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These private finance apps, instruments, merchandise, and habits helped us attain monetary independence, they usually can do the identical for you. In case you’re on the highway to FIRE or have lastly made it to monetary freedom, ANY of those instruments will help you save, make investments, and be taught extra alongside the best way. However we’re not simply sharing the FIRE toolkit we love; we’re additionally sharing the merchandise we’re ditching, plus what we’re changing them with for a brighter monetary future!
In case you’re already feeling misplaced together with your monetary New Yr’s resolutions, fear not as a result of these private finance apps, instruments, merchandise, and habits are right here to assist! Mindy and Scott will stroll by means of each software they love, what they’ll reside with out, and what helped them attain monetary independence. We’ll speak about budgeting and cash administration apps, goal-setting processes that’ll aid you obtain even your wildest desires, the right way to be taught quicker than ever, and the “life-changing” cash merchandise we might by no means change.
In case you’re in want of beefing up your arsenal of monetary independence instruments, that is the episode to tune into! Questioning the place you could find hyperlinks to all of the services talked about in right this moment’s present? Simply scroll down within the present notes!
Mindy Jensen:
Hey, hey, hey and welcome to the BiggerPockets Cash podcast. My title is Mindy Jensen, and with me as all the time is my pretty co-host, Scott Trench.
Scott Trench:
Thanks, Mindy. Nice to be right here with the center of BiggerPockets Cash, Mindy Jensen. We’re right here to make monetary independence much less scary, much less only for anyone else. To introduce you to each cash story, toolkit, or product. As a result of we really consider that monetary freedom is attainable for everybody, regardless of when or the place you’re beginning.
Mindy Jensen:
Scott, in honor of Valentine’s Day being tomorrow, right this moment we’re going to gush about our favourite monetary instruments and habits, and also you’ll additionally hear concerning the ones that we beloved whereas we have been on our journey to monetary independence.
We needed to do that episode proper now, close to Valentine’s Day, as a result of most individuals’s New Yr’s resolutions have sort of fallen by the wayside. And one thing that we have now discovered to be very useful is to revisit your targets each month of the yr. It provides you the chance to determine what’s working, what has to vary, and which instruments and methods you can begin utilizing to get again on observe.
Scott Trench:
That’s proper. So on right this moment’s episode, you’re going to listen to all concerning the monetary instruments and habits we’ve been loving just lately, and the game-changing productiveness instruments we’ve found, in addition to a number of the monetary instruments and habits that we’re abandoning.
Effectively, let’s bounce into it. Mindy, what’s the primary cash behavior that you just’ve been falling in love with currently?
Mindy Jensen:
I’m making an attempt actually onerous to learn to train my spending muscle. And that is one thing that has been a piece in progress for a couple of yr now, and Carl and I are actually ways in which we are able to improve our life or make issues simpler. And it’s nonetheless a piece in progress, however we’re making leaps and bounds from a yr in the past.
Scott Trench:
Yeah, I do know that’s been an enormous theme right here. Hey, the mentality of being very frugal and actually watching each greenback that goes by means of folks’s accounts is a large correlate to monetary freedom and the power to amass wealth.
When you amass wealth although, what’s the purpose in persevering with to do this, proper? At sure level, after getting sufficient, each additional greenback past that must be spent to your happiness, to make the world a greater place, or go on to the subsequent era. And I do know that that’s been a problem you struggled with, and have been coached by Ramit Sethi on, and it sounds such as you’re making loads of progress there.
Mindy Jensen:
We’re. We began off simply sort of including to holidays, and there’s not a ton of stuff that we have to add to our life, though you wouldn’t know that by how a lot we spent final yr on vehicles. We purchased two autos final yr, together with Carl’s Tesla. So I can lastly get him to cease speaking about when he’s going to purchase a Tesla, and now I get to listen to all concerning the Tesla.
Oh, do you know it does this? Do you know it does that? Nope. Didn’t know. Didn’t care.
Scott Trench:
I feel 2024 would be the yr the place I would half methods with my trustee Corolla as properly. It’s getting time.
Mindy Jensen:
Are you going to purchase a Tesla?
Scott Trench:
We’ll see. I’m going to consider it, and take into consideration what I need to drive there. However yeah, I feel it’s time for me to flex that muscle as properly, and improve just a little bit.
Mindy Jensen:
Effectively, Scott, you deserve it. And extra importantly, you may afford it. You’ve got set your self as much as be in an awesome monetary place. I hesitate to say, “Oh, you deserve it, go purchase it,” after we additionally speak about regularly, don’t simply purchase one thing since you suppose you deserve it, you even have to have the ability to afford it. However you’re simply in each locations.
Scott Trench:
Perhaps in 2025, we’ll flex the spending muscle of shifting out of our home hack, which we’ve additionally been doing for a lot of the final 10 years.
Mindy Jensen:
I like it. Okay, so Scott, what’s a cash product that you’ve been loving currently?
Scott Trench:
I’ve been actually loving Monarch. So, I used mint.com for a lot of, a few years. And with Mint being sundown, I used to be a kind of those who transitioned over to Monarch, and I feel they do a fairly good job up to now. I’ve actually appreciated it, it appears intuitive and straightforward to make use of.
I sort of like the very fact, actually, that it’s a subscription. I like the truth that, hey, there’s no … It’s simply, you pay 100 bucks and also you get the product, and hopefully steady enhancements from that product, and never adverts or no matter else is occurring with it. So I’ve been liking it, and discover it to be fairly highly effective and complicated.
All proper, what else? What’s one other behavior you’ve been loving currently?
Mindy Jensen:
I’m going to enter journey. We used to optimize our journey primarily based on worth, not a lot location. So should you’re flying into Chicago, you’ve got the selection of two airports. In case you’re flying into New York Metropolis, you’ve got the selection of, I don’t know, like 9 airports or one thing, if you bear in mind all the surrounding locations.
However now after we journey, we all know we need to go into this location. We’re in search of what’s closest to the place we’re going, not a lot how a lot much less it’s to need to drive three hours in New York Metropolis site visitors at rush hour.
Scott Trench:
Yeah, sort of associated to that flexing the spending muscle it seems like, is, hey, I’m going to optimize for comfort right here, not only for value. And I feel, as all the time, actually necessary to recollect there’s totally different phases on this journey. Most likely not congruent with the grind and the buildup section on the journey to 5, however as soon as we’re previous the purpose of 5, that’s the purpose of this. Is, let’s spend a few of that cash to optimize for all times, happiness, and comfort.
And I like it, Mindy. Love that bicep getting greater and greater.
Mindy Jensen:
It’s getting greater and greater. Sometime they’ll be as large as yours, Scott. Perhaps not. Scott, how about you?
Scott Trench:
I’ve switched banks a variety of instances over time, and the final three I feel I’ve been with Ally and actually having fun with it. I feel that I really like the 24/7 assist. It’s fairly simple. Not a sponsor of right this moment’s present or any BiggerPockets supplies so far as I’m conscious, however I identical to them and I really feel like they do job.
There’s all the time dialogue within the BiggerPockets Cash Fb group about who’s acquired the very best yield on financial savings, and I feel that Ally’s is like 4.35% or one thing like that. And there are locations the place you may rise up to five.3%. So there are higher charges on the market, however I’ve simply appreciated the benefit of use and the comparatively excessive charges all through over the past couple of years, the place I’ve by no means been method totally different from what you will get should you’re actually maximizing for that yield. So actually take pleasure in them and the benefit of use. So, extremely suggest them personally.
Mindy Jensen:
And Ally Financial institution has been tied to the dialog with persistently excessive yields over the course of, even when excessive yields meant like 0.1%, they have been nonetheless paying among the many highest.
And you can’t low cost the truth that they’ve 24/7 customer support. As a result of, frankly, if you want customer support most is normally when the banks are closed.
Scott Trench:
Yeah. And if I used to be in some form of enterprise that required fixed interplay with the financial institution, they don’t have branches, so it’s not potential for that kind of objective. However for my private checking and financial savings account, it’s been phenomenal.
Mindy Jensen:
Subsequent is a break. After we’re again, we’ll go into all of the productiveness habits we’re implementing this yr.
Scott Trench:
And we’re again. Earlier than the break, we revealed all of the monetary merchandise and habits that we’ve been loving. And now we’ll be gushing about all of the productiveness merchandise which have been a sport changer.
Mindy Jensen:
Anything, Scott, that you just’re simply in love with? Sorry, I’ve acquired to make use of the phrase love on a regular basis as a result of it’s Valentine’s Day tomorrow.
Scott Trench:
Yeah, shifting into sort of productiveness instruments. And I’ve mentioned this many instances within the podcast right here, I’m actually in love with the imaginative and prescient and goal-setting course of that my spouse and I’ve used at some stage in our marriage, and I’ve used for a very long time earlier to that. However it’s a quite simple course of, it doesn’t require any cash to be spent. There is no such thing as a product related to it, though truly there’s a product, I’ll point out it later.
However principally it’s a doc, a bit of paper. And we are saying, we begin off the dialog and say, “What are some issues we’re grateful for because the final time we up to date our imaginative and prescient?”
Like, oh, we’re grateful for the brand new set of phrases from our little child, the humorous factor our cat did, this piece of progress in our careers, this factor about our home that we like, this current journey that we went on. And it simply grounds the dialog in happiness of what you’ve got.
Then it’s sort of like, hey, in 5 years from now, what do we wish our lives to seem like? We need to get up and do that, we need to be vacationing right here, we wish our day-to-day to be like this, we wish our careers to seem like this, and that units the context. As a result of we’re always iterating on it each quarter, there’s all the time little modifications which can be being made, but it surely retains an alignment on precisely the place you’re going. After which you may set targets on a quarterly or annual foundation from there, which we do.
After which we have now a Sunday little ritual, the place we translate these quarterly targets into weekly issues that we’re going to do to maneuver ahead. For my spouse, it’s usually writing the subsequent few thousand phrases for a guide that she’s engaged on. And for me it’s usually a mix of BiggerPockets issues. We additionally, in fact, prioritize our household life and ensuring that we’re proactive about curating nice experiences.
So that’s tremendous highly effective. I don’t learn about you guys listening, however the week can get away from me and typically does, however I’m by no means off observe for greater than per week. As a result of I all the time reground it on Sunday evening, and get realigned with most necessary issues.
And in addition, there’s so many issues associated to your targets that need to do with simply sending an electronic mail. Simply, I acquired to achieve out to this particular person and kick off this course of. And this ritual, I can’t overemphasize the significance of getting this ritual and simply being like, oh, it’s Sunday evening. I’m going to schedule these three emails for tomorrow morning and kick off these processes, and I’m good to go.
So, in love with that course of. Really feel prefer it’s so, so highly effective. Extremely encourage it for folk. So Mindy, how about you? What have you ever been loving currently from a productiveness standpoint?
Mindy Jensen:
Okay, this one it’s important to bear with me, as a result of it doesn’t sound like a productiveness tip to start with. However I don’t fly on a flight earlier than 10:00 AM, and I don’t land after 7:00 PM.
And the reason being, I can’t sleep the evening earlier than a flight if I’ve to set an alarm. I’m up properly prematurely of any flight that has to take off at 10:00 AM. But when I’ve to set an alarm, I don’t sleep your complete evening, which wrecks my complete day of journey, which sort of wrecks my complete trip.
On the identical token, if I land late, I get house tremendous late, which wrecks my complete evening of sleep then, too. So I’ve acquired a number of days that I’m making an attempt to make amends for my sleep, which can actually destroy your productiveness. The rationale it is a cash hack and a productiveness hack is that the most cost effective flights are tremendous early or tremendous late.
So I’ve determined, once more at the side of the exercising my spending muscle, I’m not flying out early, and I’m not touchdown late, simply to avoid wasting a few bucks. As a result of it wrecks my week.
Scott Trench:
I utterly agree. The lack of a day or two, or the power to make nice choices for a day or two from purple eyes, can usually not be price it. And I solely fly red-eyes when there’s actually no different cheap possibility, or if I’ve a complete weekend to get well with it. However then my weekend’s shot, so I actually don’t like to do this both.
However yeah, utterly agree.
Mindy Jensen:
Scott, any productiveness instruments that you’re utilizing?
Scott Trench:
Yeah. I might say, except for my goal-setting stuff, I’m actually large into audio content material consumption. So I clearly use Spotify and Apple Podcasts to take heed to loads of podcasts. I exploit Audible. And I’ve just lately, embarrassingly as a result of I’ve run a cash podcast with you right here, rediscovered the general public library.
The general public library right here in Jefferson County, Colorado at the least, has principally Audible totally free by means of a wide range of apps. You get a library card, you go in there, it’s tremendous simple. And you’ll borrow virtually any e book or virtually any audiobook totally free from the library. So I’ve been utilizing that quite a bit currently.
One particular hack I’ve, not hack however tip I’ve is, I’ll often, if there’s an audiobook that or a topic that I really feel like I actually need to grasp shortly, or at the least get a grounding in shortly, I’ll get a Audible guide and the Kindle model. And the explanation I’ll do that, and it is perhaps 40 bucks between these two issues and it seems like quite a bit, however I can take heed to the guide at two, or two-and-a-half, or typically even three-times pace relying on the narrator and comply with together with the Kindle.
And that permits me to, very quickly in a matter of hours, take in a complete guide and retain it fairly properly on a brand new topic. In order that’s just a little tip that I’ll use typically. It’s not tremendous cost-efficient, but when you actually need to grasp a brand new topic shortly, that may be highly effective. And also you’re in a position to give your a hundred-percent consideration to the duty.
Mindy Jensen:
Scott, do you’ve got a random, life-changing product that you just love?
Scott Trench:
There’s a self-help guru named Darren Hardy who has written just a little journal referred to as Dwelling Your Finest Yr Ever. And it’s acquired loads of this sort of self-help stuff, such as you signal a pledge to your self that you just’re going to maintain your targets for the subsequent yr, and also you do all that. I’ve been doing this factor for 10 years in a row now, and I attribute loads of my group across the aim setting-stuff to this product.
It’s like a $40 journal and it has a weekly planner. Simply, forces of perform round, what are the highest three targets, what are you going to do associated to these targets? How are you going to deal with the whirlwind, he calls it the vortex, of issues which can be going to come back up within the week? Like, it’s tax season, acquired to get the taxes executed. It’s not one in every of my prime targets, however acquired to get it executed, after which listed below are the habits that we need to kind on this week.
Tremendous easy construction. And I should have stuffed out this factor 90% of the weeks over the past 10 years straight. Not each week, however the overwhelming majority of them. And I really feel like that’s such a strong factor there. You may get that guide, Dwelling Your Finest Yr Ever. Once more, not a monetary affiliate of BiggerPockets.
I truly electronic mail Darren Hardy annually and inform him how a lot the guide helps. One among these years, he’ll reply to me. In case you’re listening, let me know. However that’s product. There are free journals which you could obtain. There’s stuff you will get on the grocery store that has related merchandise, or on Amazon. However go get a kind of issues, and simply begin the method at the least weekly monitoring that. It’s so highly effective, and it’s not an enormous value.
Mindy Jensen:
That’s superior, Scott. And 90% of each week over the past 10 years, that’s very spectacular.
Scott Trench:
I feel that’s in all probability proper. It’s in all probability in that ballpark. There’s undoubtedly been a couple-month stretches right here and there the place I’ve skipped it or gotten away from it, however I all the time come again to it as a result of it’s so highly effective. Mindy, what’s your random life-changing product you like?
Mindy Jensen:
I really like Google Hold. It’s a note-taking app that’s on my cellphone, but it surely additionally saves to the cloud. After which once I get to my laptop, I can see it on my laptop as properly. So each be aware that I take as I’m strolling across the observe on the fitness center, or as I’m sitting at a stoplight, ooh, I’ve to recollect to do that. I then have it on my laptop as properly.
I don’t have nice eyesight, so it’s tough for me to see issues on my cellphone, which makes it onerous for me to do issues on my cellphone. However I can discuss to textual content after which I can see it on my laptop display, and it’s completely unbelievable methods to remind myself of all types of issues. Spending concepts, journeys, actually any random thought I’ve that I need to bear in mind. And it’s free, which is my favourite value of all.
Scott Trench:
Like it. Yeah, I must do higher a job at that. I nonetheless take all of my notes in pen and paper, and there are large issues related to that. Or at the least all of my goal-setting notes in pen and paper. I want I might adapt the mindset of translating that aim setting stuff that I did into one thing like this. I simply, It’s a problem for me to transpose it with the behavior fashioned over all this time.
Mindy Jensen:
Effectively, If you understand the place your issues are, then with the ability to write them down is nice. However typically you reside in a home the place there are different folks, they usually transfer your issues, after which they’ll by no means discover them. And typically it’s simply simpler to know the place your cellphone is. Not that I’m talking from private expertise, everyone within the Jensen household.
Stick with us. After the break, we’ll reveal the only most necessary monetary software that helped us get to monetary independence.
Okay Scott, now’s time to speak concerning the sort of unhappy facet of Valentine’s Day. Generally it’s important to break up. Is there any productiveness software, cash product, or behavior that you just’re breaking apart with?
Scott Trench:
Effectively, I broke up with Mint.
Mindy Jensen:
They broke up with you.
Scott Trench:
Yeah, they broke up with me. That’s proper, it wasn’t me.
Mindy Jensen:
And everyone. It’s not you, it’s them.
Scott Trench:
Yeah, yeah, no matter it was. Yeah. So yeah, Mint’s out, Monarch’s in, as I discussed earlier.
One other one I’m going to vary over is Robinhood. I’ve discovered Robinhood simple to make use of and all these sorts of issues. Nothing in opposition to Robinhood, I simply really feel like Schwab is just a little bit extra highly effective. And once more, I all the time wish to say this, no monetary affiliation or something like that with Robinhood or Schwab right here.
However I simply suppose that the analysis analytics and the tenure of Schwab makes me really feel just a bit bit safer and assured as I start the subsequent couple of years of investing. So I’m not liquidating my Robinhood account, I’m simply not contributing extra to it. I’m going to place that each one in Schwab going ahead. How about you?
Mindy Jensen:
Effectively, Scott, like Ross and Rachel, I’m on a break with my custom-made spending tracker. Did you get that joke? Do you even know who Ross and Rachel are?
Scott Trench:
Sure, I do know Associates, Mindy. Positive.
Mindy Jensen:
My custom-made spending tracker helped me to start with, 10 years in the past, 12 years in the past, acknowledge the place my spending holes have been. Or my spending black holes have been. And now I don’t want it anymore. So I’m taking a little bit of a break, whereas nonetheless holding an general eye to verify I don’t go from $60,000 a yr spend to $600,000 a yr. However everyone knows that’s not going to really occur.
However I’m not going to have the ability to proceed to train my spending muscle if I’m always obsessing over how a lot cash I’ve spent each month. And now that I’m within the monetary place that I would not have to always obsess over how a lot I’m spending, I’m taking a break.
Scott Trench:
One other breakup I’m going to have this yr, Mindy, is multifamily syndications and funds. I’m about to put in writing, could also be launched by the point this episode comes out, a 5,000 phrase thesis on why I feel multifamily goes to crash much more in 2024.
And whereas, sure, that’s market timing, which you shouldn’t do and I shouldn’t do, I simply can’t assist myself. And I need to keep out of that. I’m getting my butt kicked on a syndication. Not the fault of the syndicator in my opinion, I knew the dangers simply entering into. I don’t suppose they operated poorly, I simply suppose it’s an rate of interest concern. However I feel that there’s going to be much more of that on the horizon in 2024 with all the availability coming on-line.
So studying my lesson from getting my butt kicked, watch and see how this subsequent yr goes. However I do suppose there’ll be alternative on the horizon in 2025 and 2026 as that strain continues to mount.
Mindy Jensen:
And I encourage everyone who’s invested in syndications to take heed to episode 456 with Jay Scott, the place we talked about a number of the issues that may go unsuitable in a syndication, and a number of the flags to search for, the main indicators that might sign a possible downside together with your syndication.
I additionally had some syndications that didn’t carry out in addition to they need to have. And I do suppose that it’s quite a bit to do with the meteoric rise of rates of interest. I don’t know that there has ever been an rate of interest hike so quick and so excessive. Has there, within the historical past of American finance?
Scott Trench:
As a share? Most likely no. If something comes shut, it’s in all probability that large rise within the seventies and eighties the place rates of interest actually went up. Perhaps they went up extra in a condensed time frame there, however not as a share. However going from zero to 1 is a large change, proper?
Mindy Jensen:
Sure.
Scott Trench:
So going from zero to 4, zero to five-and-a-half, five-and-a-quarter, is absolutely what the federal funds price has gone to basically within the final two years. And that’s an enormous change. And one merchandise on there, we’re beginning to stray just a little bit off-topic on that’s, the yield curve is inverted. So the tenure is at 4, and it’s normally 150 foundation factors above the federal funds price.
Proper now the federal funds price’s at 5.3. So for the tenure to not not rise, the federal fund price has to go to about 2.6%. That’s 9 or 10 price cuts from the Fed, which might be historic.
Mindy Jensen:
Yeah.
Scott Trench:
And I don’t suppose that’s going to occur, so I feel rates of interest are going to remain excessive the subsequent couple of years. And I is perhaps alone in that one, the market appears to disagree. However it’s actually onerous for me to ascertain a actuality the place the Fed reduces charges 9 or 10 instances in a rush over the subsequent couple of years. That’s principally admitting that they have been full idiots over the past couple of years. And whereas lots of people suppose they’re, I don’t.
Mindy Jensen:
Okay. Scott, let’s get just a little off-topic, off monetary matters. Are there any non-financial merchandise that you’ll now not be spending cash on?
Scott Trench:
Yeah. I’m an enormous Eagles fan, and their catastrophic collapse within the back-half of the yr meant that I now not wanted my YouTube TV and NFL Sunday ticket subscription, which I’ve splurged on the final two years. So yeah, I’m canceling that, and I’ve no entry to streaming tv proper now aside from Netflix and Max. So yeah, no matter’s on common TV I can’t watch proper now.
Mindy Jensen:
Effectively Scott, I’m going to say that if you wish to proceed that streak, you may simply change into a Bears fan, and then you definitely’ll all the time be upset within the second half of the season.
Didn’t your Eagles go seven and O?
Scott Trench:
The Eagles had an outstanding begin to the season, and have been at one level ranked primary within the energy rankings. After which simply completely collapsed, back-half of the yr.
Mindy Jensen:
Completely collapsed. Effectively, I’m sorry for his or her losses, Scott. And in addition, welcome to the membership.
Scott Trench:
Effectively, except for breaking apart with the Bears, are there another non-financial merchandise that you just’re not going to spend any cash on?
Mindy Jensen:
In the identical vein as you Scott, I simply canceled a bunch of streaming providers that I had signed up for to observe particular exhibits. After which once I was executed with the present, I didn’t cancel the service. So I’m wanting proper at you, Paramount, for Inkmaster. And Peacock for one season of Fits. Why couldn’t that final season be on Netflix?
So anyway, I’ve canceled these. And I hope that it is a reminder to anyone listening that if they’ve unwatched streaming programs as a result of they have been simply going to observe that one present, cancel it. Simply put this episode on pause, and go as much as your TV or your laptop, and cancel that subscription proper now.
Scott Trench:
Mindy, what was a software that was indispensable to you in your journey to monetary independence
Mindy Jensen:
For people who find themselves beginning their journey, I feel it’s so necessary to trace your spending and observe your web price, every thing in your monetary software belt. And the product that we used after we have been beginning out is named, it’s now referred to as Empower Private Wealth, however again then it was referred to as Private Capital.
And it was, you load up your entire accounts into this method, and you’ll then observe all the totally different sources of revenue, all of the totally different sources of investments that you’ve. In case you simply have one, like a standard particular person, it is perhaps simple so that you can simply verify Constancy day-after-day. However should you’re loopy like we’re, and have them everywhere, having an organization like Private Capital or Empower Private Wealth will aid you hold observe of them once they’re in a number of places.
Scott Trench:
And simply to echo that, what these merchandise do, Mint, Private Capital, Monarch, there are different platforms as properly, is that if they’re good at it, they’ll do two issues for you.
One is create what we name right here at BiggerPockets a participant’s scorecard, proper? You may check out it and in 5 seconds inform should you’re profitable, or dropping, or making progress. And the opposite is what we name a coach’s scorecard, which has tons of further information; your total price range, each expense, and all these different issues so that you can mine and observe and have a look at all these totally different traits.
And I feel that these merchandise are inclined to do job in each of these areas, of supplying you with that snapshot so you may simply verify and see should you’re profitable. But in addition the power to enter that extra granular element to research traits and the place your large bills are, and instantly discover downside areas or alternatives.
Mindy Jensen:
Scott, this was tremendous, tremendous enjoyable. I actually loved listening to about your monetary instruments, and I do want to start out journaling. I’m going to get a replica of that Darren Hardy guide. Superior. Do you’ve got any plans for Valentine’s Day?
Scott Trench:
Valentine’s Day, truly the fifteenth, we shall be touring to Cancun for just a little trip with some household. So, yeah. I haven’t been anyplace sunny in a very long time, and I’m very a lot wanting ahead to that.
Mindy Jensen:
Effectively, that’s superior. Scott, I hope you’ve got a good time.
Scott Trench:
Oh, and we’re truly having a number retreat, and most of the podcast hosts from Rookie, from Actual Property, Dave Meyer from On The Market, a few the On The Market hosts, we’ll, truly I’ll be on the town and we’ll go snowboarding on Valentine’s Day. So snowboarding after which straight to trip. Work and play. Or is all of it play? I don’t know. Yeah, it’ll be week.
Mindy Jensen:
Effectively, that sounds superior. I’m going to go snowboarding with you guys.
Scott Trench:
All proper. Yeah.
Mindy Jensen:
All proper, Scott. Effectively, let’s go hit the slopes. That wraps up this episode of the BiggerPockets Cash Podcast. He, in fact, is the Scott Trench. And I’m Mindy Jensen saying goodbye, Cherry Pie.
Scott Trench:
In case you loved right this moment’s episode, please give us a five-star assessment on Spotify or Apple. And should you’re in search of much more cash content material, be at liberty to go to our YouTube channel at youtube.com/biggerpocketsmoney.
Mindy Jensen:
BiggerPockets Cash was created by Mindy Jensen and Scott Trench, produced by Kaylin Bennett, enhancing by Exodus Media, Copywriting by Nate Weintraub. Lastly, an enormous thanks to the BiggerPockets crew for making this present potential.
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