How My Wife & I Retired in 10 Years (Starting With $0)

one of the biggest mistakes that couples make when they get married but when I met Kim I didn't want to be like my mom and dad dad was a school teacher mom was a nurse but skills you have to have skills and I hated it I hated selling but for four years I struggled and I had to stay there until I became number one I'll sell it I turn it to this that's the secret something that I thought was really impactful that I've not heard you explain you said that you and Kim retired in 10

years can you go over the story of how you did that and what your plan was uh one of the biggest mistakes that people or couples make when they get married I don't care if you know boy marrying boy or girl marrying girl or versing Tran it's not my none of my business but let's say you get into a committed relationship a lot of times people don't have what they call financial goals you know I'll don't get rich I safe secure job but when I met Kim I didn't want to be like my mom and

dad and they worked hard all their lives cuz they're good hardworking highly educ educated py dad was a school teacher mom was a nurse Kim's father was a printer he worked for newspaper her mom was a stay-at-home mom but they worked all their lives so when I met Kim I went let's not do that let's set a goal to retire in 10 years so when we got married we had a goal to get married in 10 years now the thing about it is this is more than just a goal it's how and as I've said

in many of my videos is that what makes you rich is not money but skills you have to have skills so when I left the the Marine Corps where I was a pilot and I flew my wings here you know to be a pilot you have to fly so to be an entrepreneur you have to sell so as I was getting out of the Marine Corps my rich dad says you number one have to learn how to sell so I left the Marine Corps I got a job at zerox and I hated it I hated

selling but for four years I struggled and I had to stay there until I became number one so every day I practice selling practice selling at night I would go and dial for dollars at a nonprofit Dialing for dollar I was always practicing selling raising money number one skill of an entrepreneur the reason so many people are poor is he can't raise money I mean obvious isn't it you know they they can get a credit card but they can't raise a million bucks so if you can't raise a million bucks you don't have the skills

the second thing was your education and so the way Kim and I were going to do it because I already practicing it as my rich dad said you have to understand real estate because real estate is a basis of wealth and it's not so much real estate it's debt so when I was getting this before I met Kim I was out of the Marine car like 26 years old I had to take real estate courses to learn how to raise money and use debt so I go to a banker and I borrow money so the

reason I so reason Kim and I could retire in 10 years was even before that I'd already listen to my Rich Dad about can I sell which I could can I raise Capital which I could and can I raise debt to buy real estate which I could so I said I just so K I just bought real estate the average person cannot go go out there and buy it they don't have they don't have the skill set so let me say it again is you know his skills and practice and experience and education that make

you rich not your college education so when Kim and I said we're going to set a goal to be rich in 10 years that's so we did so we we did it through apartment houses and uh when the markets crashed it was good because when markets crash everything goes on sale and I already had Kim and I had strong financial stat which the cash flow gam we played the cash flow game teaches you a financial statement your financial statement is your report card when you go into to see your Banker we walked in with that

financial statement and said we want to borrow $300 million the banker said yes because our financial statements said we knew what we were talking about your financial statements your report card when you leave school but the average person even college graduates have no idea what a financial statement is so they couldn't raise they can't raise money so what made Kim and Irish was our past skills and knowing that we're real estate we're not 401K we weren't going inherit money because our parents were poor and we're going to do it through real estate and debt so

I make it sound simple but it was pretty much premeditated you know from leaving the Marine Corp I could fly and by the way the last two crashes though uh Army Blackhawk hitting the airliner typical Army pilot I hate to say that but it's you Marine pilots are different than Army Pilots I don't think you guys know that and the reason in my opinion that could be wrong there was a crash over the bomic between an army black HK and all this is because Pilots for airlines are on IFR instrument flight rules so they're on

their gauges looking at their instruments army guys are not trained IFR army guys are trained VFR visual flight rules so I'm listening to the traffic and I could be wrong the army helicopter was on VFR visual flight rules the airline was on IFR and the language and everything is completely different you can hear it so the Army pilot said Roger got you know we call them we got bogy in sight means we had the aircraft the Army pilot had the wrong aircraft in sight he didn't see the one he hit because he was VFR where

the airline pilots are IFR and so those subtle differences in his skills and experience and training education that make the difference that makes a difference so when I was in flight school in Florida Pensacola the Army flight school was right around the corner from us at Fort rocker Alabama so Florida and Alabama next to each other and we always said stay away from highways and railroad tracks because Army Pilots flew along the highways and railroad tracks where Navy Marine pilots flew highr the rules are different so I not sure and it's a terrible thing so

many people lost their lives but when I was listening to the traffic you know as it replayed the whole thing Army VFR Airlines IFR boom so again it goes back to training education and experience so I don't know I'm going with all of that but that's how you what you learn is crucial and gives you a head start of life so Kim and I could retire in 10 years cuz we planned on it starting with education experience what we learned I have to learn how to use debt I have to learn how to raise Capital

so every year I'm raising Capital so when Kenny M just called you need 100K go done I don't know I'm going to get the money but I know I can raise it and have a foundation of money I have gold silver and Bitcoin and my job was to tape gold silver Bitcoin convert it to cash so I take gold and silver and Bitcoin I'll sell it I turn it to this and turns it into cash flow that's how the rich get richer that's the secret it's not your college education what is artificial intelligence is that

a college degree was there anything that you and Kim had to sacrifice when you guys set this plan to retire in 10 years why is there sacrifice what was there to sacrifice May why would you ask that question I want to know what the so I don't sacrifice anything it's not part of my vocabulary I just go get what I want so there's no sacrifice you know what I mean it's what I had to do was study take classes learn we don't get to hang out with our goofy friends who are just watching YouTube or

whatever they're watching you know it's you choose your friends Tim and I became really good friends Tom we all right my advisers your friends change I don't hang out with lazy people I don't hang out with people on welfare I mean if they want welfare it's up to you I don't want it just leave me alone I want my Independence so anybody who's going to be woke and go broke and all were victims on this is black lives matter I've experienced racial discrimination too I understand but I don't let it get to me and that's

the reason I don't like black lives matters because they they're victims well slavery's been over for a long time except you still go to school and learn to be a paid slave that's your problem not mine so it's a choice you know you oh you're a racist well if you're a black lives matter person you're just as much a racist as I am I mean you if you don't like white guys you're a racist too so that's that's I sit there and I crack up this whole thing and I don't care if you're a lesbian

Cabo Ballroom dancer you know I mean what you do in your spare time is up to you baby I prefer women not men you want to jump out with little boys knock yourself but don't expect me to feel sorry for you that's the ridiculous that is so ridiculous you know slavery has been around for thousands of years there's evidences of in North Africa they had white people as slaves the black student So when you say you're victims that's that bugs me and I can understand it you know what happened the guy that fire and all

that stuff Rodney he was a drug dealer he died or something and then everybody well they picked on him because he's black no he was a drug dealer but they they wanted to change the story change the narrator look just look at the facts know the truth just like I was saying you know this guy Marco Rubio he Secretary of State I don't know I have no proof on it but I think it cost a $100 million to become a secretary of state yet had to donate to Trump's campaign but I learned that game from

my poor dad and my Rich Dad that's the real game a little while we'll go out and I'll show you how I'll use it in real estate but it all begins with you saying to yourself I can't afford it that's self-deprecating as putting yourself down never say I can't afford it or I can't do that that makes you a poor and competent person there's nothing wrong with asking for help and things like this but don't expect a hand out you can expect a hand up not a hand out it's a big difference here and that's

what I'm saying another thing that poor people do is they listen to poor people poor financial planners financial planners have their place in the world but when they tell you something is safe like oh the 60 40 60% Equity 40% bonds because bonds are safe that is a lie you gotta be really stupid to believe that you know that's why I rather have Bitcoin than a bond but anyway other thing is that people say live below your means oh who wants to do that oh that's exciting you know I can live in a nice house

or I can live in a slum no I think I like the slum a lot better and I've been to slums not that bad I've been to the slums of Mumbai that's pretty exciting you me meet some interesting people in the slums you know so I got no problem with it but when you constantly say live below your means that means I can't my means aren't very high so what I do instead is to live below my means I want to expand my means so if you see an income statement the balance sheet you have

assets a li abilities if I want to increase my means I buy an asset so I'll go py like when Kim and I needed some extra money I found a mini storage rent stalls and I negotiated for a nothing down deal and that Mini Storage put like 25,000 a month in our pockets but again it goes back to my skills I could negotiate I understood real estate I took real estate thing so we had 25,000 a month coming in that's not a lot of money but it's about a quar million a year in US dollars

that's not bad you know but you do that every other month it's a lot of money so the reason I was talking about it again is the Trap is people work for this when you want cash flow coming and so I'm buying assets acquiring assets to expand my means so I have more cash coming in so I was laughing with my friend we can never spend the more money we have I said no we make so much money but we're going to give it all back in our funds and our found ations and all that

but it's just a game we acquire assets and poor middle class work for those crap assets throw this cash flow off and poor middle class work for and save this year that's why they're poor every year every month increase your cash flow I'm at the point right now where I can money just keeps piling up I just give me to Charities and things like that but because I never say live below my means anybody tell you that you have my problem to kick them okay thank you