Nerds Guide to FI - podcast cover

Nerds Guide to FI

Hey friend, I am Sarah. Welcome to the Nerds Guide to Financial Independence Podcast! I am a solo mama of one, running on too much taco bell and refusing to give up a weekly fancy latte. I’m here to show that financial independence can be for anyone who wants it badly enough. Investing in real estate doesn’t have to be scary, take vast DIY knowledge, or involve heaps of debt. When I am not sharing my own progress to FI, I’ll be picking the brains of like-minded debt contentious investors. I am so glad you are here, my fellow aspiring retirees. Come join the IG party: @nerdsguidetoFI

Episodes

26. Dying to Airbnb? Lean FIRE with 5 properties (2.2M!) in 2 markets: Systems, processes, and tips after 2,000+ guests with Travis from @youngretireeby33

From stumbling into house hacking to building an Airbnb empire, Travis from @theyoungretireeby33 has a LOT to share with us. Travis began his journey to FI after reluctantly reading “Rich Dad, Poor Dad” and his eyes were opened to different types of investing. At 24 he bought his first home and rented out 2 of the bedrooms-and realized he could live for free! Living in Orlando, he realized that short term rentals were where the money was at. Fast forward to today, and Travis is an expert in shor...

Dec 08, 20211 hr 22 minSeason 3Ep. 26

25. Finding deals in Maui, ignoring what the haters say about HCOL areas, and optimizing properties for $500/mo+ cashflow with Zasha @investwithZasha

This week I’m talking with Zasha, a fellow mom, woman in STEM and real estate investor (did we just become best friends?) about what its like to invest in a high cost of living area. Zasha lives and invests in Maui, Hawaii both, in rental properties and flips. She didn’t start out with any real estate or financial background, instead she was a civil engineer for ten years. Before she was married, she sold her home she shared with her mother, and netted $100k+ profit! She had no idea this was pos...

Nov 04, 20211 hr 10 minSeason 3Ep. 25

24. The legal take on buy and hold real estate from the owner of 100+ SELF MANAGED units | Bonnie Galam Esq.

We’re kicking off season 3 with Bonnie Galam of Landlord Law School™! Bonnie became interested in real estate investing during law school, and now self-manages 100+ units with her husband, along with her own firm, podcast, and website, offering templates and trainings for new investors. WHEW...its not clear when she sleeps. We talk about her journey into investing and using the BRRR (buy, rehab, rent, refinance, repeat) strategy. Though we both agree it feels like everyone and their mother is ge...

Oct 25, 20211 hr 12 minSeason 3Ep. 24

23. PAULA PANT on fearlessly out of state investing, using escalation clauses, and crushing numbers (we both hate on COC!)

This is a complete “pinch me” moment. I am thrilled I was able to connect with the one, the only, Paula Pant! In my eyes Paula is the Michael Jordan of the FI community (hence episode #23…see what I did there?) and I am beyond excited to share this conversation with you today. If you aren’t already a giant fan of Paula Pant of Afford Anything, you will be when we are finished with this episode. Paula has created a blog, a podcast, a community and now a comprehensive real estate investing course ...

Sep 22, 20211 hr 32 minSeason 2Ep. 23

22. Growing up real estate, loving inheriting tenants, and chasing her like-minded dream | Kier Vogt

I’m so lucky to keep meeting awesome like-minded investors through this community, and that’s how I met Kier. We talk about everything from her real estate journey to comparing strategies to mindset and of course our favorite tasks to outsource. Kier grew up with real estate in her blood. Both of her parents were in real estate, and they brought her along for the ride…including helping with all the fun stuff like painting and cleaning out hoarder houses. By the time she graduated high school she...

Sep 21, 20211 hr 14 minSeason 2Ep. 22

21. Using real estate & Etsy to exit the rat race to follow her passion | Brick by Brick Wealth

Instagram is an amazing resource for meeting like-minded investors in the real estate community, and that’s actually how I connected with Casey from @brickbybrickwealth. We discover we have a lot in common, including that we are both “talkers”, so we get into a LOT during this episode. Casey began her career in SoCal and realized the 9-5 job with the long commute just wasn’t for her. She soon found her niche helping real estate investors. Fast forward to a move to Memphis with 2 kiddos, her husb...

Sep 07, 202157 minSeason 2Ep. 21

20. FI though house hacking, paying off debt, and the (essentially) endless perks of the small but mighty real estate portfolio | The FI Couple, Ali & Josh

IT IS MAY 8. You know what that means? Um, sooo it is my BIRTHDAY. YAY, 32. I think this is ABOUT to be my greatest year yet (despite my strong belief that it is all rather blah on the birthday front after age 21). So, I thought there would just be no better way to celebrate than to share this AWESOME podcast with my newest BFFs around the IG #reicommunity -- Ali & Josh aka @theficouple -- if you do not know these two yet, you are about to LOVE them. Their journey to financial independence b...

May 08, 20211 hr 33 minSeason 2Ep. 20

19. Creative Financing 102: with Jenn & Joe DelleFave (Part 2)

Today I’m sharing a PART 2 of my conversation with Joe and Jenn DelleFave. If you haven’t listened to episode 18 yet, I would listen to that one first. There was just too much great content to edit this down to one episode! Jenn shares that the key to talking to people with confidence was creating a script for herself (genius) and the couple plans to create courses to help you do the same. Joe explained how Covid 19 pushed him into going “all-in” on their business. With 23 active deals (as of th...

May 01, 202159 minSeason 2Ep. 19

18. Creative Financing 101 with Jenn and Joe DelleFave (part 1!)

What comes to mind when you hear “creative financing”? In today’s episode I sit down with Joe and Jenn Della Fave to learn about their unique business model. I met Joe and Jenn through a like-minded investor group and was immediately intrigued when I heard their story. They bought their first flip together in 2008—such an ideal time to start in real estate investing right? Joe had watched his parents and grandparents invest in real estate, and had the benefit of seeing what worked, and what did ...

Apr 23, 20211 hr 7 minSeason 2Ep. 18

17. You bought your first rental property, now what? | with David the Diy_Landlord

So…you bought a rental property. Now what? David from @DIY_Landlord is back on the pod, and we are diving into the ins and outs of managing your properties. There is a TON of incredible advice shared in this episode, so I marked the highlights for you. Have a pen and paper ready and be prepared to reference this again and again. I am beyond excited to share this with you all! [3:19] Understand the laws —GOOGLE is your best friend here. -Try searching things from the tenant perspective, ie “how t...

Mar 18, 20211 hr 32 minSeason 2Ep. 17

16. Humble, house hacking roots to FI before 30 with a solid pile of cash allowing him to work on what he loves (hint, a new PODCAST!) | Felipe Mejia

Whether you have just started learning about real estate investing, or have been in the game for a while, you’ve probably heard the name Felipe Mejia. Today I got to pick his brain about everything from his beginnings in real estate, what he looks for when buying a property, his personal finances, bitcoin, and credit repair (we truly talked about ALL the things in this one). Shortly after his parents’ divorce, Felipe saw the power in real estate firsthand when his Mom converted her basement to p...

Feb 26, 20211 hr 28 minSeason 2Ep. 16

15. Appriaser to 4 million dollars in real estate with none of his own money, overcoming limiting beliefs, and mastering ARVs | Josiah Smelser The Daily Real Estate Investor

Josiah and I became friends through Instagram-- as we quickly bonded over our mutual love of the late Rick Jarmin. I first found Rick after listening to Josiah's podcast-- the Daily Real Estate Investor. Then, I too was able to kindle a love connection -- as I learned that Josiah, and one of my own podcast guests-- David @diy_landlord --- have eerily similar background stories that include mission work and living in Africa. Who knew?! In terms of his journey into real estate, Josiah was able to ...

Jan 29, 20211 hr 15 minSeason 2Ep. 15

14. From model to the queen of leverage, long distance self-managing 30 units, and killing the cashflow game | Kata Walters, The Model Investor

HAPPY 2021! I would say this is the year we all have been waiting for..... but I think it is too soon to tell. I LOVE this episode with Kata. She has the BEST accent, and I am so inspired by her mindset and work ethic. I first became familiar with Kata on Instagram -- where you should totally follow her @themodelinvestor. Then, I fell in love with her story listening to Josiah's podcast, The Daily Real Estate Investor, in her May 2020 episode entitled "Build a Six-Figure Passive Income Stream Wi...

Jan 15, 20211 hr 24 minSeason 2Ep. 14

13. House hacking to 7 units with the BRRRR strategy, private money, frontloading CAPEX, and detailed systems | Lauren & Kyle of Rentals to Wealth

I LOVE talking to Lauren & Kyle because they always keep it REAL. They are the amazing duo behind @rentalstowealth They used house hacking to get started in real estate... And used my personal favorite method to decide on a location: nearby FOOD. Sounds funny, but this method can really narrow down neighborhood/area investing classes. We chat about why it actually may be a bad thing to take a full year’s rent, upfront. We talk Dave Ramsey, how I am now a HUGE bigger pockets fan even when it ...

Dec 17, 20201 hr 27 minSeason 1Ep. 13

12. Investing 2.0: Index funds, choosing single stocks with a three prong approach, and college/career planning | Oscar from Money Tip Feed

Welcome to the NGFI Podcast, episode number 12. I am so excited to bring you alllll the investing wisdom from Oscar today. He is the man behind Money Tip Feed. He gets WAY deeper into the world of choosing single stocks than I ever have, and makes it seem simple with his three-prong approach. Oscar could seriously consider early retirement, but enjoys his job and the idea of the rule of 55. He, along with his wife and two kids, now live in a paid-for home, despite having some challenges in the r...

Dec 03, 20201 hr 2 minSeason 1Ep. 12

11. 2020 will not kill me. WFH mom by day, house hacker by night. My whole story, your questions, and how my mindset will make the dream possible | with ME, Sarah of NGFI

So, THIS episode. The one I have been avoiding. The about me one. I did a little trailer intro to kick off my podcast. However, I have been LARGELY avoiding covering my own journey because I find my personal life has been a serious dumpster fire. This is my year of rebuilding and realigning. Refocusing on building the life I have always wanted. Every system. Every autopay. Every bank account. Every process. NEW. THIS is my honest, REAL path from Dave Ramsey to Real Estate: moving shamelessly int...

Sep 19, 20201 hr 21 minSeason 1Ep. 11

10. When you stop, you lose: No-nonsense approach to private money, scoring deals in SOCAL, and why you are better off starting broke | with Mark McMahon

If you are a newer investor starting out, or in a high cost of living market, THIS episode is for you. Mark shares it all, and isn't afraid to dive through several losses over his career. Despite million-dollar losses, losing it all in 2008, investing in a high cost of living markets -- Mark and his wife have over a 3 million dollar net worth, and much more is to come. I LOVE Mark's advice on using private money as an alternative to the BRRRR strategy, aka a leverage strategy. Mark and his wife,...

Aug 21, 20201 hr 7 minSeason 1Ep. 10

9. FIRE at 31 in THE highest cost of living city, bravely sharing her IVF journey, loving expense ratios, while always negotiating (AND interviewing!) for jobs | Shang from Save My Cents

Shang (pronounced "shUng") is a badass stock investor who hit FI at age 31 in NYC. Shang bravely shares their IVF journey to have their beautiful baby boy. Shang has taught me so much, from how to negotiate to ways to keep the #igetto attitude despite all the changes life WILL throw your way. We open by talking life in COVID. She makes me greatly appreciate NOT having to deal with the rules and regulations of real estate in NYC. We deep dive into how to always negotiate when considering a new jo...

Aug 13, 202055 minSeason 1Ep. 9

8. REI to FI making 54K with 4 littles, serious long distance landlording, plenty of taco bell, and developing a strong network | David from @DIY_Landlord

I am coining a new term with this one -- REFI! Financial Independence by Real Estate! This podcast set the record for my longest EVER. Carve out sometime ( or get your steps in) because listening to David crush it on a 54K salery will amaze you. He talks through his early days of finding deals all the way from Africa. with the help of his father and business partner. David and I also share a love for Facebook marketplace deals, live-in flips, and using smart-key locks. Despite carrying the most ...

Jul 22, 20201 hr 46 minSeason 1Ep. 8

7. Avoiding common mantras of the broke by tracking your net worth, investing in index funds, and keeping your financial plan simple | Jeremy from Personal Finance Club.

This episode kicks off another one of my podcast dreams, interviewing INVESTORS. Specifically talking about how it is NOT scary or hard to save and learn to invest your own money. Jeremy and I have very similar brains, so this one was super fun for us. He talks about his early days, how he learned to invest via reading, and how he has developed a passion for helping people better understand investing though his Instagram and Blog, the Personal Finance Club . He dishes on how he too thinks the id...

Jun 20, 20201 hr 19 minSeason 1Ep. 7

6. Minimum wage laborer to builder to a multimillionaire, 5 recessions and 47 years of marriage later | Rick Jarman, Real Estate Old School

If you are in need of some REAL real estate wisdom, the best stories, and a fantastic southern accent, this episode if for you. Learn what generation is REALLY responsible for putting carpet over those beautiful hardwood floors. I love to hear Rick tell it like it is. He shares so many practical tips like how to see if there is hardwood under the carpet. He talks through all the benefits of section 8, how he loves late fees but always focuses on helping people get back on track, while still main...

Jun 06, 20201 hr 17 minSeason 1Ep. 6

5. Understanding seller financing, the awesome benefits of house hacking, and how Dave Ramsey principles can be applied in real estate | Coach Chad Carson

I am so excited to bring you this interview with Coach Chad Carson. I LOVE the stories Chad shares in the episode. He talks about creative financing, seller financing, and how he even bartered his motorcycle to serve as a downpayment on a home. We cover a TON of information, from the ideal loan term, to how to learn your neighborhood grades to aid in your investing strategy, to the types of investments Chad has beyond real estate. My favorite parts are learning about how we creates his selling f...

May 30, 20201 hr 13 minSeason 1Ep. 5

4. Enjoying the process, not letting one bad buy discourage you, and determining YOUR amount for cash reserves | Jay from Being Determined

I could listen to Jay's amazing perspective on life, and his nuggets of wisdom for DAYS. I love how he shares his journey from being young and knowing it all, to experiencing BIG losses on a property, to learning to love the journey (and all those tax advantages!). Getting your ego in check, and instead focusing on the kind of lifestyle you want to build most. He shares his thought process behind how much debt to keep, how much cash reserves to keep on hand, and the best time a person should buy...

May 22, 202056 minSeason 1Ep. 4

3. Finding just the right amount of debt, the impact of COVID-19, and the power of BRRRR | Chris, half of The Stealth Rich

Grab your pen and paper, because I talk for over an hour to Chris, one of the two awesome guys behind The Stealthy Rich . They have changed how I run my numbers (price to rent ratio as my 1% rule number) and the type of loans we use, which enabled us to buy house #4 (portfolio loans!). They both have full-time jobs with a heard of kids ( 7 combined). Besides keeping no personal debt, we all agree that the second most important ingredient to our success "secret sauce" is a work from home job. The...

May 12, 20201 hr 25 minSeason 1Ep. 3

2. Debt free real estate investors, helping tenants find affordable housing, 3 kids and 5 recessions later | Dan & Liz from Mindful Money Coaches

YAS. The first real episode. I was beyond excited to bring you guys some expert knowledge from the power couple behind @mindfulmoneycoaches, Dan & Liz! I had to have these two amazing individuals on, as they were the best mentors I could have asked for as we walked through our first few deals. We talk about risk, the first steps they took when Corona Virus hit, how to protect yourself in a downturn, and how their relationship with debt has evolved over their investing career. They have been ...

May 08, 202058 minSeason 1Ep. 2

1. The WHY behind the NGFI Podcast | The Trailer

I’m Sarah and welcome to the Nerds Guide to Financial Independence Podcast! I’m here to show you that financial independence can be for anyone who wants it badly enough and that investing in real estate doesn’t have to be scary, take vast DIY knowledge, or involve heaps of debt. When I am not sharing my own progress to FI, I’ll be picking the brains of like-minded debt contentious investors. I am so glad you are here, my fellow aspiring retirees.

Apr 17, 20205 minSeason 1Ep. 1
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