March 20, 2025
15. How to Generate an Infinite ROI
🎙️ How to Generate Infinite ROI in Your Business & Life 💡
What if you could make your money work for you without limits? In this episode, Tiffany breaks down how to generate infinite returns on investment (ROI)—not just financially, but in your time, energy, and business decisions.
From real estate investing to outsourcing laundry, she shares real-life strategies to help you maximize returns with minimal effort—so you can focus on what really matters.
💡 What You'll Learn in This Episode:
✅ What ROI really means and how to calculate it 📊
✅ The hidden ROI opportunities in your business & life 🔍
✅ Why outsourcing small tasks can create massive time returns
✅ The power of investing in yourself (coaching, masterminds & learning)
✅ How partnerships & creative financing can unlock infinite ROI
✅ Why knowing your "happiness ROI" is just as important as financial ROI 💰➡️😊
💡 PLUS: The exact strategies Tiffany & Eric used to grow their real estate portfolio using infinite returns!
This episode is a must-listen if you're ready to optimize your time, investments, and business for the highest possible return—without working harder.
✨ Listen now and start making smarter money moves today!
📌 Resources Mentioned:
🔹 Investopedia: The ROI Formula Explained
🔹 The BRRRR Strategy – Build Wealth with Infinite Returns
🔹 Kate Northrup’s Do Less – Productivity & ROI on Time
🔹 The Fair Play Method – How to Outsource & Reduce Mental Load
🎧 Next time you're on the go, just ask Siri to play the Energetic CFO Podcast!
💬 Love this episode? Tell Siri to leave a review on Apple Podcasts! ⭐⭐⭐⭐⭐
Transcript
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Welcome to the Energetic CFO Podcast, where we empower you to take control of your financial future.
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I'm your host, Tiffany, an advocate for financial literacy and business success.
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In this podcast, we'll explore a wide range of financial topics from money mindset and budgeting to building wealth and achieving financial freedom.
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We'll break down complex financial concepts into simple, actionable steps so you can apply them in your own life.
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Whether you're a new entrepreneur or a seasoned business owner, this podcast is for you.
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Join me as we dive into the world of finance and discover the tools and strategies to help you achieve your financial goals.
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Let's get started.
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Welcome back to the Energetic CFO Podcast.
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I'm your host, Tiffany Vogel.
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And I am so excited today to talk to you about how to generate an infinite return on investment in your business.
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This is something I have played around with personally and trying to figure out like how to optimize our investments and our cash and all the things.
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So I'm excited to dig into this today and to share a few nuggets with you on how you can do the same stuff.
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So.
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It is finally, like, a normal week for us.
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Like, no major catastrophes, no hospitalizations.
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So far, no sick kids.
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Like, feeling really good.
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And Just like reflecting on life in general right now, it's, it is insane.
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The things that we've been able to accomplish and build over the last eight or so years.
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And that's when Eric and I, that's when I realized Eric sucks as a landlord, and he needed some help.
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And if you don't know that story, shoot me an email, I'll send you the podcast from On Purpose Investor.
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But that's how we started.
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He was just so bad at it.
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And I'm so efficient.
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I'm always looking for how to increase the efficiency and whether that's in our time or energy or money.
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And we've generated so many infinite ROI opportunities and it's one of my superpowers.
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And I want to share that with you today.
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So.
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Let's start.
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What is ROI?
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So, it's return on investment.
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It's used to evaluate how the investment's performed.
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And I'm looking at Investopedia.
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It's like the bible of finance knowledge.
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So it's a percentage, and it's calculated by dividing the net profit or loss by the initial cash invested, or cost.
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In real estate, we like to look at cash on cash return.
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That's an ROI.
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That's what's the return on that cash you put into the deal and how much is it going to make you each month, or actually each year is how it's calculated.
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We also, as we've had a portfolio for, you know, several years now, Eric and I have shifted from focusing on cash to the return on equity.
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So we'll look at how much is the property generating per year.
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Compared to the equity in the property.
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And the idea there is if we have a really low return on equity property, let's sell it and go take that cash and deploy it into something that can get a higher cash on cash or higher return and make those dollars work harder for us.
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So it's really important to consider all the factors when looking at ROI.
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It's one metric.
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This should not be.
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your only tool in your toolbox.
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It's not the big damn hammer as Bill Cook likes to say.
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It's something that you look at holistically.
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So if we're looking at our real estate portfolio, we look at the return on equity.
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So we look at that ROI and see, is this producing the income or the return that we'd like, but we also take into consideration, Is it highly levered?
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Like, some of the properties aren't looking so hot right now, but we took out a second on it to fund some other deals.
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So, we're not just using that metric as the end all be all.
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We also take into consideration depreciation, appreciation, and all these other factors that come into play.
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And generally, ROI is not looking at the long term picture.
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So you have to use your brain and think through it, and see what makes sense.
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When we do these analyses, we've looked at it, and we did it last year.
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We saw that a couple properties weren't getting a great return, and We saw that they had deferred maintenance.
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One of them had about 15, 000 worth of trees that needed to come out.
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So, if we had factored that in, that would have eaten all the cash flow for that year.
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So, we decided to sell it and did our exchange into our mountain property, and I don't know that I've calculated the cash on cash.
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for it.
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I think part of it's with it being Airbnb, it's hard to really calculate exactly what that cash, you know, value would be to us each year.
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So I will calculate that at the end of the year once we have a full year of data and we'll see how we stacked up on that return on equity and the cash on cash.
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But you want to make sure that you're calculating the same.
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It allows you to compare investments and the ROI is just kind of the.
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Baseline metric for evaluating a deal.
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But I think one thing that's commonly missed is there's more to ROI than just the hard finances.
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So it's not just I invest my money.
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I, Eric and I did a lot of BRRRS.
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So if you're not familiar with that, it's buy, renovate, Rent, refinance, repeat.
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Always have to think through it.
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So you're basically flipping a house and instead of selling it to a new person at the end of the time you're flipping it, you refinance it and keep it, and ideally pull out as much cash as you can.
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It was a really good strategy in the late 2018, 2019, 2020 era.
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And some of those properties, we were able to generate a solid infinite return on investment.
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So our second deal, we were able, we put 25, 000 of cash in it while we were renovating it.
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And when it was all said and done, we refinanced and we were able to pull all of that cash out plus another 25, 000 And we still had 50, 000 in equity on it.
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So, we had 25, 000 in our pocket at the end of that deal.
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And it's a three home property.
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So, it generates a healthy income for us.
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I'm pulling up my spreadsheet now.
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It generates about 1, 400 a month for us.
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So, it's been an infinite return from day one.
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We have other properties that we might've had 2, 000 invested, but we made that 2, 000 back after the first year.
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So it was a high enough return that it doesn't matter.
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Like there's no, you don't get a gold star for getting an infinite ROI.
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But the idea is how can you buy properties and have very little cash invested and generate those returns.
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And you can do that through having a second position note.
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We've had houses not refi at the level we needed it to.
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So we got a second position loan and are happy to write that check every month because we still have a great return on that property because we don't have a ton of cash invested in it.
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So that was the strategy that worked for us.
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We didn't have a lot of cash to invest.
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We had a lot of time and we had experience.
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So, we used those two things that we had to build our portfolio.
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If you have cash to invest, it's fine to get a 12 14 percent return, it just, that was not going to be what we needed to reach our goals.
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So we invested a lot of our time, so I bet if you factored in our time, and if we were paying ourselves, let's say 20 an hour, it probably would not have looked as good on paper.
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So it's just, that's where I want to say having a holistic view of ROI is really important.
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And not just looking for the great stamp on your balance sheet and P& L to show that you have a great return.
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There's other ways to generate an infinite return that you might not be thinking about.
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So we have hidden investments.
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If you invest in a company and they pay you back.
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A hundredfold.
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That's a great return.
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It's infinite.
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So there are ways to generate mathematically, financially an infinite return, but there's other ways to do it that you might not be thinking.
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And I want to just shift your mind a little bit on this.
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I've been working with a coach for about six months and I've not completely made back my investment.
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of working with her yet, but the knowledge that I have and the changes in me from working with her are huge and I know the financial returns will come.
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So that's a way that I've created an infinite ROI.
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Hasn't happened yet.
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It's coming though.
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So let's say just for math's sake, I invested 20, 000 in this coaching, invested a lot more than that, but we put 20, 000 in If I'm able to generate 20, 000, then I break even.
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If I'm able to generate 30, 000 using her advice, that's an infinite return on that 20, 000 investment.
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And I can tell you the highest return you're going to get is on yourself.
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And I am so big right now on not investing in programs, but investing in you.
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And Eric and I have bought a lot of courses over the years to help us Build up our business.
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And we've realized it's not a framework that's going to help us.
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It's the knowledge and the advice that we get from that person.
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And it's the mindset shifts that they cause in us.
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And the most efficient way I have found to get mindset shifts is to just skip the course and go straight to the one on one.
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That's what's worked for me.
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So in working with her for the last six months, I see that return coming to fruition.
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I also invest in masterminds and I've seen by being in the mastermind that I'm in, I've been able to generate revenue by referrals or people in the group.
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And that is becoming close to an infinite ROI.
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And the thing is the mastermind I'm in right now, we're wrapping up in a couple weeks.
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It's been a year.
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So I don't have the dollars to 100 percent have an infinite return yet.
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But the relationships I have made, I can guarantee you, over the next five years, it will be an infinite return.
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So that's where I say investing in yourself is the most important thing.
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If you have the opportunity to go to a seminar, especially in the real estate circles, the seminars are 600.
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And then you pay for the hotel, so you're talking 1, 000.
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Yes, that is a lot of money, but in the grand picture, if that 1, 000 investment can generate more than 1, 000 in savings in your business or knowledge, I know we took a course and had I had taken it sooner, it would have saved me more than the 1, 000.
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And I think it was Zoom, so it was only the 600 or whatever it was.
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The only regret I had was not taking it sooner.
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When we were building our real estate portfolio, Eric and I were so proud of ourselves that we did it without going to any seminars and how silly, because if we had invested in the seminars, we probably would have avoided a lot of dumb mistakes and generated more income and just had connections and friends to help encourage us as we were growing the business.
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So I just want to keep in mind, yes, you can generate that infinite ROI in Your transactions and your deals, but also sometimes investing in yourself and your education and your knowledge and having support and someone to be a third party perspective on your life and business can generate even higher returns.
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I had a couple of clients I was working with that were not clear on.
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how many transactions to do a month.
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And by working together, we were able to give them the clarity to know exactly how many flips and how many rentals they needed to reach their goals.
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And then we were able to back it from there into a plan for them.
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And they knew exactly what they needed to do each week in order to reach the goal of the income number that they wanted to generate.
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So.
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They were paying my services like they were paying for that, but by doing that, the clarity that they got allowed them to generate 10x return on what they were spending for my help.
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And I just I think it's so beautiful.
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And that's honestly, that's why I'm in this business.
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And what I love doing is being able to help someone translate.
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numbers on a spreadsheet into action so they can generate infinite returns on investing in themselves and on their deals.
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And it's just such a, it's so fun.
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I just love it.
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I see how we have done it so many times in our business and want to help people look at it in their life too.
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I invest each week in someone to do my laundry.
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We still do a ton of laundry at home, but about half of it gets sent off.
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And that is an infinite ROI to me.
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Because I think I spend 40 a week for them to fold a couple loads of laundry.
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But by the time I take the mental load of Seeing the clothes, getting them in the wash, moving them from the wash to the dryer, starting the next load, moving them out of the dryer, moving the clothes from the wash into the dryer, folding both loads of clothes, and then putting them all away.
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That is a lot of effort.
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Versus, well, a lot of effort and a lot of time.
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Because it's probably two, three hours of Having to think, oh, the clothes are probably done, or setting a timer to remember.
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And having to stop what I'm doing, and go do that, go move them over and then do the next thing.
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I know it sounds so silly, but that 40, if I could have 20 an hour for me.
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It is worth paying that, because my hourly rate is more than 20 an hour.
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So to me, that investment is an infinite ROI.
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Same with my house cleaner.
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Same with our boys being in school.
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We've realized the school our boys are in, they are just thriving.
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And it's an expensive private school, but it's worth it because the energy that we're expending to parent them has significantly decreased because they have reinforcements from other adults who aren't mom and dad that we can reference.
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Hey, what do you do at school?
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And we're using the tools that these trained professionals who work with kids all day long are using.
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And it's helping us to be better parents, be less stressed out.
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It gives us the time to work.
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And again, that, you know, hourly rate works out in our favor.
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So I just want to shift your mindset of an infinite ROI is not necessarily just involved in an investment or a strategy.
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It's the investments in yourself and your time and your family.
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And it's just, it's a great reframe to show that sometimes, yeah, overhead is not ideal.
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I would love to cut a lot of our overhead, whether in the house or in the business, but by investing in these things, it has allowed me to generate more income.
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So I will continue making those investments all day long.
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So if you're looking to generate an infinite ROI, What existing resources can you use?
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What, think about your network, your tools, anything you have that you can use to grow without adding a ton of extra cost, or is it time to make that investment and hire the coach, hire the strategist to help you assess your numbers?
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I can tell you the times I have sat down and looked at somebody's real estate portfolio, and help them assess what is happening.
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The money that they pay me for an hour to sit down and look at it comes back in, I don't even know the multiple, a thousand times return.
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So, taking the time to gain that knowledge or just have someone review your stuff is so, so worth it.
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I think about like our taxes.
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Our CPA has been so good and they've pointed out strategies we can do that will save us hundreds of thousands of dollars over our lifetime.
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So, yeah, I don't love writing the couple thousand dollar check that I need to each year for them to do our taxes and everything.
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But also, I'm so happy to write it because I know that's going to save me a million times return, whatever the number is, over the course of my lifetime because of decisions we're making now and then being able to invest that money over the long run versus paying it to Uncle Sam is just a, it's an insane return.
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Can you potentially partner with someone and generate a better return?
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We recently partnered with the Boids and On Purpose Investor and the return that we're seeing there and just the revived energy and the additional support and all of that.
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It's so worth it.
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Even though now we're splitting the profit, We're getting more in return from it.
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So what are the things you can do in your life and partnerships or friendships that you can build that will generate a higher return?
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And sometimes the return is not financial.
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Sometimes it's just in happiness, because at the end of the day, like, what are we doing?
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Are we generating money just for the sake of generating money?
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Are we generating money for some kind of happiness?
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Personally, that's my focus right now is being focused on gratitude for the things that I have and what I will generate in the future and just being happy with using my money to create more happiness for me and my kids and my family.
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So if you're looking to generate money for the sake of generating money and a number in a bank account, I want to challenge that.
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And the best way I've heard this framed is if you had a million dollars in your bank account tomorrow, but you couldn't touch it, does that change anything?
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And it's such a good point because a million dollars in your bank account, it's just ones and zeros on a computer screen.
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It's not the million dollars that makes you happy.
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It's what you can do with it.
00:18:04.095 --> 00:18:08.305
Deploying money into things that will make you happier is really the end goal at the end of the day.
00:18:08.755 --> 00:18:19.684
The investment I've made in coaching this year has been worth it because I am way happier and peaceful and calm than I've ever been in my life.
00:18:20.134 --> 00:18:26.515
Another strategy you can use to look at increasing your ROI is what can you optimize in your business?
00:18:26.964 --> 00:18:29.884
We've talked about potentially trading some properties.
00:18:29.914 --> 00:18:31.994
We've been in pad split for a long time.
00:18:31.994 --> 00:18:34.394
Could you potentially convert the use of a property?
00:18:34.845 --> 00:18:41.224
We have a property that we could add potentially a mobile home to the back part of the land, and that would generate more income.
00:18:41.525 --> 00:18:46.085
We're looking at that as a separate investment if we invest say 50, 000 to develop this.
00:18:46.535 --> 00:18:49.325
and put a mobile home out here, what is that return?
00:18:49.775 --> 00:18:57.974
I don't think the numbers pencil out for this particular one, but we could potentially sell the land to somebody else and let them make that investment.
00:18:58.005 --> 00:19:01.164
And it would not impact us at all at the end of the day.
00:19:01.615 --> 00:19:04.724
And just boosts our return on the property that we have.
00:19:05.174 --> 00:19:10.755
Looking at what you currently have and saying, can you optimize it is another great way to boost that ROI.
00:19:11.204 --> 00:19:21.144
I know we've been talking a lot about numbers and finance and all the things, but at the end of the day, the return on the investment is not just the numbers in a spreadsheet or the dollars in the bank account.
00:19:21.595 --> 00:19:23.585
It's about the life you're living.
00:19:23.934 --> 00:19:30.275
And we look at our properties and say, Can we potentially Make some changes.
00:19:30.305 --> 00:19:39.105
We realized the return on one of our pad splits where we rent by the room is not as high as we'd like it to be given the extra energy.
00:19:39.555 --> 00:19:44.855
So we're not just looking at the return financially, we're looking at the amount of time we spend on it.
00:19:45.305 --> 00:19:51.134
So that's where I go back to just having a holistic view when you're looking at ROI is so, so important.
00:19:51.585 --> 00:19:53.105
And I just want to challenge you.
00:19:53.115 --> 00:19:57.035
What are a couple of things you can do to increase the ROI in your business?
00:19:57.484 --> 00:20:02.285
Is it investing in a coach or program or outsourcing something?
00:20:02.285 --> 00:20:04.795
So you have more time for your family.
00:20:04.865 --> 00:20:09.644
The thing is, like, sometimes the laundry might not translate to an extra hour of work.
00:20:10.075 --> 00:20:13.785
It might translate to an hour of fun time with my kids.
00:20:14.234 --> 00:20:19.914
And that's a for sure an infinite ROI because they're getting big and they're not going to be little forever.
00:20:20.365 --> 00:20:35.365
So I'm totally good making that investment, but I think it's all about the strategy and knowing exactly what you're looking for in life and what's the expected return that you need to cover your lifestyle and to reach that level of happiness that you're looking for.
00:20:35.815 --> 00:20:37.734
So it all goes back to knowing what you want.
00:20:38.184 --> 00:20:44.444
And I don't think you can reach the returns that you want if you're not clear on exactly how you want to live your life.
00:20:44.525 --> 00:20:53.365
And getting out of doomscrolling and social media and all of that, and really spending the time reflecting, what do you want out of life?
00:20:53.474 --> 00:20:55.345
Because it'll pass you by so quick.
00:20:55.795 --> 00:21:00.494
And just being intentional and present in the moment is the most important thing you can do.
00:21:00.894 --> 00:21:03.555
Because the highest ROI moment you have is right now.
00:21:04.005 --> 00:21:14.724
If you're ready to take it to the next level and have some support from a financial perspective because I am a finance person and want some help from me, please reach out.
00:21:14.765 --> 00:21:20.894
We can get on a call and see if there's some potential moves we can make in your business to optimize that ROI.
00:21:21.125 --> 00:21:23.194
And maybe it's in your life, maybe it's not in the business.
00:21:23.214 --> 00:21:27.315
But if that's something I can help with, please feel free to reach out, schedule a call.
00:21:27.315 --> 00:21:28.265
I'd love to chat.
00:21:28.265 --> 00:21:28.683
Thanks a lot.
00:21:29.134 --> 00:21:32.364
And that is all I have for this week, so thanks for hanging out.
00:21:32.423 --> 00:21:38.844
If you know anyone that might be interested in learning how they too can generate a higher ROI, please send them this episode.
00:21:39.294 --> 00:21:41.794
And I look forward to chatting with you next week.
00:21:41.817 --> 00:21:45.518
Thanks for joining me on this episode of the Energetic CFO Podcast.
00:21:45.928 --> 00:21:48.617
Remember, small steps can lead to massive rewards.
00:21:49.018 --> 00:21:53.917
By taking action, staying disciplined, and seeking knowledge, you can achieve your financial dreams.
00:21:54.367 --> 00:21:58.018
If you enjoyed this episode, please be sure to share, like, and subscribe.
00:21:58.307 --> 00:22:00.758
And don't forget to leave a comment with your thoughts and questions.
00:22:01.198 --> 00:22:04.867
Until next time, keep learning, keep growing, and keep thriving.
00:00:00.450 --> 00:00:05.919
Welcome to the Energetic CFO Podcast, where we empower you to take control of your financial future.
00:00:06.219 --> 00:00:10.140
I'm your host, Tiffany, an advocate for financial literacy and business success.
00:00:10.589 --> 00:00:17.989
In this podcast, we'll explore a wide range of financial topics from money mindset and budgeting to building wealth and achieving financial freedom.
00:00:18.440 --> 00:00:23.800
We'll break down complex financial concepts into simple, actionable steps so you can apply them in your own life.
00:00:24.250 --> 00:00:28.129
Whether you're a new entrepreneur or a seasoned business owner, this podcast is for you.
00:00:28.579 --> 00:00:34.530
Join me as we dive into the world of finance and discover the tools and strategies to help you achieve your financial goals.
00:00:34.979 --> 00:00:35.850
Let's get started.
00:00:36.299 --> 00:00:38.700
Welcome back to the Energetic CFO Podcast.
00:00:38.859 --> 00:00:40.439
I'm your host, Tiffany Vogel.
00:00:40.890 --> 00:00:47.579
And I am so excited today to talk to you about how to generate an infinite return on investment in your business.
00:00:48.030 --> 00:00:56.619
This is something I have played around with personally and trying to figure out like how to optimize our investments and our cash and all the things.
00:00:56.630 --> 00:01:02.829
So I'm excited to dig into this today and to share a few nuggets with you on how you can do the same stuff.
00:01:02.979 --> 00:01:03.439
So.
00:01:03.890 --> 00:01:06.819
It is finally, like, a normal week for us.
00:01:06.859 --> 00:01:09.939
Like, no major catastrophes, no hospitalizations.
00:01:10.390 --> 00:01:11.750
So far, no sick kids.
00:01:11.930 --> 00:01:13.819
Like, feeling really good.
00:01:14.269 --> 00:01:19.829
And Just like reflecting on life in general right now, it's, it is insane.
00:01:20.280 --> 00:01:26.049
The things that we've been able to accomplish and build over the last eight or so years.
00:01:26.500 --> 00:01:32.060
And that's when Eric and I, that's when I realized Eric sucks as a landlord, and he needed some help.
00:01:32.510 --> 00:01:37.709
And if you don't know that story, shoot me an email, I'll send you the podcast from On Purpose Investor.
00:01:37.719 --> 00:01:38.840
But that's how we started.
00:01:38.840 --> 00:01:40.540
He was just so bad at it.
00:01:40.640 --> 00:01:42.579
And I'm so efficient.
00:01:42.579 --> 00:01:48.150
I'm always looking for how to increase the efficiency and whether that's in our time or energy or money.
00:01:48.250 --> 00:01:55.510
And we've generated so many infinite ROI opportunities and it's one of my superpowers.
00:01:55.530 --> 00:01:57.430
And I want to share that with you today.
00:01:57.439 --> 00:01:57.900
So.
00:01:58.349 --> 00:01:59.060
Let's start.
00:01:59.409 --> 00:02:00.719
What is ROI?
00:02:01.030 --> 00:02:02.700
So, it's return on investment.
00:02:03.150 --> 00:02:06.090
It's used to evaluate how the investment's performed.
00:02:06.120 --> 00:02:07.810
And I'm looking at Investopedia.
00:02:07.819 --> 00:02:10.379
It's like the bible of finance knowledge.
00:02:10.830 --> 00:02:18.939
So it's a percentage, and it's calculated by dividing the net profit or loss by the initial cash invested, or cost.
00:02:19.389 --> 00:02:22.169
In real estate, we like to look at cash on cash return.
00:02:22.555 --> 00:02:23.495
That's an ROI.
00:02:23.594 --> 00:02:32.335
That's what's the return on that cash you put into the deal and how much is it going to make you each month, or actually each year is how it's calculated.
00:02:32.784 --> 00:02:41.745
We also, as we've had a portfolio for, you know, several years now, Eric and I have shifted from focusing on cash to the return on equity.
00:02:42.194 --> 00:02:46.025
So we'll look at how much is the property generating per year.
00:02:46.474 --> 00:02:48.314
Compared to the equity in the property.
00:02:48.405 --> 00:03:03.865
And the idea there is if we have a really low return on equity property, let's sell it and go take that cash and deploy it into something that can get a higher cash on cash or higher return and make those dollars work harder for us.
00:03:04.094 --> 00:03:09.955
So it's really important to consider all the factors when looking at ROI.
00:03:09.985 --> 00:03:11.525
It's one metric.
00:03:11.564 --> 00:03:12.574
This should not be.
00:03:12.925 --> 00:03:14.555
your only tool in your toolbox.
00:03:15.004 --> 00:03:17.985
It's not the big damn hammer as Bill Cook likes to say.
00:03:17.985 --> 00:03:21.205
It's something that you look at holistically.
00:03:21.655 --> 00:03:28.854
So if we're looking at our real estate portfolio, we look at the return on equity.
00:03:28.875 --> 00:03:38.664
So we look at that ROI and see, is this producing the income or the return that we'd like, but we also take into consideration, Is it highly levered?
00:03:38.914 --> 00:03:44.745
Like, some of the properties aren't looking so hot right now, but we took out a second on it to fund some other deals.
00:03:44.745 --> 00:03:48.534
So, we're not just using that metric as the end all be all.
00:03:48.985 --> 00:03:54.645
We also take into consideration depreciation, appreciation, and all these other factors that come into play.
00:03:54.764 --> 00:03:59.194
And generally, ROI is not looking at the long term picture.
00:03:59.235 --> 00:04:03.194
So you have to use your brain and think through it, and see what makes sense.
00:04:03.645 --> 00:04:08.365
When we do these analyses, we've looked at it, and we did it last year.
00:04:08.694 --> 00:04:14.675
We saw that a couple properties weren't getting a great return, and We saw that they had deferred maintenance.
00:04:14.715 --> 00:04:18.394
One of them had about 15, 000 worth of trees that needed to come out.
00:04:18.845 --> 00:04:23.064
So, if we had factored that in, that would have eaten all the cash flow for that year.
00:04:23.514 --> 00:04:30.670
So, we decided to sell it and did our exchange into our mountain property, and I don't know that I've calculated the cash on cash.
00:04:31.120 --> 00:04:31.629
for it.
00:04:31.670 --> 00:04:39.810
I think part of it's with it being Airbnb, it's hard to really calculate exactly what that cash, you know, value would be to us each year.
00:04:40.259 --> 00:04:48.459
So I will calculate that at the end of the year once we have a full year of data and we'll see how we stacked up on that return on equity and the cash on cash.
00:04:48.910 --> 00:04:52.800
But you want to make sure that you're calculating the same.
00:04:52.889 --> 00:04:57.660
It allows you to compare investments and the ROI is just kind of the.
00:04:58.110 --> 00:05:00.899
Baseline metric for evaluating a deal.
00:05:01.350 --> 00:05:09.259
But I think one thing that's commonly missed is there's more to ROI than just the hard finances.
00:05:09.709 --> 00:05:12.689
So it's not just I invest my money.
00:05:12.759 --> 00:05:14.670
I, Eric and I did a lot of BRRRS.
00:05:14.959 --> 00:05:19.829
So if you're not familiar with that, it's buy, renovate, Rent, refinance, repeat.
00:05:20.279 --> 00:05:21.170
Always have to think through it.
00:05:21.620 --> 00:05:32.699
So you're basically flipping a house and instead of selling it to a new person at the end of the time you're flipping it, you refinance it and keep it, and ideally pull out as much cash as you can.
00:05:33.149 --> 00:05:39.269
It was a really good strategy in the late 2018, 2019, 2020 era.
00:05:39.720 --> 00:05:45.120
And some of those properties, we were able to generate a solid infinite return on investment.
00:05:45.439 --> 00:05:54.970
So our second deal, we were able, we put 25, 000 of cash in it while we were renovating it.
00:05:55.420 --> 00:06:06.884
And when it was all said and done, we refinanced and we were able to pull all of that cash out plus another 25, 000 And we still had 50, 000 in equity on it.
00:06:07.225 --> 00:06:11.245
So, we had 25, 000 in our pocket at the end of that deal.
00:06:11.694 --> 00:06:13.985
And it's a three home property.
00:06:14.235 --> 00:06:17.324
So, it generates a healthy income for us.
00:06:17.774 --> 00:06:19.675
I'm pulling up my spreadsheet now.
00:06:19.995 --> 00:06:21.975
It generates about 1, 400 a month for us.
00:06:22.365 --> 00:06:25.605
So, it's been an infinite return from day one.
00:06:26.055 --> 00:06:32.814
We have other properties that we might've had 2, 000 invested, but we made that 2, 000 back after the first year.
00:06:33.264 --> 00:06:36.444
So it was a high enough return that it doesn't matter.
00:06:36.495 --> 00:06:40.154
Like there's no, you don't get a gold star for getting an infinite ROI.
00:06:40.454 --> 00:06:47.754
But the idea is how can you buy properties and have very little cash invested and generate those returns.
00:06:48.204 --> 00:06:51.024
And you can do that through having a second position note.
00:06:51.045 --> 00:06:54.454
We've had houses not refi at the level we needed it to.
00:06:54.654 --> 00:07:04.654
So we got a second position loan and are happy to write that check every month because we still have a great return on that property because we don't have a ton of cash invested in it.
00:07:04.654 --> 00:07:08.545
So that was the strategy that worked for us.
00:07:08.884 --> 00:07:10.404
We didn't have a lot of cash to invest.
00:07:10.855 --> 00:07:13.774
We had a lot of time and we had experience.
00:07:14.125 --> 00:07:17.654
So, we used those two things that we had to build our portfolio.
00:07:18.105 --> 00:07:25.814
If you have cash to invest, it's fine to get a 12 14 percent return, it just, that was not going to be what we needed to reach our goals.
00:07:26.264 --> 00:07:36.495
So we invested a lot of our time, so I bet if you factored in our time, and if we were paying ourselves, let's say 20 an hour, it probably would not have looked as good on paper.
00:07:36.944 --> 00:07:43.384
So it's just, that's where I want to say having a holistic view of ROI is really important.
00:07:43.834 --> 00:07:50.685
And not just looking for the great stamp on your balance sheet and P& L to show that you have a great return.
00:07:51.134 --> 00:07:56.004
There's other ways to generate an infinite return that you might not be thinking about.
00:07:56.454 --> 00:07:58.884
So we have hidden investments.
00:07:59.334 --> 00:08:02.574
If you invest in a company and they pay you back.
00:08:02.654 --> 00:08:04.004
A hundredfold.
00:08:04.214 --> 00:08:05.345
That's a great return.
00:08:05.464 --> 00:08:06.334
It's infinite.
00:08:06.764 --> 00:08:13.704
So there are ways to generate mathematically, financially an infinite return, but there's other ways to do it that you might not be thinking.
00:08:13.935 --> 00:08:16.305
And I want to just shift your mind a little bit on this.
00:08:16.754 --> 00:08:23.725
I've been working with a coach for about six months and I've not completely made back my investment.
00:08:24.175 --> 00:08:35.264
of working with her yet, but the knowledge that I have and the changes in me from working with her are huge and I know the financial returns will come.
00:08:35.284 --> 00:08:38.784
So that's a way that I've created an infinite ROI.
00:08:39.235 --> 00:08:40.235
Hasn't happened yet.
00:08:40.335 --> 00:08:41.164
It's coming though.
00:08:41.585 --> 00:08:55.865
So let's say just for math's sake, I invested 20, 000 in this coaching, invested a lot more than that, but we put 20, 000 in If I'm able to generate 20, 000, then I break even.
00:08:55.924 --> 00:09:01.615
If I'm able to generate 30, 000 using her advice, that's an infinite return on that 20, 000 investment.
00:09:02.065 --> 00:09:05.225
And I can tell you the highest return you're going to get is on yourself.
00:09:05.674 --> 00:09:11.335
And I am so big right now on not investing in programs, but investing in you.
00:09:11.784 --> 00:09:16.884
And Eric and I have bought a lot of courses over the years to help us Build up our business.
00:09:16.934 --> 00:09:20.965
And we've realized it's not a framework that's going to help us.
00:09:21.414 --> 00:09:25.024
It's the knowledge and the advice that we get from that person.
00:09:25.475 --> 00:09:29.475
And it's the mindset shifts that they cause in us.
00:09:29.924 --> 00:09:35.965
And the most efficient way I have found to get mindset shifts is to just skip the course and go straight to the one on one.
00:09:36.414 --> 00:09:37.465
That's what's worked for me.
00:09:37.914 --> 00:09:43.695
So in working with her for the last six months, I see that return coming to fruition.
00:09:44.144 --> 00:09:55.294
I also invest in masterminds and I've seen by being in the mastermind that I'm in, I've been able to generate revenue by referrals or people in the group.
00:09:55.554 --> 00:09:58.985
And that is becoming close to an infinite ROI.
00:09:59.434 --> 00:10:04.154
And the thing is the mastermind I'm in right now, we're wrapping up in a couple weeks.
00:10:04.605 --> 00:10:05.534
It's been a year.
00:10:05.985 --> 00:10:10.315
So I don't have the dollars to 100 percent have an infinite return yet.
00:10:10.764 --> 00:10:17.465
But the relationships I have made, I can guarantee you, over the next five years, it will be an infinite return.
00:10:17.914 --> 00:10:21.414
So that's where I say investing in yourself is the most important thing.
00:10:21.725 --> 00:10:27.085
If you have the opportunity to go to a seminar, especially in the real estate circles, the seminars are 600.
00:10:27.534 --> 00:10:29.948
And then you pay for the hotel, so you're talking 1, 000.
00:10:30.399 --> 00:10:48.528
Yes, that is a lot of money, but in the grand picture, if that 1, 000 investment can generate more than 1, 000 in savings in your business or knowledge, I know we took a course and had I had taken it sooner, it would have saved me more than the 1, 000.
00:10:48.528 --> 00:10:51.369
And I think it was Zoom, so it was only the 600 or whatever it was.
00:10:51.818 --> 00:10:54.568
The only regret I had was not taking it sooner.
00:10:55.019 --> 00:11:14.009
When we were building our real estate portfolio, Eric and I were so proud of ourselves that we did it without going to any seminars and how silly, because if we had invested in the seminars, we probably would have avoided a lot of dumb mistakes and generated more income and just had connections and friends to help encourage us as we were growing the business.
00:11:14.458 --> 00:11:33.929
So I just want to keep in mind, yes, you can generate that infinite ROI in Your transactions and your deals, but also sometimes investing in yourself and your education and your knowledge and having support and someone to be a third party perspective on your life and business can generate even higher returns.
00:11:34.379 --> 00:11:38.309
I had a couple of clients I was working with that were not clear on.
00:11:38.759 --> 00:11:40.450
how many transactions to do a month.
00:11:40.899 --> 00:11:49.870
And by working together, we were able to give them the clarity to know exactly how many flips and how many rentals they needed to reach their goals.
00:11:50.259 --> 00:11:53.809
And then we were able to back it from there into a plan for them.
00:11:54.250 --> 00:12:03.350
And they knew exactly what they needed to do each week in order to reach the goal of the income number that they wanted to generate.
00:12:03.799 --> 00:12:04.419
So.
00:12:04.870 --> 00:12:15.980
They were paying my services like they were paying for that, but by doing that, the clarity that they got allowed them to generate 10x return on what they were spending for my help.
00:12:16.429 --> 00:12:18.470
And I just I think it's so beautiful.
00:12:18.470 --> 00:12:20.450
And that's honestly, that's why I'm in this business.
00:12:20.450 --> 00:12:24.960
And what I love doing is being able to help someone translate.
00:12:25.409 --> 00:12:32.929
numbers on a spreadsheet into action so they can generate infinite returns on investing in themselves and on their deals.
00:12:33.379 --> 00:12:35.539
And it's just such a, it's so fun.
00:12:35.600 --> 00:12:36.480
I just love it.
00:12:36.929 --> 00:12:44.769
I see how we have done it so many times in our business and want to help people look at it in their life too.
00:12:45.220 --> 00:12:49.879
I invest each week in someone to do my laundry.
00:12:50.330 --> 00:12:54.470
We still do a ton of laundry at home, but about half of it gets sent off.
00:12:54.590 --> 00:12:57.570
And that is an infinite ROI to me.
00:12:58.019 --> 00:13:04.269
Because I think I spend 40 a week for them to fold a couple loads of laundry.
00:13:04.720 --> 00:13:21.450
But by the time I take the mental load of Seeing the clothes, getting them in the wash, moving them from the wash to the dryer, starting the next load, moving them out of the dryer, moving the clothes from the wash into the dryer, folding both loads of clothes, and then putting them all away.
00:13:21.899 --> 00:13:23.009
That is a lot of effort.
00:13:23.460 --> 00:13:26.789
Versus, well, a lot of effort and a lot of time.
00:13:27.240 --> 00:13:34.940
Because it's probably two, three hours of Having to think, oh, the clothes are probably done, or setting a timer to remember.
00:13:35.289 --> 00:13:41.009
And having to stop what I'm doing, and go do that, go move them over and then do the next thing.
00:13:41.389 --> 00:13:46.740
I know it sounds so silly, but that 40, if I could have 20 an hour for me.
00:13:47.190 --> 00:13:52.230
It is worth paying that, because my hourly rate is more than 20 an hour.
00:13:52.679 --> 00:13:55.899
So to me, that investment is an infinite ROI.
00:13:56.350 --> 00:13:57.820
Same with my house cleaner.
00:13:57.889 --> 00:13:59.940
Same with our boys being in school.
00:14:00.389 --> 00:14:04.340
We've realized the school our boys are in, they are just thriving.
00:14:04.580 --> 00:14:22.059
And it's an expensive private school, but it's worth it because the energy that we're expending to parent them has significantly decreased because they have reinforcements from other adults who aren't mom and dad that we can reference.
00:14:22.100 --> 00:14:23.470
Hey, what do you do at school?
00:14:23.919 --> 00:14:29.830
And we're using the tools that these trained professionals who work with kids all day long are using.
00:14:29.840 --> 00:14:33.559
And it's helping us to be better parents, be less stressed out.
00:14:33.750 --> 00:14:35.070
It gives us the time to work.
00:14:35.090 --> 00:14:38.690
And again, that, you know, hourly rate works out in our favor.
00:14:39.139 --> 00:14:47.460
So I just want to shift your mindset of an infinite ROI is not necessarily just involved in an investment or a strategy.
00:14:47.909 --> 00:14:51.620
It's the investments in yourself and your time and your family.
00:14:52.070 --> 00:14:59.909
And it's just, it's a great reframe to show that sometimes, yeah, overhead is not ideal.
00:15:00.330 --> 00:15:09.210
I would love to cut a lot of our overhead, whether in the house or in the business, but by investing in these things, it has allowed me to generate more income.
00:15:09.320 --> 00:15:12.289
So I will continue making those investments all day long.
00:15:12.740 --> 00:15:20.429
So if you're looking to generate an infinite ROI, What existing resources can you use?
00:15:20.879 --> 00:15:37.909
What, think about your network, your tools, anything you have that you can use to grow without adding a ton of extra cost, or is it time to make that investment and hire the coach, hire the strategist to help you assess your numbers?
00:15:38.360 --> 00:15:46.799
I can tell you the times I have sat down and looked at somebody's real estate portfolio, and help them assess what is happening.
00:15:47.250 --> 00:15:54.840
The money that they pay me for an hour to sit down and look at it comes back in, I don't even know the multiple, a thousand times return.
00:15:55.289 --> 00:16:00.850
So, taking the time to gain that knowledge or just have someone review your stuff is so, so worth it.
00:16:01.299 --> 00:16:02.809
I think about like our taxes.
00:16:03.259 --> 00:16:11.529
Our CPA has been so good and they've pointed out strategies we can do that will save us hundreds of thousands of dollars over our lifetime.
00:16:11.980 --> 00:16:18.610
So, yeah, I don't love writing the couple thousand dollar check that I need to each year for them to do our taxes and everything.
00:16:19.059 --> 00:16:38.125
But also, I'm so happy to write it because I know that's going to save me a million times return, whatever the number is, over the course of my lifetime because of decisions we're making now and then being able to invest that money over the long run versus paying it to Uncle Sam is just a, it's an insane return.
00:16:38.575 --> 00:16:42.495
Can you potentially partner with someone and generate a better return?
00:16:42.945 --> 00:16:54.975
We recently partnered with the Boids and On Purpose Investor and the return that we're seeing there and just the revived energy and the additional support and all of that.
00:16:54.985 --> 00:16:56.215
It's so worth it.
00:16:56.664 --> 00:17:01.634
Even though now we're splitting the profit, We're getting more in return from it.
00:17:01.644 --> 00:17:10.414
So what are the things you can do in your life and partnerships or friendships that you can build that will generate a higher return?
00:17:10.424 --> 00:17:12.454
And sometimes the return is not financial.
00:17:12.464 --> 00:17:16.515
Sometimes it's just in happiness, because at the end of the day, like, what are we doing?
00:17:16.704 --> 00:17:19.224
Are we generating money just for the sake of generating money?
00:17:19.255 --> 00:17:21.365
Are we generating money for some kind of happiness?
00:17:21.815 --> 00:17:38.704
Personally, that's my focus right now is being focused on gratitude for the things that I have and what I will generate in the future and just being happy with using my money to create more happiness for me and my kids and my family.
00:17:38.714 --> 00:17:44.755
So if you're looking to generate money for the sake of generating money and a number in a bank account, I want to challenge that.
00:17:45.204 --> 00:17:53.125
And the best way I've heard this framed is if you had a million dollars in your bank account tomorrow, but you couldn't touch it, does that change anything?
00:17:53.575 --> 00:17:59.355
And it's such a good point because a million dollars in your bank account, it's just ones and zeros on a computer screen.
00:17:59.805 --> 00:18:02.105
It's not the million dollars that makes you happy.
00:18:02.525 --> 00:18:03.644
It's what you can do with it.
00:18:04.095 --> 00:18:08.305
Deploying money into things that will make you happier is really the end goal at the end of the day.
00:18:08.755 --> 00:18:19.684
The investment I've made in coaching this year has been worth it because I am way happier and peaceful and calm than I've ever been in my life.
00:18:20.134 --> 00:18:26.515
Another strategy you can use to look at increasing your ROI is what can you optimize in your business?
00:18:26.964 --> 00:18:29.884
We've talked about potentially trading some properties.
00:18:29.914 --> 00:18:31.994
We've been in pad split for a long time.
00:18:31.994 --> 00:18:34.394
Could you potentially convert the use of a property?
00:18:34.845 --> 00:18:41.224
We have a property that we could add potentially a mobile home to the back part of the land, and that would generate more income.
00:18:41.525 --> 00:18:46.085
We're looking at that as a separate investment if we invest say 50, 000 to develop this.
00:18:46.535 --> 00:18:49.325
and put a mobile home out here, what is that return?
00:18:49.775 --> 00:18:57.974
I don't think the numbers pencil out for this particular one, but we could potentially sell the land to somebody else and let them make that investment.
00:18:58.005 --> 00:19:01.164
And it would not impact us at all at the end of the day.
00:19:01.615 --> 00:19:04.724
And just boosts our return on the property that we have.
00:19:05.174 --> 00:19:10.755
Looking at what you currently have and saying, can you optimize it is another great way to boost that ROI.
00:19:11.204 --> 00:19:21.144
I know we've been talking a lot about numbers and finance and all the things, but at the end of the day, the return on the investment is not just the numbers in a spreadsheet or the dollars in the bank account.
00:19:21.595 --> 00:19:23.585
It's about the life you're living.
00:19:23.934 --> 00:19:30.275
And we look at our properties and say, Can we potentially Make some changes.
00:19:30.305 --> 00:19:39.105
We realized the return on one of our pad splits where we rent by the room is not as high as we'd like it to be given the extra energy.
00:19:39.555 --> 00:19:44.855
So we're not just looking at the return financially, we're looking at the amount of time we spend on it.
00:19:45.305 --> 00:19:51.134
So that's where I go back to just having a holistic view when you're looking at ROI is so, so important.
00:19:51.585 --> 00:19:53.105
And I just want to challenge you.
00:19:53.115 --> 00:19:57.035
What are a couple of things you can do to increase the ROI in your business?
00:19:57.484 --> 00:20:02.285
Is it investing in a coach or program or outsourcing something?
00:20:02.285 --> 00:20:04.795
So you have more time for your family.
00:20:04.865 --> 00:20:09.644
The thing is, like, sometimes the laundry might not translate to an extra hour of work.
00:20:10.075 --> 00:20:13.785
It might translate to an hour of fun time with my kids.
00:20:14.234 --> 00:20:19.914
And that's a for sure an infinite ROI because they're getting big and they're not going to be little forever.
00:20:20.365 --> 00:20:35.365
So I'm totally good making that investment, but I think it's all about the strategy and knowing exactly what you're looking for in life and what's the expected return that you need to cover your lifestyle and to reach that level of happiness that you're looking for.
00:20:35.815 --> 00:20:37.734
So it all goes back to knowing what you want.
00:20:38.184 --> 00:20:44.444
And I don't think you can reach the returns that you want if you're not clear on exactly how you want to live your life.
00:20:44.525 --> 00:20:53.365
And getting out of doomscrolling and social media and all of that, and really spending the time reflecting, what do you want out of life?
00:20:53.474 --> 00:20:55.345
Because it'll pass you by so quick.
00:20:55.795 --> 00:21:00.494
And just being intentional and present in the moment is the most important thing you can do.
00:21:00.894 --> 00:21:03.555
Because the highest ROI moment you have is right now.
00:21:04.005 --> 00:21:14.724
If you're ready to take it to the next level and have some support from a financial perspective because I am a finance person and want some help from me, please reach out.
00:21:14.765 --> 00:21:20.894
We can get on a call and see if there's some potential moves we can make in your business to optimize that ROI.
00:21:21.125 --> 00:21:23.194
And maybe it's in your life, maybe it's not in the business.
00:21:23.214 --> 00:21:27.315
But if that's something I can help with, please feel free to reach out, schedule a call.
00:21:27.315 --> 00:21:28.265
I'd love to chat.
00:21:28.265 --> 00:21:28.683
Thanks a lot.
00:21:29.134 --> 00:21:32.364
And that is all I have for this week, so thanks for hanging out.
00:21:32.423 --> 00:21:38.844
If you know anyone that might be interested in learning how they too can generate a higher ROI, please send them this episode.
00:21:39.294 --> 00:21:41.794
And I look forward to chatting with you next week.
00:21:41.817 --> 00:21:45.518
Thanks for joining me on this episode of the Energetic CFO Podcast.
00:21:45.928 --> 00:21:48.617
Remember, small steps can lead to massive rewards.
00:21:49.018 --> 00:21:53.917
By taking action, staying disciplined, and seeking knowledge, you can achieve your financial dreams.
00:21:54.367 --> 00:21:58.018
If you enjoyed this episode, please be sure to share, like, and subscribe.
00:21:58.307 --> 00:22:00.758
And don't forget to leave a comment with your thoughts and questions.
00:22:01.198 --> 00:22:04.867
Until next time, keep learning, keep growing, and keep thriving.