Nipsey’s kids are set for life, not set until they are 18

We all saw the news yesterday about Nipsey’s family rejecting crowdfunding because they were already taken care of. This was amazing to see. So often people pass and we see the GoFundMe’s pop up and the carwashes pop up and this is disgusting to see. Yes, I said disgusting.

I believe that we have to say the hard things and not just the things people want to hear and that is the purpose of this blog. Your family should not have to go through the embarrassment of a GoFundMe just because you were unwilling to spend the $20-$50 required for a term life insurance policy. GoFundMe funerals to me just are a public showing that you failed.

The next thing that I picked out of the Nipsey rejection was that he was an owner. By owning his masters, owning his store and owning real estate Nipsey didn’t leave his kids money he left his kids cashflow. This is the major key here. So many of us are chasing money money money and not enough are chasing equity, ownership, even if its just a percentage and not the whole pie. Ownership is forever and cash is for the moment. ownership outlives you, when done right.

The last thing that I pulled out of the Nipsey interview was that his kids are set for life. At first we look at this and say “OK” but this is important. It is important because it your parents job to set you up for life not to set you up to turn 18.

I see so many young people turning 18, thinking they are grown and proceeding to ruin their finances and their life. They go into debt, get credit cards and student loans, finances cars at 24.99% interest, go to jail or have kids with the wrong people. All because someone told them they were grown at 18.

It’s like parents act like parenting is a ticking time bomb and they can’t wait to get rid of the burden that they created. A lot of these were unplanned children so that plays a part. A lot of these were children with people that parents don’t care for but that is your fault, not the kids fault. Using 18 as a deadline is a cop out, any parent who does it is not worthy of honor and should be pointed out and shamed! Yes, I said it.

We have discussed this on the show and on the blog but most people’s brains don’t even fully form until late in their 20’s. I know that I can relate to this. The wisdom I have at 32 is nothing compared to the wisdom at 25 or anything sub thirty. Something clicks at this age – most people don’t make it to this age.

A lot of the reason why we live by this 18 year old rule is because that is what the government told us. Well, its time to stop letting the government dictate what we do and start letting what works dictate what we do. One of my problems with conventional wisdom is that the results don’t look like success. We stand by diets that fail us, relationship standards and expectations the fail us, parenting strategies that fail us and financial strategies that fail us. It makes no sense. If the strategy worked the results would mirror success not continued failure. My challenge for you is to study what works and then do those things don’t just do what you have been told to do.

Study financially successful cultures and mimic their moves. Study academically successful cultures and mirror their moves. Study successful and happy families and marriages and mirror those moves. This is what reading and exposure does for you. It did it for me and it did it for Nip. When you are exposed to new things you can then implement those strategies and you look up with wealth that lasts beyond your years just like the people you were studying.

Nobody is against you they are merely for their own. America is so great that it doesn’t matter what you look like you can have what you want if you just do the right things. I truly believe that and I have seen that. don’t buy into the idea that you have no shot and you have lost before you have won because too many people who look like you and who have come from where you have come from have proven that theory wrong. The only thing holding you back are the thoughts that someone put inside your head.

I encourage you to abandon that old way of thinking and reshape your mind. Read great books, listen to great podcasts and seek out people who look like you who have done what you want to do, they exist. And then obsess over that. Block out anyone who wants to tell you what isn’t possible for you. They are speaking on their limitations not yours.

The point of this blog is that a lot of our methods are wrong and if we keep doing those wrong things we will keep getting poor results. It is comfortable to do what you know but it doesn’t yield success. Instead of just going along I encourage you to seek out new ways and mimic those ways. If what we were doing was working we wouldn’t be having this conversation.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

Club Investing is Boring. Embrace the Marathon.

We have been at this for about three years now. We have far surpassed my expectations in the amount of money we raised, the gains and cashflow we have accumulated and the overall ROI that we have earned. I am impressed with us.

At this point the company has grown so large that I can’t even justify bringing on more people, even though the demand is there. I get calls and emails and DMs to join the club everyday, multiple times per day, so if you are in the circle consider yourself among the privileged.

Im starting to get a sense that we lack energy in the club these days though. Conference calls are falling flat and group chats are dry. Participation has been really low. I think that this is because the excitement has faded. The fun has worn off. I think that this is the wrong thing to do.

Why is it wrong? It is wrong because investing isn’t big and sexy. I have tried to hammer this in but investing is a slow and diligent process where we follow a system of buying and holding and reinvesting. Where we continue to throw new money on top of our current holdings and amass wealth over time. Wealth is a marathon.

The term marathon means “a long-lasting or difficult task or operation of a specified kind.” Club investing done right is just that. A commitment that you make where you get the money to work, over time, for a long amount of time.

The beauty in this commitment is that you die leaving children who want for nothing, just like Nipsey did. The beauty in this is that you did it with $100 a month that you just put in the right place while you continued to live life as you would have with the extra $100. Keeping it real, our investments aren’t making or breaking our pockets but they have the potential to set up our pockets in the future.

It still frustrates me to this day that we pulled out $20,000 because that money would have been better served earning us a return as opposed to whatever silly stuff each of us did with our slice. A $20k investment goes a lot further than a $400 individual check. The power of the group comes in our accumulated ROI not just around accumulated principal. If you are honest with yourself I am sure you didn’t make any $20k legacy moves with your piece, you probably squandered it on sneakers and alcohol.

So as we go into the middle of the year I want to challenge you to commit to the marathon that is Todd Capital. We haven’t failed you yet and if you continue to buy into the vision we will only take us further. We own seven homes and have a six figure investment portfolio and we haven’t even had our foot on the gas. The foot is being placed on it and will stay on it for the next few months though.

I want to remind you to not get caught up in the hype to spend the ROI though. Don’t get caught up in the hype to pull money out. The true wealth is at the end of the marathon not the end of the sprint.

Every time we pull money we blow it on crap. Lets not make that mistake this year. The Marathon Continues.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire


Join a club or start one – Three reasons why an investment club is the best strategy for a new investor with limited funds

This morning someone sent me a message. They told me that they loved the podcast. They then asked how they could get started investing with little to no money. I told him to join an investment club or start an investment club. The latter option is the most lucrative.

See I could give him the obvious series 7 advice (diversify your funds, invest for the long term, dollar cost average, rebalance your portfolio) but I’m not about that. Series 7 advice is for those who already have money.

Its so funny to me that I didn’t’ make the top IG finance influencers list but then I realized that those folks live and die by the financial education sold by their firms. The advice that teaches people to invest at the back of the food chain, buying publicly traded shares, ETFs and holding for the long term. I haven’t met a millionaire that used that strategy to build wealth so I stopped studying it and I stopped preaching it.

This blog is about how being unconventional and taking a focus bigger than just yourself will actually help your investment goals. Here are the three reasons why joining a club is better than throwing a few bucks at a Robinhood account for six months.

Joining a club helps you get high level experience.

When you invest with a club you experience throwing thousands and tens of thousands of dollars at deals, even if you only control a small piece of that deal.

This gives you access, it allows you to ask questions, it allows you to get tips, tricks etc. that will make you a savvy and professional investor, not just an investor.

You can invest your few bucks on your own and experience getting a 10% ROI on 500 or you can pool that $500 with other investors and start talking big money. You wont get rich on the ROI still but you will get rich with access and real life experience.

It gives you built in mentorship

A lot of people hit up my DMs for mentorship. What they want is the prototypical mentorship in the form of phone calls and coaching sessions. The things that coaches typically charge for. The interesting thing about this is that mentorship comes in different forms and often times its not called mentorship and the person giving it doesn’t think they are your mentor. Nevertheless, you still learn the lessons and you still get the value from the relationship.

Working in a club gives you a mentors. In fact it gives you multiple mentors. A mentor is a person with knowledge that is willing to answer questions for you and give you insight into how they do business. If you build the club the right way or join the right club you will come in contact with smart people who can advise you on which moves to make, which markets to buy in and what opportunities to avoid. That mentor you want is in the club you need to start or join.

It allows you access to a mastermind

According to Napoleon Hill the Mastermind principle is “The coordination of knowledge and effort of two or more people, who work toward a definite purpose, in the spirit of harmony.” When people think investing they really think “make money so I can stunt on my own community” not “make money so with my community so we can stunt on other communities”. This is a problem.

A wise man seeks the counsel of many. A wise investor also seeks the counsel of other wise investors.

Investing in a group requires ideas to be vetted and scrutinized by many eyes. This gives you more certainty in your decisions and those decisions typically pan out.

So in conclusion, I am not saying don’t invest on your own, of course invest on your own – but you also need to access a club or group of investors who are pooling money together, discussing real life deals and willing to answer your questions as they come up. Don’t be a GDI wealth builder. Partner up.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

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Magic stepped down because being an employee, even a well paid employee, restricts your reach

Magic Johnson stepped down as President of the Lakers organization last night and people are upset. Some are saying they are upset because he should have told the Buss family first, some are just saying he wasn’t cut out for the job. It might be all of those things but one thing that stood out to me was the limited reach of being an employee.

In his exit interview Magic made the point that he had been approached to consult with, mentor and advise major athletes like Serena Williams and Ben Simmons. Unfortunately the NBA regulations monitored his contact with players to avoid any tampering allegations as we saw with the Paul George scenario. Magic makes the comment that he couldn’t even congratulate D Wade on his career because the NBA would be watching.

“The fines and the tampering and the this and the that, I can’t help young men who want me to help them, or I can’t tweet out. Like Russell Westbrook, that was a great feat the other day. I couldn’t even tweet it out to say, ‘Hey, congratulations.’ If I had did that, everyone would have said, ‘He’s tampering.’ I don’t like that. I like to be free.”

To me, this sounds like a boss being put into the role of an employee. To me this looks like the limits jobs place on outside business activities, social media posts and conflict of interest situations. To me this looks like the very things that people go through every day because they NEED that pay check. The beauty in all this is that Magic doesn’t need a check. He took the job as a role not as a source of income and they proceeded to dictate to him as an employee.

While I was reading this the Dame Dash interview popped into my head. Magic was working this job where someone else told him what he could say and who he could say it to and when he could say it. Magic was working this job where there was someone watching him at all times and investigating conduct. Is it worth it? Not to a boss. Dame Dash would not approve.

Another thing that I realized is that the same is true with the NFL athletes. Many of them couldn’t speak out because their reach is limited. They had to “shut up and dribble”. They have a great salary but great salary doesn’t equal power. Ownership is power. Being the boss is power. Making the rules is power.

I believe that a part of the reason Magic stepped down was because he has bigger dreams for his life than to just work that job. He has a larger reach, a bigger impact and a higher calling than just making money for the Lakers organization.

I also believe that YOU have a higher calling. You have a larger reach, the chance to make a bigger impact and definitely a higher calling than just making your boss rich. There are things you can’t say, places you can’t go and people you can’t help in fear of conflict of interest, non competes and social media policies. All allow you to keep your job but they don’t allow your community to grow. I want to encourage you to think community growth not just paycheck. Your calling will make you wealthy, your job will keep you from being poor. Your calling serves your community at large, your job only serves you. Go big.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

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Lessons From the Evolution Of The Marathon Store

I was trying to write one Nipsey piece but I don’t think one piece is enough. I want to write several because his legacy hit me in several different ways. This post is going to give people some history about the Marathon store in hopes of inspiring more to do something similar.

Per the most recent documentary I watched on the Marathon Store Nipsey and his brothers’ journey really revolved around this piece of property. Nipsey and his brother began their entrepreneurial journey selling tee shirts out of the back of their car. They did so well at this that they opened up a store in the complex named Slauson Tees. This alone was an impressive feat. Unfortunately, the store was raided and the raid resorted to his brother being put in jail for around a year and them losing the store.

After getting out of jail, Nipsey’s brother “Blacc Sam” didn’t have the means to open the store back up so he started selling shirts on the street in front of the same location. After he made enough money to get back into the complex he leased space and opened back up.

The story gets a little grey around here but ultimately they leased multiple units as Nipsey’s career grew and then bought the entire building. We have all heard the story about how Nipsey and his friends were harassed by a burger stand owner and now that burger stand owner pays them rent. That is “true power”. Here are some key takeaways from the Nipsey story that I think everyone should key in on.

  1. Stay loyal: No matter what they did, Nipsey and Blacc Sam stayed on the same corner. This was done strategically so their customers knew where to find them. This allowed them to scale and it ultimately allowed them to capitalize on the opportunity to buy the building when it came around because they knew the owner and had a relationship. Sometimes it take more than money to make a deal happen. The key to being in the right place at the right time is always being in the right place. That is what you get when you stay loyal to one spot.
  2. Start small, think big: One key thing about this to me is that they started with what they had — they didn’t sit around looking at owning the whole block, they started moving and the block ownership came to them. Many of us can do exactly what they did. Selling things on the corner. Many of us don’t want to be seen in this phase though so they clock in and get a job. They key is that it is possible. The question is whether you are willing to do what it takes.
  3. Legal hustles create wealth, illegals ones create poverty: Nipsey mentions hustling a lot but he wasn’t selling drugs. Instead he was selling t shirts and his mixtapes. So many young men want the instant money and that instant money will land you right in jail. Nipsey shows that you can make money legally that is long lasting and it can grow if you just continue to commit to the process. You can’t pass down illegal money, you can’t buy businesses with illegal money, you can’t level up with illegal money. The illegal money will keep you small, will send you to jail or send you to the grave. When those things happen to you, your family loses your earnings capacity and it lands them right into poverty. Like Nipsey says “I’m not gong to make 100 mil in these streets”. Wealth is legitimate and long lasting. You get pennies chasing quick money.
  4. Other ventures feed your main venture: Too often we believe that a business has to stand on its own two feet. That a real estate deal has to stand on its own two feet. This is baloney. One thing we see is that they started on the block with the store and continued to build up other streams. As those other streams built up they were able to purchase the building and then receive income from the building which then allowed other ventures to grow. One venture helps the other.
  5. Don’t announce your moves just make them: This one is a lesson that I have to learn as well. That is that in this real estate and business game its better to execute on your big plans in quiet and secure comfort for your family than it is to get the praise for your plans. People steal plans and people hate on possibilities. We do a lot of this to Hustle and Motivate but Nipsey’s life and death are all the motivation and inspiration we need. Now we need less talk and more moves in silence. We are the only culture that announces our plans before we make them. I have this theory that one of the reasons we struggle is because we don’t have our own language. This prevents us from organizing in quiet. There is true value in planning on the low and then attacking. Everyone shouldn’t know your next move.

I have so much to say but the big takeaway is that these brothers (there is also power in the family working toward ONE goal and not a bunch of separate goals) started in the lot, opened Slauson Tees and then flipped it into owning the building all because they kept going and kept running the marathon. I want to encourage you to get on your own marathon. Link up with family, start with what you have, commit to an area and flip everything back into that area. You will be amazed at what you can build when you put effort into building and not just getting a paycheck.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

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Build a track record by any means necessary

When we first started doing deals we ran into the issue of not having the experience to get the funding to do deals. As many people know, if you are going the hard money lending route they don’t care as much about your income and credit as they do the quality of the deal and your track record. Because we were new we weren’t getting the best deals and because we had no track record people didn’t take us serious. I was forced, as I have always been forced, to find a way where there is no way.

Some people would house hack their way out of this predicament but for me that wasn’t an option. I was in law school and not working so I couldn’t qualify for conventional lending. I came up with a few different ideas. That idea became a partnership fund similar to what Warren Buffet did.

In implementing these ideas I started seeing hidden benefits that reveal themselves to the people on the field. After a year and a half of doing this, with a few rehabs under our belt I have built the track record that I lacked in the beginning. I am now credible in the real estate space and not just a hopeful investor. Here are some of the ways I was able to build a track record as a real estate investor without using much if any of my own money.

Provide opportunities for others

A lot of people who get into real estate investing or business don’t do it to elevate others, they do it to elevate themselves over others. This is a huge mistake, especially in the black community. By providing opportunities for others I was able to gain access to the resources of others and create a win win for all involved. By expanding my vision outward I rose along with the people involved.

This was also true with stock market investing. By providing a club where people could come and learn I actually learned. I was required to stay ahead of the pack and produced social proof and that skill translated into over a 1000% ROI in my personal portfolio.

When I look at the Bezos fortune I realize that he didn’t set out to make money. He set out to improve things. The same can be said for Steve Jobs, Bill Gates, Donald Trump and his father, etc. The key to wealth isn’t selling things, it is in making things better for people. The more people you can improve things for the wealthier you become. I gained wealth by creating wealth for others. It really works.

Take less than what you think you can earn

The problem with people with no experience but a lot of knowledge is that they think they are more valuable than they actually are. These are the degreed who don’t work for free at internships, these are the people who do business and overcharge for everything, these are the people that flip homes and over charge. I never wanted to do business like that.

This year I did a lot of things for free. I managed property for free, I managed rehab for free and I also took a lot less in terms of profit share than the people I worked with. All of this was valuable though. All of this positioned me to now gobble up opportunities and leverage all of the relationships I built over the last year. I now know contractors because I put myself under the stress of having to find them. I now have mentors and wholesalers in my rolodex. Those are all assets. Assets you get by doing and by paying people.

I took less than what I should earn in money and gained it in experience and connections. There is no zero sum. You always get what you are worth. The market doesn’t lie. If you want more value you become more valuable. In this rare instance it matters more about how truly valuable you are not what you think your value is. I recommend if you want to get started and don’t have money, go do something for free or for less than you are worth.

Do the work

There is this huge glamorization of passive income and not enough focus on income, period. I think this is the lazy mans vision of wealth. A lot of people don’t want to do the work but they want a lot of money so they think passive income is the path to the easy but wealthy life. This is ridiculous. All roads lead through work. Work is the best mentor.

By working, I was able to gain all of the skills hands on that people who ride on deals passively never see. I was up late stressed, I was fielding questions, I was dealing with deadlines. The most value in the real estate deal is the education and you get that education through the work. The ROI is basic. The ROI is implied. The bigger aspect is what else you can get out of the deal. For me, that was the track record of being someone that has pushed through problems, found solutions and proven myself to contractors and mentors as someone who makes things happen. That is worth more than the rental income.

The great thing about all of this is now I am able to do deals solo and I am able to access funding. Now I am also able to scale and do bigger deals because I speak from a place of experience not from a place of hopes and dreams. This alone is worth millions if not hundreds of millions.

I came to this realization when I looked at a funding email that I received. I realized that now I can get access to better deals, I can estimate rehab a lot sharper and I have a solid knowledge of values and rents. This came from experience not from knowledge. This means I can command the funding. This means I can do larger deals where I really want to invest which would be close to home. I didn’t start investing how I did and where I did because that was the goal, I did it because that was the path toward getting to my actual goal. If you aren’t on track toward your real goal its probably because you aren’t credible and don’t have a track record. Its your job to get that by any means.

Almost every big time investor started out buying crappy homes they could afford and then leveraged the track record, experience and capital to invest where they want to. This is a lot better than complaining and not doing anything and it ultimately gets you where you want to go. The track record is what matters not the ROI. Be great.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

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When a great company goes on sale you need to do whatever you can to take advantage of this bargain

This morning I woke up to a Robinhood notification stating that TSLA was down 10%. I rolled over and went back to sleep. Such is the life of an investor.

While riding to work I mentioned this to my wife and her response was “what did you learn from that?” I didn’t really have an answer for her but I was grateful that her response wasn’t one condemning me and calling it gambling like she has done in the past. Look at us making progress.

After mulling it over I realized what I needed to do though. I needed to liquidate other positions, free up cash and buy the 10% sale that TSLA and the Nasdaq are offering. This revelation led me to a principle that has always stuck with me. That is that the stock market is the only market where people panic and run out of the store when things go on sale.

When stocks go down this is an indication to buy more not to sell and nurse your wounds. I did just that.

I did this knowing that a discount is exactly the thing that I needed, especially one that comes in advance of earnings.

TSLA fell because of their delivery numbers. They failed to produce enough cars to meet their demand. People on the internet will see this as a bad thing but I see it as a great thing. It is a great thing to have more buyers than you have product to supply them with. For that reason I knew it was time to load up on more cash and wait for the “get back”.

The principle here is that when a great company goes on sale you need to do whatever you can to take advantage of this bargain. What looks like fear and dismay is the pay day that you have been waiting for. I never make money buying great news. Not any money worth talking about. TSLA now is down 10% and when it comes back Ill make all the money that I lost plus more. This is a win win.

Instead of running away from stocks run to them. Instead of running away from trouble run toward. Run toward the sale, run toward the discounts and you will win.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

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I’m choosing myself; I’m not worried about yall

I was in South LA this weekend working with my mentor like I do every weekend and like I think you should consider doing. Getting around black, generational business owner and real estate greatness, and letting it seep into your being. I do this weekly and I have reaped the rewards of doing so.

There is so much value in being around someone that has done what you are trying to do and also giving your skills and expertise to that enterprise. We need more give and take especially with the skills we get from these universities and jobs. Don’t just give back money, also give back your free time and your skills.

While I was there one of the dudes who is about my age came into the store. I have known him for a while so he knows what I do when I’m not there and he knows what I am working towards professionally. Unfortunately, I think he is secretly in competition with me. A lot of people are secretly in competition with me. YOU, the person reading this, you are probably in competition with me. That is why you are reading this blog.

I think the fact that I brag and stunt brings on this competition but nevertheless, it is there.

So while the dude my age is there he is going on and on about all the things he is doing and also trying to downplay my bar situation and other career things I have going on. He had planned to go to law school but his lsat scores wouldn’t allow for it. So his way of kind of evening the playing field and humanizing me is talking about how I have not passed the bar.

After he left my mentor and the owner of the business told me that I should tell him about all the homes we are buying next time he tries to stunt. My response was that I’m not worried about him. I am not worried about proving myself to any of yall. You do not validate me, I validate me.

This is in large part the confidence I have obtained from reading the book Choose Yourself. For the longest time I thought validation was when others said I was doing good. Now I know that is useless. It is useless because no person’s opinion of you is pure. They are secretly competing with you or comparing themselves to you. This makes their evaluation of you biased. If you allow biased opinions to shape your opinion of how you feel about yourself you will always have a low opinion of yourself. I choose to define me. I choose to pick me. I choose to tell myself that I am dope.

Furthermore, the more that I 10X the less I am concerned with the opinions of people who think we are equal but that aren’t actually equal. I know the things I am doing and I don’t need to one up the next man to feel good about what I am doing. I am not worried about yall. . I have learned to be ok with this and instead of proving them wrong via argument, I just execute and win.

The point of this post is that you win through action, not through argument. I win buy developing more homes not by bragging to some peon about what I am doing. I just win. I don’t debate, I don’t explain and I don’t convince. I just focus on the actions I am taking.

The point of this post is the freeing affect that choosing yourself gives you. At this point in my life, no person, no matter how successful gets to determine how I feel about me. I don’t care who they are. I know that my skills, credentials and work ethic determine who I am, not someone’s opinion. Always choose yourself.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

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The key to investment success is to find the blue ocean and avoid the red ones

Competition is the business killer. It is great for all those around you but it is terrible for your success. Do not be fooled. You do not want competition, instead you want a blue ocean or a monopoly.

This is a point that is hammered in on books like Zero to One and of course the book The Blue Ocean Strategy. In Zero to One he hammers on the idea of creating a monopoly not competing. In Blue Ocean he discusses doing business in the blue ocean instead of competing for profits in the red one.

For me, I find this in investing. When I am investing I look for places that people aren’t looking as opposed to going where people are. Hot markets will burn you. Cool markets will get warm again.

I do this in stocks when I buy ugly stocks that get hammered (I am watching Boeing). I do this in real estate when I look for crappy neighborhoods or not so glamorous properties.

When we started investing in Detroit we got a lot of push back from smart dudes who didn’t own any properties. These were guys who made comments like “Detroit is a sh*t hole” or other ignorant things. If he knew anything about investing and not being an employee he would have know that the statement “Detroit is a sh*t hole” is the indicator OF the investment opportunity and not that it is something to be avoided.

One thing I love about Blue Oceans is that you have room to make money. There is no shortage of opportunities in the blue ocean. There is less competition and you are seen as the big fish, the boss. In the red ocean you are merely a number. There is no shortage of deals in Detroit. I can literally fish there all day without getting bothered from the people scared off by bad press. Those people don’t know investing they only know how to follow.

Real investors find the blue ocean on their own because they understand the principles of investing. Followers get caught with their pants down. If law school did anything for me it taught me to think through a problem. I apply this same deep thought to our investments. I have thought each step out all the way through including multiple exits and multiple strategies. Most people don’t do this, they merely buy what is talked about on tv, in the news and on social media. That is not blue ocean thinking.

The key to this post is that if you see competition, if you see a lot of activity, if you see popularity this is a sign that the ocean is red and that a crash is coming. This was true in bitcoin, it was true in real estate back in 2009 and right now it is true in multi family real estate. Whenever you see something being touted as the sure thing that is when its time to avoid. For some reason people just can’t take action unless it is proven certain. At that time you are the exit strategy for the person who bought when it was uncertain.

I encourage you, if you want to make money investing, to seek out the overlooked areas with promise not the obvious plays that will soon be obvious losses. Trust me on this. I am a professional.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

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Four reasons why working for free is key

When I first started my LLC business I promoted that I was going to do ten free LLCs. I easily signed up ten people from various states, filed their LLCs and created ten happy “customers”. When I did this, I got push back. “Don’t work for free”. “You didn’t go to law school to work for free”. Said the crowd. These people are foolish. Working for free is the hack and I’ll tell you why. Here are a few things working for free on LLCs and in the investment club aka Todd Capital/Todd Acquisitions, did for me. Skills. Working for free gave me the most valuable thing of all. Experience and skills. When doing the LLCs I was able to learn the process of various states that have different requirements and expectations. Filing for free was practice which then gave me credibility. In regard to the investment club, I learned how to manage property, manage assets, buy deals, manage contractors and source deals from investing my time at little to no pay. I don’t get paid to do a lot but I gain experience. This experience has yielded me wealth in my personal endeavors. Credibility. Working for free has given me credibility. This is based on the experience that comes from doing even if the doing didn’t yield me a lot of money. I have a body of work that allows me to speak from a place of knowledge not theory. A track record. Similar to credibility, working for free or for the low has given me a track record that makes me a person of value. I am now able to reference past deals instead of things I hope to accomplish. This raises my status and puts me in the conversation with other doers not thinkers. Networking and a Referral Source Happy customers refer more customers. By creating happy people I built brand equity. By giving I created people who felt obligated to give back. Many of my free clients referred multiple clients back. You never lose when you give. You only grow. Another thing working for free and doing did was expose me to the people who can put me on to better deals. Now I talk to our contractor daily. He feeds me deals that are steals and are much better than a wholesalers deal. He does this because he gets paid to do the rehab. So I effectively get to skip the middle man. I was going to pay the contractor whether I got it from a wholesaler or not. This connection and confidence comes from working for free. He knows I pay and he knows I close and he knows he is going to get paid. Now I am able to walk into deals that nobody even sees. I encourage you to abandon the idea that working for free is beneath you or slavery and start getting your weight and your game up. The only person losing is the person sitting doing nothing. Get in the game by any means and then use those skills, track record and networking to get to the money. Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50 Check out the Todd Capital Store at www.gumroad.com/toddcapital I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process. If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join. Thanks for reading! Be great, invest well, Todd Millionaire
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