Master of the Exit: All Investing is Value Investing

In order to be a great investor you must be great at understanding values. What is value? Well the dictionary defines value as the “monetary worth of something”. This is important because there are two types of values. There is the market value, what the item is trading for and then there is the intrinsic value, which is what the item should actually be trading for. The money is made in recognizing the difference between the two, shorting the over valued and going long the undervalued. When we speak on corrections, this is what we mean. A correction is when the market value reverts to the actual intrinsic value.

This is important. Not just because it allows you to make money but because it helps you avoid losing money. You have to know when something high is going to go low so you can avoid it or position yourself to profit from it. You also have to know when something is low and isn’t supposed to be low so you can win when it pops and goes back to where it should be. By doing this you avoid being on the wrong side of a trade or holding.

The problem with market value is that it is based on hype. People talk about what they think its worth, they beat down values with media, they prop up value with media. All while this is going on money is being made. What is important though is that you keep an eye on the financials and the data. After all the hype settles what is real and what is fake?

Recently, I bought the company BYND. This stock popped 10% on Friday and another 10% on yesterday. I sold and took my gain even while the company was up 12%. I always sell into strength. I wanted to sell the high not hold it in hopes that it would go higher. When I saw it floating up too high I knew it was time to take money off the table. A 20% gain in one week is good for me. Waiting for it to run would make me a greedy pig and pigs get slaughtered. So I sold and took my money. Later that night the company popped after earnings but then got hammered the next day. I knew it was time to exit and I did. I now crown myself Master of the Exit.

I am master of the exit and master at avoiding what isn’t lucrative. This is what I did with bitcoin and this is what I am doing with large multi family (100 units or more). I do this because I just see hype and run far away. I also vet the people who are giving me information. I am not taking advice on investing from non investors. I am not taking investment advice from uber drivers, sorry.

How do you determine value?

Stocks: The most important thing you need to know is that a stock price is the present value of FUTURE earnings. This is so important. Especially when we are talking IPOs. Many people slander IPOs because their valuations don’t match the current revenues and net profit. Well, dummy, its not supposed to. The price is based on the future valuation.

You have to know the rules to know what to do. Another way you can determine value is PE ratios. This is used to compare the company you are looking at with the industry average. It is important that you know what something is worth so you can take advantage when things are mispriced.

Real estate: Real estate is valued based on comps. Commercial real estate is valued based on the cashflow. I like this but one thing I realized is that sometimes the comps don’t get it right. An example are the homes in Detroit. These are low cost homes but high cashflow.

We aren’t buying them to live in them, we buy them as cashflow investments and we buy a lot of them. Therefore, it doesn’t make sense to value them based on their comps. When you cap out the cashflow on a Detroit home you get the true value, then compared to what you can pay for the home you realize that there is a bargain to be had.

What should you do?

What you have to realize is that a lot of people don’t know what they are talking about. They are just repeating what their guru told them. This creates opportunity for the thinkers and creators. This creates opportunities to take advantage. It is your responsibility to see through the media, the talking heads, the gurus and strike out on your own path finding and creating your own value. This is what I did. I made money when I stopped listening to fake smart people who are leading you one way while they sneak in through the back door.

What you need to do is educate yourself on the market. Analyze deals. Watch what is going on and make your own informed decision. Only by straying away from the pack can you get the big meat. In the game of investing, contrarians win. I promise you.

Enroll in 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

Stop running away from losses.

You ever had a trade go against you? You ever had a rehab go way over budget? These things suck. These are the things that keep people on the sidelines because they are afraid of losing. These people want to have so much information that they can’t lose money. They read and read and watch and watch trying to make sure that they have the most flawless strategy that can’t fail. Then they jump out there and get slapped down.

This happened to me last week. I stepped into a beyond meat (BYND) trade and got slapped down 20%. I lost big money in one day. In one day I lost more money than the average person has saved. I was mad but I flipped that loss back even. I made all my money back in a week and I am now in position to win more.

What I learned from this experience though is that you have to put yourself out there and be willing to lose. You don’t have to plan to lose but you must be willing to lose. Why? Because in business and in investing a loss isn’t a real loss.

In business, losses refine your processes. Losses are the lob for your next big opportunity.

For example, last week I was approached by a private lender. The lender wanted to do a deal with me so I laid out what I have. A week later he circles back and tells me that he is going to go with someone else who is going to pay him more. I was pissed. But I learned something. I learned that I want exclusivity agreements and I want non disclosure agreements. If we are going to talk deals I don’t want you shopping me such that I put other strategies on hold waiting for your response.

I also don’t want to be exclusive to you such that if I decide to go a different way that we have to pivot and you can’t expect me to hold a deal open without compensation. In business this is called an option. Usually things like this are structured as a letter of intent or a term sheet. We sign the doc that lays out the negotiation and then we close. In the event that you walk, I have recourse. Contracts are a business mans best friend.

That there wasn’t a loss, it was a lesson. The deal must go on.

At this point in my business career I’m taking all action. If I win, ill win but if I lose, ill win. No more playing defense.

One of my favorite quotes is that “if you aren’t rich or bankrupt by your 30th birthday you aren’t really trying”. Many of us fear bankruptcy but live broke. If you live broke you are already bankrupt you just don’t have the court ruling saying so. Bankruptcy is no more than a court order declaring your brokenness. So if you are broke what are you holding onto? Ego? Shame? In the words of President Donald Trump: “What have you got to lose?”

One thing I noticed about all the wealthy people who made their money during the real estate boom is most of them are back on top now. They are back and they are better. Getting rich once, even if they lost it, gave them the mindset of the bounce back.

So at this point in my life I’m going all in. I am not holding back and I am pushing forward. 10X. Anything less won’t get me what I want. Defending brokenness will only keep you broke. What are you holding onto?

At this point, I realized that it doesn’t even make sense to hold back in fear. One of the things I am in fear of is the multi family and rent bubble that is forming. There are just too many people investing in multi family who see it as the for sure way to get rich. Yesterday I ran into an old mentor who I spoke to about investing way before I owned anything. I told him all the things we are doing now, which I think are ahead of the game, and he told me he is focusing on multi family. I was a little upset.

You know a crash is imminent when idiots become investors – Robert Kiyosaki

I am upset because a lot of newbies are getting into multi family syndications. People who don’t have finance backgrounds or who have MBAs just folks touting the standard hype and jargon. NOI, Cap rate, etc etc. This is prime for a crash.

With that said, yeah multi family might crash but if you bust out at least you lived rich. Even though I can spot the bubble am I wise to pass up on a plan that could get the fam rich? Especially when I don’t actually KNOW KNOW? Instead of holding off in fear of the bust out go forward and trust that YOU will find a way to get it. Multi family is in a bubble but there are still other exits that are available. Even if the market tanks you can still condo out the units. There is always a way to make money in real estate.

We can all find the danger in a plan. We can all find the ways that it wont work. We can all cry “recession, recession” but none of those things get you rich. What gets you rich is being willing to bet it all and lose. Whatever money you are holding onto isn’t real money anyway. 10k, 100k, even a mil. That isn’t generational money. Holding onto non generational money isn’t helping anyone. Let that baby money go and boss up. This part of my life is called: Get rich or die trying. Be great.

Enroll in 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

Mission Over Money

Too many people are going into business for money. Not enough people are going into business to change things. This is a problem. It is a problem because then we create a bunch of useless products that don’t help people. We charge a lot of money for them and then we sit around wondering why we don’t get “support”.

It is a problem because we spend all our time building useless glamour businesses when we need to be curing our water issues or solving poverty. We build businesses that make us look good and we ignore the businesses that are good for us. Then we go out and protest for other people to do the things that are good for us. This is backwards.

When I was a child I would start businesses to make money. I have sold t shirts, promoted parties, washed cars. I would try to create demand where there was no demand. Now I solve problems for profit. The preexisting need is the demand, it is the market. Then I let the demand for that product dictate pricing. This is how the science of business should be done.

In all this, I have also found that by solving problems you create a built in WHY. When Apple started their business they wanted to make easy to use beautiful products because most computers were boring and difficult to operate. Microsoft wanted to create affordable computers because most computers were overpriced. Nike wanted to inspire and create better shoes for runners. Under Armour wanted to create better products that helped athletes perform better. Four great companies, none of them have a mission of making money.

A lot of people who don’t understand business, or who have a perverted idea of business and capitalism think that big business is what people mean when they speak on capitalism. That isn’t what I am referring to. What I am referring to is simply solving the issues in your community. If you need better schools, start a school. If you need better policing, start a private patrol. If you need healthier food, start a restaurant. Solve your problems with business. People will tell you that you can’t do all of those things. I have personally had people tell me that we can’t start schools. Or that we can’t have a private police force but then you look around and see other communities doing the very things we think we can’t do. The problem is not that things aren’t possible, the problem is that we think they aren’t possible and that thought does the limiting, not your circumstances.

The beauty of being black in America is that we are sitting on a gold mine and that gold mine is our never ending list of issues. All you have to do is solve one black problem and boom, money money money money. But don’t skip over the solving for the money, you will end up with no money and the same problems that you started off with.

Solving problems builds more wealth than real estate

In solving problems you become focused on the problem not the money that comes. In solving problems you create that need based business. If you are starving food isn’t a luxury it is a necessity. If you are freezing, gas and heat aren’t luxuries they are necessities. Both problems, both needs. So I think the “needs based business” idea is great but you find the need by finding the problem.

Another thing, please lets stop oversaturating a market. Just because that idea worked for one person doesn’t mean its the only thing that can work. We have to get away from the scarcity mentality of there only being a few ways for us to make it that has forced us all into music and entertainment. The truth is that we are dope at whatever we do, not just sports and entertainment. This means that if we decide we are going to make tacos we can have the best taco line out if we focus on the tacos and stay in our lane. This means that if we decide to make shoe laces we can make the best shoe laces out. We are a powerful people not a limited people.

In all this though I want you to get on the mission of solving that issue. Not pointing at it. Not protesting it. Not begging for other people to solve it. Too often we want to celebrate the discovery of the problem:

Yall: “well did you know about red lining”??

Me: “Well did you start a bank or community fund to fund your own?”

Boss up and build your own. Building your own is the sauce. Building your own is the why. Building your own is the mission. This will drive you, this will attract people to you. In pursuing that WHY you must be willing to do whatever you can as much as you need and in whatever form. For me, I stay in my business and real estate lane. Every business is business and real estate related. This allows me to have so many different brands and logos because they stem from my why and my why shines through.

That said, you will come against competition in pursuing what you do because people will see you getting money. They are too lazy to create their own so they will copy. IN doing this, STILL maintain your why. Work on your why because they will soon fall off. They wanted to create LLCs they didn’t want to build a black business community. When they realize that it isn’t as easy as the why focused person makes it look they will soon fall off. They didn’t have the fire they just were looking for a short cut to paper.

Jeff Bezos said the secret to business success is to be mission oriented not mercenary oriented. Long term success. 20 years in business success. You get there, I get there, we get there by doing what we do even if we don’t get paid for it. That is how dedicated you must be toward your WHY. They always say that if you would be willing to do something for free that is the thing you should do for life well the same is true in business. Get in a business that you are so passionate about that you would do it for free and when you find that business you have found your why.

People who do things like that create better products and they give better service. People who do things like that become the market leader. People who do that create businesses that never die.

Enroll in 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

The amount of shares isn’t as important as the quality of the company

This week on the cigar talk an investor from Detroit came on and started talking stocks. It was a great conversation.

During this conversation though he brought up a stock in a marijuana company that you could purchase for a low price. The way he put it was that you could buy 240 shares of a company for only $40.

This statement drew in a lot of interest. Everyone wanted to know what company this guy was referring to. They too wanted 240 shares!

When I heard the statement and saw the interest I knew this was an issue. People were equating the amount of shares with the value of the investment. This is a problem.

For the record: The amount of shares that you own does not matter. The amount of money that you invest is what matters.

First and foremost, in stocks, as with anything, you usually get what you pay for. A cheap stock is cheap for a reason. An expensive stock is expensive for a reason. To quote WB, Warren Buffet, “it is better to own a wonderful stock at a fair price than a fair stock at a wonderful price”. Your goal should be to find quality companies, not cheap prices, unless you are getting a cheap price on a quality company. Cheap trash is still trash. A lot of cheap trash is still trash.

One mistake I made when I was a young lad was I would buy a lot of cheap stocks because I looked at stocks as lottery tickets or as individual bets. I figured the more stocks I had the better chance I had at winning. The problem is that if you put $1,000 into cheap stocks and $1000 into a expensive stock you still are investing $1000.

For example: If you buy 100 $10 shares of a company vs one share of Amazon you could be making a bad bet. The investment is the same investment but Amazon will be here tomorrow and for the next decade. Your $10 company could be on its last leg.

I know people who bought shares of GM when they were selling for pennies only to have GM go bankrupt and they be left with NOTHING. Cheap stuff is cheap for a reason.

As I stated before, price indicates quality. It is tempting to chase penny stocks and I chased them too but those are not investments. Those are in fact lottery tickets. You might make money but you will likely lose it.

So the “a lot for a little” mentality SCREAMS immaturity. It SCREAMS that you don’t know what you are doing and it is an early indicator that you will lose everything that you have. I encourage you to buy quality, for the long term even if it means you might only own five shares of Apple vs. 2000 shares of that unknown tech stock, or worse, that crypto currency.

Buy quality and continue to make more new money and buy more quality. Don’t focus on the price of the stock and the amount of shares you can buy as much as you look at the quality of the investment. I promise you, that is how the pros do it.

Enroll in 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

The business of marriage

Last night I sat down with my wife and broke out the entire business for her. I showed her the property management software backend. We got her set up as a user on the property management email and I introduced her to the platform we use to manage our investments. For her, this is great, high level, experience as she is getting her real estate license and now effectively running a property management company that I handed to her. The plan is to get her out of her job by building a business to support what we are doing.

As my business has grown a lot of people have begun to splinter off and start their own projects. They have taken a lot of the knowledge I have shared with them and instead of doubling down on the Todd Capital organization they have desired to just be their own man. Kudos to them. The way I pivot is by bringing more of my operation in house. Depending more on family.

What I have found is that the marriage and family partnership is the hack that we have all been looking for. I have found that this business has allowed me to save my family and get my wife out of the job. If you are going to create opportunities for anyone it should be your family. Build a business that saves your family. Nepotism is the American way. Nepotism IS generational wealth.

I have come up with a few reasons why your life partner is the best business partner.

Combine and conquer

We all go to school, get an education and then take our talents out into the world to build other people’s assets up. That business is someone’s asset and the harder you work the wealthier they become.

Instead of doing this, it would make sense to keep our talents under one roof and build your own asset column up. Build one business not two separate jobs.

Another thing about this combining effect is that on the job it is just you. You have to become all things. Your flaws are magnified and your strengths are belittled. In business as a family you can focus only on doing what you are good at.

Another thing that makes the job focus detrimental is that jobs are individualistic. On your job your wife can’t come and help you work there. Likewise, on her job you can’t come in and help her. Two people can’t build a career but they can build a business. The thing is that you are still the same people with the same education and experience.

I think that one other key point here is that when two or more come together an additional person emerges. Another is that on your job you likely aren’t giving all that you have. A lot of people hold back on their job because they know its not an equal exchange. This will ruin you financially and career wise.

If you compare your half self to your whole self plus the extra power that emerges via teamwork you realize you can go a lot further together working a business than separately building someone else’s. Instead of dividing and getting conquered, combine and conquer.

It is permanent

A marriage, unlike a dating relationship, is permanent. This gives you a hidden connection in business that goes deeper than just lust. We are committed as life partners and the business just supports the fact that we are doing LIFE, not the moment, together.

This speaks to the topic that will be addressed later but one of the dangers of dating is that you are dating someone that is dating others. In marriage this is not the case. Imagine putting a ton of energy and effort and finances into someone that is putting energy and effort into other men. That would be a bad investment. Dating is a bad investment. Marriage is a great one.

The permanency of marriage allows you to give all of you to that marriage knowing that as you add value to the marriage you add value to your own wellbeing. The key takeaway from this section is that its tough to build with people who aren’t committed to you. Time is precious and you don’t want to waste time pouring into someone who can leave tomorrow.

This will cause you to hold back, not reveal everything and always be looking over your shoulder. Your family can do a lot of things but they can’t disappear on you with your business idea. This alone is worth millions. Keeping your secrets with those that are committed long term by force opens up the door to much wealth.

There are no ulterior motives.

When we started the investment club a lot of people joined, not all of them joined for the pure motives I had. Many joined to steal ideas and use them as their own. Many joined to gain access to that network. The worst are those that came in and then built a Todd Capital clone without including Todd Capital. This is bad for business.

In marriage the person is and should be 100% vested in what you are building. This alone can maintain the integrity of the build and allow you the man at the top to be even more open to your partner.

Knowing that you are dealing with someone that won’t steal your ideas is invaluable.

When you win they win

Marriage gives you the security in knowing that if they lose, you lose and if you win they win therefore the relationship is more pure. Every time I won in real estate last year we did something nice for my wife. So the business success is her success. We are on the same page and the same team. This is key. It is key because now you have someone backing you and not just riding with you so that they can get something out of the deal. The “get something out of the deal” is implied.

I don’t believe that business is adversarial but many people do. They are looking to take advantage of you, overcharge, under perform and do scammy business. With a life business partner you don’t have to worry that the person will kill your deal to come up because if the deal is crap they lose too.

Full disclosure and transparency

I was talking to a man from Africa about what it takes to get rich. he said you have to know something that other people don’t know. In some ways, my oversharing has brought competition into my space. By doing videos and podcasts and blogs about our process I created a red ocean of investment club copy cats. Not anymore.

I always tell people that where we invest isn’t the sauce, the knowledge of getting to where we are is the sauce. What do I mean by that? I mean that the financial education that I possess is what allows the ship to run. That education helps us navigate things strategically.

It is no coincidence that we see the most successful business people on the timeline are married couples moving as one. This is because of all the things I just talked about above. I was talking to Erica and she mentioned that she is having issues as a woman dealing with truckers and she wishes she had partnered with a man at times. On the other hand, there are customer service issues that I deal with where I can’t talk to people because I am rough and abrasive where a woman’s touch could come in handy. The key is that marriage builds this into the mix. Marriage gives you the strength of the man with the touch of a woman. We complement each other we don’t need to compete with each other. Business and marriage is the hack. I look forward to seeing where Todd Capital goes as my wife becomes more integral to our business.

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

Combined energy, exponential results

Good Business is the Best Business

This is a quick blog to encourage all you black business owners and investors to do straight up business. A lot of people are looking for the quick buck, the come up, the something for nothing. that is not a good way to do business. you might make a few dollars but you wont get rich.

Apple didn’t take advantage of people to make trillions, amazon didn’t take advantage of people to make trillions, yet here you are, making thousands and trying to take advantage of everyone. this is short sighted, it is ignorant and it will not last.

A lot of people ask me how they can set up a corporate veil and umbrella corp with sub LLCs. They ask this because they want to avoid liability. This is a silly question because most of yall don’t have any assets to protect and because the best way to avoid liability is to do good business.

If you do bad business they are going to get you regardless of if you have an LLC that you function through. Lawyers are good at what they do. I know this first hand.

So yeah, charge fair prices, over perform and build your company brick by brick. I have been able to build Todd Capital up because those are the things we do. We are ultra transparent, responsive and we over perform. If you do those things the money will take care of itself. If you do those things people will be begging to give you money.

We don’t need a community of tricksters and hustlers. We need a community of respectful business owners who do the right thing when nobody is looking. Please play the long game and not the get it quick game. Your kids can’t inherit your scam. Scams and generational wealth have nothing to do with each other.

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

Diversity and Inclusion Make You A Pawn

Guess what yall. Inclusion and diversity and all that stuff isn’t your plan. It is their plan for you.

A plan to include the best, brightest and most productive in their plans while you leave the rest behind. One of my favorite quotes on negotiating is that a master negotiator gets the other party to want to give them what they wanted in the first place. In a lot of ways I see this happen all the time. Specifically in race in America. An obvious example is integration. They integrated the dollar but they didn’t integrate you. Another was the BLM movement which turned into the put white people on a pedestal movement.

You thought you were getting progress but the only thing that progressed was them.

In terms of diversity and inclusion, the push for “inclusion” and jobs is just how immigration in America works. We allow the most productive, most educated most valuable to move into the America. Since black folks already exist in America, our form of immigration is being accepted into their spaces at 3 and 5% while the 95% of the rest of us suffers in poverty. Diversity brings in low numbers but it is often the best and brightest. They get great talent, you get to celebrate the first black person to do x. Fake victories promoted as grant accomplishments.

This is great for the few selected. But terrible for those that aren’t. Not only are they left behind with nothing but a hope and dream of inclusion they are also robbed of their leaders, their thinkers, their planners and doers. They are robbed of the people that could change things for all, because those people took their talents to south beach.

The point of this post though is that the 3-5% that get included, don’t get dropped in at the top. They get to play their role and just participate. But they aren’t running the show. They are a pawn, used as a symbol of diversity without actually diversifying things.

The thing about being a pawn is that you will never become a powerful piece on their board. There are a few that can but that is very few. Only so many Lebron James’ make it across to the other side to become a powerful piece. The odds are not in your favor.

Another thing is that being a pawn on their board and being a pawn on a board built by someone who looks like you are two different things.

The motivation for this post was an article that came down my timeline that spoke on the lack of diversity in big law. It was a four or five point article with “solutions”, none of which included “build your own firm”. I was disappointed and I began to think. Even if they get “diversity” and “inclusion” is that truly success? Are the things you are aiming after going to really get you want you want? I believe you must always begin with the end in mind. A lot of people are looking at where they are now and they just want to feel better in the now. they don’t map out the goal and then reverse engineer to the present. If your goal is YOU the individual, then maybe inclusion might work. But if the goal is to progress the entire black community, saving 3-5 or even 10 percent of us wont do that.

I challenge you to think bigger than YOU. Think bigger than YOUR bills and start thinking community thoughts. A community solution might be “build your own” and less “please include me”.

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

What is the best way to build generational wealth?

I get this question every single day. This question and also the question about how sophisticated someone’s corporate structure should be. Or they want to know the ROI we get in the investment club. All of these are the wrong question. They are the wrong question because they are results oriented and not process oriented.

Success does not follow “setting up your LLC in Delaware”. Success does not follow the end result of an ROI. Success follows you getting in the mud and doing the work. Engaging in the process of being an investor not a passive somebody on the sidelines looking for who can give you the most ROI. Get your own damn ROI.

I am here to tell you that your parents didn’t do everything right and then fail to pass down generational wealth because they didn’t create their LLC in Delaware. Your grandparents didn’t spend all their money buying the wrong assets with an ROI that was too low and then fail you because the made 10% when they could have made 12%. You didn’t have any wealth because they didn’t do business and they didn’t invest. They didn’t engage in the process.

My favorite Gary V quote is “get started and get fancy later”. Why? Because peoples’ biggest hurdle is the fear of getting started. We use fancy (and planning) to procrastinate. We use fancy to jump over the doing, the promoting, the cold calls, the driving for dollars the sleepless nights. We use fancy things like auto dialers and virtual assistants to get us to the result without the actual process. This is a problem. Because people who avoid the process often don’t get the prize. And even if they do get the prize they don’t have the skills to keep it!

I was thinking about the book the 10X rule recently and about how you have to take on so much action. You have to blog and podcast and YouTube and etc. Everything to build your personal brand. You must become omnipresent. The reason why I like it is because it keeps you from thinking that there is one silver bullet that is the key to success. You have to do it all and you have to do a lot of it. A lot of people emailing me or texting or calling or @ing me are looking for the silver bullet that lets them skip over the work. Welp, no sir, you get to do the work and you get to do a lot of if.

This morning I came across someone asking where they can find $900 rents in Detroit, as if $900 is some magic number that makes the deal work. Again, results oriented not process oriented. Just crazy. Another fake barrier. This is why people who come to me asking my investment criteria also piss me off. Like bro, my criteria is that it makes money. If it makes a buck that is a buck more than I had before. Certain peoples’ investment criteria is just another fake barrier.

So with that said, I want to encourage you to take action, any action, and stop putting up fake fancy barriers in front of you. A property that cashflows $50 is better than a property that doesn’t cashflow. An LLC in TX can do the same thing an LLC in Florida can do. A 10% ROI is damn near the same as an 8% ROI. What matters is not what we do in the moment but what we do in perpetuity. What matters is not that we get the result as much as we engage in the process. Get started. Get fancy later.

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

Create an Asset that Buys Other Assets

Last year I did something crazy. What I did was I stayed broke. I stayed broke, but I generated a ton of income and revenue.

What I was doing was I would generate a ton of money through my consulting company, courses and other things and then I would immediately get rid of the money. I would put it right into the stock market.

By staying broke I was motivated to get back out there bringing in clients and then by rapidly investing the money I was able to always have new fresh capital to buy more lows and take risk with.

It is no secret that working for yourself and being a business owner allows you to make massive amounts of money not the pennies they give us from a job. But the hack here is to use that business, that massive income to fund your investments.

Like I always say, if you are smart about your cashflow your tenants will become your best investors. For us, we stack every dime of rental income, now we have cash to buy another home. We didn’t have to work, save, build our credit to get this new home that will pay us 800 a month, all we did was buy the asset and let the asset buy later assets.

I don’t think you all can truly appreciate how powerful that is. We went from no assets to having assets come to us just for the sake of owning assets. Not by struggle, sacrifice or grind. Not by begging a lender, not by doing anything. This is what wealth looks like. You can’t get rid of wealth.

I was talking to Ericka Williams one time on a friendly consultation call. She explained to me that the borrower you are at deal zero is not the borrower you will be after you acquire deals one and two. At that point you are yourself plus your assets. You are then able to do even more. The income, balance sheet etc all factor into making you more lendable.

What I did was I created a business that funded my investments. Instead of using my working income to invest in the stock market I allowed my business to do it. This allowed me to throw thousands a week at opportunities when many work all year and barely have a thousand to invest in an opportunity. A business will get you to your goals a lot quicker than trading time for money.

So the point of this post is two-fold. 1) buy assets, 2) let your assets buy your later assets.

The true value is in what you own not in what you can generate from your working income. I have cracked the code. This is how the rich get richer. After a while you are playing with house money and house money is never ending.

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

When Did We Start Turning Against Each Other Because of Political Views?

There are people that think that since I voted for Trump that I am racist and hate black people, women and immigrants. My response to that is “have you seen my body of work?” The mere allegation that a business person, who talks about business online and in person 24/7 voted for a man because he hates people is absurd. I want to brag on myself though so here are the things I have done and am doing for black people:

  • In the past year in a half I have helped about 150 black folks start their business.
  • I have created about 500 stock and real estate investors.
  • I drop content nonstop highlighting black success on my podcast and I am always highlighting our achievements and our doers.
  • I share ads and content that promote black excellence daily
  • I am a part of team of investors that created the blackerpockets platform to educate people interested in real estate investment.

But since I identify as a Republican that means I am a bad bad man. If you knew your history you would know that most of your favorite or most successful black political leaders were Republicans. It is possible to be a Republican and love black people. The older I get the more conservative I become.

I bring this up because the question “when did your political views determine that you are a good person or bad person?” floated down my timeline and a lightbulb went off. It went off because it is true. People automatically assume Republicans hate black folks and Democrats love black folks. We think that the people who give you everything and keep you dependent on them are the saviors and the people who encourage you to get it yourself are mean evil people.

As I write this I am reminded of the father mother relationship. My mother allows us to float along, she is the female, she coddles and is more liberal. My father, step father and father in law would be deemed the Republicans, they want you out and getting it because they know you can do it and because they know that laying up on moms will not get you where you want to go. I think both are necessary as I will discuss later in this post.

I often get called a hater because I am not nice. I have zero tolerance. I am my father. I don’t believe in coddling you. I am holding you to a higher standard, pushing you to do what’s not comfortable and by forcing you to get it yourself instead of waiting on the government that I don’t want the best for you. I see your issues and I still tell you to perform. I see you good reasons and I tell you that nobody cares because guess what, nobody cares. I am not saying your problems don’t exist I am telling you to find a way and to do it despite limitations. That is just what winners do.

If we are keeping it 100, most black folks are democrats in name only. Most of our views, ideals and principles are conservative. Only recently since people are going away from church and getting more and more miseducation via advanced degrees are we drifting towards liberalism. Our ancestors, however, were conservative.

The question becomes though, who is actually FOR you and who is actually against you? We tend to exist in a culture where we think that things that are FOR us are actually against us. We have been brainwashed via media and miseducated via our schooling. We believe that the government handout is the savior. We believe that the free lunch is the way. I disagree, but that does not mean I don’t want the best for the community. I want you to learn to fish not be given fish. Actually I want you to own the damn fish farm, anything but the free fish. Despise the free fish.

To take it a step further, I even go as far as promoting those who literally do not like us. Because I believe in our greatness. What I mean by this is that hypothetically speaking, lets say Trump doesn’t like black people (which I don’t believe is true). I have found that our people are resilient and capable. Don’t believe the HIS-tory and miseducation. We perform in the face of adversity.

Please understand that we are builders, we are doers, we are capable.

Those parts of our history were just conveniently omitted. We have a history full of low lights disguised as highlights while they have a history of triumphs that conveniently omits or retells their not so glamourous aspects. This is why I tell the stories I tell on my podcast. If not for those guests, most people would think that nobody was doing what they aspire to do because they only see Lebron and Jay Z on TV not Ayesha Selden n nem.

I am Republican because I would rather someone show that they hate me and I can adapt and work than lie that they are for me while they get me to do nothing, or worse, things that are framed to be in our best interest but that are actually in the interest of the opposition.

I have been making moves despite people not liking me my entire life. I don’t need you to like me to progress. You will respect this work. We must all strive to be valued based on the body of our work not just the content of our character. We are born equal but we do not remain equal.

What you should want is power not people being nice to you, or policies in your favor. Power is the ability to get things done despite resistance. Other communities don’t care about laws they care about power. What I mean by this is eff redlining, eff Jim Crow, eff all that. With the right mindset those become your super power to create your own banks and accumulate the wealth that banks accumulate. Jim Crow turned us into business owners because we didn’t’ have the ability to go elsewhere and spend money. What was meant to hold us back actually propelled us. When those “restrictions” were lifted our top athletes left our leagues and our top talent left our communities. This is why the ghetto is the ghetto, it has been looted of its best in brightest in the name of fake progress and opportunities, promoted by liberals.

When was the last time you saw Asians in the street waving signs or Jews complaining about wages? They don’t complain they compete and create. That is what liberals rob you of. You have been neutered to believe that they are your savior because being the savior pays well. The person who saves gets the accolades. That is why I want you to save yourself and capture the wealth that accrues to the savior.

Back to the idea that you have been mislead into thinking losses were actual wins. An example would be the feminist movement. The feminist movement got black men out of the house while white women went back home to hubby. The civil rights movement pushed for integration when the only thing that got integrated was our money. These days segregation is more prevalent than ever. Communities across the country are divided by race it just comes in the name of wealth and affluence. Thsee are all things that liberals pushed that looked like progress but actually set us back. Who is really for you? Another liberal policy is the whole government entitlements and handouts that h

I think that we all want what is best for the culture. We just go about it different ways. I think that both views are necessary. I think that a good compromise between the two would be ideal. Instead, in this cancel culture that we live in we are quick to shut down and drag someone who says something that we disagree with. This is dangerous and unproductive.

The cancel culture must be replaced with conversation culture. Where instead of shutting others down we sit down, learn and build a plan that takes both sides into account. This is the responsible way toward progress because we can’t move forward as a unit with a divided group.

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