7 Years in Pharma until I Escaped the 9 to 5 | I Help 249+ People Build Financial Freedom ($29.3M+) by Passively Investing in Multifamily Real Estate

Concerned with the sobering reality that you're not on track to provide for your family.

No one to turn to develop a strategy to help. I get it, and that's why I am here for you.

Everywhere you look, people appeared to have mastered their finances, and yet no one talks about money or helps. 

Being in this situation is confusing.

In 2015, I was confused.

I had an average income...

and a high expense lifestyle. 

I viewed it as normal.

I was not on track.

Why do I share this?

Because it's a honest, simple and powerful realization that most people don't reach.

This reality is true for a lot of us, irrespective of income.

I say this backed by anecdotal evidence.

Everyday I help people redefine their relationship with money. 

I've done it for 277+ people. 

Making them $14.9M+ since 2018.

Growing their net worth by $31.9M+.

And the average client has a similar story. 

Looking to make money, but doesn't know where to start.

And no time to figure it out.

And so, I help people build financial security.

Using the tips and tricks that I've done for myself. 

I help people that are: 

- Tired of paying too much in taxes
- Confused with how to manage their investments
- Unsure how to grow their business
- Flustered with the myriad of options   
- Overwhelmed with where to start

Nothing is more important to me than adding value to those around me. This is why I actively work to understand pain points and how to turn them into the foundation for people to scale. 

What I do isn't for everyone. If you think we might be a good fit, contact me:

📞 https://calendly.com/mustafal/15min

📧 ml@velocecapital.com

Disclaimer: Please note that past performance is not indicative of future results and investing involves risks, including the potential loss of principal. There are no guarantees in any investment. Content is for informational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security. Any forward-looking statements or forecasts are based on assumptions and actual results may differ materially from those expressed in such statements.

Before investing, carefully consider the investment objectives, risks, charges, and expenses of the investment product or strategy. Each investor's financial situation and investment objectives are unique, and the information contained herein may not be suitable for all investors. Prospective investors should consult with a financial or legal professional to determine the appropriateness of any investment in light of their individual circumstances.

Mustafa Ladha

Here’s what no one tells you about money 

The most expensive thing my work costed me wasn't money.

It was bedtime with my kids.

I was home.

But I wasn't there - mentally.

Laptop open. 

Slack pinging. 

Mind on scaling.

My daughter would say goodnight.

I'd mumble something back without properly looking up.

That's not presence. 

That's proximity.

Your kids won't remember every lesson you taught them.

They'll remember whether you were there.

Not every rule.

But how safe they felt around you.

Not every explanation.

But whether you were patient when they were struggling.

Presence builds a kind of security no textbook can replace.

After helping 277+ investors build passive income, I've noticed something:

The ones who stay committed aren't just chasing a number.

They're chasing a lifestyle.

One client used to miss bedtime three nights a week.

Now his passive income give him peace of mind.

He crushes it at work.

And has the security to be home by 6.

Same job. 

Same title. 

Different mindset.

That's what financial freedom actually buys.

Not stuff. 

Not status.

Time with the people who matter most.

If you're earning well but still missing moments that matter DM me "PRESENCE"

Let's build a financial structure that gives you back your time.

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From 9–5 to Financial Freedom | Helping 277+ People | Generated $14.9M+ in Passive Income & Increased Net Worth by $31.9M+ | Learn How You Can Too

Here's what no one tells you about money

Chasing money keeps you broke.

In 2016, I got my first "real" job.

Prestigious company.

$42,000/year.

I was 22 and obsessed with one question:

How do I help people at scale?

Here's what didn't help

Comparing myself to people making more.

Because comparing doesn't give you a plan.

Doesn’t give you actionable steps. 

It just gives you anxiety.

So I took advice from someone 2–3 steps ahead of me:

"Optimize for growth, not salary."

Life changing advice.

It can seem simple 

But it changed everything.

I spent nights learning to underwrite real estate deals.

Took calls with investors and real estate professionals

Reviewed 100s of opportunities before finding the right one... before saying yes.

Built relationships with people who saw potential, not a resume.

Within 5 years, my income and trajectory looked completely different.

Here's what drives me:

The fulfillment of actually helping people where it matters most...

Building financial stability 

Helping people build wealth 

So they don't have to trade their time for money.

This passion led me to create passive real estate opportunities.

Help 277+ investors make over $14,900,000+ passively.

It also pushed me to teach personal finance in a simple, real-world way.

I'm not a financial advisor.

I'm not from a finance background.

I'm just someone who built it for himself — and now helps others do the same.

If you're early in your career and feel behind, here's the shift:

Stop asking "How do I earn more than them?"

Start asking "What skill would change everything for me in 12 months?"

Questions like this built my career.

It can build yours too.

If you want my simple framework for growing income + building wealth without making your life more stressful

Comment or DM "GROWTH"

Here’s the crazy thing about personal finance

Sometimes it’s illogical 

Here’s what I mean

I have a client that’s living rent-free.

And he wants to give it up.

He sold his home in New Jersey

Moved to Texas, 

And invested with me.

His investments make him ~$56,000/year.

Passively.

His rent is ~$48,000/year.

His portfolio covers his housing — and then some.

Now he wants to pull everything out and buy a house, all-cash.

Sounds illogical.

Or smart...

Depending on your perspective 

On paper, it's a downgrade.

He'd be trading an income-producing asset that pays him

For a non-income-producing asset that has taxes, insurance, and maintenance.

On the other hand 

He's swapping cash flow for certainty.

And I get both sides of the story

There's real peace in knowing nobody can raise your payment, 

Nobody can foreclose, 

And you don't owe anyone a dollar.

That peace is real.

But most people chase "debt-free" without pricing what it actually costs:

1. Less monthly flexibility.
2. Slower compound growth.
3. Fewer options if life changes.

The right question isn't "Should I buy a house cash?"

It's "What am I buying... and what am I giving up?"

Because if your investments already pay for your lifestyle, 

Selling them might feel safer 

While quietly trapping you.

Freedom isn't just owning something outright.

It's what that ownership empowers you to be able to do.

If you're thinking about using a big cash pile to buy a house outright, DM me "CASH."

I'll help you see what you're really trading.

If it triggers you, it's probably the truth.

If two missed paychecks would break your life, you are not okay.

You are in danger.

I'm talking about you, reading this on your lunch break or in the car.

Check yourself:

Your salary lands......and within days it's gone to rent, fees, debt, stop orders

Your chest tightens when HR sends a 'quick calendar sync'

You tell yourself it's fine, I'll fix it later - and another year disappears

From the outside, everything looks polished.

But if your salary stopped for 60 days, what happens?

-Do you start swiping credit cards to survive?
-Do you call family to borrow just until things settle?
-Do you downgrade your kids' school, your plans, your life?

That's not bad luck.

That's a system built on one weak pillar.

And here's the brutal part:

You don't control that pillar.

One decision in a room you're not invited to.....and your stability is gone.

After helping 277+ people generate $14.9M+ in passive income,

I've seen this pattern too many times.

-The fix isn't another budgeting app.
-It isn't spending less this year.
-It isn't waiting for a bigger bonus.

The fix is building income that keeps coming when your salary doesn't.

One client came to me exactly like this - high earner, two weeks of runway.

18 months later: $6,200/month in passive income from real estate.

Same job. Same salary. Completely different foundation.

You don't need 20 doors.

You need enough passive income that:

-One HR email
-One health issue
-One we're going in a different direction

…doesn't flip your whole life upside down.

If this feels uncomfortably accurate, don't just scroll.

DM me ENOUGH.

I'll help you:
→ See exactly how exposed you are today
→ Work out how many calm months you truly have
→ Map one practical, hands-off real estate path to actual stability

Two paychecks shouldn't be the difference between your life and chaos.

Here’s the simple reality most people ignore...

2025 was the year you learnt

2026 is the year you take action.

Most people don't lack information.

They lack implementation.

After helping 277+ investors generate $14.9M+ in passive income, I've seen this too many times:

Another year passes.

More articles. 

More "I should really do something about this."

Same position in December as January.

Not because you're lazy.

Because planning feels like progress.

Spreadsheets built, but never used to make a decision.

Notes on opportunities, but no actual capital deployed.

Real progress is usually 20% planning, 80% action.

One client spent all of 2024 researching.

Zero investments.

In January 2025, she made one decision.

Asked the right questions.

Took a modest first step.

3 hours of planning. Then she took action.

By December 2025, she was generating $4,100/month in passive income.

Same person.

Same knowledge.

Different year.

Because she finally took action.

You don't need the perfect strategy to start.

You need a step that's proportionate to where you are right now.

Here's the math that should bother you:

Every month you wait is $400-$800 in passive income you'll never get back.

Not "might miss."

Will never get back.

12 months of "I'll start next quarter" = $4,800-$9,600 gone.

Not lost to a bad investment.

Lost to no investment.

That's the cost of waiting.

And it compounds — against you.

So here's my ask:

Stop researching. 

Start a conversation.

DM me "Action" and I'll send you the exact 3 questions I ask every new investor.

Takes 3-10 minutes to answer.

But it'll show you whether you're actually ready — or just comfortable planning.

December 2026 is coming either way.

The only question: Will you be in the same spot?

Most people don't lose trust because they ‘mess up.’

They lose it because they show up with an agenda.

On my podcast, Joshua Wilson said something I’ll remember:

Love is spelled T-I-M-E.

Not gifts. Not words. Not ‘checking in’ when you want something.

Time.

And honestly.....this applies to business even more than people admit.

Because a lot of ‘relationship building’ is just a nicer outfit for the same thing:

Hunting

If your warmth disappears the moment they don't buy...
If your follow-ups only happen when your pipeline is dry…
If the ‘care’ is tied to a transaction…

That wasn't a relationship.

That was a strategy.

And people feel it.

Not because they're cynical.

Because humans are wired to notice when they're being used.

Time is the receipt.

It proves intent.

You can't fake it.
You can't shortcut it.
You can't ‘value add’ your way out of manipulation.

Real trust gets built in moments that don't benefit you immediately:

When you follow up and there's nothing to sell.
When you help without keeping score.
When you show up the same way whether they buy or not.

So I use one filter before I reach out to anyone:

Would I still show up if they never bought?

If the answer is no…

I either change my approach, or I stop calling it a relationship.

Trust builds slowly.

And then it compounds.

What's your tell when someone is building a real relationship vs chasing a sale?

🎙 Podcast Host | Executive Producer | Topics: M&A IPOs SPACs Raising Capital Investor Relations | Family Office Private Equity & Institutional Investor | Series 79 & 63 Investment Banker | FL Real Estate Broker

The beliefs I grew up with nearly broke me.

As a son of immigrants, I was molded to believe:

1. Hard work is the only path forward
2. Taking breaks is weakness
3. Whatever I do isn't good enough

These beliefs built my career.

They’ve helped me scale beyond what I thought was possible. 

But, they also created blind spots.

I reached a point where I'd come home exhausted

But I didn’t understand why

I wasn't doing physical labor.

I was just thinking all day.

Eventually I learnt what was going on...

I was experiencing decision fatigue.

Your brain actually gets tired from making too many choices.

I dismissed it at first. 

Sounded soft.

But the evidence was hard to ignore.

I was home with my kids but not actually present.

My body was there.

My mind was still solving problems.

I started watching people I respected - high performers who seemed to have more hours in the day than I did.

They weren't working harder.

They were protecting their thinking time.

In 2025, I made one change:

Time blocking, doing my most draining tasks first thing in the morning.

LinkedIn content creation? 
I hate it.

So I do it at 6am before my brain has a chance to resist.

Then I take a break to be present for my kids' morning routine.

This shift helped me serve an extra 42+ people last year.

It helped create over $3.7M in value for clients.

And I got to watch my kids eat breakfast without checking Slack.

Retraining your brain isn't fun.

Addressing blind spots feels uncomfortable.

But the compound effect is unreal.

Were you raised to believe rest is weakness?

I'd love to hear how that shaped you.

Comment below or DM me.

Here’s what no one tells you about risk...

And how it made 180k evaporate 

Every decision carries risk 

And usually the only way to understand that is to experience it

Here’s what I mean 

Two weeks ago, 

I shared why relentless learning separates those that build wealth from everyone else.

This is what happens when you skip it.

There is a clear, consistent pattern:

Investments are calm. 

Returns are steady.

People stop paying attention.

Then something shifts.

A project underperforms. 

Rates change. 

Suddenly the investor is scrambling.

Googling terms they should've understood before they invested.

Asking questions they should've asked 18 months ago.

One investor I know fits this exactly.

Smart guy. 

High earner. 

Made his first few investments without much diligence.

Things went well. 

He got comfortable.

Then one investment went sideways.

He didn't understand the capital stack. 

Didn't know he could lose money.

Didn’t know that his investment wasn’t collateralized.

Lost $180K.

Now he studies everything. 

Obsessively.

This experience costed him $180K and 3 years of missed growth.

The strategic investors 

The ones who build wealth the fastest

They don't wait for pain to teach them

They learn from other people’s mistakes, saving time and money.

They find the right mentors, people with the experience to see around corners. 

They learn when things are good - because that's when you can think clearly.

After helping 277+ investors generate $14.9M+ in passive income, I've seen this truth over and over...

Reactive learning is the most expensive kind.

You pay, in dollars and time.

Are you learning proactively - or waiting for a painful lesson?

DM me "PROACTIVE" if you want to talk about building a process to strategically grow

The opportunity looked perfect

Until we asked one simple, boring question:

What if it takes 12 months longer than planned?

Most people focus on returns.

I focus on timelines.

Because in real estate, the plan is rarely the plan.

-Renovations slip.
-Leasing takes longer.
-Capital markets change.

So we run a quick ‘delay test’ before we get excited.

The 12-Month Delay Test:

1. Can the opportunity carry itself for longer than expected?
2. Do we still have options if the refinance isn’t there on time?
3. Does the upside still exist.....or does it turn into survival mode?

When we did this on a recent opportunity, 

A ‘sure thing’ started to look fragile.

-Costs stacked up.
-Timing got tighter.
-And the outcome depended on luck more than execution.

So we adjusted the plan:

-Less leverage, even if the projected return looked lower.
-More reserves, even if the pitch looked less shiny.
-More time, even if the timeline wasn’t exciting.

The opportunity didn’t get worse.

It got more honest.

When you look at an opportunity, 

What do you stress-test first - timeline, rates, or rent growth?

Here’s what you don't realize

FOMO kills more portfolios than bad markets.

The people who quietly build wealth don't have a secret strategy.

They have habits most people skip.

After making 277+ people $14,900,000+, here are the three behaviors that repeatedly show up:

𝟭) 𝗦𝘁𝗲𝗮𝗱𝘆 𝘀𝗲𝗹𝗳-𝗱𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲
They do the boring things

Reviewing their numbers monthly.
Honoring commitments even when it's inconvenient.
Sticking to a plan when it's no longer exciting.

Discipline isn't flashy.

But it’s at the heart of how people aggressively scale.

𝟮) 𝗪𝗵𝗶𝘁𝗲 𝘀𝗽𝗮𝗰𝗲
They time block

Create space to think without noise.

Good decisions rarely happen when you’re stuck in the beautiful chaos of life

Family, back-to-back meetings and late-night commitments.

A few protected hours a week changes the quality of choices over years.

𝟯) 𝗥𝗲𝗹𝗲𝗻𝘁𝗹𝗲𝘀𝘀 𝗹𝗲𝗮𝗿𝗻𝗶𝗻𝗴
They keep learning even when things are working.

Not from panic.

From respect for how quickly the world can change.

The best investors I know read more when they're winning, not less.

You don't build these skills in a weekend.

You build them one decision at a time.

Which one do you need to work on most?

Drop it below — sometimes naming it is the first step.

If you want help building these habits into your investing approach,

DM me "HABITS"

Here’s what most people don’t realize

You're probably wasting time learning about investing 

Here's what to do instead.

Not more threads.
Not more podcasts.
Not more "passive income" ideas.

You don't need more information.

You need to take action.

After helping 277+ investors generate $14.9M+ in passive income, I've seen this pattern hundreds of times:

Smart professionals who've consumed everything.

But still haven’t invested.

Or they’re stuck at one investment.

The issue isn't discipline or laziness.

It's that they lack conviction

They’ve never felt certainty.

𝗧𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 investment 𝗳𝗲𝗲𝗹𝘀 scary.

Your brain screams:

What if I lose everything? 

What if I'm missing something?

What if I need to "research a bit more"?

You reread everything.

You draft questions, delete them, then ask anyway.

You almost pull out twice.

𝗧𝗵𝗲 𝘀𝗲𝗰𝗼𝗻𝗱 investment 𝗳𝗲𝗲𝗹𝘀 𝗵𝗲𝗮𝘃𝘆, 𝗯𝘂𝘁 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿.

You know the process.

You know what it feels like to invest and wait for your investment to make you money.

Fear is still there.

But it's no longer the driving force.

𝗕𝘆 𝘁𝗵𝗲 𝘁𝗵𝗶𝗿𝗱, 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘀𝗵𝗶𝗳𝘁𝘀.

You stop asking: "Is investing safe?"

You start asking: "Does this investment fit my plan, my risk profile, and help me build freedom?"

One client — high earner, had two weeks of savings— made his first investment in 2022.

Took him three weeks to pull the trigger.

By his third investment, he was in within 48 hours.

3 years later: $5,100/month in passive income.

Same person. Completely different operating system.

You're no longer consuming information about investing.

You're operating like an investor.

That shift isn't bravery.

It's momentum.

And momentum compounds faster than money.

So here's the hard question:

If someone looked at your last 12 months, would they see a person thinking about l investing — or a person who became an investor?

There’s a subtle but powerful difference.

If you're earning but still on the sidelines, DM me "MOMENTUM"

I'll help you define a realistic first position.

The best time to start was yesterday. 

The second best time is today.

Speak soon

The best salespeople talk less than you think.


Silence isn’t awkward. 

It’s empowering. 

It gives you the information you need to help.

🧠 Shannon Smith, J.D., M.S. 🚀 dropped this on the podcast 

And it's a powerful insight that will help you scale

Last year someone came to me ready to invest.

Had the capital. Had the stability. Said all the right things.

But something felt off.

So instead of selling or pitching, I asked questions.

Turns out he was about to go through a divorce. 

Didn't actually have the access to money he thought he had. 

He was looking for a distraction, not an investment.

I told him no.

Not "not right now." Just no.

He was confused. Maybe frustrated.

But setting up an investment opportunity for him would've been the equivalent of financial and personal malpractice.

It would have been wrong.

Most business owners are taught:

Get into as many inboxes as possible.

Push the offer.

Handle objections.

Close.

That's a transactional approach to life, it’s transactional selling.

It might make money in the short term. It rarely builds trust in the long term.

Consultative selling sounds different:

"What's the real problem you're trying to solve?"

"What have you already tried?"

"Is this actually the right move for you right now?"

Sometimes the honest answer is:

"No, I'm not the right person to help you."

The fastest way to lose trust is to push a solution to a problem someone doesn't have.

Or worse — to a problem they're trying to escape from.

You don't need more aggressive conversations.

You need cleaner intentions and better questions.

And if you want an honest conversation about whether passive real estate is even right for you, DM me "FREEDOM."

If I can help, I'll show you how.

If I can't, I'll tell you that too.

40+ Linkedin Money-Making-Influence Resources I Toxic Boss Immunity I Frequency of INFLUENCE: ETHICAL PERSUASION I $20k Brain-Based Sales System | HarvardX Neuroscience Research I Keynote 🎤 I X-Microsoft I Captain ⛵

You don't need another strategy, you need clarity...

Here’s what I mean

On Friday I asked a simple question

A question I’ve asked over 277 people

How do you make investment decisions

I recently asked a 21 year old making 250,000+ a year

His brutally honest response was that he follows his gut

This 21 year old makes more than everyone in his family

High income.
Smart.
Serious about building wealth.

And completely honest about the chaos behind his choices.

The Friday poll had 4 options:

- Research deeply and decide
- Follow a trusted mentor/advisor
- Copy friends/colleagues
- Gut feel / FOMO

In real life

Most portfolios are a blend of all four.

A little research.
A little "my friend made money in this."
A little "my advisor said it's good."
A little "I don't want to miss out."

That's how people end up with:

A crypto position they don’t understand.

An angel investment because their friends said it was the next best thing.

A "passive" property that became a second job.

Different assets.

Same root problem: no clarity.

Here are the 3 questions you need to ask 

Before any new investment

𝟭. 𝗗𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗼𝘃𝗲 𝗺𝗲 𝗰𝗹𝗼𝘀𝗲𝗿 𝘁𝗼 building 𝗳𝗿𝗲𝗲𝗱𝗼𝗺?
Not "does it sound exciting?"
Does it actually support the life I'm building?

𝟮. 𝗖𝗮𝗻 𝗜 𝗲𝘅𝗽𝗹𝗮𝗶𝗻 𝗵𝗼𝘄 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝗶𝘀 𝗺𝗮𝗱𝗲 𝗮𝗻𝗱 𝗹𝗼𝘀𝘁?
If you can't explain the model simply, you're borrowing conviction.

𝟯. 𝗪𝗵𝗮𝘁 𝗮𝗺 𝗜 𝗿𝗲𝗮𝗹𝗹𝘆 𝗰𝗼𝗺𝗺𝗶𝘁𝘁𝗶𝗻𝗴 — 𝗺𝗼𝗻𝗲𝘆, 𝘁𝗶𝗺𝗲, 𝗼𝗿 𝗺𝗲𝗻𝘁𝗮𝗹 𝗲𝗻𝗲𝗿𝗴𝘆?
Many "great returns" stop being great once you price in stress and hours.

Same person.
Same income.
Completely different decision process.

If your portfolio looks more like "friend / mentor / FOMO" than you'd like to admit...

You don't need more noise.

You need a filter you can trust.

Want help pressure-testing your next investment decision?

DM me "INVEST"

We'll walk through it together.

Here’s something crazy you can implement in 2026.

You can acquire customers for $0.

Not a hack.

A strategy.

Become a micro-influencer before you launch the thing you want to sell.

I was talking about this recently with Domingo Valadez and it clicked.

AI already made building products easier than ever.

So the moat isn’t the product anymore.

It’s distribution.

And distribution comes two ways:

1. Pay for it (ads, partnerships, sponsorships)

2. Build it organically (free)

Most people default to option 1.

They launch first.

Then scramble for attention.

The smarter play?

Start posting now.

Share what you’re learning.

Document your thinking.

Help real people solve real problems.

Every post is a free lottery ticket.

Every follower is a potential customer.

Every piece of content compounds.

The founders who win won’t just outbuild the competition.

They’ll out-distribute them.

Start today. It costs nothing.

I started in 2024 on LinkedIn.

I focused on financial literacy.

Since then, I’ve watched people completely redefine their relationship with money.

Along the way, I’ve helped people invest passively in real estate.

I’ve helped people make money in their sleep.

That started with simple posts.

When will you start?

How will you help people?

Comment below or DM me if you want to:

1. Get clarity on your money
2. Explore how passive real estate can fit into your plan
3. Or just share where you’re at right now.

Co-Founder & CEO @ Homebase | Helping real estate sponsors close deals faster

One investor made 15.47% last year.

Another lost $280K.

The difference wasn't intelligence.

It was which levers they pulled.

Mentorship. 

Skills. 

Opportunities. 

Consistency.

Four different words. 

One common thread:

Money rarely grows just from working harder.

It grows when you pull the right levers, strategically.

After helping 277+ investors generate $14.9M+ in passive income, here's what I've seen:

𝗠𝗲𝗻𝘁𝗼𝗿𝘀𝗵𝗶𝗽
Helps you avoid mistakes you don't even see.

One client skipped a "great" deal after a 15-minute call with me. 

That deal went sideways 8 months later. Saved him $75K.

The most expensive lessons are the ones you could've skipped with the right guidance.

𝗦𝗸𝗶𝗹𝗹𝘀
Make you more valuable in whatever environment you're in.

Not just technical skills 

Knowing how to evaluate deals, read operators, and ask the right questions.

One client had zero investing background. 

She learned these skills. 

Last year she made 15.47% annualized. 

Passively.

𝗧𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀
Position yourself to see opportunities others never get access to.

The person who lost $280K had access to capital. 

The person who made 15.47% had access to the right deal flow. 

Capital that isn’t invested strategically won’t grow and create financial freedom.

𝗖𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝗰𝘆
Stops all of that growth from evaporating when life gets hard and uncomfortable.

One investor I work with has made 12 investments over 4 years. 

No home runs. 

Just steady 14-21% returns, compounding quietly every year.

One good decision doesn't build wealth. 

A hundred boring ones do.

Most people don't fail because they lack potential.

They get stuck trying to do everything alone, without structure, in too many directions.

The ones who build wealth?

They stack the right levers and stay patient.

Which lever do you need to focus on most right now?

Drop it below or DM

Growth starts when you know where you stand

Here’s the dangerous truth that most people don’t realize 

Most people don’t burn out because they’re working too hard.

They burn out because they’re watching everyone else.

Andrew Coleman shared something on my podcast that I keep replaying:

If you focus on your journey and helping others hit their goals...

...you stop caring about unhealthy competition.

And you start building something real.

Your uniqueness is your strength.

This is the piece we skip.

We think the ‘edge’ is a smarter strategy.

But the real edge 

The one nobody can copy is

Your lived experience.

A mix of:

-what you’ve been through
-what you’ve learned the hard way
-who you’ve helped

The standards you refuse to drop

Comparisons make you feel behind.

But behind who?

-Someone with different goals.
-Different responsibilities.
-A totally different starting line.

I see this constantly in investing.

People compare returns.

They change their strategy too early.

They chase noise.

They reset the clock.

And they call it ‘being proactive.’

The people who build real wealth do something boring:

They choose a plan that fits their life.

They execute consistently.

They ignore the scoreboard.

They let compounding do the heavy lifting. 

That’s how 82+ clients made 29.74%+ over 2 years

Andrew Coleman - appreciate the timely reminder. 

It’s simple. 

And it’s real.

If you’ve ever caught yourself comparing…..

What helped you get back to focusing on yourself

Focusing on how you help people

Comment below or DM

Investor and Entrepreneur

Here’s how I made investors ~15.73% last here
 
This is something I don’t talk about
 
And there are a few reasons why
 
1. I don’t want you to assume you’ll make money
2. I don’t want you to assume making money is easy
3. I don’t want you to walk into things without understanding the risk
 
A few years back I launched a fund
 
A fund is basically when people pool their money to invest into something together
 
Think of a partnership
 
Everyone wants to invest in real estate
 
Some people don’t know how
 
So, they partner with someone that can do it for them (me)
 
The fund was a 506(b)
 
For most people this legal designation is useless
 
The reason why I mention it is that it’s open to accredited investors
 
And 35 non-accredited investors
 
The people that invested in this fund are everyday people:
 
1. They’ve never invested in real estate before
 
2. They probably don’t know what the word ‘accredited’ means
 
3. They’re looking to invest on an all cash basis
 
The 3rd point is unique
 
There are certain people that want to make money without leverage
 
This fund is actually built for those people
 
The fund has made 14%+ each year for ~3+ years
 
Imagine investing $100,000 in 2022
 
And it growing to $148,154.40 by the end of 2025
 
48% growth in 3 years
 
Awesome, but honestly
 
Here’s the legal disclaimer
 
This is just an illustration
 
If you want to see actual performance reach out and I’ll send you the information
 
The point here isn’t how people are making a lot of money passively
 
The point is actually what I mentioned last week
 
Wealthy people are disciplined
 
Making 14%+ feels amazing
 
But if you’re doing it year after year it can get monotonous
 
Discipline isn't flashy. 
 
We’re not investing in real estate to be flashy
 
We’re investing in real estate to build financial freedom
 
If you want to join the 277+ people scaling
 
Comment or DM

Most high performers don’t realize what they’re trading until something breaks.

Curious what it is for you right now

I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

Omkar Shinde

I've spent $75,000+ on my mortgage over the last 3 years.

3 reasons why I'll never ever go back into Real Estate ever again:

1. Interest
• It's no shocker payments first go to interest, then principal.
• In an environment rate like this, I'm not motivated to buy real estate and let it cash flow -$500 to $100 per month.
• I study the markets, and they're doing much better anyways.

2. Costs and Illiquidity
• Buying a house costs time, selling a house costs money.
• And the investment is fully illiquid. I cannot sell a bathroom and keep the house.
• Yes, loaning is an option and that's the only thing I like about it. But, that can also be a slippery slope.

3. Minimal Benefits
• Shreya works 40 hours a week, I run an advisory firm, and we own 2 rentals.
• Neither of us in Real Estate, nor can we qualify for REPS. So depreciation only offsets the cash flow we receive, nothing else.
• Not to mention maintenance, HOA, property management, and paying for all of that.

So yeah, I'm a huge believer money can be used in better places than real estate.

Anyone else agree?

I create efficient tax plans and investment strategies for Sales & Software Employees making $200,000+ | DM me “W2” for an intro call.

3 weeks ago, Trump wanted to ban large institutional investors from buying single-family homes.

People are celebrating. But let me fill in the blanks for you:

37-year-olds making $172K can't buy a house.
Because BlackRock can pick up houses for 0.00023% of their balance sheet.

The Middle Class is not competing against families anymore.
They're competing against trillion dollar asset managers.

Who see nothing but dollar signs and decimal points.

So banning them makes sense, right?

But here's the other side:

Institutional investors own less than 3% of single-family homes in the U.S.

The real issue?

→ Interest rates that doubled.
→ 40-year low housing supply.
→ Zoning laws blocking construction.

Banning institutional buyers might feel good.

But it doesn't build more houses.

I work with clients making great money who still can't afford homes.

It's not just because BlackRock bought 3% of the market.
It's because there aren't enough homes being built.

Supply and Demand is basic macroeconomics. 

So what's the real solution?

Ban institutional buyers and hope prices drop?
Or build more housing so supply meets demand?

One feels good.
Both fix the problem.

What do you think—will this ban help or are we missing the bigger issue?

At 18 years old, I was denied my first credit card.

At 25 years old, I had a credit score of 815.

Here's how I did it:

• Paid off my card bi-weekly for 4 years straight
• Kept my first card open, even when I stopped using it
• Used less than 10% of my limit per month
• Increased my limit every 6 months
• Followed Chase's 5/24 rule

I didn't have anyone teach me how to build credit.

I figured it out on my own.

Most people wait for someone to show them the way.

They wait for their parents to explain it.
They wait for school to teach it.
They wait for the "right time" to start.

But nobody's coming to save you.

If you want something in life, you have to make it happen yourself.

And the difference between where you are and where you want to be?
Action.

You either figure it out or you stay stuck.
Or pay someone like me to make sure you get what you need.

P.S: Struggling with your credit? DM me "CREDIT" and let's talk.

Using your 401(k) funds for a down payment?

This will create a generation of homeowners who can't afford to retire.

Trump's berlieves his proposal is the solution to help the home-buying dilemma.
Let me show you what this actually means:

You're 28 with $40K in your 401(k).
You can't afford a down payment.

Now you can pull $30K out and buy a house.
Problem solved.

But here's what you're not seeing:

Keeping retirement funds locked up has actually been helpful.
It forces people to save cash for a down payment.

Which means:

→ They build an emergency fund first.
→ Their retirement keeps growing the entire time
→ They prove they can handle homeownership costs.

Yes, it delays buying a house.

But that delay protects both your home AND your retirement.

Now imagine this:

A 28-year-old pulls $30K from their 401(k) for a down payment.

Buys a house they can barely afford.
Then the AC breaks. Roof leaks. Property taxes spike.
No cash reserves left.

And their retirement account is back at $0.

They're house rich, cash poor and back to the foothills of the retirement mountain.

Access to retirement funds might sound like freedom.
(Could be)

But my bet is it's more likely to create a generation of homeowners who can't afford to retire.

What do you think—does easy access help or hurt more people?

No alternative text description for this image

Want a masterclass in business and finance?

The Chainsmokers make 7 figures/year for a 245 second song from 2016.

TikTok has the "2026 is the new 2016" trend going on.
And it brought back Freshman year memories.

The biggest flashback was screaming,
"From your roommate back in BOULDER, we ain't never getting older."

And I realized, they recorded "Closer" 9 years ago.

And it still pays them millions.

Every stream. Every radio play. Every TikTok video.
They get paid.

If only we taught that to everyone, because most people trade time for money:

Work 40 hours → Get paid once → Repeat forever.

But the smartest people build assets:

Work once → Get paid forever.

Here's what that looks like:

• Invest in assets that pay dividends
• Write a book that sells for 10 years
• Build a course people buy on repeat
• Create content that generates leads daily

The Chainsmokers aren't special.

They just built something once that keeps working for them.
You can do the same thing.

Stop chasing the next paycheck.
Start building something that pays you long after the work is done.

Because the goal shouldn't be to work harder.
It's to work once and get paid forever.

What's one thing you're building today that will pay you for years?

Every other Friday, you wait for that $4,786 paycheck.

But by Monday... *poof*.

You worked late nights.
Put in weekend hours.
Closed the deal that finally hit your quota.

Payday arrives—
And just like that, it disappears.

Because here’s what happens:

→ The rent auto-drafts.
→ The Amex bill hits.
→ Groceries, daycare, travel... all waiting in line.

By Monday morning, you’re already stressed about how to stretch what’s left.

This isn’t carelessness, well maybe a bit..

But mostly, it’s a missing skill.

Because *earning money* and *managing money* are two completely different games.

One fills your account.
The other builds your freedom.

Without a cash flow system, the cycle repeats:

• Direct deposit in on Friday.
• Expenses drain it by Monday.
• Anxiety fills the rest of the month.

What's worse? 
You can’t out-earn disorganization.

Most Sales clients making over $200,000, don’t need more money, they want it.

But they NEED a structure that makes cash flow predictable, month after month.

What's your cash flow management look like?

DM me "FLOW" and I’ll show you how to finally keep more of what you earn.

A potentially illegal Roth IRA hack that hasn't been discovered yet.

Disclaimer: This is not financial advice.

Father has a Roth IRA. Son has a Roth IRA.
Father makes $82,000. Son makes $76,000.

Father pays for everything, has nothing to save at the end of the month.
Son is single and lives at home, 80% of his income is discretionary.

Son maxes out his Roth IRA. 
Son maxes out Father's Roth IRA.

Son is 27. Father is 58.

There's a mutual understanding between Father and Son that Son will inherit the Roth upon the Father's passing.

Let's assume Father lives till 90.

Which means Son has 32 years of compounding interest on $15,000/year of contributions.

Considering they start from $0, and max it out every year,
that's a combined Roth Account of $2M completely tax-free.

With the 4% rule, that's $80k/year in tax-free retirement income for the son.
Even higher with an Annuity.

To any tax pros, is this legal?

P.S: This may or may not be an real life scenario. 👀

I took a bet on myself at 23 to drop a stable paycheck to go all in.

4 years later, I've 3x'd my salary and I'll never have to look for a job again.

Here's what nobody tells you about risk:

Everything is risky.

Staying at your job? Risky.
Layoffs happen. Budgets get cut. Companies fold.

Starting a business? Risky.
You might fail. You might lose money. You might look stupid.

The difference?

One risk keeps you comfortable until it doesn't.
The other risk builds something that can't be taken away from you.

Most people avoid the "scary" risks while taking the safest-looking risk of all—betting their entire future on someone else's decision.

That's not safety.
That's just delayed uncertainty.

When I left my 6-figure job, everyone thought I was crazy.

"You're throwing away stability."
"What if it doesn't work out?"
"You should wait a few more years."

But as time went on, it became clear:

The biggest risk wasn't starting my business.
It was spending the next 40 years wondering "what if?"

4 years later, I've tripled my income.
Built financial freedom on my own terms.
And I'll never have to update my resume again.

You're going to take a risk either way.

So why not take the one with the outcome YOU actually want?

The job will always be there if you need it.
But the opportunity to build something for yourself?

That window doesn't stay open forever.

It's the first full week back in 2026, what are you doing today to start your year your way?

I've worked with AE's making $400,000/year. 
 
I've also worked with a bakery owner making $40,000/year. 
 
My top 5 lessons on literacy I've learned while serving a diverse client base: 
 
→ Financial discipline is the main difference, 
Between someone making $1,000/month vs. $10,000/month. 
 
→ Educating people about their finances sells. 
Not the fee structure. 
 
→ Your history and your mission are both crucial, 
And bridge both of these with your story. 
 
→ Money is still a taboo topic, 
even in high-income households. 
 
→ Your salary on paper does not matter. 
It's your bank account balance that does. 
 
 
The only way to freedom is through education. 
 
So get literate to be liberated. 
 
Message me today to take the first step.

Shreya and I spent $2,134 on our trip to Portland, Oregon in December.

Here are the 2 financial rules that help us travel every month:

1. Systems create peace.
2. Memories > Money any day.

Let me lay out the scene:

→ United Economy to Portland.
→ Diamond status got us an Upgraded room at Hilton.
→ Waterfalls, Mountains, beaches and mouth watering food.

The best part? 

I was swiping my card like a Kardashian.
I never swiped thinking, “Can I actually afford this?”

The actual difference between budgeting and building a system.

Budgeting is like trying to count calories while you’re holding a plate of warm cookies.
Systems are the reason you don’t even keep cookies in the house.

Before the trip:

→ Travel fund? Funded.
→ Investments on autopilot as always.
→ Houses on rent so no worry on the mortgage.
→ Business cash flow still operating despite 4 days off.

So this trip was a nice getaway for us to treat ourselves.

I had the peace of mind that my money was working for me.
I was spending time with Shreya, last few months as fiancées.

Just 2 D.I.N.K's with a good financial system.

But this is where most sales reps struggle.

One big commission check hits and it feels like winning the lottery.
The next month, income dips and panic sets in.

That volatility isn’t the problem—it’s the lack of a system to handle it.

So yes, we spent $2,134.

But what I really bought was peace of mind and memories with the best.

Sales doesn’t have to feel unstable.
You just need a structure that makes the unpredictable... predictable.

I sobbed the entire night after I got laid off.

It made me accept the reality which I was avoiding.

Here's what I chose to ignore:

I worked at a company that paid me just enough to keep me comfortable.
And I gave them just enough to hit quota and stay off the radar.

I was checked out. 
I was wondering "is this it?".

I did what many corporate employees do:

* Hit my numbers.
* Met expectations.
* Waited for the next cycle.
* Played the promotion game.
* Hid behind my Zoom camera.

From the outside, everything looked fine.
Inside? I was uneasy.

This arrangement was bad for everyone.

I wasn’t building real leverage or skills.
The company didn’t get my full potential.
And my motivation slowly eroded quarter after quarter.

The layoff was brutal. But it forced honesty.

Today, I’m genuinely grateful for the environment I work in now.

One where:

* You’re rewarded for impact, not just tenure.
* Ownership matters more than politics.
* Growth isn’t tied to a title change.
* Effort actually compounds.

If you’re feeling that low-grade dissatisfaction between performance reviews and promotion cycles, pay attention.

That feeling isn’t burnout.
It’s misalignment.

You don’t owe your career another year of playing it safe.
You owe your future another year of building your heaven on earth.

P.S. If this sounds like you, trust me—you’re not broken. You’re just ready for more.

Open to other opportunities? DM me "Open" because I'm hiring 3-5 motivated people for 2026.

Trump wants Credit card companies to slash rates to 10% for 1 year.

Here's how it affects you:

Let's take the Average Joe:
Joe has $6,000 in Credit Card Debt.

Current rate (22%): $1,320/year in interest
Proposed rate (10%): $600/year in interest
Savings: $720/year

That's real dollars back in your pockets.
But it's what I call "invisible money". 

You will be happy with a reduction in interest charges, 
but unless it is consciously put to use, this is money that will be spent on something random.

And here's the other side:

Credit card companies make $120B/year in interest.

A rate cap would cut that in half, which results in:

→ Fewer rewards programs.
→ Higher fees to offset losses.
→ Stricter approval requirements.
→ Lower credit limits for existing customers.

There's one thing I can guarantee you:
Banks will not absorb the losses (why would they?).

They will pass them down.

The people who need credit the most?
They'd have the hardest time getting it.

So who actually wins here?

Companies lose revenue.
People trying to build credit get locked out.
People with existing balances get temporary relief.

With no guarantee of them actually getting out of debt.

To me, the real question isn't whether 10% sounds better than 22%.
It's whether we're solving the problem or kicking the can down the road.

What do you think—would this help or hurt more people in the long run?

I left corporate, built my own paycheck, and found my sense of freedom.

Would you like that too?

2025 was a year of growth for me:

- Got engaged 💍
- Caught 7 flights 🛩️
- Moved back home 🏠
- Better Systems and Ops.
- Finalized our dream wedding.
- $200,000+ revenue generated.
- $10,000,000+ AUM accumulated.

All this without:
- Worrying about a job loss.
- Hesitating to take time off.
- Applying to jobs because mine sucks.
- Responding to slack messages on vacation.
- Moving my mouse because PTO wasn't approved.

Now 2026, I have only one goal:

- SCALE.

But there's a problem. 

I, like everyone else, have only 24 hours in a day.
And I'm at a point where 12 of those are already taken up by my clients.

Which means, if I want to positively impact more people, 
I have to hire more people.

So, I want to help you create a life just like mine.
(It's hard work, but I think it's worth it 😉)

Here's what I'm looking for:
- Someone who wants to positively impact their community.
- Someone with a passion for Finance but doesn't know how to get started.
- Someone who's dissatisfied with their career and are open to other options.
- Someone who's always dreamt of being a business owner, but never had the opportunity.

You'd be introduced to a team that:
- Have backgrounds in Engineering, Law, Finance, Sales and Medicine.
- Are collectively pushing $400MM in Asset Under Management.
- Have worked at KPMG, Deloitte, Arther-Andersen, Booz-Allen Hamilton etc.
- Want to take a chance on you making it.

It's only 16 days into 2026. Imagine what this could look like 349 days from today.

Don't underestimate how long it might take you to be successful. 

We all have to start somewhere. Might as well, be here and be today.


Interested? We're interviewing people that fit the above criteria. DM me "FA" and I'll reach out to you to set a time.

If you're not interested, send this to someone you know who might be a good fit.

A simple X post made me rethink what doubt is.

Here's how it goes:

"The archer aims at the target, not the doubts in his mind or on his ears."

It's what I needed to hear that day.

Because here's what happens when you chase something big:
Everyone has an opinion.

"That's too risky."
"What if you fail?"
"Why don't you just stay where you are?"

And the worst part? You low-key believe them if you aren't confident in your skills yet.

You question yourself.
You second-guess every move.
You get paralyzed by what could go wrong.

Here's the reframe:
Doubt isn't the problem. Doubt is actually a good thing.

It means you're on a path that most won't tread,
which means lesser competition,
and a higher reward.

Focusing on doubt is the major.

Our brain takes a small piece of information and creates the scenario that's worse than death.

The archer doesn't aim at his doubts.
He aims at the target.

Every single day.

Your job isn't to eliminate doubt.

It's to ignore it and focus on the task in front of you.

Write the post. Make the call. Send the email. Face the rejection.
But show up again tomorrow.

None of that matters if you just keep aiming at the target.

Big goals aren't achieved by overthinking them.
They're achieved by doing the small tasks every single day.

Instagram's CEO claims "Quality content is dead."

If you're creating content in 2026, here's what you should know..

Everyone and their mom is using AI now.

Templates structure their posts.
ChatGPT generates their hooks.
Claude writes their captions.
Grok fact checks the result.

And it sounds as perfect as Celine Dion's Voice.

We're more connected than ever before but we've never felt more disconnected emotionally.

I've seen it happen:

Someone posts 5 times a week with AI-written content.
Gets 8 likes, 12 comments.

And then crickets....

But posting about what happened to you when you were 14, and how that impacted you today?

DMs flood in.
Comments blow up.
People finally feel something.

Because it was authentic.

Stop trying to sound smart, start sounding like you.

Share the messy parts.
The failures.
The "I have no idea what I'm doing" moments.

AI can write your posts.
But it can't tell YOUR story in your voice.

Every time your audience reads your post, if they can't imagine you saying it, you've lost.

And that's the only thing people actually care about anymore.
Your voice.

What's one thing you've been afraid to share because it's "too vulnerable"?

High Taxes? Real Estate is the answer to everything.

I wouldn't touch real estate with a 10 ft. pole if that was me.

Every guru screams the same thing:

"Real estate is the best tax shelter!"
"Depreciation writes off everything!"
"Buy rentals and pay zero taxes!"

Cool story. Let's take a quick peak behind the scenes, shall we?

You're trading tax savings for actual cash flow.

Let me break it down:

You buy a $500K rental property.

Depreciation saves you $7K/year in taxes.

But you're also dealing with:

→ $15K roof repair you didn't budget for
→ Tenants who stop paying rent
→ Property taxes that went up 18%
→ Insurance that doubled in 2 years

Your "tax savings" just got eaten alive by expenses.

And that's if everything goes right.

What if interest rates spike and your property value drops 20%?

What if you need cash and can't sell because the market's dead?

What if your tenant trashes the place and you're stuck with a $30K renovation?

Real estate isn't liquid.
It's not passive.
And it sure as hell isn't a guaranteed win.

I've seen clients lose more money chasing "tax benefits" in real estate than they ever saved.

They bought properties they couldn't afford.
In markets they didn't understand.
Because someone on Instagram told them it was "the smart play."

Here's the truth:

Real estate CAN be great.

But only if you have the time, the capital, and the risk tolerance to handle it.

If you're buying rental properties just to "save on taxes"?

You're doing it for the wrong reason.

And you're probably going to lose money.

Tax savings don't mean anything if you're broke.

What's your take—is real estate overhyped or am I missing something?

America is at $1,130,000,000,000 in Credit Card debt. 
 
Here's how I helped John and Jane Doe eliminate theirs. 
 
John and Jane are very frugal: 
 
• John works in construction making $120,000. 
• Jane runs her own embroidery business. 
• Paying down a house and 2 cars. 
• Provide for their 2 children. 
• Yearly family trips. 
 
They just did one thing incorrectly. 
 
They paid for a wedding using Credit Cards. 
 
They admitted it themselves. 
"We were young, dumb and broke." 
 
But that was 8 years ago..... 
 
Since then they've paid off only $25k, 
and paid more than $30k in interest. 
 
They needed a way out. 
 
That's when they sat down with my team. 
 
Here's the plan we created for them: 
 
1. Consolidated the debt 
- They had 12 different cards, with variable rates balances. 
- Credit transfer onto one card with a 0% APR for 21 months. 
 
2. Negotiation 
- Believe it or not, some credit card companies are willing to extend promo periods. 
- We negotiated a 0% APR for an extra year (21 -> 33 months). 
 
3. Priority mapping 
- Do you want to keep your same lifestyle or pay off your debt? 
- Which one is worth the short-term pain? 
 
4. Take action 
- Stick the the monthly payment outlined. 
- Contribute any bonuses or extra amounts to the principal. 
 
They've been on their journey for 22 months. 
 
Yesterday marked $40k in debt paid off. 
 
They hit 1.5x in 22 months, 
than what they paid off in 7 years. 
 
That's the power of proactive debt planning.

How are you eliminating your debt?

Your job at Salesforce might impress your folks.

Big title. Big quota. But your bank account? Still small.

If I had to guess, you’re grinding:

* Consistently hitting quota
* Managing a team or region
* Exploring a side hustle "just in case"

On paper, you’re winning.

But in reality: 

* Taxes are quietly crushing your take-home
* Lifestyle creep followed the last promotion
* Tax planning feels reactive, not intentional

Here’s the hard truth I see with a lot of AE's and Directors:

You’re earning from multiple places,
but you’re running your money with zero system.

Common mistakes I see:

* Treating commissions like salary
* Running side hustles without tax planning
* Outsourcing everything except your finances

So how do you fix it?

Start here:

1️⃣ Separate operator money from lifestyle money
Your commission and side hustle income should follow rules.
Not vibes. Or your friends orders.

2️⃣ Automate wealth, not just savings
401(k), backdoor Roth, brokerage.
If it’s manual, it’s optional. And optional never scales.

3️⃣ Proactively Tax plan
RSU's, ESPPs, Commission Checks - need in depth planning.
Real Estate, Oil and Gas, Private Equity - need qualifications.

It’s not about closing more deals. You already know how to do that.

It’s about keeping more of what you earn
and making your money work as hard as you do.

Your dream life doesn’t come from a higher quota.
It comes from better systems.

P.S. If you’re an AE making $200,000+ but feel behind anyway, DM me "AE" if you want to lower stress, and higher bless.

Amazon is cutting 16,000 jobs over the next 90 days.

Here's what I would do if I was an Amazon employee:

1. Get clarity:
Have a straightforward conversation with your boss and figure out if you're on the cutting block. If you don't get a straight answer, take that as a sign - you're it.

2. Stack cash: 
Yes, you'll get severance. But don't count on it. Stack cash so you have more runway to find a job (you'll need it in this economy).

3. Explore options: 
Do you really want to go back to another company and do the same sh*t all over again? Or are you finally dissatisfied to start something on your own?

4. Take a bet on yourself: 
We're in a White Collar recession. The more accomplished you are, the tougher it is for you to land a new job. 
You're hourly rate is higher working for yourself, than for a company. Take 18 months, put in the work, and live off the dividends for the rest of your life.

This is the future. 

AI taking over entry-level jobs.
More competition for lower paying jobs.
Bachelors, Master's, MBAs won't matter.

If you're tired of the exhausting job search and want to build your own paycheck, I'm looking for 5 people this quarter to help them win their life back. 

DM me "LIFE" to explore if this would be a good fit.

taplio

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Omkar Shinde

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taplio

The Battle

Mustafa Ladha

Omkar Shinde

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Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Mustafa Ladha's LinkedIn Performance

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