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.

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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?

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.

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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.

Gib Irons

Helping Accredited Investors Passively Invest in Real Estate | Founder @ Irons Equity | Father & husband (and surfer & fisherman, but my wife told me to write that last.)

In 2007, I started my law firm in Greenville, NC.

In 2019, I had a breakthrough.

Being an attorney is taxing.

It's stressful. It's intense. It's a ton of work.

It's all of that — and it's non-stop.

(If you're an attorney, you're nodding your head right now.)

A lot of attorneys work until they die. Not because they want to — but because they don't have an exit plan. 

My breakthrough came when I met a real estate investor during the Big Rock Blue Marlin fishing tournament in 2019.

He started telling me all about his strategy.

- How he invests in real estate.
- How it's saved him 6 figures in taxes. 
- How he built 6 figures in passive cash flow.

I walked off that boat committed to real estate investing.

14 months later, I owned 14 properties.

Today, my mission is simple:

I want to help other high-earners (not just attorneys) experience the same benefits I've seen from real estate investing.

Yes, not paying as much in taxes is incredible.
Yes, the portfolio diversification is great.
Yes, the return potential is wonderful.

But you know the best thing?

Real estate gives you and your family more options for your lives.

And what could be better than that?

Visit ironsequity.com or send me a DM to learn more.

Chief Executive Officer

Gib Irons is an attorney, entrepreneur and real estate investor.  He is the founder and CEO at Irons Equity and oversees operations, acquisitions, investor relations and asset management.  Gib is a resident of Greenville, North Carolina.

Gib owns 14 single family condominiums, a commercial building, and a short-term rental (STR) property in Sevierville, Tennessee near Pigeon Forge and Gatlinburg named “Smoky Mountain Masterpiece.” 

Gib is a passive investor in a 660-unit portfolio in Arlington, Texas, a 344-unit apartment building in Dallas, Texas, and a 295-unit property in Fayetteville, Arkansas. 

In addition to Gib’s real estate investing experience, Gib is the owner and managing partner of Irons & Irons, PA, a multi-million dollar law firm based in North Carolina and established in 2007.

Gib and his wife, Kate have 3 children, Anna-Gibson (9), Miles (7) and Malene (4).  Gib is an avid surfer and fisherman and loves offshore fishing for tuna, dolphin and wahoo.

My law practice has 3 offices now. 

People ask: "Why expand? Isn't one office stressful enough?"

I thought that would be case but here's the truth:

Expanding was easier than I thought it would be.

Not because the logistics were simple. But because the systems were already in place.

When we opened office #2, I wasn't starting from scratch. We had:
→ Processes that worked
→ A team that knew how to execute
→ Marketing systems that drove leads
→ A reputation that followed us into new markets

Opening office #3 was even easier. Copy. Paste. Adjust for the local market.

Expansion doesn't make life easier unless you've already built leverage.

If you're drowning with one office, two offices will kill you.

However, if you've built systems that don't depend on you showing up for every decision, expansion becomes predictable.

Three offices. 5 attorneys. 24 people on payroll.

It sounds like chaos. But it runs smoother than when it was just me and my dad in one office because we've systematized everything that used to require my time.

→ Client intake
→ Case management
→ Billing and collections
→ Marketing and lead generation

The goal was never to scale just for the sake of it.

The goal was to build leverage so that my time wasn't the bottleneck anymore.

Now I can focus on strategy, partnerships, and real estate deals. And the law firm keeps running.

Most people think scale creates more stress.

But scale creates freedom if you build it right.

Are you building systems in your business or are you just working harder?

-

Follow me Gib Irons for more posts on building wealth.

Grant Cardone ran a thought experiment: "What if we'd converted every rent check from the last 12 years into Bitcoin?"

The result? What was $160M in distributions could have become nearly $3B.

Now he's building the actual model.

Here's what Cardone is doing:

Acquiring cash-flowing multifamily properties

Pairing each property with a dedicated Bitcoin allocation (his 366-unit Boca Raton fund includes a $100M BTC position)

Using monthly rental income to systematically accumulate more Bitcoin

Real estate = stability and cash flow

Bitcoin = asymmetric upside, funded automatically

Why this matters:

Bitcoin holders want yield and durability.

Real estate investors want liquidity and upside.

This structure aims to deliver both by turning rent into a Bitcoin accumulation engine.

The real question isn't "Bitcoin vs. real estate" anymore.

It's: "How do you use cash-flowing real estate to systematically acquire scarce assets?"

The playbook is shifting.

What do you think? Comment below.

My dad isn’t on the Forbes list.

He never raised a venture-backed company.
He never chased fame or fortune.

But he built something more important: a legacy.

At 76 years old—when most people are long retired—
he stood before the North Carolina Supreme Court, arguing one of the biggest cases of his entire career.

No fanfare. No spotlight.
Just resilience forged over decades.

He still wakes up early.
Still prepares every line of his case.
Still fights like it’s his very first trial.

Growing up, I watched him show up every day.
→ No excuses.
→ No shortcuts.
→ No self-pity.

And I realized…

Success isn’t status.
It’s showing up when it’s hard.
It’s doing what’s right—even when no one’s watching.

That’s the kind of man I want to be.
That’s the kind of lawyer I strive to become.
And that’s the kind of legacy I want to leave behind.

Who’s your hero?
Drop a comment below. 👇

My law firm has made $10,000,000+ over the years. 

But here's what that actually means:

It signifies I've put in the work.

→ 17+ years practicing law
→ Thousands of hours in court
→ Hundreds of clients represented
→ High-stakes cases in high net worth divorce and personal injury litigation

But here's the part nobody tells you about accolades like this:

They don't make you happy, give you time back, or fix the burnout.

I worked my ass off to build a law firm that earns that kind of recognition. 

Multi-million dollar operation. Three office locations. Five attorneys on the team.

And for years, I thought that was the goal:

- Build the best firm.
- Get recognized.
- Make more money.
- Rinse and repeat.

Then I realized I was building a prison, not a business.

I was working 60-80 hour weeks. Missing my kids' activities. Chained to my calendar.

The recognition felt hollow when I was too exhausted to enjoy it.

That's when real estate changed everything for me.

Because passive income gave me something Law never could: Options.

→ The option to take a Tuesday off
→ The option to coach my daughter's soccer team
→ The option to say no to cases that don't excite me

I'm still proud of my Super Lawyers rating.

It represents the blood, sweat, and tears that went into building my practice.

But the real win is building a life where professional success doesn't come at the cost of everything else.

Recognition is great. Freedom is better.

Would you rather have professional achievements or your time back?

-

If you're interested in investing in real estate to reclaim your time, follow me Gib Irons and reach out to connect.

Being a divorce attorney taught me a $1,000,000 lesson about wealth most people never learn:

I've represented high net worth clients for 17 years.

Doctors.
Executives.
Business owners.
People making $500K-$2M+ per year.

And here's what I see in almost every case:

High income. 
Zero equity. 
No exit plan.

They've been making great money for decades.

Working 80-hour weeks. Sacrificing time with their families. Climbing the ladder.

Then one day, their marriage falls apart. And we sit down to divide assets.

And there's... nothing.
→ No rental properties
→ No passive income streams
→ No investments outside their 401(k)
→ Just a big house, expensive cars, and a lifestyle they can't afford to maintain on one income

It's like they willingly slapped on golden handcuffs.

It's why this job breaks my heart sometimes.

Because I'm watching people who did everything "right" realize they have no options.

They can't retire.
They can't scale back.
They can't leave a bad situation because they're trapped by their own lifestyle.

The cases I enjoy most are the ones where there's actually something to divide. Where one or both spouses:

→ Invested in real estate
→ Built businesses with equity
→ Created passive income that doesn't require them to show up every day

Those people have options. They can rebuild. They have leverage.

That's why I'm so passionate about passive investing. Because I've seen what happens when you don't have it.

I've watched brilliant, hardworking people realize too late that income isn't wealth.

Real estate didn't just change my finances. It changed what I tell every high-earning professional I meet:

Build equity, not just income.

Create options while you still have a paycheck.

Because one day, you might need those options more than you ever imagined.

What would happen to your lifestyle if your income stopped tomorrow?

-

P.S - If you're a high-income earner and would like to know how you can invest passively in real estate, DM me 'OPTIONS'.

I used my tax savings to buy a $1.85M property.

Here's how that worked:

In 2021, Kate and I saved $250,000 in taxes using the Real Estate Professional Designation.

That wasn't money we hoped to save. That was actual cash we kept instead of sending to the IRS.

Most people would take that money and feel rich for a minute. Maybe pay down debt, take a vacation, or put it in savings.

I bought an asset.

A short-term rental in Sevierville, Tennessee. Smoky Mountain area. $1.85M purchase price.

Today, that property generates $250K in gross annual revenue. It basically pays for itself and then some.

Years of working in real estate have taught me that tax savings aren't windfalls. They're capital you can redeploy.

When you save $250K on taxes, you have two choices:
→ Spend it and watch it disappear
→ Invest it and watch it compound

I chose option two.

And now that $250K in tax savings is producing $250K per year in revenue. Every single year.

This is how wealth actually builds. Not by making a lot of money, but by:

→ Keeping it
→ Deploying it intelligently
→ Letting it work for you

The Real Estate Professional Designation saved us $250K.

Then our Smoky Mountain property turned that into an income-producing machine.

That's the difference between a tax strategy and a wealth strategy.

What would you do with an extra $250K in tax savings this year?

-

PS - If you'd to learn how you can use this exact strategy to invest in real estate, DM me and lets discuss your goals. 

*This is not tax advice, always consult a tax professional.

I got my law license in March 2006. 

I thought I made it. 6 months later, I realized I was wrong.

Attorney life is taxing. It's stressful, intense, and non-stop.

That's not me being dramatic. That's just the reality of the profession. 

You get:

→ Client emergencies at all hours
→ Trading every hour of your life for money
→ Court deadlines that don't care about your vacation
→ Emotionally draining cases where you carry people's worst moments

I was 26 years old and already exhausted.

And the worst part? 

Everyone told me this was normal.

This is what being a successful attorney looks like. Long hours. High stress. No off switch.

I believed them for years.

It took me until 2019 (13 years later) to realize that "normal" didn't have to be my reality.

A chance conversation about exit plans on a fishing trip opened my eyes.

It was the moment when I understood I was building someone else's version of success, not my own.

My law license opened doors for me.

The skills I learned. The clients I've helped. The firm I built with my dad...I'm grateful for it all.

But if I had stayed on the path everyone expected me to follow, I'd be working until I was 70 with:

No equity
No options.
No passive income No options

Real estate gave me the exit I didn't even know I needed.

It can do the same for you too.

How long did you spend chasing other people's version of success before you realized it wasn't making you happy?

-

If you're ready to get off the hamster wheel through real estate investing, send me a DM, let's chat.

I used to think being a passive investor meant I was lazy.

Just writing checks and hoping someone else made me money.

That didn't feel like building something. It felt like sitting on the sidelines.

Then I invested $1 million into three deals and I realized I was completely wrong.

Being passive doesn't mean being uninvolved. It means being selective about where you spend your time.

Here's what I do as a "passive" investor:
→ Deep-dive on operator track records
→ Review underwriting assumptions line by line
→ Ask uncomfortable questions on investor calls
→ Monitor distributions and performance quarterly
→ Build relationships with GPs for future deals

That sounds more strategic than passive to me.

As an investor, I'm not managing tenants at 10pm, dealing with maintenance emergencies, or negotiating with contractors.

I'm doing the high-leverage work like due diligence and capital allocation.

Then I let operators who are better than me handle execution.

Active investing rewards effort while passive investing rewards judgment.

→ Active: I make $X per hour I work
→ Passive: I make money based on the quality of my decisions, regardless of hours worked

When I transitioned from 14 active properties to passive LP positions in 1,200+ units, people thought I was stepping back.

But in reality, I was stepping up.

I went from being a property manager to being a capital allocator.

From trading time for money to making my money work for me.

That's not lazy. That's leverage.

If you'd like to learn more about how you can do this as a high-income earner, follow me Gib Irons for more posts and reach out to connect.

Personal injury work will change how you see risk forever. I've represented people whose lives were destroyed in seconds:

→ A dad driving his kids to school T-boned by someone running a red light
→ A construction worker who fell two stories because equipment failed
→ A woman paralyzed in a car accident caused by a drunk driver

One moment. Their entire life changed.

And here's what I learned representing them:

Most people have no backup plan if they can't work.

They're counting on their job. Their salary. Their ability to show up every day and trade time for money.

Then an accident happens. And suddenly:

→ No income
→ Medical bills piling up
→ Family depending on them
→ No plan for how to survive

The legal system helps. Insurance pays out. Settlements happen. But the financial damage is already done.

This is why I'm so passionate about passive income.

Not because I want to get rich quick. But because I've seen what happens when people lose their ability to earn.

If I got in an accident tomorrow and couldn't practice law for six months, my family would be fine:

→ My real estate distributions will keep flowing
→ Properties will generate rent
→ Investments will produce returns

My income isn't tied to my ability to show up in a courtroom every day.

A lot of high-earning professionals don't have that luxury:

Doctors.
Lawyers.
Business owners.

They make $300K-$500K+ per year but it all depends on them showing up.

One health issue. One accident. One bad day.

And the whole thing collapses.

I've sat across from too many people in that exact situation to ignore the lesson.

Build assets that work for you.
Create income that doesn't require your presence.
Protect yourself before you need protection.

Because life changes fast.

And when it does, you won't have time to build a safety net.

You need to have already built it.

How have you protected your family's financial future?

If you'd like to know how you can achieve this by investing passively in real estate, send me a DM. Happy to answer your questions.

"Why do you invest in medical real estate?" 

Here's the answer in one number: 92%.

During COVID, medical office buildings collected 92-94% of rent.

This was the biggest economic disruption of our lifetime. Retail, traditional office and hospitality were all shut down.

Yet doctors, dentists, imaging centers kept paying up. Why?

Because healthcare is non-optional.

People postpone vacations.
They cut back on dining out.
They cancel gym memberships.

But they don't skip cancer screenings.

They don't postpone dental surger or ignore their chest pain.

Medical services are recession-resistant in a way that almost nothing else is.

Here's what makes medical tenants different:

They invest $300K-$1M into their spaces. This ranges from:

→ Custom plumbing
→ Specialized HVAC
→ Advanced cabinetry
→ Radiation shielding for imaging equipment

Once they're in, they don't leave.

The switching costs are too high. The disruption to their practice is too massive.

So they sign 10-15 year leases with built-in rent escalations and renewal options.

The demographic trend is undeniable:

By 2034, seniors will outnumber children in America for the first time in history.

More seniors = more healthcare demand.

More diagnostics. More specialists. More in-person medical visits.

That demand isn't going away. It's accelerating.

Smart money is already positioning in front of a demographic wave that's already in motion.

Where the fundamentals are stronger, the tenants are stickier, and the downside is protected.

Don't be left behind.

Where are you positioning your capital for the next 10 years?

If you'd like to know more about investing in medical real estate, follow me Gib Irons and reach out to connect.

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