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 was one signature away from a $640/month Jaguar XE.

I walked out.

2020. Car dealership. Everything was ready:

• Credit cleared.
• Loan approved.
• Papers in front of me.

Monthly payment: $640/mo. 🤯

I glanced out the window.

My 2012 Subaru was sitting right next to the Jaguar.

• Runs perfectly.
• 63,000 miles.
• Paid off.

And I thought: "What am I doing?"

I backed out. Drove home in my Subaru.

Took that $640/month and put it toward retirement instead.

$640/month for 4 years = $30,720.
At 8% annual return over 40 years?

That turns into $1,023,000.

One decision.
One signature I didn't sign.
Worth over a million dollars in retirement.

I didn't drive a nice car for 2 years.

But I wasn't trading my future for a car payment.

P.S: I bought the Jaguar 2 years later at a cheaper price.

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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We spent $2,482 on our 4 day Austin trip last week.

And I never once worried about the cost.

Here's what we did:

• Flew down for our college friends wedding.
• Checked in on our 2 rental properties.
• Saw friends we haven't seen since last March.

The whole trip, I didn't open my banking app once.

I didn't swipe my card thinking, "Can I actually afford this?"

It was a done deal the moment we booked the flights.

Before the trip:

Travel fund? Funded.
Investments running on autopilot.
Rental income covering the mortgages.

So when it came time to show up—for the wedding, for our friends—I wasn't spending.

I was just using money that had been set aside months ago.

Most people skip trips like this.
Or they go and spend the whole time worrying about money.
Or spend frivolously piling on more debt.

I've worked with business owners making between $250k-$400k who can't take a week off without panicking about cash flow.

And I've worked with clients making $180k who travel twice a year without blinking.

I spent $2,482 in Austin last week. 

But I didn't feel it.
Nor did my bank account.

My parents were stuck in Qatar for 168 hours after the US decided to strike Iran.

I've never felt more helpless in my life.

There's no lesson here. Just a reminder:

Hug, kiss, and tell your loved ones how much you appreciate them every single moment you get.

The world is an unpredictable place. 

P.S: My parents are back home, safe and sound! If you had a loved one who was affected, I'm praying for their safety too.

Just dropped ₹2,49,334 in India for my wedding outfits.

That's about $2,500. Here's the best part:

It's not the fact that I saved A LOT of money.
Or I travelled to see family.
And reunited with everyone after 3 years.

Spending hard earned money on memories are the only dividends you need in life.

So ball out, my friend. You have my permission 🤑

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2021: $13,293 in AUM.
2022: $17,345 in AUM.
2023: $873,871 in AUM.
2024: $6,312,009 in AUM.
2025: $12,429,991 in AUM.
2026: ???

Everyone starts the race at the starting line.
But you choose how long you want to keep going.

You stick to your job.
Let time do the rest.

Between Feb 14th and Feb 27th, I made $11,344.

While working from this 162 sq. ft room in my Grandma's house in India.

Been to India 4 times in the last 4 years I've been working for myself, and it always gives me a sense of gratitude.

I wasn't in an office.
I wasn't tied to a desk.
I wasn't asking for time off.

I was halfway across the world. And my business kept running.

Everyone talks about this freedom.
Yet nobody wants bad enough to actually live it.

The money will come and go. 
But the memories, the time and the health all erode away.

It's all about control. 

Control over your time.
Control over your income.
Control over your location.

When you work for someone else, you need permission to take vacation.
When you work for yourself, you decide when and where you work.

I'm not saying it's easy, but it is simple.


Start small.
Build on the side.
Figure it out as you go.

Because once you build it?

You get to live life on your terms.

What's stopping you from starting today?

Because the alternative is spending the next 40 years watching someone else control your life.

My client pays $1,200/year for life insurance.

He has no spouse. No kids. No mortgage.

Who exactly is he protecting? I asked him that last month.

35 years old.
Software engineer.
Making $280K.

"Who's this for?" He paused.
"I don't know. My colleagues told me I needed it."

If you're single with no dependents or debt, life insurance is a waste of money.

Nobody relies on your income.
You're just paying to protect people who don't need protecting.

I have another client—Engineer at Google.

42 years old.
Married with 3 kids.
$450K mortgage.
$410K household income.

If he dies tomorrow, his family loses everything.

He's paying $15,000/year across everything:

$2.5M Term for him.
$2.5M Term for his wife.
Max Funded Permanent Policy for Tax Benefits.

That's not a waste.
That's the smartest $15,000 he spends every year.

If people depend on your income, you need life insurance.
If they don't, you're lighting money on fire.

Stop buying insurance because "someone" told you to.
Start buying it because someone actually depends on you.

DM "LIFE" for a free insurance review—I'll show you exactly what you need (and what you don't).

I lost a client 6 weeks after they started working with me.

He agreed to everything..... at first.

Then did none of it.

This client was a referral from an existing client.

• Married with 2 kids.
• $250K household income.
• 7 rental properties with $1,500/month cash flow.
• HELOC at 8% on his primary house.

If he lost his job, this house of cards would collapse fast.

So I put together a plan:

• Pay off the HELOC ASAP.
• Get his wife a part-time job while looking for full-time.
• Sell the underperforming properties before it's too late.

He agreed to everything. Then did none of it.

6 weeks later, he fired me.

My first thought: I'm not good enough.

Maybe my plan was wrong.
Maybe I invested at all-time highs when I should've waited.
Maybe I pushed too hard.

I replayed every conversation trying to figure out where I screwed up.

But after talking to him:

He said he wanted change. He just didn't want to do anything differently.

Agreement isn't commitment.
And I can't want it more than he does.

I spent 6 weeks trying to save someone who didn't think he needed saving.

That's on me for not seeing it sooner.

Not every client relationship works out.

And that's okay.

Now I know the difference between someone who wants help and someone who just wants validation.

If you max out your 401(k), you will be fine.
If you invest in Real Estate, you will be fine.
If you max out your Roth IRA, you will be fine.
If you invest in your brokerage, you will be fine.
If you contribute to a 529 plan, you will be fine.
If you work with an accountant, you will be fine.
If you have Term Life Insurance, you will be fine.
If you have a Auto or Student Loan, you will be fine.
If you implement at plan at 45 instead of 35, you will be fine.

All in all, if you're doing the basics, you will be just fine.

BUT...

Doing basic work will get you basic results.

It won't get you the life that you want to live, instead it will make you live the life that you silently judge others on.

Don't let that be you. 

Start now. Start today. 

My DMs are open.

At 34 years old, they make $430,000/year.

And don't save a single dollar.

I talked to this couple 2 weeks ago.

Here's what their reality looked like:

• $17,000 on credit cards.
• Two luxury car payments.
• $6,000/month mortgage.
• No emergency fund. $80,000 in an IRA.
• Rentals losing money every month because rent < mortgage.

Almost half a million in income.
Nothing left at the end of the month.

I could say they were reckless... but they were just stuck in the "we'll save next month" loop.

If your lifestyle scales with your income, you'll always feel broke—no matter how much you make.

So we built a system:

$3,600/month automated to investments and savings—comes out first, before any spending.
$8,000/month for fixed costs in one account.
$2,500/month guilt-free spending in another.

Every dollar now has a job.
But they'll have to cut back their lifestyle significantly.

And that's going to hurt for the first few months.

The system only works if they stick to it.
That's the hard part nobody talks about.

DM me "MONEY" if you're making good money but have nothing to show for it.

What's the point of making $600K if you're still living like you make $60K?

Here's the biggest myth you're falling for:

High income = Financial literacy.

It's the exact opposite: 
Sales employees making insane money with no idea where it's going.

Here's what I've seen in the last year:

• $12M net worth client paying $180K in taxes he could've reduced by 40%.
• Prez Club client making $400K with $12,000 left in his account at the end of the year.
• Real Estate believer with 7 rentals, buying his 8th property but losing $2,500/month in cash flow.

You can make $600K and still be broke.
Because income doesn't solve a bad mindset.

I've worked with people making $150K building wealth faster than people making $500K.

Why?
Because they have a plan.
Or they're working with a team like mine.

Making money is one skill.
Managing it is another.

If you're making great money but still feel broke, the income isn't the issue.
The system is.


P.S: What's your biggest money habit you wish you could change?

Between Feb 14th and Feb 27th, I had 6 qualified inbound leads.

From a time zone that's 12.5 hours ahead.

I didn't listen to Alex Hormozi:

I didn't run ads.
I didn't cold call.
I didn't send a single email.

People found me.
Because I've been building a personal brand for 3 years.

Most people think personal branding is for influencers or creators.

Nah. It's for anyone who wants opportunities to come to them instead of chasing them.

Here's what a personal brand does:

→ It builds trust before you ever have a conversation.
→ It makes you visible when you're not in the room.
→ It opens doors you didn't even know existed.

I was halfway across the world in India. 
Asleep when these people reached out.

And they still found me.
Sometimes from posts that were 5-7 days old.

That's the power of showing up consistently online.

Your personal brand works for you 24/7.

And keeps paying dividends.

Every post you write.
Every insight you share.
Every story you tell.

It's building credibility that compounds over time.

While you're waiting for the "perfect time" to start posting, someone else with half your experience is building their brand right now.

And they're getting the opportunities you think you deserve.

The market doesn't care about your resume.
It cares about who shows up.

So you can either start building your brand today or watch someone else take your spot.

What's it going to be?

$23.85. That was my first paycheck in this business.

I stared at it thinking, "What am I doing with my life?"

My friends were making $80K, $100K salaries.
And I couldn't even crack $500/month.

Every single cell in my body was telling me not to pursue this opportunity.

So, I tried other things.
Explored different paths: Drop shipping, Copywriting, Streaming.

But I kept coming back to this business.

So I tried working through it, but:

My own family didn't trust me with their money.
My friends never did business with me.
My colleagues outcasted me.

Which led me to have imposter syndrome every single day.

"Who am I to give financial advice?"
"Should I just get a normal job like everyone else?"

I knew people making 10x what I was.
Most of them in my friend circle.

And I couldn't even convince my parents to become clients.

But I didn't quit.

I showed up.
Learned everything I could.
Grinded when nobody was watching.

Because I knew I had the potential.

Now?

My entire family are clients.
Friends I grew up with are clients.
I've poured thousands back into this business.

Best of all, I don't question *if* I'm going to be succesful. 
To me, it's *when*.

I'm not done yet. 
And I'm a hell of a lot further than $23.85.

What kept you going when everyone doubted you?

I've talked to 11 people in the last 2 weeks who hate their jobs.

All of them want out, but I bet $50 none of them will leave. 

All of these conversations have the same premises:

"I was sold a very different dream."
"I realized there's nothing at the top."
"I do a good job, and I'm rewarded with more responsibilities."

So what's stopping you?

"I have a mortgage."
"I've got kids to feed."
"My spouse doesn't work."
"I can't afford to take that risk right now."

I get it. Responsibilities are real.
Bills don't stop because you're unhappy.
And the job market is in turmoil right now.

Forgive me for being the voice that others are too scared to say out loud.

But here's the hard truth:

You have two options.

Option 1: Accept it.

Stop complaining about your job.
Stop dreaming about what could be.
Make peace with the path you're on.

There's absolutely nothing wrong with choosing stability.
But you don't get to be miserable for choosing it AND do nothing about it.

Option 2: Work 10x as hard and jump ship.

Wake up earlier.
Have a 5-9 before your 9-5.
Sacrifice weekends for the next 2 years.

It's going to suck.. it's going to be the hardest things you've done.

You'll be exhausted. You're eyes are going to be baggy.
You'll be Nespresso's top consumer.
And your free time disappears.

But eventually, you'll have options.
And options = freedom.

I have no children. 
But I have a to-be wife, a mortgage, and staff to pay.
My responsibilities might be slightly less worrying, responsibilities nonetheless.

But throughout my career, I've learnt:

You cannot stay comfortable while being miserable.
You either accept where you are or you fight to change it.

But you can't do both.

So which one are you choosing?


P.S: I'm looking for 3 people in Q2 who believe that they are meant for more, and believe they are the Option 2 path-takers. DM me "Option 2" and I'll reach out to see if my team can help.

I'm stuck between a rock and a hard place.

Would you rather get licensed, work for a big box firm with a steady paycheck, with no ownership to gain experience?

Or

Would you get licensed, bet big on yourself with a variable income, have 1:1 mentorship with full ownership and gain experience along the way?

Asking for a friend.

P.S: I'm looking for the latter.

As of today, I have $8,945 in credit card debt, but $100,000K+ saved for a wedding. I could pay off the debt, but I choose not to. Here’s why:

Leverage.

Most people hear “credit card debt” and immediately assume irresponsibility.
But here’s what they miss:

→ That balance is on a 0% APR promo.
→ Earning more than the interest I’m being charged 
→ The money I could’ve used to pay it off? It’s marked for my wedding.

This is what most people never get taught:

Bad debt drains you.
Credit cards at 22%, high-interest loans, buy-now-pay-later traps.

Good debt buys you time, leverage, and flexibility.
Used correctly, it accelerates wealth.

I’m not saying go rack up cards.. although I did open 2 new cards for the bonuses.

I’m saying—understand the strategy.

I'm so excited to payoff the debt and see that $0.00.
But it’s not the smartest move financially, at this moment.

The goal isn't to avoid debt at all costs.
It’s to learn which debt builds and which one buries.

Because the difference?

Could be the reason someone stays stuck at $80K/year...

While someone else builds a million-dollar net worth off the same salary.

P.S: Just got approved for the United Club Business and Hilton Aspire Cards. Any cardholders wanna share their experience?

7 months into working with me, and she forgot about her RSU's from 2016.

They're -45% from her vesting date.

Here's what happened:

Client works for a renowned CRM company.
She got RSU's as part of her comp package. Typical.

Vested. 
Held onto them.
Never looked at them again.

Fast forward to now:

The stock tanked 45% since it IPO'd.
Most of her tax lots are down 60-70%.

She's sitting on a $60K loss she didn't even know existed.

It's normal.

Tech employees get RSU's and treat them like free money.
and they implement the "Vest-and-Hope" Strategy.

This happens more than you think.

But you see, RSU's aren't diversified.

They're tied to one company.
And if that company tanks, you lose.

So what did we do?

→ Tax-loss harvesting to offset her gains elsewhere.
Sold enough of her portfolio to offset some income tax and use the rest to offset capital gains tax.

→ Rebalanced her portfolio so she's not overexposed to one stock.
Something better to manage risk that's cost efficient, and meets their goals.

She went from sitting on dead weight to using that loss strategically.

RSU's are part of your compensation.
Not your investment strategy.

The moment they vest, you need a plan.

If you haven't touched your RSU's in years, 
you might be in the same boat.


P.S: If you need an RSU review/strategy and have no idea where to start, Dm me "RSU" and we can explore if working together is a good fit.

My client missed out on $47,300 in 2 years.

Despite working with my team.

He came to me in 2022:

• Switched jobs for higher pay.
• RSU's vesting over 3 years.
• 30% salary increase.
• Chunky sign-on bonus.

He was motivated to get everything in place financially.

But then he got cold feet.

The signs were all there:

• Kept pushing off meetings
• His internet would be down
• Expenses kept coming up
• Work kept him busy

Eventually, he ghosted us.
No replies for 12 weeks.

I gave up.

Cut to September 2024. He finally replied.

2 years later.

"Hey Omkar, hope all is well. I finally had a chance to sit down and analyze your plan."

I reconnected with him, excited to chat.

But his situation was completely different:

Got married.
Lived the same college lifestyle.
Bought a house he couldn't afford.

I couldn't take him on as a client.

Here's what he lost in those 2 years:
1. $12,500 in Roth contributions that would've grown to $18,200 at 8% annual return.
2. $15,000 in tax deductions he could've claimed.
3. $3,000 in interest he paid that could've been avoided.
4. $10,600 in RSU growth he missed by not rebalancing when he should have.

Total: $47,300.

Gone. Because he waited.

Don't be this guy. 2 years is a long time to pay for cold feet.

Credit card points are a scam.

No single card has all the benefits you want.

• Chase Preferred has great travel partners.
• Amex Platinum has lounge access.
• Capital One has hotel transfers.

So what do you do?

You open 3, 4, 5 cards to "maximize" your points.

Now you've got 47,000 points with Chase, 32,000 with Amex, 19,000 with Capital One.

None of them are enough to book anything good.

So you're stuck waiting, accumulating, spreading yourself thin across multiple programs.

And to actually maximize points, you have to spend a ton of money.

"Earn 5x on travel!"
"Get 3x on dining!"

Cool.

I need to spend $20,000 to earn enough points for a $600 flight?

That's not a reward.

That's just spending money with extra steps.

I've had clients tell me they opened 6 credit cards in one year, chasing sign-up bonuses, trying to game the system.

And now they're juggling payment dates, annual fees, and point expiration dates like it's a part-time job.

(Some are scared to close accounts because it'll affect their credit score)

All to save $400 on a vacation they could've just paid for.

If you're spending money you wouldn't normally spend just to earn points, you're not winning. You're getting played.

Pick one card, use it for everything, pay it off every month.

And if you want to travel, save the cash.

Points aren't free money. They're a loyalty tax disguised as a reward.

Every other Friday, you wait for that $5,231 paycheck.

But by Monday... that paycheck goes poof.

It's a repeat of the same things:

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

Payday arrives—
And quicker than that, the $$$ disappears.

Because here’s what happens:

→ The Chase bill hits.
→ The car payment auto-drafts.
→ 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.

Real Estate Investor and CEO at MAK Capital | Luxury Storage Developer | 200+ CRE units | Financial Freedom Mentor

I’m Marc Kuhn and in 1994 I started my construction career with my Dad. I started at $1 per hour and got a $1 raise every year as I worked for my dads construction company. 

In 2010, I left my hourly job with $2,500 in my bank account. 

I started my entrepreneurial path and opened MAK Construction, my first business. I’ve grown the construction company to over $25 million a year. We develop commercial projects both 3rd party and investment projects for our investors. 

Since 2018, we have added over 200 units in the Midwest. The benefits of real estate have given me the freedom of time. My goal is to help investors reach financial freedom through real estate. 

Today I own and operate three successful companies that do eight figures a year. 

https://linktr.ee/marckuhn?fbclid=PAAabPuGTp9yBQf1LtvPMccAGv2W9DDPWjJCYvxn3mKnV12VKxsr7s0g8Lc18

2010: MAK Construction: Build and Manage Construction Projects. 
www.makconstructiongf.com

2020: MAK Capital: Let’s passive investors invest in real estate projects beside us! 
Unfollow the herd newsletter: 
www.makcapitalgf.com

2020: CK Agency: Manages Multifamily and Storage properties. 
www.ckagencyllc.com

Marc Kuhn

He built 480 hotels. One a month for 40 years.

He's North Dakota’s first billionaire: 

Meet Gary Tharaldson.

His wealth didn't come from chasing trends or hype. Just one simple "boring" business, repeated relentlessly.

In 1982, he bought a single Super 8 in Valley City

His business philosophy was a simple mix of grit, playing the long-term game, and perfecting his process for acquiring and operating profitable hotels.

Over four decades, he scaled small, no-frills hotels across the country.

In 2006, he sold 130 of them to Goldman Sachs for $1.2B.

Then he took that money and doubled down:

→ Land
→ Ethanol
→ Commercial development

Now he’s the richest man in North Dakota.

People ask why I don’t chase 20 deals a year. Because I’m not playing the volume game.

I want 4–5 real estate projects a year that:

→ Fit our model
→ Hit our returns
→ Scale with our playbook

That’s how we’ve built MAK Capital and Mega MAK Storage:

Boring, repeatable, high-demand luxury storage facilities where demand outpaces supply.

Tharaldson proved you don’t need to be exciting to build real wealth.

You just need a boring play you can run with discipline for the next 20 years.

What’s your "boring" game?

--

♻️ Repost to inspire an entrepreneur in your network
📌 Reach out if I can be a resource Marc Kuhn

I was "dumb" enough to drop out of college at 22.

12 credits short. No backup plan.

Dumb enough to start MAK Construction with $2,500, bidding on jobs I wasn't qualified for.

Everyone around me had an opinion about it.

"You need a degree."
"You need more money saved."
"You need a safer plan."

I ignored all of it.

Instead I built a concrete crew from scratch.
Invested every dollar I made back into the company.
Started multiple businesses along the way.
Started investing and developing real estate.
Asked people smarter than me for help.

And kept betting on myself when nobody else would.

That "dumb" kid built a $65M portfolio, an awesome portfolio of companies with amazing people, and a pretty damn good life.

Reminder for anyone betting on themself:

When people project their fears onto your decisions, don't confuse it for good advice.

Take risks.
Bet on yourself.
Unfollow the Herd.

That's my best advice after 15 years of doing this for myself.

What's a decision you made that people called "dumb" for that ended up paying off?

--

♻️ Repost to spread the wealth with your network

Follow me Marc Kuhn for daily posts on real estate, wealth creation, and entrepreneurship.

Unfollow the Herd

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Give me a follow and check out my free newsletter: marckuhn.substack.com

MAK Capital

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CEO @ MAK Capital | CRE Developer | Guiding You to Wealth with Passive Investments in Luxury Storage & Multifamily Real Estate

10 years ago, a $200K job felt massive. Today, we do $500K jobs just to stay busy for the month.

That shift didn't happen because I got better at concrete. It happened because I learned to let go.

At 27, I thought I had it figured out.

I was making over $250K a year, building my own house, and finally "successful."

I truly believed that was the peak.

But I was also stuck at $1M in revenue because I was the bottleneck in everything. I had to:

→ Approve every bid
→ Oversee every pour
→ Warm up the skid steer for 10 minutes every morning

Breaking through that $1M ceiling required me to do things that felt completely wrong:

→ Hire foremen, trust them to run jobs without me
→ Pay people who had more experience than I did
→ Let someone else drive the equipment
→ Take on projects I didn't have the track record for yet

At every level, I had to let go of something that got me there. 

That's how it should be.

The version of you that got you here won't get you to the next level.

You have to let that person go.

Have you gotten to this point in your business yet?

A contractor making $120K with 3 rentals is wealthier than a Doctor making $500K with no assets.

The lesson to learn early:

Income stops when you stop working.
Assets don't.

I learned this the hard way.

For the first 5-6 years of building MAK Construction I earned good money and kept almost none of it.

Every dollar went back into equipment, payroll, and materials.

I was funding a business that needed me to show up every day to survive.

The shift happened when I started buying real estate with construction revenue.

Then storage development with real estate cash flow.
Then a drilling company with storage cash flow.

Each asset funded the next.
Each level required me less.

Today MAK Capital manages a $70M portfolio, builds and operates 100k sq ft luxury storage properties, and earns without linearly trading time for dollars.

That progression took 16 years.

But it started with the decision to stop spending what's left and start buying assets first.

How long did it take you to understand the difference between earning money and building wealth?

--

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99.9% of millionaires I meet don't have a podcast.

They own "boring" assets.

A plumbing company in Fargo. An HVAC business that's been running for 20 years. A handful of rental properties they bought when nobody else was buying. A gas station off the interstate that prints money while they sleep.

I cross paths with wealthy people as a construction CEO and developer in the Midwest.

They're not on LinkedIn talking about their morning routine.

They got their hands dirty, built something real, and quietly stacked assets that cash flow, appreciate, and run without them.

That's the blueprint nobody talks about because it's not glamorous enough to go viral.

Build a business that solves a real problem in your market. Use the cash flow to buy assets. Use depreciation on those assets to lower your taxes. Build systems until the assets make money without you.

Then you're not trading time for money anymore.

A 9-5 gives you a paycheck until it doesn't.

Boring cashflow businesses and a real estate portfolio gives you your life back.

The wealthiest people I know in the Midwest didn't follow the herd.

They just never stopped building.

What's the most quietly wealthy blue-collar business you've come across?

--

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I write weekly guides on building wealth with real estate, blue-collar businesses, and high net worth strategies.

Join 5,800 readers: marckuhn.substack.com

A doctor making $500,000 a year can still be broke.

I don't mean cash poor. 
I mean wealth poor.

Here's the difference:

Income is what hits your bank account when you work. Wealth is what hits your bank account when you don't.

The doctor earns $500K.

But if he stops working tomorrow:

- Income stops
- The mortgage still runs
- The car payments still run
- The lifestyle still runs

He's not wealthy. He's leveraged to his own labor.

I grew up without money.

So when I started making real income in construction, the first thing I did was study the people who had actual wealth.

Not high earners. Owners.

What I found:

→ Wealthy people own assets that produce income
→ High earners trade time for money

The gap between the two isn't income level — it's ownership.

You can earn $500K a year and build zero wealth.
You can earn $80K a year and build a $10M portfolio.

The variable isn't the paycheck.
It's what you do with it.

- Are you buying assets or liabilities?
- Are you building equity?
- Does 100% of your income require your time?

Those questions will tell you exactly which path you're on.

I didn't figure this out until my late 20s.

When did it click for you that income and wealth are two completely different games?

--

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At 30, I said Yes to every real estate deal I could.

At 36, I say No to 15-20+ deals a month.

Grew MAK Construction to $30M revenue saying Yes.
Grew MAK Capital to a $60M portfolio saying Yes.

Yes to building houses.
Yes to the random real estate deal.
Yes to anything that would pay the bills.

That’s how most people start: Hustle Mode

But what gets you from $0 to $10M won’t get you to $100M.

At some point, saying yes becomes a liability.

You say yes to too many things, and suddenly:

You’re busy, but not growing.
You’re working harder, but not wealthier.
You’re stuck in the weeds, missing the bigger picture.

In 2026, I’m saying No more than ever.

• No to building 10 homes (eats time, doesn’t scale)
• No to chasing small deals and shiny objects
• No to being everywhere, for everyone

Instead, I’m doubling down on:

→ Luxury storage developments in markets we love
→ Large multifamily projects, strategic acquisitions
→ Scaling what’s working—without spreading thin

Saying No to 10 small projects so I can say Yes to the 1- 2 large opportunities that move the needle.

Great things are built by doing less, better.

Are you in the Yes phase of your career? 
Or are you in the "less is more" season?

--
♻️ Repost if you're saying No more in 2026

📌 Join 5,200+ investors getting real estate, business, and wealth-building insights in my weekly Saturday newsletter: marckuhn.substack.com

I ran a $20/mo experiment on one land parcel.

It leased our storage units 40% faster:

50% of self storage units = no heat.
Other half the units = climate-controlled.

Same location, development, and marketing.

The climate-controlled units leased up 40% faster and commanded a rent premium that held every single month.

For the extra operating cost of about $20/month per unit in utilities.

That was it.

That one test became the proof of concept for what is now a 500,000 sq ft self storage portfolio.

Not a spreadsheet model. Not a mentor's advice.

A real experiment, with real numbers, on real dirt.

Most people chase asset classes based on what's trending on YouTube.

We built our Mega MAK Luxury Storage product around what I could physically test in my own backyard of Grand Forks, North Dakota.

→ Climate-controlled leased faster than standard
→ Better tenant profile came with the better product
→ Higher rents with almost no incremental expense

That's still how I operate today.

Build. Test. Look at the numbers. Scale what works.

What small tests have led to massive results in your career or business?

--

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DM me "storage" to learn more about investing in the luxury storage asset class.

Buy cool sh*t with cash flow. Not your paycheck.

"If you can't buy it twice, don't buy it once"

Here’s the old American Dream:

→ Go to college
→ Work 40 years
→ Max out your 401(k)
→ Retire when your knees hurt

Then maybe…enjoy life.

I chose a different path:

• Dropped out with 12 credits left
• Started pouring concrete
• Built a construction company
• Used the profits to buy real estate

Now I’m 36.

After 15 years of building on the "uncommon path", I run a $30M+ business portfolio and own $60M+ in real estate.

Flexing on social media is not my thing. 

My hope is that people see a North Dakota guy who built freedom to inspire others so they do the same.

Here’s what I’ve learned:

1) Job security is a myth.

One boss, bad quarter, or VC can remove your income overnight.

2) Trading time for money is a trap. 

Value your time + ownership > salary.

If your plan is to get 3% inflation raises, buy liabilities, stuff 10% in a 401(k) and that's it...you won't hit freedom until you're 70.

3) Climbing the ladder is a treadmill.

High income ≠ freedom. Especially if you inflate your lifestyle, costs, and buy liabilities like the majority of high-earners who never reach freedom.

If you want REAL freedom, start here:

→ Learn a skill that pays well
→ Live lean and don't buy on credit
→ Buy 1 cash-flowing property
→ Reinvest into another
→ Repeat for 10 years

It’s not sexy.
It’s not fast.
But it works.

In Unfollow the Herd newsletter, I broke down "The Dangers of a 9-5 Career Path" for 5,200 people.

Read it free here:
https://lnkd.in/gXdu2FKZ

I didn't fear losing my paycheck in my 20s.

I feared keeping it for too long.

By the time I was 20, I knew I didn't want to take the “safe path” that I saw ahead of me in life:

• Work 60 hours a week
• Stack liabilities with no assets
• Take a 2% annual raise, maybe a bonus
• Retire when I'm too old to enjoy it

So I made a choice, and it led to starting multiple companies and becoming a commercial developer.

"Do I keep playing the game I was handed? Or learn the game wealthy people actually play?"

Along the way, I figured out that anyone can learn how to build wealth if you knew where to look...

• I found operators. People who owned real businesses. They showed me how to build companies that could run without me grinding 24/7.

• I studied the wealthy. Real estate. Ownership. The tax code. Entity structures. Leverage. The things no one teaches in school, but wealthy families teach at the dinner table.

• I learned by doing. Made mistakes. Lost money. Said yes before I was ready. Every deal, every hire, every tough call made me sharper.

You don’t need to quit tomorrow.
You don’t need the perfect plan.

You just need to start studying the right game.

• Follow the people who own assets
• Learn how they operate, invest in relationships.
• Build or invest for equity—not just a paycheck.

Figuring this out unlocked a whole different part of my brain. When I was a kid, growing up some of the time in a trailer park, you don't think "I can build wealth"

But turns out, it's possible if you reprogram your mind to believe it and put reps over many decades.

What forced you to get serious about building your own path as an entrepreneur or investor?

Fear of being broke is a common one.

Marc Kuhn

Everyone's chasing Austin. Phoenix. Charlotte.

Why are we investing in rural North Dakota?

The numbers make more sense than anything I've seen in a sunbelt market.

Land in the Midwest runs 60-70% cheaper than coastal metros.

Permitting is faster. Local politics are predictable.

And the premium tenant we need for luxury storage are everywhere.

- HVAC contractors who need climate-controlled space
- Electricians and plumbers storing equipment
- Small business owners who can't afford industrial leases
- RV owners who want real security — not a padlock

They're not just in big cities. They're in every mid-sized market in America.

That's where we build.

Not because it's flashy.
Because the math works.

→ Lower land cost means better YOC from day one
→ Less competition means faster lease-up
→ Business-friendly states = fewer regulatory surprises

Everyone piling into the same sunbelt corridors is competing for the same land, the same permits, the same tenants.

We're in markets where we're often the only luxury operator in town.

You stop following the crowd to where the hype is.
And you start going where the numbers are.

What's a market everyone else is ignoring that you think is underrated right now?

--

DM me "storage" to learn more about the Midwest luxury storage opportunity.

A friend called me and asked if I could install a ceiling fan for $300. Saying Yes changed my life.

That night I told my wife: "I think I could actually make some money doing this."

I was 21. Recently fired from my W2.
We'd just sold her car to cover bills.

The next move: ask my future mother-in-law to co-sign a skid steer loan.

She handed me the paperwork and said: "This is the last time you ever ask me."

That was the last time I asked anyone for a handout.

Here's what happened after that $300 fan installation:

- First winter: grinding snow removal
- Chelsie suggested a home show (almost skipped it)
- Walked out with 70+ leads
- Booked out for a full year
- Hit $1M in revenue

Then I started a concrete division.
Then upsells and better clients.
Then real estate investing.
Then luxury storage development.

16 years later, multiple companies, a team of 50+, growing real estate portfolio, and growth ahead for MAK Companies.

→ It all started with a $300 job I wasn't qualified to do
→ The first step was embarrassingly small
→ The compounding took 16 years to show up

You can't build anything great (company, real estate portfolio, wealth) from a standing start.

You build it from wherever you are right now with whatever you have right now.

Even if that's a borrowed truck and a ceiling fan you Googled how to install.

What was your version of the $300 fan installation — the embarrassingly small first step that led to where you are now?

--

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My first luxury storage build proved the model.

63 units. 56K sq ft. Grand Forks, ND.

• $45,000 gross income every month.
• $13,500 cash flow after debt service.
• 28% expense ratio.
• 90-100% occupancy.

That one facility gave me the confidence to build our next six Mega MAK Luxury Storage properties.

Most people think luxury storage means Porsches and exotic cars.

Our tenants are HVAC contractors, Shopify operators, and small business owners storing $50,000-$75,000 in equipment.

They don't negotiate rent.
They don't default.
They don't leave.

When your equipment is your livelihood, you pay on time every month without being asked.

That insight changed everything.

The right tenant doesn't just improve your collections.

It changes how the asset performs through every part of the cycle — good markets and bad.

We took that same playbook and built it into a $70M portfolio across North Dakota, South Dakota, Iowa, and more U.S. locations to come.

It started with one experiment on one parcel in Grand Forks.

Have you ever had one experiment that lead to one of your biggest long-term wins?

--

DM me "storage" to learn our process for building, operating, and investing in this asset class.

The hard truth about financial freedom:

The world wasn't designed for it.

If you want to pay your bills, build wealth, and step off the 9-5 hamster wheel to buy your time back...

You'll first have to understand it the system you were raised by wasn't designed to make you financially free.

Not grade school.
Not high school or college.
Not most well-meaning life advice.

None of them are focused on teaching you how to become free.

It was designed to get you to:

- Trade your time for income
- Spend that income on a lifestyle
- Save whatever's left (if anything)
- Give your best years to a company
- Retire when you're too tired to enjoy it

It's designed so you help build toward's someone else's goals.

Your labor builds someone else's equity.
Your spending builds someone else's revenue.
Your savings sit in instruments someone else manages for a fee.

I grew up in a house that never talked about assets, equity, or leverage.

But I watched people around me spend 40 years doing everything right by conventional standards...and end up with almost nothing they actually owned.

That was enough.

The one thing that changes the math:

Ownership.

Ownership of something that produces value whether you show up or not.

→ A business with systems that run without you
→ Real estate that generates rent while you sleep
→ Equity in assets that appreciate while you work on the next thing

I'm not special.

I didn't have connections, capital, or a college degree.

I just decided that ownership was my goal and said I'd learn whatever skills I needed to in order to achieve it.

Ownership of my time.
Ownership of my future.
Ownership of my work.

Yes, ownernship in assets that paid me and grew in value. But even moreso the ownership of my life and where I wanted it to go.

Was there a moment you decided you were going to own your future — and changed your actions to get there?

--

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What's the difference between making $10,000 in your 9-5 job and $10,000 from real estate?

$10K paycheck:

• Taxed at 40–50%
• Trades hours for dollars
• Stops when you stop working

$10K from a real estate deal:

• Taxed close to zero with depreciation
• Keeps paying you while you sleep
• Grows equity in a real asset

Most people spend 40 years chasing the paycheck.

But freedom is on the otherside of ownership.

I learned this in my early 20s. Started trading my time pouring concrete, building a construction company.

But the smartest thing I ever did was buy my first office building and lease out the unused space.

"Holy sh*t I didn't know you could do this."

The tax benefits in the first year alone were enough to get me hooked and eventually start MAK Capital in 2020, going all in on multifamily and luxury storage.

Since then, we’ve built and acquired $60M in commercial real estate across the Midwest.

And every time we pay out investors from a property we own...

I’m reminded: 
That $10K from a real estate deal is more than money.

It’s time back with my wife and kids.
It’s leverage for creating generational wealth.
It’s doable to go from $0 to millionaire with time.

Don't get caught in the earn a lot, spend a lot game.

Use a paycheck to buy assets and become an owner. 

That's the game.

What was your first “aha” moment that made you realize real estate was the path to real wealth?

--

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Public Storage doesn’t own 100% of its facilities.

Marriott owns less than 6% of its hotels.

These $50b+ companies see the biggest opportunity in:

• Owning the brand.
• Controlling the operations.
• Licensing and franchising.

This is where we’re taking MAK luxury storage inside our development company.

For years, self-storage was a commodity business.

• Cheap facilities
• Little to no branding
• Premium options were hard to find.

But we saw something different in 2019 when we broke ground on our first luxury storage development.

• Business owners needed contractor shops.
• E-commerce sellers needed fulfillment space.
• People need secure, climate-controlled storage for their boats, RV, and assets.

But the crappy tin can storage units didn't serve their needs.

So we built the Mega MAK Storage brand and started talking about it on podcasts, LinkedIn, and with our investors.

We're not just building a business, we're leveraging a brand and blueprint that lasts for generations.

Our goal is to build 5-10 million square feet of luxury storage by 2035.

My biggest lesson so far?

Don't wait for opportunities to come to you.
You're better off creating them for yourself.

What opportunities are you creating for yourself in 2026?

--

Want to learn how we're expanding the luxury storage space in 2026?

Read today's update in Unfollow the Herd: https://lnkd.in/gwSmVgcm

What percentage of 401k accounts have at least $1,000,000? (I'll tell you): 
 
1.6%. 
 
I recently ran across this number in an article that analyzed 401(k)s at Fidelity 
 
I knew the number of "401(k) millionaires" in the U.S. was low — but I didn't realize it was that low. 
 
And the crazy thing? 
 
The article talks about how that number was "surging"...all the way up to 1.6%. 
 
And then the kicker: 
 
Another Fidelity study showed that workers estimate they'll need ~$1.8M to retire comfortably. 
 
So by those numbers, about 98.4% of Americans won't be able to retire comfortably with their 401(k)s. 
 
𝗛𝗲𝗿𝗲'𝘀 𝘁𝗵𝗲 𝘁𝗵𝗶𝗻𝗴: 
 
The number of 401(k) millionaires is so low because wealthy people build it through businesses and real estate. 
 
→ 401(k)s won't give you cash flow 
→ 401(k)s won't give you depreciation 
→ 401(k)s won't give you 1031 exchanges 
 
If you're relying on your 401(k) alone... 
let this be a wake-up call. 
 
It's a tool, not the complete plan. 
 
This is why I diversify with real estate 
(using a self-directed IRA). 
 
So should you. 
 
-- 
 
P.S. Are you an accredited investor? 
 
DM me "storage" and I'll share how our LPs diversify with commercial real estate

He turned $400,000 into a $1 trillion empire.

Stephen Schwarzman didn’t wait for perfect timing.

In 1985, he walked away from his Wall Street job with a mentor, a whiteboard, and $400,000 in seed capital from his own pocket.

No AUM.
No name recognition.
Just conviction.

But two years later, his dream of building the best investment firm in the world was almost destroyed.

Black Monday hit on October 19, 1987.

The Dow Jones fell by 22.6% in a single day—the largest one-day percentage drop in its history.

Markets crashed.
Wall Street panicked.

But Schwarzman raised Blackstone’s first $800 million fund during the chaos.

In 2025, Blackstone is now the largest alternative investment firm in the world—owning real estate, private equity and credit across the globe.

If Schwarzman was like the average investor, turning a market crash into an excuse to stay on the sidelines, Blackstone wouldn't exist today.

→ $1 trillion in assets
→ Dozens of billion-dollar deals
→ A personal net worth of around $43 billion

He didn’t build in the boom. He built through the biggest crash in history at the time.

The lessons for all entrepreneurs:

You don’t need perfect timing. You need a playbook and skills that work in any market conditions.

What skills are you building that can outlast any market downturn?

--

♻️ Repost to inspire an entrepreneur in your network
📌 Reach out if I can be a resource Marc Kuhn

I took on debt to grow my company and real estate portfolio in my 20s with a wife and baby.

Some LinkedIn guru would call that reckless.

I call it the best financial decision I ever made.

We've been trained to believe stability comes from employment.

But true stability comes from ownership.

A job is a single point of failure with someone else's finger on the trigger.

Think about what you actually own at a W2:

- Your employer can eliminate your role tomorrow
- Your income stops if your body stops
- Your raises are decided by someone else's budget meeting
- Your retirement depends on a market you don't control

That's not stability. That's outsourced financial control dressed up as a benefits package.

I'm not saying quit your job tomorrow.
I'm saying understand what you're actually trading.

You're trading ownership, upside, and control for the feeling of security.

Meanwhile the people signing the front of your check are compounding equity you'll never see.

→ The risk of building something is real but finite
→ The risk of building nothing compounds forever
→ Playing it safe is the longest path to being broke

I started with $2,500 and a mother-in-law who co-signed one loan and told me never to ask again.

Today MAK Companies and our real estate assets are worth close to 9 figures 16 years later.

The riskiest thing I never did was keep that W2.

At what point did you stop seeing a job as security and start seeing it as a ceiling?

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When you start buying RE: "How can I afford this?"

When you scale (100+ units): "How can I structure this?"

After my first few rental properties, I realized another duplex wasn't the move. 

I wanted more scale, large multifamily and commercial properties. Ground up developments leveraging our construction company.

But first, I had to make a mindset switch that every new real estate investors goes through (if they want to scale their portfolio).

I stopped asking if I could afford a 20% down payment.

I started asking how I could structure it with seller-financing and other strategies the top 1% of investors were using.

Early in my career I looked at deals the way most people do.

• Do I have the down payment?
• Can I qualify for the loan?
• Is this the right time?

That thinking kept me smaller than I needed to be.

Then I started studying how deals actually get done.

Not how banks want you to do them.
How operators actually do them.

Seller financing, creative loan structures, joint ventures, capital from people sitting on cash earning 3% in a money market.

In 2025, I bought $4,700,000 in real estate for $17,957 out of pocket.

Not because I was lucky.

Because I stopped asking "can I afford this?" and started asking "how do I structure this so I can?"

→ Conventional thinking produces conventional results
→ The right deal structure creates value
→ Creative financing is a skill

The people I know who built real portfolios that pay their bills every month weren't smarter than everyone else in the room.

They just asked different questions.

What's the deal you almost didn't do — and what changed when you looked at it differently?

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♻️ Repost to spread the wealth

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The Battle

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