Ep 607 – A Blissful Investor’s Slow And Steady Approach To Real Estate Wealth With Moneeka Sawyer

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This is the no Closer show where you get the latest developments in distressed note investing and learn the secrets of how you can control millions of dollars worth of property for pennies on the dollar. Get educated and entertained by someone who has closed thousands of deals and lives to support you in achieving the same. Now, here's your host, CEO of We Close Notes, Scott Carson.

Hi, I'm Monica Sawyer, the Blissful Millionaire. And today I am so excited to be with Scott on the Note Closure show. And I'm going to be sharing how did I stay blissful even when all my properties went completely upside down?

Good morning, good afternoon, good evening, everybody. Welcome to this episode of the Note Closure Show. As always, Scott Carson. Excited to be here with the day. And it's always great to spend time when you're with somebody who also has a big passion for helping people succeed, a big, huge heart for helping other people overcome obstacles to find the real estate deal or the system or the money that will help make all their dreams come true in a variety of ways. And let's face it, real estate is not always the easiest game out there, but when you start putting systems in place, it gets a whole lot easier to not make it a get rich quick, but also to build wealth long term. And. And today's special guest is a friend of mine who has done just that. She's known as the Blissful Millionaire. She's reached her financial freedom by turning 10k to over $2,000,000 working only 5 to 10 hours per month with very little stress. She's now on a mission to help many other women and she can do the same thing. She's the host of the top rated podcast radio show Real Estate Investing for Women, has interviewed so many prestigious guests I won't go into, but including Lisa Gibbons, Dr. Joe Vitel, Hal Elrod, and a whole bunch of others. You've also probably seen her on all the major networks reaching over 150 million people. So I'm honored to have my friend Monika Sawyer join us on the Note Closure show today. What is going on? Monika?

Hi there, Scott. Thank you so much for having me on. This is going to be so much fun.

Oh, yeah, definitely. So we were talking before we record this, we run in a lot of different circles in real estate and podcasting and marketing and just like meeting an old friend, somebody you just know like, ah, I feel like I've known you forever. We've got a lot of things in common. So you've done an amazing job really building your systems in place and really building wealth on that. Let's talk a little bit back to that. Let's take a page back in time here a little bit and talk about kind of what happened at the very beginning to kind of what made you want to get into real estate investing from what you were doing beforehand. Let's talk about some of those earlier stepping stones to success. How's that sound?

You got it. So I'm going to tell you kind of as quick as I can, the story about what brought me to where I am today. So my story started before I was even born.

You were twinkling your father's eye, right?

It's so true. So my parents had an arranged marriage. They're from India. They came to the country as immigrants with $200 in their pocket. And they had heard that the golden ticket to wealth in the United States was to buy real estate. So when I was born, you know how you are when you're a new parent. Right. They were filled with hope and joy and excitement, and they wanted to create something amazing so that they could give me the life that they wanted from you. Right. So they started to save all their nick and dimes, and within three years, they were able to buy their first rental property. So fast forward 15 years from there. They had had two more children, and they were able to then pay for my college education through real estate. They did the same for my two sisters. They paid for all of our weddings. And now fast forward even more. They're living in incredible retirement where they've traveled to like 80 countries. They're just having an amazing life. So I really saw what real estate could do. However, I also saw how much stress it caused my dad. Right. We hear all about this, right? The toilets, the rodents, the tenants, the mortgages. Oh, my goodness. So I saw all that stress for my dad. So when I graduated from college, it was a recession. I was completely freaked out. But I did not want to do real estate. I was determined. I did not want to have that kind of stress in my life. Right.

The inner control. Freaking all of us. Yeah. Had to kill that person at some point in our minds, right?

Yeah, exactly. So I remember one night, I was sitting at the table trying to find a job, was sitting at the dinner table with my dad, and he said to me something that completely changed my whole life. He said, you know, Monica, everybody has stress, everybody has fear, and everybody has money problems. Do you want poor people money problems or do you want rich people money problems?

Hang on a second. That's a good one there. Let's Repeat that one more time. What did he say?

Do you want poor people money problems or do you want rich people money problems?

Love it. That's a good quote.

Exactly. And of course I'm like, wait a minute. First of all, rich people have money problems. What? And in that moment I decided. But I did also decide that I did not want the problems piece of it. Now, every business has challenges, but I was committed to keep it what I now call blissful. You know, real estate is a long term thing. My dad has been in it for 60 years. I knew it was going to be in my life for a long time. So I did not want something in my life for a long time that sucked the life out of me. Right. I wanted to make sure that it was blissful, that I enjoyed the journey as well as the results. Right? So that's when I began investing in real estate. So that's kind of how I started the journey. Now, how did I start with 10,000 and turn it into 2 million? I'll give you the real the 10,000 view on that. My husband and I were getting married. We put 5% down on our first primary residence. We let it appreciate for a few years, took the equity out of that and bought another piece of property. We waited for that to appreciate, took some equity out of that and we bought three properties. And so it went. So we basically invested very little capital after that, $10,000 to get this thing to grow. And now some of it took 20 years. I will say this, for me, it was all about bliss, right? Like I didn't want to have to worry about it. I was okay with the long path. If I had wanted it to happen faster, I just focus a little more, right? The second I could take money out, I would do it. Which didn't really happen that way, right. So it was a 20 year path for me. It could be a lot quicker for others.

But that's a beautiful thing. There is. You have a. The biggest thing I think people take from there is a yes, you want to have rich money problems, not problems. Okay. You set realistic timeframe for yourself. So many people. I'm sure this is maybe something that maybe, you know, irritates me. People want the instant gratification. I gotta have it now. I don't have any patience to what, I gotta mark it now. Give it to me now. What, I gotta mail out letters or postcards or call banks or like, okay, if you don't want to do that, you gotta understand it's a bit of a process. Right?

Right. And so this is the thing that I tell people all the time. You either have time or money, some combination and some different levels. Right. If you really want it to be blissful, give yourself time. I almost say give yourself the time to be right. Market cycle, right. So I've been through some serious cycles. Right. In 25 years. Right. Give yourself the time to recover and to be right. However, if you want the instant gratification, you're going to buy yourself another job. It's another, you know, however many hours a week, you're doing all of those things to get the instant gratification. So you choose what is it that's your priority based on your values, your lifestyle and your goals.

Yeah. The last thing you want to do is turn passion or hobby into a bad situation or a nightmare.

A J, O B. I've walked into.

Houses that I ran out of before like that too. But you know, you and I Bothette, we've got people listening out there, men and women both that are doing that. You know, they're working the 40 hour a week time frame, they're doing the job, they're wanting to dabble this on the sidelines. What are some of the best activities if they've got that five to ten hours a week? What were some of the things that you did that were really paid off in the long run for you? And then others, you know, maybe a couple other things that you recommend to people doing today.

Yeah, so I do exactly the opposite of what most of the gurus tell you to do. Just so you know.

I love that. Yeah.

I have a realtor. I've had a realtor for that. I've had a relationship for 20 years. I can be in Thailand sipping pina coladas on the beach and he'll send me a property and I can say, go get that. I trust him that much. Right. So he goes and he looks for good deals. I don't shop all the time. I shop once a year. We go out, we start looking at properties, we have some great lunches. I probably make 20 to 30 offers. Because you make your money when you buy, right. I don't get attached to any of the offers. I usually buy a property a year and then I go through that transition cycle, right. Getting it filled and all of that stuff. So I have my buy my shopping periods usually in the fall. I go shopping in October, just before Christmas. Right. So I have shopping season. I make plenty of offers, but I do it all off the mls. I'm not spending a lot of time doing the Letters and the phone calls and all of that stuff. If I want to do reos, I have him pull up all the reos. He's got access to stuff that I don't have access to. And yes, I pay commissions, but then I'm not. He keeps me out of trouble, right? So that's what I do. That's what I've always done. It keeps my life so easy. It keeps the process taking so much less of my time. If you're working full time, especially if you're an executive, right. This was my side hustle. I was an executive in tech, right. So I was easily working 660 hours a week already. I did not have a lot of time to put into this. But I wanted the multimillion dollar payoff, right. So someone else does all of those pieces for me. The other thing that I do that most other people don't do is I do executive homes. I love that.

Hang on a second. That's a great. Another nugget there. Tenant, a higher class of person in the house, right?

Absolutely. So here's my tip. Always buy a property for the kind of tenant that you want to be doing business with. You don't pick the property first and then find the tenant. You have an avatar for your tenant and then you build your business around that tenant. Now what I wanted was a tenant that was going to have pride in their home. They were going to be entertaining other executives. They need to have that house looking good and they do not want a landlord breathing down their back. So they maintain the properties, they send me the bill, we're done. I do so little. I get emails or texts from them for Christmas to say Merry Christmas and for my birthday. I don't know why they remember that, but it rocks. And I don't hear from them sometimes they'll say, you know, the water heater went out, I hired a guy to do it, to fix it, here's the receipt, I'm taking it out of rent. There's a training process that goes through that. So that's my system is that training process on exactly how I get those kind of tenants and set expectations. Not every tenants going to want to do that. They're renting because they don't want the responsibility of a house. Right. But if you've got somebody at that higher level, they really don't want you in their face and they want to be able to do everything on their own schedule. Right. They're used to being in control. They don't want to be turning control over to You. So it works. That's how I do the five to ten hours a month.

I love it. That's so smart. But you talked about a couple of things, training, a lot of you said a lot of the gurus say, oh, don't forget the Realtors. And I'm like, no, no. Especially within that space. We need Realtors to help us in writing things, help us identify opportunities, make sure we're not making a mistake. And I don't understand that on the guru, anti realtor aspect of things. I just don't get it. Why wouldn't you want to have access to the MLS then? Those numbers versus trying to. Well, I think the appraised value of the county says this, but we all know that's not accurate in a lot of places. Out there, you've got a busy schedule with what you're doing. Hey, we're gonna do this once a year. We're gonna pick up one property. Now, are you financing that with conventional financing? Use other people's money subject to deals? What's the thing that you're doing to finance that?

I do everything conventionally. Here's the deal, right? I love leverage. I put in 20%, the bank takes 80%. I get 100% of the appreciation. I just love it. And it's easy right now. Not everybody can qualify for loans. So then you look at some different things. Right? But I like the banks to take all the risk. And then I'm also not dealing with the private investors. Like, I asked you on my show some questions about private investors. Right. There's a lot of other mastery that's required to make that really work beautifully. Right. But for me, it's just been I get the properties through the lender and then I let them appreciate. I might 1031. There's also legalities, or not legalities, but there's also lenders will only loan so much and so many loans, and there's all that stuff, too. Right. So I take that all into consideration on how I turn my properties and that sort of thing. But it's all conventional lending.

Well, the beautiful thing is interest rates right now that I've given money away, I mean, cheaper than any right now, and then leveraging it to make a decent return on investment. If you understand the power of leverage and that's such a valuable tool and resource to have. Are all your properties roughly around where you're located? Are they out of state, anywhere, or what's kind of the geographic makeup?

Yeah. So I'm in San Jose, California, and all of My properties are within 20 miles of my home, so I don't dabble in cheap properties right now. I am looking at some opportunities out of state now because I've got a bunch of cash sitting on the sidelines and I really want to get into the market. And the California market just isn't really going to work for a variety of reasons. So now I'm looking out of state and I'm learning a lot more about that and I'm excited about the opportunities, but everything I've got right now is in California. I'm looking at taking some equity lines on my properties or some cash outs and buying out of state.

Yeah, that makes sense for a variety of reasons. The markets, especially here, as we cover here, what happens and what shakes loose with opportunities on either residential, commercial stuff, There's a lot of opportunities for people out there. I don't think that the California, especially up in where you're located, I don't think it's going to take too big a hit.

It's not taking a hit at all.

Yeah, no. You know, San Francisco, San Jose, Louisiana. San Diego, I think those major markets are going to be fine for the most part in staying if not continuing to grow like crazy because of the lack of supply and the increased demand in the neck of the woods for people. I always like imagining young Monika seeing your dad going over and dealing with tenants and wanting to pull his hair out. I don't know if he's bald or got hair.

He is. He's bald.

He's bald. He pulled it all out. No.

It'S so funny you say that.

It's okay coming from a third party, right?

Totally, totally.

But I think our fathers and parents all have huge, huge impact on who we become later on in life. And obviously your parents instilled that learning and dedication and strive and hard work ethic for a variety. But also, we all take what our parents do. Like, we sure as heck aren't going to do that. What would you say in the conversations with your father when you're maybe, I mean, we're not comparing things, but talking about real estate, what's the thing that maybe you guys don't agree on in real estate? Because I'm sure there's a few things you probably don't agree on or see eye to eye when it comes to it. What are some of those?

Absolutely. My dad's really funny because he's, you know, now my dad is 89, he's turning 90 next year and he's still got property. He just can't let it go. It's like an addiction, you know, and it's so funny. So he's got a property in El Dorado Hills and it's completely paid off. So it's just rent, right, that he gets in, which is amazing. And he loses his tenants. He'll sign a one year lease and they leave in 18 months or they leave in 12 months or they whatever. And then the new ones that come in have all these demands. He's in El Dorado Hills in a gated community. Now, I like executive homes because my dad always bought executive homes. So why is it that my guys never call and they all stay 5 to 10 years and his leave every year, trash the house and then the new people come in with a bunch of demands. What's that all about? Some of it is location. Most of it is system and conversation. Right? What are my systems, what are my expectations? And how do I talk to possible tenants? And so we'll have conversations and he'll look at me and say, what are you talking about? I couldn't say that to somebody. And I'm like, well, but I do, you know, so it's really interesting that. Well, he's been in the business for 60, 70 years, right? 60 years. The way that he's done it is just different. And there's an expectation on his side of how people are going to respond. And so when I tell him what I tell my tenants, he just thinks I'm a whack job.

Thing is, you set those expectations early on. And the same thing about. I wouldn't say that. Well, why don't you give it a try?

Just try it.

Give it a try. What's gonna hurt? You still have the same tenant move out there, you gotta rehab the property or you got something that's in there a little bit. I mean, it's a different location, of course, but it's important that way. I love that. Because we evolve, we learn. There's things. My mom's like, why are you in the note business? When are you gonna get a real job? I just like, come on, mom, you understand what I'm doing.

What are you doing these days?

Are you a realtor?

No, Mom.

Never mind Mom.

That's right.

We all got that with parents out there. But that's the thing, the beautiful thing about real estate, we all expect to be in it for the long haul. There's things. 67 years, kudos to your dad. I mean, that's phenomenal. And I think so many people lose sight of the Fact that, hey, he's stuck in his lane, he's learned his lane, he's good at his lane. He's probably not trying to do a variety of other scenarios as well.

Right, right, absolutely. I'm a little bit more adventurous. Like I'm in construction. I've done some flips, I've done some other stuff just because it's fun and I get bored only working five to ten hours a month. Right. There's some fun things that come up. But dad has been all residential, very nice homes.

Yeah, well, that's the thing too. I think that's one of the big downfalls these days is you mentioned other gurus out there. So many people are teaching variety of different scenarios and systems and deal flow and so many people out there. I know you're passionate about your audience out there and I get that from people all the time. And I always go, what's your background? Well, I took up this workshop and this workshop, this didn't work. This didn't work. I was like, whoa, you gotta give whatever you're doing some time to sit in.

Yes.

What would you say to those people that are listening right now that I hate to say this, but hit the seminar cycle of the seminar circus. They got dreams of buying a half million dollar house with their Airbnb or uber income magical wand for 10 grand and it turns into $500,000 a night. We all know that doesn't exist. And then the shows are fictional. What advice would you give somebody who's maybe got a little deer in the headlights look from attending too much and seeing too much on TV or listening?

There are a million ways to make a million dollars in real estate. That's just the truth. And so what I say is do this. Figure out what your resources are. How much time do you want to spend? How much money do you have? What are your goals and what is the time frame that you want to reach your goal once you now understand they all counterbalance each other. So if you've already got a 60 hour job, you don't want to add wholesaling in, which is another 20 hour, 30 hour job or flipping. Right. It doesn't happen in 30 minutes in your high heels. Do it, you know, like on tv. Hgtv, thank you very much. That's all drama. So I love that you say that. Right. So do start by reading some books. Like if there are some things that you're like, okay, so I've got these resources, which is time, money, timeframe energy, risk aversion. Right. Your Emotional well being is a big part of bliss, Right. How much stress you can take, how good you are with numbers or whether you like people or you prefer numbers. Right. What is it that you want to do? Then start reading some books on different strategies and then. Okay, that book sounded pretty cool. Read a few more books on that. Wow, I really like that. Okay, now you hire a mentor and then stick with that mentor for at least a year, right? To just see if this is even gonna work. Don't get shiny object syndrome. Right. Or you're gonna read three books sometimes and go, wow, that kind of sucks. That seems too good to be true. Going to do some research and find out that it is. Right? So just take that time to do first, figure out who you are in the business. Then take the cheap route. Go onto YouTube, it's all free. Do a ton of research on YouTube on different strategies, what sounds good, what doesn't. Do some reading, do some research. Then pick a mentor and give it 100% of your attention at least for a year, preferably three.

I could not say it better because that's the point. So many people will not take the action. They sign up, they think it'll be easy. And you've got sit there and market. You got to learn how to find the deals in every million ways. Have a different million ways to find deals that work for it. But I think the most important thing you said is look at what and be honest about what your resources you really do have. Whether it is the money, whether it is time. Often we know it's either or a lot of times for most things. So figuring out what you can or cannot commit to and finding the mentors out there that we all need coaches. All the successful people up there have coaches no matter what level they're at. I've got a coach I talk to. I'm sure you do as well. Besides dear old daddy. Great coach there too for you. But that's the thing. Take the time and learn and hone that craft before you dive in. If it's a technique that you get excited about, great. It'll be here when you. If what you're currently working on doesn't the spin that a. Let's learn another activity and put it in your tool belt is just heavier tool belt. That doesn't help you with doing anything these days.

Well, it gets really, really heavy and it weighs you down and it's not very joyful. Let me just tell you. Right.

Yeah. And you spend all that money on going to workshop after workshop. But Workshop could be a down payment these days on a mortgage or taking over something deal or something else like that as well too. So, yeah, yeah, you've talked to so many people and been interviewed on so many great stages. What's the interview that really stuck out for me? Somebody that really maybe hit that lightning rod when you think about, oh, that was something that really has become now a true value in your real estate investing career or in your entrepreneurial journey. What's a guest or a mentor of yours that you follow?

You know, I was honored to have Lisa Gibbons on my show. And there are a lot of people that are listening that may not even know who she is. She's more my generation. She was a megastar in my time. She was on Entertainment Tonight as a guest host. So she's done very, very well for herself. And one of the things that people remember most about her is that she was very kind. And part of being blissful is really about being kind to the people around you, to yourself, and to everybody that you do business with. And she created mega stardom with that intention in mind. She does everything from a place of being kind. And so that in itself was something that was completely inspirational to me because you hear so much of the time that you need to be a shark in order to be successful. And the world, fortunately, is changing and we've seen even generations before us that you can be kind and still be really, really successful. Which is kind of how I want to things. Not kind of. That is how I'm determined to do things. So Lisa was on my show. We've been fortunate now to become friends, and I super appreciate that. But she said to me something on that show that came from her mom and she said, show up, do your best, and let go of the rest. And that's how I run everything now. I'm going to do everything I can to be the very best that I can. I keep my commitments, I'm in my integrity, I'm with my values, which means I'm kind first. Everything else is going to fall into place and it has shown to be true.

And the world needs more kindness in it right now more than anything else, doesn't it?

Yeah, it really does.

Yeah. And that's be yourself. So many people, we've all heard the quote, fake it till you make it. That comes into some sort of aspect of things. But especially in real estate these days. The and I tell people this all the time. If you're calling banks or talking to people, don't be afraid to say, hey, I'm brand new at this or I'm learning as I go. And if anybody is mean to you because of that, then you don't want to deal with them anyway.

There's a million people out there you can deal with instead. Yeah, yeah.

As I say, get rid of the a holes in your life. You'll be a lot. Look, we all have people out there that aren't going to like us no matter what we do with our age, our skin color, our sex, or what do we wear. A buddy of mine, Greg Reed, taught me a couple years ago the 33 rules. As he likes to say, there's three groups, a third that are gonna love you no matter what you do. A group that's gonna hate you no matter what you do. What you focus on is the love side and the people in the middle that don't know you. And you're a lot happier off. And that's hard too, though. A lot of people, we worry about our images, but we all worry. If we do a marketing piece, it's always like that. One or two people, sometimes a mother, mother in law has something negative to say about that. What advice would you give your audience? Put away the hater, the trolls out.

There in life, if you don't have enough haters, you're not big enough.

Say that one more time, Monika.

If you don't have a lot of haters, you're not big enough. My husband always reminds me when I see somebody give me a bad review, Monika, you need more of those. Or if someone's mean on the phone, you know, you just keep going. It's really not you. They've got something going on and just allow it to be theirs.

Yep. Let them keep that negative energy. Don't let it attach to you. Has there been a deal that struggled with a property that you purchased or just a deal that went south? That what happened? How'd you overcome that?

Yeah. So in 2008, September, I bought my dream home. I spent a million bucks. I was so excited until six months later, I had lost 50% of my value. And then my husband lost his job and we had to move. So you can imagine the terror I was like with everybody else. But I made some different decisions. Instead of selling it, instead of freaking out, I evoked my bliss practices, kept my head. We ended up renting out my dream home, which was heartbreaking, right? We moved into a place that we could afford near my husband's new job. When we walked into that home, it smelled like dog pee and wet Fur. And the whole place was spray painted gray. You couldn't even open the cabinets and the drawers anymore. And it had paint even on the appliances. Beautiful. So we fixed it up, made it livable, got rid of the smell to the best of our capacity, and we lived there because that's what we could afford. And then you fast forward five years, we were able to move back to my dream home. Within nine years, both of those properties had gone up an additional $500,000. So it was just really, those numbers are California numbers. I get it. But the point is, simply use your brain. That sounds horrible, but you know what I mean. Stick with the rational when the emotional is trying to overwhelm you. Warren Buffett says, if you can't control your emotions, you can't control your money. So remember, so much of your bliss is determined on what you can do to manage those emotions and make good financial decisions.

Thank you first of all, for sharing. Never an easy thing when you've got to swallow your pride and move something. You're like, I see this. And then I'm moving into this. I've been through that in the past as well. You know, moving from our favorite home into something that just like, ah. You know, you swallow that pride, you get through it, you realize it's a temporary situation I'm sure you appreciate more. So moving into the dream home and what you've overcome five years later and really come out smell like roses. But that's the thing. A lot of people get emotional and they don't make rational decisions. And that's. Everybody goes through stress. You just got to sit down sometimes bounce ideas off of other people, your.

Peers, peers that are not freaked out. I mean, part of what the problem was in those days is that everybody was freaked out. Right. I've actually had people come on my show and say, if you were in the market in 2008 and didn't get killed, you're lying. Well, I didn't get killed. I mean, I lost $3 million in value in my properties, but I didn't get killed. I just kept getting my rents and I waited for it to recover. Right. I gave myself the time to be right. So there are a lot of people out there that were also in a lot of fear. They were my peers. So you also need to be careful who you're taking advice from, right?

Yes, ma'.

Am. So, yeah, the people that are able to stay rational, those are the people you want to talk to when you're not feeling rational.

I love it. I love it. We could sit here and talk all day, compare and all that good stuff there. You've got a, I think, special gift that you're giving our listeners out there, correct?

Absolutely.

We'll talk about that.

Yeah. So if anybody would like to actually see what I did to turn 10 million into 2 million, I've got a report that I put together that's very transparent. So, so I bought at the top of the market in 2001. I did it again in 2008. And yeah, so, okay, I made mistakes. I also became very rich. So how did I do that? You can see that in that report. Just go to blissfulinvestor.com yeah, blissful investors.

Spelled exactly like it sounds. Go there, download the report. It's a phenomenal read. You'll get some great nuggets from it. Learn, I think especially with everything in the markets and stuff like that, I think it's a great thing to share too, out there. So if you deal with somebody who's struggling and having a hard time right now because maybe they pay at the top of the market and their market is taking a hit in different areas, very, very well worth sharing. And then I also highly encourage you to check out Monika's podcast. What's the name of the podcast again, Monique?

For those Real estate Investing for women.

And you don't have to wear a skirt to listen to the podcast, guys.

No, we do have some women's topics that men are like, well, what, so you just ignore those?

Well, but the reason I bring it up is a lot. It is. Real estate is such a male driven niche out there. If your spouse is thinking about that or looking to maybe get your spouse in the business or maybe understand a little bit more. So that's a great resource for them to listen to, especially right now. We all know, guys, if you're dealing with an issue of foreclosure dealing going as it is, they will stress, have them read the report, have them watch out and realize that there is an opportunity, there's an answer somewhere out there. They just got to go looking for it and talk about it, right?

Absolutely. Absolutely.

Monica, what's the best way for our listeners to tap into theblissfulinvestor.com or another place you prefer people to go to to find more about you?

Yeah, blissfulinvestor.com is the best place. I'm also on Facebook and Instagram. Monica Sawyer. You'll see the way that it's spelled. It's a little bit different and fun. And then there's also the Blissful Investor group on Facebook that you could join to have some conversations with other investors.

Good stuff. Well, hey, thank you so much for coming out on the Note Closure show, sharing your stories and your experience out here for our listeners in notenation and actually meeting in person somewhere at an event. We've been to enough of them that we missed out on each other, so look forward to hanging with you in the near future.

All right, Monika, sounds perfect. I'm looking forward to it too. Thank you for having me on.

All right, guys and gals that's gonna wrap it up for this episode of the no Closer Shoe. Like I said, go to theblissfulinvestor.com, check out Monika's free report there for you. How she took the 10k and turned into 2 million and became successful in what she's done. She shared so many great nuggets on how to stay really centered. I think stay focused on what your long term goals is. Don't get too freaked out by the ups and downs in the markets and how you can prepare for long term wealth and long term bliss. So as always, guys, love it. If you like, leave us a review, subscribe, but otherwise, go out, take some action and we'll see you all at the top. Everybody. Bye.