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Show Summary
In this episode of the Investor Fuel Podcast, host Michelle Kesil interviews Jeffrey Taylor, a financial services expert with 37 years of experience. Jeffrey discusses his approach to educating real estate investors on managing property equity, increasing cash flow, and eliminating debt. He emphasizes the importance of understanding amortization tables and offers strategies for doubling cash reserves and creating wealth without market losses. The conversation also covers the significance of building relationships with realtors and the educational resources available for clients.
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Investor Fuel Show Transcript:
Jeffrey Taylor (00:00)
Number one, we want to teach the buyer or seller how to get the next property and have it paid off in as little as seven years ⁓ while keeping their budget nearly the same. Secondly, we want to teach them how to double the property equity value regardless of market conditions.We want to teach them how to double their cash reserves without taxes and without market losses. And then thirdly, we want to teach them how to create cash flow or double their cash flow without the need of the tenant and without taxes.
Michelle Kesil (02:11)
Hey everybody, welcome to the Investor Fuel Podcast. I’m your host, Michelle Kesil, and today I’m joined by someone that I’m looking forward to chatting with, Jeffrey Taylor, who has been making serious moves helping to educate real estate investors and agents how to pay off their properties and create more cash flow. So,Excited to have you on the show today, Jeffrey.
Jeffrey Taylor (02:44)
Thank you very much.Michelle Kesil (02:47)
Yeah, of course, I think our listeners are really going to take something away from how you are approaching solving common problems that those in the real estate industry might be facing. So let’s dive into that. First off, for those that are not yet familiar with you and your world, can you give the short version of what your main focus is?Jeffrey Taylor (03:04)
Mm-hmm.So yeah, we have four critical areas that we’re focused on.
one, we want to teach the buyer or seller how to get the next property and have it paid off in as little as seven years ⁓ while keeping their budget nearly the same. Secondly, we want to teach them how to double the property equity value regardless of market conditions.
We want to teach them how to double their cash reserves without taxes and without market losses. And then thirdly, we want to teach them how to create cash flow or double their cash flow without the need of the tenant and without taxes.
Michelle Kesil (04:01)
amazing? What markets are you operating your service in?Jeffrey Taylor (04:08)
Yes, we are nationwide. We do most of our work via Zoom. ⁓ COVID seems to have ⁓ taken a situation and it was, we were doing online before COVID, but obviously COVID kind of forced everyone ⁓ to ⁓ a computer model. we’ve.just have kept with it. yeah, so most of our clients are, we are nationwide. And so as long as you can get to a computer, we can talk.
Michelle Kesil (04:43)
Awesome! How did you get into this role as educating and supporting people with these issues?Jeffrey Taylor (04:54)
my goodness gracious. Well, this is my 37th year of financial services.I got here from a series of scenarios. ⁓ So I’ll just share this real quickly. ⁓ In 2003, 2004, I was given a book ⁓ by one of my mentors by Rick Edelman called Why You Should Carry a Big Long Mortgage.
and never paid off. And I said to my mentor at the time, you know, this is the opposite of what we’ve been told. He said, yeah, but I want you to read this book. So I read the book and I came back and he says, okay, now I want you to get that book in the hands of every single one of your clients. And I did that. And in the process of that, I began to get more phone calls, say, hey, Jeff, what do we need to do to start managing my property equity better? And so again, this is like 2002, 2003. So
I added in the process of what I now call property equity value management. And so we began to take property equity and put it into safer instruments.
And again, like I said, this is 0203, so 04, 05, 06, 07, 08. Everyone knows what happened. The market crash, and we saw both a stock market crash as well as a property equity crash. And I then learned over the next couple of years after that how important it was to protect property equity from losses and to keep property equity value in a liquid state so it could be used.
at any time. And so that’s what fed into what I teach now, which is the forward process of never losing money.
Michelle Kesil (07:39)
Amazing, I love that. Yeah, can you expand on this process? Can you share maybe an outline of what it looks like?Jeffrey Taylor (07:50)
Yeah, so the number one thing that investors and property owners, the biggest problem that they have that they don’t realize that they have for many of them is their amortization table. So, you know, when you close on a property, you get a copy of your amortization table. And when most of us who are property owners, we don’t really pay much attention to that. And ⁓What that is, is how the bank in part makes its money. And so what we do is we teach the property owner how to reverse engineer the amortization table. And by doing that, we want to, as I made mention, we want to teach them how to literally pay the house off or pay the property off faster.
while creating cash reserves at the same time. So we want to ⁓ improve the equity position. We want to improve the cash reserve and the cash flow at the same time. Many investors are implementing some form of debt elimination, but we take it to the next step by creating cash reserves and improving ⁓ equity position at the same time.
without the need of the tenant. So this is a very unique process because we are attacking multiple problems at the same time, dealing with the issue of the reasons why real estate investors lose money and the reason why they run out of money too fast.
Michelle Kesil (09:39)
Amazing. Yeah, that makes a lot of sense. What are some ways that you kind of guide people through those problems that they face when they’re maybe running out of the money?Jeffrey Taylor (10:33)
So the very, very, one of the first steps is we have them read a little material. What we have found is an educated client ⁓ is a better informed client. So before we even get into our process, we give them some reading material. What we’ve also learned from that, that when people take the time to prepare themselves for what we call the risk assessment, they’re just better informed and they’re better able to ask realgreat questions that relate to them solving their own scenario and addressing reaching their own personal goals. So that’s one of the first things we want to do is we want to educate ⁓ the investor, the property buyer on where you’re losing money now and you don’t even see it. And the reason why we teach what we teach, what does it mean to double property equity value separate from market
appreciation. What does that mean? And so we give you enough material so that when we meet in that risk assessment, not only are you better prepared, but you’ve got some great questions and it creates an opportunity to do a deep dive in problem solving and seeing some extraordinary opportunities that that buyer or investors is sitting on. Typically, we find over $100,000 or more in that session.
because we are able to teach them how to position themselves to never lose money.
Michelle Kesil (12:12)
Okay, amazing. Yeah, that’s really powerful. don’t hear many people bringing these points up.Jeffrey Taylor (12:21)
That’s the reason why we’re constantly, we’re often told that. And then we’re challenged by the CPAs and the ⁓ heavyweight financial professionals in one arena or another. And we just ask a simple question, can you provide case design?to back up what you’re saying and most of the time they can’t. They’re talking about what they heard or what they saw on internet or something. But they’re really not making decisions based on case design. When you can show someone the amortization table, matter of fact I just had an appointment prior to this one and we were showing how that with the, what is called debt transfer, with the debt transfer system that we teach in the fourth or fifth year, I forgot which one it was.
to create $200,000 for this particular investor. And we’re doing it in a way where we’re doing a combination of compounded interest with interest cancellation at the same time. Again,
she had never been exposed to that. this is next level ⁓ knowledge, next level information. And because we’re using case design, this is something that’s trackable. It is something that can be reviewed, it can be studied, and it’s understood ⁓ as we move a person from one step to the next step.
Michelle Kesil (13:52)
Yeah, absolutely. And what about the other side of the spectrum for those that are looking to increase their profits or, yeah, just create greater sense of cash flow?Jeffrey Taylor (14:08)
Yeah, yeah, yeah, yeah. Again, that’s the fun part. Because what happens is the typical amortization table, regardless of what we’re talking about, a line of credit or credit card or mortgage, doesn’t matter. That amortization table is designed to the benefit and profit of the lender, not the borrower. And so when the…a borrower can then learn how to reverse engineer their process where they’re learning how to create interest on their debt while bringing the debt down at the same time.
it creates more opportunities to build cash reserve. Our objective is that we double cash reserve every three to five years
or faster. We have an advanced class that we teach where the objective is to create 100 % ROI every year without market losses and without taxes. ⁓
It’s all about learning how to reverse engineer that amortization table and to create that wealth, that interest, that cash reserve, that cash flow, that profit and that velocity of money for yourself versus for the lender.
Michelle Kesil (16:15)
Got you. Yeah, that’s super smart. I love that you are supporting people through that.Jeffrey Taylor (16:22)
One step at a time.Michelle Kesil (16:27)
Yeah, of course. What are you most… Go ahead.Jeffrey Taylor (16:31)
And they can.No, I’m just going to say they can decide. We’ve got like three different phases. Phase one where the intent is just debt elimination with a focus on interest cancellation. Interest cancellation is a far more effective tool than the traditional ideal of making extra payments. So we can go that route where the emphasis is debt elimination. The problem with debt elimination is that it creates negative wealth transfer because yet still…
Every payment that is made it is made to the lender Which is the whole problem with being the borrower is that you are? Transferring your cash flow even if you’re creating cash flow you’re still creating you’re still transferring cash flow to the lender the other part of that Over time as that as those payments compound
⁓ the lender is taking that money and reinvesting it and doubling that money themselves and doubling that money and doubling that money. Well, despite the fact that the source means the borrower, the borrower does not participate in those profits.
And again, that is a negative wealth transfer. even though you may be using the debt to create profit in some other way, you bought an asset of some kind, until you are able to reverse engineer the amount of money you’re losing from payments, your net profit may still be zero or negative. So you’ve got to take care of that part first. The second part of that is
So what do we want to talk about? Do we want talk about the just, the debt elimination piece? Or do we want to talk about building cash reserves? Or do we want to talk about how do we create 100 % ROI on this process every year? So you have three different options to choose from.
Michelle Kesil (18:44)
Amazing. Yeah, that’s so helpful to support people through whatever types of specific needs that they have.What are you most focused on scaling to next in your business?
Jeffrey Taylor (19:05)
⁓ We’re doing a very aggressive campaign to ⁓ build relationships with realtors. ⁓ We have been a part of ⁓ facilitating over 500 property sales and we’re not realtors. Because what happens is that we end up ⁓ preparing them for their next property. We just do that organically.And what we realized is that our clients had purchased over 500 properties. Now this is going back several years, of course. And so we saw an opportunity here to develop relationships with realtors. And I’ve been just kind of doing surveys with realtors, asking them, when you have a property that you’re showing, I said, what would happen? What do you think would happen if you included a seven year blueprint?
of paying off this property faster as an extension of buying it from you. Do you think you may be able to close more sales? And in most cases, realtors are telling me, yeah, that’s a little different. That’s, yeah, why? I say, yeah. So we are ⁓ scaling or looking to scale this by communicating with more realtors ⁓ and inadvertently get in touch with more real estate investors as well.
Michelle Kesil (20:31)
Yeah, amazing process that you’re looking to scale.What does your education platform look like? You mentioned it’s all across the nation and online. How are people able to learn more and have that?
Jeffrey Taylor (20:52)
Yes, so we have the first option is doing a what we call a 15 minute Zoom chat. If you elect to do that, we will send you some pre-wealth work.so that when we have that 15 minutes, you’ll have a sense of what we talk about, what we teach. It also includes a little quiz. From that point, ⁓ we give the potential client an opportunity to tell us what do they want to do. They just want to continue to receive our emails or that they want to participate in our ongoing series. So on Monday evenings, we teach a series that focuses on the
the philosophy of never losing money. And on Wednesdays, we’re focusing on doubling equity, doubling cash reserves, doubling cash flow. Right now, we’re doing a class on, we’re rebutting the ideal of good debt. Again, we’re not, because we’re using…
Yeah, we’re debating this ideal of good debt. And we’re not saying that you can’t use debt to make a profit because you can’t.
But our argument is when you look at the cost of your payments and the compounding impact of that loss and the profits that are generated that the borrower does not participate in, until you overcome that number, you truly don’t have a positive net profit. So we’re getting into that and we’ll be digging into that over the next couple of weeks. You’re more than welcome to attend that class as well. And then we have another class that we teach
for realtors and lenders where we show them how by developing a partnership with us we can teach them how to double or triple their business ⁓ without major expense or working harder. Simply by having a strategic partnership with us and using our strategies to create more ⁓ selling opportunities for them.
Michelle Kesil (23:01)
Amazing, sounds so powerful with lots of tools for people to learn.Jeffrey Taylor (23:07)
Yes, yes, yes, yes. We have lots of toys.Michelle Kesil (23:12)
Awesome.So before we wrap up here, if someone wants to reach out, connect, learn more, where can people find you?
Jeffrey Taylor (23:22)
Well, they can set up a 15 minute, I don’t know if I can put it in the chat or anything, they can go to mycalendly.com obviously that’s forward slash your money coach and they can set up a 15 minute with me. This will probably be better off using that since I can’t put the links in the medium here. So yeah, that would be a good place to start or they can go to my YouTube page, which is never lose money strategy and they can subscribe.and get my most recent videos as well as shorts on the topics that we teach.
Michelle Kesil (24:02)
Perfect. Well, listen, I appreciate your time, your story, and your perspective. Thank you for being here.Jeffrey Taylor (24:10)
Alright, thank you for giving me a chance to hang out with you guys.Michelle Kesil (24:14)
And for the listeners tuning in, you got value from this, make sure you’ve subscribed. We have more conversations with operators just like Jeffrey who are building real businesses. See you on the next episode!
