The Mark Perlberg CPA Podcast
The Mark Perlberg CPA Podcast
EP 54 - Infinite Banking for Real Estate Investors & Entrepreneurs w/ Anthony J Faso CPA
Discover the concept of infinite banking with financial expert Anthony, a former CPA turned life insurance strategist. In this enlightening episode, we dive into how real estate investors can leverage high cash value whole life insurance policies as a tool for continuous wealth accumulation. Picture a scenario where your investments grow through compound interest, unaffected by market swings, all while enjoying significant tax advantages. We explore this innovative financial strategy, where the convenience of a credit card meets the solidity of life insurance.
If you're concerned about unpredictable income and taxes, you'll appreciate our deep dive into how to effectively use whole life policies for entrepreneurial endeavors. Anthony reveals the optimal approach for making contributions and how aligning with a knowledgeable infinite banking professional can solidify your financial future. With the flexibility offered by infinite banking, devoid of government contribution limits, it becomes an appealing option for real estate experts and innovators seeking financial security and growth.
We guide you through our own journey of financial transformation, illustrating how to evolve from basic insurance plans to comprehensive wealth management frameworks, emphasizing the creation of emergency reserves that continue to foster capital growth. Moving beyond the complexities of the stock market, we demonstrate how integrating assets like real estate can pave the way to financial freedom, inspired by the principles in "Rich Dad Poor Dad." This episode is designed for anyone looking to build a financial ecosystem that actively supports their wealth goals, regardless of their experience level in investing.
To learn more from Anthony and his team go to:https://infinitewealthconsultants.com/
If you're interested in joining our team or becoming a client go to www.markperlbergcpa.com
Welcome everyone. I am so excited to have this conversation joined by Anthony, the recovering CPA, basso. We're going to talk about a discussion topic I've wanted to touch on for a while now, that is, infinite banking for real estate investors. Now we're going to talk about how this applies to all people and entrepreneurs, but the majority of our clients are involved in real estate. They're curious of this topic. A lot of them don't really know how it works. The reason why I find this appealing is it gives us diversification. You don't need to find an amazing listing to invest into it and it gives us the opportunity to move more of that money into that tax-free bucket. It's not just about creating tax savings in the year that we do cost tax, Reduce your tax tax. We're trying to create lifelong tax savings and infinite banking is one of the strategies that will help us out with this. Anthony, introduce yourself in 60 seconds or less.
Speaker 2:Okay, I'm Anthony Faas, on the self-described recovering CPA. Born and raised in Las Vegas, went to join the army right out of high school, got my accounting degree, joined Pricewaterhouse Coopers After I got my CPA I was the CFO of the chain of restaurants. Then I opened up my own CPA firm. Then, during that time, particularly in the way when I saw the financial crash and I saw the devastation that happened not only to me but to my clients, I knew that we need to do something different. I was sitting in front of a client and he's like hey, anthony, I did everything I'm supposed to do, but now my 401K is a 201K.
Speaker 2:I started looking for alternatives, particularly for myself. That's when I encountered the infinite banking concept and I started utilizing it myself. Some of my clients were approaching me saying, hey, I don't really trust Wall Street, I'm looking for something different. I'm like well, this is what I'm doing. Eventually, I turned that into a business where I had IVC business and then I had my tax business. Then, somewhere back here, I had my family. I had to make a choice. An easy one was I sold my CPA firm and have been doing infinite banking 100% of the time.
Speaker 1:Yeah, you know a CPA business is so hard to run because the majority of CPAs under charge and underserved.
Speaker 1:It's incredibly hard, especially with the shortage of accountants to charge what people want you to charge and still be able to afford your staff, then people are pressured to overwork their staff, burn out their staff and or compromise the quality of their work. I understand why you did it. It is a hard business. I worked for several firms that would just undercharge and burn out their staff. It was not enjoyable or sustainable. I'm glad to see you found a way out. Our way out was through charging more and doing tax planning. Tell us about, first off, what is infinite banking for the people just who have been heard of this concept but don't really know what it is.
Speaker 2:Infinite banking is a concept. It is not a product. That part is often misconceived. This is not an investment that we're doing. Again, this is a concept to improve our investing. The simplest terms with infinite banking. Well, with anything, let's put infinite banking to the side. We need to store our capital somewhere. Most people will use a bank, which there are some advantages to that because it's safe and liquid. The disadvantages to that the money we're holding there isn't earning much. Then, as soon as we withdraw let's say we withdraw the money to buy an asset we broke the compound interest curve because we stopped earning income on the money inside our account. Mark, let me ask you this At what point do you want your money to stop compounding?
Speaker 1:That's a really hard question. Let me think about it. I'm going to go with never what you know.
Speaker 2:Okay, Good answer. That's the answer we get for most people. The problem is the system most people are using. We're breaking that compound interest curve every time. We save up money, let's use it. You'd mention you have a lot of real estate investors, as do we. What they typically will do is they're going to save up money until they have enough to buy the investment. Then they drain their account and buy the asset. Then we want to buy more assets. We repeat the process Add up, save up a little bit more money. Then, once we have enough, we drain the account and buy the asset. Problem is we're breaking the compound interest curve every time. What we do. I say in the simplest terms we're just going to add one extra step to get that uninterrupted compound interest Mark do you use?
Speaker 2:a rewards credit card. Okay, now, why do you use a rewards credit card? Why?
Speaker 1:don't you use a rewards cash?
Speaker 2:Yeah, you get points right. So what I'm hearing, I'm going to buy this thing or whatever it is, but you're just gonna add one extra step the credit card. So then you're gonna get some extra benefits, miles, cash back. You can understand that. You can understand infinite banking. All we do is I consider infinite banking, this is my rewards credit card for my investing, instead of using a cash to buy the asset.
Speaker 2:We, what we do with infinite banking? We again, we have to store our capital somewhere. So most time, people are looking for somewhere that's liquid and safe. So we're gonna use a bank account most of the time. But what we're gonna use instead of a bank account? We're gonna use a high cash value whole life policy. Now, I would tell you, I know, when I had my CPA firm, I had whole life insurance guys knocking on my door about once a week and I would look at it. It just really it didn't make sense. And what we need to realize the product we use for infinite banking is a specially designed whole life policy. It's not your traditional whole life, right? Because that traditional whole life you get a lot of death benefit. You don't have any cash value for about three, maybe four years. The way we design it is very different where we have cash value from day one, and what makes this a great place to store cash is not only is it safe and liquid and we could do a whole podcast, and now I would argue that it's safer to store money in a whole life policy than at a bank, particularly as we saw last year, a couple of banks started to fail but we design this where it's high cash value, so you can use this policy 30 days from when it's set up. You have that cash that is available. So what we do in regards to the rewards credit card when I buy that asset, instead of using the credit card, I use my policy and instead of getting miles, I'm gonna get more money in a form of uninterrupted compound interest. And the reason why this works is because, with infinite banking, we don't drain the account when we use it. We use it as collateral. We actually use the money from the insurance company and they use you're put a lien against your policy. So what that means is that you have the ability to use that cash and, since we never touch your policy, your policy is continuing to grow, like for like.
Speaker 2:A prime example, what I've done was it down payments for my rental properties. Again, I need to store the capital somewhere. I store it in a policy and then when I buy, put it down payment, I take a loan against my policy. So that way the money's still growing and I use that to buy the asset. And then that asset if it's a true asset it's gonna produce either cash flow or profits. We just use those cash flow and profits to repay the loan to the insurance company.
Speaker 2:Once that's done, I have my cash flowing asset and my policy continued to grow at the same pace, whether I use it or not. So now I have both. I have the asset I wasn't gonna buy anyways, but I had that continued growth for my policy. So you know what I do. Then, mark, I hit the repeat button and I buy another asset and now I have two cash flowing assets and in theory, if I'd like to, I could use that cash flow from asset one and the cash flow from asset two and repay that loan in half the time Wonderful. And then I buy another asset and another asset.
Speaker 2:So this whole time the goal isn't to have a lot of life insurance.
Speaker 2:The goal is to buy a lot of assets, but by running it through a policy, just like a rewards credit card, studying, getting that miles.
Speaker 2:That policy is gonna continue to grow with uninterrupted compound during that time, which then will allow like you had mentioned, mark, of one of the great reasons we use whole life not just the safety and the liquidity it's gonna earn a much higher rate of return than a bank Because it's life insurance.
Speaker 2:Any growth on that is tax free and you have access to it tax free. And I didn't even mention the death benefit, right, because that's not why we're doing it. But that is just additional icing on the cake, which would mean maybe we don't need as much term insurance because we have this permanent insurance here. And if we continue to do this well, there's gonna be a time nobody knows when but you're gonna wanna start winding things down, and so what we could do is we have all these assets we bought through our with our policy and we still have our policy that can that continue to grow during this time? So what we can do is we can flip a switch instead of putting money in the policy, we can start taking it out. Because it's life insurance. That cash flow will be tax free. Mm-hmm, wonderful.
Speaker 2:So that's the long way to answer there, Mark, but I'm passionate about this, you know.
Speaker 1:I think that's what our audience really needs here, to illustrate how powerful this is and the benefits. So what I do right now is I have a savings account that pays me about five, five and a half percent interest, which is good, which is nice. But when I withdraw from that to maybe cover some additional costs or payroll, that money stops growing and as, in addition to that, as this savings account grows every year, I have to pay interest on that income as well. I gotta pay taxes on the interest In this. In your situation, the fund is gonna grow and compound and continue to compound, even though I've taken some cash out and is gonna, wouldn't you say it grows faster than five percent.
Speaker 2:Well, you know, here's the thing with.
Speaker 1:I guess it depends on what is the best one we tell people is gonna be.
Speaker 2:Well, it's gonna be between four and five percent. Now, and I know a lot of people like, hey, I'm getting five percent of my high yield savings, I get it for one as, just as you alluded to that, five percent is yep, is taxable, so may pin on your tax bracket, maybe it's four or three and a half, but also who knows how long we're gonna get that five percent. Two years ago it was point five. What will it be two years from now? To be honest, I think point five is too low and Five is too high. I mean, eventually things should level out somewhere between the two to two, two and a half range. Right, but you know one thing I forgot to mention, one of the another reason why we like whole life insurance is depending on what state you have. But every state has some level of asset protection. So, like some state, most states, like Nevada, texas and Florida and even New York, 100% of your cash values is lawsuits. Can't say that in regards to a to a and.
Speaker 1:So not only that, but when you apply for your kids education, it's not gonna show up on the fast application, so you, you can maybe qualify for more financing for, and get a favorable or in a favorable tuition amount that's due because of this as well. So lots of cool things here, right and and, like you said earlier. Now this is I, and I think that this is what a lot of people get hung up on. They're like well, how long do I have to wait before I can actually use the cash? Are you saying now that as soon as you've made a contribution, you can start taking some withdrawals from this account? Dead.
Speaker 2:Yeah, what it takes, it takes 30 days. After you set up the policy, you can turn around and borrow against it. Can you give me a?
Speaker 1:Understanding, or a range of when is someone gonna put the funds into the account? How often? How much per year? How much is allowable? What's the minimum? How do all these numbers play out?
Speaker 2:Hey, okay, great question and one of the many great things about when you're using whole life. This isn't a government created plan like an IRA or 401k or sep, where the government creates rules. This is a private contract between you and the insurance company. Now, congress does have some leeway in regards to what's taxable or not, but other than that, as far as there is unlimited deposits into this and the way that we Tim mark, the way that we work is More on a Education basis. We teach people how and why this works and you know what. There's some good things about infinite banking and there's some not so good things. Right, there's pros and cons doing everything and we're very clear in our Education process what those are.
Speaker 2:In regards to a minimum, what I, what we tell people the minimum for a policy is ten times your age per month. So for our non CPA listeners, okay, you're 40 years old, that's $400 a month now, and but as far as the limit, they're really there, there is no limit. We have people putting in, you know, a lump sum at the beginning, you know, because we have a lot of clients that are sitting on cash, so we can dump that in immediately and turn around 30 days later and deploy it, and Oftentimes with a lot of investors, their income is up and down, right. So what we typically will do is we design it where they're paying Whether it's monthly or annually an amount that they're comfortable with and they feel secure Making that deposit, but then we create room so when they do have a good month or they sell an asset, we can create room in the policy so they can dump that in when they when they have it awesome so let's say we're a real estate investor here.
Speaker 1:We got ourselves set up with this whole life policy and we have the added benefits here of protecting our heirs when we pass away. We have we have the ability to grow our wealth even when we're using that cash. What are some instances where this may not make sense? Or a real estate investor or entrepreneur.
Speaker 2:Mark. To be honest, this will make sense the only time it doesn't. One thing that is unique about this this takes a little bit of input. There's some learning at the beginning. We have an online course that's focused on education At the end of this, we typically charge $1,000 for the course, but I'm going to give your listeners a free link. We just want them to learn about it. Maybe it's for you, maybe it's not For the people that it's not for.
Speaker 2:This is going to take a little discipline. When you take that money out of that policy, they don't run your credit. They don't ask you what it's for. They don't ask you how you're going to repay it Because again we got to remember this is fully collateralized by your cash value. The insurance company is not going to lose money. They will literally wait until you die and that death benefit will pay off any loans. That's why it's so advantageous. That's why they're not going to call you. They're not going to bug you on repaying the loan. It is fine on their part, as long as you take it.
Speaker 2:The problem is, you can imagine Mark, with that much freedom, it can be overutilized. On case in point for me when I first got my policy. I took it and I took a loan. I actually paid off a loan, a debt, when theory where I should, instead of repaying Ford credit, just send that money to my policy. To be honest, I didn't, because nobody was forcing me to. I got a little lazy I mean, I was the middle of tax season, I'm kind of busy. Then I realized that I'm only cheating myself. If I don't put that money back in, I can't reuse it. That's why it's important.
Speaker 2:If somebody is interested in infinite banking, they need to use an agent who specializes in infinite banking. The design is unique. Also, we need to have the systems in place to help you access the cash value. How do we put it back? You need somebody who understands this, ideally somebody that you click with. This is a long-term relationship. Maybe somebody has their brother or family member who sells life insurance. They have access to the same products. It's just like using golf clubs. You can have Tiger Woods golf club, but that doesn't mean you're going to swing like Tiger. You got to learn how to use those tools. It's important to work with an agent who understands, who has Tiger Swing equivalent when utilizing and selling that policy.
Speaker 1:I've talked to a lot of people about the power of this, not all growing over time and compounding tax free over time. Having life insurance policy is a big part of your retirement plan for many people. People always think your IRA and your 401K, which are good in the Roth, but also in this mix, for a lot of, and especially for a lot of affluent people, is a life insurance policy that will help finance their retirement.
Speaker 2:I don't think anybody's argue if taxes are going up or down. I mean they're going to go up, they're potentially to go way up. That's one of the many problems. We're not big fans of these government controlled plans, these 401Ks or IRAs, for many reasons. A lot of times people are making decisions solely based on the tax impact, which taxes are important and they should be taken into account, but it shouldn't be the sole reason for your decision on making and investment. Also, here's a little thing, Mark, you can probably relate, because I didn't even realize this till I was doing taxes. But another advantage of having policies ideally on each spouse is odds are. You're not going to have you seen the notebook. I have not Sorry to leave. Sorry to leave. You ever want to score some points with your girlfriend? Just say let's cuddle and watch the notebook. But, Mark, I'm going to ruin the ending for you because it's been 20 years.
Speaker 1:That's all right. I'm going to place myself.
Speaker 2:Okay, you can deal, you'll be okay, it's a great movie anyways, even though you know the ending. But it ends they're cuddling in bed together and they both pass away. Beautiful story. I cried. I ain't going to lie, but odds are that ain't going to happen. Somebody is going to go first. What I didn't realize until this happened to one of my clients is when that person who goes first, two things happen. Let's say three. One is you're going to lose the lower of the social security, that income. You're going to lose some of that income coming in each month. Now you're no longer married, filing jointly, you are single, so there's potential for you to be in a higher tax bracket and for the most part, a lot of your expenses stayed the same. So the problem is we have less money coming in when we have more going out and plus, let's not to mention, we just lost our spouse. I mean, I'm sure there's some emotional stress going on as well, but having these policies allow a windfall for that surviving spouse.
Speaker 1:Interesting. So I imagine, when you're looking at this, because this is more appealing than having cash in a savings account, I imagine that there is some sort of conversation on how much do you need to put into this and still have liquid in the savings account, or could you just minimize the amount that you're having as savings and just pull from this on an as needed basis from the life insurance?
Speaker 2:Great question, mark. I would tell you what just I alluded to before. We're more on an educational basis, so when somebody comes through our process, we're going to have them decide what they feel comfortable putting in their policy. Now, like for me, I did my first policy 15 years ago. Nobody I knew had heard about infinite banking. It sounded great because I read the book that started. It all is called Becoming your Own Banker by R Nelson Nash, which you can get on Amazon. I read that book. It was like this is amazing.
Speaker 2:I couldn't sleep for three days, just kind of running everything through my head, but still it was different. And so I got a small policy and I put my toe in the water, wanted to try this out to see how it worked, and so, and as I felt more comfortable, then I got additional policies on me, my family members, business and business partners. But we take that same approach when we meet with a client. We're never going to tell them what to do, but we are going to tell them what they can do. We just want them to start, no matter what their deposits are.
Speaker 2:But once they have comfort and I would tell you like what I do I keep one month of expenses in my savings account because I could get access to it immediately if I need it. Everything else I'm going to store my policy, because it takes me about a week to get access to the funds, so I can typically wait a week, but I'm going to store it in my policy for the reasons I alluded to earlier. It's safe, it's liquid, it's during a higher rate of return, asset protected and when it's when I need it, I can access it. So it depends on where they are on their comfort level.
Speaker 2:But I would always leave some cash outside for emergencies and, to be honest, I'm a big proponent of having some cash in a secure safe, just in case. I mean, when my kids were younger I had it more in case I needed bell money in the middle of the night, but just in case something happens with the banking system or who knows what happens. But I feel comfortable having some liquid dollars outside the system.
Speaker 1:So tell me what would we expect as far as the interest we're paying when we borrow from our life insurance?
Speaker 2:Right now, that's 6%.
Speaker 1:Okay, so what I imagine here as part of the strategy, if our life insurance, the growth of the life insurance will be a little more than the interest we pay on the life insurance. So we want to use it on an as needed basis and we want to return it if and as soon as we find an instance where we can have a form of financing that is less expensive or then which is might be tricky in this current environment, but I imagine you would want to return that amount that you borrowed, so you can. Well, I guess it was growing at 5%. You do it okay, but what are your thoughts on how we're borrowing from it? We're paying interest. We want to avoid the interest payments.
Speaker 2:What I would say is that the key thing is, whatever we're going to deploy the money to, needs are earned more than the interest we're paying Like.
Speaker 2:That's one thing that we are looking at. And I would say one thing that this has allowed me to do is to make better financial decisions, because if I'm earning, say, 4% or 5%, that's equivalent of maybe 6% or 7% in a taxable account. So I'm not going to chase a 6% or 7% return that could lose money when I know I'm locked in and going to earn that 4% to 5%. One thing that also makes this attractive is if you use your policy to create taxable income, like, let's say, for example, like I mentioned, I use it to buy a rental property, I can deduct that interest against the income that I'm earning. So maybe it's 6%, but maybe the equivalent is going to be even less.
Speaker 1:Gotcha great. So tell me about now. What I'm curious here is so obviously life insurance has been a really powerful vehicle for the affluent. What are their activities or investment vehicles are you interested in when you're looking about what you're doing with your finances and other activities?
Speaker 2:Well, great. I would tell you what one thing that makes us different mark is that we're our focused on what. We're combining the infinite banking concept with Robert Kiyosaki's rich debt, poor dad, where our goal is to create more passive income. I kind of see it on my shirt where your passive income is bigger than monthly expenses, or I like to see it say I want my pie to be bigger than me, and so we're looking at ways to create passive income and I would tell you our goal mark, to be honest, is to be the best in infinite bank in the country. In order to do that, we can't be an expert in other fields, which that was one reason why I wanted to sell my CPA firm. So one thing that we do do with our clients is, once they have a policy, then we start looking at their goals and we're going to meet with them and say how much capital do you have, what are the goals you're trying to accomplish and how much time do you have to commit? Then we will present some ideas of creating some passive income that that that that will fit in their personal situation.
Speaker 2:As I said, we're not an expert in those fields, but but we but we work. We work with people who are, and so typically I would tell you, mark, we're not we're not real fans of Wall Street. We typically recommend people invest in what you know. Most people don't understand Wall Street, so we shouldn't think they should invest in it. But well, but if you do understand it, then by all means you should invest in it. But some of the assets that we have people working on your investment for one their first asset we like is actually that gets the highest ROI right, yeah, a lot of people.
Speaker 2:I mean maybe they've read Rich Dad, poor Dad, all right, I want to buy real estate. But they don't know where to go, they don't know how to analyze a deal. So maybe you hire a coach or you get you. You get that training. Also, let's invest in, let's invest in your, in your business. Maybe we can use that to hire some admin help so you could go out and generate more money. Or maybe we take that and do a marketing campaign and then, with that revenue it brings in, we use that to repay the loan. So some of those are some minor things are more kind of personal.
Speaker 2:But as far as assets going, we have a lot of people in in real estate and no real estate is very vague. We have all I like. One thing I like is turnkey real estate, because I don't have the the time or expertise to go find those deals and manage them. So I have a. We work with a couple of turnkey providers where I bought house houses for 20, 20 to 25 grand down. And that's one thing people don't realize, depending on where they live. Right, and Mark, I know you deal with some more high end individuals. Maybe they're living in California or or Florida or some beautiful areas, or even in Vegas, the average house is $400,000. Average house in Memphis, tennessee, is 110. So, and 50% of people rent in Memphis. It's part of their culture.
Speaker 2:So we have turnkey real estate. We have people flipping, flipping real, flipping real estate, flipping raw land in the middle of nowhere. We have people flipping cash, flowing websites, starting a brand on Amazon. One thing I also like is investing in ATM machines where you buy and manage them yourself. Or there's some syndications where you can create, you can buy them through the syndication. And particularly and Mark, I'm sure you can understand, there's that difference between passive and active income. You know so a lot of times, if people have a lot of passive losses from their, their real estate, they may not be able to deduct them. So then we'll let's create some assets that create passive income, so then we can offset that with their, with their passive income. And, mark, I know I say I'm a recovering CPA, but taxes are in my blood, man, I can't help but give some tax advice or at least evaluate that when we're making some decisions.
Speaker 1:Wonderful. So what I want to know now is so you said you had a link is that I think that the audience would be interested in knowing that link, which will go in the show notes. Can you give that link and have any call to action and ask of the audience?
Speaker 2:What I would say. I'm gonna give you two links.
Speaker 2:Mark the first one is kind of our link tree, so that will give you, if you wanna check out, maybe to see if you know, just learn more about us. We have a YouTube channel, instagram, we're on TikTok, we also have the Infinite Wealth Podcast, and what's also going to be in there is going to be a link to get on a phone call, cause what we start our process with is what we call a discovery call, where you're gonna talk with us, we're gonna answer any questions you got, go over your goals and see if this is a good fit for you and if it is, we're talking about the appropriate next step. But the link, the big link, is gonna be Infinite Wealth Consultants, backslash Mark Perlberg, and then, if they were, when they go to that, then you're gonna get that's gonna be a free link.
Speaker 1:One of your course.
Speaker 2:Now, since we're live streaming this, I will say I don't think that. I don't think it's not live as of right now. Okay, but it'll be live by the end of the week. But what you're gonna find in there is some basic how infinite banking works. You can kind of see how it works without having to even talk with us. So it's not for you. You just never have to get on the phone with us.
Speaker 2:But I would say there's a couple of videos that I like in there, and one is cause we do the math buying an asset, storing that money in a bank account and buying an asset. Or what if we made those deposits instead of a bank? We made those same deposits into a policy and we bought that same asset. We're gonna compare the math and go through that on which one is going to give you more cash at the end of the day. And I would tell one of my personal favorites, mark maybe you've gotten this question shall I get a 15 or a 30 year mortgage? We did the math on that and what we even kind of expanded it, cause most people, mark, would probably what do most people think? Which one is better, 15 or 30?
Speaker 1:I would guess that most people would think 30. Well, it depends on the time value of your money, what you're gonna do with it if you don't put it pay off that mortgage. So I don't know the answer.
Speaker 2:Well, you actually hit the nail on the head. As far as the time value of money, most people believe a 15 year is better because you're gonna pay less interest, cause it's gonna be paid off in 15. But, just like you alluded to, we gotta look at the time value of money. If you have a 15 year mortgage, mortgage payments are gonna be a little bit higher, so we have to account for that additional funds, and that's what we did inside in the calculator in the video. But also we talked about some other aspects which one gives you more tax deductions, which one gives you more flexibility, and so again, with a lot of the stuff we talk about is we do the math to support what it is we're saying, and that's a piece of what you can get.
Speaker 1:Wonderful. Well, I'm excited to share this with everyone. I might check it out myself as well During maybe not right in the middle of tax season, but we'll sleep. So anything else, if there's anywhere else you wanna go to follow, you feel free to share, but I really appreciate your time and insight in delving into internet banking for entrepreneurs and real estate investors.
Speaker 2:If you're a real estate investor or entrepreneur, you owe it yourself to at least look at it, cause here's, if you talk to people, there's either two schools this thing is the worst thing ever or this thing is the best thing and is gonna cure all your woes. To be honest, it's somewhere in the middle. This obviously isn't terrible, and but this also isn't the biggest thing. Since sliced bread, right, there's a lot of times people oversell it, but what we're gonna do, just view this as your rewards credit card for your investing and learn more. Maybe it's for you, maybe it's not, but the only way you're gonna determine is if you check out those videos and find out for yourself.
Speaker 1:Thank you so much, Anthony. Hope you guys all enjoyed this conversation. If you wanna learn more guys info and if you or someone you know can use our services, email info at markprogorscpacom. Send me some talent as well. We're also always hiring and looking for good tax accounts. Have a great day. We'll see you on the other side.