Physiotherapy, Real Estate, Fine Art, Wine with Robin Valadares

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Podcast Transcription

Georges El Masri [00:00:01] Welcome to the Well Off podcast, where the goal is to motivate, inspire and share success principles. I’m your host, Georges El Masri. Thanks for joining me today. I interviewed Robin Valadares, who is a physiotherapist, an investor, a coach, and he does so much to give back to people in his industry, the people that are involved in the health care industry. And on this episode, we talked about how working years in his industry are very limited. And so there has to be other ways to generate income. And that’s what got him into real estate investing in the first place. We talked about clinic ownership, his strategies with the BR method using. He like to grow his portfolio starting off in Ancaster and St Catherine’s and then diversifying later on into stock options. So we have that on comment. So I know you guys are going to enjoy this episode, make sure to share this with a friend or family member. And also if you guys want to talk a little bit about some multi-unit investing, we have some apartment building opportunities and I’m more than happy to share them with you. Just feel free to reach out to me on Instagram while off X or go to off dot CA and connect with me there. Just book a call. And then finally, make sure to leave us a five star review on the Apple Podcast platform so we can continue to grow and share this with other people. There you go. Enjoy the episode. All right. I’m here with Robin. Robin, thank you for joining me today. We were.

Robin Valadares [00:01:28] Absolutely George.

Georges El Masri [00:01:29] We were supposed to obviously meet in person. But there is a slight complication here is that we’re doing this virtually. But I appreciate your time. I always start off by asking you about your childhood. So tell me about where you grew up and a couple of things you remember.

Robin Valadares [00:01:43] Yeah, great question. So I was born in India, my brother and I, my older brother of two years and I we moved here with my family, mom and dad, when I was five years old. He was seven years old and we moved to Etobicoke Southern GTA and moved in with family at the time because we knew nothing about the area. And soon after we bought a home or my parents bought a home in Oakville. And then my child for the most part was living in Oakville and Oakville 20 years ago or 25 years ago. It’s a little different than it is currently now. So very much the immigrant lifestyle didn’t have much. Mom and dad had to kind of really my dad worked at Kmart to make ends meet. The mom stayed home with us and kind of made sure academics was paramount because as an immigrant family, that’s one of the paths to freedom, in a sense, is to have a good, secure job. So Brother and I were raised to study and be academics and my brother now is an engineer and I’m a physiotherapist. So six years ago I moved out of Oakville and found a place in Stony Creek where I currently reside and I practice physiotherapy as my new sort of main, traditional way of earning an income either strange or to get into. But that’s kind of my, my upbringing.

Georges El Masri [00:02:49] Yeah. Before we, we move on and talk about like you, your journey into your work and realizing all that, I just want to ask you about your last name. So you have you have what sounds like a Spanish last name. So tell us a bit about that.

Robin Valadares [00:03:04] Yeah, I get that a lot, especially when I travel south. It’s pronounced Valadares. It’s a Portuguese area in India that was colonized by the Portuguese majority and it was colonized by the British and in some portions on the east coast are by the French. So as a result, three generations of the Portuguese colonizing more of the locals. We tend to have more Portuguese heritage. So yeah, Roman Catholics by nature eat a lot of fish, a lot of type of Portuguese based dishes than the typical Indian fare. So that’s where the last name comes from.

Georges El Masri [00:03:37] Okay, cool. Yeah, that’s yeah and yeah, such a like a cool history. And it’s been colonized by these different like England and Portugal I guess. And yeah, there’s all these different cultures that are infused with the Indian culture, so it’s cool to see that. Okay, so let’s talk a bit about your journey after you got your degree, you got you became a physiotherapist. I know you have a strong mission in life. I know you’re a real estate investor. And just tell us a bit about what your beliefs are when it comes to real estate investing and the work that you do.

Robin Valadares [00:04:13] Yeah. I exited the traditional university degree after my master’s in 2012, and my last place, one of my preceptor, the clinical instructor at the time, asked me, Robyn, take a look at how many physiotherapists are practicing over the age of 55, 60 or 65. And our profession, when you look at it and people are the clients I volunteered at, I couldn’t think of anybody still practicing actually with their hands and their body over the age of 55. If you look at other professions like massage therapists, occupational therapists or chiropractors, it’s rare because over the course of your career, your body will take a little bit of a beating manually, your mind will, because you’re dealing with people’s complaints on a daily basis. So at that age, at 25, I was stuck in my head to how do I generate income because my working years are finite. I can’t work to 65 like my counterparts who are architects or engineers or lawyers or accountants. I did have so much income saved up, so I can have that for retirement. And as you know, for a while right now is some of the issue with retirement system, the money you earn is how long you’re going to live with tech these days in medical tech these days, our life expectancy is growing year over year. So I knew at an early age I needed to leverage myself to earn income irrespective of me trading my time for it. And that’s where real estate was something that I was fortunate to get and get into in 2014, just two years after graduating, when I first purchased my first rental property and I thought.

Georges El Masri [00:05:36] Okay, I think we actually graduated the same year because I graduated in 2012. Yeah, yeah.

Robin Valadares [00:05:41] There you go. There you go.

Georges El Masri [00:05:42] It’s good for you. Just out of curiosity, you mentioned that other physiotherapists that you were seeing, they weren’t working into their sixties and whatnot. What do you think? What do you think happens to them at that point? Do you think most of them are well established, financially, well enough established that they don’t have to work? Or do you see them getting other jobs just from personal experience, what you see?

Robin Valadares [00:06:03] Yes, another one, it’s four things I talk about to my students is one of them is clinic ownership the next gradual stage? As you hit a certain cap with training, your time is to own the business that you’ve worked in for so long. So that’s the next logical step. But doesn’t mean just because you’re a good clinician doesn’t mean you’re a good business owner. And we fully know that the next thing is to educate. So you do what a clinical instructor role you enter into academia again and you teach the new generation of physiotherapists. The third thing is you switch careers entirely. A lot of our profession will go from the private practice where I work currently. They might go into the public sector, work for big conglomerations like insurance companies to do more of the claims adjustment. Because we understand by that way, the last one is the last one we talk about is retirement. And that could be just because a spouse is earning an income, they might be home with children or the fact that they’re just done working because they’re financially set.

Georges El Masri [00:06:54] Yeah. Makes sense. Yeah. It’s a scary thing. Like for somebody who’s worked so hard, studied so long in school, and then you’re like, you said, your body kind of doesn’t allow you to continue doing this into your sixties. So you got to make sure you’re ready. And it’s really it applies to anything in life. You should be setting yourself up so that you’re not working forever. I think a lot of I don’t know, just from my personal experience, a lot of immigrants seem to have this idea that, like, I’m never going to retire. I can’t see myself not working anymore. But it’s important to get there because you don’t want your if you’re working your sixties, it’s probably not because you want to. It’s probably because you have to correct.

Robin Valadares [00:07:33] And by definition, retirement is having the ability to make that choice. I love what I do, but I know I can’t do it forever. But I want to be given the choice to work when I want to, not because I need to. I think many people have that choice.

Georges El Masri [00:07:45] Yeah, absolutely. Yeah. And it’s different if like I spoke to someone yesterday, we I had dinner with investors, a couple of investors. And I asked them like, do you plan on retiring? Do you plan on just stopping one day? And he’s like, Honestly, I don’t see myself doing that. I just I see myself just continuing to grow the portfolio. But who knows? Things might change as the kids get older and whatnot. Things. Things might be a little different. Right?

Robin Valadares [00:08:08] Right.

Georges El Masri [00:08:09] Okay. So what did you what was your strategy for investing? What were you targeting? Where did you have a cash flow target? Did you just have like a net worth target you were going after?

Robin Valadares [00:08:20] Yes. Yes. But when I first started, I started with the podcast. Your Pockets was 2012. That’s probably only podcasts I could think of that was very U.S. centric, and I learned how to purchase a property. I didn’t do it seamlessly, so I bought my first property. The idea of a buy and hold. I’m a conservative investor. A little more risk taking nowadays, but more conservative back then as to just buy something. Don’t speculate. Make sure it pays you the exact amount I didn’t do to. But with the map, I just want to know I was a surplus to the deficit. So I bought the first house and then Castro. And the math made sense. But the execution was poor. My end, because I treated that that business should have been a business. But more personally, I was more for the bleeding heart where the tenant came in, single mom with three kids. And I was like, okay, let me help this individual out and I’ll give her this this property to rent from. Unbeknownst to me at that time, she was a professional tenant, so she came and gave me a check, bounced, second check bounced and I had to go through the whole eviction process. Took me three months, lost about $8,000. My first experience dealing with a tenant, it’s a blessing now in hindsight because it taught me so much about screening times for subsequent properties and that $8,000 was tuition in my learning better spent in that and earned me a lot more income than my actual traditional career in the last eight years. Yeah, that’s the irony of it.

Georges El Masri [00:09:35] Yeah. It’s funny how that works because so I’ve been a realtor since 2013 and I bought my first property in 2017, my first rental property, and I qualify my tenants myself for that property and they turned out being very bad tenants, even though I had experience finding good tenants for some reason, maybe because it was a new market, you know, like I was in the Hamilton market, I wasn’t familiar with that particular market at the time. And yeah, I got into a similar situation where the tenants owed me a lot of rent and they weren’t paying and whatnot. But for some reason it seems like when you get involved in real estate investing, you’re going to make mistakes. There is no way to avoid it. No matter how many people tell you not to do certain things, it’s like you just got to make the mistakes and go through them firsthand.

Robin Valadares [00:10:22] Right? And that’s what I think the wounds teach us. And we take it more to heart when we actually make mistakes and know what the fault is. So we don’t repeat it again, right?

Georges El Masri [00:10:30] Yeah, exactly. And I know I’ve learned my lessons from that and I’m never making that mistake again. But as you get more experience, you learn more and more. You make mistakes here and there, and then you just get better and eventually become a really good investor.

Robin Valadares [00:10:42] Correct. And that’s it.

Georges El Masri [00:10:44] So, okay, so you started gathering properties. How many did you end up like? What was what were you targeting here? What were you trying to get? If we can kind of dove into your goals.

Robin Valadares [00:10:59] I wanted to supplement my income with something less active when I say passive entirely, because real estate ownership and being a housing provider isn’t all act all passive. So you kind of get me active position. So I wanted to supplement my income doing that. So that’s when I was in and Castro bought that property and after I had that tenant evicted, the subsequent ends were great and I started to feel what it felt like to have actual cash coming out. Then I was okay, now I have this asset, it’s appreciated. And what can I do to lever or lever this asset to purchase more? That’s when I kind of took a lot of credit and use that as a down payment for my subsequent property in St Catherine’s. And I try to follow the trajectory of the rockstar real estate approach of buying things that are following major infrastructure changes like highways or Metrolinx, things that are areas that have high population growth in areas of high growth and population income, income generation growth. So that’s where I think at that time was like, oh, let’s go down this route. And that was in 2017 after I bought my principal residence on a creek.

Georges El Masri [00:11:59] Okay. So 20 you said 2014 was your first one. Where was that, by the way?

Robin Valadares [00:12:05] I think Astor.

Georges El Masri [00:12:06] Okay. 2014. Ancaster and St Catherine’s. And now at this point, are you still looking to grow your portfolio? Is that is that a target of yours?

Robin Valadares [00:12:18] Yes, that is the plan. But I’ve also diversified because I was looking at my net worth statement. I saw that my real estate holdings were kind of cannibalizing the rest of my net worth. I’m like, okay, I’m heavily into real estate. And as you probably know, diversification will help preserve wealth. Conservation will help generate it. So I was like, okay, I have some wealth right now. Let me try to see if I can do land and diversified. So I started to look into more equities, and that’s when I came across stock options and trading in that respect. And I started looking at alternative asset classes like art, wine and crypto started to doing that, but the goal is to accrue some more real estate. But at that current juncture, I had some personal things I was going through and things I’ve kind of put impediments on my progress, but now I’m past those so I can start growing again.

Georges El Masri [00:13:05] Now that the stock market has taken a dip in the last, say, since like January 2020 to maybe February or March, but early 2022, there’s been quite a bit of a dip in most stock prices and there is some volatility now. What are your thoughts on that since you’ve diversified? How do you feel about the stock market now?

Robin Valadares [00:13:27] Yes. So, yeah, obviously unrealized loss at the moment based on my assets. But my time horizon I think is important to talk about time horizon by time horizon of ten or 15 years. I’m looking at stocks right now like I’m going into Lululemon looking at huge discounts. These are big sales and I can purchase these things, but I’m not selling them next year or in. Or in five years’ time rise of the mindset that I’m going to sell them in 15, 20 years. Right now, I can afford to take a little haircut and purchase these things on sale because I know in ten or 12 years they’re gonna be higher than the current R because that’s the historic history of the stock. Market’s always been an all-time high going forward.

Georges El Masri [00:14:01] I’m assuming that when you are when you’re talking about purchasing these stocks through naked puts, you’re selling naked puts and then getting caught on them.

Robin Valadares [00:14:10] That’s my one portfolio. Yeah. So that’s the trading portfolio. And then I have the buy and hold. I just buy them, I just let it ride for years. Yeah. So that one yes. I purchased but yes I would sell naked puts. I’ve done that trading through Omar Con the Theta Trading Academy, so I’ve done the naked puts and then selling cover calls. That’s always. Yeah.

Georges El Masri [00:14:26] Yeah me too. Me as well actually I took his papers a couple of months ago. I’ve been trading a bit with that, but I’m not too heavily invested yet in stocks, just kind of feeling it out. And I think it’s it was a good time, good decision for me to feel it out because as soon as I started investing, the market just took a big dip. But like you said, I think these are great opportunities. Like I know a lot of people look at this and say, wow, I don’t know what to do because I was expecting the market to be here and it’s way below that. But as you mentioned, it’s a great opportunity. If you are into buy and hold long term, then you can pick up some stocks for a good price. And that applies to the real estate market as well. There’s some good, good discounts right now on properties. If you have the courage to go through and you know your numbers and you know the market, then you can really capitalize on.

Robin Valadares [00:15:12] The greed and knowing what you know. Now take yourself back 2008 to the 9010, even in the southern tier or south of the border. Are you kidding yourself now that you were in a position to purchase property back then? I know, I know. Even those ten years are moved. Absolutely. So what’s the next ten years going to be like? Oh, roses. But right now I can probably tell you that’s going to be higher than it currently is right now. Mm.

Georges El Masri [00:15:32] Well, I know Tony Robbins believes that every ten years there is going to be a crash of some sort or a recession of some sort. So if you, if you look at it that way, then, you know, when the prices drop like this, it’s really an opportunity if you expect it to come back up and then go back down again. It’s just the way it is. But in the long term, it’s going to be the values are going to increase over the long term.

Robin Valadares [00:15:56] Precisely. And that’s what I’m trying to do in the last few months is give myself as much access to capital as possible. So I’m liquid, so there’s a deal there. But she’s not raising capital because I have that on hand. You just cannot close a deal.

Georges El Masri [00:16:10] Tell us a bit about what you do to help other practitioners, other people in your industry.

Robin Valadares [00:16:17] Thanks for bringing this up. Yes. As you know, as I know, either an undergrad, high school, post-grad, secondary degrees, there isn’t a lot of emphasis on financial literacy or education. And it’s baffling to me why this is the case. We learn about a lot of things in school, and I’ve done six years of school and I had one individual who’s a financial advisor for one hour gave us a talk and that individual was more pitching about trust him with his service, with his services, rather than just the basics of an ETF versus bond versus stock or frozen mutual fund. So I thought this is an issue and I love this stuff as I started in 20, 25 years old. So I’m like, if I’m struggling with this, I’m sure my peers are, but I know I’ve gone through the education. We don’t get taught it. So how many other people are in the clinic right now who actually have to trade their time for money? And that’s a lot of us. We are stuck in that stuff. But we’re in the clinic which seeing people one on one for the next 8 hours a day. But our income is solely derived by that time we spend in that location. We’re in camp, work from home, and our value isn’t tied to it. We close a deal and get X percentage of deal. It’s trading your time for money. And that’s so finite because we spoke earlier that you only have a 20, 25 years or 30 years of practicing before you can’t do it anymore. So I’m like, I’m struggling with this. My peers are definitely struggling with this. So last year I started to create a financial literacy or education business geared towards health professionals on how to divorce yourself from trading your time for money. And that’s learning the basics first and foremost and utilizing those basics to kind of generate wealth just for yourself as well as your dependents and hopefully generational wealth for your dependents after that.

Georges El Masri [00:17:46] MM Okay. So you started this program. Is this something a course that people will sign up for or is this something that you, you teach life in person? Is it videos that you share?

Robin Valadares [00:17:59] Yes, it’s a combination of both. So I have two recording courses that are held on a platform of hosting platform where individuals can go and register, pay a fee and watch it on their own time with different lessons and modules. So that’s more of the kind of pandemic way of learning now that we’re kind of easing of restrictions. I’m doing more in-person courses where I might go to a clinic and it talk with their clinician or clinical staff about do the education that way. So that’s the lectureship or presentation based component. And then there’s more of the mentoring or the coaching aspect where you as individual might say, Robin, I’m entering the workforce. I have no idea. I’m self-employed and the sole proprietor. I’ve earned this. Like, do I have to pay taxes in the year? Are they not taking such deductions? I’m not going to help this person. I understand the mind. Field four is entering first year practices. So yes, I do a combination of those two.

Georges El Masri [00:18:48] Have you ever heard of the book The E-Myth?

Robin Valadares [00:18:51] Yes. Michael Gerber.

Georges El Masri [00:18:52] Yeah, yeah.

Robin Valadares [00:18:53] I like that book a lot.

Georges El Masri [00:18:54] Yeah, that’s what I think of. Because you’re absolutely right that the people that own their own business or that want to own their own businesses, they’re often like the practitioners don’t really know how to become business owners. Because you were talking earlier about one of the things you could do when you’re in your fifties or sixties in your or you’re moving on from your practice, you can become an owner of a clinic. And a lot of people struggle with that because running your own business is a totally different animal than working in your business. So it’s really important to understand that.

Robin Valadares [00:19:25] Absolutely. Most people who practice in our profession don’t treat their individual name as a brand or a business. We still think we’re employee, but as a business, you understand your brand, you go to market, you get a follow up, you go to your panels and understand the literacy of it. But the assumption is that I can go from a ten year practice. To own a business is a healthy assumption. Yeah.

Georges El Masri [00:19:43] What’s your goal here? What are you trying to achieve with your career? Do you have an idea of how long you’d like to practice? Be a physiotherapist, and do you plan on retiring at some point soon?

Robin Valadares [00:19:57] Bald When I say it out loud, but in my head it sounds better. So I’m currently 35 years old and I’m going to be. My goal is in five years when I’m 40 to be in a position where I don’t need to but want to work. I mentioned earlier, I love what I do, but can I accrue enough passive or semi-active income that I can be in that position to make that choice of where I work instead of being four or five days a week and I work once, twice a week, and the rest of the time I do more of the education business or spend time on pursuits I find interesting versus being.

Georges El Masri [00:20:24] I heard.

Robin Valadares [00:20:24] Your professor. I know who you’re talking to. I golf a lot. Let’s say that I left all and everyone.

Georges El Masri [00:20:32] Everyone was saying, this guy, you’ve got to talk to this guy. He’s a really good golfer.

Robin Valadares [00:20:38] You you’re lucky every now and then. But yeah, I love to golf. So that’s why I try to pursue something south of the border, because I am not built for the winter, as you’ll see. And I prefer the summer and I prefer for sure per I prefer playing golf. So can I do it? So absolutely. Yeah.

Georges El Masri [00:20:54] Cool. So 40 years old, I think that’s a great goal. And like you said, you can once you have that freedom, I think that’s what a lot of us are striving for really, because it’s cool to have a bunch of properties or a bunch of cash flow or whatever, but if you’re doing it aimlessly, it’s kind of meaningless if you if you do it with a very specific goal in mind and you know why you’re doing it, then it makes life so much better.

Robin Valadares [00:21:17] Huge. And you probably seen this with your podcast and helping people. How much joy do you get when you know you made a difference someone’s life?

Georges El Masri [00:21:24] I love that. You know, it definitely.

Robin Valadares [00:21:26] Stays with you forever more than buying an iPhone. Much like this is material change of your happiness. So my goal is to provide some meaning both in my life and the people I touch. That is the goal. Yeah.

Georges El Masri [00:21:36] Yeah. I think that’s so important and it’s very fulfilling to, like you said, to be able to help others. And sometimes you don’t really know what your impact is. But more and more now, when I go to like certain investor events, somebody will come up to me like, Hey, I really appreciate that episode with this person or that person. Great advice, that kind of thing. So yeah, I think that’s way more meaningful, like you said, than material things you’ve got.

Robin Valadares [00:22:03] Absolutely. Yeah.

Georges El Masri [00:22:04] All right. So you’ve got several things going on. You’ve you’re an investor, you have your physiotherapy business, you have your sort of coaching and training business going. How are you managing all this? What what’s allowing you to make sure you’re spending your time in the right places?

Robin Valadares [00:22:23] I think it’s a matter of priorities. And I tell my clients, as they say, Robin, I don’t have time to exercise. I don’t have time to focus on my financial goals. And I says, you and I have the exact amount, the exact amount of time in life. We have our own priorities. So I’m a big proponent of not wasting time because as we both know, time is the most valuable nonrenewable resource we all have. We don’t spend it the same. So I will I will plan out my day pretty continuously in terms of down to the minute, but every 15 minutes I’ll do something to make sure I maximize that time. This summer has been a challenge because I don’t think it actually is. But I launched an Airbnb in my own house only because I wanted to buy a whole bunch of new Apple products. And I’m a big proponent of Apple, but I didn’t want to spend money. I want to generate an income source so I can teach my students. You can generate an income source to pay for what you want. So I started launch an Airbnb and that consumed a lot more my time because I’m in Stony Creek. It’s a single bedroom and a bathroom and I didn’t think I’d be this busy, but Airbnb worked wonders, so that really kept me on my toes and that forced me to be very diligent with my time. And you could you could do it. You have to wake up earlier when people are sleeping and get better later when people are sleeping and you know you’re going to then you’ve.

Georges El Masri [00:23:29] Got your Apple products.

Robin Valadares [00:23:31] Not yet waiting for Black Friday sale.

Georges El Masri [00:23:35] That’s so funny. And it seems like all investors are the same. It’s just I don’t know what it is, but all investors that I’ve met seem to have this idea of like getting, you know, making your money go as far as possible. It’s so funny. Like, you can probably buy this these Apple products, no problem. But you want to make sure you don’t spend your hard earned income. You earn this extra income from your Airbnb. You buy the products on Black Friday. That’s funny.

Robin Valadares [00:24:02] Yeah, I don’t need a new phone because my battery’s dying quickly, so. Yeah, yeah.

Georges El Masri [00:24:07] Very cool. So I love what you’re doing. I love that you’re. You’re trying to help others. You’re working on your own stuff, your own portfolio. Do you do you plan on working with others to grow faster? Or do you feel like it’s better for you to just kind of buy everything on your own? Like, not, not have partners, not split that sort of equity with others?

Robin Valadares [00:24:30] You know, I would love to work with others because that’s how we I think we’re built, right? We’ve learned so much from the experiences and the mistakes of individuals we work closely with. So I’m a big proponent of having a slice of an orange or a watermelon, then the whole grape, right? Yeah. So that only in material means of monetary means, but also in education and experience. I can’t tell you how many times I’ve met investors that gone through similar experiences, like taking a different option or solution. I’m like, Oh, I never even thought about that. So I’m a big fan of joint venturing or partnering or learning from individuals who are either older or younger or have different industries. And.

Georges El Masri [00:25:05] Yeah, absolutely. Well, that’s great. I think that’s going to be like that’s you’re going to be able to go so much further by working with others and growing. Do you feel like there is any anything we may have missed here? We covered we did an overview of your story and your goals and whatnot. Do you think there’s anything specifically you’d like to touch on?

Robin Valadares [00:25:26] I would like people to know that there’s I know this is more of a real estate centric podcast and I love real estate. I would ask people to look at different alternative assets because nowadays, more than ever, there’s a lot more accessibility to assets that may have once been for the ultra-elite or the ultraultra-wealthy. When I speak about this, it’s something like fine wine, fine art or cryptocurrencies that may trade off with uncorrelated positions to traditional assets. So beforehand, forgive me if you’re talking about like wine or art or assets where you only think about the ultra-elite to own it. But I can tell you from experience in the last year, owning wine and owning art, I don’t know much about either that or of a beer guy, but those assets have only depreciated 3 to 5% relative to my stocks, which are 22 to 25%. Yeah. So if you can hold on to your currency and hedge your currency against inflation and be against other assets of going down, I think you’ll be better off. But just open your mindset to this because I feel a lot of real estate investors are very real estate focused and there’s a need for that, but sometimes at their detriment because they close their mind to other things that may provide a favorable result.

Georges El Masri [00:26:36] Yeah, yeah, yeah. I understand that. I’m I started off like buying real estate and I’m still, like, relatively new. I started buying five years ago real estate. So I just this year started opening my mind up to other, other opportunities. I just felt like it was such a good way to grow and you can get amazing returns. So I think it’s important for people maybe to start in real estate, but definitely at some point start looking at other options because for example, options trading can generate that cash for that real estate may not generate for you. Right. And find your lifestyle that way so you can combine these different tools that you have, the different knowledge that you acquire to create the life that you want.

Robin Valadares [00:27:23] Great. Yeah. And like you said, because often as we get to real estate, the shiny objects and there’s different ways to earn money in real estate. You can buy and hold. You can flip. You can do wholesale. You can do lease auctions. Right? You’re like, Oh, what can I start with? But yeah, start with one kind of sector and then slowly branch yourself up if you want to other avenues. Yeah.

Georges El Masri [00:27:40] Absolutely. All right. Perfect. Robyn, thank you for sharing all this. Do you want to share how people can reach you the best way to reach you? And then if you have any services or any courses or anything, you can feel free to discuss those as well.

Robin Valadares [00:27:52] Perfect. Thank you for the opportunity that you can reach me. My business name is financially fulfilled physio at Instagram. So you can put that handle there. You can reach me personally at info at financially fulfilled physio dot com or go to the website at WWW financially fulfilled physio dot com. I’m pretty accessible all the time and I love talking about this, so don’t feel like you’re burdening me with any questions whatsoever.

Georges El Masri [00:28:16] Awesome. Thank you, Robin. I really appreciate your time. Hope you’ll enjoy the rest of your day and we’ll talk again soon.

Robin Valadares [00:28:22] We’ll do that. Thanks very much. Anytime you can set aside the GTA in terms of Hamilton, set me up for some golf.

Georges El Masri [00:28:28] Thanks for listening to this episode. Your support is truly appreciated and if you can share this with a friend or family member, that might benefit from the information. Remember, our goal is to motivate and inspire others to take action and to build wealth and to become well-off. Enjoy the rest of your day.

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