Table of Contents - Stay At Home Mom To Financially Free Mom With Brooke Shang
George El Masri [00:00:00] Thanks for tuning in, it's George El Masri and I just interviewed Brooke Shang. Brooke went from being a stay at home mom to having a job as a management consultant to becoming financially free as a real estate investor. She continues to work to this day, but she was able to replace her income from her job within just a short three years. So her main focus has been rent to own. But she's also done duplex conversions and a lot of private lending. So if you're interested in learning about those three things, we we didn't just talk about them, but we also talked about the mindset. We talked about replacing your income with the importance of doing this stuff for your family. So we broke down a little bit of the details of private lending and different types of private lending, including equity sharing. So there's lots of good stuff in here for you to learn. You are always we always appreciate that you're tuning in and we love hearing your feedback. So if you want to let us know what your thoughts are and how we can improve, that would be great. Just reach out to us. You can go to Well-off Dossie to contact us. And if you can leave a review, that would be greatly appreciated. If you just do it on the Apple podcast's platform, that would be ideal. And yeah, I hope you'll enjoy the episode and have a great rest of the day. Welcome to the podcast, where the goal is to motivate, inspire and share success principles. Today I'm here with Brooke Schang. Brooke is a woman who went from being a stay at home mom to having a job as a management consultant to becoming financially free as a real estate investor. And she continues to work as a management consultant to this day, I believe, at least for my from my notes. That's what I see here. And she's still expanding her real estate portfolio. She was able to replace her consulting income in three years and has been able to reach financial freedom. And for. So, Brooke, welcome to the show. I'm happy to have you here.
Brooke Shang [00:01:50] Thank you for having me.
George El Masri [00:01:52] Yeah, my pleasure. I like to start off by asking you a little bit about your childhood, if you want to tell me about where you grew up and maybe one or two things you remember.
Brooke Shang [00:02:01] Oh, my God. I actually remember quite a lot. I grew up in Taiwan, actually. I didn't come to Canada until I was about 16, 17 years old. So I basically study two years of high school here. Then my life continued to be in Canada. However, I did go back to Taiwan to work for four years. So when I grew up, both my parents were teachers actually. So education is important. Like any Asian kids probably know that the parents always want you to be professionals and have a comfortable life. So in terms of education, I was pretty lucky that my parents were teacher. So I always had the resources or somebody there to help me along the way. And I finished graduate school here in Canada and since then I basically just started my corporate job. However, after I got married, I stayed at home with my kids for about 10 years before I went back again. Mm hmm. Yeah. So growing up, Ashley, we travel quite a lot. So Canada wasn't the first place we try to immigrate to. However, we landed here. So that's great how everything just happens.
George El Masri [00:03:18] OK, great. So tell us about your real estate journey. How did you get started? And yeah, just where are you at now?
Brooke Shang [00:03:27] Well, it's only been four or five years, but I felt like a long journey already when I started, I basically just took a real estate course. I invested in the education. So at the time I was thinking I really wanted to do real estate. I always have this idea in the back of my head because I read Rich Dad Poor that I've seen people making money through real estate. So I thought, you know, we were actually lucky in the sense that we had a condo in downtown Toronto that was our first home. And after we lived there and after we had kids, we thought we need to be on the ground. So we moved to midtown Toronto. We're still here in a tiny, tiny house. That's usually the path of a lot of Torontonians are taking live in a smaller place upgrades. And we happen to have a condo and rented it out. The rent is pretty good. And I thought we had the equity in the condo that enabled us to buy this home. So I see the power of real estate. I was thinking, you know, if we can seriously do this and do it right, why don't we give it a shot? So that was when I was already working for just about a year. And another thing, as my husband, I were both working and we were thinking, how come we don't feel any richer because our taxes are higher. And once you have kids, you know, their expenses go up. They have birthday parties, they have activities to go to and sometimes daycare. So luckily we didn't have daycare spending because I was at home first until they were both in school full day, basically when I started working. And that's when I thought, if it's not now, one, should we really get serious about real estate? So I asked around pretty fast and actually not worked and look for deals. So I think that's how it helped me, really the network and the people that the thing is everybody in the real estate community is really, really helpful. And I don't know if Georgia felt the same, too. And everybody is open to network and share experience as well.
George El Masri [00:05:37] Absolutely. I definitely agree with you. And we're part of the same group we we actually met at Durham area. Yeah. So that's one of those groups where I think a lot of people are open, like you said, and everybody's willing to help each other. So it's great to be a part of something like that.
Brooke Shang [00:05:52] Yeah, definitely. And actually I started going probably shortly after I got my education and I found it to be a place where new investors could be comfortable. And as we grow, there's also resources for us, for example, to present or share our experience or even speak to other investors with experience, like how you and I met. Yes.
George El Masri [00:06:19] Yeah, yeah, that's great. So where do you invest? Are you investing in Toronto or outside of Toronto?
Brooke Shang [00:06:26] Basically everywhere. Everywhere in southern Ontario. I've invested in the states, I've invested in other provinces, but mainly the investors, in other cases the active investors in my deals in Ontario. So it's because I do rental basically wherever the member works or where I can find qualified tenants, then I can get into that market. Yeah. So basically anywhere Southern Ontario, Toronto, Peterboro, Oshawa, Orangeville, Midland, London, just to name a few.
George El Masri [00:07:01] Yeah, yeah. I'm sure a lot of people that have that listen to this have no and understand rent to own. But just in case somebody new is tuning in and they don't really understand the concept, can you just give like a very brief description of what it is.
Brooke Shang [00:07:16] Definitely. And we can look at it both on the tenants perspective or as an investor. So as an investor, basically, you have a tenant that's qualified to be your tenant buyer, which means they may not be able to qualify for a mortgage today. So they need your help to either fix their credit or stake the down payment. So we look at three things when they qualify for mortgage rate, down payment, credit and their income, basically the only thing we won't be able to help them is to stay in a stable job and have the income that supports the mortgage in the future. So if they cannot qualify today due to not enough down payment or need to fix or credit, we can help them. So we qualify tenant buyers. They can purchase in two to four years, basically, but not today. Yeah, and front end investors point of view. You have a tenant from day one. So what happened is, was we qualified them based on their their income, how much they can come in with and how long it takes them to fix our credit. We give them a budget to look for a property that within that budget they live in that property. So from day one, basically, we have a tenant in there already. So no vacancy. Yeah, yeah, so at the same time, we help them save up the down payment, so they come in with what we call option consideration, that means that gives them the right to have the first refusal rights to buy the property at at a certain price. So for the tenant, they know what they're aiming for and you know how the market is and how. So all of my tenants today, their purchase price already gives them that equity in the house. Yeah, yeah.
George El Masri [00:08:57] That's what a good deal for them especially. Yeah. They're in Ontario right now and they've they've been in this program for two, three years. Obviously, prices have gone up substantially. So they're you're going to do everything possible to qualify for that mortgage at the end of the term.
Brooke Shang [00:09:12] Yeah. And keep the place clean and nice. Yeah. And I also have regular tenants. You know how hard it is to manage tenants or find the right tenants. And also we know how the tenant law is in Ontario. Yeah. Yeah. So the good thing is they'll treat it like their home so they'll keep it clean. They can do minor repairs or renovation. That that is totally fine as within limits. They're not going to knock down walls or change the structure of big, big items like that. Yeah, because we still own the property. So two things. I don't want them to ruin their credit again, overspend on their property. And also we still own the property so they can you know, it's a good thing to improve the property. I have no problem with that. However, if they do anything major, then they have to let us know because. Sure. We're still on title.
George El Masri [00:10:00] Yeah. Yeah, absolutely. Yeah. So that's just a quick summary of how Renton's work. I know you've also done, I believe, duplex conversions from what I've seen or legal second suites, that type of thing.
Brooke Shang [00:10:12] Yes. Yes, I have personally I know everybody have different goals and that's why we invest. Rental is usually two to four years. So I've also look at multi families and like you mentioned, duplex conversions, because for me, that's long term investment and rents always two to four years. However, rental cash flow is amazing. Yeah, and duplex. I've done it for two to three years now. Duplex flow is not as great, especially today. If you seriously consider how much you put in and if you want to get cash flow right away, it's kind of hard right now, especially how much it is.
George El Masri [00:10:53] Depends where it depends where you're investing. Yeah.
Brooke Shang [00:10:56] Yeah. So at the time, you know, we kept moving further out as well. And also the cost of renovating is a lot more. Yeah. So if you're an investor and even for me my down payment is financed, my, my conversion cost is financed. So there's debt servicing there. So for me my cause is higher. When I look at cash flow, I'm looking for better projects that can cash flow. And of course you can get the cash, you can refinance later, which I recently did, which is great because I own the property for only just over two years. Yeah. And I refinanced and took out three hundred thousand, so that was pretty good. So we, we have no money in the project right now because we took out the down payment, we took out the renovation investment that we put in. Yeah. And yeah. So this one is a joint venture with my, my partner. Right. Right. So in this case we both cashed out and luckily the rent covers everything because rent also went up quite a lot. Yeah. Yeah. Compared to a year ago. Yeah.
George El Masri [00:12:04] Are you still getting mortgages yourself at this point or are you kind of at that point where it's a little bit more challenging to, to qualify for a mortgage because you have other others.
Brooke Shang [00:12:15] Oh, that's been challenging for a while. Yeah. Yeah. However, I just purchased my husband, I just purchased our primary residence. So we're going to upgrade from this little semi in Toronto. OK, yeah. Because of that we kept our mortgage ability. So yes, we were kept out in the sense that we knew we were going to buy our home. So when we bought the duplexes we qualify for a couple and that was it. Yeah. And actually that we waited a year or two before it would qualify again for this house, for the new house where we're going to move it. Yeah. So everything I did except the one we had before I learn about real estate, pretty much everything is joint venture.
George El Masri [00:13:01] Right. Good for you. Yeah. Do you have any tips for people who are looking to get into joint ventures or even like explain what kind of results that passive partners can get, that type of thing?
Brooke Shang [00:13:15] Yes. So I would let my partner know what the project is about. And I understand when you start. So even when I start, I know the other party would be. Wondering, hey, how much experience do you have? Why should I invest with you? So in the beginning it might be a little bit harder. However, you know, I also do my own due diligence, so I wouldn't get into projects I wouldn't put my own money in either. So even if the money partner, the joint venture partners, come in with the money, I make sure it's a project. I would I would go in myself or that to the point.
George El Masri [00:13:50] Do you do you like a proposal or a business plan?
Brooke Shang [00:13:54] I used to. Right now, basically, I have the summary of the numbers in the project in the beginning. Yes, you you should be professional, have a website and show everything is done properly. Right now, I do have a summary of the numbers I usually go through with my joint venture partners. Right now I have quite a few joint venture partners lined up, so which means they know what I do. I send them the numbers. If I know other goals are, for example, for rentals, people come in because they want the cash. While it's for example, I'll just give you a rough example. Each rental versus a duplex, probably the cash flow to be doubled for for each party
George El Masri [00:14:39] in which area, by the way, for these like let's say you're comparing a duplex and a rent to own. Is there a city that you're looking at in this example?
Brooke Shang [00:14:49] Sure. I'll give you an example where I have both rental and duplexes. So I have rent to own duplexes and Embury. Yeah, yeah. So so say, for example, we can expect a duplex roughly Cashel for five hundred dollars. I think that's pretty fair because that's pretty much what what's the going rate or we did it. Embury. However, I know people are moving to Windsor and now to Sudbury even further out because like you mentioned, we probably don't see the cash flow. It doesn't work in the city. Then we move further out. Yeah, and another thing is you have to consider debt servicing for the duplexes because you have to budget in the time to renovate. I know there are cases where you perhaps can rent out the first units if it's in good condition. Right, and then you have the first unit rented out while you're converting, then you have some money coming in, at least to that service until you're done and until the second unit. However, I found that even for me, because I'm really careful about tenant screening now. So probably you won't take the first 10 and that only gives you a 30 day notice to their previous tenant. So a landlord or to move in in your unit. Yeah. So for a typical rental, I will say do budget and the vacancy rate will be realistic. And also the average tenant, at least what I've seen is one to two years, which is not bad because, you know, you can go back to the market rent, however, same thing. Consider the vacancy when you're dealing with a duplex. It's a good thing, as usually you have one unit rented so you don't have to worry about one vacant units. Yeah. And usually most of your expenses will be covered. So in a typical case in say very that I'm familiar with, yes, the cash flow will be a lot better for rent to own. However, you won't be able to catch all the appreciation because it's a set price and not just the tenant that owns it for two years, for example, even my tenant that came in the program for one year or less, basically the purchase price has already two days market price. Mm hmm. Yeah, yeah, yeah.
George El Masri [00:17:11] Yeah, definitely. There are there are certainly advantages to rent to own in terms of cash flow. Like you said, stability with tenants. The only the only downfall, really, if you're comparing the two strategies, is that your money sorry, not your money, but your sale price is predetermined on the rent to own. So if the market appreciates by 20 percent per year over two or three years. Yes. But you've agreed on a six percent appreciation or a five percent appreciation, then you're losing out on your leaving quite a bit of money on the table. So it kind of balances out at the end. Yes.
Brooke Shang [00:17:47] Yeah. So I think investing is also about control. Yeah. So same thing. I know a lot of listeners also invest in stocks or options. Yeah, same thing. It's about having control. So option contrat in the rental. We call that lease option because there's at least an option contract. The option contract is like an option contract for stock options. There's a specific specific price in a time frame when that contract is valid. Yes. So it's about control. So pretty much as soon as you have a tenant, you secure a property. You know how much of your return is already? Yeah, I know we're very lucky. In Alterra or even other cities in Canada, we've seen double digit return. However, we don't know if that's going to be forever. We're lucky that it happens that way. At the same time, it's about it's not speculating. You also have control. That's why I mentioned that. I'm also doing long term Holth versus Rentoul. I'm also doing a lot of private lending because, again, that's very, very short term. At the same time, you might have to constantly look for different opportunities, right?
George El Masri [00:19:00] Yeah. Can you tell us a bit about your private lending? So do you mind sharing, like, what do you do? First mortgages, second mortgages? Are you investing career species or just like personal funds, if you don't mind sharing?
Brooke Shang [00:19:15] Sure. Yeah, we're here to share. So that's no problem. Yeah, I've done well. I've done first. I've done second. I've done syndicates. I've also done equity sharing. Yeah. I actually like equity sharing because in the end for me, at least in that case, the profit is the highest. Can you tell
George El Masri [00:19:38] us can you just kind of explain what equity sharing is?
Brooke Shang [00:19:42] OK, so in my example, we put in money for a flip and we each have a third. So we put in the money. It's pretty much similar projects, a lot of private lending deals. I'm not sure if it's the same for us. Well, they're Flip's because they only need a short term, even though the interest is high, is worth it for the flipper or somebody investor working on the project to use that money with the flexibility and investor who want is basically a win win because we get very good return and then the investor could get easier access and more flexible capital to invest in our project. So in a case where equity sharing is basically when we flip a project, in the end we share whatever is left. So after all the expenses paid, we each get a third of the profit. So pretty straightforward in terms of syndicate, there's more than one percent. So we could possibly all be first and we pull the money together.
George El Masri [00:20:46] Yeah. So you're saying in your experience, equity sharing has been more lucrative than other private lending options
Brooke Shang [00:20:54] for me at least. Yeah. However, again, it's about control. Sometimes you have to wait till the project is done to get your return back. A lot of private lending deals. You can get monthly interest payments. Right. So, again, different goals. If you're looking for the monthly cash flows, probably it's better for you just to have a fixed amount of interest coming back to you have the cash flow every month. However, if you don't need that money, you you're able to wait until, say, for example, the project is done or the property is sold and closed. However, you don't know the timeframe, right? Yeah. So you have to wait what you're looking for. If you need the money right away, then definitely do a fixed term. You can do six months, one year, have a fixed interest rate on it.
George El Masri [00:21:42] Yeah, absolutely. Yeah. Great. So just if you can explain maybe how do people get started with private lending. Like do you do it through a brokerage. You reach out to people directly. What's what's been your your method that that has led to success with private lending?
Brooke Shang [00:22:00] Knock on wood. All the private lending deals I've gone through have gone well so far. So for the first couple, I did it with people I know. So in a circle I know, like and trust. Yeah. I've also probably early on I did have deals through mortgage broker and so the the cost is high for the borrower actually. And in that case I didn't know the borrower. It was through a mortgage broker, through the lawyer. The deal came through to me and I happened to have the funds at that point and I don't need to use it right away. So, yes, in the beginning I have gone through mortgage brokers there. There are fees, however the borrower pays. So for us as a lender, we just put in the money, go to the lawyer's office and sign the paper. Yeah. And yeah, at the same time, remember that if it's over fifty thousand, you have to have separate lawyers. If it's under you could use the same lawyer. However, you know, also if you're off that's your choice. Yes you do. You want separate representation. Which makes sense. Right. Because if something happens, who is a lawyer going to be on the side of. Yeah. Yeah. So yes, in the beginning I went through mortgage broker. Currently it's mainly through people I know just through the in the network.
George El Masri [00:23:17] Yes. And I'm assuming that's because, you know their work, you know their skill set. You're familiar with some of the projects they've done, so you feel more comfortable loaning to them rather than just being assigned someone through a mortgage broker where you don't know necessarily their history, you don't know what kind of person they are, that type of thing.
Brooke Shang [00:23:34] Exactly. Actually, the there's one deal I went through the mortgage broker. I didn't know this person. I know everything's on paper. There's a lawyer, there are lawyers. There were mortgage brokers involved. However, you know sometimes about sleeping well at night. Yes, yeah. Yeah. Because same thing. I didn't know this person. And at the end of the term he wanted to extend the interest rate was fantastic. Yeah. However, I thought about it, I think I still don't know this person and the fact that he wants to extend it makes me feel very comfortable. Yeah. So in the end they found somebody else to lend them the money. Same thing through the mortgage broker. Yeah. Then again, I think sometimes investing is we kind of say it's about the number. Do you do your own due diligence, etc.. Yeah, I always think for me at least, it's about the trust, right. It's very important about the trust. Do you do promissory notes as well for how money lending?
George El Masri [00:24:31] We haven't actually done any private lending to this point. We were looking into it, but we've actually we've been putting our money into real estate pretty much. Like buying for ourselves as opposed to doing private lending at this time. Mm hmm.
Brooke Shang [00:24:47] Yeah, yeah. And I think it's, again, about what you want to do, right? Yeah. Because for me, at the time, I knew we were actually looking for our home in Toronto. It was very hard because multiple offers and the same thing. A lot of families want to be in southern Ontario. So I know I won't need the funds right away. And before I found a property, however, I want my money to work. Mm hmm. So at the same time, another thing I want to mention is, you know, be flexible. So in my case, I thought, OK, if I need to extend my private lending, I know I have investors ready. So if their funds need to be replaced, I could probably use private lending myself, right? Yeah. And then pay the interest for a short period of time until my money comes back. Yeah. So it's about flexibility. Again, your network and I mentioned promissory note cetera, because again, it's about trusting the other party. Right. I know I still have the right to put Ali on the property and it's in the contract. I have the right to put a second mortgage it. Yeah. And yeah. And I still, depending on you know, especially it's the first deal. I probably will ask for more supporting documents. As well, just to make sure everything is lined up, that's yeah, it is a secure investments. The good thing is we're in real estate. Everything is secured against hard assets, right? Yes.
George El Masri [00:26:13] Yeah. OK, so with a promissory note, I guess it's like a contract that's signed by the two parties. And in that contract, it saying that if the person defaults or doesn't pay by a certain time, then the lender of the money has the right to put a line against the property. Is that right?
Brooke Shang [00:26:31] Yeah, I've done promise. For example, some people, they even use their own primary residence. ASSELIN Yeah. As well. So it doesn't have to be the project, but they work. So say, for example, you have a flip in Oshawa and you do need some collateral. You can use your own home or your other investments where there is already equity in it.
George El Masri [00:26:53] Right. Right. Yeah.
Brooke Shang [00:26:55] Yes. You do have the rights to put a lid on it. If they default sometimes in the contract, you can't even say you have the right to put it even before they, um, before they default, for example, and then just charge it. However, then the cost will be higher. So discuss it. The point is the term is so flexible so you can discuss with the borrower, the lender, how you want it done.
George El Masri [00:27:20] Great. OK, perfect. Yeah. Yeah. I think we covered a lot here. So is there anything you want to add before we move on to the next section?
Brooke Shang [00:27:28] Sure. I want to mention that my book is ready on Amazon. Oh, cool. OK, yeah. So basically what we've talked about. Yeah. You know, the funny thing is after the book is done, because I, I journal a lot, then I realize a lot of things I didn't put in there so I could probably add on more. Yeah. One thing, for example is birth. So I know a lot of people are interested in conversions. I didn't talk about my experience in the book. I talk, I talked about rental, private lending wholesale because other strategies I have used. Yeah, yeah. Then I thought, OK, I should be talking about more different things and now I'm looking into multifamily too. So hopefully I'll put in more and there.
George El Masri [00:28:10] What's the name of the book.
Brooke Shang [00:28:12] Financial Freedom. The Royal Way. Yeah.
George El Masri [00:28:16] OK, great. Yeah. I'll put a link. If you send me a link I'll put it in the show notes as well so that people can can look into it.
Brooke Shang [00:28:22] Sure.
George El Masri [00:28:24] OK, so let's go on to the next section, which is the random five. So I'm going to ask you five questions and you just tell me the first thing that comes to mind.
Brooke Shang [00:28:32] That's my favorite. And let's have some fun, OK? The other people do it.
George El Masri [00:28:36] Yeah. Yeah. OK, so what place would you first travel to if you could teleport? The. Nice. Yeah, that's cool. Yeah, that's an interesting one. You would just like to walk around on the moon and kind of explore a little bit.
Brooke Shang [00:28:54] Yeah, because everywhere else it's accessible. So why not go somewhere that's interesting a difference.
George El Masri [00:29:02] OK, that sounds good. Number two, what's the biggest misstep you've ever taken?
Brooke Shang [00:29:08] Oh, actually, I don't look at it that way. OK, I'm over thinking right now because I think every failure is it's not a failure is something that builds to your experience misstep. I did have investment that went wrong. I think not enough due diligence. OK, not not asking for help because, you know, we're in the circle, we should have just asked around to. There's references, right? Yeah, yeah, yeah. So not asking for help. And yes, I think that's.
George El Masri [00:29:39] Yeah, OK, fair enough. Number three, what's your biggest life regret. These are these aren't the nicest questions but OK anyway.
Brooke Shang [00:29:48] Did you just randomly pull it out from.
George El Masri [00:29:50] Oh there always are. End of every question is always random.
Brooke Shang [00:29:53] My biggest regret. Yes. I don't have any. OK, we don't have any.
George El Masri [00:29:59] Okay.
Brooke Shang [00:30:00] Perfect first answer right after they came to my head.
George El Masri [00:30:04] What are you most grateful for.
Brooke Shang [00:30:07] My most grateful for everybody that helped me so immediately, I thought about my family just being here in the basement because they're having online classes. So everybody is being being pushed upstairs in their room, closing their door and make sure, yeah, the Internet is good. So besides online class, nobody's allowed to use the Internet. So the point is, yes, my family, they always help me. Or if I have class or interview, yeah, I'm out of the house or lock them in their rooms for free. So they're always here. Yes. People that helped me and my family.
George El Masri [00:30:42] OK, great. And number five, when have you felt happiest to be alive?
Brooke Shang [00:30:47] When do I feel happiest,
George El Masri [00:30:50] when have you felt happiest to be alive?
Brooke Shang [00:30:54] Oh, my God. OK, um. There are a lot of probably another happy as a lot of happy moments, I see my kids accomplish what they wanted to do the day they were born. Family trips. Great. I think that's my favorite moments.
George El Masri [00:31:16] Yeah, that makes sense. Yeah, I can imagine, like, just going together with your family and a lot of people dream of that dream of traveling. And I think that's probably why you do all of all that you do so that you can give your family an opportunity to to do those things. So that's great, I guess, to finish things off, Brooke. How do you how do people reach you and what services do you provide?
Brooke Shang [00:31:39] Oh, OK. I provide pretty much everything, because if you get my book, I will say from networking queing. So if I don't have the resources, I'll for sure help you connect to somebody else. You can reach out to me through my website, not real estate networking queen dot com. OK, yeah. Or just reach out to me on Facebook. There's only one. Crookshank has my last name. Chaney's family name is pretty common, but my family name is very rare. Yeah. So the good thing is if you're just search on Facebook, LinkedIn or Instagram, there's only just one version.
George El Masri [00:32:16] Oh, perfect. OK, great. All right. So that's it. Thank you for for your time and for sharing your story. And I look forward to seeing you. Hopefully. See you soon. Not one of the investment clubs.
Brooke Shang [00:32:26] Yes. I hope to see you soon to George. OK, take care of your day. Thanks. Thanks. Bye.
George El Masri [00:32:34] As always, thank you for listening, I hope you enjoyed the content, and if you did, I asked you to share this with a friend, with a family member of somebody who might benefit. And it's always appreciated if you can leave us a review, especially if you're listening to it on the Apple podcast app or if you're on YouTube, give us a like subscribe comment and your support is always appreciated. Thank you very much.