To Profit with Little Money, this Works Like Crazy…and Helps Your Friend at the Same Time

Nov 28, 2020

You don’t need $300,00 to create great returns. You don’t even need to deal with tenants!!

Do you know someone with credit card issues? Perhaps they are paying 18%, 25% even 30% in interest to credit card companies.

Would you be interested in even half of that interest? For example let’s invest $20,000, 9% produces $1000/yr, 12.5% produces $1500/yr, 15% produces $1800/yr !!

Don’t want to part with your savings? I feel the same, that’s why I took advantage of the CARES ACT and make tax-free returns from my retirement.

And best of all, I can build in safety nets so my retirement account won’t come crashing down with the stock market.


Hey, I’ve been in your shoes and I love sharing stories of my journey and how I got money working for me. I’ll show you how too!


My goal is to experience with you, what’s on the outside. By sharing what we learn, we can all do our part to keep doing what we love, flying, without the threat of loss of income.

Together we can fly because we are proud rather than fly to survive. Click the image below to join…


Pilots make excellent money and we love what we do. We are used to being in command and control in the flight deck. But it’s our financial future, managing cash flow, wealth and passive income that can often seem OUT of our control. It can be a risky gamble to put your money into retirement funds and the stock market. No one gets held accountable if there are significant losses. And so it feels like you run out of options. 

After entering the world of Real Estate Investing, I’ve found a path to security, passive income and feel in control again. 

Real estate investment stands on the solid foundation of homes and buildings, which is in high need. We have control of the tenants we have, screening them for reliability and long-term viability. We can take measures if someone isnt working out. We create the system and safeguards for our investment, and all the income comes straight to us. Our return on investment (ROI) is high and steady.

As a pilot and real estate investor I am passionate about helping other aviation professionals fly towards financial freedom through investing in multi-family properties. Let me show you how to put your money to work for you. 

Do you want to see your money multiply, creating financial freedom for your future? Are you interested in increasing your income through passive means? If so, book a briefing with me and let’s talk.  


As you saw from my last video, we could easily add $300,000 to Captain Bob’s retirement account in 14 years. But what if you don’t have $300,000 in your retirement? What if you have $20,000? Watch as I explain to Pilot Chris how to make great returns with a small account and help a friend’s credit card problem at the same time. Yeah. So, and that I showed how I could double Captain Bob’s retirement in 14 years. But in that example, Captain Bob had $300,000 and I want to show you and everybody that you don’t need $300,000 to do this, at all. So we’ll just use this example. All right, so you can see my screen. For the first example, we’ll have Chris with his credit card, right. And then over here is Mike, solo 401k or IRA. Right? All right. So in this example, we’ll get round numbers. So it makes the math a little bit easier. So let’s say Chris over here, he has $20,000 in credit card debt, just hypothetically right. And credit card interest rates, I’ve seen them between like 17, I’ve seen as high as 30 on my Amazon card. So we’ll, let’s do 18 because it’s an even number.
So let’s just say, hypothetically, interest rate on the credit card is 18%. Okay, so now my solo 401k retirement plan can now, since I don’t have $300,000, it does have 20, watch what happens. So now I can now take that, my $20,000 from my solo 401k, and now your credit card debt is gone, zero. And in return you were paying 18%. Well, we negotiate. I want to help you out because you’re helping me out. You’re helping my retirement plans, I’m going to help you out. So in this instance, we agreed, hypothetically, you are now going to pay my IRA, my solo 401k back at 9%. Okay. Now what has this done beneficial to Chris. Number one, your credit score, commercial credit score for credit card has now gone up because you paid off your debt. You have no more credit card so your score went through the roof and your payments, your monthly payments went down.
Now, everyone talks about percentage wise and everything. It’s easier to think in dollars, right? And the only way to convert it is use the financial calculator. So I’m going to use the financial calculator and show you dollar-wise what this does. And by the way, you no longer pay 18% so that’s crossed out. So we’ll just base this off of, let’s say, we were planning on paying it off in five years for even numbers, right? So I put in five years and the original was 18% or $20,000. That’s a monthly payment of $508 a month. Right? So it went from 508 a month to, do 9%. Now your monthly payments went down to $415. It’s almost a hundred dollars savings per month. So per year, you just saved $1,200 for the year. And that’s just with $20,000.
And that’s with the 18%, we can go higher too. So just to show you number wise how much you’d be saving, right? Now, what about on this side? So what are the benefits? So the benefits are my retirement plan now gets a 9% yield consistently. There’s no dip like in the stock market. It’s consistent 9%, which is huge returns any way, in any mutual fund. But the fact that it’s consistent because it’s compounding, it’s a lot of money.
In fact, let’s talk about how much money that would be. Actually, because we already did that so the interest on that over five years, I go to, I just laid $5,000 in my retirement account by helping you out, not bad. So the minus, okay. Lets say, if Chris missed a payment, Hey, you, you can’t pay it this month because of the COVID what not, so missed payment.
What would have happened if you missed a payment with your credit card? Holy shit, your credit rating is going to rock bottom, but because we’re friends because this is a mutual deal, we can renegotiate. So now I could say, okay, hey, I understand. How about we skip the next six months payments and just continue it on. So instead of the five-year payments, now it’s five years and six months. So now you have time to recuperate or I can change that 9% to 5% and extend the terms. So now if you miss a payment for any reason, we just talk. No problem.
All right. Now let’s say it’s really bad. Let’s say you just don’t return my phone calls. You leave the country. Well, in this situation, we can add collateral, just like a bank, right? So in this situation with this agreement, I would say, okay, in return as a safety net, we would say, okay, let’s put a $20,000, second lien on your house, or let’s say you have a car that I think the value is proportional or greater than the 20,000 car.
So what does this mean? So in absolute worst case scenario, and most likely this won’t happen because we can renegotiate the payment. But from a safety net standpoint, let’s say your house is worth $200,000, right? Through foreclosure processes with the bank and everything. My IRA, my 401k can now make $200,000 from a $20,000 investment. That’s a 1000% return.So with a lien on the house, can actually come foreclose. Correct. Even though it’s a second lien, there are methods and they’re a bit more complicated to get the entire house. But like I said, that’s if it got really bad, but the best part is we have other mechanisms like over here, if you miss a payment, you just renegotiate, no problem. So that’s the basic concept of, so basically it’s a win-win for everybody. Right? I get 90%, if things hit the fan, I get 1000%, credit score goes up, monthly payments go down.Incredible how by taking advantage of the CARES ACT and using your self-directed retirement account, you can make win-win deals the profit like the bank.Want to learn the details of how to make win-win deals? Schedule a free chat with me at and I’ll walk you through how to invest like the rich without the volatility of Wall Street.Keep an eye out for the next video were we continue this same strategy to reduce credit card interest to negative, meaning we make it pay itself off.