Opening:

How much is enough? Is there one answer that will fit all people? Is it possible that the experts are wrong? Will you be able to retire and live comfortably without financial distress? Is that even a good idea? What? I’ll explain momentarily.

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Listener Questions:

• Martin, Valdosta, GA, “It seems that all the great deals are in a bad part of town. Is that true everywhere? How do I make any money there?”
• Patty, Elizabethtown, KY, “Do you see the foreclosure market exploding?”
• Brian, Simpsonville, SC, “Can you explain the difference between cap rate and cash on cash return? What should I be looking for when buying a single family rental?”
• Sherry, Sebring, FL, “What are the key steps when buying a flip project in another town?”
• Lynetta, Kalispell, MT, “We want to bounce back and forth between Montana and Arizona, you know, avoiding the weather extremes but getting in some skiing when we want, etc. We are both in our mid 50’s and our question is should we buy something in both places or just do longer-term rentals? We could pay cash for both places, but can’t help but wonder if our cash is better off elsewhere.”
• Beverly, Villages of Ocala, FL, “Please explain the 1% rule for rental houses and why that is a good thing.”

Topic:

Can you imagine a life with no problems, no stress, no distress, nothing ever goes wrong, no one mistreats anyone else. Each person makes good decisions that bring the best possible results to everyone else. The weather is always 76 and sunny with low humidity. You have all the living space, food, comfort and entertainment you need. You have good friends and fun things to do in your spare time. If you work, it’s a job you love and everyone there is great. Your life is just perfect. For the rest of this discussion I’m going to refer to this paragraph as The Great Blessing.

Ok, IF that were even possible, what would happen? I predict that anything repeated long enough gets old. You may begin to take all of the good blessings for granted. You may forget there was ever any other way of life. You may begin to believe that you are entitled to this life and the result is your gratitude begins to slip. When gratitude slips, so does appreciation. When appreciation dips, satisfaction and general happiness are affected. 

Are you familiar with the phrase, Dulcius ex Asperis (Through Difficulty, Sweetness). The best way to appreciate and enjoy The Great Blessing I described a moment ago will be to have come through something very different – perhaps difficult. If you never experience difficulty, you may never recognize its absence for the blessing it is. 

Every day is perfect – how boring. No, into every life a little rain must fall. It is the very nature of this fallen world for us to experience what seems like the opposite of The Great Blessing. Americans have the rather unique perspective in all the world that “the good guys will win,” and “if you work hard enough you will succeed,” and “my story deserves a happy ending.” Most cultures around the world do not believe this and they tend to consider their view of the world as more realistic. 

The fact is, people can be difficult, cruel, or even evil. Others are invariably affected by the actions of those who are selfish, out of control, mean or just downright crazy. This can make the world a tough place to be. Most places on the planet do NOT have perfect weather and if the phrase “perfect weather” can mean different things to different people in different circumstances.” Perfect snow skiing weather is not perfect for the beach or for the growing of our food. 

Now what about money? Should you accumulate enough money you’ll never have to worry about money again? It’s interesting to me that when we feel a sense of want or lack, we will pray. It’s not often that we will pray just to have a conversation with God. We usually are best at praying when we need something, right? It could be that God allows lack into our lives because He would just like to hear from us a little more often. 

But let’s assume that you will remember to be grateful, but you’d prefer to be worry free when it comes to finances. How much do you need?

I routinely ask this question of my show guests. Most say one million dollars. A recent guest said with inflation the way it is, you need TWO million dollars in order to live a decent life in retirement. And the financial planners in the crowd will always answer 25 times expenses. That answer allows for a variety of lifestyles. 

Let me tell you where that number comes from, in case you don’t already know. 25 times expenses means you have your nest egg invested in something very safe that is providing a 4% net yield. That way you can live the rest of your life and never touch the principle.

For example, say you need $4000 per month to live. That’s $48,000 per year. Multiply that times 25 and you get $1,200,000 million. And you will be living modestly on $48,000 per year in the years to come. Hopefully your home is paid for. 

You can live comfortably in many other well developed countries for around $2000 per month, which would mean a mere $600,000 in your nest egg will work. And you can get by with less when you factor in your social security payments.  

So how much is enough? The answer varies according to the needs of each individual, but the fact remains, most Americans are in no position to retire. 

I had a friend years ago who had a great t-shirt. It said, “Get even. Live long enough to be a burden to your children.” That was funny then and now. But seriously, it’s not what we want. We want to retire with enough. And along the way we would like to have enough. 

It’s up to you to determine how much is enough for you. Then it’s your responsibility to make sure you have the nest egg that can get you there. 

But I would invite you to consider at least the possibility that you have been influenced by consumerism. George Carlin famously defined a house as “a place where we keep our stuff while we go out and get more stuff.” Every commercial we see or hear is trying to tell us we don’t have enough or we are not enough. We don’t want just just fish, we want our own boat. Well that boat isn’t big enough or fast enough you need twin engines. And then that boat doesn’t go into the ocean well, so we need a yacht. But then we will need an explorer yacht, then a luxury yacht, then a super yacht… you get the idea. Whether it is boats, or video games, cars, clothes, or even houses, there is a little voice in our brain that whispers “it’s not enough.” 

If we listen to that voice, we will never have enough. Because no matter what you have, there is always something bigger, better, newer, upgraded, improved and just enough more that what you have isn’t enough. 

So how much is enough for you? You’ll take a big step toward contentment when you express gratitude for what you already have.

Topic: 

[ Original story by Bob Perks, in Chicken Soup For the Grieving Soul ]

At an airport I overheard a father and daughter in their last moments together. They had announced her plane’s departure and standing near the door, he said to his daughter, “I love you, I wish you enough.”

She said, “Daddy, our life together has been more than enough. Your love is all I ever needed. I wish you enough, too, Daddy.” They kissed good-bye and she left.

He walked over toward the window where I was seated. Standing there I could see he wanted and needed to cry. I tried not to intrude on his privacy, but he welcomed me in by asking, “Did you ever say good-bye to someone knowing it would be forever?” “Yes, I have,” I replied.

Saying that brought back memories I had of expressing my love and appreciation for all my Dad had done for me. Recognizing that his days were limited, I took the time to tell him face to face how much he meant to me. So I knew what this man was experiencing.

“Forgive me for asking, but why is this a forever good-bye?” I asked.

“I am old and she lives much too far away. I have challenges ahead and the reality is, her next trip back will be for my funeral, ” he said.

“When you were saying good-bye I heard you say, ‘I wish you enough.’ May I ask what that means?”

He began to smile. “That’s a wish that has been handed down from other generations. My parents used to say it to everyone.” He paused for a moment and looking up as if trying to remember it in detail, he smiled even more.

“When we said ‘I wish you enough,’ we were wanting the other person to have a life filled with enough good things to sustain them,” he continued and then turning toward me he shared the following as if he were reciting it from memory.

“I wish you enough sun to keep your attitude bright. I wish you enough rain to appreciate the sun more. I wish you enough happiness to keep your spirit alive. I wish you enough pain so that the smallest joys in life appear much bigger. I wish you enough gain to satisfy your wanting. I wish you enough loss to appreciate all that you possess. I wish enough “Hello’s” to get you through the final “Good-bye.”

He then began to sob and walked away.

[ Original story by Bob Perks, in Chicken Soup For the Grieving Soul ]

Quote of the Day

Traditional Irish Blessing

May you get all your wishes but one

So you always have something to strive for.

Expected Air Date: Monday 10/31/2022

Transcript

[0:00] How much is enough.

[0:10] Will you be able to retire and live comfortably without financial distress or is that even a good idea? What?

[0:17] Music.

[0:31] Teaches you how to make money in real estate wherever you are whatever your situation there is an opportunity for you and now
Here’s that flipping America guy Roger Blankenship thank you for joining us my friends and hello America thank you Kathy Curtis and always great to hear from you.

[0:50] This is the flipping America show we don’t encourage you to drop what you’re doing start flipping houses like you see on TV but we do encourage you to consider real estate,
As a part of a balanced investment portfolio and to that end we intend to bring you the best news information data statistics trends methods
Styles, whatever it is we can to help you make the best possible decision about your own relationship with real estate. Now, today, we’re taking a little bit of a different.
Hey Facebook between our ears and kinda get our heads straightened out a little bit
It’s very easy to get sucked up into consumerism and materialism and I’m not going to say anything bad about the possessions that you have and
I think that it’s a little bit of a personal experience and personal decisions but
Only you can answer whether.

[1:59] How much is enough.
Or is there a
Yeah, we’re gonna talk about all that coming up after the break. If you wanna reach us here at Flipping America, we’re on Facebook, Facebook. Com slash flipping America media. Remember we have put the word media in there. Twitter and Instagram at Flipping America.
Youtube. Com slash Flipping America please like and subscribe subscribing will help our YouTube experience is new and you can tell we don’t have that many subscribers but we need you
Please help us out thank you.
WIT two this number 205858,
3547 you enter your email and you will be subscribed to the weekly wit wit stands for whatever it,
But since it does have the word in it and since we like a little humor around here. The newsletter always has a joke.
So, here’s what’s in the newsletter. It has the week’s real estate in flipping American news and investing tip, a joke and a blessing. It usually is about a 7 minute read.

[3:22] Some optional
Links. Shout out to our show sponsors today flipping America funding. Get the money you need for your business, for your training, for infrastructure,
End for your projects flipping America funding is your one stop shop for all of your business funding needs and now you can get funding for your commercial deals as well by going to flipping America funding. Com and you’ll be hearing a little bit more about the
Just a reminder if you go to Flipping America. Net slash
Kindle book.
Called how to put skin in the game when you’re running thin on skin it’s a book where I explain how you can do real estate deals and how I did my first 500 real estate deals without a penny,
Of my own money
Questions at flipping America. Net and we’ve got time to deal with some of your questions today please always remember to tell us where you’re from and how you listen to the show because we like to know both of those things,
If you don’t tell us we’re just gonna ask so try to remember.
Martin from Valdosta Georgia seems that all the great deals are in a bad part of town. Is that true everywhere? How do I make any money there.

[4:51] Well, that’s an interesting question, Martin. The past few years,
There have been a dirt of really good deals and a lot of the really great deals are in a bad part of town but what I would say is if it’s in a bad part of town it’s not a great deal you’re gonna have more problems there.
They knew Will in a better part of town and these are some things to take into consideration you have theft and vandalism and the other things that make it a bad part of town plus in the end whether you’re renting the house or selling the house.
Occupant of that property has to be somebody who wants to live there and who wants to live in the bad part of town? Well, that’s people who those are people who can’t get anywhere else.
So you’re going to not be dealing with the best people and I would say if you know what’s the bad part of town.

[5:39] For the most part, I would say avoid it. Now, there are people who just can’t get anywhere else and there are people who believe that this,
Bad part of town is actually going to get better and so if we can buy a borehouse there and an expensive house under $20 thousand in lot of times under 15 1000 we can make it work
By doing seller financing and that’s a great way to
Take advantage of a possibility in a part of town that may not be the greatest but definitely if it’s a war zone and there’s a lot of abandoned buildings and
And nobody really wants to be there. I would just avoid it all together.
Patty from Elizabethtown Kentucky Elizabethtown Kentucky do you see the foreclosure market exploding,
If you listen to me, if you listen to me for any length of time, the answer that is no, I put your question on the show here though because people need to hear it over and over again. No, the foreclosure market is not exploding. Yes, foreclosures are up,
Yes foreclosures are up more than 100% over last year but ignore the scare tactics being used by the people writing these headlines or trying to get clicks on YouTube,
Because a year ago there were no foreclosures so it’s not hard to double that rate.

[6:57] Okay I have been saying for a while and we’re seeing the evidence of this now,
The foreclosure market is going to open up in the fall or the third or fourth quarter of this year and that’s happening and we’re going to see a bump
In the rate of foreclosure above the normal baseline rate that we were enjoying back in early 2022
I believe that will happen in early 2023. We’re not even back at that level yet.
But by early 2023 we will be and for the first quarter of the next year we will be at a higher than average rate of foreclosure over the past 6 year trend anyway and then it’s going to settle back down,
There are number of reasons I believe that I’ve detailed them before
But just to give you the highlight there’s still a lot of demand for housing stock even though interest rates are up there there is pint up demand there’s not enough new construction going on we’re about 500 1000.

[7:56] Houses.
Short and new construction just to keep up with the normal demand there haven’t been any starter homes built in many years just about anywhere in the country and so there’s
Enough demand for houses that anyone who goes into foreclosure who finally accepts the fact that they could lose their home they’ll be able to get it sold in time for the most part,
Also banks have learned the language of deferment.
And I believe that this will be an option they will consider going forward and circumstances where people you know are.

[8:29] Truly in distress.
And so I think that you will see fewer houses actually making it to the finish line of a foreclosure.
Even even though the foreclosure activity picking up,
The cap the capitalization rate cap rate is the rate of of return net return on your investment and
The cash on cash return is actually the same thing if there is no loan on the property okay
You’re gonna evaluate the return just on the cash that you have in it. So, you buy $100 thousand house, you put 20 1000 down, your cash on cash return would be evaluated based on the 20 1000 you have down and not the entire amount but,
Your capor.
Would be Melissa you have a nine% rate of return you you have $100 thousand house you get a $1000 a month and,
After your expenses, you net $9000. That’s a nine% return. So, that’s a nine% cap rate and that’s also a nine% cash on cash return if,
You.

[9:49] If if you paid cash for the property if you finance the property put 20 1000 down then you’re gonna make make $9000 on,
A $20 thousand investment and if you take 9000 divided by 20 1000 that’s a 45,
Return on your cash and that’s where,
Real estate can get really attractive. What should you be looking forward buying a single family rental? Well, i don’t.
Really incarcerated is actually used for multifamily mostly apartments and it’s also used another commercial real estate investing but the one way that I will consider capate
Single family investing is just doing a yield spread analysis the difference between the cap rate.

[10:38] The loan constant. Sorry, I had a mental block there for a minute.
No, these notes are not written out in front of me. That difference should be a positive number and it’s interesting that that number is actually the same thing as the debt service coverage ratio. Now, I’ve given you some other words to look up
But investopedia is your friend Brian so
Thank you for the questions and I appreciate it really and don’t don’t always go to Investopedia send them to us first because we like to talk to you.
But investopedia is a great source,
What are the key steps when buying a flip project in another town well,
The first key step is to make sure that you have a good team working for you in that other town and that begins with an ends with your realtor.

[11:28] A huge determining factor of whether I will do a project in another town’s weather not I have a realtor there. Now, I don’t have to have a realtor there if I’m doing a micro flip arm,
What’s called a wholetail,
If we’re doing a full fix and flip project I need a good contractor in the best,
Place to get a good contractor is with your realtor the next best place to get a good contractor.
Is that your
The protest of your local big box store I’m talking about Home Depot and Lowe’s yes they provide valuable services at the protest and they usually have cards for,
Contractors and some of them have their own contractors that are licensed to do work for Home Depot and Lowe’s and you know we’ve had some fairly good success with
Those service providers.

[12:22] So, those are your two steps. Make sure that you have a good realtor. Make sure you build a good team. Good contractor.

[12:29] That’s the main key steps I think Sherry. Lynette from Kalispell, Montana, we wanna bounce back and forth between Montana and Arizona, you know, avoiding the weather extremes
But getting in some skiing when we want et cetera we are both in our mid 50s and our question is,
Should we buy something in both places or do we just do longer term rentals we could pay cash for both places but can’t help it wonder if our cash is better off elsewhere
I think that you’re on to something there Lynetta and
I don’t know if it’s rentals or if you finance the properties but I personally like the idea of rentals and using your cash to invest in things that produce income,
And because the rentals keep you from being locked in let’s say that the time comes and you don’t wanna go to council anymore or maybe the other way around the time comes and you don’t need to still wanna be in Arizona or the
The time comes instead of Arizona you wanna be in Cabo San Lucas or,
Instead of cow spell you wanna buy a you wanna be an a mountain home in
The country of Panama or Ecuador or somewhere like that,
You have a lot more flexibility if your renting and not owning.

[13:53] We rent.
Pure numerical bottom line better use of our money reasons.
But also there are freedom reasons our children are all grown
We’re not tied to anyone place. Now, I am tied into the Atlanta community here, the Atlanta investing community
Everything that’s going on with the ability to just set up a studio.

[14:32] Where the flipping America show may be coming from.
Three of our children are still in the Atlanta area but,
Two of them have indicated an interesting being somewhere else so,
There is no telling.
The perspective of maybe getting in on the ground floor of
Average better than market appreciation on a property over the next 2 to 3 years then you might consider buying
But for the most part those.

[15:16] Doubt in the areas that you’re talking about as far as i know.
Maybe time for one more Beverly
Villages of Ocala please explain to one% rule for rental houses and why that is a good thing one% means that your average rent is one%,
Of your total acquisition cost.
One% is a $1000 now by acquisition we mean the total cost to buy it
And the initial you know rent ready repairs,
So if you buy it for 90 and you put 10 into it to get it rent ready then you’re that your acquisition of 100 you wanna get a 1000 a month off that,
And out of those expenses you should net around nine% or $9000 that’s why the one% rule is what it is.

[16:13] Music.

[16:23] Hey are you ready to learn this business for real.
It includes 25 home study courses inclusion at all weekend training events for life.
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Can you imagine a life with no problems?
No distress.
Each person makes good decisions that bring the best possible results.
Everyone else.
You have all of the living space, food,
You have good friends and fun things to do in your spare time if you work it’s a job you love and everyone there is great.
Your life is just perfect.

[17:34] For the rest of this discussion, I’m going to refer to the paragraph I just said to you as the great,
Blessing.

[17:49] I predict.
Anything repeated.
You may forget there was ever any other way of life.
You may begin to believe that.
When gratitude slips.

[18:20] When appreciation dips.

[18:29] Are you familiar with the phrase Dulceus X aspirations?
The best way to appreciate and enjoy the great blessing I just described will be to have come through something very different.
If you never experience difficulty you may never recognize it’s absence for the blessing that it is.
If every day is perfect,
It’s a very nature of this fallen world for us to experience what seems like the opposite of the great blessing
You know, the good guys will win and if you work hard enough, you will succeed and this is a good one. My story deserves a happy ending,
Most cultures around the world do not believe this and they tend to consider their view of the world as more realistic than the Americans the fact is.

[19:36] In the real world people can be difficult.
Others are invariably affected by the actions of those who are selfish or out of control or just plain old meaning.
This can make the world a tough place to be.
Most places on the planet do not have perfect weather and if and even in the phrase perfect weather can mean different things to different people in different circumstances perfect snow skiing weather is not perfect for the beach or for the growing of our food.

[20:12] Now.
Should you accumulate enough money you’ll never have to worry about money again it’s interesting to me that when we feel a sense of want or lack.
It’s not often that we will pray just to, you know, have a conversation with god and I know if you feel anything like me, you think that god’s pretty busy and you don’t wanna bother him with the
The boring manushia of your life. We’re usually.
So, you know, it could be that god allows lack into our lives because he would just like to hear from us a little more often.

[20:56] Well, let’s assume that you will remember to be grateful and you’d prefer to be worry free when it comes to finances.
So, how much do you need? I routinely ask this question of my showgas. Most of them say one 1 million dollars
A recent guest said with inflation away it is right now you need at least two 1 million dollars in order to live a decent life and retirement.
Now when I talk to financial planners and accountants in those types of people they will almost always say 25 times expenses that answer allows for a variety of different lifestyle let me tell you where that number,
25 times expensive mean that,
You have your nest egg invested in something very safe that is providing at least a four% net yield
You can live the rest of your life and never touch the principle so you never have to worry for example.

[21:51] At least you never have to worry about money. For example, you say you need $4000 a month to live. That’s $48 thousand per year. You multiply that times 25 and you get $one. 2 million and
You will be living modestly on 48 1000 per year in the years to come.
Hopefully, your home is already paid for. And I know some of you out there saying, bah, but never touch the principal. I don’t have anybody I wanna leave. The money too, why can’t it take a little bit to the principal? Okay, I’m just telling you what the experts say. That’s why I ask at the very beginning of this, are the experts always right?
Okay.
No I wanna point out also that you can live comfortably in many other well developed countries for around around the world for around $2000 a month.
Which would mean a mirror 600 1000 in your nest day will work,
And you can get by with less when you factor in. You know, you’re probably gonna get some social security payments along the way, right? So, how much is enough?
The answer varies according to the needs of each individual but the factory say it remains most Americans are really in no position to retire.

[23:02] I had a friend years ago at a great T shirt it said get even.

[23:15] We want to retire with enough.

[23:21] It’s up for you to determine how much is enough for you then it’s your responsibility to make sure you have the nest egg that can get you there.
I would like to invite you to consider at least the possibility that you have been influenced by consumerism.
George Carlin famously to find a house as a place where we keep our stuff while we go out and get more stuff.

[23:43] Every commercial we see or here is trying to tell us that we don’t have enough for we are not enough.
We want to be able to fish and we want we don’t just wanna be able to fish we want our own boat and that boat isn’t big enough for fast enough so we need twin engines and then that boat
Does it go into the ocean very well so we need a yacht but then we need an explorer yacht and then we need a luxury yacht and then we might as well get a super yacht you get the idea
Whether it’s boats or video games or cars or clothes or houses or any kind of possession or any kind of thing that we can accumulate there’s a little voice in our brain that,
Whispers to us
It’s not enough,
No matter what you have.
There’s always something bigger.
Isn’t enough.

[24:51] So how much is enough for you.
And you can take steps to shutting down that whisper by making conscious decisions to accept that you don’t need the biggest the baddest the latest the greatest.
Of whatever it is.

[25:24] My phone is several versions old right now and you know it does everything I need to just find it doesn’t have the latest and greatest
Camera for example so what it’s not like i’m taking pictures that I’m trying to get published in a magazine
And i have just long ago rather than given to the craze of upgrading my phone every year when the new model comes out just decided that this one’s gonna serve me until it just doesn’t serve me.
And the one I have right now when I bought it a few years back and I’ve got it with all the memory you could get because that’s where the phones tend to run out.
And.
Now I’m not trying to you know say anything about those of you out there think you have to have a new car for a couple of years but.
I find that the technology in the most recent used car I bought.
Is a really cool upgrade from the one that I had that was 10 years old that finally sort of gave up the ghost.

[26:36] A car that gets me from one place to another in a relative amount of comfort and style is really I mean how much more can you really actually need.
And gratitude for that.
And so I’m gonna use the first person here but it’s not me it’s Bob Berkstalking.
They had announced her planes departure and standing near the door he said to his daughter.
She said, daddy, our life together has been more than enough. Your love was all I ever needed.
He walked over toward the window where I was seated and standing there. I could see you wanted and needed to cry. I tried not to intrude on his privacy but he walked into me in by saying did you ever say goodbye to someone knowing it would be forever.
Yes I am. I replied.

[27:39] Saying that brought back memories i had of expressing my love and appreciation for all my dad had done for me recognizing that his days were limited i took the time to tell him face to face how much he meant to me.
So I knew what this man was experiencing.
I am old and she lives much too far away I have challenges ahead and the reality is her next trip back will be for my funeral he said.

[28:10] When you were saying goodbye I heard you say to each other I wish you enough may I ask what that means.
He began to smile.
When we said i wish you enough.
He continues and then turning toward me he shared the following from memory.
I wish you enough rain to appreciate the sun more.
I wish you enough pain so that the smallest joys in your life appear much bigger.
I wish you enough gain to satisfy your wanting I wish you enough loss to appreciate all that you possess
I wish you enough hellos to get you through the final.

[29:22] Music.

[29:41] Been listening to Flipping America real estate investing for everyone. Listen three times a week on stations across the country or on the flipping America app free in the app store
Find and follow us on Twitter and Instagram and keep your eyes open.