The Most Dwanderful Real Estate Podcast Ever!

Credit Mastery: Building Your Adult Report Card for Success with Herman Dolce

• Dwan Bent-Twyford • Season 7 • Episode 390

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Celebrating a milestone of one million podcast downloads, this episode dives deep into the world of financial literacy and business funding with Herman Dolce, founder of Bella Sloan Enterprises and creator of the Execute Podcast.

As a first-generation Haitian-American entrepreneur, Herman brings a refreshing perspective to financial education, breaking down complex concepts into understandable components. His comparison of credit reports to "adult report cards" perfectly captures his teaching philosophy - making financial literacy accessible to everyone regardless of background.

What makes this conversation particularly valuable is Herman's insider knowledge of business funding strategies that allow entrepreneurs and real estate investors to access capital without impacting their personal credit. He reveals how his clients secure up to $50,000 in 0% interest business credit through strategic banking relationships, providing the leverage needed to launch businesses or fund real estate projects without personal financial risk.

The discussion turns especially practical when Herman explains how his company has evolved to serve over 3,000 monthly members through Bella Sloan Academy, offering weekly education, accountability systems, and practical resources for just $50 monthly. His approach combines education with implementation - teaching students not just theory but practical application through careful accountability.

Most exciting is Herman's collaboration with construction expert Charles Noonan to help 1,000 people acquire property through land banks, secure funding, complete construction, and implement profitable exit strategies. This comprehensive approach addresses the full spectrum of real estate development, providing a roadmap for beginners to enter the market with guided support.

Ready to transform your approach to credit, funding, and financial literacy? Join Herman's community at BellasLoanAcademy.com or connect with him on Instagram @Haitian_CEO. And remember his powerful parting wisdom: execution trumps knowledge every time. Start putting what you learn into action today!

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Make it a Dwanderful Day!

Dwan Bent-Twyford:

Hey everybody, Welcome to The Most Dwanderful Real Estate Podcast Ever. I am your host, Dwan Bent-Twyford, America's Most Thought After Real Estate Investor, and I have some really exciting news about the podcast. We just reached 1 million downloads. So I am so excited and I'm so thankful to all of you for listening and staying tuned in. A million downloads, it's like woo. So now let's see how fast we can get to 2 million. That's our goal. I have a great guest today. We always you know, we just dive right in. I have Herman Dolce. Herman, how are you today?

Herman Dolce:

Dwan, I'm doing amazingly well. How about you?

Dwan Bent-Twyford:

I'm good. I'm good, I'm happy that you took some time to be with us today. I totally realize that time is our most valuable asset and once it's gone you can't get it back. So I just always want everyone to know I appreciate them taking the time to spend with me today.

Herman Dolce:

Absolutely. It means a lot to me for you trusting me on your platform to talk to your listeners.

Dwan Bent-Twyford:

So here's what we do we just throw our guests straight into the wolves. We have to give us like two sentences about what you do and how to find you and then ask questions to find out how you became to be Herman Dolce.

Herman Dolce:

Absolutely so. Name is Herman Dolce. I'm founder of Bella Sloan Enterprises, a financial literacy company, but we also do funding for many different companies, and you can find me on all social media platforms. Haitian_ CEO.

Dwan Bent-Twyford:

Haitian_ CEO.

Herman Dolce:

Yes.

Dwan Bent-Twyford:

Okay, nice, so it means you're from Haiti, am I assuming?

Herman Dolce:

So my family's from Haiti? Yes, I was born in Brooklyn, new York, so I'm a first-generation immigrant.

Dwan Bent-Twyford:

Oh, that's so exciting. So Haitian_ CEO.

Herman Dolce:

Yes.

Dwan Bent-Twyford:

That's very easy, you know, it's funny. So I am in South Florida, right, I used to live in Broward County and I worked down here for an entire decade and then, when I got married to Bill, we started living between Colorado and Florida. But when I lived in Florida, I had a real estate investing group, a REIA group.

Herman Dolce:

And.

Dwan Bent-Twyford:

I had this investor. Her name was Marlene. So now Marlene is like a very tall woman. She's like 6'1".

Dwan Bent-Twyford:

She's Jewish, she looks like she's Jewish and she's like I'm going to learn Haitian because there's so many Haitian people down here and that way, like the creole or I right creole and she's I'm gonna learn, and I was like, all right, so she learned creole and I mean good, and it would be so weird to because I went and did a couple deals with her it'd be so weird to see her sitting there speaking in Creole to a. Haitian family no way and she's as white as she can be and she has that super Jewish look. You know that, like people, her family, she's like first generation too, and she could speak fluent Creole and fluent Spanish. And I was always like girl you are my hero.

Herman Dolce:

Wow.

Dwan Bent-Twyford:

You went in and learned. Instead of making them talk to you, you learned how to talk to them, and she was one of the most successful investors down here in South Florida for decades.

Herman Dolce:

Now that is a closer right there. That is unbelievable.

Dwan Bent-Twyford:

The first time I heard her, I was like what are you saying? She's like oh, I learned Creole and I'm like girl, I can't you rock, I love it. I should learn Spanish, and then you know like a month in you rock. I love it. I should learn Spanish. And then you know, like a month in, you're like oh yeah, I forgot, I'm learning Spanish and you know, you don't learn it.

Herman Dolce:

You don't learn it.

Dwan Bent-Twyford:

Right, right, right. So I was always. I always like to tell that story, because it's just so odd to hear her speaking that language. Like how she looks it was just funny, but people loved it and People loved it and like literally, she had the market on all of the Haitian families.

Herman Dolce:

I love it. That's exciting.

Dwan Bent-Twyford:

Yeah. So I was like, hey, that that is going above and beyond. One thousand percent. I've been learning Spanish, saying that, let's do it for like three weeks and then I forgot and I was like oh yeah, I forgot, last year I was learning Spanish. So still, 20 years later, still can't speak Spanish. So that was it, it's not too late?

Herman Dolce:

It's not too late.

Dwan Bent-Twyford:

It's not too late. It's not too late. So maybe this summer I'll take it. I'll take it. So now Bella Sloan. So tell me, what do you guys do?

Herman Dolce:

So first we're a financial literacy company. Bella Sloan Enterprises started about eight years ago. I named it after my first born daughter. We got into the credit space credit restoration. We educating people on credit because, believe it or not, a lot of people don't know about credit. We help them fix it. And then I tripped into funding, because that's another avenue A lot of our clientele did not know about when I started teaching people how to get money in their business name and not in their personal name. And then an offshoot for that became Bellastone Academy, because so many people just wanted to be educated and not necessarily need the services of credit repair and funding. So we started Bella S_tone Academy about four years ago. It's a subscription-based business and we're up to 3,000 monthly members.

Dwan Bent-Twyford:

Nice Good for you.

Herman Dolce:

Yeah.

Dwan Bent-Twyford:

So the financial literacy. So are you talking about people that are specifically investors or just people in general? Are you like in? The real estate space exclusively.

Herman Dolce:

So all walks of life, so people who are just financially illiterate, we speak to those people.

Dwan Bent-Twyford:

That's everybody. That's everybody. Nobody graduated high school and knows how to freaking balance a checkbook balance a checkbook, exactly, we had a class on that we learned how to do it too, it too, me too.

Dwan Bent-Twyford:

Yeah, it was called family living and they took the guys and the girls and you were together for a semester and they coupled everybody up and you had a budget and you had to plan a wedding, you had to figure out how to buy a house. You had your weekly. This was your budget. Well, you make a week, right, right, right. And you had to check checkbooks and all the stuff and then, like kids today, they don't know. I'm dumbfounded.

Herman Dolce:

It's amazing what they don't know. I'm dumbfounded Right. I'm literally teaching adults about credit and saying how your credit report is your adult report card. Just to explain that to them.

Dwan Bent-Twyford:

I don't think I've ever heard anyone say that. I'm writing that down. Your adult report card, because I'm going to use that.

Herman Dolce:

Yeah, it's all yours, it is your adult report card, right? So teaching a 35, 40 year old what your FICO score is and the components that make it up and your scores is trash because you maxed out your credit cards. You got to keep it under 30%, so, um, so, yes, I'm talking to the novice. I'm also talking to the real estate investor or real business owners who have bootstrapped their business using their capital, using their cashflow or using their personal credit cards, which, when you maximize it, drops your credit score. So when I teach them, hey, on the business side, you can get a lot more capital. That debt does not show up on your personal credit report. It was like a whole new avenue of revenue and new people to educate, because they've never heard of that before. Surprisingly to me, because when you're doing something for so long, it's second nature, it's second language to you and you're like what.

Dwan Bent-Twyford:

Everybody doesn't know that.

Herman Dolce:

No, everybody doesn't know that.

Dwan Bent-Twyford:

Now I know Sometimes when I teach a like brand new and people who are just looking to be an investor, I'll be like oh, you know, you have to get um, uh, uh, bop and you have to, then you have to get that, and then they're just like this look and they're like what does all that mean? I was like oh, yeah, yeah, I forgot. So you have to, like, you have to go back to and like teach it to people like it's kindergarten.

Herman Dolce:

Yep.

Dwan Bent-Twyford:

Because we just throw out the language and the lingo in short term. Oh, it's a B-R-R-R and people are like but that's exactly what my CEO says.

Herman Dolce:

My CEO says not to dumb it down because we hate to say that, but she says I want you to write a detailed script of how to create a peanut butter and jelly sandwich to a second grader and I was like what do you mean? She's like you would get out the bread, put it down on the counter, take out a knife, put it on one side, take out another knife, dip it in and cut the crust. She was like you have to be really specific.

Herman Dolce:

And I was like that's how my teaching style happened and, believe it or not, people say I love the way you teach, I can understand it, so I always remember that, I hear it all the time.

Dwan Bent-Twyford:

My husband God love him, but he is, he's like super investor and he wants to teach everything really advanced. And we have like a two-day workshop. It's a foreclosure summit. Everyone in the audience is new, never done a deal, and he's just like I'm going to teach him how to do high equity. I'm like, dude, let's start with like here's how you find a deal.

Herman Dolce:

A deal.

Dwan Bent-Twyford:

Here's what you say.

Herman Dolce:

Right.

Dwan Bent-Twyford:

Here's how you structure it. These are the documents.

Herman Dolce:

You will need the documents, the contracts, docusign right. Sales team in the documents the contracts, docu, sign right, sales team, those little things. Oh my god, their first deal.

Dwan Bent-Twyford:

But I hear you're going off, on on the teaching tangent. It's like come on, man, and it's not that you dumb it down, but I didn't know any of the terms about anything when I started and I remember having conversations with people throwing out you know all the ltv and I remember thinking like I don't know what they're talking about, but I don't want to ask.

Herman Dolce:

Right.

Dwan Bent-Twyford:

Be the stupid one in the room.

Herman Dolce:

In the room Right.

Dwan Bent-Twyford:

And I really took me a long time to learn this stuff because there was nobody training. So it's not that you're dumbing it down, it's that these are terms and words that people don't know.

Herman Dolce:

Don't know and understand.

Dwan Bent-Twyford:

Absolutely is that these are terms and words that people don't know. Don't know and understand. Absolutely, it's just not in your everyday language. I love that you teach financial literacy. I feel like every single person graduating high school and college are just dumb when it comes to that and it shows, and in 20 years these people will be our presidents and senators.

Herman Dolce:

So scary times ahead.

Dwan Bent-Twyford:

I know, it's like I remember getting a credit card when I was 18. And even though I knew a little bit I didn't know very much I ran it all up.

Dwan Bent-Twyford:

Ran it all up, I had to like get rid of two credit cards and I was just like what? But then I, you know, my dad was like hey, now you learn this and you learn that, and you know your credit score doesn't say a report card, but your credit score, yeah, that's your word. And so then I just took the time, I took a couple of classes. As an adult, it's like, ok, I'm going to understand money, absolutely OK, so you teach them. So I love that. I really do love that, because I just look, I'm 66. So I look at all the people that are in their 30s and 40s and even their 50s, and I'm just like these people are going to run the country, right, right, they're going to run the country.

Dwan Bent-Twyford:

I'm like oh my God, this is this generation right now, the Gen Z XYZ, the Gen Z. It's like, oh my God, those kids are going to be president someday, so hopefully by then.

Herman Dolce:

Yes, hopefully we're out of here by then.

Dwan Bent-Twyford:

Very true, oh and I don't mean that literally, I mean I always there's people that just as a whole it's like that's where all my nieces and nephews kind of lie, because they're right, right, right. They're all in their.

Herman Dolce:

All right.

Dwan Bent-Twyford:

So now you teach people, so do you have classes? Do you do that online?

Herman Dolce:

Yeah, we do online classes. We meet every single Wednesday night. We do that type of format and we bring different speakers on because I don't want to bore them all the time. It's all my credit and the same stuff. So every single Wednesday night and we switch it up and then we have a private Facebook group. All the recordings are saved in an academy. We got the coursework, homework, the contracts, all that stuff is there and we hold each other accountable.

Herman Dolce:

So even once a month, the first Monday in the month is the only time we don't meet on a Wednesday, and that's the accountability call, where we have a coach, our amazing coach, ask a question, unless he asks you a question. So somebody says, hey, how do you remove an inquiry? Then he'll tell you. Well, we have about four videos in the student portal that teach you how to do that. Have you pressed play yet? Did you download any of the template letters? Did you upload them to chat GPT to edit it for you? Did you mail off any of the letters yet? Then, if you haven't done any of those things, you're not allowed to ask me a question.

Dwan Bent-Twyford:

Amen. Now how do people get in Academy? Is they have to come on your site? They have to fill something out? Can they find the Facebook group?

Herman Dolce:

Right, right.

Dwan Bent-Twyford:

So the Facebook group is I feel like I should send everyone I know there.

Herman Dolce:

I would appreciate it.

Dwan Bent-Twyford:

I will, but how do they find that besides just well, or maybe it is just Haitian underscore? Ceo.

Herman Dolce:

So yeah, if they go to Haitian_ CEO on Instagram, they can check the link in the bio and they'll see it. But they can just go to bellasloanacademy. com and it's $50 a month and I think it's the ROI on that. $50 is absolutely amazing.

Dwan Bent-Twyford:

So $600 a year.

Herman Dolce:

You could Uber for a weekend and pay for the subscription. You get more from them, from your Netflix subscription.

Dwan Bent-Twyford:

Oh yeah, yeah, I love Netflix, but sometimes you get sucked into those days You're like, oh my God, I can't wait to sit in six hours and watch a movie.

Herman Dolce:

Right, right right.

Dwan Bent-Twyford:

I got six hours. I'm not getting back. Okay, Bellas on Academy. See, I really, really, really like that because I deal with so many people that are specialize more towards new investors. If you're new and you don't know what you're doing, let me help you. I will teach you, I will show you the way, I will show you all the shortcuts and my husband's like I want to deal with, like the super advanced, and I was like well, the thing about the super advanced people is they're not coachable and they think they know a lot, and then they're like, ah, and then they don't think that you know, and it's like I, I.

Dwan Bent-Twyford:

And then they don't think that you know, and it's like I, I personally can't, don't like people like that. Those are not my people.

Herman Dolce:

And you know what's good with the model you're doing, you'll have a lifelong client Because if you're taking them as newbies, guess what? When they become advanced, they're going to come back to you anyway. So you'll have them for an amazingly long time.

Dwan Bent-Twyford:

And those are the best loyal and amazing customers, and they're loyal time and those are the best loyal and amazing customers, cause I remember being new and not having anyone and how hard it was as a single mom and how hard I work. It's like, yeah, people don't need to do it, it doesn't need to be that difficult.

Herman Dolce:

It doesn't need to be that difficult. Very true All right.

Dwan Bent-Twyford:

So now then they've done some literacy, say they want to buy. I don't know, do you do lending on like commercial real estate rentals?

Herman Dolce:

And that's the amazing thing.

Dwan Bent-Twyford:

What do we lend on?

Herman Dolce:

So say, for instance, they do finish getting their credit together and they're lendable right now. So I have a large network of lenders that I partner with and I call them my. I teach my mentees, I call them my business partners. So your first business partner is your job right. You use your savings to invest first. Once you get that right, using your own money, then you go to your second business partner, which is American Express, chase and Wells Fargo. So then I tell them to go to these different banks. And again, my mentees they're vast, so it's people who want to get into real estate. My mentees, they're vast, so it's people who want to get into real estate, people who want to invest in their t-shirt company, technology company, healthcare company. So I have so many clients that come to me because they all have different dreams and as long as they have good credit, a good business plan, we're able to help them.

Dwan Bent-Twyford:

Nice, okay, so they want to start a t-shirt company and so you do funding. So is your funding like, hey, I'll help you buy the building to put your company in? It was like, hey, I'll help you fund the build the business. Like I come down, like I want to make these awesome t-shirts and I I want to buy a building and have open up a little anybody factory or I'm like I want to make sure I can do it online, like how's that work?

Herman Dolce:

it's funny you say that because when somebody comes to us, we usually do a little bit of consulting because we don't want people to waste the money. So we'll tell them well, what's your plan? So, if they never sold a t-shirt before, buying a building is probably not a good idea. So we tell them you need to start an online business, you need to set up your Shopify, your merchant account, your Instagram. You need to do those things. But you need to buy the merch and you need to print them so we could connect you with some manufacturers, et cetera.

Herman Dolce:

But no matter what, hey, the T-shirt is $5. You want to sell it for $25, but you need the $5 time 100 T-shirts. Let's get you $20,000, $25,000 in business credit, 0% interest. Go buy $5,000 worth of inventory, go flip that money, pay back the credit card and then, once you see that your model has worked and the branding is good, the website worked, the merchant account, you're able to deliver on that small account. Now you pay back the credit card. Now you have enough capital to reinvest back into the business and put gasoline on the model that you see have worked already.

Dwan Bent-Twyford:

Very nice. So you give them, like some type of a credit card like this is how much money you have.

Herman Dolce:

Right, so what we do is right.

Herman Dolce:

So what we do is we look at your personal credit. That's why we say it's so important for your personal credit to be great. So we tell we can go to the bank. We're like hey bank, Herman Dulcey has a 700 credit score and he has a business named Bella Sloan Enterprises. The bank was like well, we don't know who Bella Sloan Enterprises is. We know who Herman is, so he's going to co-sign, he's going to personally guarantee and since Herman's has such good credit, he has 700 credit, 680 minimum. He's got a couple of credit cards. Remember, your credit card report is your adult report card. So he's got a couple of credit cards over two years old, three, four, five $10,000 limits. What can we get on the business side? So we have an amazing connection and relationship with Chase where we could get people up to $50,000 on one business credit card, 0% interest, with our relationship managers there and they look at the person's credit report, they look at that business plan and they get them that funding.

Dwan Bent-Twyford:

Nice, I love what you do. I mean, it's just such a needed thing 100%, Very, very needed.

Herman Dolce:

So that's why the real estate people they love us, because they want to get into real estate, and we all know that there's many ways to get into real estate no money down, but you need something right.

Dwan Bent-Twyford:

You got to have something.

Herman Dolce:

So when we help them get their first 25, 30, $50,000 in funding and they max it out for whatever deal they need or for construction and it's not reporting to their personal, and then we show them how to leverage that money, because if you max out a $50,000 credit card, 0% interest, that's $500 a month. Now that sounds reasonable. While you're flipping something over the next six months Cash out, refi, pay off the credit card the bank wants you because you were responsible and they want to give you more money after that.

Dwan Bent-Twyford:

Yep, they do, they do, I swear to you. It seems like I get some new credit card thing in the mail every day. It's like, oh my God stop.

Herman Dolce:

Yeah, what a good problem to have.

Dwan Bent-Twyford:

Yeah, no, it is. I remember the days where that wasn't so, but now it's like ah, stop sending me, Just stop Right, and I don't know they're big. And I'm just like no, I am a. I mean, obviously I have credit cards, but I am more of a. I just want to pay for it with my debit card. I want to pay for stuff, Obviously.

Herman Dolce:

I have to borrow money for houses and buildings and certain things, but I have found personally, when I have too many, credit cards.

Dwan Bent-Twyford:

I am not credit card responsible. Ah, I see. Oh well, you know your weaknesses, I'm gonna get that. Oh my god, and I. Next thing, you know, it's like how did I spend five thousand? What the hell did I do? I?

Dwan Bent-Twyford:

mean it's like a, it's like I don't know, it's like a freaking shopping addiction or something. So I just I'm like, oh, did I do? I mean it's like a, it's like I don't know, it's like a freaking shopping addiction or something. So I just I'm like, oh, so I mean I haven't been to use them. But I have to really be careful because even after all these years and as much as I learned, I still can sit and just order things and I think, now shit's showing up and I was like what?

Herman Dolce:

the hell. What happened? How did I get here? I?

Dwan Bent-Twyford:

remember that. Oh, yeah, yeah okay right I was on the thought. So I like, bought an entire room, you know right I mean honestly, it's really bad.

Dwan Bent-Twyford:

I was like, oh, I have to, I have to be aware and careful personally, because I have done so many times like ran up really high and then worked on paying him down, then ran and paid him down, and then ran up and paid him down and then you know, but then when you have good credit, people just send you so many. It's like well, I can't have 50 credit cards laying around because I'm not responsible enough to take care of all of them.

Herman Dolce:

To take care of all of them exactly.

Dwan Bent-Twyford:

I actually hired a business manager that pays all my bills. That pays all my bills.

Herman Dolce:

I just need someone that can sit down and do that part.

Dwan Bent-Twyford:

I'm not a paperwork kind of girl. I have a person that does that.

Herman Dolce:

You pay for peace, I do. I pay for the peace.

Dwan Bent-Twyford:

The first person I ever hired in my business was to do paperwork.

Herman Dolce:

I don't like it.

Dwan Bent-Twyford:

I'm not good at it. It gives me anxiety. The first person I ever hired was that. The second person I ever hired was someone to clean my house. Oh yeah, the clean house.

Herman Dolce:

and laundry person.

Dwan Bent-Twyford:

Yeah, that is a hack, the best hack you can ever get Right now I don't have to pay bills, I don't have to clean, I don't have to grocery, I don't have to do laundry. This is amazing. This is amazing and everybody you know people have different things. My husband, he loves paperwork. He's like you give him a stack like this, he's like, oh my God. He's just like, oh, I can't wait to dig into this, I just like parts just like oh.

Herman Dolce:

He is wired differently.

Dwan Bent-Twyford:

I can't breathe. That's probably why we're a good match.

Herman Dolce:

Absolutely.

Dwan Bent-Twyford:

You help them with the funding, so, and you so you do cause more. I think more people than not that listen to me are in the real estate side, so you're helping people with buying, like a rental or a rehab or they get it with hard money and you give them the money for the rehabbing. Like how does that work?

Herman Dolce:

All of the above. So some of the clients that come to us cause, you know, with certain hard money lenders for a novice they probably have to come to the table with at least 20% down before they go to a hard money lender and a lot of them come for me and they get the money off of business credit cards. So we help them get the business credit cards 20, 30, 40, $50,000 limits and we show them how to liquidate the credit cards. Now they can have the cash in their bank account, bring it to the table. So technically they really are at the table with no money out of pocket and just have to pay the 0% interest and make something happen. And hopefully they have amazing mentors like you, so they're using the money wisely and being able to flip that money in six to eight months.

Herman Dolce:

Nice I love it, I love it. And a lot of them do use, like, say, friends, they use the platinum credit card because they're getting points and cash back rewards for buying the lumber. I even show them how to go to a website called Zill money Z I L moneycom, where you can actually run payroll from your credit card. So, say friends, you have staff, you have workers, your your contractors. You can literally pay them through that website that is connected to your credit card, which actually helps you with getting your points. So I motivate my clients to use that strategy because when the deal is done you can celebrate with all those points and take a free trip.

Dwan Bent-Twyford:

Yeah, we use our points for vacationing.

Herman Dolce:

Vacationing exactly.

Dwan Bent-Twyford:

So Bill and I went to Hawaii a couple years ago for first class over and back. Stayed 10 days on the beach. All on points.

Herman Dolce:

All on points free trip.

Dwan Bent-Twyford:

And I was like that's what I'm talking about, all on points. I was so excited and then I'm like upgrade us to an oceanfront, because we're here on points, so we're here on points Exactly. It was amazing. I was like, oh, that's worth all of it. That was so great. All right, so let's uh switch topics for a minute. What's your favorite band of all time?

Herman Dolce:

my favorite what? Band oh, my favorite bands wow of all time wow, you know I've never been asked that question before.

Dwan Bent-Twyford:

My favorite thing, because you're on the most wonderful real estate podcast ever. People work with people that they like, so I want to know about you.

Herman Dolce:

I would probably say like they're not a, they're more of a singing group. Boyz II Men. If you have to twist my arm, boyz II Men.

Dwan Bent-Twyford:

I like Boyz II Men.

Herman Dolce:

Yeah, the group from my childhood.

Dwan Bent-Twyford:

No, you know what I get it my childhood I was so in love with the Jackson 5 and the Osmonds, and David Cassidy and it's like, oh, I start to hear a song and I'm like it takes me right back to being a boy, and it takes you right back, right, and then you feel better, the endorphins get released and you're like oh and it's like oh yeah, it's like oh yeah, to be young again. I love it. Boys to men. I love the boys to men. Yeah, what's your favorite food?

Herman Dolce:

My favorite food. This is easy Curly fries. Curly fries. Curly fries with a side of ketchup mixed with hot sauce.

Dwan Bent-Twyford:

Now I'm 44. Where do you like your curly fries from?

Herman Dolce:

Literally a mom and pop around the corner from my house. They season them. It's it's unbelievable. I'm 44 right now, so I have to be responsible. I probably have it once a month. I cannot eat it all the time because I would eat it every day, if I could.

Dwan Bent-Twyford:

I love curly fries, so you put them on with some seasoning.

Herman Dolce:

Ketchup and hot sauce. It's over. Oh, that's good.

Dwan Bent-Twyford:

Yeah, you're the first person that's ever said curly fries and I'm like, oh, I love curly fries. What's that? One fast food restaurant, arby's arby's I don't like the roast. I mean I just I don't like any of that.

Dwan Bent-Twyford:

But man, they're fries I'll go for the curly fries 100 I've been on like road trips and been like, oh, I don't want to get a roast, but I just don't. I, I don't know, I don't like something about the sandwiches and I was like man, I could sure eat some curly fries. I got a big old pep Curly fries 1000%. Curly fries like Curly fries are great. That makes me want to go and get some curly fries today. Great answer. What's your favorite time of day? Where's your peace at?

Herman Dolce:

My favorite time of day is going to sound crazy. My favorite time of day is 5 am, because the whole world is sleep. Yes, the whole world is sleep. I get to meditate, I get to work out, I get to check emails and then the world bothers me. So that's the only time that I'm truly alone, because I'm very, very, very busy. The notifications on this phone are ridiculous, but that time is very special to me, I like that.

Dwan Bent-Twyford:

I know I talk to people. It's funny. I always like to ask people that Because there's just so many people and some are like oh, I like it at night when it's quiet, I like it in the morning. You know, I had a guy recently. He's like no, I get up at like three in the morning and I'm thinking, oh my.

Herman Dolce:

God? For the love of God, why in the morning?

Dwan Bent-Twyford:

I know he's like oh, I go to bed. And I said well, what do you go to bed at like noon?

Herman Dolce:

yeah, right, right morning.

Dwan Bent-Twyford:

Why would you do this? I don't know I get up. I did it and I got five hours of the stuff done before the day starts and I'm like right but you know that's okay. Everybody's got their own thing and I'm always curious like where are people's happy places throughout their day?

Herman Dolce:

yeah, that's, that's a good one. Yeah, that's, that's the best part. And then, right towards the end of it, I get to wake up my girls and then we send them off to school. So it's the best part.

Dwan Bent-Twyford:

Nice, how old are your girls?

Herman Dolce:

So I have a. Bella is going to be eight years old this summer, Bella Sloan, and I have a second daughter Her 8, 5, and 3.

Dwan Bent-Twyford:

It's like all those ages, all those ages they're just like, especially girls when they're like 8, 9, 10. I swear to God, it's their cutest phase. Because you can hang out with them and like go to a movie and they're not like a little kid. But they'll go and, like you, can take them to get their nails done or whatever, and they're like your, they become like your little buddy.

Herman Dolce:

Buddy Yep, very true.

Dwan Bent-Twyford:

A five-year-old. You're like you got to pack them a coat, something to drink, something to eat. Like you're packing they're in a car seat, you know, and I love that too. But I swear to you little girls like eight, nine, 10, 11, 11, 12, oh, because they're just like your buddies buddy. Yep, very true my little 10 year old. I'm like, hey, let's go to the movie and like we go watch like adult movie, you know, romantic comedies and like you know, and we eat and we hang out, and it's like, oh my life is good.

Dwan Bent-Twyford:

Life is good so what is your next big goal in your company and how can the D'Wonderful family help you?

Herman Dolce:

The next big goal in my um, um, um that I would like to do is I actually partnered with an amazing friend of mine. His name is Charles Noonan Um and he and he has a mission to help get 1000 people prop people's pieces of land. So what he does, he goes to land banks, land bank auctions and he get the properties for cheap um,000, $2,000, and they get the deed and everything. And he came to me. He's like hey, herman, let's partner, you help people get money for real estate. I know construction from the ground up so I teach him how to get the property. Herman, you get them the funding. He has a construction company. So he was like let's partner, so his construction company helps them build the properties.

Herman Dolce:

Now these people get, they're in development, they're learning this information, and then he teaches them how to do section eight or put like veterans in these homes or Airbnb it so. So now he has the exit plan, the cash out, refi, the cashflow system when it's all done, and they're in from the beginning, learning the entire process. He's like I want to do that for a thousand people. So we recently did that in Birmingham, alabama, literally like three weeks ago, and about 200 people signed up and they're going to do that project. So what I would like to do? We got to get another 800 people, so I'm going to help fund them and Charles is going to help educate them on real estate, because you and I know that real estate is not a get rich quick situation. It is to help you with taxes and it is a wealth building strategy and then finally, a little bit of cash flow at the end. But that's what we want to help a thousand people do over the next five years.

Dwan Bent-Twyford:

Well, that is a great, and so we can help you by telling people about it. What can we do to help you exactly?

Herman Dolce:

Absolutely. What you can do is if anybody needs funding for their real estate deals, they can definitely reach out to us and we can help them get funding 0% interest. Or if they want to learn more about real estate, they can go to you, because they're already in the best mentorship in the game. But if they want to learn about funding also learn about credit they can come to Bellasone Academy and we'll teach them how to fish on their own.

Dwan Bent-Twyford:

Oh my God See, I love that If you feed a man, a fish.

Herman Dolce:

Yeah.

Dwan Bent-Twyford:

Or Dave, teach me how to fish fish for a lifetime. That's one of my things that I always say. In all my things I was like listen, I'm going to teach you how to fish how to fish. I'm not fishing for you, I'm going to teach you how to fish how to do it. Yes, I haven't heard anybody say that for a while and I say that like it every time I do a class.

Herman Dolce:

it's like I love it.

Dwan Bent-Twyford:

My heart All right. So, folks, so there is what we can do to help Herman be reach his goals. And as you reach your goals, you're helping other people reach their goals. And and as you reach your goals, you're helping other people reach their goals, which you're just creating just tons of win-win situations absolutely, man.

Dwan Bent-Twyford:

I look forward to it so everyone haitian underscore ceo or the bella sloan academy, and you need to get involved because, honestly, just the fact that you help people fix their credit, work on their credit, understand their credit, lend them money, help them through the business, teach them you've got land, buildings like all of it. It's a whole system for people. Absolutely, from beginning to end, and you can help them from the beginning to the end.

Herman Dolce:

To the end, absolutely.

Dwan Bent-Twyford:

Well, I love that.

Herman Dolce:

We look forward to being of service Absolutely and tell me the name of your podcast. So the name of my podcast is called the execute podcast, um, and you can find that on YouTube on my YouTube page called Bella Sloan enterprises the name of my company, um, and I have long for comic, long form content on there where I teach you about credit and funding anyway, but the podcast is also on there. We bring on high level entrepreneurs to talk about the good, bad and ugly of business, because social media has this smoke and mirrors where everybody is rich and everybody makes a million dollars a month. So we got to bring on real entrepreneurs that talk about the good, bad and ugly before you get into this game.

Dwan Bent-Twyford:

I can't stand the shiny object syndrome.

Herman Dolce:

I hate it.

Dwan Bent-Twyford:

Okay, and I should have known the name ahead of time, but the Execute Podcast. So, folks, if you have had fun today, if you learned, if you laughed. You just enjoyed the two of us getting to know each other. I want you to go to the Execute Podcast and the most wonderful real estate podcast ever and leave us both a five-star review, write a positive comment and subscribe, because podcasts are a lot of work. It's definitely a labor of love and we can grow and get bigger and bigger without you.

Dwan Bent-Twyford:

So I'm asking you all to do that favor for me and also for Herman, and I am going to be a guest on his podcast, so you can look for me over there as well, okay.

Herman Dolce:

Last question.

Dwan Bent-Twyford:

Last question I want you to give us a word of wisdom, but just one word.

Herman Dolce:

One word, execute, which is the name of my podcast, because what happens is we, as you and I, we educate a lot of people and people leave our aura and our circle with smart pieces of paper or smart notepads which are smarter than them, because they never execute on the information that we gave to them. So hurry up and fail quickly, because you're not going to get it right the first time, second time or maybe not even the 10th time, but because you executed over and over, you will be an expert and you have some amazing mentors to thank for it.

Dwan Bent-Twyford:

I love execute. So what I always have, my people, my people, my tribe is I tell them I don't know how many of them do it, but they're supposed to take a little sticky note and write the word execute and put it up on their mirror and we have a word of the week. So the word of the week when your show comes out is going to be execute, execute, execute. So when they're reading that word, what should they be thinking?

Herman Dolce:

They should be thinking what they need to do today to reach that goal that they're trying to execute. Three things they need to do to reach that goal.

Dwan Bent-Twyford:

I like it OK. So, yeah, I I'm really big about people, you know, changing the mindset, learning, expanding the horizons and things that you do. So I like having a word of the week, but I like it to come from the guest. That's why I never tell anyone ahead of time. Then people are like what should be my word and they're thinking about it and you can see people like thinking and I'm like no, stop it, listen to me, it's hot, we're talking. So I just wait again until everybody, what's your word?

Herman Dolce:

and then it makes people think it throws them for a loop like, hmm, that's a good one.

Dwan Bent-Twyford:

Makes them think because I used to say people like, give us a word of wisdom, then they talk for 10 more minutes. It's like no, no, no, we're going to one more. We only need one word. Down to a word.

Dwan Bent-Twyford:

So, I do. Next, people go oh, execute, and that means, and then it's like 15 minutes, it's like, oh, my God, I just so. Now I'm right. But it's more fun this way, because now we all have a word of the week. Well, I want to thank you so much for being on here with me today. Like I told you earlier, I appreciate your time and for all of you that listen, you know, I always tell you time is your most valuable asset and I appreciate you spending your time with me and also with Herman today, and we will be back next week. Same bat time, same bat channel, and remember that the truth is in the red letters. All right, harman, thank you, goodbye everyone thank you bye.