Passive Impact: Real Estate Investing & Special Needs Housing
Welcome to "Passive Impact: Real Estate Investing & Special Needs Housing," where we explore how real estate investment can generate passive income while making a positive difference. Join host Sarah and Johnathon as they share strategies, success stories, and opportunities for investors looking to create financial stability and meaningful community impact. Also, Understand how you as a Real Estate investor make a positive difference in someone's life through Special Needs Housing for Adults with mild disabilities.
Passive Impact: Real Estate Investing & Special Needs Housing
Turning A Vacant Memphis House Into $2,700 Monthly Income
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
A boarded up house can be an eyesore, a liability, or a surprisingly precise math problem. We take a real Memphis heavy rehab listing and show how the same three bedroom, one bath property can produce radically different outcomes depending on the strategy, from a conventional $1,100 per month single family rental to a rent by the bed model that can reach $2,700 per month gross. Along the way, we keep it grounded in the unglamorous details that actually decide whether you win or bleed out slowly: repair ranges, timelines, financing pressure, and the carrying costs that quietly erase profit.
We also get specific about why heavy rehabs feel terrifying and how to evaluate them anyway. We talk through the acquisition plus repairs plus holding costs equation, why a new roof changes the risk profile of a vacant home, and why “turnkey convenience” often means someone else already extracted the best margin. Then we shift into the bigger idea: velocity of money. If your capital is trapped in thin cash flow, scaling a portfolio becomes painfully slow, and one surprise expense can wipe out a year of returns.
The most provocative section is the specialized housing blueprint. We unpack how rent by the bed works, who it can serve (including veterans, people with disabilities, and those transitioning out of homelessness), and why this approach can align higher rental income with real community need. We also address the friction points head on: management complexity, how nonprofits can provide wraparound services, how master leases can stabilize operations, and why zoning rules and funding volatility make due diligence nonnegotiable.
If you want to think beyond the standard landlord playbook while staying ethical, legal, and numbers first, hit play and take notes. Subscribe, share this with a real estate investor who needs a new lens, and leave a review with the part of the model you want us to stress test next.
A New Blueprint For Distressed Homes
SPEAKER_01Imagine looking at a vacant, um basically boarded up house in Memphis, Tennessee. Most people driving by, you know, they just see an eyesore.
SPEAKER_00Yeah, a complete liability. Right. Or just a blight on the neighborhood.
SPEAKER_01Right. But traditional real estate investors, they look at that exact same property and they see a slow grinding crawl to make, I don't know, maybe eleven hundred dollars a month in rent.
SPEAKER_00If they're lucky, yeah. And that's assuming they survive the renovation process.
SPEAKER_01Aaron Powell Exactly. Assuming they survive. But today, we are looking at a completely different blueprint. One that takes that exact same distressed property and turns it into a $2,700 a month revenue stream.
SPEAKER_00Which is a massive jump.
SPEAKER_01It's huge. And they do it by doing the exact opposite of what traditional landlords do. So, okay, let's unpack this. Welcome to a brand new deep dive.
SPEAKER_00Glad to be here.
SPEAKER_01So for you listening right now, whether you are managing a seasoned portfolio or you've just been analyzing Zillow listings on your lunch break.
SPEAKER_00We've all been there.
SPEAKER_01We have. Our mission today is exploring a really fascinating intersection. We are examining how investors generate highly robust passive income while simultaneously providing crucial community support.
SPEAKER_00Right. Merging the cold hard numbers with actual social impact.
SPEAKER_01Exactly. And to ground this analysis in reality, we are rolling out a new feature today. It's called the Property Listings Alert. And this will be a regular part of our current and future deep dives.
SPEAKER_00I love this addition, by the way. It really helps anchor the theory.
SPEAKER_01It does. We wanted to give you a direct look at real-world investment case studies, raw numbers included. And to make that happen, this deep dive is brought to you by Flowers and Associates Property Rentals, helping landlords and property owners stabilize rental income.
SPEAKER_00Which is so critical in today's market.
SPEAKER_01Totally. So we are analyzing a specific property package and educational framework provided by their founder, Robert Flowers. He's an award-winning real estate investor with uh, I think over 15 years of experience in this very specific niche.
SPEAKER_00Yeah. And looking at the data he provides, it's I mean, it completely strips away that glamorous reality television version of real estate investing.
SPEAKER_01Oh, for sure. No perfectly staged mansions here.
SPEAKER_00Right. The materials just bypass all that and focus entirely on tangible brick and mortar assets. Specifically, the surprising and honestly, somewhat counterintuitive mathematics behind specialized housing in markets like Memphis.
SPEAKER_01So let's get our hands dirty right away. Let's look at the anatomy of what the industry calls a heavy rehab through today's property listings
Heavy Rehab Case Study And Core Numbers
SPEAKER_01alert.
SPEAKER_00Let's do it.
SPEAKER_01The case study is a property located at 308 W. Fields Avenue, Memphis, Tennessee, 38109. We're looking at a vacant three-bedroom, one-bathroom house.
SPEAKER_00Just a standard single-family footprint.
SPEAKER_01Yeah, roughly 1,302 square feet. Now the source material explicitly labels this a heavy rehab opportunity.
SPEAKER_00Which, you know, usually those two words make experienced investors sweat a bit.
SPEAKER_01Oh, big time. Yeah. The unknown variables are terrifying. But the listing highlights one massive glowing detail. It already has a brand new roof.
SPEAKER_00Aaron Powell And that is huge. I mean, the inclusion of a new roof fundamentally changes the risk profile of a distressed asset like this.
SPEAKER_01Aaron Powell How so? Like for the listeners who haven't done a major rehab. Trevor Burrus, Jr.
SPEAKER_00Well, when you're dealing with vacant properties, water intrusion is basically the silent killer of any renovation budget. Right. A compromised roof means you're dealing with rotting joists, uh, black mold, structural degradation that literally compounds every single time it rains.
SPEAKER_01Aaron Powell Just eating away at your profit margin.
SPEAKER_00Trevor Burrus, Jr. Exactly. So a new roof eliminates a massive potential capital expense right out of the gate. And it seals the building envelope.
SPEAKER_01Aaron Powell Meaning the interior is protected.
SPEAKER_00Aaron Powell Right. You can spend weeks or even months planning the electrical, the plumbing, and the cosmetic phases without worrying that a rainstorm is going to ruin the drywall you just put up.
SPEAKER_01Aaron Powell So the umbrella is already open, basically, which buys the investor time. Now let's look at the math. The asking price for this specific property is $37,500.
SPEAKER_00With a note that reasonable cash offers are considered, I believe.
SPEAKER_01Yes, exactly. And the estimated repairs are projected between $40,000 and $57,500.
SPEAKER_00Okay.
SPEAKER_01Now, if an investor executes that renovation properly, the estimated after repair value, or ARV, sits a $114,000.
SPEAKER_00Aaron Powell So that presents a very classic value add equation, but it's one that is highly, highly sensitive to timeline and execution.
SPEAKER_01Aaron Powell It's kind of like buying the frame of a classic car, right?
SPEAKER_00That's a perfect analogy, actually. Yeah. You have a solid foundation in this case, the new roof, but you are responsible for sourcing the parts, hiring the mechanics, and basically building a functional engine before it holds any real retail value.
SPEAKER_01Aaron Powell And building the engine is where most people go bankrupt.
SPEAKER_00Oh, absolutely.
SPEAKER_01So let me push back on this entry point a little bit. For an everyday investor listening right now, taking on a heavy rehab with potentially $57,000 in construction costs. I mean, that carries incredible operational risk. Trevor Burrus, Jr.
SPEAKER_00It does. It's not passive at that stage.
SPEAKER_01Aaron Powell Right. You are managing contractors, pulling permits, dealing with supply chain delays. Isn't that overwhelmingly risky compared to just, say, paying retail price for a turnkey property?
SPEAKER_00Aaron Powell You mean where the paint is dry and a tenant is already in place?
SPEAKER_01Exactly. A tenant is already paying rent. Why take on the headache?
SPEAKER_00Well, turnkey properties absolutely offer a smoother entry, but you pay a steep premium for that convenience.
SPEAKER_01You're buying someone else's finished product.
SPEAKER_00Right. The profit margin of the equity has already been extracted by the developer who managed that renovation. You're just buying the yield.
SPEAKER_01Okay, that makes sense.
SPEAKER_00With 308 W fields, the inherent risk of the heavy rehab is theoretically offset by that heavily discounted $37,000 entry price. You are training your sweat equity and operational oversight for a much higher potential return.
SPEAKER_01Aaron Powell But evaluating that risk requires understanding a specific equation, right? The one outlined in the material.
SPEAKER_00Yes. It's acquisition price plus repairs plus holding costs plus financing
The Real Risk: Holding Costs
SPEAKER_00plus your exit strategy.
SPEAKER_01Aaron Powell I want to pause on holding costs. Because I think that is the hidden trapdoor for a lot of ambitious investors.
SPEAKER_00Aaron Powell It's what bankrupts the flippers who don't know what they're doing.
SPEAKER_01Aaron Powell Right. It is never just the purchase price and the drywall.
SPEAKER_00No. Holding costs are the silent margin killers. Let's say you acquire this property using a hard money loan, which you know often carries double-digit interest rates.
SPEAKER_01Ouch. Yeah.
SPEAKER_00Every single month that house sits empty. You are bleeding capital. You are paying high interest debt service, property taxes, specialized vacant property insurance, utilities.
SPEAKER_01It adds up so fast.
SPEAKER_00It does. If your contractor gets delayed by three months because of a local permit issue, your $57,000 rehab budget might stay exactly the same, but your holding costs just ate $10,000 of your projected profit.
SPEAKER_01Wow. So you really have to forecast those carrying costs meticulously before you ever even make an offer.
SPEAKER_00Meticulously, yes.
SPEAKER_01Okay. But knowing those hidden costs is only half the battle. Because once you fix the house and stop the bleeding from those holding costs, you are still sitting on a massive sunk cost.
SPEAKER_00You are.
SPEAKER_01Assuming you hit the high end of the rehab budget on this one, you're nearly $95,000 all in. How do investors actually extract that capital back out?
SPEAKER_00Well, the package outlines two traditional exit strategies before we get into
Traditional Exits: Flip Versus Rent
SPEAKER_00the specialized model.
SPEAKER_01Okay, let's hit the traditional ones first, the standard fix and flip.
SPEAKER_00Right. You renovate the property to modern standards listed on the retail market and aim for that estimated $114,000 ARV.
SPEAKER_01You capture the margin, pay your capital gains taxes, and just move on to the next one.
SPEAKER_00Exactly. It's pretty straightforward.
SPEAKER_01And the second traditional strategy is the buy and hold. So you complete the renovations, but instead of selling, you keep the property as a standard single family rental.
SPEAKER_00Right. And for this specific footprint in Memphis, the projected traditional rent is approximately eleven hundred dollars per month.
SPEAKER_01Depending on market conditions, obviously.
SPEAKER_00Always. But yeah, roughly eleven hundred. Both of these pathways are fundamental to real estate, but they serve completely different financial goals.
SPEAKER_01One is a cash injection, one is a slow drip.
SPEAKER_00Exactly. The flip generates immediate taxable capital, while the rental generates long-term wealth through loan pay down and you know incremental appreciation over time.
SPEAKER_01Here's where it gets really interesting to me, though. Let's analyze the margins on that buy and hold strategy. Because honestly, the traditional model feels a bit uninspiring when you look at the math.
SPEAKER_00It can be very slow.
SPEAKER_01Right. It's like farming. Flipping is like selling your whole harvest at once, while buy and hold is like selling the seeds year after year.
SPEAKER_00That's a good way to look at it.
SPEAKER_01But if the market rent is $1,100 a month and you have sunk $95,000 into acquisition and rehab, how long does it take for an investor to actually feel like they are winning?
SPEAKER_00It's a brutally slow crawl. You are looking at years just to recoup the initial capital outlay before you ever see a true, free and clear return on your equity.
SPEAKER_01Which is tough to stomach.
SPEAKER_00And we connect this to the bigger picture. This touches on a vital concept for anyone listening: the velocity of money.
SPEAKER_01The velocity of money. Explain that in this context.
SPEAKER_00If your capital is trapped in a property yielding only a standard market return, your ability to scale your portfolio is practically paralyzed. You are playing a very patient game, and you're capped by the ceiling of the local rental market.
SPEAKER_01Which is why Robert Flower's material emphasizes verifying your own comparable sales and repair estimates so heavily, right?
SPEAKER_00Yes, because those standard margins are so incredibly thin.
SPEAKER_01I mean, if the margins are that thin, a single unexpected capital expenditure, like, say, a broken HVAC system two years down the line.
SPEAKER_00Oh, that could wipe out an entire year of cash flow. Easily.
SPEAKER_01Which perfectly illustrates why standard traditional rentals are treated as just the baseline safety net in this educational framework. They aren't the primary objective here.
SPEAKER_00Right. The traditional math works, it's safe, but it doesn't accelerate wealth.
SPEAKER_01So that realization requires a pivot to the third strategy outlined in the package.
Velocity Of Money And Thin Margins
SPEAKER_01And this is the blueprint that fundamentally alters the revenue potential.
SPEAKER_00And it introduces that community support element we discussed at the top of the deep dive.
SPEAKER_01Exactly. We need to dissect the mechanics of the specialized housing model. Specifically, rent by the bed.
SPEAKER_00This is where it gets really fascinating. This strategy leverages the structural layout of the asset rather than just relying on its overall square footage.
SPEAKER_01Because three owner NAW Feels has three distinct bedrooms, the material suggests transitioning entirely away from a single family lease.
SPEAKER_00Right.
Rent By The Bed Explained
SPEAKER_00Instead of renting the entire 1,300 square foot house to one family for $1,100.
SPEAKER_01You utilize a rent-by-the-bed model. And the provided math completely changes the capitalization rate here.
SPEAKER_00It blows it out of the water.
SPEAKER_01It does. At an example rate of $900 per occupied bedroom, those three rooms could yield up to $2,700 per month in gross rental revenue.
SPEAKER_00So you are generating more than double the traditional rental income from the exact same piece of real estate.
SPEAKER_01Using the exact same footprint.
SPEAKER_00Simply by restructuring how the space is leased out.
SPEAKER_01It's a massive jump in revenue. But we have to be clear about who is occupying these beds. This model targets specific populations that require stable, supported housing environments.
SPEAKER_00Yes. We were talking about veterans, individuals with physical or cognitive disabilities, or, you know, people actively transitioning from homelessness.
SPEAKER_01Aaron Powell, which is such a critical need right now.
SPEAKER_00Absolutely. And this is where the financial numbers and the community impact finally align. How so? Well, many municipalities are facing a severe shortage of safe housing for these vulnerable populations. They literally just don't have the beds. Right. Simultaneously, the real estate investor requires a return high enough to justify the initial risk of taking on a heavy rehab.
SPEAKER_01Right. They aren't going to do it for a tiny margin.
SPEAKER_00Exactly. So the rent by the bed model bridges that gap perfectly. It incentivizes the investor while solving a municipal problem.
SPEAKER_01I look at this structure and it reminds me a lot of the hospitality industry. Renting by the bed is essentially operating a micro hotel rather than managing a traditional passive real estate investment.
SPEAKER_00Aaron Powell That's a very fair comparison.
SPEAKER_01But I have to push back here because there is a massive friction point.
SPEAKER_00Okay, let's hear it.
SPEAKER_01Generating $2,700 a month sounds phenomenal on a spreadsheet. But wait, doesn't managing three separate tenants under one roof, especially populations that may require special accommodations, doesn't that create a massive administrative headache for the landlord?
SPEAKER_00Oh, it can.
SPEAKER_01I mean, a standard single family tenant is already a lot of work. Three distinct leases, three different personalities sharing a single kitchen. That sounds like a recipe for constant phone calls and high turnover.
SPEAKER_00You're not wrong. The operational drag you just described is the exact reason the vast majority of traditional investors avoid multi-tenant housing models entirely.
SPEAKER_01It's just too much work.
SPEAKER_00Right. Managing the interpersonal dynamics plus the increased wear and tear on the property, it can quickly erode that extra revenue you're supposedly making.
SPEAKER_01Aaron Powell, so how does this model actually work then?
SPEAKER_00This is exactly where the 15 plus years of experience from Robert Flowers and his A plus BBB accredited firm comes in. Because the strategy does not rely on the landlord acting as a social worker or a babysitter.
SPEAKER_01Okay, so how is the landlord insulated from that day-to-day management?
SPEAKER_00The educational material outlines a mechanism where
Nonprofits, Master Leases, And Oversight
SPEAKER_00investors explore strategic relationships with specialized nonprofit organizations. Oh, interesting. Yeah. In many of these setups, the nonprofit acts as the missing link. They are the entity coordinating the housing support. They facilitate the wraparound services for the individuals, and they manage the actual tenant placement.
SPEAKER_01Aaron Powell Wait, really? So if the landlord isn't managing the individual tenants directly, does that mean these nonprofits are acting almost like a highly specialized property manager?
SPEAKER_00In a sense, yes.
SPEAKER_01Who actually signs the lease in this scenario?
SPEAKER_00Aaron Powell Well, it depends on the specific arrangement, but often investors utilize what's called a master lease structure.
SPEAKER_01Aaron Powell A master lease. Okay, walk me through that.
SPEAKER_00So the landlord signs a single master lease with the nonprofit organization itself. Or in some cases, the nonprofit manages the individual leases while guaranteeing a certain level of oversight. I see. The investor's job is to provide the physical infrastructure, the fully renovated, safe, compliant property.
SPEAKER_01And the nonprofit brings the rest.
SPEAKER_00Exactly. They bring the specialized care, the caseworkers, the conflict resolution skills. It essentially transforms a potential management nightmare into a stabilized, supported ecosystem.
SPEAKER_01Wow, that completely changes the liability profile for the investor.
SPEAKER_00It really does.
SPEAKER_01Because if a tenant damages the property, you have a professional organization with infrastructure and funding involved rather than just trying to chase down a single individual for a security deposit.
SPEAKER_00Exactly. It creates a much
Due Diligence: Funding And Zoning
SPEAKER_00needed buffer. However, any investor analyzing this model must pay very close attention to the disclaimer in the source material. Which is that nonprofit participation, tenant placement, and ultimately the income are never universally guaranteed.
SPEAKER_01Right. Because funding for nonprofits can fluctuate.
SPEAKER_00Highly fluctuate. It's often based on government grants or private donations, which can change year to year. So you have to verify those relationships.
SPEAKER_01Aaron Powell And beyond the funding, I imagine zoning laws present a significant hurdle. I mean, you can't always just put three unrelated adults into a single family house without the city having something to say about it.
SPEAKER_00Zoning is a critical bottleneck. You hit the nail on the head. Many residential neighborhoods have very strict ordinances capping the number of unrelated individuals who can legally occupy a single dwelling.
SPEAKER_01So you have to do your homework.
SPEAKER_00Deep homework. Investors have to thoroughly verify local zoning codes. Or they need to understand how the Fair Housing Act and reasonable accommodation laws apply to specialized populations in their specific municipality.
SPEAKER_01You cannot just buy a house, throw three beds in it, and assume the city will look the other way.
SPEAKER_00Definitely not. It requires deep due diligence. It is an active investment strategy, not a magic wand.
SPEAKER_01But once an investor understands the blueprint, once they see how a $2,700 a month revenue stream can be ethically and legally generated by housing vulnerable populations. The light bulb goes on. The light bulb goes on, and the immediate question becomes
Deal Sourcing And The Buyers List
SPEAKER_01about sourcing. How do you actually find properties like 308W fields with margins wide enough to make this entire thing work?
SPEAKER_00Well, the material notes that Flowers and Associates regularly identifies discounted, distressed, and value add properties across the Memphis area.
SPEAKER_01But trying to find these specific types of properties independently on major public real estate websites, that's got to be a losing battle.
SPEAKER_00It's almost impossible.
SPEAKER_01Why is the public market so inefficient for this specific strategy?
SPEAKER_00This raises an important question. The real advantage in value add real estate relies entirely on accessing information before it is broadly syndicated across multiple marketing channels.
SPEAKER_01Before it hits Zillow.
SPEAKER_00Exactly. By the time a heavy rehab property hits the major public platforms, you've got thousands of retail buyers, algorithmic pricing models, and institutional investors analyzing it simultaneously.
SPEAKER_01And that competition just drives the acquisition price up.
SPEAKER_00Right. Which immediately compresses your profit margins and leaves absolutely no room for those hidden holding costs we discussed earlier.
SPEAKER_01Aaron Powell So you are essentially buying at retail prices and just hoping to squeeze wholesale profits out of it.
SPEAKER_00Aaron Powell Which rarely works in the real world.
SPEAKER_01So what does this all mean for the listener? For the investors listening who want to study how these deals are actually structured before the market inflates the numbers, having access to a curated pipeline is crucial.
SPEAKER_00It's the only way to make the math work consistently.
SPEAKER_01And you can receive these specific listing alerts, which include, you know, property photos, repair ranges, and the mathematical breakdowns for specialized housing possibilities by getting on their buyer's list.
SPEAKER_00And how do they do that?
SPEAKER_01You can do that by visiting this specific site. It's flowers and associates, booking.com forward slash property listings.
SPEAKER_00That's a great resource to have.
SPEAKER_01Again, if you want to see the raw data for yourself, go to Flowers and Associates, booking.com forward slash property listings. Having access to a curated list like this just fundamentally changes how you analyze a market.
SPEAKER_00It provides the raw materials. I mean, public sites show you the leftover inventory after the professionals have already picked it clean.
SPEAKER_01Right. You're looking at the scraps.
SPEAKER_00Exactly. But a cash buyer's list gives you the canvas before the paint is even applied. I love that. When you receive an alert about a property like 308 W People, feels a heavy rehab, equipped with a new roof for $37,500, you actually gain the time to run the acquisition equation properly.
SPEAKER_01You can evaluate the zoning requirements.
SPEAKER_00Yes. And you make a targeted data-driven decision before the general public even realizes the property's sitting vacant.
SPEAKER_01Because when your goal is to double your rental revenue through a specialized housing model, the acquisition price is the single most important metric you can control.
SPEAKER_00Completely.
SPEAKER_01A bad purchase price cannot be fixed by a good renovation.
SPEAKER_00You lock in your profit margin the day you buy the asset. The renovation just realizes that profit.
Resources And The Final Question
SPEAKER_01Let's take a breath and synthesize the entire journey we just explored today.
SPEAKER_00We covered a lot of ground.
SPEAKER_01We really did. We started by looking at what initially appeared to be a daunting, high-risk prospect. A $37,000 vacant house in Memphis, requiring potentially $57,000 in heavy renovations.
SPEAKER_00Which scares off 90% of people.
SPEAKER_01Right. But by pushing past that immediate intimidation of the construction and rejecting the traditional $1,100 rental ceiling, we unpacked a highly specialized rent-by-the-bed strategy.
SPEAKER_00A strategy that shifts the revenue potential to $2,700 per month, completely altering the capitalization rate and the velocity of the investor's capital.
SPEAKER_01And crucially, it achieves that financial milestone by actively housing vulnerable populations, proving that private capital and community support can operate within the exact same ecosystem.
SPEAKER_00It's a true win-win when executed properly.
SPEAKER_01It is. So for you listening, if you want to truly master the mechanics of this strategy, to understand the nuances of master leasing, zoning laws, and navigating those nonprofit partnerships, there is an excellent resource available.
SPEAKER_00Highly recommend checking it out.
SPEAKER_01We strongly recommend reading Robert Flower's book. It's called The Joy of Helping Others, Creating Passive Income Streams Through Special Needs Housing. It is available right now on Amazon.
SPEAKER_00And the educational resources don't stop there.
SPEAKER_01No, they don't. Furthermore, if you want to continue exploring the audio discussions around these models, you can also check out the Passive Impact podcast.
SPEAKER_00All these resources exist to demystify what can initially seem like a really complex legal and financial web.
SPEAKER_01Absolutely do.
SPEAKER_00Yeah.
SPEAKER_01Now, as we wrap up this deep dive, I want to leave you with one final provocative thought to mull over.
SPEAKER_00Let's hear it.
SPEAKER_01We constantly hear about the national housing crisis, right? We hear about the deterioration of social safety nets and the lack of funding for vulnerable populations.
SPEAKER_00Aaron Powell It's in the news every single day.
SPEAKER_01Aaron Powell And these challenges are almost always framed as massive, unsolvable, systemic issues that only federal governments or massive institutions can even attempt to fix.
SPEAKER_00Right, like it's too big for one person.
SPEAKER_01Exactly. But dissecting the math behind Robert Flowers' model raises a really fascinating question. If private real estate investment can be specifically structured to yield significantly higher than average returns, precisely by providing specialized housing.
SPEAKER_00Is the ultimate solution to our community housing crisis actually sitting dormant in the untapped portfolios of everyday investors?
SPEAKER_01Think about the implications of that as you evaluate your next move in the market. Keep questioning the standard models, keep analyzing the numbers, and we will catch you on the next deep dive.