15. How to Generate an Infinite ROI

🎙️ How to Generate Infinite ROI in Your Business & Life 💡

What if you could make your money work for you without limits? In this episode, Tiffany breaks down how to generate infinite returns on investment (ROI)—not just financially, but in your time, energy, and business decisions.

From real estate investing to outsourcing laundry, she shares real-life strategies to help you maximize returns with minimal effort—so you can focus on what really matters.

💡 What You'll Learn in This Episode:
✅ What ROI really means and how to calculate it 📊
✅ The hidden ROI opportunities in your business & life 🔍
✅ Why outsourcing small tasks can create massive time returns
✅ The power of investing in yourself (coaching, masterminds & learning)
✅ How partnerships & creative financing can unlock infinite ROI
✅ Why knowing your "happiness ROI" is just as important as financial ROI 💰➡️😊

💡 PLUS: The exact strategies Tiffany & Eric used to grow their real estate portfolio using infinite returns!

This episode is a must-listen if you're ready to optimize your time, investments, and business for the highest possible return—without working harder.

✨ Listen now and start making smarter money moves today!

📌 Resources Mentioned:
🔹 Investopedia: The ROI Formula Explained
🔹 The BRRRR Strategy – Build Wealth with Infinite Returns

🔹 Kate Northrup’s Do Less – Productivity & ROI on Time
🔹 The Fair Play Method – How to Outsource & Reduce Mental Load

🎧 Next time you're on the go, just ask Siri to play the Energetic CFO Podcast!

💬 Love this episode? Tell Siri to leave a review on Apple Podcasts! ⭐⭐⭐⭐⭐

Transcript

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Welcome to the Energetic CFO Podcast, where we empower you to take control of your financial future. I'm your host, Tiffany, an advocate for financial literacy and business success. In this podcast, we'll explore a wide range of financial topics from money mindset and budgeting to building wealth and achieving financial freedom. We'll break down complex financial concepts into simple, actionable steps so you can apply them in your own life. Whether you're a new entrepreneur or a seasoned business owner, this podcast is for you. Join me as we dive into the world of finance and discover the tools and strategies to help you achieve your financial goals. Let's get started. Welcome back to the Energetic CFO Podcast. I'm your host, Tiffany Vogel. And I am so excited today to talk to you about how to generate an infinite return on investment in your business. This is something I have played around with personally and trying to figure out like how to optimize our investments and our cash and all the things. So I'm excited to dig into this today and to share a few nuggets with you on how you can do the same stuff. So. It is finally, like, a normal week for us. Like, no major catastrophes, no hospitalizations. So far, no sick kids. Like, feeling really good. And Just like reflecting on life in general right now, it's, it is insane. The things that we've been able to accomplish and build over the last eight or so years. And that's when Eric and I, that's when I realized Eric sucks as a landlord, and he needed some help. And if you don't know that story, shoot me an email, I'll send you the podcast from On Purpose Investor. But that's how we started. He was just so bad at it. And I'm so efficient. I'm always looking for how to increase the efficiency and whether that's in our time or energy or money. And we've generated so many infinite ROI opportunities and it's one of my superpowers. And I want to share that with you today. So. Let's start. What is ROI? So, it's return on investment. It's used to evaluate how the investment's performed. And I'm looking at Investopedia. It's like the bible of finance knowledge. So it's a percentage, and it's calculated by dividing the net profit or loss by the initial cash invested, or cost. In real estate, we like to look at cash on cash return. That's an ROI. That's what's the return on that cash you put into the deal and how much is it going to make you each month, or actually each year is how it's calculated. We also, as we've had a portfolio for, you know, several years now, Eric and I have shifted from focusing on cash to the return on equity. So we'll look at how much is the property generating per year. Compared to the equity in the property. And the idea there is if we have a really low return on equity property, let's sell it and go take that cash and deploy it into something that can get a higher cash on cash or higher return and make those dollars work harder for us. So it's really important to consider all the factors when looking at ROI. It's one metric. This should not be. your only tool in your toolbox. It's not the big damn hammer as Bill Cook likes to say. It's something that you look at holistically. So if we're looking at our real estate portfolio, we look at the return on equity. So we look at that ROI and see, is this producing the income or the return that we'd like, but we also take into consideration, Is it highly levered? Like, some of the properties aren't looking so hot right now, but we took out a second on it to fund some other deals. So, we're not just using that metric as the end all be all. We also take into consideration depreciation, appreciation, and all these other factors that come into play. And generally, ROI is not looking at the long term picture. So you have to use your brain and think through it, and see what makes sense. When we do these analyses, we've looked at it, and we did it last year. We saw that a couple properties weren't getting a great return, and We saw that they had deferred maintenance. One of them had about 15, 000 worth of trees that needed to come out. So, if we had factored that in, that would have eaten all the cash flow for that year. So, we decided to sell it and did our exchange into our mountain property, and I don't know that I've calculated the cash on cash. for it. I think part of it's with it being Airbnb, it's hard to really calculate exactly what that cash, you know, value would be to us each year. So I will calculate that at the end of the year once we have a full year of data and we'll see how we stacked up on that return on equity and the cash on cash. But you want to make sure that you're calculating the same. It allows you to compare investments and the ROI is just kind of the. Baseline metric for evaluating a deal. But I think one thing that's commonly missed is there's more to ROI than just the hard finances. So it's not just I invest my money. I, Eric and I did a lot of BRRRS. So if you're not familiar with that, it's buy, renovate, Rent, refinance, repeat. Always have to think through it. So you're basically flipping a house and instead of selling it to a new person at the end of the time you're flipping it, you refinance it and keep it, and ideally pull out as much cash as you can. It was a really good strategy in the late 2018, 2019, 2020 era. And some of those properties, we were able to generate a solid infinite return on investment. So our second deal, we were able, we put 25, 000 of cash in it while we were renovating it. And when it was all said and done, we refinanced and we were able to pull all of that cash out plus another 25, 000 And we still had 50, 000 in equity on it. So, we had 25, 000 in our pocket at the end of that deal. And it's a three home property. So, it generates a healthy income for us. I'm pulling up my spreadsheet now. It generates about 1, 400 a month for us. So, it's been an infinite return from day one. We have other properties that we might've had 2, 000 invested, but we made that 2, 000 back after the first year. So it was a high enough return that it doesn't matter. Like there's no, you don't get a gold star for getting an infinite ROI. But the idea is how can you buy properties and have very little cash invested and generate those returns. And you can do that through having a second position note. We've had houses not refi at the level we needed it to. So we got a second position loan and are happy to write that check every month because we still have a great return on that property because we don't have a ton of cash invested in it. So that was the strategy that worked for us. We didn't have a lot of cash to invest. We had a lot of time and we had experience. So, we used those two things that we had to build our portfolio. If you have cash to invest, it's fine to get a 12 14 percent return, it just, that was not going to be what we needed to reach our goals. So we invested a lot of our time, so I bet if you factored in our time, and if we were paying ourselves, let's say 20 an hour, it probably would not have looked as good on paper. So it's just, that's where I want to say having a holistic view of ROI is really important. And not just looking for the great stamp on your balance sheet and P& L to show that you have a great return. There's other ways to generate an infinite return that you might not be thinking about. So we have hidden investments. If you invest in a company and they pay you back. A hundredfold. That's a great return. It's infinite. So there are ways to generate mathematically, financially an infinite return, but there's other ways to do it that you might not be thinking. And I want to just shift your mind a little bit on this. I've been working with a coach for about six months and I've not completely made back my investment. of working with her yet, but the knowledge that I have and the changes in me from working with her are huge and I know the financial returns will come. So that's a way that I've created an infinite ROI. Hasn't happened yet. It's coming though. So let's say just for math's sake, I invested 20, 000 in this coaching, invested a lot more than that, but we put 20, 000 in If I'm able to generate 20, 000, then I break even. If I'm able to generate 30, 000 using her advice, that's an infinite return on that 20, 000 investment. And I can tell you the highest return you're going to get is on yourself. And I am so big right now on not investing in programs, but investing in you. And Eric and I have bought a lot of courses over the years to help us Build up our business. And we've realized it's not a framework that's going to help us. It's the knowledge and the advice that we get from that person. And it's the mindset shifts that they cause in us. And the most efficient way I have found to get mindset shifts is to just skip the course and go straight to the one on one. That's what's worked for me. So in working with her for the last six months, I see that return coming to fruition. I also invest in masterminds and I've seen by being in the mastermind that I'm in, I've been able to generate revenue by referrals or people in the group. And that is becoming close to an infinite ROI. And the thing is the mastermind I'm in right now, we're wrapping up in a couple weeks. It's been a year. So I don't have the dollars to 100 percent have an infinite return yet. But the relationships I have made, I can guarantee you, over the next five years, it will be an infinite return. So that's where I say investing in yourself is the most important thing. If you have the opportunity to go to a seminar, especially in the real estate circles, the seminars are 600. And then you pay for the hotel, so you're talking 1, 000. Yes, that is a lot of money, but in the grand picture, if that 1, 000 investment can generate more than 1, 000 in savings in your business or knowledge, I know we took a course and had I had taken it sooner, it would have saved me more than the 1, 000. And I think it was Zoom, so it was only the 600 or whatever it was. The only regret I had was not taking it sooner. When we were building our real estate portfolio, Eric and I were so proud of ourselves that we did it without going to any seminars and how silly, because if we had invested in the seminars, we probably would have avoided a lot of dumb mistakes and generated more income and just had connections and friends to help encourage us as we were growing the business. So I just want to keep in mind, yes, you can generate that infinite ROI in Your transactions and your deals, but also sometimes investing in yourself and your education and your knowledge and having support and someone to be a third party perspective on your life and business can generate even higher returns. I had a couple of clients I was working with that were not clear on. how many transactions to do a month. And by working together, we were able to give them the clarity to know exactly how many flips and how many rentals they needed to reach their goals. And then we were able to back it from there into a plan for them. And they knew exactly what they needed to do each week in order to reach the goal of the income number that they wanted to generate. So. They were paying my services like they were paying for that, but by doing that, the clarity that they got allowed them to generate 10x return on what they were spending for my help. And I just I think it's so beautiful. And that's honestly, that's why I'm in this business. And what I love doing is being able to help someone translate. numbers on a spreadsheet into action so they can generate infinite returns on investing in themselves and on their deals. And it's just such a, it's so fun. I just love it. I see how we have done it so many times in our business and want to help people look at it in their life too. I invest each week in someone to do my laundry. We still do a ton of laundry at home, but about half of it gets sent off. And that is an infinite ROI to me. Because I think I spend 40 a week for them to fold a couple loads of laundry. But by the time I take the mental load of Seeing the clothes, getting them in the wash, moving them from the wash to the dryer, starting the next load, moving them out of the dryer, moving the clothes from the wash into the dryer, folding both loads of clothes, and then putting them all away. That is a lot of effort. Versus, well, a lot of effort and a lot of time. Because it's probably two, three hours of Having to think, oh, the clothes are probably done, or setting a timer to remember. And having to stop what I'm doing, and go do that, go move them over and then do the next thing. I know it sounds so silly, but that 40, if I could have 20 an hour for me. It is worth paying that, because my hourly rate is more than 20 an hour. So to me, that investment is an infinite ROI. Same with my house cleaner. Same with our boys being in school. We've realized the school our boys are in, they are just thriving. And it's an expensive private school, but it's worth it because the energy that we're expending to parent them has significantly decreased because they have reinforcements from other adults who aren't mom and dad that we can reference. Hey, what do you do at school? And we're using the tools that these trained professionals who work with kids all day long are using. And it's helping us to be better parents, be less stressed out. It gives us the time to work. And again, that, you know, hourly rate works out in our favor. So I just want to shift your mindset of an infinite ROI is not necessarily just involved in an investment or a strategy. It's the investments in yourself and your time and your family. And it's just, it's a great reframe to show that sometimes, yeah, overhead is not ideal. I would love to cut a lot of our overhead, whether in the house or in the business, but by investing in these things, it has allowed me to generate more income. So I will continue making those investments all day long. So if you're looking to generate an infinite ROI, What existing resources can you use? What, think about your network, your tools, anything you have that you can use to grow without adding a ton of extra cost, or is it time to make that investment and hire the coach, hire the strategist to help you assess your numbers? I can tell you the times I have sat down and looked at somebody's real estate portfolio, and help them assess what is happening. The money that they pay me for an hour to sit down and look at it comes back in, I don't even know the multiple, a thousand times return. So, taking the time to gain that knowledge or just have someone review your stuff is so, so worth it. I think about like our taxes. Our CPA has been so good and they've pointed out strategies we can do that will save us hundreds of thousands of dollars over our lifetime. So, yeah, I don't love writing the couple thousand dollar check that I need to each year for them to do our taxes and everything. But also, I'm so happy to write it because I know that's going to save me a million times return, whatever the number is, over the course of my lifetime because of decisions we're making now and then being able to invest that money over the long run versus paying it to Uncle Sam is just a, it's an insane return. Can you potentially partner with someone and generate a better return? We recently partnered with the Boids and On Purpose Investor and the return that we're seeing there and just the revived energy and the additional support and all of that. It's so worth it. Even though now we're splitting the profit, We're getting more in return from it. So what are the things you can do in your life and partnerships or friendships that you can build that will generate a higher return? And sometimes the return is not financial. Sometimes it's just in happiness, because at the end of the day, like, what are we doing? Are we generating money just for the sake of generating money? Are we generating money for some kind of happiness? Personally, that's my focus right now is being focused on gratitude for the things that I have and what I will generate in the future and just being happy with using my money to create more happiness for me and my kids and my family. So if you're looking to generate money for the sake of generating money and a number in a bank account, I want to challenge that. And the best way I've heard this framed is if you had a million dollars in your bank account tomorrow, but you couldn't touch it, does that change anything? And it's such a good point because a million dollars in your bank account, it's just ones and zeros on a computer screen. It's not the million dollars that makes you happy. It's what you can do with it. Deploying money into things that will make you happier is really the end goal at the end of the day. The investment I've made in coaching this year has been worth it because I am way happier and peaceful and calm than I've ever been in my life. Another strategy you can use to look at increasing your ROI is what can you optimize in your business? We've talked about potentially trading some properties. We've been in pad split for a long time. Could you potentially convert the use of a property? We have a property that we could add potentially a mobile home to the back part of the land, and that would generate more income. We're looking at that as a separate investment if we invest say 50, 000 to develop this. and put a mobile home out here, what is that return? I don't think the numbers pencil out for this particular one, but we could potentially sell the land to somebody else and let them make that investment. And it would not impact us at all at the end of the day. And just boosts our return on the property that we have. Looking at what you currently have and saying, can you optimize it is another great way to boost that ROI. I know we've been talking a lot about numbers and finance and all the things, but at the end of the day, the return on the investment is not just the numbers in a spreadsheet or the dollars in the bank account. It's about the life you're living. And we look at our properties and say, Can we potentially Make some changes. We realized the return on one of our pad splits where we rent by the room is not as high as we'd like it to be given the extra energy. So we're not just looking at the return financially, we're looking at the amount of time we spend on it. So that's where I go back to just having a holistic view when you're looking at ROI is so, so important. And I just want to challenge you. What are a couple of things you can do to increase the ROI in your business? Is it investing in a coach or program or outsourcing something? So you have more time for your family. The thing is, like, sometimes the laundry might not translate to an extra hour of work. It might translate to an hour of fun time with my kids. And that's a for sure an infinite ROI because they're getting big and they're not going to be little forever. So I'm totally good making that investment, but I think it's all about the strategy and knowing exactly what you're looking for in life and what's the expected return that you need to cover your lifestyle and to reach that level of happiness that you're looking for. So it all goes back to knowing what you want. And I don't think you can reach the returns that you want if you're not clear on exactly how you want to live your life. And getting out of doomscrolling and social media and all of that, and really spending the time reflecting, what do you want out of life? Because it'll pass you by so quick. And just being intentional and present in the moment is the most important thing you can do. Because the highest ROI moment you have is right now. If you're ready to take it to the next level and have some support from a financial perspective because I am a finance person and want some help from me, please reach out. We can get on a call and see if there's some potential moves we can make in your business to optimize that ROI. And maybe it's in your life, maybe it's not in the business. But if that's something I can help with, please feel free to reach out, schedule a call. I'd love to chat. Thanks a lot. And that is all I have for this week, so thanks for hanging out. If you know anyone that might be interested in learning how they too can generate a higher ROI, please send them this episode. And I look forward to chatting with you next week. Thanks for joining me on this episode of the Energetic CFO Podcast. Remember, small steps can lead to massive rewards. By taking action, staying disciplined, and seeking knowledge, you can achieve your financial dreams. If you enjoyed this episode, please be sure to share, like, and subscribe. And don't forget to leave a comment with your thoughts and questions. Until next time, keep learning, keep growing, and keep thriving.