Dragon's Gold: The Magic of Mindset

From Engineer to Investor: Sandhya Seshadri on Reinvention and Resilience

• Justin Mills • Season 1 • Episode 15

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Episode Summary:

From arriving in the U.S. with just two suitcases and an $8 a week food budget to becoming a multifamily real estate powerhouse, Sandhya Seshadri’s story is a masterclass in resilience, financial literacy, and business strategy.

In this episode of Dragon’s Gold: The Magic of Mindset, Sandhya opens up about her early struggles, stock market success, and her transition into real estate investing. She shares how she navigated challenges like rising interest rates, difficult partnerships, and shifting investment strategies while staying committed to impact-driven investing.

Key Themes:

  • How Sandhya went from engineering to investing
  • Navigating tough financial decisions under pressure
  • The power of persistence & reinvention in business
  • Why relationships & mentorship are key to success
  • How to build wealth while making a positive impact

What You’ll Learn:

  • How Sandhya built financial freedom through stock trading & real estate
  • The mindset shift that helped her navigate high-stakes investing
  • Why she prioritizes impact-driven investing & financial literacy
  • The power of surrounding yourself with the right people
  • What’s next for Sandhya & how she’s helping investors diversify

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Join Us on the Adventure:

Ladies and gentlemen, welcome once again to another episode of Dragon's Gold, the magic of mindset. Today we have Sandhya Seshadri joining us, the founder of Engineer Capital. Sandhya, welcome to our show. Thank you so much, Justin, for having me on this show. It's such an honor to be here, and I'm very glad to share my experiences with you and your listeners. Thank you. Well, I'm grateful you joined us and I'm excited to share your story. let's begin. Let's start with the origin story. Who is Sandhya and where did this journey start? So back my roots are in India and I was fascinated with the United States for a very long time. So when I had the chance to get a college degree here, I applied myself, took my life more seriously, got good grades, et cetera, and got a scholarship to come here. So landed here with two suitcases in hand, $8 a week food budget and a full scholarship to Dallas. And I've lived here ever since because my parents combined made about a $60 a month kind of salary. So there was no question of. coming over here without a scholarship. But since then, you know, I just like a lot of, you know, Asian geeks, I got a degree in engineering. It wasn't easy. It was definitely a struggle, but I pushed through it because without it, I knew I couldn't get a job. So, you know, that's an example of a struggle, you know, not every class is as interesting and fun as you might like, but you push through it, you grind through it because you're grateful to be where you are. And once I got the job, my company was again, kind enough to pay for me to go to school in the evenings and weekends to get an MBA. And so I got a lot of my technical knowledge as well as business knowledge through that. And I started trading stocks and stocks led to a lot of my financial independence. And then most recently now with real estate. That's awesome. Very cool. definitely something that resonates with me, at least as far as the stock trading part of it. Mm-hmm. an active day trader myself Wow, awesome. amazing. The opportunity that's available and the discipline that's required, Mm-hmm. In order to be able to do it effectively. discipline is an incredible tool that needs to be employed in a consistent basis by any entrepreneur in order to be able to make it Well, let's talk about leaping into faith. When did you know that you wanted more? Is there a specific moment or a time in your life where you knew that you were destined for greatness? Well, one moment definitely was when I had my first child and I was at work and I got a call from the nanny about a moment, like she started crawling and I felt very bad for missing out on that milestone. And I said, there's gotta be a better way. So I really did a full financial analysis of my situation that weekend and realized that just by trading stocks for a couple of hours a day, I could easily exceed my W-2 salary because I had enough knowledge. And that was very easy to work around. So I turned in my notice after that happened and remained a stay at home mom for several years until she went to school age and realized, yeah, it was very easy to duplicate that. But what I was missing out on was the intellectual stimulation. I mean, it was really fun to trade stocks. It's just me and my computer and no one else is involved. but I missed the personal interaction. And that's sort of where real estate came into play, because then it's about partnerships. Now I have two kids now, they're both older, they're school age. I'm ready to now give up my daytime to go do something, but not the corporate lifestyle, which would keep me chained till 6 p.m., know, meetings with the West Coast, staying up late, et cetera. So that's when I realized, okay, I can have a slice of everything I want and design my lifestyle the way I want it to be. And that to me is financial freedom, but also freedom of life, because you get to pick what you want to do each day, how you want to do it, with whom you want to do it. And you don't get bosses to tell you what to do. I take off in December. I don't try to do new deals in the November, December time frame. So I'm fully present with my family for the holidays. And, you know, you have to design your life based on what you want. And I didn't realize that's even possible because I had grown up with a mindset of, know, get the best grades you can get a job. work for four decades, retire with a pension. That's the kind of the way I was raised. And so to even consider something else was kind of scary, but I'm so glad I did. I love that you share about that perspective of having an expectation and operating within that boundary then moving outside of that, It's incredibly scary, to move into the unknown, Especially when everyone else around you thinks that you may not be making the right choice or it doesn't align with what they've experienced. And so were there any moments where you felt that fear, that trepidation, how did you overcome it? What mindset shift did you use to push through that fear? I really had to surround myself with a different crowd because everybody in the rooms I belong to were W2 people. You are defined by the title of your job. You're a program director of a large company running 80 million dollar projects. Okay, that was my definition. My title defined who I was. Not, oh, you're just a stay at home mom. You know, there wasn't respect for that role or, oh, you're making money trading stocks. Okay, that's not good enough or. you have a flexible schedule. You occasionally go to some properties. There's not much involved in rental properties, right? You have a property management company. So that same clout that, you know, director of something in a company gets is not there. So I had to find myself a different circle of friends who really knew and appreciated the value of what I was doing because I was able to balance work and life in a way that made sense for my family at that time. Sandhya, that's incredibly insightful. I would use the comment about you are similar to the five people you surround yourself with most consistently, So getting in the right rooms with the right people, surrounding yourself with people that have their own vision or can see yours. And even if they don't align or agree with it completely, can at least support you from making the decisions you want. Right? And not pull you down, not like crabs in a bucket and drag you back down, but help to support and boo you in the decisions you make. in those experiences, I call this the gauntlet, trials, tribulations, and those moments. Are there any moments that came about that you reflect on that were difficult to overcome? It was very difficult for me to separate myself from the crowds I had belonged to for a long time. It's like at least once a month you meet with the same groups, you run around the same circles, you celebrate events with the same group, whether it's your football games or parties or whatever else. And it was difficult to say, I need another crowd. I need to add on to a different crowd and started attending meetups and events where there were more entrepreneurs. And I started doing less of one and more of the other to feel like, okay, I belong with this group more. and this group supports and understands me and I can in turn give them back in a similar way that they have helped me and nurtured me. And that was, you know, that was difficult. That was, I had to search and find people that could resonate with me because my circle just didn't have the same values anymore. One of the things you mentioned there that I love so much is that not only were you looking for people that were going to support you, but you also were supporting them, It's giving back. It's adding value. It's helping to support them in their adventures. And isn't it interesting that in by doing that, one, you, you help other people at an emotional level, but also from a standpoint of the relationships that you make, you suddenly now get yourself into different circles to create new opportunity, New doors begin to open. The connections and the relationships that you make, the saying, network is your net worth, And so much is in who you know. And I think there's massive power in that. So speaking of that, in networks, and we call it the fellowship, right? People, mentors. And in some cases mentees people that you've helped but people that have been along the journey with you and helped you to achieve the success you have is there anyone that you would cite as this powerful and moving in that? I would say Keely Hubbard. She's my sales coach. She's been powerful and very helpful as a friend first and then a mentor as well. And so we discuss things openly, challenges with relationships, with partnerships, with deals, everything else, not just the sales coaching part. And it's been tremendous. The mindset shift, the acceptance of, okay, let's focus on what we can control and let's move on with things that we cannot control. Like I cannot control the interest rate hikes. But I go to bed every night knowing that I've done my very best for my deals. So that's all that you can do. So things like that, it really helps to have another professional in the business who understands the business and we can shoot ideas off of each other. Absolutely, sharing ideas and sometimes just sharing some of the harder experiences, trials that we've had to overcome, the things that we've experienced that didn't feel good. And someone who's been in the trenches and has had those similar experiences can really help to be a voice to help to support you and say, Hey, you're going to get through this too, right? Speaking of getting through something, you know, is there a moment, I call it the darkest hour, a moment where you were going to throw in the towel. You just thought I can't do this anymore or didn't want to deal with the stress that came from that. And what mindset helped you through? I had a very difficult partnership where I had two other partners who, because of, shall we say, political reasons, wanted to keep the existing property management company who I knew wasn't performing for my property. And so I always give every PM company six months. At the end of six months, I don't care if you're my brother-in-law or my best friend, if the performance doesn't meet what we need. We're going to have to say goodbye and part ways and they were not willing to do that. They were wanting to be nice for various reasons and give them a chance and give them a chance and prolong what I call the agony. And so this was resulting in, not the best performance for the property. And anytime that, like in corporate that you got to fire somebody, you got to hire slow and fire fast. And they didn't do that. And I could not talk them into it. the two partners, They're not engineers like me. I say, look at the numbers, guys. Look at where we were before this company took over. Look at where we are today. We cannot sustain like this. And they wouldn't agree to it. took me 18 months before we had to sort of force the issue and say, OK, are you going to put in money at this rate? Because what's going to happen? And it took me a very long time. And that was a dark hour when I said, I give up. There's nothing I can say or do with these partners to make them realize what's going on. And I don't know, finally they saw the light and we did it, but I wish we had done it much sooner. So that was the only time with that particular deal that I wish I wish I could just sell this, get everybody's money back and move on because this partnership ain't going to work. But since then, they have realized their mistake. They are cooperating with me and we are now a unified team working towards the same finish line. But it was very difficult at that time. In that moment or that length of time, how do you feel it affected the relationships, both in that deal and potentially in other opportunities that may have arisen? I was very afraid to take on too many more new opportunities because this one was draining me so much. And so I was really limiting my exposure to further new deals until this one was sort of in what I call cruising altitude. And I'm pretty slow to take on deals because I'm a hands-on asset manager. So I do a lot of the work. I do the property visits, the weekly asset management calls, et cetera. So I don't have a new deal every two months. I take a deal and I like to stabilize it. It takes three, four months at least. And then I take on the next one. So I took a lot longer to get into new deals and I also had trust issues getting into partnerships with new people. And I had to then again, develop my own checklist and agreements, et cetera, when it came to things and what I could do differently. Again, coaches help with that, but what would I do differently if I had the same opportunity again? I would probably go faster and take legal action. Because ultimately I worked for investors. Absolutely. You have to protect the investor. it's not just the investor capital, although it is, because we have a fiduciary responsibility to protect that investment. It's also your reputation. Like down the line, it's not just one deal. It's how many deals are going to come in the future, because it's not just one apartment or not just one alternative investment class. And so if you're going to help investors, it has to be a win-win. They have to win. But you also, whatever you're investing in, you want to make sure that those, in this case, multifamily, those tenants have a good living situation. And if the property management company isn't holding up their end, if they're not providing the proper value, they're not addressing the tenants needs, it's not just the investors who suffer, it's the people in the complex and in the apartment that will also experience that negative. And it's unfair to every member of that. Yeah, the property condition was fine. I would walk units pretty frequently, et cetera. They just wouldn't, cut the expenses. Their expenses were just outrageous. We would pay for all kinds of expenses that I've never seen in other expense line items. They just couldn't operate nice and lean that is necessary for a B and C class property. That was the biggest challenge. Income, yeah, they weren't pushing things enough. They weren't open to any ideas from us. They were sort of like, we're this black box. We know what we're doing. Leave us alone. Kind of thing, we only have once a month calls and I don't agree with that when your deal is not performing. So there were a lot of those kind of. issues of we're superior, we know what we're doing, leave us alone, but then the numbers don't reflect. I think there's a lot to be said for humility, Recognizing that we can always do something better. There's always someone out there that knows better and let's learn from them. no matter how good you are, there's someone out there that knows something you don't know. Learn from them, Take the good, employ it and the stuff that doesn't work or doesn't resonate, so be it, but at least be open to learning more. be a forever student. So through those moments, those experiences, at the end of it all, there's gold, I call it the dragon's gold, the rewards, the successes, the things, and they're not all monetary. In fact, many of them oftentimes are emotionally beneficial or mindset driven. What would you say is some of the gold that you've gained in experience? I didn't realize just how strong I am. feel like I'm a phoenix each time I rise from the ashes. every time I reinvent myself, I just keep revving up a newer and better version of myself and realize, okay, if I ever have this problem again, I know exactly what I'm gonna do. And this is what's gonna happen. learned so much from that experience. It'll serve me and my investors know so. That's all that ultimately matters. The residents are taking care of nothing was neglected in the property in terms of assessments and inspections and all of that. The units were fine. It was not in bad shape. So. Good, good. you know, I think about from those experiences, something you made comment about earlier, maybe think about the investment of time, You weren't open to going to get into new deals because of the amount of time and effort and stress that that one was creating. And so there's a, there's a monetary capital that comes into play with any type of investment. There's also an emotional capital, There's the amount of energy you have to put into something. And when you have something that's a negative experience like that, it can seriously sap or drain your energy and your commitment. Absolutely. It can definitely drain your energy. There's the opportunity cost of what else you could be doing with that time. But that also brings me to the topic we were mentioning earlier of alternate investments, which is why, you know, multifamily is so hands on. You got to be involved at least on a weekly basis, if not more often than that. I'm still calling my PMs all the time versus you do other investments like, let's say, triple net lease, oil and gas, tech funds, et cetera. It's not as hands on. doesn't drain me quite as much. So that's why I'm like, this is a good way to bring investments to people that provides better returns than multifamily, but also doesn't drain my energy and take up so much of my time. So is that what led you to doing other investments besides multifamily? Ultimately, the reason I wanted to is I recognize different investors have different risk profiles. so a multifamily syndication models do in fact have that cash flow depending upon how the deal drawn. However, it oftentimes is a lower cash on cash return where you make more of the money at the equity at the exit. And so ultimately finding different asset classes that can help the investors, whether a monthly distribution versus a quarterly distribution, or whether it's a situation where you can better cash on cash returns a more stable income, or What's the backing? How conservatively was it underwritten? Some people don't care about the massive amount of return. They care more about just a hundred percent or 99 % because nothing's a hundred, but protecting your investment. so finding myriad asset classes to be able to invest in, to be able to help different investors with different risk profiles is what drew me to looking to alternative investments myself. So the tools and weapons, the resources, the things that you've used in your journey, books or courses or anything of that nature, is there anything that you would share with the listeners that was inspiring to you? I think Jim Rohn is always a great person to follow. I love Jim Rohn quotes and Tony Robbins. you know, those two as far as finding that energy, especially when you're feeling down. So listening to something motivational in the mornings from Tony Robbins, Jim Rohn, success leaves clues is one of my favorite quotes from Tony, unleash the power within, awaken the giant within, et cetera. Those are some great books. I also like the psychology of money. I like, atomic habits, the power of one more. And of course, I like my little book, Next Level Your Life, where I wrote one chapter, and it's a lot of inspirational short stories from different authors who I've met. And it tells you about how much they have struggled and how they come out of it. So anytime I feel like my life is horrible, I remember somebody like Nathan Ogden, who got who became a quadriplegic from a ski accident. And now they donate wheelchairs all around the world. And they actually visit all these places with Nathan, wheelchair bound, and how he flew on his own from Salt Lake to Dallas to attend a mastermind event without his wife or anyone accompanying him. So I always draw on stories like that to inspire me whenever I'm feeling down. Sandhya, I love that so much and I am going to be looking at that next level book. I'm a huge advocate of those types of stories. mean, hence the reason for this podcast is to share and inspire, to try and get those stories out there so people recognize that you can push through, right? And to hear a situation like what you just shared with Mr. Ogden and the situation that created his current circumstance. But like you mentioned earlier, right? The Phoenix rising from the ashes, being able to find how can you take something positive from this experience and to be able to have that situation with the wheelchairs and be able to help other people too, So coming back and finding the good in it and then sharing that gold with others, such a powerful thing. so energizing, so inspiring, and it helps you to overcome your own challenges, Yes, it does. And if I could mention his organization, it's chairthehope.org. If you ever want to learn more about Nathan Ogden, he's an incredible human that I've had the honor to meet and co-author with in this book. I love that. Thank you for sharing that as well. I know that there are several people that will be listening to this that will want to help. And I get so excited to think about how far the reach will go. And what I mean by that as well is the things that we will never know, the lives that we touch that we never know that we were able to help. But just knowing that through sharing our stories, that someone will grow and then go on to help someone else, Those ripples that will come from it. think legacy is planting a seed in a garden that you will never see, And always trying to plant seeds. I think about what you said about Jim Rohn and Tony Robbins. If I'm not mistaken, Jim Rohn was His coach, his mentor. And I absolutely love the idea about listening to other people, their inspiring stories, lessons that they teach. But the thing about just listening to that that helps, but it's the experience. It's getting out there and doing it. It's taking the action, applying the knowledge that you learn is really the rubber meets the road, as they say. And so I think that there's a massive value in everything you've shared. And I think of this I call it the Hall of Heroes, right? It's it's the legacy. It's passing the torch. When you are gone from this world and if someone were to go through and see a statue with you and a plaque on it. What would you want it to say? What message would you want to share? that I fearlessly led and taught children especially to be financially independent through all of my intensive math and financial literacy tutoring that I've done for free and the career advice I've given out to them. And that every community I've ever touched through my real estate investing is better since I have impacted it. through COVID, for example, we did so many charity events there and we brought things at a six foot distance to help people fill out applications so that our delinquency was barely anything through COVID. And that's why our first couple of deals were a massive success. So communities are important to me. It brings out the PTA mom in me. So I want to know that I left every place better after I found it. I love that. That's so powerful. And it's a lesson that many people can take to heart, right? Leaving this world better than we found it. If everyone operated with that kind of expectation and just gave and helped to support, Right. I can relate to it because I lived in a C class apartment when I came here as a student. So I know exactly what it's like to live paycheck to paycheck and not just say you need to pay me three hundred dollars more because I put a granite countertop there. That doesn't make any sense. So let's give you a washer dryer for fifty dollars because I know that's going to save you the time and money for doing your laundry from a coin operated machine elsewhere. You're a single mom with baby and having to go to a laundry center in the heart of summer in Dallas, as an example. So let's do meaningful things that residents want to pay for. So powerful. what I especially love about that idea is In regards to helping people, you as an operator and your investors will experience and bear the fruits of that. But importantly, you're helping to increase the quality of life of someone else. You're actually making their life better. I think that something you had mentioned earlier about investments, one of the things in particular for myself that I really focus on in every investment that I become involved with is that I want the investors to make money, of course, but just as importantly, I want to be impactful. want to help people. I want every investment that's made to make the life of the people that it touches better. So speaking of goals, and I think of it as the quest, the next quest, what is next for Sandhya and Engineered Capital? The next quest is to find better, better Sharpe ratio, which is risk adjusted investments that have asymmetric returns for my investors with a little less hands on work on my part, like flat roofs, leaky roofs, disasters from freeze temperatures, et cetera. The whole C class world probably do a little bit less of that and have more stable cashflow, whether that's car washes, whether that's oil and gas, which is risky but also has its advantages. Today the oil prices are very high, but make sure, as you mentioned earlier, that the risk reward profile matches what the investor is looking for based on the phase of their life. And do that while still not compromising on the fun things I love to do with my family, which is generally being a little bit off in December from Thanksgiving through Christmas, et cetera. Enjoying your life, enjoying your experience, like putting in all that time, effort and energy is valuable for many reasons, but what do we do it all for? Right? we have to know what your why is and the reason that you're pushing so hard for that. So I love that you, because of the time, the effort, the energy that you've put in all the front loaded effort and the blood, sweat and tears, as they say that you've put in, you're now able to reap the benefit of taking that time with your family and creating those memories, Because at the end of all of it, when this story is done, when we look back on it, that's what we have, is those moments that created. It's hard to see it in the moment sometimes. the saying, it's hard to see the forest through the trees. When you're in those moments, we don't always value the experience for what it is at that time. Looking back, hindsight's 20-20. So being able to consciously and very presently be in those moments, and really make those memories and capture those reflection in your future wonderful. And I'm glad that you get that opportunity. Yeah, time blocking is a huge one. So just my time gets blocked the minute my kiddo comes home from school until, you know, he's off to his next activity or something else. And you have to do that. You have to be fully present. You get very short number of years with them before you can influence them at all. And then they actually leave the nest, you know, so don't miss out. Yeah, funny. I reflect on what you just said there. So my oldest daughter is in college right now. And it was yesterday that she was a baby. My youngest is nine. And I thought that I always tried to be very present with my kids. I have three. But I found when we hit the reset button with our youngest, I really made a point to be super conscious of spending that time. come home work or meetings, et cetera, and you get down, you just drop down onto the ground and play that game with them, right? Really be present in that moment. And it only takes 10, 15 minutes, right? But to them, it's a memory of a lifetime. Yeah, yeah, for sure. And I am definitely addicted to my phone. So we actually trade phones. So I take his phone, he takes my phone and we go for walks together so that only if it's an emergency, each of us will look at the other's phone and say, OK, you can have it. But otherwise, it's quiet walk and conversation time for both of us. love that idea. That's really powerful. I think it's a lesson that many families can employ. Yeah, it's an easy one because he's still kind of monitoring. He knows what my urgent calls are, but I'm not constantly looking at it saying I got to respond in five minutes to this. This can probably wait till the next day. You know, it's after 5 p.m. No one's my bank is not really waiting on my response this evening and wait till the next day. so that's that's helped us a lot because he's a teen and, know, I'm a phone addicted mom and I will admit it. So we've got to have rules. And then same way, we all put our phones away at a specific time at night. in one central location. So none of us go to bed with our phones next to us and we are fully present at dinner. Super valuable. I love all that. Thank you for sharing it. Also the time blocking comment. I agree with you so much. think it's, it's life changing when you really employ it, really dedicating a very specific amount of time and window of time for whatever that activity is. It really allows you to structure your day and it helps with decision fatigue, Very, very simply, you know exactly what your plan is. You've, you've forecasted that out. and you apply that energy appropriately and 100 % all in and whatever that moment is. And oftentimes the product that you yield from that experience is so much more effective, Your time is efficiently used. I think that that just helps in every other facet of what you're doing. So thanks for sharing that. the focus makes a big difference too, is when does your brain work at its brightest and best and block that time for the more tedious tasks such as, know, underwriting as an example. I have my golden hour when I like to do that or financial analysis, et cetera, versus, you know, podcast time and other things. I have different time windows to book those. it's amazing. Knowing where your sweet spot is time, and it's not the same for everybody. I love early mornings. I get up at 4.30 every day. I used to do 3.45. Now I let myself sleep in a little bit. But the idea about getting up early and being most effective. Other people, at midnight, that's when they're most creative, and that's the best time that they can allocate. And finding and understanding what works best for you and where to focus your energy. Where attention goes, energy flows, that time in the right place and being as effective as possible and being understanding and forgiving enough of yourself to recognize that you won't always do it perfect, but learning what does work best and then really leaning into that. So, Sandhya, this question hands down my favorite to ask. I know you touched on it a earlier, but if you could be any mythical creature, what would you be and why? will be a Phoenix rising from the ashes because I have reinvented myself so many times. The first one was just coming on board here as a student, then a professional in an engineering company, then a stay at home mom, then a real estate investor, stock trader. So I've had to start over and reinvent myself so many times. And each time it's like I emerge better and stronger. And that's probably the best way to describe me. I love it. Sandhya, well, thank you so much for joining us today and spending some time sharing your story. Really appreciate it. Thank you so much, Justin. It's been a pleasure. My friends, thank you for joining us once again on our mission to inspire, educate, and empower you to turn your dreams into reality, one mindset shift at a time. We'll see you next time.

People on this episode

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Justin Mills

Host
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Aaron Iler

Producer
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Sandhya Seshadri

Guest