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Updated2026-10-28 07:00:00

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Meet Kevin · 2026-01-01 · 유튜브 시청 35,423 · Board Views 8 · International

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저자: Kevin · 외국인

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올해 생산성 팁과 습관 관리법을 공유하고, 하우스해크 11채 매입·EPS 흑자 전환 및 AI 앱(Reinvest) 출시를 알린다. 향후 방향으로 스폰서 영상 중단, 심층 분석 강화, 하우스해크 성장과 AI 사업 보수적 확장을 제시한다. 시장 전망에 대해서는 내년 방향을 '50:50'이라고 언급하며 헤지 필요성을 강조한다.

다듬은 글

※ 자동 자막 원문(다듬기 전)

01. So, given that you clicked on this video, you're either a real supporter or you just hate me and can't wait to get rid of me. Uh, good news and bad news. Uh, bad news for the people who just really want to get rid of me. This is my last video for this year and I probably won't post anything tomorrow and I have a lot to share in this video that I think will be really useful.

02. So, good news for the supporters. See, this video is more than just a reminder that yes, the Reinvest AI is out as promised, which means yes, the coupon expires tonight and we raised the price a lot. This video is actually to give you a lot of tips, a lot of commentary on things that worked really well for me in 2025 so that hopefully you could learn even just one thing from this video and improve your life.

03. because many of you come to the channel and you see me do fundamental analysis and technical analysis and cover news or do deep dives and then I go run this real estate company and now we develop an AI app. There's a lot and so I wanted to share some of the things that went really well in 2025 mostly just to for free help you uh also have a great 2026 and I think you know there's no better day than frankly December 31st to do just that.

04. So, uh, the first tip that I would like to give is I'd like to keep it nice and straight and simple here and we'll make some promises as well. We'll make some commitments here. I think that's always a good thing to do on New Year's. But, uh, the first thing is get the productivity app. It's free. It's it's not a sponsored app.

05. It's something that I use. You know, there's no affiliate link or whatever, but you could get this in the Apple App Store. I'm not sure if they have it for Android, but it's called Productivity. I'm sure you could get a different kind of thing as well, but I basically call it like my World of Warcraft daily sheet.

06. And uh so what I do in it is I just put things in there that I know I need to do on a daily basis. This is different from like my checklist or my to-do list. We'll talk about that in a moment. I don't think you should mix up bare minimum things that you should do on a daily basis with your regular to-do list.

07. That gets too blurry and then you can't focus on the things you need to do. You get distracted by the basic things you should be doing on a daily basis. But if you don't have both of these lists, you're really likely to not do things you should be doing on a daily basis. Now, what could some of those things be?

08. Well, I'll give you some examples. So, it could be as basic as brush your teeth, floss, and mouthwash on a daily basis. It's really important, especially if you're prone to cavities like I am. And so, I do that on a daily basis. And I've been doing that on a daily basis pretty much all year long, which is really exciting because in the past I didn't and just sort of like get to it or I'll skip a night cuz I'm tired.

09. Now I don't and it's great. Uh, another example is get my daily wealth email out or, you know, notification out if you use the Meet Kevin app for it. I've been very consistent on this since logging this in my daily sheet and I really enjoy it. Like I say, it's like my World of Warcraft dailies. You know, you got to get out there and grind, right?

10. or things like logging my state of mind every day. You know, what are the things that made me happy and what didn't? You know, I actually just got like an AI Apple insight and it's like, hey, we noticed 76% of the time you said you were really happy uh was time you were spending with family, which we'll have an update on family in just a moment as well, which is kind of exciting, which is cool.

11. But anyway, uh then we talk uh you know, I I make sure that I do things like I journal. Hey, what did I get done today? Did I do anything productive today? I find that there's also a correlation between getting things done, not necessarily like money coming in like, you know, money coming in is great.

12. Okay, that's fantastic. I mean, like I look at house hack, you know, we're we're we just bought 11 properties. We as of December 16th went EPS profitable, which is great. I mean, the accountants will finish off uh you know, all the accounting or whatever they got to do for the rest of the quarter and then we'll do our filings and that which is really exciting.

13. I mean, this is amazing because we have now we bought 11 properties in the fourth quarter as we promised we would go buy properties in the fourth quarter. Now we got $15 million in the bank because people kept investing and believing in House Hack and the vision of what we're doing with House Hack and Reinvest, right?

14. Same company or our AI product. Really excited about that. Uh so I like it's it's not a matter though of dollars. It's a matter of getting things done, working those little things that every single day get you closer to your mission and that logging that satisfaction. Some things that could be as simple as like, you know, hey, did I get a better insurance policy that protects the business better, that is something that satisfies me.

15. It's something that nobody sees and it doesn't make for a sexy YouTube video, but it's something we we all know we have to do that kind of junk and it's annoying. Like I'll give you some other examples uh that those are things that you want to log and you're like I got this done so at least you can document that success and you get happiness out of doing it.

16. It's why I like logging or journaling every day what I did. I think it's a huge hack for happiness and motivation. But like look the last 4 months we finished laying off people. We we hated having to do it but we were overstaffed. We just don't need as many people as we originally did when we were buying in a bunch of different cities.

17. We've now bought most of our real estate in different cities and so we just don't need the staff. We don't need an onstaff construction crew. Like there are just so many things we don't need that we thought we needed. And so we've really collapsed our expenses, which we'll talk about like hedging in the market in just a moment, but spoiler alert, when you reduce your expenses, it's a whole lot easier to hedge in case the market goes weird.

18. Now, you know me, I'm 5050 here as to what's going to happen next year. But either way, uh like just think about little loose ends that you want to grind on that is a pain in the butt, but you should be logging as a success. So, do you actually have all of your insurance coverages, right? I mean, like I look at some of the insuranceances coverages that we have and and the list is insane.

19. Uh I'll pull it up and then I'll read you some off here right now. But it's not just that. It's also thinking about retirement, not just for yourself, but if you have children, like I actually opened up Kougan accounts in California for my kids. So that way when I pay them, some of it goes into a child's Cougan account uh and some of it goes uh into their UTMA account that I have at Fidelity and then I move that income that they get after they pay their taxes on it, which is basically next to nothing.

20. Uh and then we move that into their Roth uh uh retirement account. Like to me, these are really cool things that everybody kind of should be looking into setting up as as soon as your kids are old enough to earn income and actually do something functional at let's say your side hustle, your family business.

21. And even if you're employed, you can have a side hustle. You could get a real estate license, a lending license, or do electrical work on the side, or you know, I know a guy that I love and adore. Uh you know, he he is a tech guy and he does uh firearms training on the weekend. And I'm like, "This is awesome.

22. Good for him." Like, I love that kind of stuff. I I really admire and love to hear stuff like that. Uh because it's great. Now, you can also write off more. Not only can you write off more stuff, but you can employ your children. You can build up their 401, you know, their 401ks or Roths or whatever.

23. Usually, children aren't eligible for 401ks depending on what kind of plan you have. But anyway, their Roths, which is great. Their taxes are so low anyway, right? You may as well. But anyway, accounting, other loose ends. These are all the things you want to put in. Like I look at some of the insurance things we have here.

24. master insurance policies for bundles of properties, workers comp, health insurance, vision and dental, too expensive, property management, ENO, uh, directors and operators and investor insurance, cyber security, EPLI, life insurance, different policies, techno, cyber eno, IP insurance, media insurance, business owner policies and all of these policies require like negotiating and working, right?

25. That's all the unsexy stuff that doesn't show up in a YouTube video, right? Like nobody wants to talk about that stuff. But the way you kind of make sense of it or the way you make it enjoyable, so to speak, is in my opinion, you go out and say, "Hey, I'm going to log it." And that makes me feel success in what I'm doing.

26. And I think that's a wonderful thing. Uh, another thing like, "Do you have your trust set up the way you wanted? If you're if you die, does your, you know, family have access to all of your 2FA? Do you have all do you have all your beneficiaries correctly set up? You know, do you have like a fireproof safe somewhere where somebody can go in and like, you know, figure out like, hey, like what do I do if you're dead?

27. I don't know. Or maybe you have a vault or like a safety deposit box somewhere where you keep that, right? Like it doesn't have to be in your home. You could hide it somewhere. Point is, you know, people in your family should know these things, right? So these just little things to think ahead that actually give you as a human a lot of peace of mind even though none of us actually are planning on dying anytime soon.

28. Knock on wood. So productivity app real big game changer for me and just like getting these things logged and grinding these things out and you know I started my New Year's resolution to actually go to the gym and work out now 32 days ago. Today will be day 33 on a streak once I go to the gym after this.

29. Actually I already did this one. So I'm going to check one of these off over here. I already did that, so I'm going to check that off. You know, the little things you get into these habits and forming habits is good. That's something good that we want to do going into uh 2026. Now, I've I've got more here and a lot of productivity tips.

30. And, you know, not only is our I mean, this is another thing I'm going to have to do. We're going to have to sort of rebuild the Reinvest website because, well, at this point, the app is live and we're really excited about that. You can still lock in your pricing if you want. Uh, we got to change the coupon.

31. We got to rebuild the website a little bit because, you know, now our investment round is closing tonight. Uh, and so we'll get rid of the invest button and we'll get rid of the invest section. Maybe we'll move the real estate section somewhere else. But I want to talk about more productivity tips. Uh, not just to think about all the things I still have to do.

32. Uh, but I want to make a promise. I made this promise last in 2022. And uh I said that for the foreseeable future I would no longer take sponsors in 2022. And uh even though you know two years later it took two year I did two years of no sponsors. Uh and I only promised I said for the foreseeable future I wouldn't take sponsors and people like oh you take sponsor.

33. So I did have sponsors for about probably the yeah last year maybe year and a half or so. And uh I think right now and this is just a promise that I'd like to make to everybody on the channel that again also for the foreseeable future. Uh this video will be the last video with a sponsor integration.

34. And the reason for that is related to the promises that I want to make in the latter part of this video. And so there are a lot of exciting things that I have for 2026 that I want to talk about. Uh but with that said, uh say a silent prayer, a moment of thanks, a moment of gratefulness to our last sponsor for the foreseeable future.

35. Managing rental finances across multiple bank accounts, apps, and whatever else can get complicated really fast. From tracking rent payments to preparing for tax season, it's a lot of work. And that's where today's sponsor, Baselane, comes in. It's a banking and bookkeeping platform designed for real estate investors who want a simpler all-in-one system.

36. Baselane allows you to open unlimited checking and savings accounts for each property, helping keep income, expenses, security deposits, and reserves all organized and separate, segmented apart. Rent collection is then fully automated with reminders, optional late fees, other settings that you can adjust depending on how you want those notifications to go out, and deposits that can arrive in as little as two business days.

37. For bookkeeping, Baselane automatically categorizes transactions and generates downloadable reports that make tax preparation much easier. It combines what would normally take several tools, several different dashboards to go to, you name it, all at one place. and it's at baselane.com/kevvin. If you sign up at baselane.com/kevvin, that's today's sponsor, you'll get $100 in bonus cash when you fund your account.

38. Again, that's baselane.com/kevvin or click the link in the description below. Oh, thanks so much for baseline. They're great and I think they do great in real estate and y'all know I love real estate. But let's go back to sort of the tips. So, after you get this productivity app like set up, and you should be grinding on this, I recommend you have one checklist.

39. Nobody does this, but I think it's so important. So, you have the productivity app for like the things you're going to do on a daily basis, right? And you could like journal and your reminder, do all that kind of stuff. But the next thing you really need, you need a checklist. One place that you put everything because it's getting worse every single day.

40. Every app gives you notifications. You got text messages, voicemails, missed calls, emails. You can't consolidate all of the crap. Returns to make to Amazon, packages to drop off, things to do for the kids, donations to make, things to buy, things to you can't keep it all straight. So, what I actually did is I made uh and and you could use this for free.

41. You don't have to. like it's no skin off our back whether you use it or not. But um I made a uh to-do list app. This sounds crazy, but you know what? My team and I, we put this together, but it the inspiration was having one place that you could actually put all your stuff. And look, there are a million different checklist apps, but one thing that ours does that I think is really unique, you could use a different one, of course.

42. You could download the Meet Kevin app if you want, but one thing ours does that I think is unique is it lets you deprioritize tasks. So, I'll show you really quickly uh how it works and how I use it and the little tricks that I found that are really useful for me uh to be more productive as uh well, frankly a human.

43. And I think that's that's always our goal is how can we learn to be more productive because that enables us to spend more time with family and more time making the dalahalas, right? All right. So, uh, here's just a quick example of how I might use this. So, back in the day, if I had like five miscellaneous text messages, let's say three of them were bills, right?

44. And let's say I had to do bills to uh Walter, you know, or uh bills to Greg and I don't know, I'll do bills to my buddy Alio, let's just say, right? Well, if I got, you know, text messages and emails and voicemails asking me about uh bills, well, it's really hard to organize that all and I'd like to do it all at the same time.

45. So, what I do is I when I read these things, I just quickly throw them on my list of tasks to do and I'll throw them under bills and great, now they're all categorized under bills. Nice and easy like that, right? But the other thing that I'll do is I'll throw in here and do like, you know, QuickBooks and then I'll do, you know, upload receipts or deposit uh checks.

46. If I could spell correctly. There we go. Deposit uh checks. Still didn't spell correctly, but whatever. You get the idea. Now, let's say I'm going to pay bills through Mercury and I don't really want to go into QuickBooks right now and I got to do some other things like drop off mail or maybe I got to, you know, uh, call the venture capital company back.

47. We haven't gotten any venture capital investments for House Hack, but I've had a lot of people asking me for pitch decks, and I'm like, before I make a pitch deck, I am closing this fund raise cuz if I'm going to have to make a pitch deck, we are raising the valuation. But anyway, so like let's say those are higher priority items, right?

48. So uh and and let's say, you know, for whatever reason, this is the way it looks. So I might look at this and say, "All right, hm, do I really want to do QuickBooks right now?" No. So this is the feature that I really like that I haven't seen another app do. I can depprioritize. So I could swipe to dep prioritize, and I just hit prioritize, and it pops up at the bottom of the list.

49. Call the VC company. All right, let's say I did. Ring, ring, drop off the mail. Let's say I did. Complete. All right, awesome. It's done. And now those things also go into my log. Like my last actions go into my log. So it's kind of cool in case I ever need to undo something. So we built this. It's just a free feature in the Meet Kevin app.

50. That's the same app where you could get your daily wealth updates, which I think are really cool. Like here's the payroll hack up uh hack that I did yesterday, which I thought was really cool. Uh but anyway, you know, that's just the task hack. And then when I finish these off, obviously I can complete them.

51. I can uh you know if I really want to I can collapse that for now and depp prioritize it just to get it out of my way the bills section. But this is a nice easy way to consolidate life. Game changer. It is such a stress relief to actually just organize things correctly. Now uh we already talked about gym.

52. I'm not really doing like a gym New Year's resolution cuz I'm like if I do it on January 1st I'm not going to do it long like I'll fail just like is normal. So, I actually started in Thanksgiving and now I'm getting into this on day 33, which is kind of exciting. So, that doesn't mean don't start today if if you've wanted to.

53. A tip that I found for the gym, because I've never been able to be consistent in the gym, and I' I'm only on day 33, so it's whatever. Very, very simple. Keep your exercise simple when you start getting in the routine. I'm not, you know, a personal trainer or whatever, but this is just what I found that works for me.

54. I want to spend less than 40 minutes a day in the gym. Like that's I cap out no more than 40 minutes. And I'll do an AB and a Dday. That's or a B a day and a B day. There we go. Uh and really the goal is three or four exercises. That's it. Three or four exercises, 12 reps, four sets, done. Like there's plenty of time to do them.

55. Do a quick email. Do them again. Do a quick email. Do them again. and and then you're out of there. And it feels great to get it done every single day. Big big big fan of this. Uh and I should honestly add this to my dailies list. I'm actually going to write it down as like things to add to my daily list because I like this touch dirt.

56. I have a greenhouse now. That was something that I finally, you know, was able to put together in 2020 uh six or five. And I'm so grateful about it because or for it because I really feel like it makes me happier on a daily basis to like look at my plants and see my plants grow. But it's more than just growing plants.

57. They're also kind of like a way of seeing time go by. It's like, wow, look at all that progress we made over those last few weeks. And if I feel like I'm not also making progress while those plants are growing, it's kind of just like a little slap in the face like, man, what did you do? Like these plants grew grew up and what did you do in the meantime?

58. Like I want to be able to see that time go by and go, I spent that time well. I got a lot done, right? That feels good. And it doesn't have to always be work. Like vacation is good, too. Trust me, I'm I'm like a massive fan of spending time with the family and vacationing. And that's something, not necessarily vacationing, but spending time with the family is something that I really want to do more.

59. That's probably something that I've been less good at in 2025, especially when unfortunately we let go of the over staff that we had. There was a lot of catchup that I had to do. I feel really caught up right now. Like so much weight is off my shoulders. And it's so great because the team we have working with us now, they're all so wonderful.

60. They all deserve so much praise. from uh accountants to CPAs to the lawyers that work with us, the broker dealer that works with us to our software team, our lead engineer to, you know, the staff in the office, just everyone just firing on all cylinders. It does feel great. But that doesn't mean, you know, don't go out with your family and go hit the powder.

61. Like, you know, if you've never skied before, go get yourself some skis. Like, you must experience the magic of the snow. you know, buy yourself some of those Meta glasses. You know, I like I'm not the biggest fan of Meta itself, although I do think their stock is cheap and I buy it. Uh but um the Meta glasses, you know, they're great.

62. They're a great way to get out there and film without losing that moment, right? That's what you don't want is you don't want to be going through this and holding a camera, losing the moment. You want to be looking at what you're doing and, you know, seeing your 10year-old go through this or whatever.

63. This this is the fun that you should be having in life. Now, I will say if you ever go to Northstar, also nicknamed Flatar, I do not recommend staying at the little Hyatt lodge or whatever. Uh, you know, if you do three nights, you get a cheaper stay cuz they unlock these like little condo rooms. I think it's just like some rigged Airbnb thing that they do through the hype.

64. We had 30 seconds of hot water, no amenities. I'm not trying to sound bougie, but come on. I need like more than 30 seconds of hot water for two people. Okay, I gave Jack all the hot water and I was back to cold showers, but you know, whatever, right? Jack and I, we we escaped and uh we we went up to uh Truckucky, which was awesome.

65. Like, totally recommend it, especially after a dump snow. So awesome. Uh but anyway, let's get to some more recommendations here. So, uh, other recommendations that I think a lot of people forget about and and don't pay attention to is I really really like can't stress it enough. People are getting hacked all the freaking time right now because they are clicking on dumb links.

66. This sounds so stupid, but you will literally get a docu sign from somebody going contract needing revision and it's a fishing contract or like PayPal verify your email or your bank uh is this transaction fraud and then they make you panic cuz it's like somebody's stealing from you so you click the link and then you log in and you get scammed.

67. Never log in from an email. Like this sounds so basic but people do it all day every day. We just had a local HOA get hacked. They've been out for like 2 weeks. Like if you want to destroy a business, go click on links. It's just it's pretty bad. Uh and I think AI is just making it worse. So now some uh those are just, you know, some tips.

68. If you want to see more of my tips, you can always check them out on the daily wealth tab. Uh but I want to talk a little bit about YouTube. Also want to be a little bit grateful, by the way, for what you all are doing. I mean, we are raising money for House Hack through YouTube, which is insane. I mean, look at this.

69. I posted this at 12:00. These were just examples of inflows. I think some of these 10kers are people who like divide their 20k into two credit cards. I'm not sure about that. Uh but anyway, uh that could explain some of them. But anyway, like you know, this was just uh from the morning hours over here.

70. These were just inflows into house hack. And there's still inflows coming in because our poor broker dealer guy, he's so overwhelmed. He's like, I can't process all this. I can't approve all these people today. So, he says, you know, he promised he's like, I'll get them all done by Friday, but you know, cuz tomorrow's a holiday.

71. I'm like, okay. Uh, but anyway, deadline's supposed to be tonight at 11:59 for investing in house. Uh, but, uh, yeah, we have a broker dealer who has to do KYC and like make sure you're not like a known terrorist or whatever. Like, I guess people from Bulgaria can't invest. I'm like, are you guys that mad at Robin Hood or something?

72. You know, is this like a is this like a slate on or slight on uh Vlad or something? I I I don't understand. I mean, I I know I know Vlad turned off the buy button, but I didn't think he was that bad. But anyway, so um you know, thank you. We're really grateful for that. Uh and we think that's wonderful about House Hack.

73. And you know, we've been fulfilling a lot of the promises that we committed to. You know, for example, and then I want to talk a little bit about YouTube. You know, we promised that House Hack would never pay a dime of the plane. And my promise to myself was that I would always use the plane and pay the $250,000 a month or whatever it was for the plane.

74. It's roughly accurate. Uh and I would pay for that unless we didn't need it anymore. And you know, we bought real estate in different cities and kind of very well in my opinion diversified uh for the real estate that we have. It's over $65 million of real estate free and clear. No bank debt. House hack didn't pay a dime with a plane.

75. I got to learn how to fly. became a pilot, instrument rated, multi-engine pilot, jet pilot, rated for single pilot operations. Not that I want to do it, but it was rated for it. It's kind of cool, you know? I feel like I that was a cool chapter, but I don't fly enough to where if I don't fly enough, I don't feel comfortable being a pilot.

76. Like, that's not saying I'm a bad pilot. I think that means I know that the way to be a great pilot is by always flying because it is a fading skill. And uh that's very dangerous. And so if you're ever a pilot or with somebody who's a pilot and they're like, "Oh yeah, I haven't flown in 3 months. Here, let's hop on the plane and go somewhere." Uh-uh.

77. Okay. So, so anyway, u you know, maybe I'm just trying to be too conservative. Who knows? But uh you know, some other promises and then we'll hit some of the YouTube thing. You know, we we promised that we would release our AI app by December 31st. We did. We did exactly that. you know, now we have to fulfill our mission because we're only on visual AI.

78. Valuation AI isn't in yet, but we're building that and our time frame for that is by Q2, but like in the background, I'm like, what can we do to make this go faster? Like, I'm so excited, right? Because I want to I want to meet our promises. We promised to buy properties in Q4. We bought 11. Uh we already rent renovated and rented out five of them.

79. The others are in progress and they'll be done soon. We promised to develop ADUs. We're literally a week away from getting final sign off on our first two and those honestly will be like a nine cap. Uh like the ADUs where we got these built money, honey. So, we're really excited about those. Uh you know, those are those are in a very expensive area.

80. Uh we we also promised we'd lower expenses and that's I think how we you know, we managed to go EPS profitable as of December 16th. Again, the accounting for the rest of the year has to get done. I don't know how they're going to finish the accounting, but uh I I think it bodess well for all of 2026.

81. So, I'm very excited about that. That includes depreciation and interest, which is great. We got 15 mil in cash. Uh no bank debt or bank lines of credit. And what I'd like to do is uh promise a like conservative outlook uh for for what our plans are. So what I mean by this is not just on YouTube but also with house hack.

82. I want to treat this like Warren Buffett would like imagine if Warren Buffett were doing a tech startup and and like an investing real estate startup. He would not take a lot of risk. And I think that's what we're doing. That's how we're building it. We're building our AI based off of our experience and where we can leverage efficiencies in the best way possible.

83. And I think the team should be rewarded for that and I'm a big fan of that. So I'm really excited for the team we've built. Uh I also, you know, think that from a just market and hedging point of view, you know, I maintain that I think it's prudent to limit your debt or diversify away from single stock risk.

84. I had the use carry people actually email me and they're like, "Hey, thanks for all the referrals or activity or whatever from from your affiliate link. I'm not trying to uh you know what's it called? Uh uh or was it cash? Was it used carry or cash or both of them? Oh, use cash. That's what it was. Use cash.

85. Ah, that Yeah, that's right. I I screw up the names. Uh but um you know, they're they're the company that lets you diversify from like one stock into an ETF. And I'm like, damn, that is brilliant. Like I wish I wish I could have built that back when I was like doing my broker dealer licensing and stuff like hell yeah guys I'm a big fan of this.

86. My affiliate link for them is meetke Kevin.com/cash. That's uh c a c h e like a cache of weapons. But anyway, yeah, they emailed me. They're like, "Oh, thanks, bro." And I'm like, "Yeah, sure." But uh no, I actually think it's a brilliant product. They've got cool things here. So, uh, I think this is smart, but I'm not saying it to pitch them because like I've never used them.

87. I want to be clear about that. I maybe I'll use them in the future. I do think I'll use them in the future, but uh, but I don't know. So, I I want you to go into that knowing that clearly. But the reason I mention is just a way to say like I think it's a good idea to diversify and I think a lot of people aren't doing that because they're stuck because of taxes or whatever.

88. Like, you know, some of the people who are wiring us money, they're like, "Dude, we don't want to deal with tenants and toilets anymore." Like, you guys are a cashbased company. You guys have no debt other than a little bit of convertible bond debt. And you are doing wedge deals. So, you're buying, you know, below the market uh uh in terms of the real estate like the fixer upper single family real estate you guys are doing.

89. We love this. And it's a way for us to diversify without having to do the tenants and toilets. I'm like, "Yeah, that's that's the point." So, I couldn't be more excited about what what we're building here with real estate, but I also know real estate isn't for everybody. So, that's why I'm like, hey, that product could could be fun for people to who are really concentrated to say, hey, you know, we're we're going to we're going to pull back some of that single stock exposure.

90. But, you know, I was showing this on my uh live stream earlier today and I just think it's valuable to see. But, I have this before and after of you've probably seen it before. I was going through this. This is just like an old sort of 70s house with a old shag carpet. I mean, the carpet's probably like 30 years old.

91. And you've seen pictures, I'm sure, of this before of the nasty kitchen. You know, this is always where people try to bag on on real estate investors and they're like, "Oh, you're just taking homes from people who want to live in them." And I'm like, "What? Who do you think is going to live in this property?

92. Like, nobody. You think we're just going to put server racks in this?" No. like this home is going to be turned into a rental for a family. We actually just rented out to a military couple and we're like, "Oh, this is this is really exciting." You know, we're a big fan. Now, some people are like, "Oh, I don't want to rent a military cuz they can break their lease at any point." And I'm like, "I don't care.

93. Military tenants are awesome. We're such a big fan of of renting to to Navy or military families. Like, hell yeah, dudes and gals. Like, y'all are amazing." But anyway, this this is uh this is just an example of a of a before here. And what we want to do is we want to give people a quality home, you know, something that's good.

94. So like we probably overspend, you know, we tear everything out. We clean up any problems. You know, on this one, we repaired roof problems. We repaired um uh siding issues on railings over the garage. We then fix the issues, take out any issues, red drywall, reumber where we need to. New flooring, new kitchen cabinets, brand new appliances, brand new front yard, backyard, brand new paint, brand new hardware, uh, you know, kitchens, bathrooms, like everything's gorgeous.

95. We even go in and like epoxy the garage. Like, who does that? Well, we do cuz we're trying to create more quality properties for people. And and this is why, like I say, capitalism can be win-win. you know, it doesn't have to be a thing where, oh yeah, you're, you know, some greedy landlord or whatever.

96. We actually think, you know, people are getting an amazing renovation here, uh, for for a very fair rent. If anything, we we think we actually under value our rentals because we would rather rent to a qualified tenant uh than than risk renting to somebody with maybe lower qualifications or certainly like sometimes we'll get applications where people will like fudge the numbers on their applications and it just doesn't align with their actual numbers and we're like uh no this is just another property that we're working on you know like this property I think will easily be a 20 to 24% wedge deal but I mean It's scary.

97. You know who wants to walk in this and deal with all the mildew and mold? I do. I love it. Like I walk in, I smell mold and all I I don't actually smell mold. I smell money. It's great. But yeah, I mean it's also like I'm so grateful because we've done all of this without uh venture capitalists, right?

98. Like anybody who's asked for a pitch deck, I'm sorry they haven't gotten it. I tell people I'm like, "Yeah, sorry. It's it's on the website." You know, people don't get it. And I'm okay with that, you know. So, we're so grateful we've been able to just do this fundra through really just YouTube and with y'all.

99. But I want to make some promises also for YouTube. So, some things I found on YouTube is you all really love the morning live streams. On average, we have about 3 to 4 thousand of you that watch the morning course member live stream where we analyze technicals, the day, catalyst, and of course, do our fundamental analysis and sometimes we'll do real estate analysis or answer your questions in the course member liveream.

100. People get lifetime access to that. Uh people have been in there since, you know, 2017 and they've had lifetime access to those which is great. You can get that at mekevin.com. But uh what I'd like to do is uh do the course member live streams, do our stock morning live stream. Still do that, but maybe a little bit less of like the day drama in the way of making content.

101. Like maybe less of the Carolyn Levit, although we haven't done a lot of that lately. uh and and we'll go a little bit deeper, do some more deeper dives on some of the news. Not always, you know, obviously if there's breaking news, I want to pop in and cover it, but um I'd like to get some more focus on some deeper dives.

102. I do think uh that'll be very valuable. Uh and so yeah, we'll have this final sponsor uh in this video here, but beyond that, the next focus is going to be focus on growing house hack, focusing on our artificial intelligence, growing it in a conservative way, fewer but more quality videos, and and really taking the extra time that I'm not spending trying to chase every news headline, and spending some extra time with family, which I really look forward to.

103. So, those are my updates and uh this is my last video for the year. Thanks so much for watching. We'll see you all .

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