What if you stopped waiting until retirement to start living? Chris Larsen, founder of Next-Level Income, made it his mission to achieve financial freedom after losing his father at a young age and his best friend at just 18. While building a successful career in medical device sales, Chris quietly built a real estate portfolio, starting with his first rental property at age 21 with less than $3,000 down. Over time, his passive income grew to the point where his paycheck became optional.

Today, Chris helps investors build wealth through commercial real estate investments across multifamily, self-storage, car washes, and senior housing, with more than $2 billion in acquisitions since 2016. In this episode, he shares the principles behind his new book, How to Be Financially Free by Forty, and the strategies he used to create financial freedom, lasting wealth, and a life lived on his own terms.

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What would it take for you to walk away from a guaranteed pension… and bet on yourself instead?F ormer United States Navy Chief Petty Officer Tim Kelly made one of the boldest decisions of his life: leaving the military four years before retirement eligibility to pursue true financial freedom through real estate, mindset, and high-performance living.

After spending 15 years leading under pressure in the Navy, he realized he wanted more than just security—he wanted freedom of time, freedom of choice, and the ability to build a life fully on his own terms. That journey led him deep into real estate investing, personal growth, and wealth-building strategies that ultimately helped him become involved in nearly 2,000 commercial real estate units.

Today, he serves on the Board of Directors for Active Duty Passive Income, is a certified High Performance Coach, and co-authored the bestselling book “Military House Hacking,” helping service members, veterans, and entrepreneurs create financial independence through disciplined execution and intentional living. We dive into military leadership, mindset shifts, building passive income, overcoming fear, and what it really takes to transition from a life of structure and certainty into entrepreneurship and investing.


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What does it take to lead at the highest level—in both the military and luxury real estate? Shaun Guardanapo is a Marine Corps veteran and Managing Broker of The Agency Reno. He shares with us how discipline, leadership, and strategic thinking helped him rise to the top 1% of real estate producers in one of the fastest-growing luxury markets in the country.

With more than $100 million in career sales and deep roots in the Reno–Tahoe region, Shaun brings a unique insider perspective on the explosive growth reshaping Northern Nevada—from luxury lakefront estates to emerging investment opportunities fueled by migration, business expansion, and lifestyle shifts.

Shaun shares powerful lessons from his time in the Marine Corps, how military leadership translates into entrepreneurship, and the mindset required to succeed in high-pressure environments where relationships, negotiation, and trust matter most. Whether you’re interested in luxury real estate, business leadership, investing, or personal growth, this episode delivers actionable insights, compelling stories, and a behind-the-scenes look at what it takes to build a world-class business while staying grounded in integrity and service.

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Mathew Owens is a CPA, real estate investor, and founder of OCG Capital. He shares with us the strategies behind building a real estate empire that spans more than 1,500 units, over 1,000 home flips, and more than $500 million in loans to investors. Matt has also raised over $200 million in private capital, giving him a unique perspective on what separates successful investors from those who struggle to scale.

We dive into his disciplined approach to investing, including the 200-point due diligence checklist he uses to evaluate opportunities and minimize risk before committing capital. Matt shares lessons learned from decades of experience as both an active operator and passive investor, offering practical insights on finding quality deals, raising private money, building passive income, and creating long-term wealth through real estate. This episode is packed with actionable advice from someone who has successfully navigated nearly every corner of the real estate investing world.

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What happens when a firefighter working 24-hour shifts decides to build a future through real estate? Thomas St. John, founder of North Corp Capital, who also worked part of his career as a mailman, shares hear how he went from serving his community to building a successful multifamily investment company with over 20 years of experience in the trenches of real estate.

Starting with his first duplex back in 2006, Thomas steadily scaled his portfolio and eventually created a vertically integrated operation complete with in-house property management. Today, through North Corp Capital, Thomas specializes in multifamily investing, asset syndication, and helping investors grow wealth through strategic, risk-conscious real estate opportunities.

We dive into the lessons he’s learned about leverage, scaling responsibly, managing risk, and building strong investor relationships over the long haul. If you’re interested in multifamily investing, creating financial freedom outside of a traditional career, or learning what it really takes to scale a real estate business sustainably, this episode is packed with practical insights and real-world experience.

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What if smarter property management—not just buying more properties—was the real key to financial freedom? Cameron Tope is the founder of Emerson Property Management, and also a real estate investor and entrepreneur who used rental properties to break free from the unpredictability of the oil and gas industry.

After seeing firsthand how unstable the corporate world could be, he began building a rental portfolio that would eventually allow him to quit his W-2 job and create life on his own terms. When he couldn’t find a property manager he trusted, he built his own company from the ground up. Today, he manages over 300 properties in Houston, owns more than 30 rentals himself, and successfully runs Emerson Property Management remotely—all while living in San Diego, California.

We break down how he scaled from investor to business owner, the systems that allow him to operate remotely, and why most landlords are losing money through poor management practices. If you want to build cash flow, create operational freedom, and turn real estate into a true wealth-building machine, this episode delivers the blueprint.

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We take you behind the scenes of our latest multifamily apartment acquisition—a 128-unit building we closed on for $6.6M—and break down every step of the deal: how we found and financed the property, the due diligence, the negotiation process, the renovation strategy, and the property's future. We share the numbers, projected challenges, and value-add opportunities that made this investment worth pursuing, while offering practical insights for both new and experienced investors. If you’ve ever wanted a firsthand look at how successful multifamily deals come together, this episode delivers a transparent, real-world blueprint for building wealth through apartment investing.

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Bree Hartman was a successful gym owner, but after attending a self-storage conference, she decided it was time to jump in with both feet into real estate. In her first 12 months she acquired 2 self-storage facilities, and operates across Sacramento, Louisiana, Tennessee, the Carolinas, and the Sunbelt States. She is also the founder of Self Storage School, where she helps investors and W2 employees find, fund, and buy their first cash-flowing self-storage facility. Her 5 year goal is to own 12 facilities by June 2029, while remotely managing non-manned locations and working just 20 hours per week.

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LEARN ABOUT REL FREEDOM & HEAR MORE REAL LIFE STORIES
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FREEBIES: DOWNLOAD YOUR FREE FREEDOM FOUNDATION BLUEPRINT
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