Get Your FILL, Financial Independence and Long Life

Christine Mccarron

One day I woke up and I was 50 years old. I don't know how it happened but it was pretty depressing. Especially since I had virtually no money saved for retirement and no clue what I wanted to be when I grew up. Now, I'm on a mission to create financial independence, financial FREEdom and - since I'm too old to retire early - a long, happy, healthy life! With the help of fascinating guests who are expert investors, holistic health practitioners, coaches and speakers, we tackle the tough questions like: Why? and How? Join me on this ride for your life!

  1. 1d ago

    Options Trading Made Simple with Rizwan Memon

    Subscribe to the newsletter: https://eyimbook.com/newsletter/Rizwan Memon is an experienced stocks and options trader with a 17-year track record in the financial markets. Starting his trading career at just 16 years old with $5,000, he has generated over $10.5 million in trading profits. Today, he leads RIZ International, a global financial education firm that helps traders worldwide build sustainable wealth and master high-income skills.Demystifying Options TradingThe conversation begins by addressing the common perception that options trading is overly complex. Memon clarifies that options are simply a derivative—a contract between two counterparties based on an underlying stock (such as Apple, Google, or Microsoft).• The Basics: One party agrees to buy an asset at a specific price ($X$), and the other agrees to sell it at that same price.• Visual Learning: While the underlying mathematics can feel like "rocket science," Memon emphasizes that using a practical, visual approach makes the concepts accessible to everyday retail traders.Advanced Strategies: Buying vs. Selling OptionsMemon highlights a major structural shift in the industry: sophisticated tools and market data that were once restricted to institutions are now widely available to retail investors.• Net Option Selling: While many online traders focus on buying options, Memon is a net option seller (writing/creating contracts).• The Edge: Selling options allows traders to collect options premium. Based on probabilities, this strategy offers a higher success rate and more consistent weekly income compared to the high-risk "death by a thousand cuts" often experienced when buying options.• Hedging: Hedge funds and major investors (historically including figures like Warren Buffett at Berkshire Hathaway) frequently use options, specifically put options, as an insurance policy to hedge large positions against short-term market drops.Understanding Market Mechanics: Short Selling vs. Going LongTo establish a foundational understanding of price discovery, Memon breaks down how traders capitalize on different market directions:• Going Long: Synonymous with buying a stock with the expectation that its price will rise.• Short Selling (Shorting): Legal market mechanics where a trader bets against a stock. The trader borrows shares from a brokerage (the custodian) to sell them at a high price (e.g., $100), aiming to buy them back later at a lower price (e.g., $90) to pocket the difference. Shorting involves a minor interest fee for borrowing the shares.• Simultaneous Positions: Traders cannot hold a simultaneous long and short position on the same stock in a single account, but they can use options to hedge an existing equity position.Fundamentals, Technicals, and Risk ManagementReflecting on his start during the 2008 financial crisis, Memon attributes his longevity to avoiding penny stocks and focusing on large-cap, reliable companies. For modern portfolio diversification, he combines two primary forms of analysis:• Fundamental Analysis: A cursory review of a company's financial health and key financial ratios without needing to be a forensic accountant.• Technical Analysis: Using charts and price action to observe historical price levels in relation to the broader economy.Key Takeaway: Ultimately, Memon defines his primary job not just as a trader, but as a risk manager. Controlling, defining, and embracing calculated risk is the core driver of profitability in the financial markets.Connect with Riz: https://www.instagram.com/rizinternational/

    42 min
  2. Jun 3

    Build a Business That Sells with Tyrus Shivers

    In this high-impact interview, Tyrus Shivers, founderof Legacy Wealth Capital Group, breaks down the exact architecture needed to turn a struggling small business into a scalable, investable asset.Shivers, a military veteran who has helped raise over $300M, reveals why 90% of small businesses fail to sell and how founders can engineer a "predictable exit." ## Key Takeaways: The "Legacy Boss" Blueprint 1. Kill Founder Dependency The biggest value-killer in any business is a founder who istoo involved. If the business can’t breathe without you, it’s not an asset—it’s an "expensive job." Shivers emphasizes that buyers want systems, not a superhero. 2. The 4-Year Exit Rule You shouldn't wait until you're burnt out to sell. Shiversrecommends a 4-year preparation window to clean the books, systematize marketing, and ensure "clean" financials. 3. Valuation Secrets: SDE vs. EBITDA Shivers demystifies why some owners get 6X multiples whileothers get 1.5X. 4. Stop Bootstrapping, Start Buying In a controversial take, Shivers advises entrepreneurs to stopstarting from scratch. 5. The "Mindset of Lack" Trap The biggest barrier to growth isn't capital; it's the owner’smindset. Many entrepreneurs limit their growth to "just enough" to pay bills or take one vacation. Shivers argues that to reach Generational Wealth, you must position your business to take advantage of massive government shifts (like the SBA’s $10M loan limit increases). ## Final Word: The "Data Room" Shivers stresses the importance of a Central Data Room.If you don't have your contracts, trademarks, IP, and 3 years of tax returns ready for due diligence today, you aren't running a business—you're running a hobby. "90% of businesses don't sell. They just go out of business. Don't let your hard work be a tragedy." How close is your business to being "investor-ready"? Connect with Tyrus: https://www.linkedin.com/in/tyrusshivers/ https://app.onesimplesuite.com/v2/preview/kDOQT5PdvVom8GklLjlq?notrack=true Watch the video: https://youtu.be/xan2FVaqX0U Subscribe to the newsletter: https://eyimbook.com/newsletter/

    39 min
  3. May 27

    Advanced Sales Persuasion Techniques with Paul Ross

    In this episode, host Christine McCarron interviews Paul Ross—an author, speaker, master hypnotist, and Master Trainer of Neuro-Linguistic Programming (NLP). Ross shares his unconventional background and explains how entrepreneurs can skyrocket their revenue by tapping into subconscious communication, subtle influence, and the power of suggestion. Ross’s journey began thirty years ago as a dating coach for men, helping them overcome trauma, body shame, and relationship anxiety using NLP. Redefining the Sales Mindset: Selling Decisions According to Ross, traditional sales training is outdated because it focuses heavily on the product or service itself. He argues that "nobody wants your product or service—they want decisions and good feelings about those decisions."Modern salespeople must realize that they are essentially "decision service technicians." However, modern prospects face unique psychological hurdles that sales professionals must navigate: Erosion of Self-Trust: The old sales mantra of "Know, Like, and Trust" is no longer enough. Salespeople must now guide prospects to trust themselves to make a good decision.Deservability Barriers: In high-ticket sales, prospects often struggle with unconscious barriers regarding whether they actually deserve the upgrade, investment, or luxury. Ross views overcoming this as a form of "healing work."Advanced NLP and Hypnotic Sales TechniquesRoss details a few of his core linguistic strategies that alter a prospect's state of consciousness, moving them away from resistance and toward a buying frame of mind.1. Staging the Prospect's ConsciousnessJust as a real estate agent uses home staging to make a property appealing, a salesperson must stage the prospect's mind before presenting an offer. Ross recommends using intentionally vague, relationship-building framing. Instead of saying, "Ask any questions about this plan," he suggests:"Before we begin our exploration together, I invite you to share the questions that naturally arise when a great decision is being made."Using the word "share" implies an established relationship, "exploration" removes pressure, and "great decision" plants a positive seed without triggering conscious pushback.2. The Pattern InterruptProspects act and object based on predictable, hardwired scripts. By using a pattern interrupt, a salesperson breaks that script, making the prospect temporarily suggestible and causing "objection amnesia." For the objection "I need more time to think it over": Ross counters with: "Have you ever taken a long time to think something over and it still turned out to be a horrible decision? Maybe it's not about time, but about clarity. For the objection "I'm interviewing other options": He counters with: "Have you ever had the experience that the more options you were presented with, the more confused you became, and the worse the decision you made?"3. Hypnotic Trance Phrases Ross highlights specific trance phrases—such as "find yourself," "discover yourself," and "allow yourself"—that bypass conscious resistance. For instance, asking a prospect how they might "find themselves coming to the conclusion that this feels right" triggers an effortless, internal psychological process. Application and Resources These subconscious communication tools are highly versatile and can be baked into video sales letters (VSLs), website copywriting, and stage presentations. Ross emphasizes that the person who provides the best diagnosis of a problem will always win over the person with the best solution, because consumers prioritize feeling understood. To help entrepreneurs experience these shifts firsthand, Ross offers his Invisible Influence Series, a free five-part PDF report containing actionable, 5-minute tips to boost sales confidence and handle objections. U.S. Residents: Text the word COMPEL to 411-321.International Residents: Text the word COMPEL via WhatsApp to 909-741-1321.

    46 min
  4. May 20

    Semper FI: Real Estate, Reps, and ROI with Keith Gillispie

    In this episode of Get Your Fill, Financial Independence andLong Life, host Christine McCarron interviews Keith Gillespie, a former active-duty Marine turned serial entrepreneur, real estate investor, and founder of REI Automated. Gillespie shares his journey from missing major milestones in his children's lives due to international deployment to buildingan expansive real estate portfolio that affords him complete time and financial freedom. Get the Newsletter: https://eyimbook.com/newsletter/ The Turning Point: From Active Duty to Entrepreneurship Gillespie’s breaking point came after missing thepregnancies of both of his children while deployed across 13 countries in the Marines. Recognizing the need to change his lifestyle to be present for his family, he turned to real estate investing in 2016. Within four and a half years, he built enough sustainable cash flow to leave the military. His entry into the industry was inspired by: "Rich Dad Poor Dad" by Robert Kiyosaki, whichshifted his mindset on assets and liabilities. Data showing that the majority of millionaires build wealththrough real estate rather than the volatile stock market. Investment Strategy: "Buying Right" vs. MarketTiming Gillespie strongly disagrees with the notion of trying totime cyclical real estate markets. Instead, he emphasizes "buying right" in any market environment by leveraging two forms of equity: Price Equity: Purchasing properties significantly belowmarket value (e.g., buying a $400,000 home for $200,000). Terms Equity: Structuring highly favorable financing termsthat justify paying market value or above. He illustrates this with his "million-dollar example"—agreeing to pay $1 million for a home, but only at a rate of $1 per day for a million days. Sourcing Deals & Underwriting Operating across 34 states, Gillespie utilizes PPC(Pay-Per-Click) Google Ads targeting 105 Metropolitan Statistical Areas (MSAs). He specializes in finding motivated sellers facing life-altering distress, including: Pre-foreclosure and bankruptcy Divorce and inheritance issues Tired landlords and health/safety concerns Business Optimization: Systemization and Scale Gillespie attributes his success to eliminating "Key Man Syndrome"—the vulnerability of a business relying entirely on its founder. By removing emotion and implementing rigid military-inspired processes, he has scaled his company to nine employees. The "Mickey D's" Method To achieve predictable outcomes, Gillespie mirrors the McDonald’s franchise model: maintaining highly consistent inputs to get consistent outputs. Every role and operational task in his company is documented through detailed Standard Operating Procedures (SOPs), written guides, and trainingvideos. Data-Driven Decisions and the Ray Dalio Influence Inspired by Ray Dalio’s book "Principles," Gillespie removed emotional bias from underwriting by coding his decision-making framework into a custom guided deal analysis app. This software allows novice investors to analyze properties and generate the exact same entry, exit, and pricing strategies that Gillespie would generate himself. Key Takeaways for Financial Independence Time Freedom: A properly systemized business allows the owner to step away. Gillespie routinely travels out of the country with his family while his business runs autonomously. Risk Mitigation: High-stakes investing requires educationand strict structural systems to combat financial loss. Process Over Emotion: Successful real estate investingrelies strictly on math, frameworks, and data-driven decisions rather than emotional attachment to properties. Connect with Keith: FREE GIVE for your listeners: https://playbook.reiautomated.io/?source=Keith&campaign=OFC.WEBSITE: www.reiautomated.io/demo SOCIAL MEDIA: https://www.facebook.com/Keith.Gillispie https://www.linkedin.com/in/keith-gillispie/https://www.instagram.com/keithg_reihttps://www.youtube.com/@reiautomated6000https://www.tiktok.com/@keithgillispie

    42 min
  5. May 13

    Navigating Syndication and Market Cycles with August Biniaz

    This podcast episode of Get Your Fill, Financial Independence and Long Life features August Biniaz, Co-founder and CIO of CPI Capital. We explore the transition from residential real estate to large-scale commercial real estate (CRE), the mechanics of real estate syndication, and current market trends such as oversupply and the future of office space. 🏗️ From Home Building to Private Equity August shares his journey from a real estate familyin Vancouver to becoming a prominent voice in institutional capital. After starting with fix-and-flips, general contracting, and spec homes (speculation-based building), he realized that scaling to high-rises typically takes generations. To expedite this, he pivoted to Real Estate Private Equity and Syndications. Biniaz emphasizes that the biggest hurdle for any realestate entrepreneur is capital. While the U.S. has highly liquid debt markets (banks and insurance companies), a sponsor must still bring roughly 30% equity to a deal. Syndication allows a General Partner (GP) to pool funds from Limited Partners (LP) to acquire assets that would otherwise be unattainable, such as $20–$30 million multifamily apartmentcommunities. 📈 Key Investment Concepts & Terms The transcript highlights several technical terms essentialfor modern real estate investors: Real Estate Syndication: A partnership where multipleinvestors pool their money to purchase a large property.Built-to-Rent (BTR): A growing niche in CRE wherecommunities of single-family homes are built specifically for rental purposes rather than individual sale.Loss-to-Lease: The difference (delta) between currentin-place rents and the higher market rates.Gain-to-Lease: A current market phenomenon where in-place rents are actually higher than what new tenants are being offered due to cooling markets.Concessions: Incentives used by landlords to maintain occupancy during an oversupply.🏢 The Shift in Asset Classes: Office vs. Residential The speakers discuss the "post-COVID" landscape of commercial real estate: The "Office" Crisis Office space has been hit harder than any other asset class.Biniaz notes that while newer "Class A" offices with luxury amenities (sushi bars, yoga studios) still attract tenants, older buildings with traditional cubicle designs are failing. Notably, only about 5% of older office buildings are viable for residential conversion due to structural limitations like plumbing, HVAC, and elevator placement. Multifamily and Oversupply Many U.S. markets are experiencing hypersupply. While this leads to flat or negative rent growth—which is difficult for investors—it benefits consumers through lower prices. Biniaz predicts a supply bottleneck in 2-3 years because new construction starts have "dropped off a cliff" due to high interest rates. 💡 Mindset and Investor Relations Biniaz candidly discusses the psychological aspect of raisingcapital. He initially felt like he was "begging" for money untila mentor shifted his perspective: providing an investment opportunity is a service that gives retail investors exposure to institutional-grade deals. He also highlights the importance of matching the communicator to the investor. While he focuses on analytics and spreadsheets for institutional players, his partner, Ava Benisaki, focuses on investor relations, connecting with people on a personal level to understand their "pain points" and long-term legacy wealth goals. 🏦 Conclusion: The Cyclical Nature of Real Estate The episode concludes by reinforcing that real estate is along-term play. Despite current headwinds—including interest rates, inflation concerns, and shifting labor demographics—the speakers remain "bullish." Real estate historically recovers from corrections (like 2008) and remains a premier vehicle for diversification and beating the market over a 10-to-20-year horizon. Connect with August: https://www.linkedin.com/in/augustbiniaz/www.cpicapital.com Join themailing list: https://eyimbook.com/newsletter/

    45 min
  6. May 6

    Reclaiming Life from Corporate Stress with Kirk Welsh

    In this episode of Get Your Fill: Financial Independenceand Long Life, host Christine McCarron sits down with Kirk Welsh, a former licensed architect who turned a mid-career crisis into a thriving entrepreneurial journey. Kirk is now the CEO of Housewarming, a specialized flooring company, but his path from a $40 million corporate project to business ownership is a masterclass in internal alignment and habitstacking. 🏗️ The Breaking Point: From Architecture to Ownership Kirk spent over a decade in the high-stakes world ofarchitecture. Despite the prestige, he found himself "misaligned." The wake-up call came during a grueling four-hour meeting on his son’s first birthday—a meeting about details that could have been handled in a 15-minute email. "I’ve dedicated a decade and a half to this profession,working on projects I would never own myself. I had nothing to leave my son." This realization sparked his career pivot. He didn’tjust quit; he began a mental and physical "exit strategy" byreclaiming his time, starting with a 5:00 AM gym routine to prove he could commit to himself before committing to a corporation. 🏚️ The "Horror Story" That Made the Man Every entrepreneur faces a "test from the universe." For Kirk, it was a real estate investment project in Detroit that nearly broke him. He gave $104,000 to a contractor who subsequently disappeared. Instead of retreating to the security of a 9-to-5, Kirk used this failure to learn about: Progress payments: Never paying too much upfront. Proper contracts: Ensuring legal protection is in place. Systems and oversight: Moving from "trust" to "verification." 🪵 Why Flooring? (The Strategy of Vertical Integration) Kirk’s choice of the flooring industry wasn't just aboutaesthetics; it was a savvy business move. As a real estate investor, he noticed that the "punch list" (the final stage of renovation) was always the most stressful. By owning a flooring company, he could: Design as an architect. Own equity as an investor. Control the finish as the contractor. This vertical integration ensures high-quality results and professional standards in an industry often plagued by a lack of integrity. 🔑 Key Takeaways for Career Changers Internal Alignment: Your intuition often knows you're in the wrong place long before your bank account does. Establish Boundaries: Both Kirk and Christine emphasize that "you teach people how to treat you." Whether in corporate life or real estate, setting boundaries is essential for survival. Systems Over Luck: Success in entrepreneurship isn't about working harder; it's about having the right systems and processes to hold people accountable. 🏷️ Frequently Searched Terms in this Episode: Financial Independence, Real Estate Investing,Career Pivot, Architect to Entrepreneur, Detroit Real Estate,Contractor Horror Stories, Vertical Integration, BusinessSystems, Work-Life Boundaries, and Flooring Trends. Kirk’s journey serves as a reminder that while the leapinto the unknown is terrifying, the risk of staying in a misaligned life is much higher. Connect with Kirk: https://meethousewarming.com

    34 min
  7. Apr 29

    Make Bank with Group Homes - Jim Boad

    In this episode of Get Your FILL, Christine McCarroninterviews Jim Boad about a non-conventional real estate niche: sober living and group homes. Jim has opened 14 homes in two years and now helps entrepreneurs navigate this high-impact, high-ROI business model. Key Concepts Sober Living vs. Inpatient Treatment: Jim clarifies that group homes are not detox centers or drug clinics. They are the "bridge" between professional treatment and long-term sobriety, providing a structured, co-living environment for those already clean. The Business Model: Investors can either own the real estateor rent properties to sub-lease (arbitrage). Boad emphasizes hiring external staff to enforce rules rather than relying on a "house leader" who lives on-site, ensuring a professional investor-level operation. Cash Flow & ROI: Unlike traditional single-familyrentals, group homes operate on a "rent-by-the-bed" model. Jim explains that a 5-bedroom house that might rent for $2,500 traditionally can generate upwards of $8,500 per month by housing 10 residents at $850 per bed. Funding & Grants: Most residents arrive with 2–6 monthsof prepaid rent from inpatient clinics or nonprofits. While state and federal grants exist, Jim advises against relying on them for startups due to high administrative hurdles. Zoning & ADA: Many believe special zoning is required,but Jim notes that addiction is classified as a disability under the Americans with Disabilities Act (ADA). This provides legal protections for residential group homes even in areas with "unrelated person" occupancy limits. Timeline & Highlights [00:01:26] What it’s NOT: A breakdown of the differencebetween inpatient clinics and the "bridge" of sober living. [00:01:59] Management Models: Why external management is superior to the "house leader" model for business scalability. [00:03:51] How the Owner Gets Paid: Discussion on statefunding, nonprofit referrals, and why high-quality operators focus on relationships with clinics. [00:06:33] The "Grant" Trap: Why startups shouldfocus on "hitting the phones" rather than chasing complex grant applications initially. [00:09:44] The COVID Pivot: Jim shares how the 2020 eviction moratoriums led him away from traditional rentals and toward the stability of group homes. [00:14:00] Two People Per Room: The psychological benefit ofpreventing isolation to reduce recidivism (relapse) and boost cash flow. [00:15:33] Dealing with NIMBY: Strategies for handlingneighbors and code enforcement by being a transparent, "best in the neighborhood" operator. [00:20:43] Zero Tolerance Policy: How operators handlerelapses and maintain the safety and integrity of the home. Final Takeaway The group home model offers a "mission-driven"opportunity for real estate investors to achieve significantly higher positive cash flow while solving a critical housing shortage for those in recovery. Success depends on building strong relationships with clinics and maintaining a strict, service-free residential structure. Note: Jim emphasizes that while the cash flow is"insane" compared to traditional models, it requires a commitment to the outcome of the residents to be sustainable and welcomed by the community. Connect with Jim: FREE Trial of my Group Home Accelerator program. https://www.skool.com/group-home-accelerator-9111/about Schedule a Free discovery session with me  https://jimboad.com/book-a-call Watch the video: https://youtu.be/uwkYNmLoW2A

    44 min
  8. Apr 22

    From Marines to Millions with Tim Street, FSBO Entrepreneur

    In this episode of Get Your Fill: Financial Independenceand Long Life, host Christine McCarron interviews Tim Street, Marine veteran, former real estate agent, tech startup founder, and CEO of Foolproof FSBO (For Sale By Owner). Tim shares how he left chasing commissions to help homeowners sell confidently without traditional agents and keep tens ofthousands in equity. From Marine Corps to Entrepreneurship Tim grew up with low self-belief in Detroit but transformedin the Marines, graduating top of his platoon. That experience taught him discipline, effort, and rejecting limiting beliefs — key traits for entrepreneurs. After the Marines, he became a federal air marshal but struggled with bureaucracy and unearned authority. He left that "safe" governmentjob (despite family warnings) for tech startups, drawn by a hunger for meritocracy and growth. He emphasizes: success comes from persistence, failingforward, and outworking others. "Show me a good loser, I'll show you a loser," he says. Entrepreneurs must embrace discomfort, build self-accountability (no boss kicking you out of bed), and create routines. Tim works ~80-hour weeks but attends family events, gym at 4:30 AM, and uses tools like RescueTime and AI (Claude) to manage shiny object syndrome. Key Advice for Aspiring Entrepreneurs Leaving the 9-5 Tim and Christine discuss translator roles between techexperts and normal people, the thrill (and trap) of early entrepreneurship, and balancing work with life (cruises included). Foolproof FSBO & Upcoming Book Tim now teaches everyday homeowners how to sell yourhouse without a real estate agent, saving $30,000+ in commissions. His step-by-step system creates bidding wars and professional results. He shares real stories of helping friends/family and spotting unethical industry practices. His upcoming book (with audiobook narrated by him) is apractical guide for: Take the 2-minute FSBO quiz at foolprooffsbo.com/quizto see if you're a good fit (or get a reduced-commission agent referral). Final Takeaways Biggest barrier to success? Limiting beliefs plantedby others or yourself. You're here for a reason — push limits, make the most of every day, and surround yourself with supporters. Find Tim on YouTube, Instagram, Facebook: Fullproof FSBO. Perfect for anyone searching: how to become anentrepreneur, leaving 9-5 job, Marine veteran success stories, FSBO tips 2026, sell house without agent, real estateinvesting, overcoming shiny object syndrome, or self-discipline for business owners. Connect with Tim & Take the Quiz: www.foolprooffsbo.com/quiz Watch the video: https://youtu.be/71yZs-Uf-nU

    39 min
5
out of 5
16 Ratings

About

One day I woke up and I was 50 years old. I don't know how it happened but it was pretty depressing. Especially since I had virtually no money saved for retirement and no clue what I wanted to be when I grew up. Now, I'm on a mission to create financial independence, financial FREEdom and - since I'm too old to retire early - a long, happy, healthy life! With the help of fascinating guests who are expert investors, holistic health practitioners, coaches and speakers, we tackle the tough questions like: Why? and How? Join me on this ride for your life!