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. 6D AGO

    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
  2. 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
  3. 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
  4. 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. APR 15

    Unlock Your IRA: Alternatives Wall Street Doesn’t Want You to Know with Henry Yoshida

    Christine McCarron interviews Henry Yoshida about self-directed IRAs (SDIRAs), focusing on alternative investments beyond traditional stocks, bonds, and mutual funds. The discussion covers rules, opportunities, risks, and who benefits most from these accounts. Rocket Dollar manages about $12billion in assets and specializes in enabling tax-advantaged investing in non-traditional assets Main Highlights IRAs (created in 1974) technically allow almost all investments except two explicitly prohibited categories: life insuranceand collectibles ("show-off assets" like artwork, classic cars, baseball cards, rugs, antiques, gems, or certain metals). Providers often limit options to stocks/bonds/mutual funds because that's their business model—not because of IRS rules. With a self-directed custodian like Rocket Dollar, investors can access: real estate, private companies/funds, digital assets, real estate syndications, and private lending. Real estate rules (frequently searched topic): Private lending (fastest-growing segment): Other rules and risks: Who Benefits Most? ("Goldilocks" Client) Primarily ages 40-55/60 — stable mid-career, entering peak earning years, with meaningful retirement savings to diversify. Younger people should max employer 401(k) matches and build foundations first (higher contribution limits, tax deductions). Older investors use it for preservation/diversification amid volatility. SDIRAs are supplemental, not starter accounts — idealafter accumulating via 401(k)s. They help when markets drop (e.g., S&P context in early 2026) or for assets that "zig when stocks zag." Financial advisors who refuse to discuss alternatives (or demand all assets under management) may prioritize fees over holistic advice. Takeaways Self-directed IRAs unlock powerful tax advantages for alternative assets, especially real estate and private lending, but require discipline around prohibited transactions and disqualified persons. Henry emphasizes education, arm's-length deals, and using them for true diversification ratherthan speculation. Rocket Dollar positions itself as a facilitator/custodian (not deal recommender), with resources like a knowledge base. Connect with Henry: https://bit.ly/4rRuQuuSave $100 on your new Rocket account with this code: GetYourFill100

    36 min
  6. APR 8

    Add 20 Healthy Years with Zach Dancel

    The discussion critiques the traditional reactive healthcaresystem (symptom management via Big Pharma/insurance) and advocates for preventive, data-driven functional medicine to extend healthspan (quality years) alongside lifespan. Dancel rejects the idea that aging means inevitabledecline, pain, and disease. Traditional vs. proactive care analogy. People wait until "broken down on the side of the road" (like a car) before seeing doctors, then get only 7–10 minute visits with minimal labs once a year. Insurance and pharma profit from lifelong dependency on drugs, not cures or prevention. 80–90% of chronic diseases are preventable via lifestyle (sleep, movement/exercise, nutrition/food as medicine, stress management, community). Vision for longevity. Aim for high-quality life, not just longer decrepit years. With biohacks and advances, people today may reach 125–150 if they invest in the next 5–10 years. Dancel's motivation: being present for his three young kids and family experiences. He wants to "compress morbidity" — stay vital longer, then have a shorter, less painful decline. What sets Nava Health apart (12+ years, ~65,000 clients). Comprehensive testing (80+ biomarkers: hormones, thyroid, inflammation, gut, mold, Lyme, etc.), functional medicine providers + certified nutrition specialists (CNSs trained in food as medicine, unlike hospital RDs), and vertically integrated treatments (supplements, bioidentical hormones, peptides, weight management tools like GLP-1s as temporary aids only,IV therapies, hyperbaric, etc.). Telemedicine available; brick-and-mortar expanding. Not just diagnostics (e.g., Function Health) or advice — full personalized execution. Advice for listeners. Start with an experienced functional medicine provider (not new pop-ups) who spends 30–60 minutes, runs deep labs, and welcomes questions. Avoid doctors glued to "normal" LabCorp/Quest ranges (based on a sick population: 95% of Americans metabolically unhealthy, 70–71% overweight/obese). Insurance often fails preventive care; Nava shifted back to cash after insurers flagged their longer visits/more labs and withheld millions in payments. Common issues seen. Chronic fatigue pain, weight struggles, low libido/energy, poor muscle response — often tied to suboptimal hormones (critical for men and women; perimenopause starts 10–15 years before menopause). Hormones affect every cell and function; early optimization prevents issues. Traditional medicine spreads outdated fear (e.g., Women's Health Initiative used wrong synthetics on older women; old male testosterone studies were tiny/flawed). Modern data shows optimal hormonescorrelate with lower all-cause mortality and better prevention. Dancel's personal story. His mom became bedridden ~15 years ago despite top specialists (Johns Hopkins, etc.). Traditional docs offered quick prescriptions or "make her comfortable." Functional medicine (deep history, extensive labs, hormone/thyroid optimization, diet, IVs, hyperbaric) reversed it. She's now energetic and helps with grandkids. His dad sold a successful $200–250M debt business to found Nava — turning the mission to scalable root-cause care. Overall message: Reject average/sick-population "normal." Invest proactively in lifestyle + advanced functional care now for vibrant longevity. Share this with complainers in your life — better health starts with curiosity and better tools. Nava operates in 15+ states via telehealth (expanding). Fordetails: navacenter.com. Great listen for anyone tired of reactive "sick care." Connect with Zach: Website: https://navacenter.com/ Podcast Website: https://legacyandlongevity.com/ Youtube: https://www.youtube.com/@LegacyandLongevityPodcast LinkedIn: https://www.linkedin.com/in/zachdancel Instagram: https://www.instagram.com/zachdancel/?hl=en

    44 min
  7. APR 1

    From Thai Village to Wellness Franchise with Nuttha Goutier

    Host Christine McCarron welcomes Nuttha “Neata” Goutier, founder of Sabai Thai Spa. Neata grew up in a rural Thai village without running water or electricity, where healing through herbs, community, and daily practices was a normal part of life rather than a luxury.03:30 Neata explains what makes Thai massage unique: it combines pressure points, stretching, and breathing exercises. This leads to better results for chronic tension, improved flexibility, circulation, and overall muscle loosening compared to many other massages.10:00 Franchisees do not need to be Thai or former massage practitioners. Neata's system helps new owners skip the painful learning curve, mistakes, and setbacks she experienced over two decades. The franchise provides training, operations, marketing, HR, accounting, and cultural hospitality systems.18:00 With very little money (less than $1,000), she convinced a skeptical landlord to give her the keys by promising she would never miss rent. She started Sabai Thai Spa purely on a dream and vision.22:00 Neata emphasizes an immigrant entrepreneurial mindset: seeing opportunity, refusing to take “no” for an answer, and persisting. 26:00 Core philosophy: Strong belief in yourself, persistence, and understanding that life is a journey. Setbacks are temporary. “If you try and fail, at least you tried. If you try hard enough, you won’t fail.” She encourages everyone to follow their passion and purpose rather than fear loss.32:00 Power of community is central to Neata’s story and business. In her Thai village, despite extreme poverty, people helped each other build houses, harvest rice, and share meals without complaint—laughing, supporting, and connecting. Money wasn’t the focus; relationships were. She brought this into her business by immediately engaging with local schools, sports teams, events, and causes. Word-of-mouth grew naturally because she became part of the community.40:00 Modern life (phones, digital isolation) has weakened human connection, even within families. Neata urges people to get out, talk to neighbors, organize playdates, hikes, or workouts together. Community makes life more joyful and meaningful.48:00 Franchising & replicating success: Neata has systematized everything—operations, training (including cultural hospitality and core values), marketing, and support. Franchisees get a proven playbook so they don’t repeat her 20 years of trial-and-error. The mission is “caring for others” and helping people experience wellness journeys. Success still requires work, adaptability, and ongoing learning, but the painful growing phase is shortened.55:00 Ideal franchisee profile: A “people person” with a servant mindset who enjoys helping others (staff and customers) become better versions of themselves. You don’t need to perform massages yourself—you manage the team and engage with the local community. The business should align with your passion because it will become a big part of your life.1:02:00 – End Neata’s driving force isn’t money or number of locations—it’s the desire to add value, promote longevity, and help people feel better so they can show up kinder for their families and communities. She stresses self-care as the foundation (like putting on your own oxygen mask first). Small weekly routines create big impacts.Key takeaway (Neata’s closing advice): Believe in yourself. Find your passion and purpose. Take action today—not tomorrow. Plant the seed, water it consistently with persistence, and keep moving one foot in front of the other. Everyone has the potential to make their dreams reality if they don’t give up.The episode beautifully blends personal story, cultural wisdom, wellness insights, and practical entrepreneurship lessons, centered on community, mindset, and turning a simple village value into a thriving franchise opportunity.Connect with Neata: https://sabaithai.com/locations/ https://www.linkedin.com/in/nutthagoutier/ https://www.instagram.com/nutthagoutier/

    36 min
  8. MAR 23

    Facing Adversity? Just Keep Swimming with Athena Brownson

    Guest: Athena Brownson, Denver-based Real Estate Agent & Emerging Developer Host Christine McCarron welcomes Athena Brownson, a professional with over a decade of experience in Denver real estate and a background in interior design. A former professional freestyle skier, Athena’s life took a dramatic turn nine years ago when she began a grueling battle with Lyme disease and related autoimmune conditions. Her story is one of profound resilience, shifting from elite athletics to a fight for basic functionality. Athena also shares the origin of her name, honoring her Greek grandmother—one of the first female ophthalmologists on the East Coast. Carrying the name of the goddess of wisdom and war, Athena reflects this heritage through her fierce advocacy for her clients and her own health. Athena credits her professional skiing career for her foundational discipline. The sport taught her to manage fear, visualize success, and commit to "one more try." These traits became essential when a neck surgery triggered a systemic immune collapse. For years, tasks as simple as getting out of bed became monumental. During this dark period, real estate served as her "guiding light." The career provided necessary flexibility while offering a sense of purpose and human connection. Even when her physical world shrank, acting as a trusted advisor in her clients' largest financial transactions kept her anchored to the outside world. After years of feeling like a victim and noticing her illness-induced frustration affecting her professional relationships, Athena realized a shift was necessary. She moved from a reactive state to one of radical self-responsibility. Transformation didn't happen overnight; it was built on "micro-habits": Small Wins: Starting with manageable tasks like making the bed or a 5-minute walk. Compounding Growth: Embracing the idea of 0.5% weekly improvements rather than seeking instant gratification. Holistic Healing: Combining medical treatments with neuroplasticity work and EMDR therapy to move her body out of a chronic "fight-or-flight" state. This year marks Athena’s first significant recovery phase in nearly a decade. As her health returned, so did her ability to dream. While illness forced her into a "survival mode" focused on hospitals and transfusions, she has now returned to the high-level visualization she used as an athlete. She actively uses vision boards and sets audacious 10-year goals, including travel—which was previously impossible due to severe sensitivities. Athena notes that navigating darkness makes the light more precious. Her journey has transformed her into a more empathetic, patient, and self-compassionate person. The episode concludes with a message of persistence: "Just keep swimming." Athena emphasizes that growth rarely occurs in comfort; rather, it is forged through the curveballs life throws. Joy is found not by avoiding challenges, but by navigating through them with consistency and support. Overall Takeaway: Adversity is a catalyst for evolution. By blending physical care with mental and emotional work, Athena illustrates that the person who emerges from hardship can be wiser and more capable than the one who entered it. Connect with Athena: * Instagram LinkedIn

    37 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!