The Fifth Quarter Show

Bilal Hanjra
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  • Entrepreneurship
  • Updated Weekly

What do the world’s most successful founders do when the pressure is at its peak? They win in the Fifth Quarter. 🏟️ In a world of loud "hustle culture," The Fifth Quarter focuses on the quiet moves, deep minds, and game-changing conversations that actually move the needle. Hosted by Bilal Hanjra, this show goes beyond the surface to reveal the grit, soul, and strategy required to scale a business in today’s landscape. Whether you are navigating the journey from $1M to $10M or building for the long haul, we bring you the blueprints of intentional operators who thrive when the stakes are highest. Just the moves that matter.

Episodes

  1. May 16

    5th Quarter Podcast Steve Harward Full Episode

    Steve Harward is the founder and CEO of Prime Corporate Services, a company he built to over nine figures in annual revenue. No paid advertising. No aggressive sales tactics. No cold outreach. Just relationships. In 13 years, he's gone from a barely-made-it-through-high-school kid from a trailer park to running a business that fields 400–600 one-on-one sales appointments a day — built on a philosophy he calls "Win by Giving." He started the company with his mom and two brothers. They're still there. He got up at 5 AM in Utah to be here. In this episode, we get into: "Win by Giving" — the philosophy behind a nine-figure company built entirely on relationships, and where it actually came from (hint: it's a trailer park in Utah and a single mom) What Win by Giving looks like on a Tuesday morning inside Prime — and why it's not abstract, it's operational "Heart spark moments" — the listening technique behind every major partnership Steve has ever built Why most people stay transactional — and the "dark rabbit hole" that keeps them there The dark season: divorce, two little boys aged two and three, a mattress on the floor, mornings he didn't get out of bed The strategic decision that saved him: renting an apartment with a bedroom window that looked directly into Prime's parking lot "I ran my support email for seven years — all the way up to $27 million in annual revenue. It would ding at 2 AM and I'd respond within seconds." Starting a family business with his mom and two brothers — including the UFC fights that broke out in the office The mastermind unlock: a $40,000 investment, a room called War Room, goggles off — walked in with 7 partnerships, left with 14 "I'm working harder today than I've ever worked in the history of this business" — what momentum looks like at nine figures His go-kart interview test: "I got two go-karts in the parking lot. Want to race?" "I lost 6,000 contacts overnight" — and the unexpected beauty he found in it Building trust at scale: his "love bomber," anniversary meetings that make employees cry, and why fake is the one word that will never be used in a sentence about him Nolan at Legoland: a nine-year-old tracks down a kid in a wheelchair to give him his stuffed animal — and what Steve says when Bilal asks about legacy The Randy story: chartering a helicopter, flying to Sugar City, Idaho, filming a dying man's last words as a gift — and the picture he still looks at on his phone Steve gets raw about the divorce that nearly took him under, the "dark rabbit hole" of transactional business thinking, and why he believes the people who've made his dreams come true create an obligation — not a comfort. We go deep on what it costs to give at scale, how to listen so well you know what matters to someone before they've told you, and what a nine-figure relationship business actually looks like from the inside. Move with clarity. Build with soul.

    1h 18m

  2. May 7

    How This Founder Made and Lost $1.2M By His 21st Birthday, Jeremy Newsome, RealLife Trading

    Jeremy Newsome is the founder of RealLife Trading, one of the largest trading education platforms in the world, teaching hundreds of thousands of people how to trade safely. At age seven, he watched Forrest Gump, sold blackberries door to door, saved $1,300, convinced his dad to match it, and bought Apple stock. That investment would be worth $40 million today. He turned $400K into $1.2M trading silver by age 20 — then lost it all on his 21st birthday. He's completed three Ironmans, co-hosts the Broke to Awoke podcast, and sits on the board of Aerial Recovery, the world's largest anti-human trafficking organization, which has saved over 8,500 children. In this episode, we get into: - How a seven-year-old watched Forrest Gump and saw a roadmap to financial freedom — "we don't have to worry about money no more" - The blackberry hustle: shirtless, no shoes, Georgia summer, $1,300 in Ziploc bags sold door to door - His dad's investing lesson that still holds: "If revenue is increasing, the stock price will go higher over time" - The $40 million mistake — selling Apple in 2000 and never reinvesting - Turning $400K of other people's money into $1.2M trading silver at age 20 - Buying silver at the highest price in human history with leveraged money — and losing $1.2M on his 21st birthday - "I didn't want to lose my dad's approval" — the spiritual root of why he held instead of cutting losses at $500K - "Financial freedom is second grade math repeated consistently" — 300 people x $167/month = $50K/month - Why triple partnerships never work — the math of two ganging up on one - "Don't give equity away" — the most expensive lesson entrepreneurs keep repeating - Paying $1,000/hour for a business coach when he was broke — and why it changed everything - "Money cannot buy a finish line" — why physical discipline is the key to trading discipline - 14,200 jump ropes in 14 hours straight — the migraine, the puke, and why he'd do it again - "The brokenness of any country is in direct proportion to the brokenness of its men" - Aerial Recovery: repurposing special forces veterans to save children from sex trafficking across 16 countries - 8,500+ children saved — the largest anti-human trafficking organization in the world - "There's no one else saving kids with their trading profits" — why he's playing a different game Jeremy gets raw about the father wound that caused his biggest financial loss, the business partner divorces that ripped out his heart, and why he believes most men are broken and settling. We go deep on the spirituality of money, why your happiness is a non-negotiable business strategy, and how he went from a kid who didn't want to worry about money to a man who uses trading profits to save children from trafficking. Move with clarity. Build with soul.

    53 min

  3. Apr 2

    Elk Ridge CEO, Lame Kinikini: The Creative Finance Playbook That Built a $75M Portfolio

    Lame Kinikini is the founder and CEO of Elk Ridge Investments, an alternative investment firm managing over $75 million across real estate, short-term rentals, creative finance, and asset-backed lending. He's closed more than 200 creative finance deals, built Elk Ridge into an eight-figure company in under five years, and now mentors over 100 students through his Fearless Investors community. But he didn't start with money — he started knocking doors. In this episode, we get into: - From $40K summers to six-figure seasons — how door-to-door sales at Vivint built the mental fortitude behind everything - "Tell me I can't" — the Michael Jordan quote on his wall and the mindset that let him close his first creative deal with zero experience - 50 properties in 5 months — the hockey stick that started with one bad deal he still holds today - Why his first creative finance deal lost him money — and why he calls it tuition, not failure - The 2023 crash: 48% supply influx, rates through the roof, burning cash month to month — and the pivot that saved everything - Creative finance as the cheat code — how a blended 4% rate across his portfolio made him profitable when everyone else was drowning - $1.4 million in quantifiable losses — and the unquantifiable cost of depression, firing people, and sleepless nights - "I've never been a depressed person" — the Thanksgiving he woke up and regretted it, and why he'll never dismiss mental health again - The wrong partner who almost derailed everything — and the right one who helped them pass last year's numbers by midsummer - "The cheapest you'll ever get great talent is today" — why tripling payroll doubled revenue - His dad's line: "When you don't give when you have nothing, you'll never give when you have everything" - Date nights as competitive advantage — why Tuesday and Thursday with his wife is his most dangerous business habit - "Money increases your capacity to serve" — the spiritual operating system behind the portfolio - Why enough stopped being about material things and became about legacy that never runs out Lame gets raw about hitting rock bottom in 2023, the depression he never thought he'd experience, and the business partner betrayal that almost broke him. We go deep on creative finance mechanics, why your spouse is your greatest business asset, and the moment he realized wealth was never about the portfolio — it was about how many people he could serve. Follow Lame: @lame.kinikini Move with clarity. Build with soul.

    58 min

  4. Mar 19

    "Once You Do This, You Become Unstoppable": Jess Mah, 9-Figure Founder & Venture Studio CEO

    Jess Mah built a six-figure business in middle school, dropped out of high school at 15, and at 19 became one of the youngest women accepted into Y Combinator. On paper, she was a Silicon Valley prodigy — Forbes and Inc 30 Under 30, venture-backed, scaling fast. But in 2012, the bank balance was heading toward zero, the product wasn't working, and she fired her team just to survive. She rebuilt inDinero into a hundreds-of-employees company at a nine-figure valuation, stepped out of the CEO seat on her own terms, and now runs a venture studio building companies across AI, fintech, and bioelectrical therapies targeting cancer. She's also the youngest graduate of the Harvard President's Program. In this episode, we get into: - Forbes 30 Under 30 while burning cash — the gap between perception and reality in 2012 "- I was bottom quartile intelligence, but the most creative and hardest working" — leaning into what you're actually good at - The Steve Blank advice that changed everything: people don't buy tools, they buy outcomes - Firing friends — why she's done it dozens of times across multiple companies and how she structures it differently now - "Even Fortune 50 CEOs tell me they should have fired that person a year earlier" — why no one outgrows this mistake - Stepping out of the CEO seat during COVID — and why she didn't lose her identity doing it - EMDR therapy as an entrepreneur's secret weapon — "You would be unstoppable" - Building from desire vs. brute force — how her approach to starting companies has fundamentally changed - The apprentice model: what she would have done if she couldn't start a company — work for Richard Branson for free - Why short-term relationships are like day trading stocks — you don't get compounding returns - Twice-a-week check-ins with every team member for the first 30 days — her highest-leverage use of time - Playing the long game: the people who look wrong on paper but work with you for 25 years Jess gets raw about the loneliness of being a kid programmer before coding was cool, the weight of public accolades when your company is dying, and the psychological game that separates builders who last from those who don't. We go deep on inner game — meditation, somatic therapy, EMDR — and why she believes 50% of entrepreneurship is working on yourself. She makes a compelling case that the founders who win aren't the smartest, they're the ones who build environments where everyone around them gets to create something awesome. Follow Jess: @jessmahofficial Move with clarity. Build with soul.

    1h 4m

  5. Mar 6

    Building The First AI Native Holding Company: Infinity Constellation CEO, Brennan Pothetes

    Brennan Pothetes is a fintech operator who built and sold Butter Insurance to Odeko, then got tapped to create something that's never been done before — the first AI native holding company. Infinity Constellation launched in May 2025 with $17 million, eight AI companies already post-revenue, and a thesis that the entire venture model is broken. He calls it Y Combinator meets Berkshire Hathaway. In this episode, we get into: - Why he believes too much capital has killed more companies than it's helped - "Headcount kills" — the core pillar that makes his CEOs solve with technology before people - One engineer built a marketplace system in 28 days that used to take 18 months and $20M - Y Combinator meets Berkshire Hathaway — why he took pieces of both and rejected the rest - Starting companies for $250K–$500K and getting to $1M ARR before deploying real capital - The biggest company in the portfolio: $300K invested, almost $6M in contracted ARR - 25% equity guaranteed at $1B EV — the incentive structure that aligns founders, investors, and LPs all the way down - Why he doesn't do one-on-ones — and what Jensen at NVIDIA taught him about information flow - The burnout story: 70+ cold calls a day for 8 months, couldn't get off the couch, and his wife asked "Do you want to be the CEO of an insurance company?" - "If you're burnt out, you're not loving what you do" — the controversial take on founder burnout - Speed is the ultimate moat — why he'd 100x his pace if he could - The $2 trillion service economy reshuffling for the first time in 200 years - Autonomous CEOs — the experiment he's already running - Planning for IPO, not exit — why Constellation Software and Berkshire are the models Brennan gets raw about selling a company he'd fallen out of love with, the identity shift from first-time founder to holdco CEO, and why the founders who win aren't the ones with the most capital — they're the ones who love the game. We go deep on incentive design, the trust curve of AI adoption, and why the tech moat every VC is chasing might not exist in 5 years. Follow Brennan: @brennanpothetes Move with clarity. Build with soul.

    1h 1m

  6. Feb 25

    From Broke BMX Rider to a Fortune 100 Exit: Ross Hamilton, Founder of Saving Homes

    Ross Hamilton is a former semi-pro BMX rider who turned a career-ending injury into a real estate empire — 50 rental properties by 24, all through creative financing with no money. He then built Connected Investors, the world's largest network of real estate investors processing $3B in monthly lending requests, and sold it to a Fortune 100 company. Now he's dedicating the next 20 years to Saving Homes — a nonprofit that provides interest-free grants to families facing foreclosure. In this episode, we get into: - How riding with Dave Mirra taught him the power of proximity before he ever made a dollar - Knocking on foreclosure doors at 19 looking like a 12-year-old — and why he kept going back - The fake business partner "Dr. Elliott" he invented to buy time on deals he didn't know how to structure - "Just get to the next telephone pole" — why knowing the next step beats knowing all the steps - No internet, no YouTube, no podcasts — learning real estate from Barnes & Noble books he couldn't afford to buy - Subject to deals and creative financing: how he controlled 30-40x his capital with almost nothing down - The nightmare tenant who faked a seizure in court, sued him for a dead body, and burned the house down - Building Connected Investors by solving his own bottleneck — buyer's list to tech platform - "Flip a property, add a feature" — bootstrapping a tech company with real estate profits - The B2B/B2C model that let him spend $1M/month in ads profitably from day one - Culture is not a buzzword — the moment he realized it after selling to a Fortune 100 company - Immediate commissions, $20K bonuses, and why 2.4% raises don't motivate anyone - The identity death of selling your company — and why he calls himself a "recovering capitalist" - Saving Homes: the self-sustaining nonprofit model that returns capital to save the next family Ross gets raw about building his fortune on other people's misfortune — the tension most real estate investors never talk about. We go deep on the promise he made to himself a decade before launching Saving Homes, the culture clash of integrating into corporate after an exit, and why real success came down to one word: gratitude. Follow Ross: https://www.linkedin.com/in/cirosshamilton/ Move with clarity. Build with soul.

    1h 5m

  7. Feb 19

    Preface Ventures Founder, Farooq Abbasi: How I Made 53x on a Single Seed Bet

    Farooq Abbasi is the founder and sole GP of Preface Ventures — a seed fund with 28% net IRR, placing him in the top 5% of all venture investors tracked by Cambridge Associates. He's deployed $90M into 100+ companies now worth more than $10B, with exits to Palo Alto Networks, Cisco, and Rocket Companies. His edge: backing immigrant and outsider technical founders at day zero — sometimes nothing more than a whiteboard and a thesis. In this episode, we get into: - Why Farooq invests before product, revenue, or traction — and what he actually looks for - The founder profile that outperforms: exited, immigrant, going bigger the second time - Why 20 concentrated positions beat diversification for seed-stage funds - The 3 questions he asks before writing a check — and what they reveal about a founder's soul - Funding R&D risk vs. go-to-market risk — why most VCs have it backwards - How to pitch a VC: pre-qualify, be radically honest, build your career reputation early - DX exits to Atlassian for $1B on just $3M raised - The Truebill story: a 45-second pitch in Vienna, two checks, and a $1.3B exit (53x return) - Backing a Black founder the room dismissed — who came back years later as his first LP - Being politely persistent with institutional capital for a decade - What he believes about venture now that he didn't believe when he started Farooq gets raw about the psychology of solo GP decision-making — the immigrant mindset that hits every time money leaves the account, the weight of friends' liquidity on your shoulders, and why failure still teaches. We talk conviction without guardrails, doing fewer things better, and why the founders who get backed again aren't the ones who won — they're the ones who operated right. Follow Farooq on LinkedIn: https://www.linkedin.com/in/abbasifarooq/ Move with clarity. Build with soul. Chapters 00:00:00 Intro 00:01:54 Investing at day zero — founder market fit and the dirty little secret 00:03:42 The Preface founder profile: exited, immigrant, going bigger 00:06:48 Concentrated 20-position fund vs. diversification 00:09:35 What actually creates a top 5% edge 00:12:14 LP base — 40 C-level execs from Delta, Spotify, PagerDuty 00:13:47 DX exits to Atlassian for $1B on $3M raised 00:17:40 Exits to Palo Alto Networks — pattern or luck? 00:20:31 The 3 questions Farooq asks before investing 00:23:07 Why radical transparency is rare — and why it matters 00:23:47 Funding R&D risk: why most VCs have it backwards 00:29:30 How to pitch a VC: pre-qualify, be honest, protect your reputation 00:32:10 Running solo: speed, weight, and the psychology of the solo GP 00:33:07 The moment that terrified him — immigrant mindset when money leaves the account 00:36:26 One out of 10 fails — how he thinks about loss 00:39:11 The Black founder the room dismissed — who came back as his first LP 00:41:20 First LP: a Pakistani Spotify co-founder 00:43:35 Truebill: 45 seconds in Vienna- $1.3B exit (53x) 00:50:05 Why passed-on founders become the best bets 00:53:11 Convincing institutional capital as a solo GP 00:55:37 Politely persistent for a decade — what that actually looks like 00:58:06 The quarterly newsletter that closed a decade-later LP 01:01:08 What he believes about VC now vs. when he started 01:04:29 Final words

    1h 4m

  8. Feb 12

    He Left Millions on the Table. His Next Exit: $100M, PMU Launch founder, Renato Fabri

    Renato Fabri co-founded PMU Launch, scaled it to over 1,500 med spa and salon clients, and exited for close to eight figures — all by 28. Now he's building Fabri Enterprise, rolling up home service brands with a $100 million exit in his sights. In this episode, we get into: - Why culture, not marketing or sales, was the real growth lever - The capacity mistake that sent a team member to the hospital and made his best one quit - Rebuilding his sales team 3x and client success team 4x over - How he went from $9k in 11 days to $84k/month by stepping into a blue ocean - The shift from 90-day contracts to 12-month deals that made the business sellable - The full exit process — broker valuations, 21 interested buyers, due diligence, and attorney negotiations - "I left millions on the table" — the retention lesson he learned too late - The post-exit identity void and what pulled him back - His $100M roll-up playbook for home service brands Renato gets raw about the seasons that almost broke him: 16-hour days, fulfillment crises, and the hard lessons of replacing yourself. We talk hiring when it hurts, de-risking for valuation, and why your next big skill comes from the work you don't want to do. Follow Renato: @renfabri Move with clarity. Build with soul. Chapters 00:00:00 The Hidden Growth Driver: Culture Over Sales 00:15:03 Hiring When It Hurts: The Revenue Trigger Strategy 00:18:22 The Darkest Season: Overloaded Teams and Hospital Visits 00:10:05 The Messaging That Printed Money for 18 Months 00:11:43 Common Scaling Beliefs That Keep Founders Stuck 00:35:35 The Shift That Created the Exit: Front End to Retention 00:39:14 Building to Sell: De-Risking for Valuation 00:47:33 The Exit Process: From Broker to 21 Interested Buyers 00:59:46 Post-Exit Identity Crisis and the Ferrari Purchase 01:04:41 Fabri Enterprises: The 100M Rollup Strategy

    1h 16m

  9. Feb 9

    From Bankrupt to a $526M IPO: The 80/20 of Business Success with Joe Stolt

    How do you go from having your business card declined at Whole Foods to leading a $526M IPO? In this debut episode of The Fifth Quarter, Bilal Hanjra sits down with five-time tech founder Joe Stolte. Joe pulls back the curtain on the "not-so-obvious" habits of high achievers and why most entrepreneurs fail to scale past the $10M bottleneck. Chapters 00:00:00 The Truth Behind a $520M IPO 00:01:25 The "80/20" of Business Success 00:06:10 Scaling Past the $10M Bottleneck 00:10:30 Why You Should Be Embarrassed by Your Product 00:15:00 The Whole Foods Story: Going Bankrupt 00:31:00 Environment Design & The Venice Beach Sanctuary 00:38:30 HRV & Physiology: The Ultimate Revenue Metrics 00:45:00 What Legacy Means to Joe Stolte

    47 min
  • 9 Episodes

About

What do the world’s most successful founders do when the pressure is at its peak? They win in the Fifth Quarter. 🏟️ In a world of loud "hustle culture," The Fifth Quarter focuses on the quiet moves, deep minds, and game-changing conversations that actually move the needle. Hosted by Bilal Hanjra, this show goes beyond the surface to reveal the grit, soul, and strategy required to scale a business in today’s landscape. Whether you are navigating the journey from $1M to $10M or building for the long haul, we bring you the blueprints of intentional operators who thrive when the stakes are highest. Just the moves that matter.

Information

  • Creator
    Bilal Hanjra
  • Years Active
    2K
  • Episodes
    9
  • Rating
    Explicit