The Flat Bill Investor

Josh Zieglowsky and Zach Spencer
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  • Investing

The Flat Bill Investor is where entrepreneurs learn to stop networking and start building real relationships that compound into wealth. Every episode is raw, specific, and built for people who are done talking and ready to move. Hosted by Josh Zieglowsky and Zach Spencer.

  1. 6d ago

    TFBIP | Ep 39 - Two-Time World Record Mountaineer Jenn Drummond on Failure, Pivots & the "Somedays"

    One day from the summit of K2 — three weeks on the mountain, a teammate just killed in an avalanche — Jenn Drummond turned around and walked down. "I don't want to teach my kids peaks over people." That decision cost her the entire climb: the money, the training, the window, all of it back to zero, on a mountain she says kills a quarter of the people who attempt it. She went back and finished it. Jenn Drummond holds two world records and had never slept in a tent before any of this started. She's a mom of seven who moved to Utah at 35 with seven kids under the age of eight and two thousand miles between her and everyone she knew. What set the whole thing in motion was a car accident she says she shouldn't have survived — and the realization that came with it, that she'd been building a life on external validation instead of internal. In this episode she and the guys get into what she's learned from mountains that transfers directly to building a business: why you climb a big peak multiple times before you ever summit it, why every step back down feels like failure and isn't, and why winning means coming home alive — which is also the question to ask before you launch anything. She explains the "grump dump," a journal where she writes down every failure and leaves blank lines underneath, then goes back months later to ask whether it was a failure or a pivot. Plus: landing on a Denali glacier with five people, 650 pounds of gear, and no porters allowed. Getting stranded in Russia when a missile closed the airfield and no American card would work. And the "somedays" list she's building a company around — because her grandma died, her dad was diagnosed with Alzheimer's, and a friend got cancer with a mountain still on his list.

  2. Aug 7

    TFBIP | Ep 38 - The Ups and Downs of Entrepreneurship - Jason Haugen of Black Jet Ventures

    Jason Haugen has bought and sold more companies than most people will work for. He grew up watching his parents run about forty of them — they helped start Costa Vida and owned the Utah franchises, and built a few hundred million dollars of commercial real estate in South Ogden. At 18 he went looking for his own identity in network marketing. By 2018 he and his dad had bought an RV dealership doing $12 million a year and making nothing on it. They made it profitable in twelve months, then ran it to $110 million. Then interest rates went from 3.25% to 11.5% with $59 million of inventory on the floor. $700,000 a month in interest. A bank that could call and ask for $2.5 million the same day, on the morning his CFO told him there was $100,000 in the account. Jason's answer to how he handled it goes back to a mountainside when he was 18, watching his father walk down to a brother everyone thought was dead and say four words that became the operating principle for everything after. He sold in 2024. Then came the part nobody warns you about: the identity was gone, the planes were gone, and most of the circle went with them. Also in this one: how a joke at a golf retreat turned into acquiring Wedge Golf, why Datos monitors 305 million people without storing a single record, what SOC 2 actually costs, and why he'd rather run a $100K-a-month company well than a million-dollar one badly.

  3. Jul 31

    TFBIP | Ep 37 - No Guest, Just Us: Business, Books & Real Life

    After 36 episodes of interviewing other people, Josh and Zach turned the mics on each other. What we're building, what we'd do differently, what we're reading, and what's actually happening at home. Josh gets into why he won't use the word "lost" — in sports or in business — and the story behind the hardest call he's had to make at ERC and the surprising aftermath. Zach walks through two and a half years running S2 Pickleball from four hours away, what a great manager can and can't do for you, and the community that grew out of a business — including a couple who met there and got married. Then the part most business podcasts skip: a 14-year-old calling her award-winning year "kind of mid," a dislocated knee days before tryouts, a private school rejection with no explanation, and a Kyrie Irving free throw that changed how one of our families talks about hard weeks. Books and shows mentioned: Wings of Fire · Project Hail Mary · The Comfort Crisis · The Human Connection (Cody Bateman) · Bluefishing · The Logo (Jerry West) · Soul Power · Suits Chapters: 00:00 — Cold open: how air conditioning built Phoenix 00:33 — Why there's no guest this week, and the new Mountain Green studio 05:00 — Passion business vs. necessity business: two and a half years into S2 07:20 — What changes when the owner isn't in the building 09:40 — Going from 1099 contractors to W-2 employees 10:30 — The community that didn't exist before 11:00 — 80 people had to go. All 80 volunteered. 12:30 — The Facebook group the former employees started 13:45 — Books, part one: Wings of Fire, Project Hail Mary, The Comfort Crisis 16:30 — Why we're all too comfortable 18:50 — The sixth-grade bike ride from Mountain Green to Morgan and back 21:15 — The Human Connection, and the follow-up habit it started 23:30 — Bluefishing and asking better questions 25:00 — What we're watching: The Logo and Soul Power 26:00 — "This year was kind of mid" 27:30 — A dislocated knee at the worst possible time 29:30 — Kyrie Irving, a torn ACL, and two words at the line 31:30 — Two state championships and a summer selling door to door 33:30 — The private school rejection nobody explained 34:30 — Charity: doing more than writing a check 37:30 — Why we're not taking June off this year

  4. Jul 23

    TFBIP | Ep. 36 - $20M by 21, Bankrupt Twice, One Door Every 6 Minutes — Jeremy Barker of Murphy Door

    He made $20M by 21. Went bankrupt twice. Now sells one door every 6 minutes. Jeremy Barker's story is one of the wildest we've had on the pod: → Created the metal frames used in Tuff Sheds — as a teenager → Was doing $20M/year top line by age 21 supplying Home Depot → Partied like a 21-year-old with $20M. Went bankrupt. → 2008 crash hit. Went bankrupt AGAIN. → Became a firefighter at Roy City. $762 every 2 weeks. House payment was $2,311. → Lived a full year in the extra-cab of his Dodge Dooley → Borrowed $24K from his neighbor John Porter to start Murphy Door → First door sold for $3,000 on a red-and-black website with green-screened fake photos Today: one door every 6 minutes, $60M+/year In this one we get into failure as a system, the Britney Spears analogy for why untested success breaks people, and the line I can't stop thinking about — "There's no firmer ground than the bottom." #murphydoor #entrepreneurstory #foundermindset #podcast #resilience #flatbillinvestor #thejoshz

  5. May 23

    TFBIP | Ep. 33 - From Refugee to Entrepreneur | Haysam Sakar’s Powerful Journey to Success

    In this powerful episode of the Flat Bill Investors Podcast, we sit down with Haysam Sakar, who went from being a stateless refugee in Egypt to a successful entrepreneur in the U.S.—building businesses in both the automotive and solar energy industries. Haysam shares his story of navigating citizenship challenges, making bold career pivots, and leaning into moments of serendipity that changed his life forever. From waiting tables in Times Square to running car dealerships and launching a commercial solar company, his path is anything but typical—and endlessly inspiring. 🔑 Topics Covered: Growing up stateless in Egypt and immigrating to the U.S. How a student visa call changed everything Climbing from rental cars to car dealership ownership Why Haysam left automotive to pursue commercial solar The power of relationships, faith, and saying yes to the unknown 💡 Whether you're an entrepreneur, immigrant, or dreamer—Haysam's story reminds us that resilience, connection, and faith in the process can lead to life-changing results. 🎧 Subscribe for more real stories of business, reinvention, and financial freedom from Flat Bill Investors. #HaysamSakar #FlatBillInvestors #RefugeeToEntrepreneur #CommercialSolar #ImmigrantSuccess #EntrepreneurJourney #SolarEnergyBusiness #AutomotiveIndustry #InspiringStories #Resilience #BusinessGrowth #AmericanDream #StartupStories

  6. May 23

    TFBIP | Ep. 32 - From Troubled Youth to RE Millionaire | Christion Sadler’s Journey to Success

    In this inspiring episode, real estate investor Christion Sadler opens up about his transformation from a troubled youth into a successful entrepreneur and innovator in the real estate industry. Raised by a single mother in a low-income household, Christion discovered early on that real estate ownership was the key to wealth and freedom. Instead of becoming a traditional realtor, he dove straight into investing, fueled by a relentless drive and early mentorship. 💥 What You’ll Learn: How Christion’s childhood shaped his real estate vision Why he rejected the realtor path and pursued investing directly Key lessons from mentors like Carlton Sheets & Robert Allen How he survived the 2008 housing crash with grit and creativity The vision behind PREIshare—a platform revolutionizing passive real estate investing 🎯 Featured Topic: Christion is now pioneering PREIshare, a platform that solves the liquidity problem for passive investors in commercial real estate. Learn how it's creating transparency and flexibility in an industry known for lock-in deals. 🔥 Whether you’re new to real estate or a seasoned investor, this episode is packed with wisdom, strategy, and motivation. 👉 Don’t forget to LIKE, COMMENT, and SUBSCRIBE for more episodes! Follow Christion on social media: https://www.instagram.com/christionsadler For all the swag you need: https://www.drip-swag.com/ #ChristionSadler #RealEstateInvesting #FlatBillInvestors #PassiveIncome #EntrepreneurJourney #PREIshare #CommercialRealEstate #FinancialFreedom #RobertAllen #Mentorship #InvestorStory #OvercomingAdversity

  7. May 23

    TFBIP | Ep. 31 - From Debt to Deals: Joshua Lindsey on M&A, EBITDA & Financial Freedom

    In this episode of the Flat Bill Investors podcast, Joshua Lindsey—business broker and mergers & acquisitions expert—shares his powerful journey from financial hardship to successful business ownership. Learn how early money struggles shaped his path, how he overcame consumer debt, and why understanding EBITDA is critical in evaluating business value. Joshua breaks down the real-world lessons of M&A, business turnarounds, debt management, and what it takes to succeed in business brokerage. Plus, discover his passion for teaching kids about financial responsibility, work ethic, and the mindset needed for lasting success. Whether you're exploring entrepreneurship, looking to buy or sell a business, or simply want better financial habits, this episode is packed with actionable insights. Follow Joshua Lindsey here: http://www.utahbusinessowner.com/ For all the swag you need: https://www.drip-swag.com/ #Entrepreneurship #FinancialFreedom #BusinessBroker #MergersAndAcquisitions #JoshuaLindsey #EBITDA #PersonalFinance #FlatBillInvestors #MoneyMindset #TeachKidsFinance

  8. May 23

    TFBIP | Ep. 30 - Redefining Masculinity: Presence, Purpose, and Brotherhood

    We sit down with Bryan Hurd—a devoted husband, father, and real estate professional—to dive deep into the journey of self-discovery, personal growth, and the Evolution Project: a movement empowering men to live with greater intention and connection. 🌱 Topics Covered: The power of presence in personal and professional life Navigating fatherhood and marriage with authenticity How entrepreneurship can drive personal growth The role of community in overcoming emotional isolation What the Evolution Project is and how it supports men aged 30–50 Embracing life’s challenges as part of your hero’s journey 💬 Brian shares how awareness, intentional living, and open dialogue help men evolve beyond survival—and into deeper purpose. 🔗 Learn more about the Evolution Project: https://www.myevolutionproject.com/about 📺 Subscribe for more honest conversations on growth, leadership, and life. Drip check! You gotta see this swag 🔥: https://www.drip-swag.com/ #FlatBillInvestors #BrianHerd #SelfDiscovery #PersonalGrowth #MensMentalHealth #TheEvolutionProject #MindfulLiving #EntrepreneurshipJourney #BePresent #RealTalk #MenSupportingMen #Hero’sJourney

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About

The Flat Bill Investor is where entrepreneurs learn to stop networking and start building real relationships that compound into wealth. Every episode is raw, specific, and built for people who are done talking and ready to move. Hosted by Josh Zieglowsky and Zach Spencer.

Information

  • Creator
    Josh Zieglowsky and Zach Spencer
  • Years Active
    2026
  • Episodes
    38
  • Rating
    Explicit
  • Copyright
    © 2026 Josh Zieglowsky and Zach Spencer
  • Show Website
    The Flat Bill Investor