On this episode of Millennial Millionaire, Steven Cohen sits down with Kevin Dubois — Las Vegas native, lender at Harmony Home Loan, founder of Zenith Men’s, and longtime entrepreneur in the mortgage industry. Kevin shares how leaving the traditional college path and entering commission-based sales at 19 forced him to develop discipline, personal responsibility, and an entrepreneurial mindset. He breaks down today’s real estate and lending environment, why higher interest rates don’t necessarily mean there aren’t opportunities for buyers, and how VA loans, down payment assistance, and alternative financing can open doors most people don’t realize exist. Kevin also explains when using home equity and leverage can help build wealth — and when debt can become dangerous. Beyond money, Steven and Kevin explore fitness, discipline, eliminating distractions, the compound effect of small daily decisions, working with family, and creating a life built intentionally rather than by default. Kevin also shares how his experience in sales gave him the confidence to launch Zenith Men’s and begin building something completely outside the mortgage industry. This episode is about taking ownership of your direction, developing skills that create freedom, and learning to say no to anything that pulls you away from the person you want to become. ⏱️ Chapter Markers 00:00 – Leaving College, Entering Sales & Choosing a Different Path 06:20 – Risk, Comfort & Breaking the Employee Mindset 1 2:50 – The 2026 Real Estate Market & Opportunities for Buyers 19:30 – VA Loans, House Hacking & Benefits Veterans Should Know 22:15 – First-Time Buyers, Business Owners & Alternative Financing 24:45 – Why Sales & Communication Are Essential Life Skills 27:55 – HELOCs, Debt, Leverage & Building Wealth Responsibly 31:40 – Fitness, Discipline & the Habits That Create Success 36:05 – Stillness, Mindfulness & Redefining What Success Means 41:30 – Reframing Adversity & Building a Business With Family 44:15 – Creating Zenith Men’s & Turning an Idea Into Reality 48:10 – Kevin’s Advice: Say No, Lock In & Build the Life You Want If this conversation challenged the way you think about career, money, discipline, or real estate, like, comment, and subscribe for more in-depth conversations with entrepreneurs, investors, and high-level thinkers. Share this episode with someone who knows they’re capable of more — but needs to stop letting comfort and distractions decide their future. #KevinDubois #MillennialMillionaire #RealEstate #Mortgage #Entrepreneurship #FinancialFreedom #WealthBuilding #VALoans #Discipline #Sales #StevenCohen
