T.U.T — The Unwritten Teachings

Raj Tut
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T.U.T — The Unwritten Teachings is where timeless wisdom meets modern ambition. Hosted by Raj Tut, entrepreneur and founder of Storyboard Living, the show captures conversations with seasoned leaders, builders, and thinkers who’ve already walked the path and have the scars, stories, and lessons to show for it. No headlines. No hype. Just the unwritten truths about success, leadership, and meaning — shared by those who’ve earned them. New episodes every two weeks. Brought to you by Storyboard Living — storyboardliving.com. Follow @ItsRajTut on all platforms.

  1. 6D AGO

    Why Cities Will Start Dying Without Migration with Ness Sándoval, Professor at Saint Louis University

    In this episode, I sat down with Ness Sándoval, a Professor of Demography and Sociology at Saint Louis University and one of the leading voices sounding the alarm on population decline. Ness walks through his personal journey from growing up in a small, segregated town in Nebraska to becoming deeply focused on demographic trends and spatial inequality. His early exposure to contrasting environments and access to education shaped his perspective on opportunity, migration, and long-term societal shifts. We dive into the reality that population growth as we’ve known it is ending, driven by declining birth rates, aging populations, and reduced migration. Ness explains how this shift will fundamentally impact housing, economies, and entire regions—especially cities like St. Louis. He outlines why migration is now the only path to growth, why young people are the key to survival, and why many regions are unprepared for what’s coming. The conversation highlights both the risks of inaction and the narrow window of opportunity cities still have to adapt before long-term decline becomes irreversible. Connect with the Host Twitter: ⁠twitter.com/ItsRajTut⁠⁠ LinkedIn: ⁠⁠https://www.linkedin.com/in/rajtut/⁠⁠ Instagram: ⁠instagram.com/ItsRajTut⁠ TikTok: ⁠⁠https://www.tiktok.com/@itsrajtut Connect with the Guest LinkedIn: https://www.linkedin.com/in/ness-s%C3%A1ndoval-a42ba938/ Email: Sandoval@slu.edu Timestamps: 00:00 Demographic collapse warning  01:07 Guest introduction and background  03:00 Early exposure to inequality and education 04:20 Transition from pre-med to demography 07:00 Discovering demographic trends and data  08:50 Global examples: Japan, Russia, Middle East 11:00 The Great Recession as a demographic shock  12:30 Why population decline matters economically 14:00 Housing demand collapse and empty towns 16:00 Migration as the only growth solution 19:00 Why St. Louis is losing population  22:00 Attracting young people and “stickiness”  24:00 COVID’s impact on births and deaths  26:00 Pittsburgh as a case study 28:00 Housing shortages and policy resistance 30:00 Immigration and growth in suburbs 34:00 Schools driving family migration decisions 37:00 Best vs worst-case future scenarios 42:00 Aging population and economic strain  46:00 School closures and declining youth population 49:00 Midwest’s future opportunity for growth  52:00 Why St. Louis fails at storytelling 55:00 Tracking migration with IRS and cell data 01:01:40 Where to follow Ness and closing thoughts This podcast is brought to you by Storyboard Living. If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.com Connect with us at our Website:  https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/

    1h 5m

  2. APR 21

    A $1.5B Real Estate Bet on Aging America with Laurie Schultz, Principal & Co-Founder at Avenue, Viva Bene

    In this episode, I sat down with Laurie Schultz, Principal & Co-Founder at Avenue, Viva Bene to discuss how aging demographics are reshaping real estate and why traditional senior living is due for a major transformation. Laurie shared her journey from growing up in St. Louis to building a career across apartments, healthcare real estate, and senior housing. She has helped develop more than $1.5 billion of projects and now focuses on solving one of the biggest unmet needs in housing. We also talked about how entrepreneurship often starts long before people realize it. Laurie explained why many older adults do not identify with the traditional senior living model and how that gap created the opportunity for active adult communities. We broke down Avenue’s Viva Bene concept, which combines age-restricted housing, social connection, and preventive healthcare services. She also shared how AI is changing development, why construction labor remains a challenge, and how housing could eventually become part of healthcare reimbursement models. This conversation is a masterclass in spotting demographic trends early and building around real human needs. Connect with the Host Twitter: ⁠twitter.com/ItsRajTut⁠⁠ LinkedIn: ⁠⁠https://www.linkedin.com/in/rajtut/⁠⁠ Instagram: ⁠instagram.com/ItsRajTut⁠ TikTok: ⁠⁠https://www.tiktok.com/@itsrajtut Connect with the Guest LinkedIn: Laurie Schultz, CCIM Website: Avenue Development Company Updates: Avenue LinkedIn Timestamps for Key Segments 00:00 Why traditional senior living is changing 01:14 Introducing Laurie Schultz and Avenue 01:56 Growing up in St. Louis and first career steps 04:19 How entrepreneurship developed early 06:33 Entering healthcare and senior housing real estate 09:10 Aging in place vs moving to senior living 10:07 Building Avenue through medical office projects 14:31 Expanding into development, construction, and investment 19:20 How AI is changing real estate development 21:54 Why Viva Bene was created 25:21 Why St. Louis became the first pilot market 32:19 Early leasing success and expansion plans 37:23 Challenges facing senior living today 39:35 Designing active adult communities differently 44:21 Laurie’s day-to-day and long-term mission This podcast is brought to you by Storyboard Living. If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.comConnect with us at our Website: https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/

    47 min

  3. APR 7

    Why You Feel Exhausted, Stuck & Unhealthy with Sharnie Grewal, Functional Wellness Coach

    In this episode, I sat down with Sharnie Grewal, Functional Wellness Coach focused on helping women over 30 optimize their health through a root-cause, functional approach. Sharnie shares her journey from growing up in London to becoming a physical therapist and eventually transitioning into entrepreneurship after experiencing her own health struggles. What stood out to me is how her personal frustration with low energy and being told “this is normal” pushed her to challenge conventional thinking and build something that actually helps people feel better. We dive deep into functional medicine, the importance of addressing root causes instead of symptoms, and the biggest health mistakes people make—especially around sleep, movement, and food habits. Sharnie also breaks down how identity, mindset, and daily choices shape long-term health outcomes. Beyond health, we talk about the realities of starting a business, overcoming money beliefs, and building a life that aligns with both family and purpose. This episode is a powerful reminder that your health—and your life—can change dramatically when you take ownership of it. Connect with the Host Twitter: ⁠twitter.com/ItsRajTut⁠⁠ LinkedIn: ⁠⁠https://www.linkedin.com/in/rajtut/ ⁠⁠Instagram: ⁠instagram.com/ItsRajTut⁠ TikTok: ⁠⁠https://www.tiktok.com/@itsrajtut Connect with our Guest: Website: www.sharniegrewal.com Contact email: hello@sharniegrewal.com LinkedIn: https://www.linkedin.com/in/sharniegrewal/ Instagram: https://www.instagram.com/sharniegrewal/ Timestamps for Key Segments 00:00 Overcoming exhaustion and “normal” burnout 01:17 Introduction to Sharnie’s business and niche 02:05 What her health coaching business does 02:52 Growing up in London and early interests 03:53 Path into physical therapy 06:44 Personal health struggles as turning point 08:00 Discovering functional medicine 10:30 What functional medicine actually is 13:07 Leaving traditional healthcare limitations 15:20 Starting a business with no experience 17:20 Building a wellness community online 20:27 How her coaching process works 23:15 Biggest health mistakes (sleep, food, movement) 30:47 Gut health and nutrition fundamentals 34:28 Money mindset challenges in entrepreneurship 39:30 Rapid fire health insights and habits 42:04 Daily routines and non-negotiables 46:14 Final message: your body can heal This podcast is brought to you by Storyboard Living.If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.com Connect with us at our Website: https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/

    48 min

  4. MAR 24

    Why Cities Rise or Fall Based on Their Downtown with Steve Smith, Co-Founder at Lawrence Group

    In this episode, I sit down with Steve Smith, co-founder of Lawrence Group and founder of New + Found. Steve started Lawrence Group in 1983 in the attic of his home with just a few hundred dollars and a vision of building what he once called the “super firm” — a company that designs, builds, develops, and owns real estate. Over four decades, that vision has grown into a vertically integrated organization operating across architecture, development, construction, and hospitality. We talk about the mindset behind transformative real estate, including how Steve nearly went bankrupt on his first development, why he believes developers should lead change instead of chasing trends, and how the idea for City Foundry STL was born during a visit to Krog Street Market. We also break down the financing behind one of the most complex real estate deals in the country, how historic tax credits helped unlock massive redevelopment, and why investing in downtown St. Louis remains a mission larger than profit. Connect with our guest: Twitter: ⁠twitter.com/ItsRajTut ⁠⁠LinkedIn: ⁠⁠https://www.linkedin.com/in/rajtut/ ⁠⁠Instagram: ⁠instagram.com/ItsRajTut⁠ TikTok: ⁠⁠https://www.tiktok.com/@itsrajtut Connect with our guest LinkedIn: https://www.linkedin.com/in/steve-smith-faia Lawrence Group: https://thelawrencegroup.com New + Found: https://newandfound.com  Timestamps for Key Segments 00:00 The moment City Foundry was conceived 02:15 Introducing Steve Smith and Lawrence Group 04:19 Growing up in an entrepreneurial household 05:07 Deciding to become an architect at age 10 06:07 Starting Lawrence Group with $7,500 09:01 The failed development that nearly ended everything 13:00 Rebuilding the architecture firm and delaying development 16:06 The motorcycle museum that sparked new development 21:00 Learning historic tax credits and adaptive reuse 24:34 Creating markets instead of following comps 27:54 Studying other cities to inspire developments 29:27 The origin story of City Foundry STL 35:04 Environmental cleanup and the brownfield strategy 44:05 Financing one of the most complex deals in the country 48:54 Measuring success beyond financial return 52:16 Why Steve keeps investing in downtown St. Louis 55:02 Staying calm during crises and downturns This podcast is brought to you by Storyboard Living.If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.comConnect with us at our Website: https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/

    1h 2m

  5. MAR 10

    How Dr. Sonia Cajigal Is Rebuilding Allergy Care with Sonia Cajigal, Allergy/Immunologist at St. Louis Family Allergy

    In this episode, I sat down with Sonia Cajigal, an Allergy/Immunologist at St. Louis Family Allergy, to talk about her path from an accelerated medical program into allergy and immunology, and eventually into building her own private practice in St. Peters, Missouri. She has a strong clinical background, but what stood out to me was how intentionally she has built a more modern, flexible, patient-centered model of care. We talked about the difference between training to become a physician and learning, in real time, how to become a business owner. Sonia also shared how her own experience with allergies helped shape the way she thinks about patient care and innovation. We also went deep on what is changing inside allergy treatment today. Sonia explained oral and sublingual immunotherapy for food allergies, the difference between food allergies and intolerances, and why newer options like Quick-LI are creating a much faster path to relief for environmental allergy sufferers. Beyond the medicine, we discussed the business realities of private practice: choosing location strategy, managing overhead, handling insurance headaches, delegating operations, and deciding whether growth should mean getting bigger or becoming more specialized. One of the biggest themes from this conversation was that meaningful innovation often starts before the broader market fully accepts it. Connect with the Host Twitter: ⁠twitter.com/ItsRajTut⁠⁠ LinkedIn: ⁠⁠https://www.linkedin.com/in/rajtut/⁠⁠ Instagram: ⁠instagram.com/ItsRajTut⁠ TikTok: ⁠⁠https://www.tiktok.com/@itsrajtut LinkedIn: https://www.linkedin.com/in/sonia-cajigal-a3476616b Website: https://saintlouisfamilyallergy.com/ Practice Profile: https://www.mercy.net/doctor/sonia-rani-cajigal-md/ St. Louis Family Allergy — private allergy, asthma, and immunology practice in St. Peters — https://saintlouisfamilyallergy.com/ Timestamps 00:00 Food allergies, myths, and why treatment has changed 01:26 Sonia Cajigal’s medical background and accelerated training path 05:53 The moment allergy and immunology clicked 06:59 Why she chose to build her own private practice 08:11 The first steps to launching a medical business 10:12 Location strategy and why she opened in St. Peters 13:33 New allergy therapies: oral and sublingual immunotherapy 17:21 Success rates, patient comfort, and treatment goals 19:28 Environmental allergies, allergy shots, and Quick-LI 23:18 Equipment, technology, and evaluating new tools 26:31 Private practice vs. hospital systems 27:39 Why food allergies are rising 34:09 Food allergy vs. intolerance: what parents get wrong 38:15 What frustrates her most about the healthcare system 43:49 The biggest surprises of business ownership and her advice for founders This podcast is brought to you by Storyboard Living.If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.comConnect with us at our Website: https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/ #Podcast#Business#Healthcare#AllergyTreatment#PrivatePractice#FoodAllergies#Immunotherapy#MedicalEntrepreneurship Connect with the HostConnect with the GuestAssets Mentioned During The EpisodeTimestamps for Key Segments

    55 min

  6. FEB 24

    The Modular Construction Playbook for Attainable Housing with Mark Turnbull, Founder at Module Building Systems

    Mark Turnbull, founder of Module Building Systems, shares the journey of building an offsite construction company in Saint Louis with a mission to deliver high-quality, attainable housing at scale. Originally from Hamilton, Ontario, Mark traces his entrepreneurial roots from early real estate investments to a pivotal realization inspired by IKEA’s flat-pack model and Henry Ford’s manufacturing systems. After facing financial setbacks, including being nearly broke while pursuing the vision, he ultimately relocated to Saint Louis, leveraging relationships, grants, and creative capital structures to launch the company locally. The episode explores how winning a major startup competition and securing public-private support positioned the business for long-term impact. The conversation breaks down what Module Building Systems actually produces today—fully finished panelized wall systems that reduce construction costs and timelines while maintaining design flexibility. Mark explains why unreliable trades and process inefficiencies, not just materials, are the true bottlenecks in traditional construction. The discussion also examines a pilot housing initiative in North Saint Louis, the distinction between “affordable” and “attainable” housing, and the long-term vision for neighborhood-level revitalization without displacement. The episode concludes with insights on founder resilience, capital strategy, immigration pathways for talent, and leadership principles centered on mission, culture, and building trust. Connect with the Host: Twitter: ⁠twitter.com/ItsRajTut⁠⁠LinkedIn: ⁠⁠https://www.linkedin.com/in/rajtut/⁠⁠Instagram: ⁠instagram.com/ItsRajTut⁠TikTok: ⁠⁠https://www.tiktok.com/@itsrajtut Connect with our Guest: Website: https://www.modulebuildingsystems.com/ LinkedIn: https://www.linkedin.com/in/markwturnbull Timestamps: 00:00 Founder risk, grants, and being tested 01:30 Mark’s background and why Saint Louis 02:55 Early entrepreneurship and real estate snowball 04:06 The “IKEA + Henry Ford” construction insight 05:16 Going broke, rebuilding, and choosing the U.S. 06:25 First Saint Louis trip, North City, and mission clarity 08:37 How Arch Grants works and how he positioned to win 10:02 New Markets Tax Credits and relationship-driven capital 12:09 Bridge loan, state appropriation timing, and survival mode 13:27 ADHD, hyperfocus, and the entrepreneur’s mindset 16:39 What Module Building Systems builds (panelized “secret sauce”) 18:32 30% cost savings, 50% faster timelines, and who it’s for 20:37 City pilot: minimum 10 homes, factory opening, execution plan 26:55 Dropping out, recruiting experts, and building the team 30:08 Why modular startups fail: leverage, overbuild, wrong market 36:50 Defining “attainable” and quality standards for longevity 41:14 North Saint Louis realities, brick maintenance, and design tradeoffs 43:38 Community input, block-by-block progress, and equity (not displacement) 45:06 Canada vs U.S. entrepreneurship and the Saint Louis opportunity 48:08 Can housing innovate like autos—and what must change 51:22 Founder advice: perseverance, networking, and leading with “why” 01:03:42 E-2 visa strategy, hiring Canadians, and NIW pathway 01:06:55 The books and principles shaping Mark’s leadership This podcast is brought to you by Storyboard Living.If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.comConnect with us at our Website: https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/ #Leadership #Entrepreneurship #RealEstate #ModularConstruction #AttainableHousing #StLouisStartups #ConstructionInnovation

    1h 10m

  7. FEB 10

    The Leadership Shift Every Growing Company Faces with Rachel Wallis, CEO of Wallis Companies & Principal at The Sixth Level

    Rachel Wallis is a second-generation business leader, former CEO of Wallis Companies, and founder of The Sixth Level, a leadership and culture consultancy. During her tenure, Wallis Companies grew into a multibillion-dollar enterprise with fuel distribution, convenience retail, and car wash operations across the Midwest. Rachel is also the first woman to serve as President of the Missouri Convenience Store Association and is the co-author of The Sixth Level, a book focused on building thriving, human-centered organizational cultures. Her career spans hands-on operational leadership, large-scale acquisitions, board governance, and now executive coaching and consulting. In this episode, Rachel and Raj explore leadership through the lens of culture, people, and long-term sustainability. Rachel shares insights on mental health and leadership, emphasizing the importance of seeking coaching and support just as one would medical care. The conversation dives deep into the convenience store industry, including data-driven decision-making, branding strategies, and the evolution of gas stations into experiential destinations—highlighted by the growth of Wally’s. Rachel also walks through the strategy and relationship-driven execution behind Wallis Companies’ most successful acquisition, her decision to step away as CEO, and the personal clarity that followed. The latter half of the episode focuses on The Sixth Level framework, its four core principles, and why modern organizations must adapt to what Rachel calls the “human potential era.” The episode closes with reflections on intentional leadership, presence, and integrating work and life with purpose. Twitter: ⁠twitter.com/ItsRajTut⁠LinkedIn: ⁠https://www.linkedin.com/in/rajtut/Instagram: ⁠instagram.com/ItsRajTut⁠TikTok: ⁠https://www.tiktok.com/@itsrajtut Website: https://www.sixthlevel.com LinkedIn: https://www.linkedin.com/in/rachel-wallis-andreasson Book: The Sixth Level 00:00 Introduction and Rachel’s background 01:51 Childhood and the origin story of Wallis Companies 06:31 Growing up in the business and early lessons at home 09:23 How the business scaled and the industry shifted over time 12:28 Leadership principles: humility, people, and relationships 15:06 Organic growth vs acquisitions and pivotal early deals 20:01 Real estate strategy and fuel distribution explained 23:54 Rachel’s path inside the company and becoming a leader 29:48 How Rachel learned: MBA, peer groups, coaches, consultants 32:56 Mental health, coaching, and why leaders should seek support 34:11 Data, promotions, and “secret sauce” in convenience retail 36:36 Convenience stores as destinations and the evolution of the experience 37:12 Wally’s: concept, differentiation, and expansion plans 42:02 The 2016 acquisition: strategy, relationships, and execution 49:03 Stepping away as CEO and transitioning to a new chapter 53:12 The Sixth Level: the book, culture flywheel, and core principles 01:03:24 Generational engagement, hybrid work, and the future of leadership 01:07:18 Closing lesson: intentional leadership and being present 01:10:11 Where to find Rachel and learn more about The Sixth Level This podcast is brought to you by Storyboard Living. If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.com Connect with us at our Website: https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/ #Leadership  #Entrepreneurship #FamilyBusiness #BusinessGrowth #CompanyCulture #ExecutiveLeadership #WomenInBusiness

    1h 14m

  8. JAN 13

    What Actually Breaks Small Businesses (And How to Avoid It), with Shaun Hayes Entrepreneur, Best Selling Author, Speaker

    Shaun Hayes returns for his second appearance to share hard-earned lessons from a career that spans entrepreneurship, banking, and executive leadership. He’s an author and speaker who has built and scaled businesses, evaluated thousands of business plans, and brings a pragmatic operator’s lens to what actually makes companies succeed or fail. This conversation frames his newest book, The Green Choice, as a “gut-check roadmap” for newly minted and aspiring entrepreneurs who want real-world perspective rather than motivational slogans. Across the episode, Shaun and Raj unpack the realities founders face when leaving “the mothership” of corporate structure: execution over planning, the infrastructure “step function” that forces constant reinvestment, and why cash flow (not just profitability) is the true survival metric in years 1–3. Shaun highlights common failure points—especially leases, poor financing structure, misunderstanding cash cycles, and underestimating the psychology of managing people. He also emphasizes the importance of mentorship, disciplined frugality early on, realistic expectations of team motivation, and the need to build a results-oriented culture. The conversation closes with actionable personal rules: do the tasks you avoid before 9 a.m., and do one uncomfortable thing every day. Connect with the Host Twitter: ⁠twitter.com/ItsRajTut⁠⁠ LinkedIn: ⁠https://www.linkedin.com/in/rajtut/⁠ Instagram: ⁠instagram.com/ItsRajTut⁠ TikTok: ⁠https://www.tiktok.com/@itsrajtut Connect with the Guest LinkedIn: https://www.linkedin.com/in/shaun-hayes-7a613813/ Timestamps 00;00;12 Why founders misjudge how badly others want to win 05;27;52 Why most businesses fail because of leases 09;07;13 How Shaun can read a business by its margins and rent ratios 14;12;56 Why business plans collapse the moment reality hits 18;10;05 The infrastructure “step” problem when scaling 24;31;44 The hard truth: not everyone wants success like you do 28;13;14 Why cash flow matters more than profit 34;14;44 The mindset shift from hourly pay to long-term payoff 43;09;49 Location traps and how bad real estate decisions kill growth 59;17;55 Two rules for success: before 9 a.m. and daily discomfort #Entrepreneurship #SmallBusiness #BusinessStrategy #CashFlow #Leadership #Management #Scaling #Startups #Mentorship #Sales #PricingStrategy #RealEstateInvesting #Multifamily #PropertyManagement #Operations #FounderMindset #BusinessSystems #RiskManagement #BusinessFinance #Leasing This podcast is brought to you by Storyboard Living.  If you're looking to sell us a 40+ unit multifamily property in the St. Louis region, or another part of MO/IL, please email deals@storyboardliving.com Connect with us at our Website: https://storyboardliving.com/ LinkedIn profile: https://www.linkedin.com/company/storyboard-living/

    1 hr
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T.U.T — The Unwritten Teachings is where timeless wisdom meets modern ambition. Hosted by Raj Tut, entrepreneur and founder of Storyboard Living, the show captures conversations with seasoned leaders, builders, and thinkers who’ve already walked the path and have the scars, stories, and lessons to show for it. No headlines. No hype. Just the unwritten truths about success, leadership, and meaning — shared by those who’ve earned them. New episodes every two weeks. Brought to you by Storyboard Living — storyboardliving.com. Follow @ItsRajTut on all platforms.

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