After The Final Bell - EP 66 - From Ring to Reality: Building Wealth and Living Joyfully

Join this channel to get access to perks: https://www.youtube.com/channel/UCuddYHZED-yE-DBtImJRf0w/join Trevor's Instagram - http://instagram.com/trevor_does_it Mike's Instagram - http://instagram.com/mikegonzales1981 JR's Top Shelf Facebook - https://www.facebook.com/TheTopShelfTeam/ Connect with us on whatsapp - https://wa.me/17202974873 Click here to join our Discord - https://discord.gg/shtSJ6JSbV Mike Gonzales and Trevor O'Connor host "After The Final Bell - EP 66," a podcast that explores life after an "adrenaline-fueled career," fostering a sense of community involvement. This episode covers a range of subjects, from real estate insights to personal growth. The hosts delve into real estate with their guest, J.R. Chavez from Top Shelf Real Estate, highlighting the advantages of first-time homebuyer programs, government assistance, and down payment assistance. Chavez emphasizes that many individuals are closer to homeownership than they think, often just "one phone call away," with some programs even accommodating credit scores as low as 580 or 600. They also discuss the strategic benefits of investing in multi-unit properties like duplexes or triplexes for young buyers. These can be acquired with low down payments (around 3.5%) through FHA interest rate government loans, a common loophole for first-time homebuyers. This approach allows buyers to reside in one unit while renting out others, significantly reducing monthly expenses and generating supplemental income—a far more efficient strategy than owning multiple single-family homes, which incur numerous separate property taxes and maintenance costs. The conversation also touches on the lack of financial literacy education in schools and the societal reluctance to discuss personal finances. Beyond real estate, the episode explores the hosts' personal philosophies, particularly Trevor's evolving perspective on time and joy. He now commits only to activities that bring him happiness, actively eliminating "negative energy." Mike is praised for his direct approach of saying "no" as a complete sentence, a practice Trevor has adopted, recognizing time as an invaluable and finite resource. They also share anecdotes about previous guests, including an exotic dancer who transitioned into a promoter and pole fitness instructor, and a conservative female comedian whose presence sparked discussions about discernment versus bias. The hosts recount a highly informative episode with a former high-end car sales finance manager, who shared strategies for securing the best value when purchasing a vehicle. A brief mention is made of their "Mike and Trevor Try Things" series, where their attempt at pole fitness humorously disproved their initial assumptions about their physical prowess.