00:00 – Partnering with Momentum
Baseball analogy: aim for singles, harness the pitcher’s energy; leverage as momentum you can use.

02:23 – Leverage in Everyday Life
Employers, parents, and tech tools—how we already partner with existing assets to amplify outcomes.

04:29 – The Waterslide Analogy
Riding on engineers, builders, pumps, and physics; American business runs on leverage too.

06:47 – Debt vs. Leverage
Why consumer debt is harmful but asset-backed leverage can be beneficial; nuance beats slogans.

09:10 – The 30-Year Fixed Superpower
U.S. mortgage structure, amortization, stability; Dave & Holly’s portfolio growth via refis/sales.

11:29 – The Math of Multiplication
$250K all-cash (20% total ROI) vs. five financed properties (100% total ROI) over 5 years at 5% appreciation.

13:48 – Growth Phase vs. Payoff Phase
Use leverage to build, then de-leverage later; younger investors can accelerate timelines.

16:11 – Easier Entry: Your First Home
FHA example from Steve; equity stair-steps over decades; house hacking with a basement/ADU.

18:33 – Interest Rates: Use, Don’t Fear
Rates reflect risk; fixed vs. variable, 1980s context, and why we stick to fixed terms.

20:52 – Is Your Primary Residence an Investment?
Equity you never deploy is a locked safe; turn it into an investment by putting equity to work.

23:19 – The Worst “Investment” Framed
Thought experiment: why passive, locked-up home equity underperforms as a “savings plan.”

25:37 – Creative On-Ramps
Live-in flips (with caveats), duplex/ADU, family co-ventures; Lisa’s casita deal structure.

28:01 – The ROI Refi
Reframe refi costs as an investment; example of a 20% annual return via monthly payment savings.

30:15 – Principle-Based Leverage
Data > emotion; cash flow, cash-on-cash, reserves; when (rarely) a small negative can make sense.

32:41 – Micro-Wins & Action Items
Identify leverage you already use, find a positive leverage step, and reframe your primary residence.

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00:00 – Kevin vs. the “Hank Smith Jr. effect”: when imitation ruins authenticity—and what fixed it

02:24 – Seek the quiet applause of heaven; measuring progress, not people

04:47 – A recipe for despair: external validation and risky, look-at-me goals

07:04 – The Gap and the Gain: why measuring backward fuels momentum

09:27 – Ditch the scoreboard, grab a map: progress > points

11:48 – The net worth illusion: why income replacement is the real flex

14:11 – Steve’s Harley story: let real estate buy the toys

16:38 – It’s a Wonderful Life: getting out of the gap and into gratitude

19:00 – Client “Rand”: doors obsession → setback → sustainable singles

21:13 – Cash flow isn’t everything: mini profit centers and smarter tradeoffs

23:35 – John & Judy: 10-year journey, $2M equity, and a purpose-aligned plan

25:55 – Designing income with 1031s, refis, and right-sequenced moves

28:09 – Start now: micro-wins to economic independence

30:20 – The orchard model: seeds, seasons, and compounding growth

32:46 – Chapter recap + reflection prompts to reframe your progress

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Learn more about DFY’s done-for-you investing approach at dfy-realestate.com

Takeaways

• Stacking micro-wins creates large scale victories.
• The micro-wins mindset allows for joy in the journey.
• Celebrating small victories fuels motivation for larger goals.
• The Moneyball approach emphasizes data-driven decision making.
• Consistency in achieving small wins is more effective than aiming for spectacular outcomes.
• Swinging for the fences can lead to significant risks and failures.
• Understanding your investor type can tailor your investment strategy.
• Moneyball Real Estate focuses on low-risk, conservative investments.
• Economic independence can be achieved through gradual wealth accumulation.
• Evaluating your financial standing is a crucial first step.

Important Lines

• "What constitutes a micro win?"
• "Boring wins beat blaze of glory losses every time."
• "The journey to success is a marathon, not a sprint."

Episode Sections

00:00 Stacking Micro-Wins: The Path to Success

04:45 The Moneyball Approach: A New Strategy for Success

12:28 Boring Wins vs. Blaze of Glory Losses

18:10 Identifying Investor Types: The Road to Real Estate Success

22:45 Moneyball Real Estate: A Conservative Investment Strategy

37:16 The Power of Economic Independence: Building a Legacy

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Book a call with Kevin and see what your personalized real estate roadmap could look like.
👉 dfy-realestate.com

Email Kevin directly: kevin@dfy-realestate.com

Learn more about DFY’s done-for-you investing approach at dfy-realestate.com