In this episode, Russell Westcott sits down with real estate investor and strategist Christian Szpilfogel for a grounded, no-hype conversation about what it really takes to build sustainable wealth through real estate.

Rather than chasing appreciation or relying on market timing, Christian shares how he approaches real estate as a business — one where cash flow is the primary variable, risk is actively managed, and every acquisition has a clear and intentional plan for how it produces income.

Together, Russell and Christian unpack why negative cash flow is one of the fastest ways to destroy a portfolio, how inflation and debt can work in your favour when structured properly, and why selling assets too early often undermines long-term wealth.

This episode isn’t about shortcuts. It’s about certainty, discipline, and building something that lasts.

---

IN THIS EPISODE - Why cash flow is the foundation of every scalable real estate business - The dangers of speculation and appreciation-first investing - How to think about real estate as a deterministic business - Why negative cash flow accelerates failure, not growth - The role inflation and fixed-rate debt play in long-term strategy - Why selling properties too early can destroy wealth - How to build a portfolio that supports your lifestyle - The mindset required to scale intelligently across market cycles

---

MEMORABLE QUOTES “I don’t speculate with real estate.” “Negative cash flow is how you crash and burn.” “Cash flow allows you to scale.” “Selling is the worst thing you can do.” “Inflation destroys debt — if you structure it properly.”

---

COACHING & MENTORSHIP If this episode sparked clarity or challenged how you think about investing, you don’t have to figure out the next step alone.

Most investors don’t struggle because they lack motivation — they struggle because they lack clarity, focus, and a strategy that actually fits their goals and lifestyle.

If you’re looking for help starting, growing, or restructuring your real estate portfolio with an emphasis on real cash flow and long-term sustainability, reach out directly:

hello@russellwestcott.com

We’ll connect and see how we can help you move forward with confidence and intention.

---

FOLLOW ME ON THE SOCIALS Main Website: https://russellwestcott.com/ Instagram: https://www.instagram.com/russellwestcott/ Facebook: https://www.facebook.com/RussellAllenWestcott/ YouTube: https://www.youtube.com/@RussellWestcott Twitter: https://twitter.com/russellwestcott LinkedIn: https://www.linkedin.com/in/russell-westcott-8848b818/ Email: hello@russellwestcott.com Podcast: https://russellwestcott.podbean.com/

---

MUSIC CREDITS

Pax by Soulish Premium Beats LICENSE #8177579 YouTube ID: UVZNP3L4S9VNKPC7

The Old Tale by Magdalena Premium Beats LICENSE #8177663 YouTube ID: 1RFUK4VWLYRXDX2R

From East to West by Arthur Basov Premium Beats LICENSE #8413593 YouTube ID: FPVEHZMG3XNNWD1R

Impromptu in Quarter Comma Meantone by Kevin MacLeod (incompetech.com) Licensed under Creative Commons: Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/

Art of Silence V2 by Uniq

Fluffing a Duck by Kevin MacLeod (incompetech.com)

In this episode, Russell Westcott sits down with Calgary real estate leader and content creator Jared Chamberlain for a candid, wide-ranging conversation that blends personal adversity with market insight.

Recorded in the summer of 2023, this conversation begins with the moment that changed everything for Jared — a serious mountain biking accident in Whistler that resulted in a concussion, memory loss, and a long road to recovery.

What could have sidelined him instead became a catalyst for clarity, reflection, and a complete recalibration of how he approached health, business, and leadership.

From that reset, Jared and Russell explore what’s really happening in the Calgary real estate market, why Alberta is experiencing unprecedented migration, and how supply constraints are reshaping buyer behaviour. Jared also shares how his team completed over 300 transactions during this period and why YouTube became the cornerstone of their growth and stability.

This episode goes beyond real estate tactics. It’s a conversation about resilience, long-term thinking, avoiding hype-driven decisions, and building systems that support both performance and sustainability.

This is not market noise. This is lived experience and hard-earned perspective.

---

IN THIS EPISODE - The mountain biking accident that triggered a complete reset - Navigating concussion recovery, brain health, and performance - Why adversity often creates clarity — if you let it - How Jared’s team completed 300+ transactions during recovery - Why YouTube became the #1 business driver for his team - What’s really driving demand in Calgary and Alberta - The migration trends reshaping the market - Why supply is dangerously out of balance with demand - The rise of unconditional offers and buyer behaviour shifts - Common investor mistakes imported from other provinces - Why condos behave differently in Calgary - The importance of land, multiple income streams, and flexibility - How to think long-term instead of chasing hype

---

MEMORABLE QUOTES “I had to get so disturbed that I was forced to change — and it ended up being a blessing.” “Sixteen people are arriving for every one home being built. How do you not see the opportunity?” “YouTube built our business — but only because we were willing to be bad at it at the start.” “A rising tide doesn’t lift every boat you should be in.”

---

COACHING & MENTORSHIP If this episode sparked something for you — clarity, curiosity, or the realization that it’s time to take the next step — you don’t have to navigate it alone.

Most investors don’t struggle because they lack motivation. They struggle because they’re unsure where to focus, which decisions actually matter, and how to move forward without making costly mistakes. In a market that’s constantly changing, having a clear strategy and experienced guidance can make all the difference.

Across business, sports, and investing, the difference between average results and exceptional results often comes down to one thing: access to the right coaching and mentorship.

If you’d like to explore what that kind of support could look like for you, simply send an email to: hello@russellwestcott.com

We’ll connect and see how we can help you move forward with confidence and clarity.

---

FOLLOW ME ON THE SOCIALS Main Website: https://russellwestcott.com/ Instagram: https://www.instagram.com/russellwestcott/ Facebook: https://www.facebook.com/RussellAllenWestcott/ YouTube: https://www.youtube.com/@RussellWestcott Twitter: https://twitter.com/russellwestcott LinkedIn: https://www.linkedin.com/in/russell-westcott-8848b818/ Email: hello@russellwestcott.com Podcast: https://russellwestcott.podbean.com/

---

MUSIC CREDITS

Pax by Soulish - Premium Beats LICENSE 8177579 - YouTube ID UVZNP3L4S9VNKPC7

The Old Tale by Magdalena - Premium Beats LICENSE #8177663 - YouTube ID 1RFUK4VWLYRXDX2R

From East to West by Arthur Basov - Premium Beats LICENSE 8413593 - YouTube ID FPVEHZMG3XNNWD1R

"Impromptu in Quarter Comma Meantone" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/

Art of Silence V2 is by Uniq

Enigmatic by bensound.com Royalty Free Music: Bensound.com/royalty-free-music License code: 0XDXSVCDNZDXQ9H7 Artist: : Benjamin Tissot

Way Out West by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://www.twinmusicom.org/

It's Coming by Josh Kirsch/Media Right Productions https://youtu.be/CSQ0QLYbmis

In this episode, Russell Westcott sits down with real estate investor and business owner Christine Traynor for one of the most honest conversations of Season 5.

Christine shares the chapter of her journey that rarely makes it onto social media — losing her dream home, navigating financial shame, and starting over with a deeply negative net worth. She walks through the decisions that followed, including walking away, rebuilding her credit and confidence, buying businesses using creative financing, exiting multiple companies for cash, and eventually building a sizable real estate portfolio.

This conversation goes far beyond tactics. It explores the emotional weight of failure, the role of accountability and mentorship, and what becomes possible when you stop avoiding hard truths and start designing life on your terms.

This is not theory. This is lived experience.

---

IN THIS EPISODE

- Christine’s early real estate journey and first investments - How a renovation and septic disaster triggered financial collapse - The emotional toll of losing a home and starting over - Why shame keeps people stuck longer than the numbers ever do - The decision to walk away — and why it changed everything - Rebuilding credit, confidence, and momentum from ground zero - Buying businesses with no money down using creative finance - Exiting multiple companies for cash - Scaling a real estate portfolio - Why mentorship, proximity, and accountability accelerate results - Turning setbacks into leverage and long-term success

---

MEMORABLE QUOTES

“Your mess becomes your message.” “This can happen — it’s all available.” “Failure is not permanent. Avoidance is.” “Rebuilding doesn’t start with hustle. It starts with honesty.” “Surround yourself with people doing what you want to do.”

---

COACHING & MENTORSHIP If you’re serious about becoming a more confident and capable real estate investor, the biggest challenge usually isn’t effort — it’s clarity.

Most people don’t get stuck because they lack ambition. They get stuck because they’re unsure what to focus on next, which decisions actually matter, and how to move forward without making expensive mistakes. In a market that’s constantly changing, having a clear roadmap and experienced guidance can make all the difference.

Across business, sports, and investing, the gap between average results and exceptional results often comes down to one thing: access to the right coaches and mentors. The kind of guidance that helps you see around corners, avoid common pitfalls, and move forward with confidence.

If you’d like to explore what that kind of support could look like for you, simply send an email to: hello@russellwestcott.com

We’ll connect and see how we can help you move forward.

---

FOLLOW ME ON THE SOCIALS Main Website: https://russellwestcott.com/ Instagram: https://www.instagram.com/russellwestcott/ Facebook: https://www.facebook.com/RussellAllenWestcott/ YouTube: https://www.youtube.com/@RussellWestcott Twitter: https://twitter.com/russellwestcott LinkedIn: https://www.linkedin.com/in/russell-westcott-8848b818/ Email: hello@russellwestcott.com Podcast: https://russellwestcott.podbean.com/

---

MUSIC CREDITS

Pax by Soulish – Premium Beats LICENSE 8177579 YouTube ID: UVZNP3L4S9VNKPC7

The Old Tale by Magdalena – Premium Beats LICENSE 8177663 YouTube ID: 1RFUK4VWLYRXDX2R

From East to West by Arthur Basov – Premium Beats LICENSE 8413593 YouTube ID: FPVEHZMG3XNNWD1R

Impromptu in Quarter Comma Meantone by Kevin MacLeod Licensed under Creative Commons Attribution 4.0 https://creativecommons.org/licenses/by/4.0/

Art of Silence V2 by Uniq

Enigmatic by bensound.com Royalty Free Music License Code: 0XDXSVCDNZDXQ9H7 Artist: Benjamin Tissot