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Welcome to The Legacy Investor Podcast, where we talk money, investing, business, and what it means to leave a legacy for generations to come. Hosted by Cameron Philgreen, this show dives deep into the intersection of entrepreneurship, investing, and legacy-building, all while keeping God at the center. Whether you're a seasoned investor or just starting out, you'll discover how to align your financial journey with your faith, grow wealth with integrity, and create a lasting impact for generations to come. Join in, as we explore practical strategies, real-world stories, and timeless biblical principles to help you honor God in every step of your journey.
We have not one, but two Rich Dad Advisors on the pod today, Garrett and Ted Sutton. If you don't know Garrett Sutton, you might have read Loopholes of Real Estate. I read it a few years ago or listened to it on Audible, if you count that as reading, which I do. It's an amazing book, and especially for beginners who don't know much about the tax advantages of real estate, super helpful. But we dive into a lot today. We spent a lot of time talking about LLC structure and why it's so important for real estate investors to get the foundation right for your business because you never know what might happen in the future what lawsuits might come against you no one wants that stuff to happen no one thinks it's going to happen to them until it does and it hurts a lot more if you don't have your foundation right and these guys uh spoiler will set up your foundation for only 6.95 I think people assume that paying for this kind of service and paying for attorneys is going to cost like multiple thousands of dollars, but 700 bucks for a foundation. I mean, who wouldn't pay at least $700 for a solid concrete foundation for their forever home, you know? So I think it's really important. And what a great service these guys provide. And got into some strategy, some tips and tricks, some tax loopholes that you can take advantage of. And hey, go buy their book. And also Ted is coming out with a brand new book, perfect for your middle school or high school student. I won't say the name of it, but you can find out at the end of the show. And without further ado, I'm going to stop talking. Let's bring on Ted and Garrett Sutton. Have a great day, guys. Bye-bye. All right, I got Garrett and Ted Sutton here on the Legacy Investor. How we doing, gentlemen? Good. How you doing, Cameron? We're doing good. Thanks for having us on. Awesome. So author of Loopholes in Real Estate, catch us up to speed on you guys as a father-son combo here, which is really cool. Both authors, Rich Dad advisors, catch us up to speed on just your story. How did you get involved with Kiyosaki and Rich Dad? And yeah, bring us to today. Great, well, so Cameron and I became associated with Robert Kiyosaki in the year 2000, just when Rich Dad Poor Dad came out and became popular, became very fortunate to be associated with him as the legal advisor for the Rich Dad Advisor Group. And that's how I came to write this book, Loopholes of Real Estate and eight others in the Rich Dad series. I've been working with Robert and traveling around the world with him preaching financial education for over 20 years. Along the way, Ted went on some of these trips and got to know Robert and what the Rich Dad Advisor group was about. Ted went to law school and he's going to be taking over the practice. So together at Corporate Direct, we provide LLC and corporate formation and maintenance. And that's really important. Once you set it up, you've got to maintain it or else you lose your protection. So Ted is going to be, he's been in the practice for what now, three years? No, is the next generation to provide these services for real estate investors like your listeners here. Yeah. So Ted, tell me, what do you feel like is the biggest value that you guys bring to real estate investors and individuals? Yeah, well, I think the biggest thing is that we're human beings who actually answer the phones. You know, there's a lot of no, I'm serious. Yeah, totally serious here. There's a lot of big name legal services in the real estate investing space. And their customer service is horrible. I mean, you know, they market themselves as being great providers. But when people get hooked, you know, they find out the hard truth. that they're treated more like a number than they are like an actual human being. And so we pride ourselves in being the asset protection connection. You know, we get everything set up right from the beginning. We can help you along the way. And if you have any questions, I mean, we're just a phone call away. We have a team of people who've been helping real estate investors for several decades now. And we're here to help. and we're happy to be a stepping stone on people's journey to financial freedom. Love it. So for anyone, I mean, every investor at some point has to set up an LLC. They have to set up legal protection. What are the biggest mistakes you see people making? And then we'll talk about what you guys do and how people can set it up right. But what are the biggest mistakes people are making when they're first setting up? It's interesting, Cameron. We're seeing one of the bigger mistakes now is people are relying on AI to prepare their corporate and LLC documents. We have seen AI prepared operating agreements for LLCs that are just horrible. If you went into a court of law, you would not be protected with these documents. You can't rely on what's coming out of a machine that is not practiced in the area of law. One huge mistake is relying on AI these days. Another mistake, Cameron, is people think they can do it themselves and they engage in the wrong taxation scheme. An LLC can be taxed however you want, as a disregarded entity, when it's just you, as a partnership, as an S corp, a C corp. And people don't understand the importance of selecting the right tax regime for your situation. And that's where, like Ted says, we answer the phone, we talk to you, we get you in the right situation. And, you know, we always say that do it yourself often leads to do yourself in. You know, DIY is DIY. And so you don't want to do yourself in right at the start. You want to protect yourself with a team that is going to understand the ins and outs of all this. Yeah, super cool. So I think one of the biggest hesitations for people is like, hey, if I can do this for... you know, 200 bucks myself. And, you know, and I'm just starting out. I don't even know if I'm going to continue doing this. Like, it's just one house. That's kind of how I started, to be honest, six years ago. It was like, oh, you know, I don't really know where this is going. And six years later, probably shouldn't say this live, but you know it's the same llc as it's always been and uh it might not be you know protected as well as it should be so so like what is the approximate you know like cost of all this and and give us the value behind the cost like why is it worth it because it is of course but give us kind of some of that info Well, we charge a flat fee of $695 and that includes everything. The filing of the articles, the preparation of a tailored operating agreement for your situation, the minutes, you've got to have minutes of those first meetings, the issuance of certificates. If the IRS comes to your house and they do on these field audits, And you don't have the certificate issued for your LLC. That is a strike against you. So we provide all of that for this price. And as well, we include the registered agent fee for the first year. So LegalZoom will charge X amount and then they charge a huge registered agent fee. And we're much more upfront about what our costs are, and it's not expensive to do it right. And so you can come to Corporate Direct, get a free 15-minute consultation, and we're happy to help you and create an affordable entity for you. Now, as to your situation where maybe your operating agreement isn't great, don't tell anyone, but we can help you clean it up. And so we do cleanup services because a lot of people are like you, Cameron. They just they didn't really think about it. And, you know, they know they need an LLC, but maybe it's not the best LLC in terms of protection. We can assist and we clean up LLC situations all the time. So it's not like you're locked in. to one uh operating agreement you can amend your operating agreement and make it more protective than it is now that's super cool i was just listening to uh i don't know if you guys know who pace morbia is but he was talking about how he he doesn't put his actual name on like if you try to find you know who's the owner of one of his properties like you will never be able to find his name do you guys feel like that's important like how important is anonymity in today's world Yeah, I mean, I think it's important to some people. You know, we have clients who are more comfortable listing their name on the Secretary of State's website. I mean, Pace Morby, obviously, he's one of the biggest guys in the real estate investing space. And, you know, because of that, he's more prone to being subject to a lawsuit. Now, it all depends on the state where you set it up in. You know, if you have a Wyoming LLC, they do not require members or managers to be listed on the Secretary of State's website. But here in Nevada, you need to list a member or manager if you have a Nevada LLC. And so we offer a service called our nominee manager service, which is where we list a nominee individual to list their name on the secretary of state's Web site in place of yours. I think protection is the most important thing, but privacy is number two. I think for some people, they're comfortable listing their name, but if you don't want to, then we offer that service. It does give you privacy, especially if you're a high net worth, high target individual. But here's one thing to know, Cameron, and I always prefer structure over stealth, right? I want you to have that LLC set up properly so when you walk into court, you can say, look, this is a Wyoming LLC. I have the charging order protection. The court will respect that people who engage in stealth too much. Here's the thing. If someone falls on your property, right they are going to sue the llc they don't care who the owner is they're going to sue the llc and you're going to find yourself in court so you can have all the privacy you want but if someone falls on your property they have the right to sue the llc and the ownership may or may not come out but these people who engage in stealth where can't find them or anything. The situation is if they fall on the property owned by the LLC and they can't find where the LLC is located, then they can go to court and get permission to publish notice in the newspaper to file the lawsuit. And you want to get that information to your insurance company as soon as possible so they can cover the claim. If you engage in these tricky little privacy structures and the insurance company doesn't get proper notice of the lawsuit, you can lose the you can lose the whole case. So we really want you to be able to get notice of a lawsuit so that you can get the insurance company to cover it rather than have a default judgment entered against you. So I always prefer structure a properly formed LLC over stealth. And on the internet, you see all these crazy ideas on how you can keep your name off the internet. And it doesn't serve people well, because when you get sued, you wanted to let the insurance company know as soon as possible. Yeah, that's super helpful, man. That's going to change somebody's life right there, that little anecdote. So tell me about, like, you guys, I'm sure, have stories of people that, you know, were not protected. Can you, like, without obviously sharing names and, you know, just like without uncovering people, like, can you share a couple stories? stories of times when you've been able to help someone or when someone, because it's easy for me or someone listening to be like, oh, this isn't that important. What are the really the chances of me getting sued? And then it happens. So tell me a few stories. Yeah. So I had a phone call with someone a few months ago, and it's interesting because they went to one of Garrett's seminars 15 years ago. It was a Rich Dad event. I think it was Garrett, Robert, Tom, a few other advisors. And this individual never set up an LLC to protect their real estate assets. And instead of using LLCs, they use a revocable living trust. And trusts are good to avoid probate, but they don't offer any asset protection. And so I remember hopping on a phone call with this individual and they got into a car accident with someone. Where they, you know, they were driving the car and they hit someone and that person ended up dying and. Unfortunately, this person held their real estate assets in a revocable trust, which provides no asset protection. And, you know, there are some promoters out there who recommend using these types of trusts for real estate. But, you know, at the end of the day, if they get sued, your personal assets are within reach. And so I had to tell this person, look, I'm sorry. I mean, you went to a seminar 15 years ago. You could have set up the LLC then and there, and they chose not to do so. Um, you know, bad things happen when you least expect them to. And so setting up this entity structure is really like laying the foundation. When you're building a house, you need to have it in place because bad things happen unexpectedly. And when they do, it's best to have them in LLCs to protect you. I mean, that individual was not expecting to kill someone in a car accident. And had they had LLCs like they should have done 15 years ago, they'd be much better protected. It's a very, very sad, horrible thing. But it really is important to have this protection from the beginning and to do it the right way. So I have a story, Cameron. I was giving a lecture in San Francisco and this lady had a duplex and she wanted to put the duplex into an LLC. I said, that's a great idea. In California, you have to pay a minimum fee of $800 per year. And she goes, oh, I can't afford that. And I'm not gonna set up the LLC. I go, well, that's your choice. And then I give another lecture in San Francisco about a year later, And she comes up to me and says, you know, I've been sued by one of the tenants in the duplex, and I'd like to set up that LLC now. And at that point, it's too late. You know, you have to structure this stuff ahead of a problem. You don't put the seatbelt on after the car wreck. And so it's important for your listeners to know that you really want to do this right at the start, because if you have a problem later, it's too late to set it up. Yeah. Well, I got to say, building a foundation for your house, so to speak, for only $700, you guys, that's worth it. I mean, you want to have a solid foundation, and these guys are going to set it up for $695. I'm not trying to make this whole episode an ad for you guys, but I'm just saying that's... That's amazing. So guys, do what it takes to set your foundation up right. If you're just getting started or even if you're already started and you need the cleanup model, which I feel like I might need to reach out to you guys about that. That's super cool. So let me ask you, how many LLCs does someone need? Like I have 25 properties. I'm just being real honest, transparent on this podcast. I have like 25 or 30 properties and almost all of them are under one LLC. Like, is that the way you should do it? Or should people have a different LLC for each house? Or is it a series, the series LLC? How do you guys do it? So we wouldn't put 25 in one. And here's the issue, Cameron. If you get sued over one property, they're suing the LLC on title to that property, which gives them the right to collect from that LLC, which happens to own 24 other properties. So we would prefer to see maybe two or three properties per LLC. It's a judgment call. It's really your call. I have clients who want only one property per LLC. That's their choice. But 25 properties in one LLC creates kind of a target rich LLC. And so maybe you do five in one. It's a judgment call. Now, as to the series LLC, the idea with the series LLC is you set up one LLC and then you have various series underneath it. that hold title to the property. And there are all these court cases saying that, first of all, the courts don't understand it. There was a case in Alabama. The court clearly didn't understand what a series LLC was. Some states don't recognize them. There's just a lot of gaps out there in a bankruptcy. If one series goes bankrupt, what happens to the rest of them? We don't know the answer to that. With separate LLCs, we know that it's just the bankruptcy for that one LLC. And so there's just a lot of unknowns with regard to the series LLC, and we don't set them up because of that. Wow, that's wild. So there's no court cases on series LLCs going bankrupt? That's just not a question we've answered yet. No, bankruptcy issue is not decided. That's wild. And then there was this case in Alabama where they had a Delaware series LLC operating in Alabama. Alabama did not have a series law and the court was clearly confused and there was no follow up, so the case must have settled. But the judges didn't know how to deal with a series LLC. For me, having a separate LLC per property or two or three properties per LLC, that I can understand. But this idea of a series LLC having underling LLCs that are separate and apart from each other, that to me is not asset protection. Yeah. Super helpful. So I got to ask, this is kind of, this might seem like a silly question for two, you know, two people that have passed the bar, but for what are like the risks, uh, that could happen on your property that maybe people can like mitigate against those risks. Like you mentioned, everyone talks about people falling. Like what are the times when someone falls and it's actually my fault? Cause if someone falls, but there's nothing, there's no like neglect. Then am I really at fault? And what are other examples of like something that could happen at your measly little two bed, one bath rental property that could happen that people can just keep an eye out for and maybe mitigate against that risk? So I have a couple. I mean, on the fall, if you are the owner of the property and there's a crack in the sidewalk or there's some sort of negligent hazard that the public doesn't see, you're going to be held responsible. And so insurance is always the first line of defense. and so we always want to have that insurance policy in place now here's a little wrinkle sometimes when you have an llc and you try and get insurance in the name of the llc they'll say well geez cameron that's a business entity we have to charge you a higher premium And so what you do is you say, okay, leave the insurance policy in my name, but list my LLC as an additional insured. And that way you'll have the coverage, uh, because we've had cases where people say that they own the property in an LLC, but they didn't get the LLC qualified as an additional insured with the insurance company. And the insurance company denies coverage because they say, well, we never insured the LLC. Insurance companies are always looking for ways to deny coverage. So if you have insurance and I recommend it as the first line of defense, you want to have the premium either in the name of the LLC or in your name, but the LLC is listed as an additional insured. Now, you mentioned another issue that is big out there, and that is mold. And people are always tenants are always looking to sue you for mold claims. And there are attorneys who specialize in this. And it's really a huge area of fraud. And so you don't want to have first of all, you don't want a bad tenant in there. But how do you know? And so you need to have that LLC in place so they don't sue you personally for these mold claims. which are easy to prove. And what are the damages? They're saying that they can't breathe for the rest of their lives. It's just you want to be The United States has gotten rougher in terms of people using the legal system to benefit themselves. And you just need to know that there are these, you know, serial lawsuit people, you know, these vexatious litigants that are out there suing. And if you're going to own a rental property, you've got to know that this type of person, the vexatious litigant exists within our society and you've got to protect against them. Dang, that is so helpful to hear. Yeah, I just put together a commercial property a few years ago. And the ADA, the American with Disabilities Act, they have representatives that go and help you. And their whole goal is to keep you from getting sued. Because there's literally people in New Jersey that will find out about some business down in Waco, Texas that doesn't have a ramp right or the bathroom doesn't open right or the sink, you know, and they'll like they can literally file suit against you without even having entered the premises. Right. Because they find out about it's just crazy. And that's like what they do. Right. It's like their job is like to go and sue people that don't have that don't comply with the ADA anyway. So it's super helpful. Well, why don't we talk about Loopholes of Real Estate, your book, which I read way back when, I don't know, probably, it's probably been five, six, how long? I don't know, five, six years ago. I listened to it on Audible. Great book. I mean, let's go there. Give us a few tips and tricks. You guys are amazing at just giving like quick, snappy tips and tricks that are super, super helpful for real estate investors. Give us a few loopholes that people can just go put into practice. It's January, 2026 tax seasons around the corner. Why don't we go to loopholes? Sure, well, loopholes are real estate. Loopholes were a way to escape something. And so we have tax loopholes that you can use to benefit your tax situation. Then we have legal loopholes that we need to close so that you are better protected. And so that's where the term loopholes comes from. And, you know, one of the strategies in there of loopholes of real estate that I really like is the 1031 exchange. You know, as you start your real estate journey, if you can buy that house and then move up to a more valuable property without paying any capital gains taxes, that's a valuable strategy starting out. And a lot of your listeners are buying that first house or duplex. And they should read loopholes of real estate to understand how the 1031 exchange can really benefit them. So that's one loophole that I like. Ted, what do you like in there? Yeah, well, I think another one is depreciation. And obviously, you want to talk to a CPA to see if it's right for you. But tracking the decreasing value of the property over 27 and a half years, that could be used as a great strategy to reduce your overall tax income. So, you know, there's that. I know bonus depreciations on the table, too, for certain types of assets. But, you know, those are just some of the tax advantages that you have. And then obviously the legal advantages are just making sure that your real estate structure is set up properly. So, you know, one LLC with the rental property, with the holding company in Wyoming to protect you when you're personally sued. So those are some of the strategies that are in there. We also like the equity stripping strategy where you've got a property that's free and clear and you want to strip the equity out. So you set up a Wyoming LLC to loan money or provide a line of credit to the title holding LLC in return for that line of credit. the holding entity gives the Wyoming entity a first or second deed of trust. And so someone looking to sue sees on the, on the County website that the property is fully encumbered or 90% encumbered. And so that's called equity stripping. And that is a really great strategy for a lot of our clients. That's amazing. That's a new one for me. I mean, I think most people, you know, know what a 1031 exchange is. Most people kind of can wrap their heads around depreciation and the, you know, the tax benefits there, but that, that one's an, I'm going to have to like re-listen to this and, and, and grapple with that. So that's really cool. Why Wyoming? What's the deal with Wyoming? Yeah. So, well, Wyoming, um, It's a great state to visit. I mean, I lived there for three years. The weather's a little extreme. You went to law school there. That's right. I went to law school in Laramie, you know, myself and Josh Allen a few years before me. You know, cold and windy. I mean, Laramie is a fun town. Weather, not the best. But when it comes to LLCs and asset protection, Wyoming has three distinct benefits. So the first is the cost. It's a very affordable option to set up a Wyoming LLC. It only costs $100 to set up and the annual filing fee is $62 a year. The second thing is the privacy benefit, you know, and so I'm sure Pace has a Wyoming LLC just because they don't require members or managers of the LLC to list their name on the Secretary of State's website. The third benefit is the charging order protection that Wyoming LLCs offer. So this is where you have your real estate entities beneath, you have them owned by a Wyoming LLC on top, and then you're above that. The benefit there is that when you're personally sued for whatever reason, I mean, the most common example is a car accident. If somebody sues you, you lose in court, they get a judgment against you. They can only get a charging order on your Wyoming LLC. They can't reach the rental property LLCs beneath it because you don't technically own them. You only own the Wyoming LLC. And the only way that they can collect from that Wyoming LLC is if you make any distributions out of it. So that's what a charging order is, is it's a lien on the distributions. But if you don't make any distributions, that person has to sit and wait for you to make them. And it makes it much more difficult for claimants to collect and attorneys hate it too, because they don't want to have to sit around and wait to get paid. You know, they'll just move on to the next case because, you know, they can hope ideally they would just get after the insurance money and take 35 percent. So it puts a lot of legal roadblocks in place whenever you're personally sued. And that's big, especially if you have a big real estate portfolio. Wow. Amazing. Guys, take notes and go chat with these guys and get it all set up in your LLC. You guys have Tenero. I saw your YouTube channel. You interview a lot of people and you hear about a lot of stuff probably, I imagine, kind of just ahead of the news cycle. So what do you guys see people investing in, even outside of real estate? What are just some of the new, I don't know, just kind of some of the new stuff that you're seeing people do? Well, yeah, we do have this free channel on YouTube called Tenero Official, and we just have free information. You know, I've been traveling the world with Robert Kiyosaki. Financial education is really important. And, you know, today as we're talking, silver is in the news. And most people are saying it's a warning sign that the dollar is declining. The only reason that silver is going up is because the dollar is being devalued. And so you're seeing a lot of people get into silver. Who knows where that leads? But I think the fact that silver is at $90 an ounce is a warning sign to everyone that something is out of whack because it's been $30 forever. And now all of a sudden it's at $90. And it's not like there's been a huge demand for solar panels where they need silver. There's been a concern about the value of the U.S. dollar. And, you know, sort of tying off of that, I've noticed an increase of people forming LLCs to hold title to their crypto. You know, Bitcoin in a lot of ways is like silver and gold because it's a finite asset. There's only going to be 21 million of them. And so we've seen an uptick in people coming to us to form an LLC, to hold title to their crypto and stocks and bullion and other assets like that. I think just with interest rates and the inventory, real estate's not as in demand as it was six years ago. And so with that, people are pouring their money into alternative assets like that. And so one reason they're going into an LLC is if you hold crypto in your individual name and you get sued and there's a judgment against you, they can call you into court and you're under oath. You got to tell the truth that I own crypto and if it's in your individual name, the court can order you to turn the crypto over to the judgment creditor. If it's in a Wyoming LLC, then all they can get is what Ted explained as the charging order, which is a lien on distributions. you may not distribute any crypto out of that LLC. So once again, the attorney who's on a contingency fee is waiting and they don't like to wait around. So we have a lot of clients putting their digital assets, crypto, Bitcoin, whatever it is into LLCs for the better protection. Super cool. That's pretty amazing, man. Wyoming. I've heard a lot about Wyoming LLCs, but mostly from Pace. You're right about that, Ted, but pretty cool. Okay, moving to, we call this the Legacy Investor Podcast because we want to be good stewards while we're here on Earth, and we want to leave a legacy for our family and future generations. So this is super cool. This is the first time I've had a father and son on the show. I'm curious from you, Garrett, what are some of the most important lessons about money, about assets, about investing that you want to pass on to future generations? Well, I want them to realize that everybody's path needs to involve acquiring assets, right? I mean, you can work day in and day out for your entire life. But as Robert Kiyosaki said in Rich Dad Poor Dad, You need to acquire assets along the way so that when you retire and you can't work, there's money coming in. Social security is not going to be there for us. And so you need to take steps on your own to acquire assets. And, you know, I will be passing assets to my three children, but at the same time, I want them to realize that they need to acquire these assets on their own. And Ted has started to do so. He's invested in some land in North Carolina and, you know, is starting his own investment journey, which I think is great. I encourage parents to talk to their kids about investing. Yeah. What about you, Ted? What are some of the lessons, the biggest lessons you've learned and that you want to pass on to future generations? Yeah. Well, I think consistency is key. I mean, I don't have a lot of assets right now. In 20 years, that'll change. I think it's important to just set aside a certain amount of money that you can use to invest. Robert calls that paying yourself first. So whatever your budget is, I know things have gotten more expensive nowadays, but just whatever you have on the top, it's important to set that aside to invest in stocks, real estate, crypto, gold, whatever you choose. So, you know, just doing that over time, having that money that can sit there and grow that you could eventually use to buy stocks, real estate, whatever else you need. I think that is a good thing, you know, just to be patient and start small. And then, you know, those baby steps will compound over time into something bigger. I love that. I got to ask, like, so for people, I mean, we're talking with two attorneys here for people that. you know, I run a coffee shop and most people get paid, you know, at a coffee shop or, you know, as a barista or a cashier or whatever, they're getting minimum wage. They're not, you know, they're making kind of just enough to get by. But if people have a little extra savings here and there, what are the best things for them to put that money into that, you know, they can't buy a house, they can't buy a piece of land. So at least at this point, but like what assets are you guys seeing people, hey, you know, you should go check this out. Well, I'm seeing silver, even though it's $90 an ounce. I mean, you could go into a coin shop and get silver. And that is going to be a hedge as the dollar declines. So silver is a very affordable asset. Gold, $4,500 an ounce, but to have an ounce of gold is good. You need some cash for reserves. just in case something bad happens. But I think just thinking about how do I start acquiring assets and acquiring the smaller assets like silver right off the bat will lead to bigger investments later. You just have to have that investing mindset. And keep your eyes open. See what's happening in your town or in your region. Understand what the economic forces are. What's the path of progress? Are people moving to the north? Should I buy land further out to the north? It's just paying attention to the economy. Yeah. That's super helpful. All right, as we wrap here, guys, this has been a great show. I'm super, super happy you guys came on the show. Thank you so much. I want to hear from each of you. What does leaving a legacy mean to you, both financially, spiritually, emotionally, familially? What does that mean for you to leave a legacy? ted yeah i think the biggest thing is just providing value to society um you know i think when you provide value first whether that is like personally in business whatever else i think that those returns on investments are really high so it's important to yeah value first and then potentially sales and other things second And I think if you lead with that, you lead with value first, you know, you'll get more wealthy. You'll have better relationships with people. I think you'll be more spiritually aligned with what you want to do. So I think just leading with value is the way to go. That's great. Yeah, I would echo on that. I mean, if you give, you'll get. In our business, we always thought about dealing, you know, benefiting the client first. The client comes first and then the money will flow after that. If you treat your clients well, that will benefit you in the long term. And that applies to a lot of lessons in life. If you are a good person, I totally believe in good and bad karma. If you're a good person, the benefits will flow. And it's it's it's kind of nice to be a good person. You know, it's just I don't like arguing with people. I don't get into arguments with people who are just so narrow minded that they can't even listen to anyone else. And so why suffer fools like that? If I can be positive with my clients, if I can help them achieve their goals, that for me is very satisfying. And in the end, it's rewarding. So good. Thank you guys for coming on the show. Tell us about your books. Tell us about Tenero and where people can find you, how they can work with you, how they can hire your firm to set up their LLCs. I think you're going to have some people inquiring. So Tenero is a YouTube channel that we started a few months ago and we just provide free financial education content there. So you can go there and subscribe. Corporate Direct is our main business, corporatedirect.com. You can schedule a free 15 minute consult to see how we can help you. And so those are the two main ones. I wrote Loopholes of Real Estate. I'll hold it up for the third time. And eight other, let's see, seven other books in the Rich Dad Advisor series. So that's been great because I've been able to do the print books and the audio books and people seem to like them. And then Ted is going to tell you about his new book. Yeah, come on, Ted. That's right. So I have a copy of it right here, but I don't want to reveal the cover quite yet because it hasn't been published. So the whole gist of the book is that it simplifies the law for middle and high school kids and even adults. But it's narrated by a dog. And so the dog's owner is a lawyer and he goes into work every day and he learns the law from him. And so with that, he teaches kids and whoever else the law. It's everything that I learned in law school. But it covers a lot of other important topics too, like contracts, property law, and civics, which are things that are relevant to real estate investing, as well as just the whole US government system, but they aren't taught in school. So it's called Greenback's Book of Law. The slogan is legal knowledge unleashed because it's a dog. And it should be coming out later this year. So be on the lookout for it. Greenbacks. I love it, man. That's going to be so helpful for so many thousands of people, middle school and high schoolers. That's such a valuable knowledge. Awesome, guys. Thanks so much for coming on. This has been an amazing show. Thank you, Legacy Investors, for tuning in. And thank you, Garrett and Ted Sutton, for tuning in and joining me today. We'll see you guys next time. Our pleasure, Cameron. Thanks, Cameron. Guys, thank you so much for tuning into this episode of The Legacy Investor. Hey, if you want to help us grow and support us, please leave a review on Apple Podcasts and Spotify. That really helps a lot. Please subscribe to my YouTube channel, Cameron Filgreen. It's still new and growing, but I am going to start posting on there more regularly. Follow me on Instagram at Cameron underscore Filgreen. If you know someone who should be on this podcast, Go fill out the form on my website. It's CameronPhilGreen.com slash podcast. Fill out the form there. I'd love to have more guests on this podcast. It's been a blast. And music is by Eric Lopez Villaverde. Reach out to him for all your music needs. On Instagram, he's Eric Lopez Villaverde. Hope you guys have a great day and thank you for tuning in. Bye-bye.