#82: How My Clients Are Building Cashflow Through Passive Investments (And What You Should Know Before You Start)

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Ever wonder how to actually build wealth without working 24/7?

In this episode, I’m breaking down the most powerful passive income vehicles my real clients are using right now—from real estate and businesses to stock market plays and peer-to-peer lending. Whether you're in momentum-building mode or long-term legacy planning, I’ll walk you through how we design income streams that actually cashflow… and not just look good on paper. We’re talking cashflow over net worth, smart systems over hustle, and what it really takes to go from ideas to income.

What are the real investments my clients are making to create monthly income (not just paper wealth)? I share the top cashflow-focused strategies—from ETFs and real estate to businesses, peer lending, and life insurance—and how to think strategically about building income that fuels your freedom.

In this episode, I cover:

• The "Snowball" investing method I teach through TARDUS

• Why cashflow matters more than net worth—and how to design for it

• The 3-phase framework for choosing your next investment vehicle

• The truth about "passive" business ownership (and what nobody tells you)

• Real examples of how clients are making money via real estate, stock market funds, businesses, and more

• What to know about peer-to-peer lending, promissory notes, and life insurance as income tools

• Why I don’t recommend certain vehicles (like crypto—for now)

• How to think in terms of momentum vs. legacy in your investment strategy

✅ Key Takeaways

• Cashflow is king. A high net worth doesn't matter if you’re cash-poor. Design your investments to pay you now.

• Real estate is a favorite because it can pay monthly—even without owning the property directly.

• Buying a business ≠ automatic passive income. You still need systems, backup plans, and sometimes… therapy.

• Stocks and options can generate monthly cash—if you use the right funds or partner with fund managers.

• Peer-to-peer lending and promissory notes are underrated, flexible ways to turn cash into income streams.

• Cash value life insurance can be a surprisingly powerful tool for storing and accessing liquid capital.

• Know which stage you're in: Momentum Building vs Legacy Building. Your investments should match that energy.

🎯 Actionable Insights

1. Audit your investment mix: How much of your money actually pays you back each month?

2. Choose your lane: Decide whether you’re in a cashflow phase or long-term wealth phase—and invest accordingly.

3. Design for passive income: Even with business or real estate, build the systems up front to reduce your day-to-day involvement.

4. Start small and diversify: Use tools like Prosper or Groundfloor to dip into lending or real estate without huge capital.

5. Explore income-backed insurance: If you're sitting on cash, consider turning it into a liquid, income-generating life insurance asset.

🛠️ Resources Mentioned

• 📚 TARDUS Method – Snowball strategy for cashflow investing

• 🏘️ Groundfloor – Real estate crowdfunding platform

• 📈 Prosper – Peer-to-peer lending platform

• 💰 Cash Value Life Insurance / Infinite Banking – More in Episode with Sarry Ibrahim

  • #72:Unlocking Wealth: The Truth About Cash Value Life Insurance with Sarry Ibrahim, Part 1

  • #73:The Power of Intentional Wealth: How to Grow Your Money in Two Places at Once with Sarry Ibrahim, Part 2

• 🏢 Real estate syndications, mortgage notes, and business franchising (various client case studies)

   

   

🌟 Final Thought:

At the end of the day, building passive income streams isn’t about chasing the next big thing — it’s about creating a system that aligns with your goals, lifestyle, and values. Whether it’s real estate, equities, lending, or businesses, what matters most is being intentional, staying educated, and taking bold action. Remember: no investment is truly “set it and forget it.” Stay engaged, build your snowball, and let your money work as hard as you do.

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