Shows
The Broke MillionairesE47 | WARNING: Your 401k Is Designed to Keep You Working Until 65 (Here's Your Way Out) | Kam DasaniJoin our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesMost people try to preserve wealth before they even have it. In this episode, Kam Dasani reveals why he quit his $250K Silicon Valley job to become a full-time options trader—and how his copy-paste swing trading system helps busy professionals accelerate wealth faster than any 401k or index fund.We break down:Why 401ks and index funds keep you stuckThe 45-second options trade anyone can do...
2026-03-0642 minThe Broke MillionairesE46 | Buying Back Your Time with Justin LundJoin our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesWhat if the biggest thing holding your business back… is you?In this episode, Justin Lund joins us to break down the real reason founders get stuck, overworked, and secretly trapped—even after hitting 7 figures.The problem isn’t lack of effort.It’s hiring in the wrong order.Justin explains why hiring isn’t about scaling your business—it’s about buying b...
2026-02-271h 01The Broke MillionairesE45: The Passive Income Lie Nobody Talks AboutJoin our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesReal estate investing and passive income are often marketed as effortless paths to financial freedom, but in Episode 45 we unpack the truth about rental properties, value-add real estate, property management, cash flow, and what it really takes to build wealth.Joshua and Lauryn dive into the misconception that real estate is passive from day one. Whether you’re buying rentals, flipping homes, managing apartments, or sc...
2026-02-1759 min
The Lo-DownThe Live-In Flip Strategy: How to Build Wealth in Expensive Markets | Joshua Massari E42In this episode of The Lo-Down, Lorenzo sits down with Joshua Massari, co-host of The Broke Millionaires podcast, to unpack how he and his wife built millions in real estate equity while living in one of the most expensive markets in the U.S. — Orange County, California.Joshua shares how they used a live-in value-add strategy (a twist on BRRRR), buying fixer-uppers as primary residences, renovating while living in them, and repeating the process — all while raising four kids and working full-time.If you think real estate investing only works in chea...
2026-02-1153 minThe Lo-DownThe Live-In Flip Strategy: How to Build Wealth in Expensive Markets | Joshua Massari E42In this episode of The Lo-Down, Lorenzo sits down with Joshua Massari, co-host of The Broke Millionaires podcast, to unpack how he and his wife built millions in real estate equity while living in one of the most expensive markets in the U.S. — Orange County, California.Joshua shares how they used a live-in value-add strategy (a twist on BRRRR), buying fixer-uppers as primary residences, renovating while living in them, and repeating the process — all while raising four kids and working full-time.If you think real estate investing only works in chea...
2026-02-1153 minThe Broke MillionairesE44: Rebuilding 2026: Sunsetting Work That Doesn't Pay You BackJoin our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesIn Episode 44, Lauryn and Joshua talk about a key lesson reinforced by Dan Martell’s coaching: when sales are going down and a product is consuming your time without paying you back, it’s time to sunset it—not emotionally, but strategically. They share real-life updates on family life, investing momentum, and what “rebuilding” looks like in 2026. Joshua breaks down a major strategic pivot inside Midnight30 Marketing: moving away from commo...
2026-02-0539 min
Real Estate Masters Podcast#92 ALL Method Wealth Building | Joshua MassariALL Method Wealth Building | Joshua Massari breaks down how Joshua and his wife rapidly built equity using a live-in renovation strategy that turns primary residences into long-term wealth engines. In this episode, Joshua explains the ALL method (Acquire, Live, Lift, Leverage, Loop), how they grew from roughly $270K to $2.3M in equity in under five years, and why "the ugliest house in the best neighborhood" is the best starting point. The conversation also covers using a solo 401(k) for out-of-state rentals, leveraging HELOCs and creative equity options, avoiding common overpaying traps, and what success looks like beyond just hitting...
2026-02-0331 min
Real Estate Pros Show - Powered By Investor FuelWhy Smart Investors Are Using Solo 401ks and Midterm Rentals in 2025In this episode of the Real Estate Pros Podcast, host Micah Johnson interviews Joshua D. Massari, who shares insights into his unique approach to real estate investing through Solo 401k accounts and midterm rentals. Joshua discusses the advantages of Solo 401k for self-directed investing, the ALL method for acquiring properties, and the growing trend of midterm rentals as a lucrative investment strategy. He emphasizes the importance of lead generation and the potential for scaling in the real estate market. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:
2026-01-1927 minThe Broke MillionairesE43: Land Investing That Prints Money (With Brent Bowers)Join our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesBrent Bowers (thelandsharks.com) joins Joshua and Lauryn to break down how he went from broke Army officer, deployments, and debt to building freedom through vacant land investing. Brent shares the exact moment land “clicked” for him, why land beats rentals for simplicity, and how seller financing turned one small deal into predictable monthly cashflow. If you’ve ever thought land investing sounds fake, this episode will challenge that.
2026-01-1749 minThe Broke MillionairesE42: How We Co-Host Midterm Rentals (And Stack Bookings to Cut Vacancy)Join our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesIn this episode, Joshua and Lauren pull back the curtain on one of the hottest topics they keep getting asked about: co-hosting midterm rentals. They break down what co-hosting really is (and what it isn’t), why their model focuses on 91016, and the exact process they use to onboard and manage properties—from the discovery call to guest screening, turnovers, and performance clauses.They also share a wi...
2026-01-091h 01The Broke MillionairesE41: How Creative Lending Becomes an Investment Strategy for Anyone.Join our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesIn this episode of The Broke Millionaires Podcast, Joshua and Lauryn unpack a powerful wealth-building concept that most investors completely overlook: creative lending itself can be the investment.The conversation starts by breaking down why the traditional financial system favors owners over employees — from taxes to inflation and debt — and why simply earning more income rarely leads to financial freedom. But around the 12-minute mark...
2025-12-1957 minThe Broke MillionairesE40: How We Built Millions in Equity While Raising Four KidsCLICK HERE for a FREE download of the ALLLL Method™ blueprint. Join our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesIn Episode 40, Joshua and Lauryn record for the first time in their new studio, celebrating a major milestone after nearly a year of filming at kitchen tables, bedrooms, and anywhere they could squeeze in an episode. With daytime energy (and no kids in the background!), they kick off a fresh chapter for the show.
2025-12-111h 01The Broke MillionairesE39: Goal Setting, Survival Mode, and Building the Life We’re Fighting ForIn Episode 39, Joshua and Lauryn sit down for what they hope is their final recording from home before moving into their newly built studio. This episode is a transparent look at their current season—exhaustion, setbacks, celebrations, and the goals they’re setting for the year ahead. They open with life updates: missed recordings, illness that sent Lauryn to the ER, juggling four kids, and the constant challenge of trying to find energy at the end of long days. They share how unpredictable their weeks have been, how quickly time is passing, and how proud they are to be...
2025-11-2547 minThe Broke MillionairesE38: When a Rental Property No Longer Makes Sense🎙 Episode SummaryAfter an unplanned month-long break brought on by illness, recovery, and life chaos, Lauryn and Joshua return with one of their most transparent episodes to date. Episode 38 takes listeners deep into what life really looks like behind the scenes when you’re raising four kids, running multiple businesses, and building wealth in a down economy.Recording late at night—on their 8th wedding anniversary—the couple opens up about:hitting true rock bottom financiallybalancing cash-flow crises with long-term wealthbuilding a brand-new podcast studiolaunching their upcoming Broke Mil...
2025-10-071h 08The Broke MillionairesE37: Buying Back Your Time to Scale Your BusinessIn this episode, Lauryn and Joshua open with personal life updates before diving into a core entrepreneurial principle: buying back your time. As their lives grow busier—especially with four children at home—they reflect on why doing everything themselves is no longer sustainable. They explore how to delegate intentionally, retake control of their schedule, and focus on the high-leverage tasks that truly move their business (and family) forward.They anchor much of their strategy around Dan Martell’s “Buy Back Your Time” framework, discussing how to apply it both professionally and personally. Through ca...
2025-08-2843 minThe Broke MillionairesE36: The Struggles & Triumphs of Setting up an Out of State Furnished Rental.We sit down for several updates with our projects and dive into how we go about setting up a furnished rental out of state. One of the programs we talk bout is the Ladder Up Home Loan Grant from City National Bank. This is for CA, NJ and NY residents. We also talk about the No Tax on Home Sales Act which aims to eliminate the capital gains tax on a primary residence. This is huge for us personally because we have 3 properties that have far surpassed the current exclusion cap so we are not able to sell homes w...
2025-08-0854 minThe Broke MillionairesE35: Finding the Strength to Hold On & Stay the CourseIn this episode we dive into some interesting statistics and talk about where you live and how you look can drastically improve your mental health and improve your ability to keep moving forward with your wealth building goals. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-07-251h 10The Broke MillionairesE34: We've Moved and Onto the Next ProjectWe finally finished up the project house that seemed to be never ending and got it rented. In this episode we walk through what is looked like leading up to the final minutes before the guests arrived. We were of course down to the wire on everything getting final permits signed off the day before it rented. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good f...
2025-07-1458 minThe Broke MillionairesE33: The Millionaire Next Door & How Decamillionaire is the New MillionaireThe Millionaire Next Door is a book that interviewed several self-made millionaires in the 90's and finds the common traits amongst these people. We break down these 7 common traits that still hold true today. We also talk about how a million is not what is was 30 years ago and how a decamillionaire is probably the new millionaire in today's world. Book recommendationsThe Millionaire Next Door: The Surprising Secrets of America's Wealthyby Thomas J. Stanley, William D. Danko We are looking for guests that ha...
2025-06-2852 minThe Broke MillionairesE32: Taking a Leap of Faith in Acquiring an AssetPeople always ask "How do you have all these properties in CA?" It's not easy that's for sure, but we find ways to make it work and continue to acquire the next asset and struggle through until it stabilizes. We are always better off in the end than if we didn't buy that asset, it's just the in between time getting the property renovated that is always a struggle. Looking back...worth it! We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the sh...
2025-06-1952 minThe Broke MillionairesE31: How to Avoid Squatters in Your MTR & Control Your CalendarThe biggest question we hear when someone is considering the MTR strategy is "What about squatter's rights?" We go over our screening process and what we do to help prevent these type of guests in our properties. We also cover calendar control and what we do to help avoid calendar gaps that we can't fill. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-06-111h 03The Broke MillionairesE30: How to Market Your MTR With Top of the Market Rents While Having a Constant Flow of LeadsIn this episode we provide some updates on our life, current projects and and how we are managing everything with a newborn in the fold. We do dive into MTR marketing, outlining how to make your listing stand out in searches and the ways we market our properties to create a constant lead funnel. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-06-041h 21The Broke MillionairesE29: How to Set Up a Mid Term Rental (MTR) to Stand Out From The CompetitionIn this episode we jump into how to launch your first MTR to stand out from the crowd and operate build a legitimate business with this strategy. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-05-211h 14The Broke MillionairesE28: How to Achieve a 7 Figure Income Using Multiple Income StreamsIn this episode we break down a strategy to get you to 7 figures a year without having a single company make it big. This strategy also helps you to diversify your risk, hedge against a down economy, and makes it easier to offset your tax liability. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-05-0750 minThe Broke MillionairesE27: | Heart Failure Forced this Police Officer Into Early Retirement at 23, He Picked Himself Up & Found a New Path Which Paid Off in a Big Way | Nate GreenNate Green is an award winning CEO, Founder, Entrepreneur, Best Selling Author and Success and Leadership Coach. His relentless spirit and grit, coupled with his passion to impact the lives of those that are hungry and driven have been a combination that have provided him great success. Through a life of crazy adventures, major hardships and the constant need to adapt, Nate has constantly pushed forward to develop the core of who he is and overcome all obstacles he encounters. The life transition from a Police Officer to Founder and CEO of a company that sold for 8 Figures has...
2025-04-3045 minThe Broke MillionairesE26: The Power of Partnerships & Growing Your NetworkIn this episode we talk about the power of partnerships and how this can free up time, money and take your business or investing to the next level as you scale up. We also touch on how fostering and maintaining relationships can help build your network and come full circle. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-04-231h 07The Broke MillionairesE25: From Bartender to 7-Figure Real Estate Investor: How One Man Hustled His Way to the Top | Luke GilbertJoin our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionaires🎙 Episode SummaryIn this powerful episode, Lauryn and Joshua sit down with Luke W. Gilbert, a real estate investor, agent, and entrepreneur whose journey from digging ditches and bartending in San Francisco to building a 7-figure real estate portfolio is nothing short of remarkable.Luke opens up about the moment that changed his life, juggling parenthood while broke, reinventing himself as an...
2025-04-161h 12The Broke MillionairesE24: Stock Market Crash, Tariffs and the Current State of the EconomyIn this episode we break down the current stock market crash, Trump's tariffs and the direction of the economy. We also talk about how you can prepare your financial health to weather the impeding recession comes upon us. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-04-091h 07The Broke MillionairesE23: Sacrifices & Side Hustles to Build WealthIn this episode we talk about the sacrifices and struggles we face while building wealth through real estate while raising money. We also touch on our side hustles and the income streams those are creating which have helped us to push through. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-04-021h 00The Broke MillionairesE22: How to Renovate a Home On a Budget Without Sacrificing QualityIn this episode we talk further in depth on how we renovate homes on a budget and still get a stylish high quality end result. When to use a contractor and when to take on a project on your own and what type of finishes to use when you are rehabbing a rental property. We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-03-261h 08The Broke MillionairesE21: Let's Talk About the Losses. The Less Talked About Side of InvestingIn this episode we shed light on the less talked about truth of investing. When building wealth and investing you will have wins and losses, people tend not to talk about the losses and glorify the wins. We talk about the losses we have experienced and how the lessons we learned helped us succeed on the next investment. Failed Businesses OC Recycled Furniture Baby & BowWe are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us...
2025-03-191h 08The Broke MillionairesE20: How to Create a $600k+ Income Within 36 Months Working Part Time Using The 12 House Blue Print | William & Jodi Tingle In this episode we interview William and Jodi tingle. William is a Investor, Coach, Speaker, and Author of “The 12 House Blueprint”. William has bought hundreds of houses all across the US, most of them Subject To. He has trained and coached thousands of students all across the country to(including us) become financially successful real estate investors. William’s wife Jodi is a seasoned real estate investor with over 20 years of experience, specializing in short sales and wholesaling. As a former licensed real estate broker, she has a deep understanding of market dynamics and creative deal struc...
2025-03-121h 03The Broke MillionairesE19: Financial Rules to Live ByIn this episode we break down a set of financial rules we live by which really make life easier and building wealth more attainable. We cover how much we strive to spend on the home we live in, car payment, 401K contributions and appropriate spending on luxury items as rewards. We are looking for guests that would have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit info@thebrokemillionaires.com
2025-03-051h 07The Broke MillionairesE:18 What Really Causes Inflation & How to Hedge Against ItIn this episode we dive into the root causes of inflation and what you can do to hedge against a devaluing dollar. Cash, Gold, Properties & Bitcoin, where to park your money during a high inflation period. book recommendationThe Creature from Jekyll Island : A Second Look at the Federal ReserveBy G. Edward Griffin
2025-02-261h 14The Broke MillionairesE17: Mid-Term Rentals, Calendar Control & Building Wealth Without Burning Out | James Keller & Vivian YipIn Episode 17 of The Broke Millionaires Podcast, Joshua and Lauren sit down with Vivian Yip and James Keller to break down what’s actually working in the mid-term rental (MTR) space—and why so many investors struggle when they treat MTRs like short-term rentals.Vivian and James share their journey from corporate careers and house flipping into running 30+ mid-term rentals in Austin, Texas. This episode pulls back the curtain on calendar control, guest screening, hospitality standards, and strategic pivots required to build cash flow without burning out.If you’re navigating STR re...
2025-02-191h 04The Broke MillionairesE16: Mindset to Get Through Tough Times & How Multiple Income Streams is the New RichIn this episode we dive into mental toughness and having the mindset to get through tough times and stay the course to achieve your goals. We also dive into what is known as the New Rich in today's economic landscape by having several income streams and diversifying those income sources. Book Recommendations:Grant Cardone: How to Get and Stay Motivated Grant Cardone: Be Obsessed or Be Average
2025-02-121h 04The Broke MillionairesE15: How We Bought a Model X Using Section 179 Depreciation and Ended Up With a Free & Clear Family VehicleIn this episode we dive into what section 179 depreciation is, how to utilize it and who it works well for. We outline how we purchased a brand new Tesla Mode X using this method and saved $50,000 in taxes and rebates. We also outline how to transfer this asset from your business to your person living trust after the depreciation has been fully realized. Insta@rebuillding_thedream
2025-02-051h 28The Broke MillionairesE14: From Warding Off Bears at a Flip to a Wholesale Deal That Made $133k. How the Hooymans Have Created a 6 Figure Side Hustle | Nick & Aja HooymanThis episode features an interview with the Hooymans. Nick has been a long time friend who always has wild stories that are extremely entertaining. Nick and Aja talk about how they got into real estate investing while still working full time jobs, and how they continue to build wealth and expand their investing strategies as they work toward financial freedom. Content Warning - Please note that this episode contains talks of depression and suicidal thoughts. Nick Hooyman book recommendation The Creature from Jekyll Island : A Second Look at the Federal R...
2025-01-291h 32The Broke MillionairesE13: Unique Loan Products Most People Have Never Heard of Plus Tips and Tricks on Free Government Money to Fix Up Your Primary.Today we are talking more in depth on some unique types of loans that most people haven’t heard of. Also some tips and tricks on ways to save money and fund repairs and renovations. Family Opportunity Mortgage Vendee Loan Program (www.vrmco.com/vendee-loans)Home warranty (www.ahs.com)Local government funding for renovations and repairs ( grants and 0% loans ) State programs for ADU’s including loan forgiveness for renting your ADU to a qualified low income housing tenant.
2025-01-221h 13The Broke MillionairesE12: L.A. Fires - Taking Action to Help & Ethical Practices During a Natural DisasterIn this episode we jump into a discussion on the state of emergency in California with the wildfires still raging. Many landlords have been increasing rent prices due to spiking demand in the affected areas which is not only unethical, but also illegal. We also cover ways that people can help with housing if you have a home that is not being used and could be turned into a rental for a displaced family.
2025-01-151h 07The Broke MillionairesE11: How We Are Building a Mid Term Rental Portfolio and the Side BenefitsIn this episode we give an update on ringing in the new year and how we used a side benefit of our Mid Term Rental (MTR) to stay in a vacation home for free. We also dive into how we got started with our MTR business and what we are doing to scale this up.
2025-01-081h 05The Broke MillionairesE10: Raising Money to Scale to 270 Properties in 3 Years | Ethan Temianka & Sherry WangIn this episode we interview our first guests Ethan Temianka & Sherry Wang. Ethan got started by raising money for his first deal in CA. From there he scaled one house at a time until he was able to launch his own fund which led to the acquisition of 270 properties over a 3 year period. Ethan talks about the sacrifices he has made along the way and the less glamorous part of building wealth when he got his start. He is now in a dispo cycle and is taking on much larger projects with the knowledge and experience he has gained...
2024-12-1930 minThe Broke MillionairesE9: Strategic Ways to Buy a PropertyIn this episode we talk about creative ways we have bought properties and some of the tools we use to give us an edge up on the competition. We also discuss ways in which we find off market properties so we can be the first to make an offer.
2024-12-1851 minThe Broke MillionairesE8: Properties We Have Bought and Sold Inside Our Super 401KIn this episode we dive into some of the actual deals we have done inside our Super 401K. We go over the numbers on the acquisition through the life cycle to disposition.
2024-12-1455 minThe Broke MillionairesE7: Supercharge Your Retirement With a Super 401KIn this episode we talk about how we have supercharged our retirement with a super 401K and how anyone can open up a self directed retirement account whether you are a business owner or an employee. We talk about how we invest in real estate inside this Super 401K.
2024-12-111h 02The Broke MillionairesE6: Building Wealth Through Home Renovations by Forcing AppreciationIn this episode we will talk about how we build equity in properties by forcing appreciation through renovations. We also talk about some of the common mistakes people make and what to watch out for. We also touch on ways to pay or finance these renovations.
2024-12-0859 minThe Broke MillionairesE5: Spending Tax Free Money on Travel and the Finer Things in LifeIn this episode we talk about how to maximize the benefits of credit card points and how to supercharge these benefits through your business or employer. Start enjoying the finder things in life without using your own money.
2024-12-061h 00The Broke MillionairesE4: Leveraging Your Properties to Scale Your PortfolioJoin our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesReal estate investing, HELOCs, leverage, home equity agreements, rental property financing, midterm rentals, and creative wealth building — this episode breaks down exactly how we scale our portfolio without piles of cash.In Episode 4, we share how we leveraged equity from one property to buy the next — and how we’ve used HELOCs, home equity loans, cross-collateralization, private money, retirement account loans, and creative financing to keep m...
2024-11-301h 03The Broke MillionairesE3: Getting Mortgages and Thinking Outside the BoxIn this episode we talk through some of the traditional mortgage programs that are available with low down payments, and we also overview some more creative ways we have bought properties.
2024-11-281h 10The Broke MillionairesE2: Building Wealth Through Real EstateIn this episode we break down some of the benefits of owning real estate.
2024-11-2359 minThe Broke MillionairesE1: What “Broke Millionaires” Really Means: Our Story, Our Strategy & Our StartJoin our FREE Broke Millionaires Skool community for weekly Office Hours Call where we break down podcast episodes and apply them to your real-life situation. skool.com/brokemillionairesIn the very first episode of The Broke Millionaires Podcast, Joshua and Lauryn lay the foundation for what the show is all about: documenting their real, unfiltered wealth-building journey while raising a young family and navigating a tough economy. They describe the paradox that defines their lives today—they are multi-millionaires on paper, yet cash-broke while juggling mortgages, renovations, and the realities of en...
2024-11-2154 min