Today’s guest is Sarry Ibrahim. 

 

Sarry is a financial specialist, private money lender, real estate investor, and member of the Bank On Yourself Organization. He helps business owners, real estate investors, and full time employees grow safe and predictable wealth regardless of market condition.

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Long-term strategy [00:00:00]

Introduction to the show [00:00:28]

Siri’s background and approach [00:01:01]

Infinite Banking System [00:08:07]

Break Even Period [00:08:38]

Upside of Infinite Banking [00:15:00]

Death Benefit vs Cash Value [00:16:01]

Private Money Lending [00:18:31]

Tax Benefits [00:20:29]

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Connect with Sarry:

LinkedIn:  https://www.linkedin.com/in/sarry-ibrahim-mba-ltcp-bank-on-you/

Website: https://thinkinglikeabank.com/

Website: https://finassetprotection.com/

YouTube: https://www.youtube.com/channel/UCwasIgJYLJwnyANE1iWN3XQ

“Think Like a Bank” free copy: https://thinkinglikeabank.com

 

Connect with Sam:

I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.  

 

Facebook: https://www.facebook.com/HowtoscaleCRE/

LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/

Email me → sam@blog.brickeninvestmentgroup.com

 

SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson

Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234

Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f

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Want to read the full show notes of the episode? Check it out below:

Sarry Ibrahim ([00:00:00]) – If I was talking to a client today and he was like, uh, he or she was like, I need, you know, 100% of my money in, in year one accessible. Like, I wanna put 10,000 in this, and then I want 10,000 available. I would simply say, this is not a good fit. Like, this is not a one year strategy. It’s a long-term strategy, and it’s a way for you to ultimately become your own source of financing, which, like anything else in life, it’s gonna take time to get there. It’s not gonna be instant gratification, it’s gonna take time to get there, but when you do get there, it’s much, it’s, you’re in a much better financial situation.

 

Intro ([00:00:28]) – Welcome to the How to Scale commercial Real Estate Show. Whether you are an active or passive investor, we’ll teach you how to scale your real estate investing business into something big.

 

Sam Wilson ([00:00:41]) – Siri Ibrahim is a financial specialist, a private money lender, a real estate investor, and a member of the Bank on yourself organization. Siri, welcome to the show.

 

Sarry Ibrahim ([00:00:51]) – Hey, Sam, thank you so much for having me on. I appreciate it.

 

Sam Wilson ([00:00:53]) – Absolutely. Siri, there are three questions I ask every guest who comes in the show in 90 seconds or less. Can you tell me where did you start? Where are you now, and how did you get there?

 

Sarry Ibrahim ([00:01:01]) – Yeah, I started in insurance and financial services about eight years ago. I found this kind of on accident, I guess, like this field found me particularly using the infinite banking concept. And, uh, where I’m at now is I help real estate investors and business owners become their own sources of financing and pretty much take control of their financial lives.

 

Sam Wilson ([00:01:20]) – That is really interesting. Now, do you focus exclusively on the infinite banking or do you do more of the holistic wealth kind of picture? What does that look like?

 

Sarry Ibrahim ([00:01:29]) – Yeah, a little bit of both. So I, I start off conversations with clients on a holistic perspective. Like I want to get to know the client first, get to know the financial situation, you know, what are they doing for work, what are they doing for business, what are their 10 year, 20 year goals? And then from there, um, either if if infinite and banking is a good fit, then we’ll merge that with their holistic plan. If not, uh, we definitely have other avenues, like I have other referral partners, you know, uh, that’s the benefit of podcasting, right. I’ve built a pretty big network of, you know, general partners, you know, other types of financial advisors who do different niches. So if, if, if it’s a better fit for the client, I’ll definitely recommend them to the other, uh, partner, other investor or other, um, uh, professional who can help them with their holistic plan.

 

Sam Wilson ([00:02:10]) – Right, right. Okay. So you focus, it sounds like mostly on the infinite banking side of things. Are you a real estate investor yourself?

 

Sarry Ibrahim ([00:02:19]) – Yeah, definitely. And I do use, I use infinite banking for those purposes. So I’m a limited partner and right now in one deal, so I use my infinite banking policy to fund that position. So I borrowed against I f I had, I had capital already funded in it, and then I borrowed against it, used that borrowed money to, uh, as a limited partner, and then now I’m using the distributions from that limited partnership to add back into the policy and then hopefully get, get it back up to a certain point and then reinvest in another deal. And so when don’t I show clients how to do the same thing?

 

Sam Wilson ([00:02:49]) – Okay. That’s an interesting topic right there, because the insurance part, the insurance policy then is the limited partner, not you? Correct.

 

Sarry Ibrahim ([00:03:01]) – The insurance policy? No, the insurance policy is just a source of capital. So like, it’s just like going to the bank, like going to a checking account or savings account. It’s the similar idea to that the whole life policy is just a source of capital, and then I take that money out and they, and then I invest in real estate deals. Okay.

 

Sam Wilson ([00:03:15]) – Okay. Okay. So you, you still take title to that limited or to your limited partner position in whatever, maybe it’s a trust, maybe it’s your own name, whatever it is. Yeah, but you don’t take it, it’s not like an IRA where you take it in the title of the ira, uh, custodian. You take it in the title of your name. Yeah.

 

Sarry Ibrahim ([00:03:32]) – Awesome question. Yeah, exactly. Yeah, it’s in my name. It’s, it’s the same thing as if it was me or my LLC or my trust doing so. Um, and you’re right, it’s not like an ira, it’s actually better, in my opinion, than an ira because with an ira, you don’t get the depreciation passed through to you. Right. And then in an IRA it’s very restrictive, right? Like in ira, it has to be entirely passive. Like you can’t be involved at all in that. You can’t be actively involved at all. It has to be entirely passive, so, right. Uh, I think it’s better. I, I’m, I’m still a fan. Having said that, I’m still a fan of using self-directed IRAs for, for, uh, real estate because I think it’s better than the stock market. Right. Uh, but I think like ultimately it’s better to have the cash from life insurance policies because there are no restrictions on what you could u what you could do with that money.

 

Sam Wilson ([00:04:11]) – Right? No, absolutely. That is, that is a nice, uh, a nice, uh, bonus there for using the infinite banking model. Mm-hmm. , when you get distributions, so distributions come, so you borrow the money from your policy, there’s, you, you get distributions from that policy, and then you have a choice whether or not to pay back your policy or to just eat the proceeds. Is that right?

 

Sarry Ibrahim ([00:04:35]) – Yeah, exactly. Yeah. I can, I can take that money and put it back into the policy if I want to, but there’s no, like, there’s no like definite payback plan. So like for example, let’s just u use even numbers. If I borrow like $50,000 from my life insurance policy, that’s, it’s like an open-ended loan. Um, it’s not like, uh, the insurance company’s gonna be like, okay, here’s the payment structure you have to pay, you know, X amount every first, like a mortgage for example. It’s like a closed-ended loan. It’s like the opposite of it. It’s open-ended. Uh, you pay, the only way it works is the, the, actually the way it works is, is that whatever money you take out, you have simple interest that grows on that amount, uh, every day. So like, I think if you took 50,000 at 5% interest, it comes out to I believe like $7 a day.

 

Sarry Ibrahim ([00:05:15]) – Uh, so it grows by your, your balance that you owe the insurance company, it grows by about $7 plus or minus a day, right. Until you pay that loan back. So there’s, you don’t have to pay that loan back right then and there. Um, you could pay back next year. You could pay it back three or four years when you exit that deal. And so it’s a lot, it’s very flexible, especially for which I think a lot of business owners and real estate investors just need that flexibility because of the uncertainty of when they’ll make money.

 

Sam Wilson ([00:05:37]) – Right. And that, I think that’s a, that’s a key, uh, a key difference there. And at some point, does that, is that policy loan ever become due? Is there a hundred year clause in that policy that says, Hey, at some point this has to come back or

 

Sarry Ibrahim ([00:05:56]) – Yeah, good question. So there’s typically a couple parts. There’s the cash value, and then there’s the death benefit, like the life insurance part of the policy. And then when you take out a loan, it opens like the third part. So when you have an outstanding loan as mentioned, like every day, it’s gonna grow by interest, the loan balance is gonna grow, right? Uh, but so is the life insurance, and so is your cash value and the life insurance and the cash value both outpace the growth of that loan that you owe. So your, your asset side is growing greater than your liability side. And then ultimately what would happen is if you just never pay back the loan, um, let’s just say you pass away at age a hundred and there’s like, I don’t know, like 3 million in life insurance and you owed, let’s just say all the interest and everything added up to like 800,000, they would just take like 3 million, subtract the principle interest owed, so 800,000 in this case, and then pay your beneficiaries 2.2 million. So yeah, there’s no, like, uh, it, it just, when the, when, whenever you passed away, they would take that from your, um, from your death benefit.

 

Sam Wilson ([00:06:51]) – Right? Right, right. Yeah. Okay. That, that, that makes, that makes a lot of sense. One, one clarification I want to have on this mm-hmm.  is that the insurance company will say, Hey, your policy’s gonna grow at 4%, right? Yeah. And you’re saying that, that they are willing to loan you money. Your money of course give you your money back at a lower interest rate than what they are paying you. So the, so the growth on that account is still greater than the expense of borrowing it?

 

Sarry Ibrahim ([00:07:25]) – Absolutely. Yeah. That’s what makes this whole concept good and, and work is because when you have your cash reserves growing and then you leverage your cash reserves, meaning you borrow against it, that loan you take out, that interest rate you take out is gonna be less than, um, the, the growth of your, of your reserves, meaning that your cash reserves will outpace what you are paying to borrow against it. So imagine if like you went to a bank account, you had a savings account, they were gonna give you, you know, four or 5% compound growth annually on that savings account, and then the same bank would give you a loan, but the loan they gave you was less than their growth. Uh, that’s, that’s a very, I guess a different way of putting it. And then it kind of brings us to the, to the next point is that like, no bank will ever do that.

 

Sarry Ibrahim ([00:08:07]) – No bank will will give you a, a, uh, an interest earning account and then give you a loan less than that interest earning account cuz it doesn’t make sense for them. Usually it’s the opposite of that. Usually you’re giving a bank, uh, money at 0% interest, like in a check-in account, and then they’re taking that money and then loaning it out to other people and much higher interest rates. So this kind of gives you, using the infinite banking system or model gives you a chance for you to become the banker and then for you to have that arbitrage, which is, which is the difference between what you paid to borrow money and what you earned, um, while you had that money saved or stored.

 

Sam Wilson ([00:08:38]) – Here’s a question I’ve, I have lodged, not lodged. That’s, that’s a quote, that’s a complaint, usually a logic complaint. Here’s a question I have had, simple word here. The question I have had, the breakeven period of a policy is like six to seven years from what I understand. Mm-hmm. . So you, by the time your cash value equals what you’ve put in, it might be six or seven years. Yes. Whereas the break even period for me in a normal bank, just walk down the street is today.

 

Sarry Ibrahim ([00:09:14]) – Yes. Mm-hmm.

 

Sam Wilson ([00:09:15]) – Like, I put a hundred dollars in a bank today, I have a hundred dollars now, inflation aside all those things. Yeah. Yeah. All those things aside, I have a hundred dollars still today that I can go withdraw. I put a hundred dollars today in an infinite banking policy in tomorrow, I might be able to pull out 25 maybe, maybe 30. That’s all I’ve got. I’ve had, I’ve taken, or maybe it’s 90, I don’t know. Either way, I’ve taken a haircut the day one I put money in. And I understand that insurance companies need to make money, but how do you, how do you bake in that seven years of potential return on say, bank A versus bank B and say, okay, how, how, I guess how do you calculate that loss of buying power return on investment over that seven year period as you calculate then later on borrowing the million, all those things that question even make any sense at all.

 

Sarry Ibrahim ([00:10:07]) – Yeah, absolutely. In other words, why take that dip in the first couple years? Like if you put, for example, $10,000 in year one in a life insurance policy, you won’t have $10,000 in year one. Like if you look, if you surrender the policy, you’ll probably, depending on your age and how much you’re doing and other factors, you’ll probably have like six or 7,000 available as a cash surrender and year one. Um, and then it grows every year. And then, like you said, probably year six, it breaks even. So that means that the premiums you put in match the cash value and then it brings it to the next question. It’s like, why would you even do that? Why just skip all this and just pull money in a bank? So that way it’s instant break even and then you could just, uh, uh, take money out as needed.

 

Sarry Ibrahim ([00:10:44]) – And it kind of brings it to a couple other questions, right? It’s like, number one, what do you wanna do with your money? Uh, if you want to, I mean, some business owners and real estate investors wanna keep growing their cash. So ultimately a ba a life insurance policy structured, the infinite banking way will, um, will, will outpace what a bank is gonna do, right? Because if a bank is gonna say, we’ll give you 0% interest, right, for example, and you have access to all your money that’s convenient for you, but at the same time, there’s no growth there at all. Whereas on the whole life policy side, there will be growth, you know, especially after that year seven, uh, it compound will grow. I think overall it’s safe to, uh, project or assume that you’ll probably get like a little bit over 4% compound growth over the life of that policy, which is not bad cause it’s tax free, number one and number two, um, it’s not affected by market conditions.

 

Sarry Ibrahim ([00:11:29]) – So it doesn’t change over time. It doesn’t go down. You can’t lose money in it. And then it’s a also too, it’s like a long-term strategy, right? So if I, if I was talking to a client today and he was like, uh, he or she was like, I need, you know, 100% of my money in, in year one accessible, like, I wanna put 10,000 in this and then I want 10,000 available. I would simply say, this is not a good fit. Like this is not a one year strategy. It’s a long-term strategy and it’s a way for you to ultimately become your, your own source of financing, which like anything else in life, it’s gonna take time to get there. It’s not gonna be instant gratification. It’s gonna take time to get there, but when you do get there, it’s much, it’s, you’re in a much better financial situation.

 

Sam Wilson ([00:12:05]) – And that’s, that’s an interesting point. I guess, um, if, and just help me, I mean, clarify for me. So I wanna, I’m, I’m raising objections because I want, yeah, I want to, I want to find out where I’m, what I’m missing. But I can do that same thing in a, I can put all the money in and I can have access to it. Now why do I wanna wait seven years to do it? Even if it’s growing? Maybe may, maybe, I mean, what, I guess, what am I missing here?

 

Sarry Ibrahim ([00:12:33]) – Yeah, yeah, yeah, yeah. So yeah, so let’s just say option A is you put money, for example, a hundred thousand in a, in a, in a checking account. Option B, you put a hundred thousand in a life insurance policy. Right? Now, let’s just say for example, you find a real estate deal to invest in, just to use even numbers, it’s 50,000 for the to invest in the deal, right? Yep. So you go to option A, if you, if you use option A, you would simply deduct 50,000 from a hundred thousand. So now your account is down to 50,000 even because you’ve leveraged that for, for your views debt for a real estate deal. Now in option B, you have a hundred thousand in the life policy, you borrow $50,000 and then you use that for the real estate deal. Now you’re 100,000 is still growing.

 

Sarry Ibrahim ([00:13:10]) – You just borrowed against that money. Your 100,000 keeps growing. And then you take that money, the 50,000, you put that into a real estate deal. Now you have that growing. Uh, and then let’s just say, you know, five years later you get back, I don’t know, let’s just say a hundred thousand dollars five years later. So you doubled your money in five years. You take that now, your life insurance policy grew too. At that point you have cash growth in the life policy, and then you have the growth from the real estate deal. And then now you’re able to do that all over again, again, uh, recycle that money again. Whereas on the cash side, that money’s gone now, like you took a a hundred thousand, you subtract 50,000, uh, yeah, you could put it back into the, into the checking account and option A, but you’re not gonna get that cash growth. And I think that doing so over time in volume is gonna make a big difference. So that’s just kind of one way. And then, uh, the growth on the option B is tax-free growth. So, uh, so yeah, that’s how you, I would differentiate the difference between just using like a normal bank account and then using this, this system.

 

Sam Wilson ([00:14:02]) – Right? Right, right. Yeah. Cause I think, I think the, the one caveat, or the one, the one difference there is that this, even though the funds have been deployed out of the policy mm-hmm. , they continue to accrue mm-hmm.  at 4% call it annualized rate of return. Whereas once you’ve taken the 50 grand out of a bank, it accrues at 0% rate of return. The only thing you get then is a return on the investment that was made In this case, you get the 4% growth, plus you get the return on the investment that was made, and then you can, you can then harvest those proceeds. Yeah. If I’m wrong here, so let’s say you’re 50, as you said, maybe it was three years or five years, I can’t remember number you said that. Yeah. But let’s say that 50 then becomes a hundred in three years. Yeah. I can then Sam can take that 50 in, in upside and I can go do whatever I want with it, and then I just owe the policy back the 50 plus the interest.

 

Sarry Ibrahim ([00:14:58]) – Yes, exactly

 

Sam Wilson ([00:15:00]) – Right. Okay. Okay. Yeah. So it’s the growth, it’s the, it’s the, it’s, it’s really the, the, the difference between what it cost you to borrow the money and the growth that happens inside of the policy. That’s where your upside lies.

 

Sarry Ibrahim ([00:15:13]) – Yeah, exactly.

 

Sam Wilson ([00:15:15]) – Okay. Okay, cool. No, it’s interesting. I like that. I like that. That’s, that’s, that is, uh, it’s a, it’s a more advanced strategy and I think it takes a little bit of, a little bit of kind of, you know, different, different, uh, a different perspective to understand exactly how that works. Okay, cool. So we’ve covered some of the, uh, more nuances of how infinite banking works. One other objection that I’ve oftentimes heard mm-hmm  is that you don’t get to keep the cash value plus the death benefit. So let’s say you, let’s use a big number and say you, yeah, you made a million bucks, you have a million dollars in cash value in your policy, and your policy’s a $3 million policy. The insurance keeps the million bucks and they write you out the death benefit when you die. Is that true or not?

 

Sarry Ibrahim ([00:16:01]) – Yeah, that is true. However, if you have a million in cash value, your death be, death benefit is probably gonna be much greater than that. It’s probably gonna be like 10 or 11 million. So it’s, it’s a much higher, the death benefit is a much higher amount than the cash value. And then, yeah, you’re right. Like the, the cash value is simply like your, um, equity and the death benefit is like the market value. So like when you sell a property now, like you don’t get the equity and the market value, right? You usually get the market value the higher amount. Uh, same thing in this situation. So like you would get, um, you know, the, the much higher amount, usually, usually 10 times more than the, the cash value plus it’s there. Cuz imagine if you had outstanding loans, it would get tricky for the life insurance company to pay out cash value and then, you know, subtract the interest on loans. So it’s better to leverage the life insurance overall part. Um, when you have the, the loans, so like in the, you know, in this example you have 10 million death benefit, um, you’ll, the policy probably will never lapse in that situation because of any outstanding loans. So yeah, to, to make the, to shorten this answer, you get the life insurance, not the cash value and life insurance.

 

Sam Wilson ([00:17:04]) – Right. Right. And that, I guess that makes sense. If you had a 10 million policy and you had borrowed that million bucks, they’d give you 9 million bucks when you died.

 

Sarry Ibrahim ([00:17:14]) – Exactly, yeah.

 

Sam Wilson ([00:17:15]) – And if you had a million bucks and you have a 10 million inside, you give a million dollars in cash value and you didn’t spend that cash value, but you had a 10 million policy, you’d still get 9 million bucks, right?

 

Sarry Ibrahim ([00:17:31]) – Oh, no, no, actually you get 10 million, you get the death benefit. Well, like if it’s a 10 million,

 

Sam Wilson ([00:17:35]) – You, you’d get the, you’d you’d get the debt. Yes. So you’re gonna have 10 million either way.

 

Sarry Ibrahim ([00:17:39]) – So, so in one way, one scenario, you have a 10 million death benefit with a million dollar loan. Right? And it’s 10 million minus 1 million, so your beneficiary would get nine. Yep. Yep. And then the other example is you have a 10 million death benefit with no loans, then your, um, your beneficiaries would get 10 million. So

 

Sam Wilson ([00:17:55]) – Right. But, but, but you have to, but the $9 million payout, you then, you’ve then already spent a million of that $10 million payout. So it’s 10 either way. That’s the, that’s the summary. Yeah, yeah, yeah. Okay. Okay, cool. No, that’s great. That’s great. And again, these are things that, that for those of us that don’t, um, don’t do this every day, this might be little, you know, some more elementary questions on the, how these policies function, but I think that’s really, really smart. What are some advanced strategies that people are using right now inside of these policies that you, that you think are just, uh, pretty, pretty, um, ingenious?

 

Sarry Ibrahim ([00:18:31]) – Yeah, so we already talked about using it for real estate deals. Like you could, you could still get the depreciation, you still get the, the advantage of doing real estate. Uh, and then also I have some clients who use it for like private money lending. So like, um, they, they borrow against a policy, they, uh, loan that out at a higher interest rate, and then they have now, uh, kind of two places that they’re making money one place and the policy still keeps growing as mentioned. The policy keeps growing. And then, and then they also make a spread on there. So they’re, they’re borrowing at a certain rate, like, um, 5% simple interest. And then they’re loaning that out at a higher rate. Let’s just say, I don’t know what, how much private money is nowadays. Um, uh, let’s just say 12% cuz of the rise in interest rates.

 

Sarry Ibrahim ([00:19:10]) – So let’s say 12%. And then they would make that spread and then they would take the, if they, if they had an agreement with the borrower that the borrower was gonna make interest only payments, they would take the interest only payments and then use that as income to put back in their policy. Um, and then, and then repeat that cycle over and over again. This way they’re literally like the bank in that situation. They’re just simply lenders, um, earning interests regardless of what happens with the real estate deal. So that’s another strategy. And then also a, think of any strategy you’re already doing, like any other investment strategy you’re already doing, or even for your business, you can use this concept for it and it’ll help you amplify those returns because of the ability to borrow against the cash, um, use the dis use the income or distributions to put back in the policy and so on.

 

Sam Wilson ([00:19:52]) – Right. I like that, that, that makes a lot of sense. Let’s talk about taxes. You, you, you touched on this a little bit, but if it’s a 4%, let’s call it a 4% growth. Yeah. And you, you as Siri are receiving the, uh, you’re receiving the payments, you know, from whatever investment you made, it’s coming directly to you. Mm-hmm. , when you pay back that policy, I mean, there’s no tax savings necessarily on that front cuz you’re still receiving those payments in your name, so you’re gonna pay taxes on that as ordinary income and then you pay back the policy and only the growth inside of the policy is tax free. Correct?

 

Sarry Ibrahim ([00:20:29]) – Yeah, exactly. Good point. So that means that if you, you know, you borrow out the money and then you do other things with, you loan it out or you invest that, that income outside of the policy is taxed the same way it would be otherwise. So it’s not like, so some people might think like, this is a strategy to like eliminate all taxes. You can’t do that, right? You’re still taxable on those, that’s still taxable income. Where it’s favorable is the money inside the policy grows tax free. Usually in most situations the loans are tax free, the withdrawals are tax free and the life insurance is tax free. Right? But that benefit is tax free. Tax free. So, so that’s how you can kind of, uh, you could use it to, um, increase your rate of return without having to increase your taxable income. Because think about it this way, and let’s just say after the, after the arbitrage, after you consider the amount of money you borrow and the amount of money you paid back to the insurance company, let’s just say it was a 2% growth. And let’s just say you invested in something that earned you 20%, then that means that your rate of return just increased to 22% because it’s extra 2%. But that extra 2% that you got in the policy wasn’t taxable. So this helps you increase your rate of return without increasing your taxes. That’s, I guess, one way to put it that way.

 

Sam Wilson ([00:21:38]) – Right. No, I love it. I love it. Siri, we’ve done, we’ve, we we’ve have dive dove dove, Carly, I can’t speak today,  one, one day, one day I learned how to speak on a podcast. We have covered a, some really, uh, more nuanced portions of the infinite banking model, how it works, things you can do with it, strategies inside of it. I, this, it’s a fun conversation for me. Uh, and I think, I think the more people I talk to about this, the more fun it be becomes because it, it’s, it just, it’s, it’s takes a little bit of uh, a little bit of, uh, creative thinking in order to get your mind wrapped around the, the possibilities with this. So thank you for taking the time to come on the show today. Thank and uh, share with us kind of the nuances here. Certainly appreciate it. It’s been very insightful for me. If our listeners wanna get in touch with you and learn more about you, what is the best way to do that?

 

Sarry Ibrahim ([00:22:22]) – Yeah, well thanks Sam for having me on your podcast. Best way for listeners to connect with me is go to thinking like a bank.com. It’s thinking like a bank.com website and then you could connect with me, uh, YouTube, LinkedIn, email address, uh, Calendly. All that is found at thinking like a bank.com.

 

Sam Wilson ([00:22:39]) – Thinking like a bank Go ahead, go ahead. Sorry. Yeah,

 

Sarry Ibrahim ([00:22:42]) – If you reach out for a free consultation, you go to the website thinking like a bank.com and schedule a free 15 minute call. I’ll send you, uh, Nelson Nash’s book Becoming Your Own Banker for free if you go schedule that appointment.

 

Sam Wilson ([00:22:52]) – Fantastic, fantastic. I’m about halfway through that book, so, uh, it’s certainly a good one there, Siri. Appreciate you offering that here. To our listeners, thank you again for coming on the show today. I certainly appreciate it.

 

Sam Wilson ([00:23:03]) – Thank

 

Sarry Ibrahim ([00:23:03]) – You. Thanks for having me on.

 

Sam Wilson ([00:23:04]) – Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple podcast, Spotify, Google podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.