The Unconventional Voyage to Home Ownership with The Prosperity Pirate Charissa Turnbull

Are you ready to unlock the secrets of real estate that they don't teach you in school? Carve out some time to sail through the sea of knowledge with Charissa, a seasoned financial advisor, real estate investor, and property manager with a unique pirate-themed approach to business. With a wealth of experience in her locker, Charissa anchors down to share the tale of her journey from her early days in real estate to her current adventures, including the founding of her own brokerage. 

Ever wondered how to navigate the choppy waters of credit repair or manage property renovations? Fear not! Charissa's got you covered with a treasure chest of insights gathered from her years of experience. She stresses the importance of building relationships and understanding personal finances to help clients secure their dream homes, regardless of their financial situation. Plus, you'll hear an inspiring story about helping a client purchase their dream home against all odds. 

Finally, brace yourself for a deep dive into the nitty-gritty of real estate. Charissa shares her golden rules on overcoming fear in the industry, the role of a real estate agent in managing client emotions, and the importance of due diligence. From the significance of radon testing and mitigation to the benefits of having a home warranty, you'll gain a wealth of knowledge to chart your own path in the real estate world. Wrap up the episode with a jaunt into Charissa's books on money mindset and decision-making. Don't miss the boat, tune in for this enlightening discussion with Charissa and seize the helm of your financial future.

Email: charissa.turnbull@gmail.com

Website: charissaturnbull.com

Her books:
The Pirate's Journal: A Modern Treasure Hunters Guide to Wealth Building
https://a.co/d/1LGirkr

The Treasure Hunt - a guide to maximizing wealth
https://a.co/d/iIbXKzu

Transcript

0:00:05 - Speaker 1
and treasure hunting and stuff like that, and I've just kind of always been obsessed with pirates And my brother-in-law used to work in catering and found this like in an old catering site. So now it's just become my background which I approach life and business and everything and everything very casually, even in real estate and everything Like I feel like you can take things serious when necessary but you don't need to be stuffy and finding that people are much more comfortable with me that way. You know, i mean I've got purple hair and rainbow glasses and pirate themed programs and you know all the stuff. 

0:00:56 - Speaker 2
And, like everybody, needs a certain I don't know support or I don't know avenue to go into. Some people like the suit and tie, super formal. Some people like to be casual. So you fit your niche and you take off from there. 

But, no, that's super cool. We actually had a running joke that we were gonna put a pirate flag in front of our office building. This was like when I first started I was working with another broker and they're like it's so hard to like try and tell people how to get to our building, let's just put a pirate flag out in front And then we'll just say, like, go to the building with the pirate flag. But so that stuck out to me And I love the analogy like treasure hunting as a financial advisor. That's super cool. If that's not your tagline, we might have to add that in there. 

0:01:44 - Speaker 1
Yeah, so I actually have two books out and one of them and they're both pirate themed as well, so, like the first one is the pirate journal, Nice. A modern treasure hunters guide to wealth building. And then I have the actual treasure hunt. 

0:02:06 - Speaker 3
A guide to max money. 

0:02:08 - Speaker 1
So, yeah, i'm actually about to put out a real estate journal as well, all about finding the right house and how you can maximize, like what you really want to find a house, and find a house that you love and that you perceive as your dream home but also hits all the marks for really solid resale value. 

0:02:30 - Speaker 2
So That's awesome. I mean, just in talking to you the first, like three, four minutes. I think we're gonna make this an hour cause you are into a lot of things, so we'll try to jump right into it. All right, welcome back to this episode of MVP Real Estate Podcast, season three, episode 15. We've got Carissa here. Where are you from? I didn't get that. I apologize, i'm in Colorado, colorado, awesome. 

0:02:59 - Speaker 3
And if you're pronouncing your name wrong, correct him. 

0:03:02 - Speaker 1
Yes, it's Charissa, it's Charissa, charissa. 

0:03:06 - Speaker 2
Yeah, you gotta jump in and just correct me. Okay, i miss speak on a lot of things. All right, you are an author, a financial advisor, real estate investor and probably more. But Yes, thank you for giving us the time, and I'm gonna let you explain everything you're in, because it seems like it's a lot. 

0:03:25 - Speaker 1
Yeah, absolutely So. I am a real estate agent and property manager here in Colorado And I've been so for since 2012. And then in 2017, my mom and business partner, her, and I, opened up our own brokerage called Ankeny Real Estate. And the reason that we both started our careers in remax and we just decided that we wanted a little bit more freedom to honestly just be ourselves more and approach our clients our way. And then in 2019, i've always helped my real estate clients sort out their money stuff to be able to buy It's not uncommon for me to work with a client for three or four years before they buy a house And I was just I kept getting frustrated because so many people would come to me in this like desperate situation and I couldn't help them Like I needed to meet them six months ago or a year ago So I decided to become a financial coach. 

And so I launched a new business And I was like I'm gonna be a real estate agent, so I launched that business in late 2019. And then, yeah, since then I've published two books and both of my businesses have, like taken all kinds of different shapes. But I'm also an active real estate investor. I've done flips and I've done rentals myself. I work with a lot of investors as well, especially along the front range. So my brokerage is actually the address is in Palmer Lake, but we primarily work out of Colorado Springs and Denver and Woodland Park, the Western like mountains kind of area. 

0:05:19 - Speaker 2
So Awesome, awesome. So we started as an agent. That was like your intro into real estate, if I got the timeline correct. 

0:05:28 - Speaker 1
Yeah, and I left the corporate America life. I was an operations manager at a call center And just I always knew to some degree that I was gonna be self employed. If I'm being completely honest, Like I was in my mid 20s when I got into real estate and I probably would have done it earlier if I wasn't so afraid of like the money stuff you know, And it's scary to be responsible for every. 

0:05:59 - Speaker 2
It's funny that what kept you out of it is now what you are like you're facing head on. You're the financial advisor for these clients, when it was what you didn't want before. So that's funny. 

0:06:12 - Speaker 1
Yeah, exactly. And so, yeah, I mean I just I got frustrated with this idea that I was held accountable for things that I had no control over And I just I wanted to do things my way And I wanted to. I knew that I would be successful if I had rely on myself. I'm a very solution oriented person and I just I didn't worry about it, and so I took the leap and never looked back And, like I said, i've since opened up a property management division and became a financial coach. I also do credit repair, yeah. 

0:06:54 - Speaker 2
And you started with remex. Was that correct? Did I catch that In the really tough thing that I found? because I got into real estate as an agent first And the first thing that hit me was that people would come in, leads would come in. You'd call them, you'd ask them questions do you have a pre-approval? what's your credit score? And some of them are I don't have a pre-approval. Where should I go? Or my credit score is at like 550 or six And you're like well, you think in the back of your head I can't help you. 

Like you said before, i need to meet you six months ago so that now you're ready In those bigger box brokers and not all of them. I'm not gonna make a blanket statement. Most of them will say all right, that's a cold lead, put that in the back, keep calling. But deep down in my head I'm like but you can help them, they can get to where they wanna go. You don't have to dismiss them. But they're all about numbers and they wanna get things going. At least from my perspective, that I found, which is why I've always worked with the boutique, because you can kinda run your clients how you want to and some that are behind you can actually help push through to get to where they can actually buy a home. I don't know if that's what you were seeing out there as well, but Yeah, so, yeah, so, yes, absolutely. 

0:08:08 - Speaker 1
But I feel like it was so much deeper than that. So I was never on a team where I had a team leader that necessarily gave me leads and I had requirements to call and things like that. I had Cayman and my mom and I were technically on a team, but we just treated it as independent. We did our own thing, but it was really hard. When you get out of real estate school, they don't teach you how to be a real estate agent, they just teach you how to not get sued. 

0:08:40 - Speaker 2
And even that was a little. That's a good way to put it. That's a very good way to put it. 

0:08:46 - Speaker 1
And so I was searching for how am I gonna grow my business Because I am not gonna door knock and I'm not gonna cold call, and I just I refused to do it that way And absolutely there was a lot of pressure to just call and call and call and I was just not gonna do that. 

And I met this amazing lender actually super early in my career, and one of his primary marketing efforts was getting leads from HUD Home Store, and it was. Most of them were garbage. I'm not gonna pretend like they weren't, but I can tell you like the people and the clients that I did meet were those people that we were just talking about who landed on HUD Home Store because they were looking for something really cheap, and most people who are looking for something really cheap, it's because they have some sort of roadblock that's preventing them from participating actively in the real market for lack of a better word. And so it allowed me to really meet these buyers that were hungry, like they wanted it, like they wanted to buy, like they were in. These were a lot of low income people, people who needed to change their financial life forever And I believe wholeheartedly I'm sorry, like that's my dog, she's insane that you can hear her. 

0:10:16 - Speaker 2
It's fine. We both have dogs at home. We know the struggles. 

0:10:19 - Speaker 1
But she, like I, just so many of these buyers that I met, like it reminded me that the earlier in your life that you buy a home, the more it changes your financial life forever, And if it can be like the momentum shift for generational wealth, And so many of these people that I was meeting from the HUD Home Store like kind of fell into that category And it just kind of coincided with the fact that, because I was super young, a lot of my friends were not homeowners yet And, like you know, we're coming out of the I'm dumbing in my twenties and like now I have this disaster that I need to fix before I die, you know. 

And so it allowed me to kind of dive into this educator role and help people, because I've always been really good with money. I've always and I'm not, like I can tell you, like I'm not a safe, safe, safe kind of a person. I don't believe in sacrificing the things that you want in life or the things that you need. I believe that you can build wealth and I travel all of the time Like I don't believe that you have to choose, And so I feel like people really resonated with this idea that you don't have to like give up your entire life, but you can still buy a house, You can still build wealth and you can still do all of these things. And it really started with this lender who was feeding me these leads that you know a lot of agents would have blown off, discarded. 

0:11:56 - Speaker 2
Yeah, and that was the big struggle when I started was that all those people were getting kind of passed off. And I was lucky when I the first thing I looked into for real estate technically was for myself to buy a home. Finances weren't there, credit score wasn't there, and we got led into NACA, the program that was set up for low income, low credit score. But they're able to get you financing. And the one thing I found is they were able to get you more financing for like a duplex or a triplex because they know that some of their lending is going to be secured by the rent roll of your tenants And it lessens the financial burden on you. 

And that was like the eye-opening moment to me where I'm like, hey, if I had those people that came in and wanted to buy a house but couldn't afford it right away, could I get them to see the benefit of multifamily? They don't have to manage the property. You can build in a property management cost on top of it, but just live in a duplex for three years while you save up money for that single family home you want. And I know it's a three year delayed gratification, but after that three years, you will be amazed at how different your financial situation is. And the tough part is, with me I don't have that like you, the pirate financial advisor. I don't have the wherewithal or the follow through to keep with them, Like I give them the programs and I just cross my fingers and I hope they call and I hope they do it. But it sounds like you've kind of alleviated that and like helped them bridge that gap so that they can get to the finish line. 

0:13:32 - Speaker 1
Yeah, the longest I ever worked with a client before they bought is seven years. 

0:13:37 - Speaker 2
Seven years. Then like how happy were they after seven years of doing that. 

0:13:44 - Speaker 1
Excited. 

0:13:45 - Speaker 2
That is cool. Do you still talk to them today Like is it a friendship made? I'm just talking today, yeah, okay, i'm gonna say, after seven years, you have to be quite friendly. 

0:13:54 - Speaker 1
Yeah, i know it was one of those things like he. You know, i mean, and it's not like I talk to them every day, every week or even every month. But you know, when I establish these relationships, my clients just know I don't care if you're buying today, i just want to help you And if you just have a question, that's cool, you can call. You know, i mean, i just I don't, i don't believe that I think the real estate is such an important part of our, our wealth building ability, like that. That's really what it comes down to for me And so many people. Just it's scary, you know, it's just scary, it's overwhelming The idea of being on the hook for hundreds of thousands of dollars. They think that it's just not possible And so a lot of times, like in the beginning, it's just questions. You know, it's I. You know I see all of these other people doing this thing and like maybe I can do the thing too. You know, and it does usually start with credit And you know I technically for a long time had a credit repair piece of my business I still do, if I'm being honest. 

But recently I started white labeling, like I started partnering with another credit repair person in Colorado Springs, although she does do credit repair everywhere and she's amazing. And she's I am. I'm the first to admit that I am not, like I'm not a paperwork person, like I really don't like it. I have an assistant who does like every except for like my contracts and stuff, and so credit repair just felt daunting, but it's so important And so I love to teach the strategy behind it, but I don't want to manage the process. So I started partnering with somebody very recently to help me like to manage the process for my clients And she's phenomenal. I mean, she gets staff deleted and scores increase very, very fast. I actually have an interesting deal right now that you guys may be interested in. So I have a first-time buyer and that's got a pretty low qualification price And Colorado is expensive. Like I'm not gonna pretend, like it's not. 

And I live in the mountains, they grew up here, they want to stay in the mountains, et cetera, et cetera. Well, they could only qualify for FHA. They have some credit score stuff like some other stuff. They just don't have any debt. They're young, you know, and I just could not get them anybody to take their FHA offer, because all of these houses, i mean, would require some stuff to go to FHA. And I'm like, okay, there has got to be another way. 

0:17:03 - Speaker 2
So And for the listeners. sorry, i want to plug this For the listeners. FHA is very finicky, like paint chipping off of windows. you're not getting financing, so I'm guessing the homes are looking for lower price point, more deferred maintenance, exactly All right. 

0:17:21 - Speaker 1
So they have found this perfect house and they were not gonna budge on this requiring conventional thing. And so I was like, okay, I told my clients I'm like you guys just need to like leave this with me for a day, I'm gonna figure this out. I just need you to leave this with me for a day. So I called every credit guru besides myself that I know And I'm like this is how many points I need. This is how far away I am. These are the trade lines I need, Like this is what I think is gonna work. 

And before I like jump in head first and tell these clients this is gonna work, I want somebody else to agree with me and give me some other ideas. And so we did it In three days, after their lender originally just did not think it was possible. I did a bunch of stuff moved, a bunch of stuff called some people had one of their moms, put them on a credit card, paid this off, paid this off, And we got a conventional lender letter in three days and we're under contract and we close in a few weeks. 

0:18:30 - Speaker 2
That's awesome, and they are probably so happy that they called you, because there's not many agents that would go through the links to get that buyer ready to actually purchase. So kudos to you on that one. That's awesome. 

0:18:44 - Speaker 1
Yeah, and that stuff is fun for me, to be honest, like I want to help people buy, you know, like their dream home, helping sellers and watch them, you know. I mean I had a client, one client, years ago. I worked with him for years and he, you know, was renting all of his furniture from Runa Center. when I met him and had like no, anything, like he had no wealth, he had no savings, he had no nothing, and you know, we did some work. He bought a house and he walked away with $150,000 cash a few years later and went and started his new dream life of living in a camper, like on some land that he bought in the middle of nowhere. I mean. 

0:19:32 - Speaker 2
That's awesome. 

0:19:33 - Speaker 1
It's. That's the kind of stuff that I really love. It's that people who their lives are never gonna be the same after this you know They, these people, didn't come from families. That you know everybody's owned a home since their great great grandparents Like that real estate investing is part of their blood. That you know. Talking about money and just understanding that you know what's possible. Like these people that I help. They don't have that. 

0:20:03 - Speaker 2
Yeah, no, and that's super important that they were able to find that, because that is monumental for people And I don't know their exact situations, but I mean, if you're parents with kids and you're able to offer like the house that they're gonna grow up in, like that's something that you can't put a price tag on, but it's very, very few that you're gonna find an agent that would carry you all the way through to the finish line. So that's super cool. It sounds like you love the challenge. Whatever the challenge is, bring it on. So it makes it. It begs the question of all right, you're the agent, you're going through all these buyers and sellers, you've got the credit, repair the finance, and then you're like, hey, let's renovate a house. 

0:20:49 - Speaker 1
Yes. 

0:20:50 - Speaker 2
So how did you go from the agent side and then did this house pop up? Or were you doing research, knowing you were gonna invest? Okay, so Are you a glutton for punishment and just took it on and said let's see where it goes. 

0:21:05 - Speaker 1
Yes, all of it. Okay, so my parents, we like every, they basically got it and renovated every house that I ever lived in my entire life. They definitely were self-made, by every description of the word, and so and they were really where I learned this idea that the earlier that you buy a house in your life, the more it changes your finances forever. And yeah, i mean they just like they didn't have a lot of money And so they would, you know, buy these houses and we would live in the living room and they would renovate them. And so I grew up, you know, like re-roofing houses and doing drywall and like just all of the stuff. And so I was just never, i was never afraid of it, and that's the biggest thing, because I was just, i was never afraid of it Incidents don't scare me away And so the very first house that we ever renovated was our first house that my husband and I bought And we didn't do a ton. 

It was cosmetic, but you know, i mean we replaced all of the flooring and we repainted and we did windows and we did the exterior And like, so we just we did a lot of stuff. We redid the kitchen and the bathrooms, and so I think that was the biggest thing is I was never afraid of it And I knew that was also the house. I bought that house knowing that I had every intention of brunting it out Because of the position, like the house was a great house on a big lot, but it sat kind of strangely on the lot And so I felt like I would make a lot more money with it as a rental. And so I did. And then a few years later, after. 

I did it for a few years. I rented it for a few years. I sold it to my tenant And completely, you know, changed their lives as well. They were they were. They fit into the category I was just talking about for sure, and I worked with them for about a year to help them sort their things out so they could buy it. And it was a perfect scenario for us. Like they walked in with equity, my husband and I didn't have to go through all of the craziness of putting it on the market. Like we got a great deal and every and then we took that money and we rolled it into the house that I live in now. So this is the biggest project I've ever. I've ever taken on. To do it all over again, i would not live here. 

Because my husband and I also both work from home, Like we're constantly. We've been in this house for several years And we did all of like the things we had to do to live here in the first six months, but the house, like you know, this is gonna make us a lot of money, but we have to change the structure of the house, Like there's a whole lot of stuff, And so I you know, I tend to see a house and see what it could be. I've also done so. Then, one of the really like probably the funnest project I ever did was one of my mom's friends does, investing in tax liens. 

0:24:44 - Speaker 2
Yeah. 

0:24:45 - Speaker 1
And do that. 

0:24:46 - Speaker 2
That's an interesting sub-sector, real estate. 

0:24:48 - Speaker 1
Yeah so, but normally you know they don't end up with the actual property. It's super rare to like acquire properties through that way. 

But he ended up with all of these properties in 2018. And he didn't know how to clear the deed so he could sell it, and so he had called my mom for some help, and we helped him through it And we're like, hey, like, instead of selling that to this cash investor, they sent you a letter like we'll buy it, and so we bought this condo that was full of stuff, like I mean, full Feeling. 

0:25:23 - Speaker 2
Horting house kind of thing. 

0:25:25 - Speaker 1
But it was all good stuff. 

0:25:27 - Speaker 2
Yes, but it wasn't true. 

0:25:29 - Speaker 1
So we sold the stuff that was inside for a lot of money. Then we're able to turn around and, you know, renovate the condo and sell it for like triple what we paid for it, And yeah, and it was a really, really, really fun project And yeah. 

0:25:51 - Speaker 2
And was that your second property then, after the house you lived in and flipped? 

0:25:56 - Speaker 1
that was my first property that I did not live in myself. 

0:26:00 - Speaker 2
Okay. 

0:26:01 - Speaker 1
Yeah, and then I'll down a few other projects, and most of the investing projects that I do I do with my mom. 

0:26:10 - Speaker 2
She's my business partner as well, so Yeah, it's cool to have a partner to help either bounce ideas off of or Support, even like there are some days where you're just not. You can't give a hundred every day. So if you got 50, your mom can come in with 50, or whoever your business partner is. It's, it's super nice. 

0:26:31 - Speaker 1
We say all the time that, like, we're both not allowed to like, freak out at the same time, like and want to quit, like it's pretty rare for us both want to quit real estate at the same time. Um, and you know, entrepreneurship can be hard, yeah, and so, yeah, having somebody who, like, can talk you off the ledge, you know, that's important that very, very important Yeah. 

To do projects is my brother and sister in law, so my assistant, a lot is the assistant. I was telling you guys about that. Um, like does all of my stuff projects and we've done a few projects with them as well, and So yeah, like we're just One big real estate family. 

0:27:12 - Speaker 2
That's cool, i mean one, you get to see your family every day. In two, we can mention, like, the tax benefits of hiring your family. So that's a double dip. That's a win, win, win, right there. Um, all right, i was gonna ask you because I'm big on mindset. I think it's super important for people to be in the right, the right mindset to go into it and And and kind of. I've always said, like don't run away from something, run to something, because it's a different perspective. So, like, as you are, i know you have the background of your family in real estate and they've done it for Decades before. 

0:27:49 - Speaker 1
My mom got in there only two years before me. 

0:27:52 - Speaker 2
Oh, really Okay. So alright, you don't have the long history. So as you go in and you're like, all right, i'm gonna buy this house and we're gonna flip it I've never been a contractor, i haven't touched this stuff How do you get over the fear of, like, the unknown or what could possibly happen here And I'm speaking in in reference of the people that, alright, i want to get into real estate, i want to own a house, i want to own a rental. But like that scares the crud out of me, like how did you get through that one? 

0:28:22 - Speaker 1
To be honest, like I don't really have that kind of fear, but I can tell you my husband does. So the biggest thing is like understanding What could go wrong and Understanding due diligence, and I think it's different, like if you're going to, i'm so. Basically, this is how I explain it to people. When you think so the biggest thing is like home warranties, but I explain it to them in a little bit different of a way. So if you think about the system that could go wrong in a home That's gonna cost you the most money, like you know, pick one That's the scariest, that wouldn't be covered by your homeowners insurance, that you couldn't wait to fix, like if you didn't have the money, like it doesn't matter, and the what typically comes up for people as meat, the furnace yeah and so I Help them determine the cost, essentially to full, fully replace a furnace And then tell them and tell you have that amount of money in the bank, you keep a home warranty on your house. 

End of story. 

0:29:35 - Speaker 2
Yeah, that's pretty safe. That's, i mean, that's the reason for insurances to cover those what ifs and there's a lot of what ifs. when you own a home Water heaters, there's a lot of mechanical things that can go wrong. 

0:29:48 - Speaker 1
Exactly. And then I you know I have my uncle with the contractor for years here and so he's not anymore. But I Always like knew that if I couldn't find like a plumber or this or that, i call and be like Galen, like Give me a guy I Need. I need a guy, point me in the direction of a guy that's gonna show up, is licensed and insured, is gonna do a good job And is not going to charge me a gazillion dollars. You know, now like I have, i have a really, really solid like contractor base. 

And but I don't use a lot of like Plumbers and electricians and things like that. I do a little bit but I, like you know I'm GC's and people who. So my favorite contractor that I use right now like he's a GC, but he is the name of his business is the solution service And he has a guy for everything. So he subs. He has subs for everything. I don't have to worry about finding them, i just call him and be like this is what I need. This is my timeline. When are you going out? 

0:31:07 - Speaker 2
Yeah. 

0:31:08 - Speaker 1
And I know that he has the insurance in place, like I know that you know, and so I refer him to my clients and I make sure all of the people that I work with understand that if you have a real estate question, for sure I can help you, but also like that includes renovating your house, like that includes All of the things, and like I'm happy to help. I also the inspector that I use is I have a couple of them and they're all very, very, very thorough. I Do not believe that This is a little bit. Not every real estate agent agrees with me on this, so I'm just gonna put that out there. A Lot of real inspectors that I use, some of their local agents, don't like them because they feel like they Over sensationalize things. 

0:31:59 - Speaker 2
Okay, Mm-hmm I. 

0:32:02 - Speaker 1
Believe that it is an inspector's job to point out every little thing. It is my job to manage my clients emotions. It is the other agents job to manage their clients emotions. 

0:32:14 - Speaker 2
Yep. 

0:32:15 - Speaker 1
Not the inspector's job to tell somebody whether something is or is not a big deal. It is not their job to downplay anything. I'm because they don't actually know, like we're only there for a handful of hours right, like they can't know if that you know thing, that that foundation thing could be a big deal Or it could not be a big deal like they're not responsible for determining that. They're responsible for saying This is something that you should probably pay attention to, um, and They all of my clients get all of my inspectors give like a home maintenance manual as well as part of it, and so we go over that And yeah, so I just I'm very education focused. 

I'm sure you guys can tell like clients have all of the information Every step of the way, and that's usually how we get past that fear. 

0:33:08 - Speaker 2
Yeah, and I think you hit it right on the head with the inspection. I Know that all the properties that I buy I've had an inspection done on them, even if they are Like gonna get remodeled, because I just want to know what the status is. And I've told a lot of sellers I'm gonna get an inspection. It's not contingent on my offer, so if this comes back, we've got problems. That doesn't matter. The offer still the offer. I Just need to know. So I know what I need to look at, like how how many electrical issues do we have? Do we have any plumbing issues? That's all I need to know. I need the info. I'll take the info and do what I need to do with it, and Sometimes they're like, okay, that makes sense. Sometimes they get like a little skittish, like, oh, you're bringing inspector in and it's like, well, those are people that are probably trying to hide something. 

0:33:54 - Speaker 3
Then, like I know that's funny, you mentioned that because I Think in October it'll be three years that we've been in this house and I still have my home inspection for this house bookmarked, yeah, and like I'll pull it up every once in a while, look at it, okay, and I'll. Have I addressed this? or have I checked on this in a While? and like there's stuff. When it first came back, my wife and I ran down a list and we're like, okay, there's 10 or 12 things that we need to dress here. What are two or three big ones that we want to possibly throw in and say, hey, address this. Or you know, we're gonna have to adjust our original offer. 

And one of them was a bad window. You know the old crank casement windows. One of those was bad. The seller agreed to give us a credit for the cost of a window and they actually Over padded their original quote to cover the cost of that window. And then the other one was There's two furnaces and two central airs and they agreed, because of that and a little bit of the age on them, that they agreed to cover like the very best home warranty that was available for the property. So there's still stuff that I have to look at and I'm like what? 

0:35:05 - Speaker 1
is this Yes? 

0:35:06 - Speaker 3
and they said that there was two or three of the bathroom sinks had leaks from his inspection and then I knocked those out within the first couple weeks of moving in. but I still reference ours, and the only reason I think I'm so paranoid is because when I first bought my house my first house back in 2010, we didn't have a good inspection because it was a friend of the agent. So that is another thing that maybe isn't talked about a lot, and we've been told after the fact like, hey, don't ever take the agent's recommendation because sometimes they could be in Cahooch, but hey, don't share this with them or don't reveal this to them because it could kill my deal. And at that time I think it was way more of a buyer's market in 2010 than it is now a seller. 

0:35:51 - Speaker 2
Yeah, and those buyer seller markets really depend on a lot on inspection and how much weight you put on them in terms of the offer or not. 

0:36:00 - Speaker 3
Yeah. 

0:36:00 - Speaker 2
And that's the one thing that I always try to educate. Like you were saying, you can still get those done. You can get a rate on test done, just for your peace of mind. It doesn't mean it's going to kill the deal. Yeah, you just want to know the info. 

0:36:14 - Speaker 1
I'm right on. a huge here in Colorado, i mean right on, is caused by decomposing granite and I literally live on a granite mountain. So 90% of houses in this area like they so many things come back high. Some of them like it's only a little high, but I mean we've had hundreds, like we've had right on in the hundreds, in more than 100. 

0:36:36 - Speaker 2
And you're still, you're still four parts per million, right, that's like a standard across. Yeah, that's crazy. That's not the highest I've seen here And that was in. we've got some boundaries around here, so like the walk shot area, p walkie, which means nothing to you, but that area has a lot of boundaries. in those radons I've seen 45. I think is the highest I've seen. So that number that you have is insane. 

0:37:06 - Speaker 1
Yeah. So I would say, like the most common, probably 20s, you know if they're. If they're, you know super high. But yeah, i know we've had in the hundreds like. I think I know my mom has had to have one that was over 200, but I don't know what that number was. But the highest I've had was like 179 or something. 

0:37:26 - Speaker 2
What do you that's in the Colorado Springs area is? 

0:37:29 - Speaker 1
actually in Teller County, which is west of there in the mountains. 

0:37:33 - Speaker 3
What do you do to mitigate that? how do you so you get the test done, and then what are you? 

0:37:37 - Speaker 1
So it's the same as any other rate on system. So it is like. 

0:37:44 - Speaker 2
So I'm not a rate on expert like a big like three inch PVC pipe that goes into your basement and it's got a fan that pumps the gas up out of your house. 

0:37:56 - Speaker 3
It's pretty much what it looks like. So that's what I see in houses that almost looks like a downspot, but reverse on the side of the corner. 

0:38:04 - Speaker 1
Like if you do a crawl, like most of our stuff here, like we have a lot of basements, but like we also have a lot of like partial basement, crawl spaces, and so if it's a crawl space, they basically encase everything with plastic and then seal it that way And it's a and they just pumps it out. But it's, the crazy thing is it doesn't matter, like, how high it is. That's actually not true. 

0:38:30 - Speaker 2
We have one where we had to do to I was going to ask you did that one require to rate on pumps? 

0:38:36 - Speaker 1
Usually no. Usually it's about like the structure of like, if it's just like flat, like one level or whatever. And you know I mean then usually no. But yeah, i forgot we did. We have had one, that we had to do two systems, but it's not, it's not common, even when they're really really high. 

0:38:56 - Speaker 2
Yeah, i've always seen one, but I've never seen numbers that high. So I was just out of my curiosity If you needed to. Or a bigger fan, because, like, obviously the fans are rated to pump X amount of CFM. Yeah. 

0:39:10 - Speaker 1
I don't know what can be different, but I know they're more expensive, so I imagine it's, you know, more powerful in some capacity. 

0:39:19 - Speaker 3
Yeah, still like six box fans are under the crawl space and call it a day. 

0:39:24 - Speaker 2
Yeah, that'll be the fix. the inspector will pass that, Yeah right. The last thing I want to touch on was your books. So when did you start writing, like because they're titled the journals, are they actually your journal, like your process through real estate, or how do you? 

0:39:42 - Speaker 1
write your workbooks. So, um, these ones are both based on my financial coaching. Neither of these are real estate based. my real estate book should be coming out, hopefully. I actually just started it, so I think it's been a few months. It usually. It usually takes me like this book took me. This is my first one and it took me about seven months to write this one. I did in four weeks, but you'll see this one is okay so. So there's a lot of like work but pages. So I should back up to. You know, are these? 

0:40:21 - Speaker 2
on. Are these available online? because we can put these on. 

0:40:26 - Speaker 1
So it's through publisher, so you can get it on Amazon, barnes and Noble, you know all the things. But yeah, this one is really about my financial philosophy on how to build a wealth building strategy that honors the lifestyle that you want to live, what this one is, and this one is all about money mindset. mindset is a huge piece to me. I believe that every decision that we make and every fear and all of those you know fight or flight type of feelings stem from our money, because money is the physical representation of safety in our world. So it's tied back to money somehow, like, even if you don't realize that it is, it is somehow. And so, like, truly understanding where those things come from is what the treasure hunt is about. 

So it's all this one is 100% of journal, so this one is purely journal prompts and pages to write And then at the very last I teach this thing called. 

I called it, i call it dangerous zones and lighthouses, but it's essentially understanding what are the saving triggers and how to racket, stay mindful in your money all the time And if that makes sense. So essentially like recognizing what you really want in your life and just not spending money on anything else. And so I call it dangerous zones and lighthouses and that's in both of them. But that's the only like lesson in this book. Everything else in this one is a journal prompt around money story and I talk a little bit about, about your personal relationship with money and kind of explain what I was just saying. 

0:42:33 - Speaker 3
So yeah, yeah, so dangerous zones meaning stuff to stay away from and avoid and lighthouses, what what you can work towards or go to for the safety security. 

0:42:42 - Speaker 1
So your dangerous zones are essentially your spending triggers. So for me, for example, i am an impulse buyer like that's my spending trigger. I get bored and I will literally scroll Amazon, like I do scrolling Facebook. 

0:42:58 - Speaker 2
It's almost prime days, so this is your, this is your dojo, right here. 

0:43:02 - Speaker 1
So then, your lighthouses are essentially the things that bring you back into awareness. So it's a lot of like questions and guidelines for yourself, and none of my stuff is hard and fast rules because, like I said, i don't believe in living in restriction, i don't believe in, you know, that you have to have no debt before you can do anything else. Like I believe in leveraging other people's money, like I, you know I mean I have a lot of money philosophies that are a lot different than you know, kind of what's out there in the mainstream world, and so my lighthouses. So, for example, like I don't shop on Prime Day, i have to leave things in my cart for a certain amount of time. Like I don't have like the one swipe by, and stuff like that because I know, yeah, those are the things. 

I know that if I don't have those things, i'm not just gonna spoon scroll Amazon and randomly buy craft that I don't even want. I mean, it's one thing to buy something that you really want like I'm never gonna tell you don't go to Starbucks, don't buy the things that you want, or whatever but we buy a lot of shit. Sorry, we buy a lot of stuff that we don't actually yeah, yeah, yeah, i agree it is the same thing. 

0:44:24 - Speaker 3
My wife makes fun of me for it all the time. When we go, we go grocery store. We're not grocery shopping. We'll go to like Target or whatever store we're at and I'll have a cart and I'll walk through and I'll think about some for a while, put it in the cart and we're walking around the store and then, as we're getting closer to check out, is like I don't really need this, i don't really need this. And she's like you do this every time. She's like how much time did we just spend in here? is like well, i'm not buying it, so I'm saving some money. Now. I'm basically justifying why I'm not gonna buy it after the fact. 

So it's like yeah otherwise you have the buyers or more as you buy, and then you have to go return it two days later. You're like, oh, i didn't really want this. 

0:44:55 - Speaker 2
So or you don't get up and return it, so you just sit and it's sitting there at your house oh no, i get returned it gets returned like it is a huge joke in my family. 

0:45:06 - Speaker 1
If I buy something and it like it's gonna, it's gonna end up and good, well, if I don't want it, because I am terrible at returning and so I'm super conscious of not buying stuff that I don't want yep, i'm. 

0:45:20 - Speaker 2
I'm so glad you brought up the like you limit things that you buy on Amazon. You let them sit in your cart for a little bit because I have added things to my cart, i put save for later and then I'm like I'm gonna check back next week and if I really want that still I'll get it. If I don't, i have like 40 things in my shopping cart that I put in years ago that I still haven't bought in. How much money if I totaled those up would it have been of useless stuff if I would have just impulse buy? 

0:45:46 - Speaker 3
there's something that I don't know if it's when you're scrolling Facebook or inadvertently, you see one ad that triggers you back. Oh well, i wanted to look at this and I'll, same thing, put it in my car. I'll do a save for later and then I'll go back and look and I'm like how did I get here? why am I looking at this product? 

and I do the same thing with audible yes like books will come up and then I'll be watching it a TikTok or an Instagram reel, whatever it is and I'll be watching and I'm like, okay, then I'll go over to audible, put it on my wishlist for my library. And then a couple weeks later I'm going back. I'm like, how did I get here? why do I have this book in here? because it's not in any type of alignment with, you know, other books that I have read. So it's the same thing. It's crazy. It's crazy. 

0:46:32 - Speaker 1
Yeah, gotta have patience with that you know they spent a lot of money. I when I say they, i mean companies like Facebook and audible and Amazon and all the things to you know use everything that we put out on the internet to make you become an impulse buyer to. I mean there's. You know there's seven primary spinning triggers, but I can tell you like the most common ones are emotional and impulse, and the third one is status, so like keeping up with the Jones style stuff. Yeah, you know every like I'm not the only one in the world that knows that and I imagine you know there is not a marketer out there that doesn't know a thousand times more about spending triggers than I do the psychology behind what they're trying to. 

Yeah, yeah, affect within a person so they do it on purpose and you know good on them, like, for you know, you know it cracks me up when I'm like thinking about something and I know I haven't said it out loud and the next thing, you know, i'm getting an ad because, obviously, like my, you know, the mind map that I took to think about yeah, for item it was I somehow, you know, put that out into the universe on the computer somewhere, plus on that in the actual, you know, universe energy, and so it's important for us to stay mindful in in our money, because it's everything that's out there these days is out there to try to pull you out, pull you out of mindfulness yeah, and I like that yours is. 

0:48:14 - Speaker 2
You're talking about getting a relationship with your finances, whatever situation you're in. Because when you see these ads on Instagram where the guy's like leaned up on his nice car and he's like I'll tell you how to make seven thousand dollars in a week, or like the Dave Ramsey's I I appreciate Dave Ramsey for what he is in some people it works super well for, but like I couldn't adopt his philosophy because I can't live debt-free. I'm constantly in debt with with real estate. So I think everybody has a different state of around. 

0:48:47 - Speaker 1
I have a lot of feelings around the idea of debt-free. To be honest, i also don't believe in zero-based budgeting, like there's a lot of. I have a lot of philosophies that a lot of the gurus out there tell you, and I believe that those philosophies are built for wealthy people. 

They are not built in a way to allow anyone who does not already have money to truly thrive, and grow wealth and unfortunately, it's not really presented that way and so it creates a lot of the people that I meet are in a really bad situation because of those philosophies that they tried to adopt with no support and no real guidance, and it's not realistic, yeah it's just not realistic and also, like, my biggest problem with a lot of it taking even if you take all of that away is, i believe it pulls you into scarcity and I just, i just don't believe in living life in scarcity, i don't yeah. 

0:49:44 - Speaker 2
I think you just have to fully understand your lifestyle. A family of five or six with kids running around is gonna have a different yeah, i know that's why I pulled you in or that's gonna be different than like the dinks who live next door with two dinks. Are you'll income? no kids, so your finances are gonna be completely different. So like, yeah, there can't be one roadmap for both of you. You need to understand your positions. These, these people are gonna buy more kid toys. They're gonna buy kid toys. These people are gonna buy adult like cars and boats, because they can. 

But you just need to understand where you're at in overall. Like the main thing that I always stress is like get your needs done. Your needs have to be there. Don't even dabble in the boats, in the, the planes, if it's not even a thing. You need to get your bills paid and get your stuff done and then go into your wants and I want you to spend on your wants because you need to enjoy what you're doing. But if it's, if you're setting yourself back and you're going into debt to do that, to keep up with the Joneses, like, where, where is that wealth building gonna start? where are you gonna start planning to buy a house. 

0:50:53 - Speaker 1
That's the part where I'm like just understand your situation and then attack it from there sure, but I also think you know one of the reasons that I teach it the way I do it is because I believe that if you're truly honest about what you want, you don't actually want all that crap. 

Yeah, there people who would choose to not to be homeless and live a no-mad life and like that's cool. Yeah, when I, when I talk about, when I talk to, because I mean I actually let know a lot of people in the no-mad lifestyle. I travel a lot. I could never do that. I have to be able to. I travel a lot, but I still have to have like a home base to come in and decompress. I have dogs obviously you hear Fennie being insane um, but I ask people sometimes like that, you know, i tell people that you don't have to sacrifice the things that you want for the things that you need, and they're like well, like I want, i want to quit my job, and like I want to do this and go on a like world motorcycle trip and I'm like do you really want to do that? 

0:52:03 - Speaker 2
yeah. 

0:52:05 - Speaker 1
I'm like what about your kids? What about this? I was like no, i mean, that's maybe a dream, like, maybe that is something that you have, you know, over What's the word I'm looking for? Like you know, you've, oh, like over extend. Yeah, well, no, you've glorified this idea, Oh I got you. 

I'm just saying but when you actually look at what you really want, you don't. You're just trying to make yourself feel like you don't have the life that you want because you hate your job or you do this. But if you just made it a few shifts, you could have everything that you wanted, because you don't actually want this thing that you're trying to glorify. You know, yeah, they just keep telling the same story. 

0:52:49 - Speaker 3
So they feel like they have to itself self perpetuating, like they keep telling everybody I'm gonna do this or I need to do this, And then you never get back to the root cause. It's like when you're talking to a kid that's crying. After a few minutes you're like do you remember why you started crying? What caused you? so it's very similar to that type of situation. You keep telling everybody I'm going to go do this, I'm going to go do this, And then you're holding yourself to that standard. And then you're thinking that people are doing the same thing And you're like just step back. And it's like you don't, that's not not that it's not true, But that's not what you really want. 

Like, find something that are more realistic, or you know, dig down to the core of what is behind that, or what is at the base of Yeah, and I think the big key to do that is the journal that you have. 

0:53:34 - Speaker 2
So if the listeners here don't have anything, i would take a look at your journal, because when you self reflect on what you are doing and actually take a look to sit with with where your goals are and what you want to do And a big, big piece of that I think every financial advisor out there talks about journaling or writing down, kind of what your goals are. So I think that's an important piece. So it's super cool that you got that out for your clients And I'm sure you you have them do that as they come on, as their home buying process starts. 

0:54:05 - Speaker 1
Yeah, So I have yes, absolutely So. a lot of my real estate clients and my coaching clients, like a lot of them, end up kind of intertwined, which makes sense, right. Like I mean, I start, I built my real estate career on helping people with a lot of these financial philosophies. I taught it for a long time. I just now teach it to people that are not just my real estate clients. 

0:54:32 - Speaker 2
Yeah, and then you're going to slowly, slowly, as this thing keeps going and going and you have more clients that last seven years, you're going to be the miracle worker in the area, like everybody's going to come to you to get the problem done. So you set yourself very, very well. 

0:54:47 - Speaker 1
Yeah, so I am the marketer is interesting right now, so it should. it should be nice and fun for me for a while. Like I said, i, like you said before, i absolutely like the challenge. 

0:54:58 - Speaker 2
So yeah, that's cool. Well, i'm looking forward to seeing some more good things from you and your future. So we did come up on an hour, so we have to cut it off, but thank you so much for the info. We're going to put your books in the show notes If people have questions. I know that you work primarily in the Colorado area, but if people had questions for you, what's the best way for them to reach out to you? 

0:55:25 - Speaker 1
The best way is probably you can contact me on my website, which is charisa turnable turnablecom. That's probably links to buy my books and stuff for there as well. And then, of course, like I'm on social media And then I can't, my email is charisaturnable at gmailcom as well. 

0:55:44 - Speaker 2
So awesome, awesome. Well, that's super cool. Congratulations on what you've built. Like that is impressive. one and two like I really hope things keep going well for you in this area, because I know that it's a, it's a I'm not going to call it a market but those clients they get overlooked sometimes. So I appreciate hearing from somebody who's actually taking the time to like get them through the finish line. That's super important. So kudos to you on that one. 

0:56:15 - Speaker 3
I want to ask one thing real quick, if I can, before we wrap. With regards to how you said you helped a client, they rented out your property and then you turned it into them buying the house from you, right? Is that an avenue that you'd explore further to like do with more clients, like find something that they want, buy it, hold it, rent it to them Like a rent to own, kind of, well, kind of. but then you guys either split the equity and be like hey, you guys have been paying this for X amount of years. 

0:56:45 - Speaker 1
That's funny that you say that My mom and I have actually been talking about an opportunity to do that with some of the properties here, because we have a lot of the you know, the FHA conventional stuff getting in the way still, like I was talking about earlier. So, yes, absolutely I. The only thing is I don't necessarily believe that it's always a good idea for the listing agent and the buyer's agent to be the same person, and so I don't always, even though, like I will make more money I don't always recommend that type of relationship because and then, like when you own the property as well, it can become clouded, and so, yes, but with very defined expectations. 

0:57:51 - Speaker 2
Okay, that is a great way to put it. I second that one. 

0:57:55 - Speaker 1
Something else curious about, so yeah, we, we do that with a lot of our sellers like so we will pay for a lot of their renovations and stuff. So we do that kind of on the other side. 

0:58:09 - Speaker 2
That's cool. We didn't even get into that side. Yeah, we left things on the table here. Well, we will have to connect with you again soon, but again, i appreciate the time. Thank you so much, enjoy your weekend And hopefully you guys don't have bad weather anymore. I heard there was like a hail storm. 

0:58:27 - Speaker 1
Oh my gosh, it's been crazy here. It seems to be like on the tail end and it's supposed to be nice this weekend. 

0:58:34 - Speaker 2
So nice, we'll have a good fourth of July with the nice weather out there. 

0:58:38 - Speaker 1
Yeah, you guys too. 

0:58:40 - Speaker 2
Awesome. Thank you, thank you. 

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