Podcast 147. Build to Rent For Sustainable Profits with Flint Jamison

Average Joe Finances:
0:00

Hey, Welcome back to the Average Joe Finances Podcast, everybody. I'm your host, Mike Cavaggioni, and today's guest is Flint Jamison. So Flint, super excited to have this chat with you today. Thanks for joining me.

Flint Jamison:
0:11

Yeah. Thanks for having me.

Average Joe Finances:
0:12

Yeah, absolutely. So welcome to the show. This is the Average Joe Finances podcast. And one of the things that I love to do, the very first question that I ask is we wanna know more about you. So we wanna know your story. If you wanna go as far into your background as you want or as little as you want, that's fine, but tell us who is Flint Jamison.

Flint Jamison:
0:32

Yeah, I'll hit it at the high level. So I'm a mechanical engineer by education. Went into aerospace, been doing that for 20 years. I'm a program manager. I have my MBA but I want out of the rat race. So 2018, I started investing in real estate. I did my own duplex. I burned that property. And then very quickly moved into syndications, started educating myself in syndications from there. And then this year has been pretty big. Got an apartment, did a fund to fund with about 700 units, and then now I'm getting into build to rent coming up here in October, November.

Average Joe Finances:
1:07

That's pretty awesome in just a, four year span, really almost four years. So 2018 you got into real estate investing. You bird, a duplex. That's awesome. My first rental property that I bought when I first got into real estate investing was also a duplex. It was pretty funny. A lot of people start off that way. And then you got into syndications, right? Yeah. Did the fund to funds, which it's funny because off camera we were just talking about that a little bit. Yeah. And now you're getting ready to do build to rent. That's something that's newer that I don't think too many people talk about. You hear about it a little bit, that's pretty interesting. So actually, if you don't mind, I'd like to take this down that road.

Flint Jamison:
1:42

Yeah, absolutely.

Average Joe Finances:
1:43

I've had plenty of syndicators on the show. We talk about that all the time. I think I've had one other person slightly talk about building to rent but we didn't really get too deep into that, so I think this would be a really really good topic to talk about. If you could just right off the bat, what is building to rent?

Flint Jamison:
1:56

Yeah. So Build to Rent, it's simply put, we're building a community of homes. It's like we're building a housing development, but the goal is to rent these houses. So taking it one step further is because the goal is to rent the houses, we will put amenities in just like your class A apartment, buildings. We'll have your clubhouse, we'll have property management, we'll have onsite maintenance dog round, whatever it may be. And then on top of that, these houses are starter home. Because the US is seriously lacking in starter homes. So we'll do a 1,000 to 1,500 square foot homes. There'll be two by twos, three by twos. Yeah, just a nice little community for people to bridge that gap from apartments to houses, because the affordability these days, people can't afford to get in.

Average Joe Finances:
2:42

Yeah. That's great. Yeah. So small families starting off that, or the two people that met each other that were living in an apartment, they wanna start a family like, Hey, we wanna get that starter home. There's not really much out there to choose from, especially if you want to go at it from a renting standpoint, if you're not ready to buy a home yet. So having something like this ready and available, that's that's pretty good. You're building entire communities, right? So you said you're gonna have the the clubhouse and everything, any type of dog runs or parks. So what does this compare I guess maybe cost wise doing it this way versus just building like another Class A apartment complex?

Flint Jamison:
3:16

Cost wise it's less to buy homes. Building a big apartment complex, you're building a big commercial building. The other thing I really like about it is we can build, say 10 homes at once and as soon as those 10 homes are done, we can occupy them while we're building the next set of 10. From an investment standpoint, we can start cashing much sooner than an apartment building where it has to be a hundred percent complete before you can even occupy it. So you may be set back two years on a big apartment building. Yet we have to put in all the roads, utilities, to everything. That's probably a little bit more complex than maybe in an apartment building. But from a structure standpoint, these little cookie cutter homes are much cheaper.

Average Joe Finances:
3:55

Yeah. So when you especially since you have to build like the roads, install all the utility systems and everything, does, do you add that in as a cost, like in the rent, as like an assessment or something like that? Like over a period of time that before it gets paid. And then you know it's not getting charged anymore. Like how does that work?

Flint Jamison:
4:12

I guess I don't understand the question. Maybe let repeat that.

Average Joe Finances:
4:16

For a lot of developments or if there's a lot of like big work that needs to be done just on the real estate side, as a real estate agent you'll see like an assessment come out because several repairs had to happen to a street or to a community, and basically the assessment goes out to all the people that live there and then they wind up having to foot that bill.

Flint Jamison:
4:34

Yep. Okay. I'm with you. There's the whole entitlement phase. Maybe we got to back this up a little bit more. And hopefully I answer your question. So we buy raw land, we may have to rezone it, we may not. From there it's all the entitlements we have to get the engineering approval. We have to get environmentals a whole list of things that have to get done. And yes, there may be costs there. One of the things we're doing for our build to rinse. The partnership I'm working with is buying the land and paying for all the entitlements before we bring investors in. So all of that stuff is resolved. Yes, you may have to go to council, get votes. There is the, not in my backyard communities that'll vote things down, right? So one of the things to, to buy down on all that risk up front. The partners are funding that whole bit. Once we're ready to cut dirt, we call it the horizontal bill, where we're putting in the roads and utilities, that's when we get investors in because all of the engineering and everything else has been approved. Does that answer the question?

Average Joe Finances:
5:30

Yeah. Yeah. So basically you guys are gonna foot the bill right up front and it's not, so that's gonna be a, an over time cost. Okay. On now. Okay. So what does this process look like? Cause you said that this is gonna be faster than right. If you were to stand up a brand new apartment building, as you're building these homes, you could start putting tenants in right away. So are you, yeah. Is your focus like, okay, we're gonna get this block finished first before we start working on the next one? Or like, how does that look as you're building, are you trying to do everything all at once?

Flint Jamison:
5:58

We're gonna do. I guess it's no different than like Richmond Homes building a housing community. They just, they start on a block of homes and go, and that's legitimately who we are partnered with as a housing builder. So they choose their most efficient path to build these homes. So once the roads are in, then we start popping houses up.

Average Joe Finances:
6:16

All right. Awesome. Yeah I just I'm curious because like you know. A lot of people when they're gonna invest their money into something like this and, it takes time right before they're gonna start seeing a return.

Flint Jamison:
6:26

Absolutely.

Average Joe Finances:
6:27

So this is a little bit different than going into like your standard value add syndication .Yeah. And I'm just trying to like really get that out there so people that are listening right now aren't thinking what happens when I put my money into this and when can I expect anything back?

Flint Jamison:
6:41

Lets play a timeline. Right now, these numbers are still tentative, but for 158 homes we're looking to put in we'll do, we'll cut the dirt in say, November of this year, November 22. In March or April next year, we're planning on doing the vertical build, which is the houses, and we should have 158 homes built within 24 months. So you can, I'm just gonna throw out a number. Let's say it takes. Four to six months to get that first block of houses. That next block of houses, we plan on doing almost 10 houses a month. So there is, it's almost like an assembly line. We may even speed things up by going prefab where you get these pre kits that you assemble and they pop up in one to two days and then you put the guts in. These things can go up pretty quick. They are very small. A 1,000, 1,500 square foot homes can be, get popped up quick. So we think we will be stabilized within 24 months or 24 to 36 months, occupied and paying rent.

Average Joe Finances:
7:35

No, that's great. That's, and that's really fast when you think about it, like putting up, you said 158 homes. That's super fast, so you guys definitely have a good plan to to make that go through. And pretty fab. Yeah, that's definitely gonna speed things up if you guys go that route. I've been finding it fascinating seeing some of these newer homes, like the tiny homes that come that are just like, ready to go. You just unfold them, bolt them together, and it's boom, everything's ready. It's crazy. I even Elon Musk Cliff's in one of those right now.

Flint Jamison:
8:00

Yep. You know what I really like is the printed home. With printers.

Average Joe Finances:
8:03

Yeah. Have you looked at that as an option?

Flint Jamison:
8:05

We're geeking out about it right now and we know some people that do it. I have a lot of questions around it. I don't think our builders ready to go there. I think our builder right now, his first step is going from just stick build to looking at prefab. Now the interesting part there, prefab homes aren't cheaper than stick build, but when time is money. At the end of the day, it may be cheaper because you're not paying for all that labor for months. It just pops up.

Average Joe Finances:
8:29

Yeah. So the cost of materials is the same, right? So it's still the same amount to buy everything that you need to put that house together. It's just the labor's gonna be less. And then also the time period too. Like the sooner you can get somebody in there renting, the sooner it starts cash flowing and cutting away some of these costs that you guys are accruing while waiting to finish up the development. No, that's a great point. Now what about like the cost effectiveness of. I guess you said you were geeking out about it, so what's kinda like the cost effectiveness of a 3D printed home? Because is that, is it price here or is it more cost effective cause you're looking at strictly concrete? Like what is that looking like?

Flint Jamison:
9:06

I have no idea, to be honest. We haven't been down that road enough. What I do know is when my partner said that the cost of concrete, so I'm not in, in the day to day on cost of materials, but he said costly concrete. It would be more expensive than the stick build, but you get a very robust home when you're done. It's built out of grided concrete.

Average Joe Finances:
9:26

Build those things in a tornado valley and, you've got the set in stone, so to say.

Flint Jamison:
9:31

Yeah.

Average Joe Finances:
9:32

They ain't going nowhere,. Flint Jamison: And they may be really I get to the limits of what I know. Okay. Yeah, that's fair. That's fair. All right, so let's talk about like your pathway to get to where you're at right now. So you started off with the duplex, you got into syndications. Now did you start off doing like value add syndications? Like what you typically see buying a kind of. Not really beat down, but a, apartment complex that needs some love and getting it built up and starting off that way. Now if you went, went down that path, what made you decide to go into the development side right now? Like with what you're doing right now? What kind of made that switch happen for you instead of continuing to do like value?

Flint Jamison:
10:14

Yeah, there's a couple things. There's a lot of value add opportunities that I will still bring to my investors. So I'm a capital raiser and I partner with very experienced teams that have a really good track record. So I feel super confident when I'm bringing my investors to a deal that I'm bringing them to somebody who has some serious track record. The last raise we did was a fund to fund. It was a portfolio of three properties two different states. And with the interest rates going up, it's becoming a little bit more challenging. And on top of that, I saw the returns of build to rent being so much better than your standard value add. Cause you're, we normally go in with a five year plan, 15% IRA or better. With Build to Rent we can technically double your money in a lot less time. Also built to Rent brings multiple exit strategies. Let me go down that rabbit hole really quick. So we get done stabilizing, we occupy all the homes. We could turn around and sell the development to just some institution that wants to own it. We could write it out for cash flow. This one in particular we're getting into is in an opportunity zone, so we'll probably write it out for 10 years and For those who don't know opportunity zones, most of them you get to write off all of your capital gains at the end of that 10 years. So all of your earnings are come out tax free. If you want, you can cash out Refi when you need to, you can sell each individual home off to investors, you could partner with a broker and sell homes off to, I was thinking investors, but you could also just sell them as homes to people that wanna buy. There's so many different exit strategies. I'm even hearing that people are getting 60% done with their bill to rent and an institution comes in and buys them up and just contracts them to finish it out. So like that could be like 12 months in and you get bought up and double your money in 12 months. So there's all sorts of strategies. It is hot right now, bill to rent is super hot. It is 60 to 75 billion dollars of institutional money just getting funded to go into these.

Average Joe Finances:
12:11

Being able to double money in 12 months is is pretty darn good. If you ask me typically when you see that, Happening in a syndication over a three to five year period. If you're doing it between 12 months to three years. That's pretty bonkers if you ask me. Yeah. So yeah, that's awesome.

Flint Jamison:
12:24

I don't advertise that. That's just when an opportunity comes through, but yeah.

Average Joe Finances:
12:28

Yeah. Not everything's a home run. But you need to get a couple base hits and eventually those RBI's gonna be coming in. Just keep getting those base hits. But yeah, every now and then you're gonna hit a home run. And if you hit a home run with the bases loaded, that's a grand slam. Gonna keep the baseball analogy going there.

Flint Jamison:
12:41

Yeah.

Average Joe Finances:
12:42

Alright. So like how would this compare to cause I know a lot of people are looking at different options now as long as it's something that's gonna give them a good return. So people looking at, still sticking around like the single family route or like we talked about before just regular value add syndications. What about like self storage? Like how does self storage compare to something like that.

Flint Jamison:
13:01

That's a metric I don't know. But I love self storage just personally and I hope to bring self storage to not only me as an LP, I'd love to invest in self storage, but I hope to partner up and bring some to others cause it is, it's strong returns. The difference is, I think the biggest thing is getting into build to rent, you can't anticipate cash flow. So if you need to live on like paychecks, like you've got enough money and value ads and you're counting on that cash flow. This one, you'd need to be invested for the long haul. And like I said, the long haul may only be two or three years, or if you want the opportunity zone, write it out for 10.

Average Joe Finances:
13:40

Yeah, no, that's a great point. I think this has been said a lot on this podcast and you hear it a lot on other podcasts as well, but real estate is not the get rich quick thing. This is a build wealth over time thing, right? You wanna be looking 5, 10, 15 years down the road. Not what am I gonna get right away? If that's the case, then go do short term rentals, right? That's gonna be the quickest way to make money and cash flow which is getting a lot tougher to do. And on that side of the house, because of all the regulations that are coming out a lot of the bigger cities are saying no. I can't do this no more. So you're starting to see a lot of that happen.

Flint Jamison:
14:13

Not in my backyard.

Average Joe Finances:
14:15

Yeah, exactly. Exactly. You got to be careful with that. The thing with what you're doing though, you're building a whole community in itself. So the neighbors complaining is the neighbors complaining to you, right? Because you're building the entire development. I did find that very interesting though that Some people are doing this and like halfway through a project, you got institutions coming and saying, Hey, we wanna buy this from you, just to have it right. Because they're looking at it as a tax write off for those larger corporations. It's crazy when you think about that the, some of these larger. Corporations that are coming in and just scooping up all the real estate, making it harder for the Average Joe's out there to go out there and do it. That's why you got to scoop it up as much as you can right now. So yeah. So actually, what are your thoughts on that? What. If you guys were putting this development together, and let's say BlackRock comes in and says, Hey, we wanna completely buy all this from you right now. What would you think about that? Cause I know you're looking at this right now, it's the opportunity zone to have that 10 year complete write off. If they buy it from you, you're gonna be paying taxes.

Flint Jamison:
15:11

Yeah. That is the best problem to have.

Average Joe Finances:
15:13

It is.

Flint Jamison:
15:14

We plan on doing more.

Average Joe Finances:
15:15

Having that choice.

Flint Jamison:
15:16

Yeah. We plan on doing a lot of properties or a lot of build to rents. We are just getting started. We already have some land figured out for the next one. But I think the best solution would be, Hey, they're gonna buy this out for stupid amount of dollars. We're gonna 10-31 and move you guys into the next one. Now it is a challenge because we have to keep investors interest And moving out to that opportunity zone and people just expecting to ride it out for 10 years, I think at 10-31 is probably the best compromise. They may not be able to get that opportunity zone unless we 10-31 into another opportunity zone. So that is a challenge. I don't think I have an answer for you, but I would love to have that problem.

Average Joe Finances:
15:57

Yeah, no, that would be a great problem to have. Okay. That was just more of a curious thing now. With any type of investment, there's always risks. So what would you say would be some of the risks that you would see that are different compared to going into like your standard value add syndication with doing a rent to, or bill to rent?

Flint Jamison:
16:14

Yeah. I just got to use recent history for those risks. Like back in 2019, no one would be like, oh, global Pandemic is gonna shut the world down. And that's my biggest risk. We just didn't think in those terms, but now we do. So the cost of lumber skyrocketed for a bit. Now it's coming back down. It's eased. It's still high, but if we're in Ukraine, Something happens the global supply chain. Yeah I guess that's the biggest risk or then there's always the act of God stuff that, like pandemics that you can't control. But from an investment standpoint, the way I see it, the latest metric I saw is the US is so far behind on supply of single family homes to the point where we have to build two and a half million homes a year for the next decade just to catch up. So there is such a demand problem right now that we cannot provide citizens with enough homes that if we can just do something, and this is another thing I really like about it. Value add. You aren't creating more homes, you're just updating the existing ones. With this one, we are creating more homes and helping that supply deficit.

Average Joe Finances:
17:24

Yeah that's actually a great point and something that probably doesn't get talked about too much. I had a guest on not too long ago, and we were talking about they were converting a hotel. Into an apartment complex. And one of the cool things about that conversion is that you're now adding, more housing, right? Versus having that temporary hotel that was there that wasn't really helping. You could have kept at a hotel and it would've cash flowed fine after fixing it up. But, being able to provide so, More housing. It's just when you're looking at what's happening in the country right now, I think that's huge because a lot of people don't look at it the giving back aspect of what people do as real estate investors, right? A lot of times Real estate investors get vilified. They're greedy and they're just trying to make money. Look, everybody's trying to make money. Everybody wants to escape the rat race in their own way. But when you can find a way to employ your dollars to make money for yourself for your family, and be able to give back to communities, right? By providing good, safe housing you really, I. People don't look at that other side of it and it just drives me nuts. So that's why I like to talk about that on my podcast because I'm hoping that, there's some people out there that are listening that are saying, there is that other side of it that, that people don't talk about too much and let's go preach that message. Let's go preach that side, I think that's important.

Flint Jamison:
18:40

There's a lot of municipalities out there that are now encouraging bill to rent or just new development in general because they know that they need more homes. And so the whole NIMBY thing that really caused there's a lot of things, but the not in my Backyard communities put a stop to the building and now we're hurting because of it. The local economy can be hurting cause of it. Municipalities have turned around now they're advocating and it's making it easier for us to get zoning and entitlements in place.

Average Joe Finances:
19:08

No, that's great. Not where I live at really. It's always hard to get that stuff out here in Hawaii. But there's only so much land that we have.

Flint Jamison:
19:14

Yeah, it's true.

Average Joe Finances:
19:15

All right hey, so I'm curious now, this is just a personal curiosity of mine when it comes to if somebody want to use like a self-directed IRA into a built to rent versus, cause people do it right now with value add syndications is it the same way? Can you still invest it the same way as you would the other type of investments?

Flint Jamison:
19:35

Yeah, absolutely. We're a syndication through and through. We follow 506 B or 506 C reg rules. It's no different than the value add syndications, it's just the returns in the business strategy are a little different on how we manage it.

Average Joe Finances:
19:47

Okay, fantastic. So it, for an investor, it'd be treated the same way. Just you're not gonna get that first distribution maybe for two and a half, three years. So something like that. Okay. No, that's cool. Definitely good to know. Yeah, I think that's really it for the questions that I had regarding that I think this is definitely a good topic to talk about when it comes to build to rent. Again, haven't had too many people come on and talk about that. And I think it's I think it's fascinating especially when somebody goes from. Doing value add syndications to now, this is development, right? This is real estate develop development. So I think that's really cool. Alright. I wanna transition this into something that we call the final round. It's where I'm gonna ask you four questions, same four questions that I ask every that comes on the show. Three of them like hard hitting. We wanna know how Flint reacts when he's under pressure or gets put in a tough situation. And then the last question's in a opinion based question. So if you're ready to go, we'll get this party started.

Flint Jamison:
20:40

Yeah, let's do it.

Average Joe Finances:
20:41

All right, Flint. I'm gonna keep this on the real estate side, so I'm gonna say, what's the biggest mistake you've ever made in real estate

Flint Jamison:
20:48

So a year ago today. I'll try to keep the story quick, but we could get in a rabbit hole. I tried to do my first indication with a bunch of new general partners, and it was a 23 unit here outside of Denver. Everything went sideways on our side. No investors were harmed, but I lost a lot of money, like the earnest money down. I learned a lot in all of that. I do diligence, inspections, a slum lord for. A seller, really. The previous owner was a slum lord, and he should care less about anybody else in the world but himself. Yeah, I failed big time, lost a lot of money, but I kept going. So that's the key.

Average Joe Finances:
21:23

You know, what, the fact that you kept going is great because, for those of us that have been in real estate for a little while, we understand that when something like that happens and you lose that money. Basically you just paid for education, right? So you got yourself a good education right there. You know what not to do on the next one. Which actually I I'd like to know what was the difference between that first one that you did and the very next one. Like what kind of lessons learned did you take with with yourself to the next deal that you did?

Flint Jamison:
21:49

I think the biggest one. Out of all of the failures. It wasn't just one, but we weren't successful enough at raising capital, so I immediately took that weakness, turned around and found some mentors that could teach me how to raise capital. Within three months of there, I got invited on a deal with some experienced partners and we raised from there. And then that's how I got my first GP deal.

Average Joe Finances:
22:13

Awesome. Right on. Okay. So good lessons learned from that and and moving on. So actually this next question kind of ties into all that too. So what is something that you've learned that you wish you knew when you first started?

Flint Jamison:
22:25

I tried too hard to know everything. For one, take action. I learned via podcast for too long. I needed to jump in and get some sort of educational program for one and two. Network, cause this is a team sport. You have to find your team members. You don't have to know everything. Somebody else out there is gonna compliment your skills. Let them be the expert in the other thing that you don't want to be an expert in. But it's all about taking action quickly before trying to learn everything.

Average Joe Finances:
22:52

Yeah that's awesome. You do need to find the people that will compliment your weaknesses, right? You have your strengths, you have your weaknesses. You wanna find the people that have the strengths that are on that side where you're a little weaker, right? And that's how you build a strong team in anything, right? Not just real estate. But if you take simple team buildings that. Strategies. And apply that to real estate. You can really take it to the next level. That's awesome. All right. Next question is, do you have any tips or tricks that you would recommend to someone that is just getting started today?

Flint Jamison:
23:23

I think I got to reiterate what I just said. You got to network and educate yourself. Don't be too stingy with your money. There's courses out there that's a thousand dollars, go spend it. I'm not saying go spend the$30,000 for a proper mentorship. You don't have to do that. I didn't need to do that. But at some point you will need to spend money beyond books and podcasts to get into some course, or attend some conference.

Average Joe Finances:
23:49

Yeah, no that's a great point. Besides the networking piece like you said too is that take action piece and sometimes the right appropriate thing to take action is maybe buying a course, right? Education is huge. That's one of the things you need to do, you have to get out there and take action and make it happen. So that's true.

Flint Jamison:
24:04

Invest in yourself. Yep.

Average Joe Finances:
24:05

Yeah, that's, and that's the very first thing, like before you start investing your money into real estate, invest it in yourself first so you understand what you're getting yourself into. I think a lot of people just jump in too blindly. And then you wind up paying for that education, right? You'll pay for it. It'll just be in a different way and maybe not as cost effective or stress level, it's gonna elevate your blood pressure. All right. Final question of the final round is, do you have a favorite business investing or real estate related book or podcast, or, both?

Flint Jamison:
24:35

Yeah I got so many, but I'll keep it short to maybe just a couple. Hunter Thompson wrote a great book on, on raising capital for real estate. There's a few key points in that really got me started out of the gate when I went into that second property where I was actually able to raise money podcasts. God, I got so many good friends that do podcasts. I'd love to, to shout them all out. Like Julie Holly, the Conscious Investor, she's a buddy of mine. She does a great podcast.

Average Joe Finances:
25:01

Oh yeah, her podcast is great. It's one of the ones I listened to.

Flint Jamison:
25:04

Yeah. Nice. I got my start with Michael Blanc. I'll have to give him credit. I listened to him for almost six months straight. That was a good educational platform.

Average Joe Finances:
25:11

Okay. Yeah, definitely some great recommendations. Do you know the name of Hunter Thompson's book?

Flint Jamison:
25:16

Yep. It's called raising capital for real estate.

Average Joe Finances:
25:19

Okay, cool. Simple enough. All right. Yeah, definitely a great recommendation. I have not read that. That is going on my list. These kind of questions, it's selfish for me, but I get to do that as a podcast host, right? And I get to get these great recommendations for books to read or other podcasts to listen to.

Flint Jamison:
25:33

Yeah.

Average Joe Finances:
25:33

Definitely appreciate that. All right, Flint. This was super awesome, man. Definitely educational. I learned a little bit more on the built to rent side of the house, and I'm glad we got to talk about that more than just a passing conversation. So I think I think that's really good. So I appreciate your thoughts on that.

Flint Jamison:
25:49

Yeah, thanks.

Average Joe Finances:
25:50

And one more final question, and this is probably the most important question of all, and that is, we had this awesome conversation. People were like, man, I got to learn about build to rent and I wanna know more about Flint and what he's doing with this. So if you could, where can people find more information about you? Do you have a website, social media, anything like that you could share with us?

Flint Jamison:
26:11

Absolutely. To learn more about Build to rent, I think it's easiest just to sign up on my investor club. It's at vestuscapital.com, V E S T U S capital.com. If you prefer social media, I'm on LinkedIn all the time and I'm pumping out lots of education. It's just linkedin.com/flintjamison.

Average Joe Finances:
26:29

All right. Awesome. I will make sure I have those links in the show notes. Make it easier for everybody that's listening right now. You can copy and paste or click away. Just don't do it. If you're driving right now, please just don't do it. Definitely appreciate it. Hey, Flint, this has been an awesome conversation. Thank you so much for joining me on the show today.

Flint Jamison:
26:46

It's been great. Thank you.

Average Joe Finances:
26:47

Yeah, absolutely. Hey, and to my listeners, thank you so much for joining me and our special guest, Flint Jamison, on the Average Joe Finances Podcast. Go leave us a five star review and tell us what you liked about today's episode with Flint and Aloha from Hawaii have a great rest of your day.