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Interview David and Dorothy Shearer

Are you curious about private lending but unsure if you have the right background to succeed?

From the outside looking in, the world of private lending and borrowing, building real estate deals, and securing your financial future through infinite banking concepts seems intimidating. The thought of handling all of your finances alone can be enough to overwhelm some.

However, the reward for facing those fears and boldly pursuing private lending opportunities can be gratifying. David and Dorothy Shearer are a testament to the fact that, with enough determination and knowledge, anyone can enter the world of private lending and experience success.

Keep reading to learn about their inspiring story and how you, too, can venture into private lending as part of the Private Money Club community!

Who Are David and Dorothy Shearer?

Both David and Dorothy are long-time healthcare professionals with a drive to improve the lives of others. 

David is a physician who spent four years at the Cleveland Clinic Foundation in Ohio, then transitioned to the pharmaceutical industry, where he worked for about 20 years. Dorothy began her medical career as a full-trained nurse at 17, started studying for her doctorate, and taught at 13 major universities around the country. Additionally, she’s participated in quality and peer reviews for surgeons and holistic medicine. 

Even though they were achieving great things, medical school was expensive, and the resulting student loans left David and Dorothy with liens on education that were more than their mortgage. 

“Going to med school, as you know, is really expensive… 9.75% daily accrued interest, [which] actually exceeded our mortgage. We had that almost our whole married life, and we finally paid it off  in 2016, the old-fashioned way.” – Dorothy Shearer

David and Dorothy’s discipline and determination to live within their means deterred them from spending money on the rather extravagant things, but they were happy to have a home and make ends meet on their terms. However, they recently decided to find new ways to maximize their finances and make their hard-earned money work for them.

The Shearer’s Introduction to the Exciting World of Private Lending

David and Dorothy’s interest in departing from traditional retirement savings methods was piqued when Dorothy stumbled upon the book Rich Dad Poor Dad by Robert Kiyosaki in February of 2022. 

She found the book intriguing and started sharing its knowledge with David. In turn, David became inspired by the idea of making money from the concepts presented in the book. With their newfound interest in real estate, they both started looking for opportunities online and discovered the Money Multiplier, an idea that fascinated them. 

“Dorothy is like, ‘Yeah, I’m reading this book by Robert Kiyosaki, and it’s really interesting. Here’s what I’m learning.’ So I’m sitting back going, ‘All right, how do we make money off of this? … The bottom line is we don’t have time to do that right now.’ I started going online and exploring things, and I came across the Money Multiplier. … We had to review videos and whatnot on the Money Multiplier about 14 times [because it was unbelievable.].” – David Shearer

David continued digging into infinite banking and eventually found more of Chris Naugle’s teachings. Soon after discovering the Money Multiplier, they joined Private Money Club and attended events to learn about applying the infinite banking process in lending. As they built their understanding of the concept, the Shearers became excited about the endless possibilities there were. 

In addition to embracing infinite banking to grow their wealth, David and Dorothy quickly converted all of their traditional retirement savings into self-directed IRAs and Roths. This strategy gave them more control over their savings and increased confidence in their retirement strategy.

“It started to get really exciting. And frankly, it’s never dull. It gets more and more exciting with every bit of knowledge that we learn, that we pull in, [and] that we’re able to apply. Getting some policies in place, pulling money out of those policies, and entertaining multiple deals utilizing those policies [have] really been exciting.” – David Shearer 

Amazingly, Dorothy’s discovery of Rich Dad Poor Dad led them down a path that changed their entire perspective on financial growth. What started as an intriguing idea developed into a full-fledged personal lending business, and they’ve even formed an LLC to handle deals through Private Money Club.

How Private Money Club Expands Private Lending Knowledge

Private Money Club (PMC) is a community of like-minded individuals who have found success in private lending, borrowing, and even infinite banking. What sets this group apart is the focus on financial education and the collaborative nature of the network.

One of the most significant benefits of being a part of the PMC platform is connecting with fellow members from all walks of life. According to David and Dorothy, being in this community has allowed them to have conversations about private lending and infinite banking that they wouldn’t have had otherwise. 

“The conversations that have occurred on PMC have been great, and the Money Multiplier discussions have also been great. It’s really helped us from an educational standpoint, and it’s exactly how we learn. It also helps to establish that comradery … and a sense of trust that evolves over time. … As we talk to different borrowers that we want to lend to or have an interest in lending to, that sense of trust really becomes important.” – David Shearer

It’s not just about financial education, though. PMC also provides a platform for lenders and borrowers to connect. By hearing borrowers’ stories and learning about their goals, lenders like David and Dorothy can make informed decisions about who to lend money to. They have found that building relationships with borrowers is crucial to success.

In fact, the sense of community and support provided by PMC has been crucial to the Shearers’ success. They have been able to navigate the process of opening an LLC, a segregated bank account, and a policy thanks to the guidance and support of their PMC peers. 

Ultimately, joining PMC has been a life-changing experience for David and Dorothy. They have gone from traditional retirement savings methods to leveraging infinite banking concepts and private lending to grow their wealth exponentially. And they are just one example of the many success stories that have come out of this community!

Who Can Be a Private Lender at Private Money Club?

Private lending through the Private Money Club is possible for anyone with the determination and tenacity to! PMC attracts people who are eager to learn and grow in their knowledge of making real estate deals. 

The result is an active lending community dedicated to seeking new information and applying that knowledge to grow their portfolios.

Another appealing aspect of private lending is that it is accessible to people from all walks of life. Borrowers with various backgrounds, coaching, and experiences come to PMC seeking funding for their real estate projects.  

“The kind of energy and that kind of commitment that we’re seeing from some of the borrowers is just spectacular. And there’s something called intuition that you can’t explain. It’s just a magic sauce, and you know from ‘hello.’” – David & Dorothy Shearer

This diversity gives lenders a wide array of deal sizes, contract lengths, and terms to choose from. In addition, the fantastic blend of members provides lenders with seemingly unlimited ways to grow their private lending portfolios.

The Sky Is Literally the Limit for David and Dorothy Shearer

Private Money Club not only helps its members achieve financial freedom through private lending, but it also unlocks their potential to pursue their passions and dreams. One shining example is David, who just obtained his pilot license.

Dorothy has been a passenger on the plane twice, and while it was a little scary because of how small the plane was, she found it to be a liberating experience. 

“I’ve only flown with him two times. And he couldn’t fly with me until he got his pilot license. Now [these planes are] like toy planes. …When [David] lands, he has to actually push the plane — that’s how light it is. But David is a great driver, and he’s a great driver in the sky too.” – Dorothy Shearer

David’s passion for flying and the freedom it represents align with the core values of PMC. Private Money Club’s mission is to help its members achieve the freedom to pursue their dreams and live fulfilling lives, and that’s exactly what’s unfolding for David and Dorothy.

With the stability and reassurance of an entire network of like-minded lenders and borrowers at PMC, the Shearers can look forward to many more adventures in the future!

Unlock Your Private Lending Potential by Joining Private Money Club

If David and Dorothy’s story resonates with you, joining Private Money Club is the perfect next step to see what’s possible. The educational materials, community, and opportunity are second to none, and what you learn in PMC’s network is truly life-changing.

To get more information about how you can take control of your future through private lending, visit the website today!

Interview Jerry Lipsey

Are you looking for a way to take control of your finances and build wealth that spans generations?

We’re all looking for financial security and the freedom to live the way we want. However, relying on outside institutions like retirement funds, wealth management services, and banks may prevent you from achieving your fullest financial potential.

Instead of paying interest to the typical money institutions, you can take control of your future by making wise financial choices that open the door to a freer life by being your own bank. Infinite banking unlocks the secrets behind money and uncovers the mysteries behind wealth building. The result is a transformative money strategy that puts you in the driver’s seat of your wealth.

In this article, you will learn about Jerry Lipsey’s story on how the infinite banking concept has given him control over his dollars and opened the door for a more prosperous, fuller life.

Keep reading to hear how his strategy can serve as a model for building a more successful wealth journey! 

How the Impact Players Tour Introduced Jerry Lipsey to Infinite Banking Concepts

Since the early 2000s, Jerry Lipsey has diversified his financial system in many areas, including real estate. After short-selling many of his properties during the recession in 2008, he knew there had to be a better way to handle his finances that would make them recession-proof.

As the economy bounced back, Jerry began growing his rental property portfolio again in the mid-2010s. However, he still felt that he needed another level of security to build his financial empire. Then in 2019, he found the economic answer he was looking for at the Impact Players Tour.

During this event, Jerry met Chris Naugle and Brent Kesler, two masterminds behind the Money Multiplier and experts in infinite banking concepts (IBC). The strategies and insights presented by Chris and Brent at the event left a lasting impression on Jerry, transforming how he approached control of his money.

As a numbers-driven individual, Jerry recognized the potential benefits this particular strategy could offer. Although the approach required patience and time to yield results, he appreciated the promise of building wealth and leaving a lasting legacy for future generations.

“I knew it would take time. And I was like, ‘Am I willing to sit back and let wealth build the right way?’ Right. It’s not getting rich quick, but getting rich for sure — and staying wealthy. Then also leaving a legacy for future generations.” – Jerry Lipsey

After the Impact Players Tour, Jerry was inspired to follow Chris and Brent’s lead. He began exploring infinite banking and learned about its potential for real estate endeavors. While he started with an IBC policy of his own, Jerry quickly realized the true power of infinite banking came from understanding and utilizing the banking process itself.

As Jerry delved deeper into infinite banking, he expanded his policies to include those for his wife, children, and grandchildren. This strategy also allowed him to allocate funds from property windfalls and improve his overall financial standing. With a newfound focus on the banking process, Jerry found himself wiping out debt in a matter of months, improving his cash flow, and providing a consistent source of funds for his own real estate deals.

“I had wiped out [my] debt within like eight [or] nine months by literally taking the money that I was giving this credit card [and recycling] that money right back [into my infinite banking policy]. I didn’t have to pay that money to them. I was coming right back into my bank, and it just made it that much easier. And it was like I just had constant cash flow. .. You just feel like you always have money. And every month or so, it feels like it’s more money, you know?” – Jerry Lipsey

The patience Jerry exercised with his policies paid off as he began to see tangible results from his infinite banking policies. Now well into his third and fourth years with these policies, Jerry continues to witness their transformative effects on his financial situation. 

How Jerry Recaptures Money by Being His Own Bank

Innovative strategies are necessary to ensure success in real estate, which is why Jerry utilizes IBC. By leveraging infinite banking, Jerry recaptures the money he used to give to creditors, ultimately resulting in a more robust and profitable lending portfolio.

As a real estate lender, Jerry experienced the challenges of managing properties during uncertain times, such as the COVID-19 pandemic. Despite the obstacles he faced, he realized that banks were unwavering in their expectations, expecting monthly payments regardless of the circumstances. 

“Roofing, tenants, toilets, COVID, …  COVID really stole the show. I was like, ‘Man, people just won’t pay, right?’ … But the bank that was holding my notes, they weren’t worried. They were just like, ‘Mr. Lipsey, every first of the month, I expect a check.’ And, you know, [they] don’t care if the tenants didn’t pay.” – Jerry Lipsey

Jerry decided to take action by using his infinite banking policy to pay off the mortgage on one of his properties. By borrowing from his policy and creating a promissory note between himself and his business, he could recapture that interest and witness the exponential growth of his funds.

“I started sitting down, and I was adding up all of my debt. I was like, ‘How much money [am I] giving away every month?’ And I started recapturing that money. … It’s like [what] Nelson says, ‘Once you understand the problem, you’ll know what to do.’” – Jerry Lipsey

The power of this approach becomes apparent when you consider the alternative — giving away hard-earned money to third parties. By opting to pay yourself back with interest instead, you can harness the potential of natural financial laws and witness your money grow in unexpected ways. 

This growth, as Jerry puts it, seems almost mystical at times, as money continually returns with more than initially given.

Private Money Club’s Impact on Jerry Lipsey’s IBC Efforts

Private Money Club, an innovative platform designed to assist real estate borrowers and lenders, offers a range of resources that simplify the infinite banking process. Jerry believes this platform not only provides valuable support but also makes a significant difference in how people manage their money and grow their wealth.

To make the most out of the platform, you must efficiently keep track of your money. One useful strategy is maintaining a segregated banking account, which can help monitor cash flow.

“I sent [Chris] a letter. I was like, ‘Man, you know, I’m grateful.’ [This is] something that I thought would take me three to four years to do. It took me maybe eight or nine months, and now I’m able to take money and lend in PMC.’” – Jerry Lipsey 

Jerry’s own experience with the platform is a testament to its effectiveness. He initially anticipated it would take three to four years to achieve his financial goals, but leveraging the strategies taught in Infinite Banking and Private Money Club helped him reach those milestones in a fraction of the time. As a result, Jerry was able to expand his investments and even support family members on their financial journeys.

Although some people might initially be skeptical about this innovative approach to cash flow, the success stories speak for themselves. As Jerry’s financial situation improved and became more stable, those around him started to take notice and inquire about his strategies. 

“They see you a year later, and they’re like, ‘Jerry, you’re in Florida now and … what are you doing? You don’t go to work.’ I’m like, ‘Dude, remember four or five years ago when I was telling you about this banking process? .. I’m actually using it. [I’m] doing the process.’” – Jerry Lipsey

The key lies in embracing the infinite banking process and following the steps diligently. When you take the process into your own hands and pay close attention to your cash flow, the ability to multiply your money by becoming your own bank is truly incredible.

The Best Way to Build a Deal Through Private Money Club as a Lender

When branching out beyond infinite banking concepts and building deals on the PMC platform, Jerry Lipsey emphasizes the importance of establishing meaningful connections with fellow members. By initiating conversations and asking questions about specific deals or experiences with PMC, users can break the ice and pave the way for future collaboration.

“From there, I usually schedule a phone call if it’s [a deal] I want. I feel like I’m looking at what the type of deals that they have [and] how they’re presenting themselves on PMC. Then I’ll ask if it’s okay for us to meet either by phone call, Zoom, or something like that. And [then] we introduce ourselves to each other and discuss the deal that they have.” – Jerry Lipsey

As a lender, Jerry believes that it is crucial to represent oneself professionally and responsibly, similar to how traditional banks strive to attract clients. Demonstrating trustworthiness and commitment to prompt communication is essential for fostering successful relationships on the platform. A good lender should be timely with their paperwork and wire transfers, ensuring a smooth process for borrowers.

However, responsibility and professionalism should be reciprocal. Jerry believes lenders and borrowers should treat each other respectfully, ask tough questions, and conduct thorough due diligence. It is better to address concerns upfront than to wait until a deal is underway, as this helps to establish a strong foundation of transparency and trust.

Unlock Your Infinite Banking Potential with PMC

If you’ve been thinking to yourself, I’d like to learn more about private lending, then you are in the right place. Private Money Club has the educational resources you need to begin an empowered chapter in your journey!

Sign up to become a free club member today to get an inside look at the world of private lending, learn more about unlocking the potential of your money, and accelerate your path.

Interview Michelle and Vin Ochoa

Have you ever wondered how effective networking could be for growing your real estate portfolio?

In today’s fast-paced and ever-changing real estate market, forging meaningful connections with like-minded individuals can be the key to unlocking your full potential. One such story of success materializes in the journey of Michelle and Vin Ochoa, a dynamic duo who have made their mark in the real estate world by leveraging the power of relationship-building and mastermind groups.

By delving into Michelle and Vin’s story, you will discover how relationship building is pivotal in shaping their real estate success and how they grow trust with potential lenders. It’s an inspiring tale that underscores the importance of networking, collaboration, and learning to leverage what you’ve learned to teach others, so let’s get into it! 

Who Are Michelle and Vin Ochoa?

Michelle and Vin Ochoa are a successful power couple team that has excelled in the world of real estate. For years, they traveled down unique paths that would eventually converge in Austin, Texas. 

Vin began his journey back in 2006 with the belief that real estate was the ultimate retirement plan. Initially, he pursued a career as a real estate agent but soon realized it was quite different from building a successful real estate portfolio.

“You always kept hearing like, you know, real estate’s made more millionaires than anybody else. So not knowing any better, I’m like, ‘Well that means I gotta go get a real estate license.’ I couldn’t be farther from the truth. Being a real estate agent has nothing to do with leveraging portfolios and private money lenders and all that other stuff.” – Vin Ochoa

After purchasing properties in California, Vin faced the harsh reality of the 2008 market crash, which left him feeling lost and seeking new opportunities.

One late night, Vin stumbled upon an infomercial for Fortune Builders, a real estate education and coaching program led by Than Merrill. Feeling deeply connected with Than’s strategy for real estate portfolio growth, Vin immersed himself in the program, completing a six-week course in only 21 days. His involvement with Fortune Builders and other real estate groups eventually led him to move to Texas and seek out a new partner in the industry.

Michelle’s background in real estate began as a contractor in Florida, working on fix-and-flip projects financed by other individuals. Her intentional experience helped her understand the importance of real estate finance as she transitioned into the field. In 2021, Michelle returned to her home state of Texas and entered into a business partnership with her mother, successfully purchasing their first property together.

“I was intentionally doing [fix and flips] so that I could be able to understand what investors need in order to pick up their portfolio. I quickly made the transition [into building my own real estate portfolio]. I gave myself five years, and I did it in four. … I felt that I was ready. So, I explored the options of moving back to my home state, … and I got into business with my mom. We bought our first property in 2021 together, and [we] were very successful in doing that.” – Michelle Ochoa

In February 2022, Vin and Michelle crossed paths when Vin reached out to a mutual acquaintance, seeking someone to show him around San Antonio. From day one, their connection was evident, and their joint real estate venture started in late 2022.

“For me, it was love at first sight. I know I tell her all the time, and she’s like, ‘How could you be in love when we hadn’t even seen each other yet?’ This [connection] was all over one conversation. I knew she was a very sharp individual, and she piqued my interests on every possible level. And so, [she] was just somebody that I had a need [to be with], whether it was for a personal reason or business. You could just tell she knew what she was talking about.” – Vin Ochoa

Vin and Michelle joined the Private Money Club four months ago, using its innovative networking opportunities to further their knowledge and connections in the private lending world. Both believe that the effort and energy put into learning and networking are essential to success in the industry.

How they Leverage PMC for Private Lending Opportunities

The importance of a strong network and strategic connections cannot be overstated when it comes to growing your real estate portfolio. Connection-building opportunities are where platforms like PMC shine, offering real estate investors opportunities to establish new relationships, share knowledge, and grow their businesses. 

For borrowers like Michelle and Vin, being part of such a community has proven invaluable in expanding their reach and strengthening their deal-making strategies.

“PMC has given us that platform to be able to connect. … This gives us just another level that we can grow a bigger community. What we have [also] found is the trainings that you guys are providing to others that are in the accelerator program makes sure to protect both borrower and lender. We really like that.” – Michelle Ochoa

In the past, they have found many private lenders through friends, family, and other mastermind groups. Now, PMC’s services allow Vin and Michelle to connect easily with private lenders from various backgrounds. By participating in the Private Money Club network, they have unlocked another level of connection and expanded their circle of potential funding partners.

“With all [of the] masterminds that we’ve joined, technically, the information is all out on the interwebs, if you will, for free. You just have to know where to look and how to process it and how to put it together. … I would say PMC is really so far ahead of the curve in networking, mingling, and everything else.” – Vin Ochoa

By capitalizing on the resources and networking opportunities provided by PMC, such as in-person events, borrowers like Michelle and Vin can elevate their real estate businesses to new heights. Through the platform’s focus on education, best practices, and building solid connections, individuals can grow their networks, access crucial resources, and confidently navigate the complex world of real estate.

How Michelle & Vin Build Trust in Real Estate Ventures

The world of real estate is often complex and challenging. Still, Michelle and Vin have demonstrated that they can grow their lending network and achieve success by connecting with the right people, sharing their knowledge, and nurturing relationships. 

A critical component of Michelle and Vin’s strategy is their commitment to educating others about private lending best practices that they’ve learned from their years of experience. 

They believe in serving their network and are willing to invest time and effort into sharing their knowledge and helping others understand how to properly engage in private lending. This approach has resulted in stronger connections and relationships, as well as fostering trust among their lending partners.

Additionally, Michelle and Vin’s mindset plays a significant role in their ability to find opportunities and establish new relationships. They are consistently on the lookout for potential lending partners and seek to engage with others, even in casual settings. 

“We’re always looking for opportunities — I’ll give you an example. We went to dinner last night, and we’re sitting at the restaurant. We hear the lady next to us [say] that she’s a retired nurse practitioner [who] work[ed] at most 20 hours a week [who’s] looking to travel and is just kind of bored more than anything else. So I’m like, ‘I see an opportunity, let’s go talk to her.’ And we start talking about turning her into a private money lender.” – Vin Ochoa

This proactive approach to networking has allowed them to grow their lending network and create new connections. After all, when you don’t close yourself off to the idea that opportunity is everywhere, it opens you up to unlimited potential business ventures.

Another key factor in their success is their understanding of the importance of personal rapport in the lending process. They believe that no matter how attractive a deal might be, if a potential lender does not trust or like the borrower, the deal may not materialize. 

“The easiest part of real estate is always finding the money. Because if the numbers make sense, the money will show up. … And on top of that, somebody’s gotta like you. I don’t care how good a deal is. If they don’t like you, they’re not gonna lend to you.” – Vin Ochoa

Michelle and Vin have also harnessed the power of various masterminds and platforms like PMC to expand their reach and connect with a larger audience. Through these connections, they have enhanced their knowledge, gained access to new resources, and collaborated with other investors who share their values and goals.

By sharing their knowledge and expertise with others, they not only empower fellow deal makers but also create a vibrant community of informed, responsible private lenders. Embracing this collaborative and educational approach helps them achieve greater success in the real estate world.

How Walking Away from a Deal Can Grow Relationships

When dealing in private lending and infinite banking, understanding the importance of relationship-building and learning from experiences is crucial. Borrowers like Michelle and Vin emphasize this by treating every interaction with their lenders as an opportunity for growth and long-term relationship development.

Building relationships on solid foundations is key to success in private lending. Sometimes, deals might not go through, but that shouldn’t necessarily be perceived negatively. 

For instance, when a borrower recognizes that the numbers don’t work and decides to pull out of a deal, it demonstrates their ability to make informed decisions and put their lender’s interests first. This decision creates trust and paves the way for future collaboration, regardless of how challenging it is to make that decision.

Michelle and Vin’s approach to private lending is characterized by ethical decision-making, ensuring that their lenders get paid before they do. Sharing core values and being willing to walk away from a deal when it’s not the right fit are essential elements of their business philosophy. They understand that, at times, saying no can be the best course of action for all parties involved, protecting the interests of both borrower and lender.

Learning from experiences, even when they don’t go as planned, is another vital aspect of their approach to private lending. By adopting the mindset that everything happens for a reason, they can continuously improve and adapt. 

“[Life] doesn’t happen to you — it happens for you. We’re big believers in everything in life, regardless of how bad it seems, there’s always a learning lesson in there. And if you can walk away from that bad experiment on how not to do that again, then it’s a plus because you learn from it.” – Vin Ochoa

Michelle and Vin believe that, no matter how challenging a situation may seem, there is always a learning opportunity to be seized, allowing them to avoid repeating mistakes in the future.

The Benefits of Joining Private Money Club for Your Real Estate Journey

The importance of relationship building cannot be understated when you’re building a portfolio and expanding your real estate ventures. 

As exemplified by Michelle and Vin’s journey, these experiences have significantly contributed to their growth and success in private lending and infinite banking. Their story serves as an inspiration and a testament to the power of human connections in the world of real estate.

By joining the PMC community and participating in the live mastermind events, you’ll open yourself to the opportunity of sparking new relationships and fostering growth. 
Visit our website today to learn more about how you can get involved!