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Owned by Tammy

Intentional Freedom Lab

141 members • Free

Free community for mid‑career pros to clean up money & debt, de‑risk real estate, and build calm, intentional income.

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134 contributions to Intentional Freedom Lab
Mini Lesson & Open Q&A cancelled Wednesday
Due to a family emergency, we will not be having the regularly scheduled Wednesday night mini lesson and open Q&A this week.
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Cohort 2 - Week 1: Reality — Homework Drop 🎯
Post your deliverables here before the Week 2 call. What to submit (via DM is fine): 1. Money Snapshot 2. Property Snapshot (if applicable) 3. Fog List — top 5 fog items replaced with real numbers or confirmed facts How: - Standard: Reply with your work (comment or attached file/link) - Sensitive numbers: DM me, then reply here with "Week 1 Done — DM sent" Miss the deadline and you move to Limited Access until caught up. This week isn't about fixing anything. It's about seeing clearly. Do the work. Two optional adds depending on your style: - Pin it to the top of the Homework thread - End with a direct prompt like "Who's first?" to push someone to break the seal — usually gets momentum going faster
1 like • 5d
@Bryan Y Bryan — this is exactly the kind of deep dive Week 1 is designed to surface. Really good work. On #1 — you're already doing something smart by splitting cash flow between savings and investment accounts. The next layer is what you identified: getting actual vendor quotes so your reserve math is based on real numbers, not gut estimates. For now, don't try to solve it perfectly — just add "get 2-3 quotes from roofer, electrician, plumber" to your fog-clearing list this week. Round numbers from real vendors beat formulas from podcasts every time. On #2 — this one is worth holding for Week 3 when we talk about identity and standards, because "how much is the right amount to spend on a tenant experience" is really a question about what kind of operator you want to be and what your retention strategy actually costs. You're asking the right question. Just don't try to answer it yet. Write it down and bring it. On #3 — yes, call your local PHA directly and ask what criteria move a unit into the higher payment tier. It's usually condition, bedroom size, and comparables in the area. They will tell you. Most landlords never ask. You asking puts you ahead of most people in the voucher space. Keep going. This is the work.
Real estate investing gets a lot easier when you stop calling browsing “working.” 👀
A saved search is not a strategy.A vibe is not underwriting.And “I’m waiting for the right one” is often just fear wearing business casual. Most people do not need more info.They need more reps. Today’s move: Pick one property. Run the numbers. Decide: yes, no, or not yet. Then move. That’s how confidence gets built.Not by thinking harder. By deciding faster. Need templates? The Free Resource Library has the Flip & Rental Starter Kit, Rehab Estimator + Deal Analyzer, and Buy Box One-Pager ready to go.
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Real estate investing gets a lot easier when you stop calling browsing “working.” 👀
New Resource: The BRRRR Calculator
I had a student send me a BRRRR deal last month to check out that looked great on the surface. Positive cash flow, solid ARV, reasonable rehab budget. Then we stress tested it... The cash flow went negative. That's not a BRRRR. That's a deal that only works in perfect conditions — and perfect conditions don't exist in year one of a distressed property rehab. So I built a calculator that stress tests by default — not as an afterthought. It's in the Resources tab now. Classroom ➡️ Free Resources ➡️ BRRRR Calculator Full deal analysis, rental underwrite, stress test, 5-year snapshot, and definitions built into every section so you're not guessing what any of it means. Go run your current deal through it. If it passes the stress test, bring it here. If it doesn't, we'll talk about why.
1 like • 6d
@Geoff Prickett @Tessa Sphar
Last Call: 6‑Week Portfolio & Money Reset (Starts Tomorrow)
I’m capping this round at a small group and as of right now I’ve got 3 spots left before we’re full. Quick reminder if money + real estate still feel “successful but messy”: Tomorrow (Thursday) I’m kicking off the next small 6‑week intensive to help you get your numbers, strategy, and next 90 days dialed in. 6‑Week Portfolio & Money Reset Intensive 🗓 Starts: Thursday, April 16 ⏰ Time: 7:00–8:30 pm Eastern 📍 Live on Zoom (replays available) This is for you if: - You make decent money but still feel stressed or disorganized with finances - You want real estate in the mix, but aren’t sure if this is a buy / hold / pause year - You want a calm, numbers‑based 90‑day plan instead of living in money anxiety Over 6 weeks we will: - Build your Money Snapshot on one page (income, expenses, debt, savings, properties) - Stress‑test your situation for “what if” scenarios - Decide your 90‑day lane: buy, hold, or pause - Set clear standards & guardrails for how you will and won’t use debt/savings - Build a simple weekly operating plan you can actually run in the middle of real life - Leave with a concrete 90‑day action plan that won’t blow up your life Here’s how people from the last round described it: “My financial position became crystal clear so that I could make intentional decisions. It gave clarity, stability, and solid filters.” – Rachel “I leased a property that had been vacant for over 7 months and implemented a new financial rhythm that prevents backsliding.” – Andrew “I walked away with a personalized 90‑day action plan ready to go. I finally know where I stand and what to do next.” – Nasreen Investment:💰 $1,000 total for the full 6 weeks(or a simple 2‑pay if that’s easier) If you already know you want in: Go to Classroom and click the first dark blue tile ➡️ “6‑Week Portfolio & Money Reset Intensive” That’s the checkout page. If you’re on the fence: I’ve opened a few 15‑minute “Money Reset Fit Call” slots today and tomorrow. Click here to hop on a call and we’ll look at where you are. I’ll tell you straight if this round is a fit or if you should wait.
Last Call: 6‑Week Portfolio & Money Reset (Starts Tomorrow)
0 likes • 8d
Quick update: we kick off in 5 hours (7 pm ET tonight). I'm keeping these cohorts tiny these first few rounds, which means a LOT of personal attention on your actual numbers. If you’ve been thinking, ‘I should really get my money + rentals out of this “successful but messy” place,’ this is your window. 💰 $1,000 total (2‑pay available) 📍 Zoom · replays available If you want to slide in before we start, comment ‘IN’ below or DM me and I’ll send you the join link right away.
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Tammy Richey
5
121points to level up
@tammy-richey-4327
Real Estate investor full time since 2016. Wholesaling/Flips/Multifamily/MTRs/PML | Real Estate Coaching

Active 13h ago
Joined Feb 21, 2025
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