We have our own choices every day, especially in your funds. How do you handle your expenses, and what do you do to achieve financial independence? Join Moneeka Sawyer and the founder and Managing Partner of Next-Level Income, Chris Larsen, as they delve into controlling your cash flow, creating a structure that would enable you to grow as an individual and professional. Chris is passionate about helping investors attain success in their field. He enlightens people and shares a couple of his mistakes to take the fast track towards financial independence, which took him almost 20 years. In this episode, he talks about investing, infinite banking, loans, mortgage payments, tax strategies and more. Learn how to grow your portfolio, practice financial literacy and make the best choices in your professional life.
I am so excited to welcome to the show, Chris Larsen. Our guest is the Founder and Managing Partner of Next-Level Income. Chris has been investing and managing real estate for many years. While still a college student, he bought his first rental property at the age of 21. I love people that get into this industry young. Ladies, if you’re young, get in. From there, Chris expanded into development, private lending, buying distressed debt, as well as commercial offices and ultimately syndicating multifamily properties. He began syndicating deals in 2016 and has been actively involved in over $225 million of real estate acquisitions. Chris is passionate about helping investors become financially independent.
Chris, welcome to the show.
Moneeka, thank you so much for having me. I’m excited to be here.
I’ve been looking forward to this show. You’ve been patient with me with all the rescheduling. Thank you. I’m glad we’re finally here. Chris, give us a high level of your story. I know it’s very exciting.
First off, I love that you bring up, “Get started early,” now is early, whenever you can do it. I was 21. I was in college and to rewind a little bit, my passion at the time was racing bicycles. I went to Virginia Tech for Biomechanical Engineering. I did well in school and was told, “You should be an engineer like your grandfather.” All I want to do is race bicycles. Cycling is like a real engineer sport because it’s all about numbers and power to weight ratios. That was the end of my story in a lot of ways because I didn’t want to do that.
Along the way, at that same time, when I was at this turning point, trying to decide what to do as I was looking towards a professional career, my best friend, roommate, training partner passed away. He had a massive brain hemorrhage between my freshman and sophomore years in college. I poured another year into this sport. Then realized even after I was winning more and more races, I wasn’t happy. Even though my team went professional, I stepped away from the sport and went back to school. As a junior in college, I thought, “What am I going to do with my life?” I don’t want to be an engineer. I was going to go race and then figure out what I wanted to do.
While I was racing and even when I was young, the first thing I remember is I hop on my bike and I have this tremendous sense of freedom. Probably if you’re reading, you think the same thing. I wanted the freedom to live life on my own terms, not only to respect the life I was given but also the life of the friend that I lost. I turned towards investing. I was introduced to it by the same gentleman, Clint Provenza who introduced me to cycling. My father passed away when I was five and he was a real mentor to me.
I started looking into investing. I was day trading and one of those nights/mornings at 3:00 AM when I was lying there in bed, thinking about what I should do with my trades, I thought, “Do I want to be doing this twenty years from now?” The answer was no. I looked at other investments. I read over 250 books on money investing and settled on real estate because you could control it. I bought my first property at 21. I built and managed a portfolio of single-family rentals for fifteen years but ultimately transitioned into commercial real estate. That’s what we focus on now. I try to enlighten people and share my mistakes so they can take the fast track to get towards financial independence, which took me almost twenty years.
I have a very similar story that I wanted to be a dancer. That was my thing. I came to investing for a similar reason. I wanted a life of choice. I think that freedom of choice is our true wealth. That’s what I wanted and real estate allowed that. It takes me fifteen years before I could say that my husband and I could retire but I couldn’t do it with the lifestyle that I wanted in California. We would have had to move. We continue to grow our portfolio but it was at the same thing. After about fifteen years, I was like, “We are doing everything now that we’re doing because of choice and we want to do that.” There’s nothing more liberating than that.
I teach a Financial Literacy course for high school students. They’re coming out of underprivileged homes. Most of them are living below the poverty line. We had a conversation that at some point, income is important but it’s the freedom to choose. I cited in a study that shows the janitors that have freedom in their day-to-day choices are happier than the CEOs that are making 10,000 times than they are. They’re not happy because they don’t have freedom.[bctt tweet=”Don’t be afraid to ask questions and understand the numbers, the strategy, and why an operator is going into the market. ” via=”no”]
My TED Talk is about this. There’s a lot of research where money does buy happiness to a certain threshold.
What’s that number?
The original number that came up within 2010 was 75, but a study that was done in January 2021 said 100,000. It’s gone up because of inflation, obviously. Basically up until then, the number of dollars that you bring into your household does relate directly to the level of happiness or satisfaction in the household. After that, we’re looking at we have freedom, excess income is taken care of and we can focus on joy or bliss. I’m glad we’re on the same wavelength around that. Talk to me about this concept of infinite banking. Tell me what you mean by that.
Next-Level Income was born of this desire to curate information around financial literacy and education. As I built it out, we have three main areas. We talk about how to make, keep and grow your money. Those are the three steps. I have coaching clients and that’s what we work through, “How can you maximize how much money you’re making? How can you keep more money?” That’s typically around entity structure, tax strategy but also this concept called Infinite Banking. If you think about what your biggest expenses are in life, most people know that taxes are one. If you are reading this, making a lot of money, you’re at those higher income levels like 20% or 30% in California, even 40% or 50% is not uncommon.
That’s a big expense but the next biggest expense that a lot of people don’t think about is financing. Think about how much money you spend on interest for your house or on cars and if you have a business, business loans, infrastructure, equipment. If I said to you, “What if you could take that financing dollars that you spent on interest, put them back in your own pocket and you could become the bank?” That’s what Nelson Nash talks about in this concept of becoming your own banker, which infinite banking was born of.
On average, when you pay a mortgage, it’s fully amortized, you pay a lot of interest in the front end, it goes down to so and so, and when you look at the very end, you were to finance out for 30 years, what amount of money relative to your principal do you end up paying? Isn’t that something crazy like three times as much?
It’s 2 to 3 times. Interest rates now are lower. It’s more like two times but historically, it’s about three times. Let’s not pretend you’re in California because you’re probably paying $3 million. Your average home in America is $300,000, so you’re probably paying somewhere between $600,000 to $1 million for that home. That doesn’t take into account when you refinance. A lot of people refinance. They reset the clock and you pay more interest. A lot of people never get out from under that.
Ladies, I want to give you a little clarity on that. What happens on a fully amortized loan is not what we call simple interest. A fully amortized loan means it’s heavy on the interest on the front end. Let’s say like 2/3 of your mortgage payment goes into interest, 1/3 might go into your principal and then it moves over your 30 years. At the end, you’re paying significantly more in principal. I don’t think it doesn’t exactly flip but you’re paying a lot more in principal and significantly less than interest. Every time you refinance, you start that clock on the heavy interest side.
In the past, ladies, I talked about I like interest-only loans. That’s because I don’t stay in homes very long. I refinance them to take money out so I can buy something else. I’m always high on the interest side. This is a way for me to control my cashflow and doing what I would normally be doing. When he’s going to talk about infinite banking, understand that you’re paying 2 to 3 times your principal. He’s talking about how you can put that to work for you rather than you paying that off.
That’s a great way. I co-hosted a radio show in college. One of the financial advisors advocated for a fifteen-year mortgage. I said, “No, you want 30-year. You want to have the money in your pocket and the ability to pay off your mortgage because, one, ask yourself, ‘What is your return on equity?’ It’s zero. The money’s sitting there. It’s not doing anything for you.” You can go out and use that money. You can finance, buy another property and leverage that. You can use the bank’s money to do that. If you have your home paid off, you have to pull that money out with the permission of the bank.
What’s interesting is whole life is very similar to owning a home. The term life insurance is very similar to renting. You build up equity in that policy but here’s the thing that’s great. When you have a properly structured life insurance policy and you build up that equity, you don’t have to ask anybody’s permission to take that money out. You own that policy. The collateral is your policy on your life. The insurance company has to lend you the money before it lends out to anyone else. They have to lend that money out to earn a rate of return because the other neat thing with life insurance, and this is unlike your home but similar, your home goes up in value. Life insurance does too because they pay dividends.
The insurance company invests that money. If they invest it well, what happens is they earn a return on that and give it back to the policyholders. This is important with this concept. You have to have the right insurance company that you’re working with and a properly structured policy. You can go buy the wrong mortgage for your home. There are multiple types of mortgages for your investment property. You have to make sure you buy the right policy with the right structures. Sometimes, there are multiple structures within that so it can be quite complex.
I was on the phone with one of my ladies and she was saying, “I’ve got something with State Farm.” I don’t know how State Farm is structured.
I do. I work for State Farm.
One of the other ladies that was on the same call with me said that she ended up trying the infinite banking structure. I don’t know how it all worked for her but over time, she wasn’t going to end up paying taxes on the money and was horrified. What I’m trying to say here is there are lots of different kinds of insurance companies and whole life structures depending on your goal. This is like with anything else, whether it’s investing, getting married or having a job. You have to know what your outcome is that you’re looking for. “Is it what is going to be paid to my family when I die? Can I use this money? Is it, I would rather not pay taxes or is it growth? What is it?” Once you make a decision, you have to find the policy that is structured to reach that goal in the best way possible.
You have to work. The unfortunate thing is there’s a limited number of companies that can do this. You want to optimize the company for your certain circumstance. If you are a 50-year-old woman, the company you might work with might be different than a 30-year-old man or 80-year-old woman. It depends on what your certain circumstance is. The other thing is if you work with an insurance agent that’s going to structure this policy, they’re paid less commission to structure the policies this way. When you maximize the cash value, you’re optimizing the insurance level. When you optimize that, it means you a lot of times lower it. You’re lowering the cost of insurance.
A big portion of that in the initial years is the commission. It’s paid to the agent. I’ve been in sales my whole life. I don’t think there’s anything wrong with paying somebody for the service you provide. That’s part of the thing. If you’re reading, you may have heard things like, “Life insurance is a bad investment.” I don’t call it an investment. I’ve used it for over several years now. This exact type of policy structure is like a super-charged savings account. It’s a tool that you can use along your investment journey. If you’re a small business owner and you say, “I own a small business,” what’s cool is you can also structure it for retirement. You can use it like a Roth IRA, but what’s nice is unlike a Roth or 529 plan for your kids, you have a lot more flexibility. You can use this money for whatever you want along the way.
The other thing that I love about these is that depending on how it’s structured. You were talking about different ages. If you’re 20 versus 80, you can put together a policy where you’re doing a monthly installation. You could also put together a policy where you have one installation. Your business did good and maybe you put $200,000 in, then you let that ride for a while. There are different ways to structure it. You don’t feel like in the old world where, “This was going to be a payment every single month and I don’t want another payment every single month.” Especially if you run your own business, you don’t know what next year is going to look like. These newer policies are interesting because there’s so much flexibility and new opportunity in structuring to create other ways of using them.
We have a whole page to it at NextLevelIncome.com. We have a banking page. You can check out some of the resources, videos, white papers there that talk more about this as well.[bctt tweet=”Income is important, but the freedom to choose is even more so.” via=”no”]
Do you feel complete on that topic? Did you want to move to the next one?
I’m good. I edited my book, added a chapter and didn’t mention it but that’s the other thing we have on the website. If you want to learn more about it, you can also get a copy of my book for free. If you go to NextLevelIncome.com, you can click on the Book link. I’ll send your audience a copy if they put their address in.
Thank you so much. Talk to me about your perspective on multifamily. This is a hot topic with my ladies.
I’m trying to figure it out. When you say that, I’m like, “How can I figure something else on my podcast that I can say, ‘My ladies.’” I don’t know if I’m ever going to figure that out or not, and that’s probably a good thing. I don’t think that’s not going to be my tagline. I call multifamily real estate the Holy Grail of investing. If you look at my book, it says, “How to Make, Keep, and Grow Your Money Using the Holy Grail of Real Estate to Achieve Financial Independence.” I’ll send you a copy for free if you go to the website.
I’m high on multifamily. I was the person that managed my own portfolio for fifteen years. I was a person that got a phone call on my honeymoon in Costa Rica and paid $40-some in collect call fees to deal with the problem tenant. I was the guy that stayed in too long and didn’t get a great return on my properties. I was fortunate enough to run into somebody that introduced me to this space. Several years ago, I started to investigate multifamily real estate. I’m a demographics guy. I spent eighteen years in the medical device industry. That’s how I made money to invest. I got into a medical device and moved to Asheville, North Carolina because we have great demographic trends.
When I started to investigate multifamily being an engineer, a day-to-day guy, analytical, I found that multifamily was supported by these terrific demographics by what we now call the Millennials. They’d rented, and guess who’s supporting multifamily now? It’s their parents, the Baby Boomers. They’re selling their homes. They’re renting. Gen Z is renting as well. We’ve turned into this nation that we like to own. That’s the American Dream but we also like flexibility. I jumped into multifamily. It was because of the demographics, analytics, my MBAs and portfolio management. What I found is something that Ray Dalio calls the Holy Grail of investing, which allows you to increase the Sharpe ratio. Don’t let your eyes glaze over. I’ll simplify the Sharpe ratio. It increases the returns of your portfolio and decreases the risk. It’s like a boat that goes faster and has less bumps when you’re on it. I thought, “What is better than that?” Ray Dalio calls that the Holy Grail of investing. I call multifamily the Holy Grail of real estate because it allows you to increase the returns in your portfolio and decrease the risk.
I know that in EXTRA, we’re going to talk a lot more about multifamily and a high level of why he loves multifamily much. We’re going to go deeper into the pros and cons of multifamily and then he’s going to do some number breakdowns for us. These are things that I get asked about a lot. It’s not my strong suit. My husband and I have not been involved yet in multifamily. The commercial evaluation of the numbers is not his strong suit. He hasn’t had to do it yet. This will be fun. Why don’t you give us a high level on why you like multifamily? What’s exciting about it?
There are a few things. If you’re reading and are like, “I love real estate but I don’t want to be the person that has to go in and fix toilets, find new tenants, screen people and do showings,” I get that because I’ve done it. The big thing is if you invest in multifamily with an experienced operator, somebody that is pretty good in details, it’s 100% passive. You can invest, be a direct owner, get the income and appreciation. The depreciation has great tax benefits, especially if you’re a high-income earner but you don’t have to deal with it all yourself. That’s fantastic. It’s scalable. You could buy a 100-unit multifamily building for $10 million or a $1 billion multifamily portfolio. Whether you’re investing in your first deal or for twenty years and you’re looking to place $1 million or $10 million of capital, you can use the same strategy.
It’s very scalable but there’s something that I like even more. It is control. You might’ve read me talk about laying in bed at 3:00 AM, feeling like things were out of control with my money. I like real estate because you can control it. We’re acquiring a property in Greenville, South Carolina. We live in Asheville, which is about one hour away. We were down in South Carolina for my son’s Lacrosse games and took them to the property. We drove around. It was built in 1997. It’s a little beat up in the stairs. Some need to be replaced and new paint. We can control all of those things. If you own a business, you get this. Apartments are valued like a business. They’re valued by net operating income.
If you live in your home or have a rental home, it’s 1,000 square feet and sells for $300 a square foot. It’s worth $300,000. The bank figures that out because they say, “The home on your left is worth $295 a square foot. Yours is about $300 a square foot.” You don’t control that. The market goes up and down. If we go and buy an apartment building for $10 million and have $1 million of net operating income, that’s probably not a great metric. Call it a $20 million apartment building with $1 million in net operating income. We increase the net operating income to 50% from $1 million with a $20 million valuation to $1.5 million with that new valuation. You’re probably thinking to yourself with your calculators, $30 million. We control that when we’re able to move the rents by the renovations, operations, more efficient and bringing in better management. It’s passive and scalable but most importantly, it’s controllable.
We’ll break down more of this in EXTRA so we can take it a little bit slower. Did you feel like you already covered what are the important metrics? What exactly should we be looking at?
We can unpack this a lot more in the EXTRA section. If you’re thinking, “This sounds interesting,” which I look out for as an investor. I started as an investor in these deals. I was what’s called a limited partner before I syndicated these deals and became a general partner. If you’re a limited partner and you say, “I’m interested in this,” you need to look at three different things. Number one, the Geography. Are you investing in an area of the country that people want to move to? I wrote a whole blog post about this. I talked about how you can identify these. It’s very easy to see with reports from companies like United Van Lines. You can go on our blog at the beginning of 2021 and read the post I put on there.
You want to be in large cities where people are moving that are growing faster than the national average. Where are these cities? A lot of these are from the Southeast. Remember I said, “I moved to North Carolina for the demographics,” the Carolinas, Florida, Georgia, Texas, Phoenix, Colorado, Boise, Idaho seems to be a big one here. Why are people moving here? They’re moving out of California to places like Colorado, Texas, Idaho. They’re moving to the Southeast from places like California, LA, New England, New York. Places that are cold don’t have a great quality of life. Taxes are going up. I have a coaching client that is like, “We’re looking at South Carolina to move. Taxes are going up. We don’t want to live here anymore.”
Number two, the operator. Are you working with an operator? This is somebody that’s going and finding the property that’s going to buy the property, bring you in alongside them, they’re going to operate it and increase that net operating income. Have they done it before? Have they done it in the Geography that you’re invested in and what is their experience there? You want to ask them some tough questions like what’s their strategy. You look then at the metrics in the deal. That’s complex. We looked at over two dozen different metrics on the deals that we’re in. There’s a lot of different variables that come into play.
If you’ve ever invested in a business, business owner or professional, you can read a financial statement. If you call me and say, “I’m interested in this deal.” As an owner of these properties, you’re entitled to all the same information you would be entitled to if you go into a single-family home. You can go through those, call the operator and say, “Walk me through this. What am I seeing here and there?” Don’t be afraid to ask those questions and understand the numbers, the strategy and why an operator is going into the market.
Talk to me a little bit about ROI. Different operators do this differently. Tell us about how you structure your deals for your investors?
What we do is called syndication. It is very simple. It is an operator going out and bringing in investors alongside them to invest. What’s important is how that syndication is structured. We do what’s called, typically, our preferred return. If you look at deals, 6% to 8%, what does that mean? That means investors get the first 6% to 8% of the returns coming from that property. Investors are preferred in front of anybody else. They’re going to be subordinate to the lender. The other thing that’s nice about these properties is it’s called nonrecourse debt.
I work with a lot of doctors after spending eighteen years in the medical device profession. They don’t want more risk, debt and a bank to come after them for something. They have patients that are out for them if something bad happens. That’s a nice thing about these properties as well. After the lender, the investors get that preferred return and then there’s an equity split. A large part goes to investors and then the partners that organize these deals get the minority position in there but that’s the incentive. You want to work with the group, in my opinion. How we do it is we give the investors the first big portion of the returns, about a half of the returns upfront and the other half comes from that split on the backside. We, as partners, get a piece of that split.
We’re incentivized to maximize the profit of that property on the backend. You asked a question there and I’ll address this. There’s typically a couple of different ways to look at this. You can look at a total return. You’re going to get a 10% return comprised of half cash and half appreciation on a property. There’s also an equity multiple. Another way to look at it is you’re going to double your money over a certain period of time. There’s also the IRR, the Internal Rate of Return. We can dive deeper into the EXTRA portion of the show or you can go ahead and check out my book, which goes deeper into this as well. You can always read on a site like Investopedia, which dives deeper too. It depends on what type of investor you are. Maybe cash or the total return is important to you and it all depends on what type of investor you are.
Do you pay investors immediately? When they first invest money, are they guaranteed a certain return each year while the project is happening or how do you structure that for your people?
One little red flag, we never say guaranteed because these are investments that have a risk associated with them. If you ever heard me say, “Guaranteed,” you should either slap me on the face or stick a paper towel or something in my mouth. We have a couple of different types of investments. We have investments that we pay investors a fixed return based upon the performance of the property. Our group typically pays out monthly. We like it. There are groups that payout quarterly. It’s not necessarily better or worse but personally, I like to get money in my account every month.[bctt tweet=”People who have freedom in their day-to-day choices are mostly happier than the CEOs making enormous amounts of money.” via=”no”]
You get some stuff on the backend, depending on how the project goes.
Typically, in multifamily syndication, you’re going to get regular cashflow, monthly, quarterly or annually. Think about it as a rental property. You’re getting rent. If you’re renting it out for $1,000 a month and your expenses are $900, you might get $100 a month. When you sell it, if you bought a property for $100,000 and you sell it for $150,000, you get that $50,000 profit on the backend. It’s very similar to that.
Do you guys do the whole refinance structure piece too or you go for the sale?
When we model out the returns on our property, which is called a Proforma, we don’t assume we’re going to refinance the property. If you’ve ever owned a rental property or have a property of your own, what’s nice is if you have HELOC, Home Equity Line Of Credit, and you pull money out of your home or an investment property, you don’t pay taxes on that when you pull that money out. You might pay taxes when you sell it but you don’t typically pay taxes when you pull it out. It’s nice. It’s very similar to what we do. A lot of times, we look to do that if the property is performing. We don’t tell investors that’s part of the plan because we want to be a little bit more conservative than that. That is a very optimal way to pull investor capital out in a tax-efficient manner.
We dove pretty deep into all of that stuff and I know we’re going to get even deeper. Ladies, definitely stay tuned for EXTRA. We’ll be talking more about the fundamentals of multifamily investing, the numbers around that and why or why not to do it. Before we move towards the end of this show, Chris, could you tell everybody how they can reach you?
If you want to dive deeper and learn a little bit more, check us out at NextLevelIncome.com. We have a podcast, which hopefully we’ll be sharing Moneeka on in the future. We have a blog and you can also get our book for free, which dives deeper into all the different aspects that we talked about. Go to the website, click on the Book link, put your address in and I’ll even send you a copy for free.
Thank you for that. That was so generous. Chris, we have three Rapid-fire questions. Tell us one super tip on getting started investing in real estate.
The best tip I can think of is to find somebody that has gone down the path you want to go down, and either ask them for advice or hire them to help be a mentor.
What would you say is a strategy to be successful in real estate investing?
Success in general is habits. Whether you want to be successful in real estate, in life, losing weight or whatever it may be, you need to focus on your daily habits. If you want to be successful in real estate as far as syndications or passive investments, that may be reviewing a deal every day and every week. If you are going out and buying your own properties, that may be contacting brokers, making phone calls and getting options out there that are coming in towards you on a regular basis.
What would you say is one daily practice that you do that contributes to your personal success?
I’ve learned a lot over the past few years. I bought my older son The Five-Minute Journal for Children and I use The Five-Minute Journal to meditate every morning. The Five-Minute Journal is basically a gratitude practice. I know you’re big on this. Happiness comes before success. You have to get in that right and abundance mindset, which is you share. You know that success or money will come to you and there’s always a deal out there. You don’t have to worry or fight over these things. Share, help other people, and other people will help you get in the right mindset. That’s what I try to do every day.
This has been an amazing show. Thank you so much for all you’ve already contributed, Chris. This has been great.
It’s my pleasure. Thank you so much for having me.
Ladies, stay tuned for EXTRA. We’re going to be talking more about the fundamentals of multifamily. If you are not subscribed but would like to be, please go to RealEstateInvestingForWomenExtra.com. You get the first seven days for free, so check it out. Download as much as you can and you can stay if it’s for you. For those of you that are leaving Chris and I, thank you so much for joining us for this portion of the show. We appreciate you. I look forward to seeing you next time. Until then, remember, goals without action are just dreams, so get out there, take action and create the life your heart deeply desires. I’ll see you soon. Bye.
Christopher Larsen is the founder and Managing Partner of Next-Level Income. After 18 years in the medical device industry, he dedicates his time to helping others become financially independent through education and investment opportunities. Chris has been investing in and managing real estate for over 20 years.
While completing his degree in Biomechanical Engineering and M.B.A. in Finance at Virginia Tech, he bought his first single-family rental at age 21. Chris expanded into development, private-lending, buying distressed debt as well as commercial office, and ultimately syndicating multifamily properties.
He began syndicating deals in 2016 and has been actively involved in over $350M of real estate acquisitions. In addition to real estate, Chris has invested in equities, oil & gas, and small business lending, as well as being active in Venture South, one of the nation’s Top 10 Angel Investing groups.
Chris lives with his wife and two boys in Asheville, NC where he loves spending time with them in the outdoors and enjoying the food and culture that the region has to offer.
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Moneeka Sawyer is often described as one of the most blissful people you will ever meet. She has been investing in Real Estate for over 20 years, so has been through all the different cycles of the market. Still, she has turned $10,000 into over $5,000,000, working only 5-10 hours per MONTH with very little stress.
While building her multi-million dollar business, she has traveled to over 55 countries, dances every single day, supports causes that are important to her, and spends lots of time with her husband of over 20 years.
She is the international best-selling author of the multiple award-winning books “Choose Bliss: The Power and Practice of Joy and Contentment” and “Real Estate Investing for Women: Expert Conversations to Increase Wealth and Happiness the Blissful Way.”
Moneeka has been featured on stages including Carnegie Hall and Nasdaq, radio, podcasts such as Achieve Your Goals with Hal Elrod, and TV stations including ABC, CBS, FOX, and the CW, impacting over 150 million people.