최고 Real Estate Mindset 팟캐스트 (2025)

1
How A Softer Job Market Can Lower Your Mortgage Rate And Spark Pending Sales 11:59

6h ago11:59

11:59

Send us a text Rates dip into the high fives as Treasury yields fall, while a softer job market and changing Fed outlook set the stage for potential cuts. Is Social Media part of your 2026 business plan? We share a simple three-part content plan and trending formats agents can use to turn attention into appointments. Yes, and again, agents, Nikki h…

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Santa Brought A 5.625% Rate And Nobody’s Mad 9:41

7d ago9:41

9:41

Send us a text Rates ease into the high fives, low 6's as the 10-year Treasury slides, nudging home sales higher after a slow year. We break down why a program like DSCR and using bank statements are surging in regard to financing, and share a focused plan to re-engage declined buyers and tighten daily execution. We will be on next Monday as well, …

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The Fed Loves Drama, But Your Pipeline Shouldn’t - 12/8/25 Market Update! 8:25

21d ago8:25

8:25

Send us a text Markets wobble as December’s cut looks likely while odds of a larger January cut fall, nudging mortgage rates up briefly before easing. We break down how Fed moves filter through the mortgage rates, then shift to why first contact and practiced scripts drive client wins. Want to level up in 2026?!? Join the free Take More Listings da…

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Mortgage Forecasts, Market Jitters, And Smarter Business Plans 12:41

28d ago12:41

12:41

Send us a text Rates snap back after a brief dip as Fed chair chatter shakes bonds, then we map a realistic path toward a 5.9% average in 2026 and what that means for refi math. We close with a clean business planning framework, smarter social posting, and seasonal timing for potential rate relief. Comment wherever you listen with topics you want u…

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Should You Move to Fernie BC? The 2026 Relocation & Cost Guide 11:38

1M ago11:38

11:38

Send us a text Is the Fernie dream actually worth the price tag in 2026? On paper, relocating to Fernie, BC looks like a financial trap. The median home price has hit $952,050, the price-to-income ratio is a staggering 7.7, and vacancy rates are near zero. But spreadsheets don't tell the whole story. In this episode, Phil Gadd strips away the marke…

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Why Rising Rates, 50 Year Mortgage, & Builder Incentives Might Finally Tackle Affordability 17:14

1M ago17:14

17:14

Send us a text Rate pressure eases from shutdown lows while policy ideas aim at affordability. We weigh 50-year mortgages, transferable notes, builder incentives, and consumer credit reforms with clear pros and cons and practical context for buyers and sellers. You can find me at mortgagesfrommntoaz on either Instagram or TikTok. Also on social med…

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Mortgage Relief On The Horizon: What Falling Bond Yields Mean For Homebuyers And Owners 10:42

2M ago10:42

10:42

Send us a text Check out this week's update!! We track a potential government reopening, easing bond yields, and a small but notable jump in home values, then map how a quarter-point rate move can unlock millions of refinance opportunities. We also unpack VA entitlement, explain how to hold multiple VA loans, and stress why strong lender partnershi…

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Fernie Real Estate Market Report – October 2025: Sales Surge, Listings Drop & Rates Cut 9:26

2M ago9:26

9:26

Send us a text The snow is back on the peaks and Fernie’s real estate market is heating up again. In this month’s Fernie Real Estate Market Report, Phil Gadd breaks down October 2025: listings down 22%, sales up 36%, and inventory tightening as winter approaches. Discover what these numbers really mean for buyers, sellers, and investors—and how the…

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Why Buying Beats Renting In Some States And What The Fed Cut Really Means 13:38

2M ago13:38

13:38

Send us a text We unpack why rates rose right after the Fed cut, where they may settle, and how affordability will shift as more housing funds move from DC to the states. We compare Minnesota, Arizona, and Florida to show when renting loses to buying and what 2026 policy could change. Reach out to Nikki because she can run those numbers and really …

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Holly Mabery: Confidence, Mentorship & Breaking Barriers in Real Estate 7:07

2M ago7:07

7:07

Send us a text Senior VP of eXp Realty Holly Mabery joins The Property Mindset Podcast for an empowering conversation on leadership, mentorship, and confidence. Recorded live at eXpCon Miami by Milly Gadd, this episode explores how women in real estate can build successful, resilient careers and inspire the next generation. Perfect for agents, inve…

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Five Percent Down For Four Doors? Yep, Really!! 8:07

2M ago8:07

8:07

Send us a text Rates soften as we anticipate a 25 bps Fed cut, and mortgage quotes start dipping into the fives while volatility cools. Fannie Mae’s new 5% down option for 2–4 unit primary homes opens the door to house hacking and refi's. Plus smarter Q4 planning starts with an obsession-level mindset. Listen Now for the HUGE CHANGE!! Support the s…

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How Retirees Can Qualify For Mortgages When Paychecks Stop 16:50

2M ago16:50

16:50

Send us a text Bond yields slip under 4 percent as we track real-time rate pressure even through an AWS outage. We share three proven ways retirees can qualify for a new home, and why agents should vet lenders using NMLS to protect deals on both sides of the table. Listen Now for More Great Info on the Following - • asset dissipation underwriting f…

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Untangling Mortgage Rates: Credit, Down Payments, and Why 19% Beats 20% 15:57

3M ago15:57

15:57

Send us a text We break down why rates dipped despite Government shutdown and show how your personal profile, not the headline number, decides your mortgage pricing. Credit tiers, down payment strategy, occupancy, term, and loan size all interact—and you can use them to your advantage. Another MUST LISTEN to episode!! You can find Nikki on TikTok, …

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A Simple Guide to Choosing eXp Luxury for Your Fernie Home | Why CMA Reports Matter 7:07

3M ago7:07

7:07

Send us a text Thinking about selling your Fernie home or curious what your property is really worth? In this episode of The Property Mindset Podcast, Phil Gadd explains how the eXp Luxury platform gives your Fernie property global exposure — and why starting with a Comparative Market Analysis (CMA) is the smartest move before listing or buying. Le…

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Fernie Real Estate Market Outlook | September 2025: Buyer, Seller & Investor Strategies 8:05

3M ago8:05

8:05

Send us a text Fernie’s real estate market just shifted — sales dropped over 50%, but prices and demand remain strong. In this episode, Phil Gadd breaks down what that means for buyers, sellers, and investors in 2025. Discover where the real opportunities lie, what’s driving Fernie’s property market resilience, and how to act strategically in the m…

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Shutdown Jitters, Rate Watch & How no-score buyers can still qualify for a home 9/29 Market Update 13:40

3M ago13:40

13:40

Send us a text Markets brace for a volatile week as a possible government shutdown threatens the BLS Jobs Report and nudges the 10-year Treasury, with mortgage rates holding in the low-to-mid sixes after losing recent gains. We also map a path for no-score buyers using rent, utilities, and payment shock, then close with a reminder to show up fully …

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Why 2026 Could Be the Year to Sell Your Fernie Home | Fernie Real Estate Market Outlook 7:32

3M ago7:32

7:32

Send us a text Thinking about selling your Fernie home? 2026 may be your best window yet. In this episode, Phil Gadd of First Tracks Real Estate Group breaks down why next year’s market could deliver top-dollar results — from BCREA’s bullish forecasts to Fernie’s tightening inventory and surging buyer demand. A must-listen for homeowners looking to…

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Mortgage Mayhem: Fed Rate Cuts and Property Tax Shock 14:47

3M ago14:47

14:47

Send us a text The Federal Reserve's recent interest rate cut has ironically led to volatile mortgage rates as the bond market adjusts. Property tax reassessments in Minnesota, Arizona, Florida and many more states are causing homeowners' tax bills to double or triple as counties update values for the first time in a decade. • Mortgage rates experi…

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Bank of Canada Rate Cut Explained | What It Means for Fernie Real Estate + Big Koocanusa News 20:17

3M ago20:17

20:17

Send us a text The Bank of Canada just cut its key rate for the first time since March—📉 but what does it really mean for Fernie real estate? Join Phil Gadd as he unpacks how this decision affects mortgages, buyer confidence, and local housing trends. Plus, stay tuned for exciting news about his new Koocanusa Village lake house project! 👉 Schedule …

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Freeze, Pull, Repeat: The Credit Game Homebuyers Must Master 9/15 Market Update 19:53

4M ago19:53

19:53

Send us a text The Federal Reserve's meeting this week is expected to cut interest rates - Check in next week for the latest announcement! The recently passed Homebuyer Protection Act eliminates predatory trigger leads that previously bombarded consumers with hundreds of calls after a mortgage credit check. Listen now for the details! Also, more cr…

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Beyond Commission Splits: What You Need to Know About Broker Alignment - Chapter 9 10:40

4M ago10:40

10:40

Send us a text Aligning with the right broker or business partner is crucial for real estate success, yet many agents struggle with this decision. I wrote chapter nine of my eBook specifically to address this common challenge after repeatedly answering questions about brokerage alignment. Listen now for all the things you might not be thinking abou…

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Why This Moment Matters for Both Buyers and Sellers in Today's Market 11:44

4M ago11:44

11:44

Send us a text Mortgage rates have hit their lowest point in 18 months, creating opportunities for both buyers and sellers as we approach the sweet spot before home prices increase. Listen Now for All the Latest in this Monday Market Update! Some Key Takeaways: • Jobs report came in lower than expected, causing the 10-year treasury bond to decrease…

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Are Your Goals Worthy of You? Chapter 8 13:03

4M ago13:03

13:03

Send us a text Chapter 8 - Are you worthy of your goals? The most powerful revelation that changed everything for me came when my coach said I'd need to leave behind 50-80% of who I am to achieve my biggest aspirations. This revelation forms the foundation of true goal setting. If your goal doesn't simultaneously excite and terrify you, it's not bi…

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Your Home's Hidden 50% Value Jump: The Five-Year Appreciation Secret - 9/2/25 Update 18:32

4M ago18:32

18:32

Send us a text This Week's Update - The housing market is showing improvement in interest rates, with potential cuts coming from the Fed through the end of 2025, creating refinance opportunities for those with rates above 7%. Tariff Talk as well - depends on the court's ruling... Home appreciation data reveals a dramatic increase pattern: 2% in one…

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Mortgage Rates Drop After Fed Signals - 8/25/25 Monday Market Update 15:20

4M ago15:20

15:20

Send us a text The mortgage market saw significant improvement last week after Fed Chair Powell signaled a likely rate cut at the September 17th meeting, with rates dropping to around 6.25%. Listen NOW for all the details you need to know! This week we explore property occupancy rules in light of Fed Governor Lisa Cook's mortgage fraud investigatio…

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Late Payments & Lending: Understanding Your Options After Financial Hardship 15:00

4M ago15:00

15:00

Send us a text Mortgage rates have stabilized around 6.5-6.625% as markets await the September Fed meeting where rate cuts are highly anticipated. Financial experts believe the Federal Reserve has waited too long to implement rate cuts and will need to be aggressive with multiple cuts through year-end to catch up. • Friendly Reminder - Fed rate cut…

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The Fed's Plan to Cut Interest Rates Three Times Will Transform the Mortgage Market - 8/11/25 Monday Market Update 9:42

5M ago9:42

9:42

Send us a text The Fed has announced plans to cut interest rates at least three times over the next three Fed meetings, which is great news for the mortgage market even though rates aren't directly tied to Fed rates. As we approach mid-August, it's crucial to review your goals, understand your business metrics, and begin planning for 2026 since rea…

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Market Pulse: Rates Drop & Mortgage Updates - 8/4/25 Market Update 7:21

5M ago7:21

7:21

Send us a text Interest rates have improved following a favorable jobs report, while Fannie Mae and Freddie Mac are expanding appraisal waivers to loans with lower down payments and high credit scores. • Interest rates dropped about a quarter point (60 basis points) after Friday's favorable jobs report • Fannie Mae and Freddie Mac redefining apprai…

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7/28 - The Market Is Shifting, But Top Performers Aren't Feeling It 11:07

5M ago11:07

11:07

Send us a text We're more than halfway through the year, and it's time to assess our goals and business strategies. Top-performing agents with solid foundations are hardly feeling the market shift, continuing to receive steady referrals and leads while creating their own economy regardless of market conditions. • Interest rates have settled back in…

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Powell vs. Trump: The Battle That Affects Your Mortgage - July 21st Monday Market Update 14:45

5M ago14:45

14:45

Send us a text The mortgage market is experiencing volatility with interest rates fluctuating between the mid-to-high 6% range after pushing toward 7% last week, showing increased responsiveness to economic news and policy shifts. • Interest rates have been affected by Federal Reserve meetings and uncertainty around fiscal policy • Tension exists b…

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Be Yourself, Build Relationships: Your Path to Real Estate Success - Chapter 7 Fall In Love With Sales 10:35

6M ago10:35

10:35

Send us a text Chapter 7 - Fall In Love With Sales Embracing sales is essential for success in real estate and business generally. Sales isn't about being pushy but about effectively communicating your value proposition in an authentic way that aligns with your personal style. Listen for the following tips and MORE! • You can't help clients if you …

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The Credit Score Revolution - Monday Market Update 7/14/25 14:08

6M ago14:08

14:08

Send us a text The Real Estate landscape is changing with Fannie and Freddie now accepting Vantage Score 4.0 for mortgage approvals, which includes rent, utilities, and cell phone payments that weren't previously considered. While we wait to see how interest rates will develop, successful agents are focusing on consistent action and authentic human…

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Fernie Real Estate Market Update – July 2025: Buyers Return, Prices Rise, and Inventory Tightens 5:13

6M ago5:13

5:13

Send us a text In this episode of The Property Mindset Podcast, Phil Gadd breaks down Fernie’s July 2025 real estate trends — where sold listings have surged, average prices climbed, and inventory is tightening across the valley. Discover what this shift means if you’re buying, selling, or investing in Fernie, BC. Get clear insights into pricing tr…

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Rates Down, Stocks Up: The Housing Reality Nobody's Talking About 9:23

6M ago9:23

9:23

Send us a text Interest rates continued their downward trend last week, settling into the 6.5-6.625% range as the stock market reached all-time highs following a significant Senate bill passage. • Interest rates saw consistent decreases throughout last week • Stock market at all-time high, positively affecting mortgage bonds • Recent CNBC report hi…

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Bombs, Basis Points, and Breaking Free From Property Taxes 17:36

6M ago17:36

17:36

Send us a text Mortgage interest rates hit a 30-day low, dropping 25 basis points today amid international tensions, while Florida's Governor DeSantis proposes eliminating property taxes on primary residences, which would impact billions in state revenue. • Interest rates for 30-year fixed mortgages falling to around 6.5%, with volatility expected …

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Beyond the Headlines: Finding Truth in Today's Real Estate Market - June 16th, Monday Market Update and Mindset Call with Nikki, Cari and Angie 14:56

7M ago14:56

14:56

Send us a text The real estate market experiences volatility due to the Israel-Iran conflict while navigating inaccurate market reporting and dealing with predictions for future appreciation rates. • Interest rates fluctuated between 7.5% and 6.375% last week due to the Israel-Iran conflict affecting oil prices and bond rates • Current mortgage rat…

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Selling Without Being "Salesy" Taking Real Estate from Hustle to Harmony: CHAPTER 6 10:06

7M ago10:06

10:06

Send us a text We're always selling, whether to clients, family, or friends, and embracing this reality is essential for real estate success. Finding an authentic sales approach that aligns with your personality and values creates sustainable business growth without feeling pushy or inauthentic. • Selling isn't about being pushy—it's about clearly …

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June 9th, Monday Market Update and Mindset Call with Nikki, Cari and Angie 11:44

7M ago11:44

11:44

Send us a text The Monday Market Update returns with key insights on changing real estate markets across the United States, highlighting significant regional differences and explaining why waiting for interest rates to drop might cost buyers more in the long run. • Jobs report exceeded expectations with 160,000 new jobs versus the anticipated 92,00…

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Taking Real Estate from Hustle to Harmony: CHAPTER 6 13:53

7M ago13:53

13:53

Send us a text Our self-image determines our success and when we break promises to ourselves, it takes a significant hit. We must treat our business like a business by showing up consistently, optimizing our time, and focusing on income-producing activities instead of time wasters. • Set achievable goals that push you slightly beyond your comfort z…

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Fernie Real Estate Market Report: May 2025 – Buyer’s Market Deepens as Listings Fall and Homes Sell Faster 5:33

7M ago5:33

5:33

Send us a text May 2025 reveals a tale of two markets—sales are down, prices are cooling, but properties are moving faster. 📊 New listings dropped 24% 💰 Sale prices fell 2% ⏱️ Days on market down by 53% 🛑 MSI sits at 7.3, solidifying a strong buyer’s market Tune in for this month’s insights into Fernie's evolving market and what it means for your n…

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June 2nd, Monday Market Update and Mindset Call with Nikki, Cari and Angie 16:13

7M ago16:13

16:13

Send us a text Here is the latest going on in the Market and a boost of Gratitude! • Trump announced doubling down on tariffs with China and the EU, affecting 10-year Treasury rates • Redfin's claim about seller/buyer imbalance lacks supporting data and seems designed to incite fear • Building trust requires becoming the reliable source of accurate…

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Taking Real Estate from Hustle to Harmony: CHAPTER 5 6:26

7M ago6:26

6:26

Send us a text No Secret Agents!! Secret Agent Syndrome keeps many business professionals hiding rather than thriving because they care too much about what others think. This mindset limits growth and prevents success, but by taking uncomfortable actions daily and getting past rejection fears, you can transform your business overnight. In order to …

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Taking Real Estate from Hustle to Harmony: CHAPTER 4 8:28

7M ago8:28

8:28

Send us a text Successful real estate agents understand the critical difference between having a database and cultivating a databank of valuable relationships that generate consistent business. • Agents with years of experience still struggle with inconsistent results despite having hundreds of past clients • Average people know 250-600 others who …

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Navigating HOA Insurance Requirements and Student Loan Changes 1:00:21

7M ago1:00:21

1:00:21

Send us a text This is a MUST LISTEN to call!! Packed with information you need as an agent!! Mortgage rates remain in the high 6% to low 7% range as the Federal Reserve continues to prioritize fighting inflation over addressing rising unemployment levels. Student loan repayment options and HOA insurance requirements are undergoing dramatic changes…

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Taking Real Estate from Hustle to Harmony: CHAPTER 3 14:54

8M ago14:54

14:54

Send us a text Lead Generation, It's a numbers game! Trust your intuition when it comes to client selection—taking on clients who aren't a good fit will cost you more time, energy, and money than turning them away. The contrast between working with ideal clients versus poor-fit clients will clarify what you truly want in your business. • Learn the …

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April 2025 Fernie Market Update – Tariffs, Elections & Buyer Hesitation 5:23

8M ago5:23

5:23

Send us a text In this episode, we dive into the April 2025 Fernie real estate numbers—where tariffs, election tension, and shifting buyer confidence are showing up in the data. 📉 Listings and sale prices are down. 📈 Days on market are up. But there's more beneath the surface. Whether you're buying, selling, or watching from the sidelines, this epi…

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May 5th, Monday Market Update and Mindset Call with Nikki, Cari and Angie 16:47

8M ago16:47

16:47

Send us a text Mortgage interest rates experienced volatility last week due to rumors about Japan selling treasury securities but have since stabilized back into the high 6's with expectations to settle in the mid-six range throughout the week. Student loan collections have officially begun for approximately 10 million Americans with delinquent loa…

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Taking Real Estate from Hustle to Harmony: CHAPTER 2 17:06

8M ago17:06

17:06

Send us a text When we say yes to something, we're inevitably saying no to something else, which is why effective calendar management is critical for real estate professionals. Your calendar directly reflects your priorities and correlates with your bank account—successful agents plan like business owners by blocking time for consistent prospecting…

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April 28th, Monday Market Update and Mindset Call with Nikki, Cari and Angie 20:29

8M ago20:29

20:29

Send us a text The real estate market shows signs of transitioning from a seller to a buyer's market with Florida leading the way at 13% of homes currently for sale while other states remain around 6-7%. How long will it take for this to move across the country... Interest rates continue to be volatile but are settling in the mid-to-high 6% range w…

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Taking Real Estate from Hustle to Harmony: A Journey Through My eBook CHAPTER 1 30:52

8M ago30:52

30:52

Send us a text On this episode I share why I published my eBook "From Hustle to Harmony: Balancing Business Growth, Personal Life and Creating a Winning Mindset" I read the Introduction and Chapter 1 Included: • The difference between amateurs who let excuses stop them and entrepreneurs who show up consistently • Growth requires getting comfortable…

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