Aloha, my name is Lane!
“The true meaning of wealth is having the freedom to do what you want, when you want, and with whom you want. Building cash flow via real estate is the simple part. The difficult part occurs after you are free financially to find your calling and fulfillment. But that’s a great problem to have ;)” excerpt from “The One Thing That Changed Everything”
After 12 years as a Licensed Professional (PE)Civil/Industrial Engineer, I fired the boss and began to focus 100% of my time on my investing and helping others in my Passive Investor Accelerator & Mastermind.
I began investing in 2009 in rainy Seattle, being a ramen eating cheapo I was able to buy a property early right after college. After discovering the difference between ‘Cashflow Investing’ and ‘appreciation investing (gambling/speculating)’… I moved my portfolio into 11 single family rentals in Birmingham, Atlanta, Indianapolis, and Pennsylvania. Today, I am investing in syndications which invest in Class C & B Multi-Family Apartment, RV Parks, mobile homes, and assisted living facilities because of this Nation’s demand for affordable housing – not rich people Class-A assets. My mission is to help regular people into good deals that were once only accessible to the rich. The passive income from investing in stabilized rental properties made it possible for me to move back home to Hawaii where the cost of paradise is 10%+ cost of living and -30% less pay for comparable jobs in the US mainland. There I was able to live a lifestyle where I was able to bike to work. It did not take me long however to finally quit the day job and ditch the e-bike for a Mercedes.
Annoyed by the bogus real estate education programs out there (that take money from people who don’t have it in the first place), I set out to make this free website to help other hard-working professionals, the shrinking middle-class dispel the Wall-Street dogma of traditional wealth-building and offer an alternative to “garbage” investments in the 401K/mutual funds that only make the insiders rich. We help the hard-working middle-class build real asset portfolios by providing free investing education, podcasts, and networking plus access to investment opportunities not offered to the general public.
My Story & 4 starter ideas for investing
Educating my students
I used to be a Licensed Professional (PE) Civil/Industrial Engineer (LinkedIn Profile), thus the reason for the graphs and numbers in the posts. Shortly after college graduation, I spent my first 7 years of my career working for a For-Profit Private company. I supervised a traveling, union-based crew. In my mid-twenties, it was cool being on expenses all the time and all the airline/hotel points I collected, but then I realized how dumb it was…
…the only people who cared about my Platinum Status was the other suckers in first class who did not have any other family, no hobbies, no life.
Although I am grateful that I had a well-paying job post-2008 recession, I traded the most important resource, time for money. After almost being fired, I vowed to never be in a vulnerable position where someone else controlled my fate.
My Professional Resume
BS Industrial Engineering (University of Washington)
MS Civil Engineering (University of Washington)
Professional Engineer (PE)
2007-2012 Supervisor of 100% traveling Union Capital / Maintenance Crew
2013-2015 Project Engineer – Design/Permit/Construct $185M
2015 – 2017 City Engineer – Sidewalk, Signal, Streets, Drainage, Erosion Control
2017 – 2018 Airfield Engineer – Capital work to upkeep State airport taxiway, runways, and navigational aids
2018 – 2019 Facilities Engineer
4/9/2019 Full-time investors and Real Estate Mentor
In 2009, after doing these silly things… I was able to save for an A-class rental that rented for $2200/a month in the Pacific Northwest (how embarrassing a Rent-to-Value Ratio of 0.5% – see a video). After my 2nd acquisition of a duplex in 2012, I was looking to make a 3rd but the market was appreciating and I saw the numbers would yield negative cashflow.
With this realization, I converted my portfolio to markets with stable multifaceted job markets and Rent-to-Value Ratios that would yield healthy $250-$400/month spreads between the rents and expenses (mortgage, vacancy, professional management, repairs, and capital expenses).
As of 2016, my portfolio consisted of 11 single family homes in Birmingham, Atlanta, Indianapolis, and Pennsylvania. This was the most difficult part of building this portfolio. This is not a get rich scheme.
Robert Helms was one of my mentors starting in 2010.
In 2019, I was able to share a speaking panel with him!
16 Apartments Buildings Purchased, 2 Manufactured Home developments, and an Assisted-Living Facility
2,600+ Total Units
10 US Markets – AL, GA, IN, OK, LA, IA, TX, HI, WA, PA
El Paso, Texas – 309-unit Class C Apartment – Video available on request for Club members
Lake Charles, Louisiana – 80-unit Assisted Living Facility (2018)
Gulfport, Mississippi – 101-unit Class C Apartment (2018) – Video available on request for Club members
Fort Worth – Texas – 168-unit Class C Apartment (2018) – Video available on request for Club members
Moberly, Missouri – 77-space Mobile Home Park (2018) – Video available on request for Club members
Huntsville, Alabama – 49-unit Class C Apartment (2018) – Video available on request for Club members
Huntsville, Alabama – 42-unit Class C Apartment (2018) – Video available on request for Club members
Huntsville, Alabama – 70-unit Class C Apartment (2018) – Video available on request for Club members
Atlanta, Georgia – 114-unit Class-C Apartment (2018 July) – Video available on request for Club members
San Antonio, Texas – 253-unit Class B Apartment (2018 April) – Video
Des Moines, Iowa – 52-unit C+ Class Apartment (2018 March) – Video
Lake Charles LA – 199-unit RV / Mobile home development (2018) – Video
San Antonio, Texas – 192-unit Class B Apartment (2017) – Video
Houston, TX – 125-unit Class C Apartment Building (2017)
Oklahoma City, Oklahoma – 170-unit C-class apartment (2017) – Video
Oklahoma City, OK – 110-unit Class C Apartment Building (2017)
“Infinite Banking” Life Insurance – (2017) Webinar – Email me for the lowest fee guy
$60K in American Home Preservation Fund (2016) – InvestinAHP.com
Birmingham, Alabama – 1 B- Class Single family home (2014)
Previously Held Assets (Why we sell? Return on Equity):
Indianapolis, Indiana – 1 B- Class Single family home (2015)
Atlanta, Georgia – 5 C+/B- Class Single family home (2015)
A bunch of Private Lending deals…
In field videos – Fix and Flip to Retail Birmingham AL – Video
Rehab to Retail PML 3909 4th Ave Birmingham AL – Video
Rehab to Retail PML 577 60th St S, Birmingham AL – Video
New Castle, Pennsylvania – 1 Single family home (2013-2017) – Failed syndication as LP
Seattle, Washington – 1 A- Class Single Family Home (2012-2017) – Air-Bnb Fail Video
Seattle, Washington – 1 B+ Class Duplex (2011-2014)
Seattle, Washington – 1 A Class Single Family Home (2009-2014) – Video
For those who are able to save more than $30k a year or have substantial liquidity (over 200k), being a landlord and especially flipping is a lot of work. If you like it cool/good for you… but just remember why we got into this… To be free from a JOB. A lot of us (80%) who stumble upon simplepassivecashflow.com and start drinking Kool-Aide will be financially free in 4-7 years pending taking action. So I always urge people to start with the end in mind and take a more passive approach.
Focus on being an Investor not a Landlord.
Do the math here… with 300 dollars per property (2 months of work to buy a turnkey rental) you are going to need 20-40 of these to replace your income. I have 10 of these and have systems in place but have 1-2 evictions a year and 3-4 big things that happen. Image if I had 30, just 3 x those numbers.
Directly investing in a turnkey rental or small MFH is a good way to start to learn and build up the war chest to go into my scaleable investments such as private placement syndications. Whatever you do, try to be as close to the investment as possible. This is the fundamental problem I have with Wall Street who takes too much fees off the hard-working efforts of the middle class.
If your net worth (income minus expenses) is under $200,000 or barely save $30,000, syndications are not for you. Stick with these Turnkey rentals despite what Gurus (who are trying to sell you their program) tell you for now. They have a little higher gains (a lot more volatility) but a syndicator who is willing to put you in a deal with more than 10-20% of your net worth is asking for trouble.
*PS never liked the idea of whole-selling where you basically steal houses from people at 50 cents on the dollar and say you are “helping people solve problems”
Check out all the videos on our YouTube channel
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Networking with other Buy-Hold investors I discovered two things:
1) Passive investors are hard to spot out among the typically ‘active’ RE crowd, therefore trading best practices was very difficult and
2) Passive investing is often boring since this is not a get rich quick method of building wealth and uneventful (if things are going well there aren’t too many cool stories).
This podcast and blog are meant to distill content just to the golden nuggets for the passive Real Estate Investor. I plan to go beyond the newbie tips that clutter the internet and cocktail parties because lets’ face it, as a passive investor your time should be spent on things that you love to do and those who are important to you (not trolling real estate internet forums or making makeshift plumbing repairs on your property).
As I get more experienced, I recognize that there are a lot quicker ways to make a lot of money in Real Estate such as apartment investing, flipping high-end properties, or development but for the time being I have a full-time job that is alright and until that changes this is the path that I have zeroed in on. So if you are like me, join me on this train and if you don’t like your job and want to quit you can get on board too we will wake you up when it’s your time to escape the rat-race.
Real Estate has empowered me financially I wanted to give back to the investor community.
My Motivation For Creating this Site:
1) Begin with the end in mind and decide now what you want your obituary to read. We are only here on this earth for a finite period. I like this picture because this is what will probably be on the welcome table at my funeral. I hope you can make it! Rich Cohen wrote that there are four rungs of being remembered after death: “newly dead; dead but remembered; dead and all those who knew you dead; dead and all those who knew those who knew you dead.” In terms of YOU…All that matters is what happens when you’re alive. Your legacy will offer you no pleasure after you’ve passed so live how you dream but know that there are some unconventional paths that you have to take (like buying cashflowing rentals not in your home state). And for myself…fame will do you no favors for me once I die but at least people can use SimplePassiveCashflow.com to get out of the rat race. And if that does not get your going listen to the wisdom of Frank Ostaseski.
2) Create a repository of information where my unborn children or others can reference with some context into what I was thinking. Plus I got tired of telling my friends who never took action on the advice I gave. Creating a podcast has greatly impacted my life by allowing me to meet with so many people and many of those I have built strong relationships with even outside of money and real estate.
Why a Podcast?
I jumped on the podcast ban-wagon in 2007 while I was working on the road when I did not have a friend near me. It got me into Crossfit in 2008, Paleo in 2009, Real estate investing in 2010, intermittent fasting in 2013, internet marketing in 2015, and led to meeting and creating friendships with a lot of you because we are aligned on the same wavelength. Yes… The phrase “we met on the internet” is totally acceptable! Obviously, a few of these interests have come and gone but in the macro sense, podcasts have instilled a lifelong interest and ability to learn.
Vinney Chopra calls it Automobile University.
3) While I am alive I want to teach/empower others to fish for themselves. In real estate, we use leverage and by teaching others, I am leveraging other people to achieve their financial goals in hopes that they will pay it forward. I poke fun at MLMs a lot but I would like to create a pyramid scheme of philanthropy.
I’ll be honest when I almost got fired from my W2 job for nothing that was my fault (https://youtu.be/GsBDxzw6Ass) and saw how much Wall Street/mutual funds rob people, I get pissed. Which got me through the first six months of building this platform. As you know anger can only take you so far… As you will read in my book I realized the positive impact I was making which ultimately is a more sustainable fuel source for the mission that is SimplePassiveCashflow.com.
What is the change that you want to make in the world even if its a 1% move in the needle? Financial education – people have such struggle so much to make ends meet.
I was baptized on Easter 2016 and searched for a way to give back. I want to help others but I struggle with giving money away because I know I can grow my money much faster and I am much more frugal than any philanthropic organization. Bill Gates gave back only after he amassed a fortune. Tithing as you go along has a smaller cumulative impact. My end game is to give away my wealth to rightful causes via a Charitable Remainder Trust. As I grow my local community in Hawaii, I try to surround myself with like-minded people who want to help other good people financially… (not like having some sort of lame for-profit coaching business based of referral fees). I don’t know how this is going to come together but I am conscious of running a non-profit entity the right way.
4) I hope my blog/podcast will help families realize the powerful wealth-building effects of real estate so they can spend their time on more important, instead of working long hours and worrying about their financial troubles. There are a lot of successful families with good jobs (teachers/engineers/programmers/finance) yet they struggle to make ends meet financially. It is their kiddos who ultimately get the short end of the stick. (Cool graphs on this subject) Being a Latch-Key Child growing up, both my parents had to work and I was left home alone after school to fiddle with my thumbs.
With Real Estate you are able to grow your wealth exponentially faster than the conventional 401K’s and stock investing, therefore you are able to escape the dogma of working 50+ hour weeks at a job that is unfulfilling. And if you are one of the lucky ones who happen to do what you enjoy… well good for you
Money is not everything but it is important because it gives you the freedom to live life on your terms.
It is a great time in history to be alive with general peace and technological convinced, I see a silent war being waged upon the shrinking Middle Class. This is the Civil Rights movement of my time. In a way, people are having a Stockholm Syndrome with Wall Street profiteers being the captors. Let’s work together to redirect money from the Wall-Street casinos and corrupt financial institutions…To help the endangered ‘Middle Class’ savers find safer, more profitable investments in Main Street opportunities benefiting local communities.
“I walked the linear path for much of my life. Raised as part of the disappearing “middle-class” programmed me to study hard in school, checking the boxes on extracurricular activities, cramming for the SATs, and getting a high GPA to get into college, all to live a “practical” life. Growing up, we were told to “waste nothing” and turn off the lights every time you leave a room. I still feel guilty to order a soft drink at a restaurant as opposed to tap water.” excerpt from “The One Thing That Changed Everything“
I realized that I had the ability to lead other hard working professionals to financial freedom so they did not have to blindly invest and go to their day jobs....
Why this podcast/website/syndicating deals is the perfect storm:
1) I don’t have kids. After learning about hundreds of listens situations via free calls I hear that this sorta complicates things…
2) I am an ISTJ (introversion, sensing, thinking, judgment abbreviation used in the publications of the Myers–Briggs Type Indicator). I don’t really know what the last three manifest in my life but I am a recovering introvert – a side hobby is this group I started to help others get out of their shell. I believe an introvert has nothing to do if you like people or if you are loud and annoying. Your affinity is determined where you derive your energy. Going to the day job and working with you know “others” was really tiring for me. The weirdest thing is that when I talk to others over the phone or in-person I get so excited and sometimes a little too passionate. That’s how I knew I was on to something. I’ll say it many times but what really fires me up is redirecting money from the Wall-Street casinos and corrupt financial institutions…To help the endangered ‘Middle Class’ savers find safer, more profitable investments in Main Street opportunities benefiting local communities. Part of the reason I moved back to home to Hawaii was to bring back what I have learned to 1) impact professionals who bought the house, commute two hours every day, but still struggle with finances and 2) help displaced immigrants to Hawaii who do not mind going homeless and don’t embrace entitlement or education. My Vision is that I can partner with a group like Projectdestined to make social change in my hometown. Just as we crowdsource deals, if you have any ideas, please let me know. I will be honest, at this point, to use an airline analogy, I am “still trying to put my oxygen mask on first.”
“My mission is to teach and empower good people to realize the powerful wealth-building effects of real estate so they can spend their time on more important ventures and passions instead of working long hours and worrying about their financial troubles.” excerpt from “The One Thing That Changed Everything“
The rest of my profile…
Tired of reading? Get to know me by listening to my past guest podcast appearances:
Podcast Guest – Real Estate Basics For W2 Employees with Lane Kawaoka – Winners, Wallets and World Views – 8/5/2019
Podcast Guest – Passive Apartment Investing with Lane Kawaoka – Real Estate Investor Summit Podcast – 7/18/2019
Podcast Guest – WTR Interview: Lane Kawaoka, the secrets of passive cashflow – Wealth Tactic Rebels Podcast – 7/17/2019
Podcast Guest – Achieving Your Passive Income Goals with Lane Kawaoka – YellowBird Connect – 7/17/2019
Podcast Guest – Investing in SFR vs Multifamily, Passive vs Active Investing, and More with Lane Kawaoka – The Real Estate CPA Podcast – 7/11/2019
Podcast Guest – Going From Full-Time Job To Full-Time Investor – Passive Real Estate Investing – 7/9/2019
Podcast Guest – Investing As A Working Professional – Passive Real Estate Investing – 7/2/2019
Podcast Guest – Real Estate Investing for Passive Income with Lane Kawaoka – Inspired Money – 6/25/2019
Radio Guest – KCAA: Julie Talks Money – 6/1/2019
Radio Guest – Building Passive Income While Working a Job – The Chris Miles Money Show – 5/24/2019
Podcast Guest – Passive Cash Flow Real Estate Investments with Lane Kawaoka – Money Tree Investing Podcast – 5/10/2019
Podcast Guest – Passive Investing Using Real Estate (w/ Special Guest Lane Kawaoka) – Small Business Tax Savings Podcast – 5/8/2019
Podcast Guest – Real Estate w/ a Fulltime Job? A, B, C Properties? R to V Ratio? Feat/ Lane Kawaoka – DMGH Podcast – 4/14/2019
Podcast Guest – Hawaiian Style, with Lane Kawaoka – Smart Real Estate Coach Podcast – 2/20/2019
Article featured in Forbes – Is All Debt Bad Debt? – 3/29/2019
Podcast Guest – How To Build Passive Income Even As a Busy Professional – 4/1/2019
Podcast Guest – Limitless Estates Podcast – 3/17/2019
Podcast Guest – Monumental Podcast – 3/1/2019
Podcast Guest – Hawaiian Style – 2/20/2019
Podcast Guest – Larry Goins Podcast – 1/21/2019
Podcast Guest – Creatively Speaking Radio – 12/29/2018
Podcast Guest – Dream Chasers: The Hawaiian Hustler – 12/16/2018
Podcast Guest – Building a Sustainable Real Estate Syndication Business – 11/11/2018
Podcast Guest – Real Estate Guys Radio: Halloween Horror Stories – 10/31/2018
Podcast Guest – Balancing a full time job and creating passive cashflow – 10/29/2018
Podcast Guest – Syndicator turned passive investor – 10/16/2018
Podcast Guest – Passive Income Investing – 10/10/2018
Article featured in Forbes – Three Financial Metrics Investors Must Monitor To Evaluate A Property’s Success – 9/26/2018
Podcast Guest – How Turnkey Properties Opened The Door to Multifamily Investing – 9/21/2018
Mentioned in Small Biz Daily – 6 Tips to Be a Great Podcast Guest – 9/19/2018
Podcast Guest – How This Civil Engineer Went From Accidental Landlord To 1600 Units – 9/16/2018
Podcast Guest – What You Need To Know About Multifamily Investing For Cash Flow Opportunity – 9/13/2018
Podcast Guest – The Highs And Lows Of Syndication Partnerships With Lane Kawaoka – 9/11/2018
Podcast Guest – Commercial Real Estate – Limited Partner in a Multifamily Real Estate Syndication – 7/26/2018
Podcast Guest – Ask Buck Joffrey with Lane Kawaoka – 7/17/2018
Podcast Guest – Big Break Through – Syndication Success while working full time – 7/9/2018
Podcast Guest – Cashflow Guys Podcast – Raising Money For Apartments – 6/29/2018
Article featured in Forbes – Today’s Best Resources For Finding Renters And Deals – 6/25/2018
Podcast Guest – Epic Real Estate Podcast with Matt Theriault – 5/31/2018
Podcast Guest – Cracking the Entrepreneur Code – 5/24/2018
Article featured in Forbes – How To Pay Off Your 30-Year Mortgage In A Fraction Of The Time – 5/7/2018
Podcast Guest – REI Diamonds – Syndicating Capital for Apartment Complex Deals – 4/21/2018
Podcast Guest – Retire Early Retire Happy Podcast – Learn to setup Simple Passive Cashflow – 4/18/2018
Podcast Guest – Enterprise Now – Stop Living the Program. Get Off the Linear Path – 4/16/2018
Podcast Guest – Moving Forward – Passive income, property, podcasts – 2/2018
Podcast Guest – Paul Maskil – Simple Passive Cashflow though Real Estate Investing – 2/2018
Podcast Guest – What’s the Best and Highest Use of $20 Million in Real Estate Investing? – 2/2018
Podcast Guest – Wealth Formula – Co-Hosting Ask Buck Episode – 1/2018
Podcast Guest – How To Lose Money – Work with those you know, like, trust. And in your network – 1/2018
Podcast Guest – The Land Geek with Mark Podolsky – Trading time for money – 12/2017
Podcast Guest – Wheelbarrow Profits – leaving SFHs for MFHs – 12/2017
Podcast Guest – Clayton Morris – Don’t buy a class A rental – 12/2017
Podcast Guest – Apartment Building Investing with Michael Blank – Syndicating and Raising money – 12/2017
Podcast Guest – The Real Estate Way to Wealth and Freedom – 12/2017
Podcast Guest – Chris Voss – 12/2017
Podcast Guest – Simple Wholesaling Podcast – 12/2017
Podcast Guest – Hard Hat Holly – 12/2017
Podcast Guest – Pat Hiban’s Real Estate Rockstars – 11/2017
Podcast Guest – Revengeance Economics – 11/2017
Podcast Guest – Mark Allen’s Multifamily 5 – 11/2017
Podcast Guest – Investing in the US an Aussies Guide to Real Estate – 11/2017
Podcast Guest – Voom Voom Veer – 11/2017
Podcast Guest – Unstoppable Success – 10/2017
Podcast Guest – The Financial Survival Network – Investing without giving up the day job – 10/2017
Podcast Guest – Before the Millions – 10/2017
Podcast Guest – His and Her Money – Creating simple passive cashflow – 10/2017
Podcast Guest – Real Estate Radio LIVE – 10/2017
Podcast Guest – Commercial Real Estate Pro Network – 9/2017
Podcast Guest – Rich Soul – a deep dive on mindsets with Lane – 9/2017
Podcast Guest – The Real Estate Locker Room Show – 9/2017
Podcast Guest – Invest for More – Investing in out of state rental properties – 9/2017
Podcast Guest – Pensacola Business Live Radio – 8/2017
Podcast Guest – Money Ripples -Investing Secrets Your Co-Workers Don’t Know About – 6/2017
Podcast Guest – Joe Fairless – The 1% Rent to value ratio – 6/2017
Podcast Guest – Cashflow Ninja – Strategies for a 1031 Exchange – 4/2017
Podcast Guest – Old Dawgs REI Network – 12/2016
Podcast Guest – Wealth Formula – Buying rentals in Alabama – 2016
Podcast Guest – Wealth Formula – An engineer turns to turnkey rentals – 2016
Why is the day job so important (when starting)?
Decisions are significant players in determining the financial circumstances of your life.
One bad decision can cost you significant money.. A lot of my peer doing passive investing have pretty boring.. Yea I have failed for not doing my due diligence but for the most part I have taken very small risks from turnkey rentals to 90%+ stabilized non-recourse apartment investments today.
When you are in a position of weakness financially you tend to get attracted for the magic pill and that Jeepers Creepers guys whispering to you about “hey do you want to hear about passive cashflow.”
Guess what? There is nothing passive about getting cashflow.. If it were that easy to get then it would be easy for the next kid who lives in their mother’s basement to take it away.
When you are in a position of scarcity/weakness, all future decisions you make are made out of necessity – to solve some immediate short-term immediate need, which is usually a financial one.
By covering your bases and having a stable day job that puts food on the table you minimize the chances of a bad decision for the following reasons:
- Out of desperation, you fail to do your due diligence (homework) before making an investment;
- Out of desperation, you partner with someone whose background you really don’t know enough about;
- Out of desperation, you ignore facts or details that a non-desperate person would never ignore.
Never make a major decision when you are in a position of scarcity/weakness.. Only make major decisions from a position of abundance/strength.
For more on this subject of the day job go here.
- The only time you move fast… is to get things from the printer (at work)
- Beware of Cheap Easy Free
- Stop wasting time, just pay it
- When are you going to be an investor and not a landlord
- The 5 people you keep in close contact will be the end of you
- Don’t be an Ask-Hole, add value
- Don’t worry about the cost of a shovel when you are trying to dig a hole
- Go against groupthink
- Don’t be another Waldo
“I started the Hui Deal Pipeline Club because I want to see each of you get to your goals financially so you can focus on what is really important to you. There are other fundraisers out there that will train their investors down to 10-15% IRRs on crappy deals and do “deals to do deals” or to pick up acquisition fees. Between investing alongside you folks and wanted to grow my track record the right way with the best product I know you guys will keep coming back and bring your friends.”
SPC GET ‘ER DONE PLAN:
- Email me any feedback or questions at Lane@SimplePassiveCashflow.com.
- Hopefully, you will rate me 5-stars on Itunes… but if not email me how I can improve. For a limited time, if you leave me a 5-star review on Itunes please send me an email and click here to schedule a complimentary 15 minute think tank/coaching session.
- Check out the Podcasts and Blog articles I recommend starting here. If you are want to know the day-to-day things I manage to keep my portfolio progressing see the “My Story” posts.
- “You can get everything in life if you just help others,” said Zig Zigler. Are you always asking for and taking? If you have a scarcity mindset, you need start living with an abundance mindset.