Hey, simple passive cashflow listeners. Today, we have Mary McDonald here who is an author of a great book that you could find on Amazon called misfit and hell to heaven. Ex-pat so the reason why we are bringing. Mary onstage is because we like to do one of these touchy feely podcasts, know, maybe at least every couple of months, because a lot of the listeners who are listening are financially free.
You’re definitely on the right path to get there. Me certainly, I’m not to where I want to be, but I know. I’m on that flight path or that trajectory to get there. So I really try and make a conscious point to smell the roses along the journey. And you hear it all the time, even though you have hardly think it’s stupid.
Everybody says it’s all about the journey. Easier said than when you get there. Of course. But today, if you’re kind of rushing around trying to put on your own oxygen mask, trying to get your rentals or build your portfolio streams of income. Maybe take a break and, really embody what we’re going to talk about today,
but, um, It’s marihuana. give some quick background on yourself. You used to be a property, just like the rest of us were rental property owners. I started out just went to school and had, was an English major and then got married, had a couple of kids. Got divorced and then needed a job. So I was lucky I had done some bookkeeping for a bank.
So I went to work for a property management company. They had about a hundred units. And so I was thrown in the middle of that. There was two young men that had done. It started off as sheet metal workers and they started buying properties, rental properties, one at a time. And now after just a few years, they quit their sheet metal working and had all these properties all over town.
So a lot of them were run down. They bought them out. Discount, but they didn’t really bother fixing them. So it was a bit of a challenge for the type of tenants they drew. And it became my mission to get in there and organize everything, to bring the units up to a more habitable condition.
And then we better tenant that could afford to pay. Anyway, it was a, about a seven or eight. Project and I loved it. I loved working with people. And then at one point they said gee whiz, why don’t we start a property management company of our own. Kathy. My name is Mary Kathleen. I go by Kathy.
You go and get your real estate brokers license and we’ll do this well. We had a falling out over percentages, of course, when it came to it. So I started my own company. I left them and started my own company. It was the second one in town. So I had another lady ahead of me that I could see.
How she was doing it, but I loved it and it grew I, I hired my sister. I hired my daughter. We had a really good reputation. I was known as the land lady and I had oh gosh, I had probably. 35 units that I manage full-time and then I did hundreds of leasings. We lived in a university town, so there was lots of tenants that came in that were students, but I love this.
And I had a fiance that I was crazy about and life was good. And then things started coming apart. My fiance got transferred to the east coast. I didn’t want to leave my family and my business. And so we decided to split up. Soon after that he discovers, he’s got leukemia. He’s got to go get treatments in Seattle.
They’re going to try and save him at a research hospital. He was only 53 years old. We’ve been together for eight years and he needed a caregiver and I said, sure. So I dropped everything and it was only supposed to be a couple of months, get the treatments and then we’ll see how it goes.
Everybody was feeling good about it. We got up there and he would rollercoaster up the wood and hit the bottom. Then he’d beat up. And this other woman and I ran ourselves ragged for seven months taking turns, sleeping and driving and take him to the hospital. At the end of the seven months, he passed away and I was.
And physically, emotionally, mentally I didn’t know whether to go back to Santa Cruz to stay in Seattle, but I got the flu and in my run down condition it went to pneumonia and then to ARDS, which is very much like COVID, it’s a lung failure. My friend took me to the hospital.
Thank God I, my heart stopped and the ambulance that got me started again. And next thing I knew there were saying, Kathy you’re going to sleep. You’re going to sleep. You’re going to be fine. I was in an oxygen tent. Everybody was panicked and they intubated me and put me in a coma for about three weeks and really didn’t expect me to live.
Supposedly I’m laying there asleep, but I wasn’t, I slipped over to the other side. And the first thing I realized when I got back is that I never really knew I was dead. You don’t feel dead. You’re just still you don’t really have a mirror to reflect and say, whoops, I don’t have a body. You’re just you.
Opening my eyes in that situation was not good. I could tell something was wrong. There was this accurate smoke and a reddish glow. And then this horrible voice came at me with, do you know where you are? And I said, hell. And it just laughed this boisterous Bela Lugosi laugh.
I took off running because I used to do, I was terrified. It was a long process in that place. I went from being in this horrible bombed out city with these creatures creeping around to different sections of hell. At the time again, I did not have the luxury to be logical and sit down and say, wow, I wonder what’s going on at all times.
I was literally what I thought running from my mother. I, was given tasks by these demons that were really just cat and mouse games. They were playing with me. The tasks were impossible or they were disgusting or just terrible. Take my word for it. That I refuse to do that. Every time I refused to do something, I was thrown into a worse situation.
They kept saying that I should disappear. I should just give up. I was never getting out, but there was just something deep inside of me that thought, no, I’m a fighter man. I’m a survivor. And I will get out of here. At the very last section, I didn’t know it was going to be my last section and I never quite last my last sense of humor.
Okay. I did something and it’s all explained in the book, but it had to do with singing a Christmas Carol in hell and that’s not done. So with that Christmas, Carol coming to the words of Jesus. Boom. I found myself in this huge white light space and I was filled with joy and love. And it sounds so trite.
You hear people talk about this all the time, but when it’s you, it’s a totally different party. I knew again, I did not know I was dead. I just knew that I’d forgotten everything that had happened before. I had no recollection of hell no recollection. Of my family on earth, my job, nothing. I was just in this totally wonderful place that I didn’t ever want to leave.
And when I looked up and looked around, I saw my friend, the one who had died and I thought, oh my gosh, it was so thrilled to see him because he looked great. The last time I’d seen him, poor thing. He was bald. He was all purple with all the bruising and wasted away. And now we look fabulous and I, started to say something and I thought that’s when the recollection here, I thought, oh my God, he doesn’t know he’s dead.
And he started to laugh and I thought, wait a minute, if he’s dead, maybe I’m dead. And the thought of it sunk in, all right, bingo. You’re totally happy. You’re in this wonderful place. And you’re with your friends. I was astatic. I thought, oh my God, I made it to heaven and this is going to be great.
But then, and where all the angels like in the garden and stuff what’s going on. So he had been showing me something in this book. And when I came back, I couldn’t remember what it was, but I know now it was probably what I had to come back and do before I could return, because he said, now, Mary Kay, you’ve got too much left to do.
And it was like no hole. I was not going to go willingly. He just kinda smiled and shook his head and I woke up in the. I see you unit and there’s my family around me. I think they’re my family. I’m really not sure. My poor mind is full of drugs and I’m back. And I just remember being in heaven just a little while ago and how I had too much to do, but how could I do that?
Right now I was down to 86 pounds. I had no muscle mass. I couldn’t breathe on my own. I couldn’t move. I could blink and move one finger. And I was thinking, how cruel was that? You’ve got too much left to do, and you can’t even breathe on your own. I really feel for the COVID people and their families, because just because you survive three weeks in a coma, doesn’t mean your work is over.
They sent me to a rehab abilitation hospital for physical therapy. I had to learn how to do everything again, my muscle mass had evaporated, so I didn’t know how to crawl swallow. Tie his shoe walk, go up steps, nothing. I had to learn all of that all over again, just like a baby. And it took a month before I was able to walk to make my bed.
They wouldn’t let me go home unless I could do a few basic survival skills. But I did get home. And I had been dating this nice man that stood by my side unknowingly and during the whole coma, we got married and I tried to get back into my life. However, I was rather depressed about my. Financial situation.
I quit my job and sold my business to come help my friend and all that was gone. I had no home. I was 53 years old. I had just married somebody that I’d only known for about eight months and I was supposed to be doing all this work so I could go home to heaven. It was not good.
However, the real estate instinct in me kicked back in my husband and I said, let’s get a home. We need a home. We bought a Jeep home, lived in that for awhile. Then I had an inheritance. I bought another home. We rented out the first home and we started buying rentals up in Washington. The the real estate was practically free after living in California.
So you could buy rental, put the minimum amount down. And the rent that came in covered the expenses almost. So we started gradually building that back up. I read everything. I could get my hands on for the new things that were coming in. I found lending club. That was an organization I saw on 60 minutes where you lend money to other people through this company and they can skip the bank fees and all of that stuff.
And then they give you back a decent percentage of interest. So you’re helping people with your money. I liked the idea of that. I started doing that when they opened, I can’t remember how many years ago now, seven or something, but I’ve gotten a steady six and a half percent. And I pick my own people that I want to lend to that tells you who they are, what they do for a living, why they want the money gives you a credit report.
Anyway, it’s a hands-on kind of thing. And you feel like you’re helping people. I liked that. I liked also after coming back from this near death experience, this incredible. Feeling of needing to help people in worse situations than myself became almost overwhelming. I got great joy from giving money to homeless people.
People standing on the corner with a sign, give me, I just got such a sense of money, helping people, not only just helping myself. So that, that became very ingrained in me.
Like you had empathy the thing and the gave you empathy to see it from those people, the needy person’s eyes, or was it more, am I going to be I’m on earth for a little bit more? What it was this money, but what else could this money be going for? It was so interesting being dead because you didn’t have anything.
Physical you had you, there was that whole thing of you can’t take it with you became abundantly clear. I had no jewelry on, nothing that was there except my soul and what I did on earth that I brought with me, which was the good that I did. I brought with me. So when I saw it. People. I got, I had this thing after being in a wheelchair for quite a while.
I had this thing about being invisible. When I was in a wheelchair, it was an awful feeling. So when I got out and I would see somebody particularly homeless people in a wheelchair, I would go out of my way to look in their eyes and say hi, and just get shock on their face. Oh dude, I’m not invisible anymore.
Same thing. That sounds like it’s like you had that higher level of empathy, or you are aware a lot more aware of other people’s yeah. Sense that we’re all one, we’re all pieces of God. One person is not any more valuable than another. What you have is not as important as what you do.
And that’s what really brings you joy. It just seems to me that, money is a wonderful thing and it’s because you can use it to do things just to afford it or. Just only for myself, just brings a hunger for more. That’s what I found. I still love my real estate. I love what it can do for people.
I have a real empathy for homeless. My book I didn’t get into it to make money. I know I was sent back to write it. The book . Is more than just that one little three or four chapters about how it’s about my whole life and my family’s lives going way back, a couple of generations up till now and how we all struggle with things.
And we have to help one another. And I don’t know, I just feel like. The homeless are the people that need the most help. So I’m an advocate that direction, any money I make, half of it.
You’re in Tacoma and I’ve already given them a lot more than I’ll probably ever make, but it’s always worth it. Just go downtown sometimes and drive around and see the people sitting around the corner, particularly up here when it gets cold in the winter with nothing. If it doesn’t move you It probably something you should think about, but yes, we all have to provide for ourselves and our family, but there’s that need to also share.
And that’s what we usually teach our children when they’re small share, but we can’t lose that lesson. So what this is called the is NDE near death experience. It’s like an epiphany moment. Very, I don’t know what you would call, like a lot of you guys look like talk to has some kind of experience at work where you get fired, or you get passed up for a job or.
You go to someone’s retirement party and they have crappy Chinese noodles to wish somebody off for 50 years of hard work and dedication. And it’s similar. It’s a turning point in your life that you see another perspective and it takes you down another path, but it gets Kathy you’re in this realm of NDEs.
Do you see any, how other people react to it? Have you seen any other perspectives that you’ve seen from other people’s the, that you’ve spoken to as you shared your experience, it’s very lonely when you get back from a near-death experience, because most people don’t believe you. They don’t have any understanding.
The only ones would be sometimes emergency personnel who’ve seen this before. They’ll believe you, but your family doesn’t want to hear about it. They tell you it’s it was the drugs. Didn’t really happen. It was a dream, but this is a life altering experience. This is something that doesn’t go away and it changes you forever.
And it took me about 10 years to get up to them. N, which is the international association of near-death studies in Seattle. To where I found an organization of hundreds and thousands of people all over this world that have had NDEs and to go to their annual conferences and and the monthly meetings, and just be surrounded by people who have had this experience and who are also changed and are living in the world.
And they love living in the world, but they can’t wait to get home. That’s what changes you, you lose all fear. Nothing really can throw you off the rails much anymore, whether it’s politics or money or whatever, it’s all going to be okay. This life is really just a place. And I’ve learned from other people we choose to come down here and be who we are and learn the lessons we want to learn.
And God isn’t picking on us is something we’ve chosen. So I can give up victimhood. I can stop saying that person was mean to me. If they hadn’t done this, I picked every single thing that happened in my life. And so something weird happens that I don’t, like I say, wow, I wonder what the lesson was there.
But I look forward to going home and being, and having a that’s just indescribably. Great. But while I’m here, I’m going to enjoy the ride I’m going to do what I think I’ve been sent down to do. And just give people hope and give people a little hint that it matters.
What you do here? Most people up there get a life review. God’s not up there with a book saying, okay, you did this, you did that. God does not judge us. We get a life review and it’s not even a matter of judging ourselves. We just get to see what our actions did to every single person we ever came into contact with our whole lives and to feel how they felt when we interacted.
So when we’re interacting with people in a loving and kind way, we’ll be able to feel that if we’re being mean and stingy and hurtful, we’ll be able to feel that too. It can’t help, but change you, having that realization, having that happen to you? Yeah, I’ll say like in our community I now doing this podcast since 2016, hundreds of thousands of people I’ve come into contact.
I still do free initial onboarding calls to new folks who joined the club. It’s civil, passive cashflow.com/club. But I see so many different financial profiles. And more importantly, I see the similarities with the people who are going to reach financial independence and happiness, and those who don’t and those guys who don’t, they have this, what’s in it for me type of mentality.
They’ll come into the free, I have a free Facebook group, which is a kind of a a neat wait. So I can filter people into the community. These are the guys who is intermittently coming into the group and asking some random, okay, does anybody have a referral for this? Does anybody for this?
Everything’s me. They’re so stingy with their money, like you said, right there. And I get it. I was the same way, and that’s why I pick it up so quickly because I was that same way. It’s the people who. From what some of my mentors that spend money freely, especially on like expanding the business, or going on a trip to go visit a property. I see the stark contrast between somebody who doesn’t want to spend $50 on some kind of ebook to learn, or, and they continuously go to these free resources. CFEs is what I call it. Chief easy. And it’s funny because they don’t realize what they’re doing and everybody else who’s in the inner circle, who has that more abundance mindset.
They can point these people out super easily, and they distance themselves from those individuals. And unfortunately, these individuals never know, but I’m saying this because. Maybe take a self-awareness check of yourself. Are you somebody who, when money stops at you, do you afford money?
Like Scrooge McDuck? It’s okay to like, to see the numbers rack up in the bank account. I love doing that. That’s one of the fun things I like to do in the week is just check my bait count. I’m not going to lie, but are you somebody who. It’s hard to give away, especially to other people or to, do you spend money on education or meeting other people to expand your network, to expand your net worth?
Or do you hold it back for that next investment? But don’t want to get too preachy here, but I’m just saying, Hey, us in the inner circle we see these stark contrasts and these people never again to there. Because they have that type I agree with you. And not everybody has to go through and NDE near death experience to see that the other side, hopefully this worked for a lot of you guys.
Maybe next time we’ll do a wash, the cust ceremony, just kidding. But sometimes that’s what people need. Right. So people are so like, they’re still stuck. Serious. They get too serious. You got to lighten up. And that the last thing I’ll end with, and this kind of goes in with our retreat that we do every year.
And the communities that we try and foster is at the end of the day, y’all are going to be financially independent and likely five to 10 years. If you invest in the right side, You need to get on the simple passive cashflow gravy train, you get the passive losses, you pay less taxes. It’s math.
You’re going to be financially free five to 10 times faster than most people. The currency of the rich is relationships. I see it on Facebook all the time. Somebody posts something and nobody cares because that person is just one of those CFE guys. Cheap, easy. They offered no value to their people around them.
Who are the cool people in high school? The cool people, other than the cheerleaders and football players, blah, blah, blah, or the people who added value to other people. And that is ultimately when you’re older and you have the money you’re going to wish you had that. All right.
Any last thoughts before we wrap up? No just for fun, you can go to Amazon and buy misfit and hell they have an ex-pat. It is get a lot of humor in it. And I think a lot of people resonate with the type of families that I grew up with. And the bottom line is just to be loving and kind,
so we are not advocating going in engineering your own near death experience. There is no NDE in a bottle at this point. So the best we have is to learn from others. That’s right. That’s right. You’ll learn soon enough. Thank you. Yeah. Thanks for coming on Kathy. And everybody else maybe check out the networking section on.