All Forum Posts by: Joshua Michael Hauman

When considering real estate flips, there are a few ways you can look at profitability. Primarily how I evaluate a deal is off expected rate of return. Secondarily I focus on projected profit.

Risk assessment is crucial for me as well but since that is harder to quantify, I won’t describe that in this article. Before I got into real estate, I was a risk management analyst at KeyBank for 2 years, so I think I have a unique perspective on risk. If anyone is interested just leave a comment or DM me on that and I’d be glad to release a post on it.

Why I look at return on investment first is because it tells me more. Cash on cash return factors the cost and scale of deals in a way raw profit does not. For instance, I recently evaluated two potential flips - one with a $30,000 profit projection but requiring a $150,000 investment, the other a $45,000 profit with $270,000 spend.

Deal 1: 20% Return

Deal 2: 16.6% Return

ROI normalizes profit against total invested capital.

By targeting a minimum threshold return (I use 15%), my analysis builds in an acceptable risk/reward ratio. Setting profit goals alone leaves more to be desired- a $100k profit could still be a bad investment if achieving it requires $750k+ capital locked up for months. That would yield a 13.3% return which is under my threshold. Insisting on minimum returns ensures adequate compensation for my money and time as fix and flip is not passive by any means.

As a finance guy what I prefer even more is IRR. Internal rate of return. I like this metric the most as it factors for time value of money. Beyond accounting for investment sizes, IRR considers the element of time.

Take for example 2 deals all things equal, Flip A and Flip B. If Flip A takes 12 months and Flip B takes 6 months, Flip B's annualized return would be higher because capital is freed up quicker to redeploy elsewhere. Profit comparisons fail to capture this time value of money differentiation.

The bottom line is rates standardize investment decision making rather than lump sum profits. A rate of return makes assessing real estate deals simpler by baking in investment scale and in the case of IRR, time. I steer clear of fix and flips that don't meet target ROI thresholds, regardless of profit potential. Making return on capital the central evaluation metric improves my decision making and I hope using this will improve yours.

With Discipline,

Josh

Thank you Kyle!

Good question, in many cases it is less for us but a few things to mention there for my situation and the frame in which I'm writing from that will add some clarity:

1) I'm writing with some of those estimates padded for complications and issues.
2) I get more reward out of completing bigger projects. The projects I'm working on right now are all condemned. Typically these have larger demos, often require new building sketches, full electrical rewires, all new rough in plumbing etc.. Which adds to the timeframe.
4) My first 5 deals (at least) it took me about a month or two to set up the team, find contractors I like to work with and get comfortable with the process. Not all of them worked out on the first few deals but that's how it goes. You get more comfortable through repetition and we do it much faster now. I feel like 4-8 weeks for a newer investor is realistic but maybe that's just me. Much quicker when you know who to call and you've worked with them before.
5) I do all cash flips, no debt so holding costs are next to nothing which protects our margin. Not an excuse to delay action but a safeguard for when things go wrong. 
6) As @Alan F. mentioned real estate is very location specific which could be another factor. I've been able to get permits pulled in the same week and I've also had ones stretch out for months on end.

Hope this helps see the perspective I'm coming from! 

Every project I’ve done has had different requirements and dependencies. Understanding the key phases helps me form a structure on how long it’s going to take so I can effectively manage the timeframe and communicate with investors.

In most cases, a fix and flip renovation is broken into four main phases:

Acquisition Phase (2-8 weeks)

For me this is typically on the shorter end because I’ve spent years doing deals, understanding my market and building connections with agents, property managers and wholesalers who send me inbound deal flow. If you’re newer, expect to put in more work to find deals on the front end. Components I still do on each deal to help you consider are:

• -Research neighborhoods, real estate listings, and market trends
• Resources I use are the MLS and City data
• https://www.city-data.com/
• -Identifying an undervalued property
• -Estimate renovation costs and projected sale price
• -Make a competitive purchase offer and finalize financing

Pre-Construction Phase (4-8 weeks)

I have a core crew that does most of our projects but if you’re newer this takes time to build out in your market. Its outside of the scope of this article but I'll mention some ways I’ve found contractors to pull quotes:

Word of mouth from other investors and relators

Other contractors

https://www.bbb.org/

https://www.thumbtack.com/

Once you have a list:

• -Interview contractors and builders for bids and estimates
• -Finalize building permits and required paperwork
• -Order necessary materials and supplies upfront
• -Complete any necessary demolition or pre-construction

Construction Phase (2-6 months)

Depending on project size and how well your team operates this will vary. The general structure I account for is:

• -Gut walls/ ceilings, floors, bathrooms and kitchen where necessary
• -Complete rough electrical, plumbing, HVAC throughout
• -Build out new layout, if applicable, install drywall, paint, flooring
• -Finish with cabinets, countertops, fixtures and finishes

Listing Phase (6-12 weeks)

At this point most of the hard work as been done. This is where you get to see the fruits of your labor pay off.

• -Photograph property and create attractive listing materials
• -Stage home and style interiors for added appeal

I use virtual staging to create renderings for our flips to save time and money on renting furniture. It works for us. Probably not the best if you plan to do a lot of open houses or walkthroughs but that really depends on your end buyer profile.

• -Market the home (I leave this us to a relator)
• -Review offers and negotiate favorable sale terms

Wrapping it up

Our average flip from contract to closing is roughly 7 months. We have done some in as little as 8 weeks and others that stretch to a year. The entire process especially if you’re newer generally lasts 6-12 months. With a good deal, accurate estimates, skilled contractors, and staying on top of things through active management, you help yourself a better chance at profiting. The key is staying on budget, finishing on schedule, and ultimately marketing it well to sell for top dollar.

With Discipline,

Josh

The basic principles to succeed in growing your portfolio are taking consistent action, systematizing the business, and growing at a manageable pace by reinvesting and leveraging equity over time. There are ways to speed this up which is what we will be discussing.

To level set:

At its core, buy and hold real estate investing is a get rich slow game. Portfolio growth must be tempered with risk at the top of mind. Better to get rich slow than not at all. I’ve done multiple deals using the core 4 acquisition frameworks I’m about to describe as well as implemented the core four operational components I introduce, helping me scale my rentals from 2 doors to 9 in 8 months.

Acquisitions

House Hacking

Everyone situation is different. If you’re able to house hack and do it properly, its a decision that kickstarts your investing journey with minimal upfront investment and low risk. This entails living in one unit of a multifamily property and renting the other units. This minimizes your housing costs, reduces risk all while generating rental income to save up for the next property. I implemented this strategy for 2 years when I purchased my first property. Effectively I paid utilities and some minor repairs as my rent for 2 years which brings me to the next in the scaling framework.

Private Capital

If you’re not independently wealthy and only use your own money to fund deals expect that to impact your growth. Using other people’s money by partnering through private money loans, syndication or by pooling funds together for deals that make sense is a game changer. I really enjoy working with investors, understanding their goals, and structuring investments that make sense for us to pursue. Leveraging others' money rather than solely relying on just my own funds continues to help me create win wins for my investors and myself to go further faster.

Hard Money Loans

Hard money is quick financing needed for purchases or renovations. Hard money is expensive and not something I recommend beginners take due to the risk. Risk is mitigated by experience. I used this to BRRRR 3 properties in the same year. Since then, I've put far more focus on using private money. I've seen hard money used most frequently in BRRRRs. Its short-term financing at high interest rates is typically used to add value and force appreciation into a deal with the goal of increasing property value fast and getting into lower interest rate long term debt quickly.

Creative Finance

With rates rising, creative finance has become even more prolific. Creative financing includes the host of strategies beyond traditional mortgages. People will tell you that you can do these with no money out of pocket. For me, I’ve always needed some money to get the deal done, however it has been less money than in traditional mortgage cases. This is just an introduction so in the interest of limiting the scope, two concepts I recommend exploring further if you feel this route is right for you. Seller finance. The seller provides direct financing by carrying a mortgage note on the property. This allows investors to purchase with little (Some will say, no money down). Terms are negotiated with the seller. The second is Subject-To Mortgages where a buyer takes over the existing mortgage already on a property when purchasing it instead of getting new financing.

That wraps up the introduction on the core 4 acquisition strategies. Next is operational activity.

Lengthen the Time Horizon

Take a 3–5-year outlook on likely cash flow. The properties I bought years ago perform better now than they did in year 1 or 2. Don’t have overly optimistic projections for year one and understand that appreciation and rents are likely to increase overtime. The delta you get between fixed rate debt and raising rents has helped my portfolio become even more profitable.

Increasing Delta

Be aggressive in your savings for downpayments by living frugally, minimizing expenses, and plowing all rental profits back into savings for the next property purchase. Most entrepreneurs start their business bootstrapped. Increasing my income and reducing my expenses for 2 years’ time proved to be a massive catalyst for growth as I had cash on hand to deploy into more projects.

Improve Operations

Standardize your processes for tasks like screening tenants, executing leases, collecting payments as you scale. Systematization is key. Automate repetitive management processes to reduce overall management time. This frees up more of your time to focus on focusing on one of the core 4 strategies I discussed above, acquiring new properties vs property management. Hire property managers to handle routine day-to-day operations like maintenance requests, tenant issues etc. Leverage out tasks to others.

Liquidity events

Most investors focus on ROI, worth consideration but even more so is ROE, return on equity. If you already have equity built up in some properties, consider recapitalizing them to free it up and go back to work for you. It can be a great way to find more cash to invest. How I frame that is that the cash is trapped. It must be freed. Refinance or do cash-out refinances on existing properties after meeting seasoning requirements to pull cash out. Then use this pulled out equity as downpayments on additional properties.

Curious to hear what strategies you have used to scale or what you plan to use so I can update my mental model. 

With Discipline,

Josh

Throughout history, the metrics that define success have evolved to reflect the values and priorities of each era. The human experience parallels this trajectory as it plays out on a smaller scale throughout our lifespan.

The Past

Going back to the early days of formalized education, our report cards were the preeminent measuring stick used to determine our success. Beginning in childhood, our grades in school subjects represented how well we were learning, as well as our work ethic and natural abilities. Academic performance was the yardstick that determined the quality and variety of opportunities down the road. Report cards serve as a measure of demand for what colleges would accept us.

Good grades, high demand.

Poor school performance often puts the concept of securing a stable, respectable career in the balance. Our report cards drove our self-worth and shaped how others perceived our potential. In the past and early in one’s life, academic focus was and is the preeminent metric of success.

The Present

In society today and as one grows throughout life, although academic achievement still matters, the main benchmark for success is financial prosperity. Our net worth and credit score are seen as reflections of our work ethic and ability. In the current state of humanity, many define success predominantly by entrepreneurship, property ownership, business profitability, and the ability to accumulate wealth. These metrics become part of your financial statement and communicate our status in society. Books like Rich Dad Poor Dad have emphasized the fact that bankers don’t ask for your grades, they want to see your financial statement, your financial report card. Your PFS, Personal Financial Statement, becomes the new most important scorecard and is the driving force behind social mobility and stability.

The Future

Looking forward, as new generations focus more on social media and cultivating an influential personal brand, our online presence and cultural sway will eclipse the PFS as the indicator of success. Rather than tangible wealth, our following, likes, and subscribers will signal our societal value, power and influence. Media platforms like YouTube and Instagram will probably become even more dominant, and the size and engagement of our digital audience may soon be the most coveted marker of achievement. The financial statement will become secondary to the digital scorecard. Those who can build a brand with reach and impact will be considered the influencers and thought leaders of the future.

Ultimately, It's About Generating Demand

It seems to me that over time, the main metric of success has evolved to represent whatever asset creates demand for our skills or products in that era. In the past, good grades showcased our academic abilities, which generated demand for our talents in the job market. Today, our financial statement displays our business acumen and earns us opportunities. In the future, a strong media influence will display our reputation and allow us to promote our work. As times change, the markers of achievement change, but they consistently revolve around communicating cultural value in order to drive demand.

The past belonged to academics.

The present belongs to the financially savvy.

The future belongs to the communicators.

With Discipline,

Josh

People are the most valuable currency. Through my experiments I've learned a thing or two about constructing a winning team. After years of trial and error, I've identified the key traits that separate the weak from the elite, the A players from the rest of the pack. This information can be used to help you assemble a crew of contractors who operate with integrity and precision while keeping costs inline. Finding loyal forces who align with your vision isn’t easy. This is what I look for.

Focus on Solutions, Not Problems

Some contractors have a problem for every solution, while others provide solutions to every problem.

The best contractors I’ve encountered always focus on solutions rather than problems. When issues inevitably arise during a flip, they don’t tell you why you can’t do things, how expensive things will be and what other contractors messed up in the process. Instead, they analyze how to fix it and prevent it in the future. I buy deals that have problems and fix those problems. Pointing out the obvious is not a value add. Working with solution-oriented contractors who approach setbacks with an open mind helps the project move along as well as my mental peace tremendously. My favorite contractors view us as partners working toward shared goals. They see the relationship as a long-term mutual benefit, and they look out for my best interests knowing that once we come to an agreement of fair exchange it’s a win for both of us. When I win, they win. We together win.

Offer Creative Solutions

Innovative contractors provide creative ideas to solve problems and enhance projects. When I explain what I want to achieve, they brainstorm outside the box yet practical solutions that can be done on time and on budget. I've been amazed at the suggestions contractors have provided me. There are many solutions that I would never have thought of alone. We were doing this huge project and found a bad beam in the ceiling. It rotted, causing it to break through the drywall. 3 contractors told me they would have to cut out all the drywall, take it out and replace the entire beam. This could be done on time but not on budget. After having another contractor inspect it, he said it was just the end of the beam that sustained some water damage. He offered a solution to just brace this beam with some newer smaller sections against the existing against framing, which was in good condition to ensure it was safe. This saved us on materials, labor, and time. Finding ethical creative solutions allows me to continue to learn more and renovate properties in new and exciting ways.

Stay Calm Under Pressure

Renovation projects often involve unexpected issues and demanding timelines. Levelheaded contractors who perform under pressure can take the pressure off you when renovating. A-players handle stressful situations and focus on the work that needs done. This rational approach gives me confidence that we will overcome the inevitable obstacles.

Honest and Transparent

I need honesty and transparency at all times from my people. Trust is critical. Ethical contractors provide realistic time and budget estimates, report issues immediately, and charge fair prices. If something seems off, I question it. Good contractors don't hide problems or overpromise to win a job. Open communication allows us to make informed decisions and prevent misunderstandings. Over time this builds trust.

Take Accountability

In business, mistakes happen. Accountability is paramount. In my company we say “Mistakes are accepted as long as they are owned”. The contractors I work with repeatedly take accountability for their work. If mistakes happen, they own up to it rather than make excuses or pass blame. When I was a boy, my father told me, “If a job is worth doing, its worth doing right”. Many people who value their reputations feel the same. If you can stand behind your workmanship and make things right if something is unsatisfactory it builds trust and goodwill. I appreciate people who hold themselves to high standards, who don’t blame or complain and don't cut corners. Mistakes are accepted as long as they are owned.

Offer Reliable Communication

Professionals don’t hesitate to pick up the phone when moneys on the line, communication is one of the fastest ways to identify whos about it and whos not. I want contractors who respond promptly to calls, emails, and texts. They keep me updated on progress and quickly notify me of any changes. Reliable communication enables us to coordinate and handle problems before they spiral. A tip on this, if someone contacts you and you’re unable to respond, message them back with an eta of when they can expect a call back.

Bring Positive Energy

Flipping houses is a lot of work and at its nature has problems. That’s why we as flippers buy these projects, to capitalize on the margin between the present condition and future condition. I love contractors who brighten the job site with positive energy. Enthusiasm is contagious and uplifts everyone it touches. Positivity also translates into greater creativity, productivity, and fulfillment. Doing work we are proud of. I find that surrounding myself with optimistic people makes work more enjoyable.

As a real estate entrepreneur, carefully choose your team - they determine what you can accomplish because this game is not one I recommend playing alone. I prioritize contractors who embody the mindsets and traits above. Calling more contractors, asking for more referrals, going to more local events and networking with other investors who have these contacts has proved its worth to me to find the professionals that align with what I value. People are the most valuable currency to me and I’ve found it worthwhile to put the effort in to find long term people I can play long term games with.

Hey @Bob Stevens

In Cleveland, excluding active projects, 6 pure flips. Including BRRRRs more than doubles that number which follow nearly, if not an identical process for the renovation piece in my experience. Congratulations on your +$50 Million in successful transactions in the past 11 years!

As of now all my projects are on the east side and Slavic Village. How about you? 

 @Yuval Chetrit

It varies by municipality, for your specific project I recommend checking out the building department website of where you are located. Here is the list for Cleveland where the majority of my business takes place: 

https://www.clevelandohio.gov/city-hall/departments/building...

Motivation is a tricky subject. One moment it ignites a fire within us, filling us with enthusiasm and drive to accomplish our most ambitious goals. The next moment it vanishes without a trace, leaving us uninspired lethargic, wondering whatever happened to the temporary jolt we experienced in the past.

Meanwhile, discipline stands as the bedrock foundation we can always rely on to do the work, regardless of how inspired or excited we feel. Discipline keeps us moving forward with quiet determination day after day while motivation and its inspiration is powerful, yet fleeting like the strike of lightning.

So why do we cling to the thrilling but unreliable highs of motivation while procrastinating the unglamorous yet steady practice of discipline?

Motivations Magnetism 

Motivation is sexy. It provides a welcome rush of feel-good neurochemicals like dopamine that makes us feel alive, stoked, and eager for change. Everything feels lighter when we are in an inspired state. When we're motivated, the work that needs doing somehow feels effortless. That workout we’ve been putting off feels easier, and we want to do more. That project we are working on gets off to a great start and words flow easily from our keyboard.

I am pro-motivation. Motivation is the first push. Motivation helps catapult us into action and movement. It gets our momentum going. Motivation also has a contagious quality. We catch it from others. Just listening to a motivational speech or interview can get our energy levels up. Watching videos of people accomplishing great feats ignites the fire within us and make us want to do the same. I still do this some days before I train. If you know me you know I’m a practitioner of calisthenics. Watching calisthenics athletes pull off incredible bodyweight feats to some hype up music makes me visualize what is possible and what perfect form looks like. Its a paragon of what I'm working to achieve in my own life. It motivates me to train to attain the same. Even fictional movies depicting underdogs rising to triumph have a way of sparking motivation's fire within us. 

The problem is, motivation's magic is temporary. It comes and goes. One day we feel like we could climb Mt. Everest, the next day making the bed feels like too much. Going all in on motivation often leads to disappointment, frustration and unfinished endeavors. Motivation promises the world but doesn't deliver the goods for the long term. There will come a time where the hourglass of motivation runs out, what can you rely on then?

Tapping into the Power of Discipline

Where motivation provides short-lived surges, discipline offers steady, lasting drive. Discipline means doing the work, day in and day out, whether we feel a rush of inspiration or not. It's about creating habits and systems that form the structure we can rely on to make progress.

Discipline arises from self-awareness, commitment to our values, and the for me the strongest factor is the supply of determination to achieve our priorities. It comes down to what you define as truly important to and designing your days accordingly, this builds the foundation of discipline. Small, incremental steps practiced consistently take us much further than occasional bolts of motivation.

While motivation gets us revved up, discipline provides the staying power. When we hit obstacles, the disciplined don't bail or burn out but dig deeper. Self-control and grit that disciplined people have drive them to find solutions rather than crumbling.

Why We Resist Discipline

If discipline is so effective for achieving goals, why do so many of us avoid it or give up on it? A few key reasons:

Discomfort. Discipline means breaking old habits and denying ourselves short-term pleasures for the sake of longer-term fulfillment. It requires exertion and investment that is tough and feels heavy in the moment. Motivation seduces us with the false promise of easy, feeling good and making a transformation requiring minimal effort.

Delayed rewards. Motivation is instantly gratifying: energy, inspiration, excitement right now. Discipline's benefits are delayed. It takes time and effort to see the payoff. Our brains are wired to prefer immediate rewards over distant ones.

Lack of urgency. Motivation kicks our survival instinct into gear, making us feel like we must act immediately to capitalize on this surge of energy. Discipline asks us to chip away consistently over time, even when each small act doesn't feel like its really moving the ball forward much. If I only miss one workout, I’ll get back to this person Monday, etc… this is a dangerous slope. Don’t break the promises you make to yourself. I've found this to be especially true when I lack clarity. For the sailor without a clear destination no wind is favorable.  

Bad associations. For those who had strict parents, domineering bosses or harsh teachers, discipline evokes those memories of restriction and control rather than enablement. This is a tough mental frame to  break for some. I personally see discipline as more the conduit to freedom rather than the prison of control. In other words the relationship with discipline is equated to the padlock instead of the key.

Cultivating Lasting Discipline

The good news is discipline can be cultivated. By implementing a few key practices, we can nurture our capacity for it:

Start small. Vague goals set us up for failure. Instead, set one specific, modest daily discipline - 10 minutes of meditation, 30 minutes of writing, talking to one agent per week, going to one live real estate event in my area this month, joining one networking group whatever it is. Take the first step, it matters.

Make a public commitment. Share your discipline with someone supportive to up the accountability. I got this crazy idea to run a half marathon. I was a lifter at the time and hadn’t done any cardio in months. It didn’t get real for me until I told all my friends and family that I was going to do a half marathon which was in 3 months. This commitment I made was now out in the universe. This held me accountable to myself and to others. The same thing happened when I told everyone in March of 2020 that I was going to buy my first rental property by the end of the year. 7 months later I got it done, just in time to share the experience with my family at Thanksgiving. 

Focus on process, not product. Judge your discipline based on whether you practiced it, not on immediate results. Outcomes require patience. This relates to my today will be a win when framework which I wrote about here:

https://www.biggerpockets.com/forums/48/topics/1145014-today...

Replace motivation with meaning. Connect your disciplined acts with your core values and a vision of your best self. Purpose fuels consistency. I look at my life as the CEO of the Josh Hauman life corporation. Stock ticker ME. As the single largest shareholder of this stock I ask myself, is this what's best for the Josh Hauman life stock? If it doesn't drive future value for shareholders I avoid it.  

Celebrate wins. Reward yourself after milestones are reached through discipline. I love dark chocolate. When I was building the discipline of writing I would keep a bar of dark chocolate on my counter. Every 40 minutes or so I would take a break and enjoy a snack. Satisfaction inspires you to continue. Its less frequent but I still eat dark chocolate when I write to this day. 

We may love the intensity and rush of motivation, but for lasting change, discipline rules. Self-control, self-mastery is a long road. It’s also the only road that we can take to achieve our most audacious goals. Sure, motivation lights a temporary fire, but real progress often requires doing what's difficult - and that's when the steady deposits of discipline pay off.

With Discipline,

Josh

Today will be a win when

Today will be a win when is a framework I use often but mostly when I’m feeling less than 100%. I hope to share the same with you so that you may find some value in this as I have.

Its pretty simple. It works like this:

Take out a sheet of notebook paper or notes your phone, write:

Today will be a win when

- (Insert task that if you accomplish it would make you consider the day a win)

- (Insert task that if you accomplish it would make you consider the day a win)

etc..

This can be used for as many items as you like. Although it can be used as a task list but I prefer to use it as a source of motivation. A way of stacking wins. I find often when I complete the first task it gives me power, drive and energy to keep the momentum going.

As the captain of your life you create the conditions that will advance your position amidst even the most catastrophic storm.

This framework is magic because victory is clearly defined, executing on this you can’t have a losing day. You also can’t have a ZERO day. Even on my worst days when I take my morning to write this down I find the perceived effort to persevere through said desired accomplishment to be far reduced. Removing the unknown and giving myself an anchor point of what to focus on has helped me move faster towards getting what I want out of life.

Zero Days

Any of the software developers out there likely know this concept as it explains how hackers attack a vulnerability in a system. The term Zero Days comes from the fact that the system vulnerability has just recently been discovered and therefore the developer has “zero days” to address it before hackers begin to attack the system.

I apply this concept to my life and business everyday using the “Today will be a win when” framework. The system is my life, my goals, my business and the hackers are my competitors.

The concept of a zero day in this context is that with every challenge, every setback, every crisis, every time there is a vulnerability in the system, there is a dip in performance, the system goes offline as the architect of the system attempts to resolve the weakness. You are the architect of your system. Others will attempt to breach your system and it is your paramount responsibility to ensure that security is up to code, you have a plan to overcome vulnerabilities and bugs get fixed on time. Do not let your system go offline. No Zero Days.

Right the Ship

Those that have a focused plan to right the ship will continue to perform better and reach their destination quicker. Those that stay on course when the waters are tranquil and the winds are at their backs are able to compete with at the top. How do they respond when a storm rolls in?

Why this is so powerful is not only due to the momentum you’re able to generate which will keep you in forward motion but also because with no zero days you get a lot more done by making some kind of progress each day. Daily deposits in the piggy bank rather than lump sums so to speak. Extrapolate this over a long enough time horizon and the compound interest of your labors will be the difference maker that separates you from the rest.

Anybody can train when they feel good, are well rested, and feel motivated.

Any business can thrive when the conditions are favorable.

The difference is made up in times of struggle not when all is well and good.

Using the Today will be a win when framework has helped me perform at a higher level even on the days/weeks/months where the conditions are undesirable.