**Transcripts are auto-generated.

Erwin  

Greetings everyone, to another episode of Real Estate Investing show. This episode is brought to you by charity nice wealth hacker conference on November 12 of this year 2022 After the success of our first conference in November 2019 and several postponements yet, many postponements, who knows why we’re finally back to 10x. For the conference of the year for investors and entrepreneurs alike, we have extra speakers on business building real estate stocks, cryptocurrency and they will all be sharing their secrets to building wealth in the most efficient manner, building wealth efficient manner. To me that’s what a wealth hacker is all this during a one day all day live and in person event, there will be an online option just good old fashioned networking, live and in person. And for many of you this will be a homecoming to see all your friends from all the other real estate organisations like green tea spire Rockstar legacy slash Rich Dad, I went stock hacker we’re all cool people and we’re inclusive like that. Don’t miss out as it’s pretty safe to assume that all your friends will be going as over 1500 like minded individuals attended last time get your tickets today at wealth hacker.ca Even better if you’re on my emails to be informed of all the promotions that are going on. If you don’t know where that where to find that I don’t know help you simply go to the website for this podcast is about real estate investing.ca Just about real estate real estate investing.ca is putting your name and email and you’ll be on our email list to be informed when new episodes come out. Any sort of promotions we have going on completed about hacker conference onto the show summer session we’re having that we’re definitely in a recession. Don’t get me wrong. It’s a real one too. Since we avoided the long run when the pandemic hit banks all the government stimulus money and rock bottom interest rates, it didn’t last very long. Unfortunately, the governments around the world including our own have overshot SPENDING PART and stimulus part hence we find ourselves where we are today. Stocks crypto real estate all are down after getting going way too high in 2021. How low we go is anyone’s guess. And how sooner how much appetite do our governments have for job losses the bad economy until they reverse again, and cut rates is anyone’s guess a lot of people I’m reading are predicting later this year, as in like fall with a fall December maybe even early next year. So to me it’s not if it’s about when CMHC just came out with a study that Ontario needs to double its most ambitious goals for creating supply to achieve affordability. Good luck with that, with all the government red tape, no taxpayer in our pocket to add to that add to that the lack of construction labour building all that not possible Volcana just immigration record for the last quarter. So we have more people coming and not enough supply coming.

 

Erwin  

That’s a formula for Guess what? Yeah, and of course, you know, go ahead and blame the investors. But rents for single family homes have now gone up over $3,000 per month on the single family homes in the areas that we invest so the Greater Toronto Area. That’s right, rents are at historic highs since buyers are delaying buying due to rising interest rates are not buying at all. And that’s kind of the thing my I’ve invested for my kids. I always worry about one of the generations in our family line that will never be able to afford a home. Hence we’re building wealth now. getting prepared for that so that we don’t have future generations of tenants only renting anyway. But personally, I always thought of renting as making the landlord rich rather than paying oneself units market dependent To each their own. I’ve advised family to rent before as they live in a less desirable neighbourhood downtown and in a building less desirable neighbourhood and building instead to invest for a property that actually cash flowed outside Toronto. Luckily, I was right condo prices went down during the pandemic. And due to the mass exodus from urban condos, and prices for suburban houses Rose 30 to 50% of the pandemic. So luckily, this family member took my advice. Back in February each week, we couldn’t believe what any property was selling for everything was selling for crazy prices. We’d be lucky if there’s only four offers. We wouldn’t be surprised if there was over 10 offers for pretty much everything we’re looking at. But now the pendulum swung the other way. We can’t believe what discounts our investor clients are getting. Plus home inspection and financing conditions. It’s totally crazy times we just had a client buy a huge house by our standards. I know for many of you that chose this but for Verona or buying property investment property especially single family homes 1900 square feet is huge. This property was one and a half stories and welland Ontario and we got it we picked it up for for probably around $150,000 off the price. You paid for it and below five hundreds, right? So we paid a little 500 Is this house probably would have gone for over seven and much earlier this year. So when you include the basement so 1990 square feet doesn’t include the basement but once we include the basement, there is sufficient space to convert the single family home into a triplex so three units, three apartments. It will all be done with permits and whatnot. And that’ll be all done within the existing structure. So the plan is to triple the housing supply one property without a cent of public money, all in our clients looking at spin around video hundreds to have friends over $5,000 per month when done. I’m calling that a winning buy and hold investment, cash flowing property with opportunity to refinance, take much equity out, coach, Chris will be Captain Hook. And I will detail this deal on a future YouTube episode. So we can go through the deal in a bit more detail. For example, I’m a real estate geek. So the fact that having data points like for example, this property, the sellers accepted our first offer. So it was a bit of a shocker. Yes, a bit of a shocker. I’ll be blogging more about the subject of real estate investing, and including all the drivers for the decision to invest in real estate. I enjoy researching, I enjoy writing, I enjoy sharing. And I have to do a lot of research as well, because my wife and I, we decided to build an eight figure real estate portfolio. And that’s only very nice money. We are the only investors, we have only one property that’s joint venture, student rental, one student rental out of our portfolio, it’s worth, it’s in the figures, the rest of our investment risk reward is all ours. It’s just our choice not judging anyone else’s choices. It’s just we have the capacity to do so without having to take on outside investment. And, you know, we have enough going on in our lives. We don’t want we don’t need partners in our real estate, besides the bank. So yeah, that’s probably work. I’m always reading up on the news, usually from paid sources to avoid fake in mainstream media because I don’t want people making money off telling me what I want to hear. I’m a truth seeker. I don’t care if the truth upsets me, I still want to know the truth. And often paying for information is the most efficient path to finding quality content as we show we have business coach Marianne Gillespie, who I been working with since around 2014 back when there was no zoom, and manage that because Maryanne or coach MMG mag, as she’s known, we did coaching over the phone, and she lives in Ottawa, so I never really got to see her to see her face. But as for as long as I know her, she’s been running long distance and high energy. And ever since meeting Marianne, she’s beaten cancer. Again, I couldn’t I wouldn’t have known that she was dealing with cancer because it was all over the phone. Because she didn’t tell me she had cancer nor she’s dealing with it. And she lost 150 pounds. Again, I didn’t know her over the phone.

 

Erwin  

She never complain never whine never told me about it. The focus is on me and my business growth for the first time publicly on the show. But two three years ago, Marian shared with me and our audience. 17 listeners are her parents died when she was 16 years old, and was homeless for some time in Ottawa, so not the friendliest of climates. On our last episode, about a year ago, Marian shared how she completed her first Ironman Triathlon in Tulsa. I don’t know what state is obviously in America, it was done during the lockdown and pandemic. Remember, she has cancer, she had cancer, so she’s immunocompromised, and only based on the timing, she only had one shot of the vaccine, but she still travelled to Tulsa and finished an Ironman Triathlon, which takes the requirement is to complete it within seven to 1718 hours. Fashion that 17 to 18 hours of biking, running and swimming. Again, that was over a year ago. And then this past weekend, very and not only completed, competed, completed, competed in the multiple law, Ironman, but she won first place. I don’t know how she does it. She’s an iron woman. She’s an amazing human being. She’s also a successful realtor, such as some real estate spin to this show. She’s also a pretty good accomplished real estate investor. So obviously an entrepreneur, he’s a member of several of the most exclusive mastermind groups in the world, therefore has a lot insights into the market economy. And she gives her updates as well on the economy. Real estate markets if you’re not inspired by the show, I don’t know what will please enjoy the show. Marianne let’s keep you busy these days.

 

Mary-Anne  

What’s keeping you busy? Everything work triathlons, Ironman, volunteering, you name it and discovering the world endless possibilities

 

Erwin  

and you find time for all this

 

Mary-Anne  

you know I I’m really good at time management. I guess I treat time like a currency. That’s all I treat it like a currency. I’m like it’s it’s a it’s a currency to me. So it’s like time given time spent that’s how I look at it.

 

Erwin  

What aren’t you willing to spend this currency on?

 

Mary-Anne  

Um, you know, the older I hate saying that but the older I get, the more I don’t want to spend it on small insignificant, you know, irrelevant conversations like it’s weird. Yeah, it’s just weird. It’s like small talk like going to an event and you know, having just a lot of small talk and not really learning much to elevate or grow myself like you get you get really picky about what you’re getting back for the time that you spend. So that’s that’s really what I want spend my time on is anything that’s not growing me at this point. Cool. Yeah. Trouble. Yeah, like I mean, you know, I was just saying that, you know, went to a mastermind and it was just as when you’re the smartest person in the room of a mastermind, you know, is that really the best use of my time in as a business coach myself, I’m like, that’s not the best use of my time. I didn’t really get much back from it. So that type of currency just yeah, that doesn’t happen anymore.

 

Erwin  

And there’s masterminds everywhere. So can you give some background or context on the masterminds that you belong to?

 

Mary-Anne  

Yeah, I belong to about five or six really great masterminds in the different, you know, one of my favourites, obviously, I love Dan Sullivan. He’s a strategic coach. And he has done a great job, you know, with what some of my favourite masterminds, because it’s exposed me to as I was just saying brilliant minds, like Peter Mantis, and other people who are really, like massive thinkers. And sometimes you can like walk around and think I’m like a really big thinker. And then you sit in a mastermind, and you’re like, oh, boy, I’m like, the smallest thinker of this group. And you know, that to me, charges me up. So those are the type of masterminds I’m part of, and some of them are big. And then I’m part of a smaller mastermind, where there’s 10, business owners, and we look at each other’s businesses, and we evaluate them. And we really help each other move forward and support each other. And some masterminds that I’m part of are just simply supportive. You know, sometimes, as CEOs, the best masterminds are the ones where you have and I think you mentioned this earlier, where you have, you know, similar problems and challenges, and maybe you just don’t have the outlet even to discuss them. And you know, and it’s hard, like, Who do you go to, you don’t want to go to your spouse, you don’t want to go to your friends, because they might understand, and you definitely don’t want to go your clients. But you might have that point where you’re like, Look, I’m just having like, a really hard time retaining staff or something like that, or I’m having, you know, I’m having one of those months where, you know, I feel like everything is just crap and not going right, like, who do you talk to about those things, it’s sometimes it’s not always great to be in growth, growth, growth, growth, mastermind, sometimes the masterminds you want to be part of are the ones that are just gonna be like, I just need to like vent that there are months where I just want to throw in the towel. And you know, and that’s okay to have that vulnerability and those masterminds have become something that I really value is the masterminds where we’re, we’re not complaining, we’re just a little bit more vulnerable with each other.

 

Erwin  

Right. And that’s not easy to come by in like, casual masterminds usually has been blocked commitment training, and this is my own experience.

 

Mary-Anne  

Yeah, you can’t, you can’t like the more casual they are, the harder it becomes to get that trust and bond and drop all those barriers and drop the egos and drop the you know, on this I’m not gonna it’s like you just be raw and be real. So it does take a while to build that trust foundation.

 

Erwin  

It was cool. Once you have that trust in the these I feel a lot people drop the ego. And then it seems like everyone’s humble. Yeah.

 

Mary-Anne  

Well, we’re just a little like, we’re all hustlers. You know what I mean? Like, we’re all hustling, we’re trying to get to where we need to get to and it’s like, you know, there’s no point. I mean, there’s no point in having an ego deep down inside, we’re just all exactly the same journeys a little different.

 

Erwin  

And I’ll readily admit things when I didn’t when I what things I’ve done for ego. I’ll even say to my mastermind. This makes my ego happy.

 

Mary-Anne  

Absolutely. Absolutely. I’m with you on that one to self awareness is a big deal. Self awareness is a huge deal, or at least I think it is. So yeah, I like it. So that’s my favourite thing about masterminds. And it does take a lot of, you know, you have to be prepared to be like, Hey, I don’t like this mass, right. I’m out. You know, exit easy exit fast. If you don’t like it. You’ll know, first mastermind session.

 

Erwin  

Are there any entry level masterminds you’d recommend folks look into? Yeah, like,

 

Mary-Anne  

I mean, I guess if somebody’s looking, okay, I again, I really liked Dan Sullivan. Because, you know, I do like that you can his packages, like you can bop in anywhere. Like I don’t fly to Chicago and do it. I can do England, I can do anything. I think like with Dan, he has entry level. So he you know, when I first started dabbling into more professional masterminds, that’s where I went, right? So you and I were just talking about EO but you know, a strategic coach, it’s just it’s a nice entry level mastermind that gives you a lot of opportunity to elevate it and go to a whole different level. So, you know, when I started there first I started at the very basic and I was like, let me just see, you know, test the water. Let’s see if I like this. And you know, I did, obviously I did. So

 

Erwin  

yeah, so we came to Ottawa just to do this podcast with you. And I was just thinking, as you mentioned that you had mentioned how Strategic Coach, you can fly in Chicago. In England, there’s no options here for High Level Mastermind.

 

Mary-Anne  

Well, you know, you can try it like I think if you look we were talking about this is that, you know, Ottawa can sometimes be vanilla, you know, you’ve got different flavours of ice cream, Ottawa would be what I would refer to as a vanilla ice cream city. It’s not to me, I don’t find it’s the best place for mastermind. I find that it’s it’s very high population of government workers in the city because obviously we’re kind of like Washington, right? So we have a huge amount of government, huge amount of city like so, you know, just the amount of actual business owners that are, you know, that would be appealing is I think far significantly less here. So a lot of us do go elsewhere, and it’s just I haven’t had much luck. finding great masterminds in

 

Erwin  

Ottawa. Right? It’s one of the benefits of me living the GTA is that you know, AEO is, I think six, seven times the size of the Ottawa chapter. Yep. So we don’t have to go far for some pretty good people.

 

Mary-Anne  

Yeah, you don’t have to go far. It’s like, there’s always a toss, though. Like, you know, you have Ottawa, which is beautiful. I mean, it’s a gorgeous. Yeah, it’s like beauty. Like, I mean, you know, it’s a struggle in this nice building, man, like, you go up to like, a, like, within 15 minutes, you know, I could leave my house for 15 minutes, I can be up in Gatineau riding a bike swimming in the lakes, like I’m there all the time. So it’s like you have this massive playground. If you love the outdoors, if I go to the GTA, I would lose all that. So it’s like we’re you know, so that’s the battle that I was gonna hop on an aeroplane. 45 minutes later, you’re in the GTA. So it’s kind of like that’s what I like about it. I don’t mind it so much. I wish there was something a little bit more localised, that, you know, some of the big business owners would pull together and start doing some great creative masterminds. Maybe it’s something to eat, I don’t have the time to organise that stuff. So I’m like, and it’s not my jam. But I like to participate in them. I don’t like to organise them. So I don’t mind hopping on an aeroplane going 45 minutes and travelling somewhere or going to Chicago, it’s an hour and a half flight. And it’s totally my favourite city. Like, I love Chicago. Sound like, I don’t like doing that. So to me, it’s a little bit of fun to do it. And it’s Ottawa like, you know, as little as it is, is freaking gorgeous. So

 

Erwin  

we look in strategic coach, and that was one of the barriers for us was that there wasn’t much of a presence in Toronto.

 

Mary-Anne  

No, I mean, it’s, it’s not a bad that I mean, that’s where Dan lives. So I mean, it’s not bad. It’s just you know, what, they cater to a very niche group, very niche group. And what

 

Erwin  

you said like, the more serious the mastermind, the better attendees were the stronger attendees, people with larger businesses will be in Chicago, for example. They won’t they won’t be meeting up in Toronto

 

Mary-Anne  

now. And then if you go to England, you have this whole different exposure businesses, and you have like, so, like, it’s amazing to do the stuff that they do there. It’s absolutely fantastic. So but there are like, you know, there’s pocket and masterminds. The, the hardest thing is about a mastermind is is like the I guess the easiest thing maybe is is that are you measuring, are you given the tools to take your business to the next level, that to me is like I can sit down to have jams or talk with any CEOs and business owners, we have some really genius ones in our city. So I mean, they’re pretty lenient with giving their time out. So there’s amazing talent everywhere. But I you know, the difference between a great mastermind, and in a Business Mastermind, they’re different, you can have a great mastermind, where somebody hosted talks and syncs up the whole group and like your brain story. But then if you don’t have any accountability, you don’t have any structure in place to take your business to the next level by the next time your groups meeting. That’s where the accountability comes in. So I’ve been part of both and I love those masterminds, where it’s like, you’re given tools to say, next time we meet, you know, and that’s kind of how we do it at strategic it’s like, once a quarter like you got to bring your you got to bring your game like you cannot, you will be odd if you’re sitting in a room in a small group, and you have not done anything in the quarter. So there is an immense amount of pressure to to bring your business next level each quarter. And that’s, that’s a great mastermind, in my opinion. Cool. Yeah.

 

Erwin  

If you wanna talk more on the business stuff after we’re done recording you’re doing so this is real estate shows with ultimate real estate. Oh, yay. I love it. What can you tell us about the real estate market? So today’s June 8, just to give some context? Well,

 

Mary-Anne  

I’m only kidding. I was only a few months ago. I told everybody I weren’t actually I don’t know how like, it’s just it’s not hard to predict what’s happening. Like if you really study some of the key focal points, but I was laughing the other day, I said, the two words that I’ve been dreading to hear again, in real estate, and I just started hearing them in the last week or two is the word lowball. And I’m, like, Dad, it’s back. All the it’s like I was saying, it’s like the Wizard of Oz. And you have like the Munchkins coming in, and they’re like, We represent the lowball kids. And they’re just like, marched into the front line. They’re like, here’s our chance, guys. And they’re like, let’s lowball. And I’m like, so for me, I’m like, oh, man, Are we seriously gonna start lowball you again? So, you know, opportunities. I’m very optimistic. I think that there’s an opportunity in every market.

 

Erwin  

Do you think, though you are a realist, I am a very realist. You’re not You’re not just like, oh, sunshine, rainbows everywhere? No, no, I’m like,

 

Mary-Anne  

like, if you think he’s gonna go up again, you’re crazy. But I also was like, I don’t understand why people rush it. Like, it was crazy when you watch what happened, because my background is also like, I’m fascinated by neuroscience. And so, you know, I study what happens with the brain. And what happens like what happens? Like it was crazy, watching from the like, watching people’s brains go the FOMO the fear of missing out for two years, and it’s like, if you watch what they did, it was a colossal mistake, colossal mistake. We were guinea pigs in this terrible experiment where they decreased the rates three times in March 2020. Like Have you watched it was like kaboom, kaboom, kaboom. It was like a week and a half between three rate changes, and the rates were already pretty spectacular. So we were already trending into a seller’s market. And it was like, I don’t know why they did that. I have no idea why they did that. I know that the GDP and you know, our housing industry, we are the number one country for, like for our housing industry

 

Erwin  

as a percentage of GDP.

 

Mary-Anne  

It’s huge. It’s terrible. Yeah, it’s

 

Erwin  

really a sign of a good healthy economy.

 

Mary-Anne  

So I get it that we had to keep our hosting industry going, but it wasn’t going anywhere. Like, why did they do it? Like, I’m like, Why did you panic every week and a half.

 

Erwin  

So it was like, That stimulus housing market did not need that much. They

 

Mary-Anne  

didn’t need that much stimulus. And they didn’t need to keep it for two years. Like it was totally irresponsible. What they did, they could have stopped it. After six months, they could have adjusted it. And they just totally made this like situation where it was like FOMO fear of missing out everybody was like, oh, Ron, rates rates rate, and we were watching the prices go up 1020. And then all of a sudden, it was obvious, we called it in this Aimia. We said, Look, you’re gonna you know, December of 2021. I said it on a podcast, I said, we are going to have a big problem. I said, like we are shutting down in January, Christmas, everybody had their first Christmas after two years to spend with friends and family. So they buggered off. Nobody was interested in real estate. So there was a pent up newness, but then you shut us down completely in January of 2022. I mean, it was just a few months ago, like you know, so we were shut down, which stopped the real estate market, which caused a massive pent up problem. And what they should have done is they should have changed the rates at that point and said, Okay, we’re going to increase the rates so that when so there isn’t a big explosion when we come back. I mean, you can see it, I saw it. So then that’s where the rates went up 20% In a lot of cities in February, and it was crazy, because you had all this pent up issue. And then it bounced out starting in March the last 90 days. So we lost all the profit, or we didn’t lose anything really. It just bounced out the February. So you knew like you could see this stuff happening. So it was very, and I don’t think people are stupid for entering into the market, because the payments and the interest rates, you can run the numbers 100 times. But I think what they’ve done is they’ve caused a massive mess. And if you follow what they’re doing with the prime rates right now, and you go back to what they did in 17, and 18, it’s the same thing. They’re doing the exact same increments, they’re doing the exact same thing. And it worked back then. But the prices weren’t the same back then. So you have to kind of look at the balance with that. So realistically speaking, I don’t believe that they have a clue what they’re doing at this point. So I think that, you know, my next guess is is what are they going to do in July? So I believe that they’ll finish the year at 3.95. And I think that’s what so we’ll have another quarter of a point. The question really becomes, are they going to do it in July? Or are they going to wait till September? My guess is they’ll probably I think they’re going to wait till September. I think not every area across Canada is dropping as fast as they want it to some areas have had no drops in pricing. Some have had 3% Some as 6% Sometimes 16% Barrie Ontario has had massive I think over 20% Drop in pricing. So Hamilton Yeah. Hamilton as well. So article, so if you’re in Ottawa, yeah, we’re about 16%. So it’s like, you know, when you’re looking at that the adjustments that they wanted happened. So not everywhere, though. So you know, you’re looking at I think it’s Brampton hasn’t changed much or like, you know, yeah, certain areas have really not adjusted right now has certain areas. But I mean, certain certain areas haven’t. So it’s those areas that I wonder if they’re gonna say, Okay, we have to keep going. Personally speaking, I think we’re dealing with very uneducated people, I think handling where this is gonna go based on what they’ve done before. I think they’ll wait till September, and then they’ll do the quarter point in September. And we’ll finish here at 3.95. And we’ll move into a buyer’s market,

 

Erwin  

how long how long do you think for the bearish market?

 

Mary-Anne  

I would say two to three years, two to three years is a is what I’m guessing at this point. I can’t see us getting out of it. Because, you know, the inflation is here to stay. Like I mean, I not really sure what people think or there is gonna happen. I mean, when all of a sudden they’re gonna be like, Okay, we’re gonna reduce, like, they added a gas texture and all this, like, you know what I mean? Like, this is so crazy the stuff that they’ve added to to make inflation worse. And I think at this point, people are financially okay. Like, they’re, they’re going to slow down their spending, they’re going to travel less, they’re going to you know, do whatever, you know, they spent a lot of money in the last two years. And so I think it’s going to be here, the buyer’s market should be about two to three years.

 

Erwin  

Yeah, totally fun. What do you think it’s gonna be for realtors in

 

Mary-Anne  

what do you think it will do for realtors? Yeah,

 

Erwin  

you’re closer to it than I am like, how many realtors are do we gain a lot of realtors in last few years? Oh my gosh, no, we’re gonna lose something in this.

 

Mary-Anne  

I’m hoping we do.

 

Erwin  

Your businesses.

 

Mary-Anne  

We work with great realtors and we love them to death. But we’re seeing that okay, this is a skill driven market. So you have to remember is is that even pre COVID, what we had is, we were in a great market for about three to five years pre COVID. So we were on an upswing anyway. So it wasn’t tremendously difficult to be a real estate agent pre COVID, the few years before COVID. So if you’re looking at realtors have had their licence for about five to seven years, they’ve never experienced a skill driven market, a skill driven market is very challenging. It’s it’s frustrating, it’s exhausting, it’s consistently you have to work twice as hard in the skill driven market. So it’s basically you know, we’ve entered that. And so what we’re seeing in our company is tonnes of Realtors reaching out to us going, what am I doing? Like, I don’t know how to do this. I don’t know what to say. We had a team owner say that they had a realtor on their team for a year and a half that came to them the other day and said, Listen, I don’t know how to put conditions in an offer. Yeah. I like why, what is this? And I’m like, Oh my gosh, that’s they literally just wrote offers, they’re like, with no conditions are like, and I’m like, oh my god, this is crazy. So you know, you’re gonna see a skilled your market. And I think, I think a lot of it, yeah, it’s gonna be

 

Erwin  

a presentation in person before.

 

Mary-Anne  

They don’t even know how to write clauses. And I’m like, they don’t know how to navigate this. So they don’t know how to get clients, they don’t know how to, you know, if a seller, you know, they don’t know how to explain the market. I mean, you could ask like, Soul listing, they don’t know anything. And it’s like, so you’ve got this layers market, and they don’t get it. And so it’s like, and it’s moving so fast that it’s like so what you’re seeing is this, these brilliantly experienced skilled driven realtors who have sat back the last, let’s say, seven years or five years and said, okay, like, you know, like, they’ve watched this change in real estate come up the pipeline. And they’re like, man, these kids don’t don’t know how hard it is. Now, all of a sudden, they’re like, they’re up here. These skills are Realtors going, I know how to handle this. I have a client who has 188 closings happening right now. And they have 188 closings and their market dropped 20% and pricing, you tell me like what kind of skill you need to navigate through that you need a massive amount of skills to navigate through that a normal realtor would probably be like, if they had two closings that weren’t going to happen, they lose their mind. They’d be like, ah, you know, what do I do? So you have to be really, I think what we’re gonna see is a big drop in real estate agents, for sure. So you will see a bunch of them that were, you know, the part time, the part time ones are gonna go, this just isn’t worth it. Like it’s not worth it, they’re going to have to work with clients a lot longer. So you know, you’re going to work with buyers and sellers now, like one thing we’re seeing as well, is people coming to us going, Okay, I would put a listing on the market sell in five seconds. They don’t know how to price, or they’re like, What do I do if? How do I market a property for 60 days? They don’t know. They’re like, what do I do after a week? Right? After a week? They’re like, oh, like, what do I do? And I’m like, Well, you have to have a marketing strategy. Well, what’s that? So So you’re seeing this really big gap. And I’m not saying the gap will get bridge, it’s going to take a while and you’re going to see a lot of real estate agents who had a very lucrative past few years, they’re going to probably have our clients, I’m not going to brag, but I am going to say our clients like they’ve got us pushing them behind. So we’re navigating this, we knew this was coming, we prepared to November, we said June, July and August, we’re going to be slower, it’s gonna hit balance, and then we’re gonna move into likely a buyers market in the fall. And we said that since November, so they’ve all had a chance to prep for it. We work on the skills every week. But I think yeah, what we’re seeing is coming down the pipeline, a tonne of real estate agents reaching out to us just going help with skills, like what are we doing? How do we price houses? How do we market houses? What are we doing? And that’s good, because the consumer needs better representation. They need better representation. Yeah, so

 

Erwin  

I’ve heard I’ve heard lots of Realtors getting thrown under the bus for like, like the you’d like you mentioned, prices have dropped 20%. But you signed your contract in February, for an inflated price. And now all these people can’t get financing,

 

Mary-Anne  

they can’t get financing. And then they go to a real estate agent who’s making, let’s say, $20,000 commission on that deal. And they go, What do I do? And if the realtor doesn’t know, because they’ve never really navigated through something like this, then you’ve just realised that the person that you hired, like, let’s pretend like I mean, if you, let’s take it out of real estate and say like, if you hire somebody to do brain surgery on you, or give you a, you know, a prosthetic leg, and then all of a sudden you’re like, and the leg goes on you or whatever the case is, and you’re like, oh, it’s not working, and it’s not attaching. And then the person who designed is like, Oh, I don’t I don’t know what to do if it doesn’t work. I mean, I just am ated I just don’t know, like that, like what a terrible feeling that would be for a consumer. That would be, you know, terrible. So a lot of realtors are awesome. But at the same token, you know, I don’t think many of them were really looking at the economics portion and understanding. You know, I think this is an opportunity for every real estate board. Unfortunately, it’s like speaking to deaf ears. But I think this is a massive opportunity for industry to frickin change. Like, you know, we’ve been fighting this a long time, it’s way too easy to get your real estate licence. It’s a joke. And it’s like, and you know, I am, I fought boards on this I have, you know, gone to Rico, I’ve gone to Korea, and I’m like you should not be able to get your real estate licence is easy, you should not be able to, you know, handle these type of transactions, if you’re not familiar with a more higher level of understanding of real estate, you know, you really need to understand real estate, it’s not acceptable. If you’re talking to a real estate agent today. And they don’t know, you know, how much the prices have gone up in the last two years, and they don’t know what the economy is doing. And they don’t know the average effects, or they don’t even know average days on market. And we still

 

Erwin  

put some onus on the consumer, for picking that realtor, we do but like

 

Mary-Anne  

the consumer consumer, like, you know, you got to remember sales. And then you also have, you know, the consumer is also concerned about money. So sometimes the consumer doesn’t see the big picture. And they have somebody that sits in front of them. And they say, well, realtor, Asus is going to represent you for 5% and list your house. And then your friend who errorCode has their real estate licence says don’t worry, I’ll do it for three. And the consumer does what because the economy is, you know, inflation, the cost of living has gone up the consumers thinking, wow, you know, I have a million dollar house 2% is not small change, and they’re like, I can get 2% more on my pocket. That’s amazing. And so I think the message, you know, comes from the real estate boards to start, like, I think the consumer knows, like, you know, the amount of great knowledgeable, highly skilled realtors, like, you know, we’ve been saying this for years is gonna go to people with teams, people who invest in growth and development like your team does, like, there are many, many teams out there who are very serious about growth, very serious about numbers very serious about making sure that they their clients are with them for life. So sometimes when you dangle money at people and say, well, they make poor decisions. And that’s, that’s been since the beginning of time. So the real estate board needs to do a way, way better job at, you know, making the standards for hire. And they need to also the biggest thing that we’re advocating now, which I firmly believe is if you do something unethical or illegal in real estate, it should be an automatic despairing of your licence, it should be automatic. And there are way too many incidences that have happened recently, and over the years in real estate with realtors in Ontario, even where they’ve gotten a slap on the wrist. And they’ve done things that I just would be like, that should be an automatic despairing of your licence. And then if you have things like that, and you’re like, and you have a standard, and that’s all they have to do is just say, if you do something that breaks a rule, and because you didn’t know the rule, or you did something that you know, directly caused client irreparable harm, like advice on the wrong decisions is that you lose your licence for good.

 

Erwin  

That’s happened so many times.

 

Mary-Anne  

I’ve seen that happen so many times,

 

Erwin  

you so you sat on the you sit on the board.

 

Mary-Anne  

You see it all the time. But that’s the thing is like there is a person who forged 170 I think 172 or something, something like that. It was an obscene amount of forgeries on contracts of signatures. Obscene, it was a public case, and the person got a six month suspension of their licence. If you make a conscious decision to forge hundreds of signatures on a contract, that’s it, your licence should be gone, you made a conscious decision to do something that was completely unethical, you lose your licence, but to get only a slap on your wrist for six months. And you know, in a miniscule fine, and the person never they just transfer their their brokerage licence to a family member. And they continued for six months advising and doing whatever. And I was like, that shouldn’t happen in our industry. And when that’s your standard, you know, and then can you imagine what else is happening? So hopefully, I know, that’s a bit of a rabbit hole. But hopefully, hopefully, you know, maybe somebody in the real estate community will hear this and be like, You know what, it’s a valid point. There’s just not enough penalties for people who are doing things and advising clients that are hurting them.

 

Erwin  

It’s crazy out there. I heard something yesterday about professional services, businesses, and the highest level that you can offer in terms of services to be someone’s strategic partner. Yeah, or like a board member to there. So for example, we, you know, we are most of our clients are real estate investors, they can own three property five property, whatever. And then how I view us as our services is that we’re like a board member for their investment business. Yeah. And that’s our relationship. Yeah. And when you have that kind of relationship, it’s all about long term it is alright, when our thing is to protect our client, make good decisions, get make good, strong investments decisions, whereas I find I’ve even seen influencers say, oh, go get your real estate licence and start some pre construction condos. Yep. And like, you make all this commission like, I’m sure there’s a whole bunch of people, not all of them, but a whole bunch of realtors who got into it, just chasing money.

 

Mary-Anne  

That’s all Yeah, it’s funny because the two things that you know, I think we have in common right now. thing is, we don’t coach realtors who just want money? Yeah, we’re proud of them. And we have century clubs. And you know, we’re they work very hard, but they have bigger, they build businesses, just like you said, your team is very similar to the ones that we coach and like, I love your team. It’s a growth oriented team. But your team is like, astronomically smart, like very, very intelligent. And you know, it is continual learning. It’s continually, you know, participating in the growth of your clients. It’s really it’s treating your clients like, there are like partnerships like you guys treat your clients like that is a very different environment than what you see like you’re not chasing GCI, you’re looking at finances, because it’s a business, but at the end of the day, and you have those goals, but for your team, it’s such an intelligent team. And that’s, you know, where the industry is going right now. And that’s also, you know, where I think, you know, that’s where we like to work with clients, when we get a phone call from somebody, I can smell it a mile away, when they’re like, Oh, my GCI is down and then they’re like, I just want to like, you know, can we coach with you guys, and like, let’s get our GCI up. And it’s like, no, like, no, because what’s going to happen is, is if you see your clients as just a meal ticket to GCI in the real estate industry, then you’re going to always be chasing GCI, but you’re never going to have their best interests at hand. You’re always thinking about your paycheck or your GCI. And you’ve got to see people as each individual that you do business with, just like your team does, each individual that you do business that you represent, is a human being that has life goals, like this is their biggest financial investment of their life. If you don’t even know what your market’s doing, and you don’t have a clue where it’s going, because you’re not investing that time, then that’s something that I think is not in alignment with where we are as a coaching company. So that’s why we spend so much time studying the market and educating our clients and say, here’s what’s coming down the pipeline. And we get the calls almost on a weekly basis from our clients, just saying, hey, you know what, I don’t know how you predict this stuff. But they’re like, it’s awesome. You know, and like, when we said, back in November, we’re like, it’s going to be a skill driven market for the rest of like, probably your careers, you know, at least two to five years. I’m excited. I love it. I’m like, let’s go, let’s

 

Erwin  

1. Like if I like working for my money, well, I

 

Mary-Anne  

love working for it. But it’s also challenging. It’s like, you know, you have like, when you look at it, like look at Ottawa, if you had a 40% increase in 60%, you know, drop in the increase in prices, you’re still looking the average seller’s market is about a 5% increase in prices per annum, and you’re still looking at it, and you’re going, Okay, well, you take the 16, away from the 20. And you’re like, you’re still left with a substantial over 20%. Still, you’re left with as a profit that you didn’t really do much in the last two years to get that you take that over two years. So you’re like, you’re still 11 12% per year of growth in your pricing. And that’s amazing. That’s times and I’m like, what, like, when did that become bad? I like you know, but being able to articulate that to a seller who’s sitting there going, Oh, I lost 20%, you didn’t lose 20%, you did not lose 20%. Okay, you didn’t have it things, the real estate goes up and down, just like anything, but it’s like you didn’t lose it. You know, it’s gonna come back to you know, at some point, but the reality is, is like, and that’s what I think is exciting. We’ve seen a snapshot of where pricing can go, it will go back there, not for a long time, but it will go back there and you look at it and who knows Canada’s a bit crazy sometimes, you know, maybe it will go back there. We don’t know what they’re going to do with the interest rates in the future. I mean, it is it is unknown. So I think you see a snapshot. And when we talk to sellers, you’re like, Hey, listen, this is like the best market, you’re still capitalise on great profits, excellent interest rates, in my opinion, still, and it’s like, make it rain. It’s a perfect market, more options, than that’s

 

Erwin  

to toot our own horn, in December, January, February, called down our list and told everyone, if you want to sell the next 12 months, this is time to sell. Yeah. And we had some clients take us up on that, and they’re very happy for it.

 

Mary-Anne  

I said the same thing. I was like, you know, what do somebody said to you, it was a seller the other day, and he was like, sorry, I agree. And I don’t mean to laugh, but it was his face when I said this, and he was so angry. He’s like, Yeah, I’m just like, really angry. Like, I should have sold them. February. That was the best market ever. I said, Okay, let me tell you something, if everybody knew February was gonna be the best market ever to sell would have been the best market to sell would it? And he looks at me, he’s like, fairpoint he’s like I said, Yeah, I said, it’s like, it’s not gonna you know, if we all do, we rushed out. We were like, hey, guess what, it’s February is gonna be the Rockstar time to sell go ahead and do it. You’re gonna make so much money was gonna be incredible. You’d have so much inventory on the market, it would have been the best time so he’s like, that’s a good point. I said, take what you have. I said, see it as a whim still. And I said, You know what, it’s reflective. Not only now, are you getting that profit, but you’re also getting about 2% off purchase prices now in negotiation. So it’s great. It’s wonderful. And you’ve got some sellers who are totally panicking right now. So you’re getting even better deals. So I don’t know about you, but I’m like, I’m like got my public company ready. I’m like, let’s go. I’m excited over the next two years, like What is up?

 

Erwin  

I want to say to you, because just to give the listener some context, I think days on market in my market in Hamilton, I think we’re I think we’re just under 50 days on market, average days on market. And I think today, today’s placed a little bit a little high. So if I go back to like, February, I think we’re like 14 days. We you bet that year.

 

Mary-Anne  

Yeah. You were like you were less than two weeks, you’ve moved in your area, Hamilton has moved into a bar smart Irish bounce market right now. So you’re a bounce market? You’re actually I think you’re pushing over 60 days? I think so. So with that being said, it’s just

 

Erwin  

something. I don’t know the latest stats. Yeah, cuz I haven’t looked at base stats yet. So yeah. Is it already 60 days? Yep. So you’re sitting here sitting here roughly as well.

 

Mary-Anne  

It’s about that here as well. I mean, it’s see the thing is, is the hot, beautiful houses, like the gorgeous houses, they’re still flying off the market, we’re still hearing aid offers six offers, you know, what we’re seeing is we’re seeing some sellers, who are who are trying to get February prices. And this is the frustrating part for consumers. But yeah, they’re trying to get February prices, and their agents aren’t educating them, or they don’t have the skills to educate them. Again, that’s a skill driven, and we just had a client who is so devastated. There was eight offers on the property they offered 300,000 over asking, and this is why I think there needs to be some changes. So anyway, the houses on the market, we are in June, we all know what the markets doing, you have to live in a squirrel hole not to understand that. And so they had it on eight offers this offer was 300,000 over asking, I saw the stats and the comparables, it was a great offer. And the agent called all the realtors and said client didn’t get what they wanted, they’re pulling the house off the market. I hate that, yeah, you should lose your licence. I’m like, lose your licence. Because if you have a seller that did that, and put all those people through that, put the realtor through that too. But the realtor should have known better if that was the strategy that you had, that’s not okay to do that to people, like in my opinion is not okay to do that to people. There are laws in place that say if you get everything you want an offer, you have to sell the house, this is not, you know, putting a house on MLS and doing stuff like that is it ruins our industry, but it also is really poor poor on a human being to do that to other people. You know, you have eight families that fell in love with your house, and then you just literally because you’re greedy. And you know, and you had an expectation and you played a game with with the public. This is why so many buyers right now, like that’s going to have more of an impact. That type of behaviour has more of an impact on our market. Because think of all those buyers who are devastated.

 

Erwin  

And they think all things were ignored. It looks unprofessional.

 

Mary-Anne  

It’s unfair, it is unprofessional. It’s like there are laws in place that say if you put a house on the market, and you advertise a price, and it’s you get an unconditional offer that matches everything. You know what, you’re not supposed to change your mind. Like they do that? Because if you think about that, how do we know that that realtor didn’t put that that wasn’t a friend of the realtors that put their house on the market just to get more clients? We don’t know that the consumer doesn’t know that. I don’t know that. So you know what there is laws and rules in place that are being executed that prevent that from happening. And you know what, nobody’s reporting it. And, you know, we’re just watching stuff like that happen because it’s a game that they’re playing. So so there is some challenges right now as

 

Erwin  

well as the open bid thing gonna happen.

 

Mary-Anne  

Yeah, so there Oh, that’s a hot topic. Yeah. So open bidding you know, is BC so BC is launching, you know, BC is the first province I think that is like kind of putting it into place. So they voted that they’re going to they just don’t have the date yet. So it is going to happen in BC. They just don’t know the date yet. The agency with the also implemented in BC is a mandatory mandatory cooling. I love so you talk to the agencies and sir okay with both of those. Yeah, associate our problem do you see there?

 

Erwin  

It’s like seller, like lost the deal. And like after like 30 days, day, like they walk they walk and like my poor seller.

 

Mary-Anne  

I know. I know. So so it’s kind of like, it’s like, but they do stuff like that. And it’s funny because it’s like I you know, I think there’s bigger things that they have to focus on in my way bigger, the bigger, bigger things you need to focus on. But

 

Erwin  

this is low hanging fruit. Yeah.

 

Mary-Anne  

I think the the open bidding process is ridiculous. It is the most ridiculous thing I’ve never personally heard of before. I’m like, you know, I think auctions are good. But there’s like, it’s funny because there’s a company called unreserved in our city and I think it’s in GTA as well. I’m like, it’s called unreserved which you would think means there’s no reserve pricing? Like it’s unreserved, it’s an auction. So, how in the world can you not meet the minimum reserve? Like it’s not it is reserved, like it doesn’t even make logical sense. And so you see all these people doing auctions, and first of all, like, you know, the consumers provide their their information, but then also they’re getting called afterwards, you know, saying, oh, yeah, so you know, nobody won. But here’s the thing. Do you want to bring your bid up? Let’s negotiate. I’m like, Okay, so is it working? Is it really working? So so we really look at that there are we do coach a company that is as spectacular, they’re going to be coming forward and launching out some great auction sites and whatnot. And they’re, they’re doing it the right way, a very regulated way. But there are some reserve reservation companies like an open bidding companies that just you know, to me, I don’t understand, if you have deep pockets, isn’t the person with the most money still gonna win?

 

Erwin  

The whole process is weird. Let’s see what happens if I have a million

 

Mary-Anne  

dollars to spend on a lake house. And I’ve always wanted to be on that lake house. And I have the most money out of all the people bidding, I’m just gonna keep bidding until I get to my million dollars. Like, to me, I don’t even understand who this benefits, because the richest will always win in that situation,

 

Erwin  

I think in theory should benefit the seller. Because if you look at how eBay is designed, it’s open bid. It is and how does eBay work? They work off a commission. They want the highest possible price. Yeah. So what did we fix? You fix

 

Mary-Anne  

nothing. It just encourages, you know, it encourages more higher prices and encourage that. I think the whole awesomeness about real estate is is that yeah, like you have a seller who has their house and like, you know what this is, it’s worked for centuries, you know, and if the more skilled your real estate agent is, as a buyer rep, the more you’re going to be able, there’s no better feeling for a client and a realtor to say, you know, going in and getting you know, I hear it on the phone now where they’re like, Oh my God, my clients so happy, we just got 25,000 off the price, or we got this. And like, that’s what real estate is sales, it is sales, you know, so to me, it’s like if I want to go to right now I can’t find a car. I’m like, you know, Ottawa has a very bad selection of vehicles right now. So it’s like, you know, if I go into a dealership, and there’s supply and demand or whatever, and we’re all bidding on one car, it’s the person with the highest pocketbook that is going to get it. So I don’t believe a system that penalises people for not having enough money to purchase things. I believe that’s crazy. Coming from a family of immigrants. I’m like, you know, I think to myself, I like seeing the little guy win. I love seeing the little guy win. And I’m just like, and I think if the little guy chooses an excellent realtor to represent them on their transactions, and they’re able to negotiate, you know, great prices for them, the little guy wins. But that little guy is never going to get ahead, if you have open bidding, and always has to pay the highest price humanly possible, right? That’s a one sided win.

 

Erwin  

And I’m pretty sure there’s been social studies on Open Bidding how egos get in the way. During that study, I think people are the people are bidding on $1 bill or $100. Bill, then people bid over $100 to buy $100 Because their ego has gotten away the competitive, of course. So to me, this has benefits sellers. Yeah, this is driving prices up. And then that that was what the government wanted. It’s

 

Mary-Anne  

not but again, there’s one thing that they the government should do the standard real estate, stay out of it, they should just like, bugger off, just stay out of it. And you know what, like, the whole real estate system, to be honest with you even look at open houses, I think open houses were first designed, if it was like 1906, or something like that in Texas. And they were designed literally after everybody went to church, it was a new home developer. And it was a sales rep. And he was giving away cases of coke. And coke back then was like, you know, a really, it was like a big deal. And anyway, and they had an open house. And then so it was on a Sunday afternoon after church two to four. And so how is it possible that literally so as time has passed, and we’re still doing open houses two to four and Sundays, like it’s so archaic our industry that I think, you know, one of the things that you need to start to see is the evolution of how we do things, but also the government staying out of it, evolve it so like, why are we paying board fees? Like you know, we talk about GCI money while there’s how many realtors in the GTA a lot? Yes, there’s like one in four people. For friggin people have their real estate licence? Is

 

Erwin  

it really that bad?

 

Mary-Anne  

Or one in seven? It’s like one or 417? It’s I think it’s one in seven employable people in the GTA have the real estate licence and majority 80% only do one transaction a year. That’s not the point, though. Think of this wonder last year? Yeah. What’s crazy is that all of them are paying monthly dues. So who’s really benefiting? Here?

 

Erwin  

Were those money go?

 

Mary-Anne  

Where do you think it goes? It goes to our governing boards and what do they do with it? Like honestly, they don’t do?

 

Erwin  

They’re not happy with anything for me?

 

Mary-Anne  

Yeah, like, I mean, it’s a whole can of worms. But I mean, like to be honest with you. I think that’s, you know, it’d be nice to see, I don’t know, I don’t own a brokerage, but I can only imagine the frustration level if you own a brokerage and you look at these things, and you’re like, what is our governing boards doing to like, elevate our industry to a different level, like what, you know, we don’t have great courses available to us to increase our skills like that’s, you know, to as a coaching company, I’m lucky we know because guess why, like, they come to us for that. But at the same token, you know, if I if I wanted to work for an organisation, I would blow them up and I’d be like, you know, Korea, Rico everything. I just blow them all up and redesign everything and say, Look, if you’re making that much money on fees and whatnot, what are we really reinvesting in him? set higher standards, huge way higher standards, this should become a very, if you’re making more than a brain surgeon, then you should have a standard that is just as high to get into real estate

 

Erwin  

and you have those problems with brain surgeons and preterm realtors.

 

Mary-Anne  

I usually say, this is a fair point, you know, all of a sudden, you’re like, what do you do for your past like, I was a brain surgeon, but screw that bad. All I have to do is sell 10 houses a year. And like, honestly, this is easy. But you know, I’ll just do this. And I’m like, yeah, that is the reality. Yeah.

 

Erwin  

I have to ask about Yes. What do you do for fun? Oh, my God.

 

Mary-Anne  

What do I do for fun?

 

Erwin  

I want to do for fun is does that sound like fun to me? Yeah.

 

Mary-Anne  

I mean, like, here’s the thing is, you know, I’m a firm believer in mindsets, right, like so. You know, you said, I am a realist, but I do arguments for fun. I do Ironman triathlons, and I’ve been doing them for over four years now.

 

Erwin  

So I get one of the distances for an Ironman

 

Mary-Anne  

so an Ironman like it. So you do three sports, you swim bike and run the total, you know, for an Ironman, I believe, Oh my gosh, I’ll go by memory. I think it’s 126 miles total all in.

 

Erwin  

So how long does the swim how long does the swim take you swim takes like,

 

Mary-Anne  

I would say for an Ironman, I can hammer out the swim in about 45 minutes. That’s a long time to swim. When you swim four times a week. 45 minutes is nothing. And that’s open water. Yeah, that’s the scary part is it’s it’s open water. And I mean, like if you go back to Florida, I didn’t Florida November, where it was historically, the worst swim I think they’ve had ever and we all got pulled in by Riptide. And there was like, there was 2000 people swimming and about five to 600 got pulled pulled in with safety. It was a riptide that they didn’t see happening. So it threw us into the middle of the Gulf of Mexico. So that 45 minutes swim turned into an hour and 25 minutes. So that’s how bad it was. And all was okay. Um, everybody lived, you know, you know, some people die in this but everybody lived but I mean, the race is over for like five 600 people within 10 minutes because they swam out. Nobody warned us in the pros even said it was the hardest one they’ve done. So you kind of go into the amass why you train so hard is because you know what, that 45 minutes became an hour and 25 minutes, and then your arms are like Jello pudding after because you’re like you’re swimming for your life at that point. So that’s the hard thing about swimming is is that you just, you know, one of the legs is always hard, but you just don’t know which one what you’re gonna get on race day. So you have to train for everything. So that’s why we go out in bad weather. That’s what we train in bad weather. You know, I always talk to, you know, water safety first. And I’m always like, you know, they warned us, they said, there’s only one thing that can go wrong. Every now and then. And they’re like, every three years. They’re like a rip tide comes in. And I’m like, Well, where does it come in? And they’re like, it comes up there. I’m like, okay, cool. And it came exactly where they said, so that one conversation really helped me in that race. Because like when you’re swimming and all you can see is you’re being thrown out into the into the middle of the ocean, and you’re seeing the distance and you don’t know what’s happening you’re looking at you’re going oh my gosh, like why is everything getting so far away when I’m swimming this way. And then all of a sudden you see people screaming and hanging on to the boys like Titanic you’re like oh shit, you’re like this just got real so and then you jump off when you’re done you transition you’re and you’re wet. So you have a you know, you got to your time do you have to go fast. So then you run your bike rack, then you do build you get on your bike and then you do about 112 miles on your bike depends on what kind of course you have. Sometimes the bikes, there’s flat rolling and climbing. So I just did Victoria and that’s like a 3500 foot climb. I could arm in Tulsa last May a year ago and that was close to 5000 feet climbing. So I’m doing more trauma blah. Mantra blog is next to three weeks from now and that’s a big climb so like say like I like the climb ones because I’m really good at climbing so but 112 Miles they’re on the bike and then as soon as you’re on the bike you rock your bike put on your running shoes and away you go run a marathon which is over 26.2 miles so it’s like so the heart the hardest thing really is is keeping your body going you have like 17 hours to do it all

 

Erwin  

and that’s a requirement because you up if you fail to finish if you do not right yeah

 

Mary-Anne  

if you don’t make yeah but you have to like hit all the time so like your swim has a time cut off your bike has a time cut off and your run does so even if you’re a super ultra fast runner if you go over the time limits in either of the first two categories you’re out so like you can’t sit in transition just be like I got all the time in the world you got to keep going so the

 

Erwin  

Florida swim a bunch of people got eliminated immediately Yeah, because no fault of their own really

 

Mary-Anne  

no fault of their own they well I mean you can say that but you would be very shocked how many people do Ironman without the proper training. So if you train properly the way that that you should for an Ironman, which is part of the fun, then there’s no condition that should mess you up. Like it shouldn’t do things without proper training. Yeah, like there’s there’s a whole movement right now with Iron Man’s in business and you’ll see it on Facebook and stuff and you see they’re in their stuff. have admitted, I spoke to somebody at the most recent Ironman of Victoria, who was telling me that they only do Ironman for business purpose, and like that they’re only going after an Ironman goal, because they’re like, this is the best marketing for me in my business ever. And I’m like, do like them. And the dudes like Not at all. He’s like, I hate everything about this. And I’m like, so there’s a whole movement that you can see in the business community right now. And I’m seeing in actually real estate, where people are trying to do Iron Man’s because they want that for their marketing. It’s a business decision, right? As opposed to a lifestyle decision. For me. It’s a lifestyle decision, I wake up and all I want to be is on my bike. You know, I love swimming. So I’m in the pool at five o’clock in the morning. You know, I love going for a run. I was running last night. So like, for me the competition is the motivator and challenging your brain to go to the next level? You know, it’s like it’s amazing. You will never doing it for business would be ridiculous. Like it would be I mean,

 

Erwin  

that’s better than I’ve read about people who climb Everest for business, but they’re even climate they get carried up by a Sherpa. So I’ve seen that too. I put that worse than running, because you still have to do the Ironman yourself. Oh, yeah, there’s no Sherpa for it.

 

Mary-Anne  

You get disqualified if you have a shirt but you’re disqualified. But you’ll see people like they’ll pick the easiest argument and they’ll be like, let’s just get this over with easy. There are some easier like let’s be fair, let’s be fair. Armand Cozumel is an easy one. Okay. It’s like you’re in friggin Mexico. You literally just swim is known in Cozumel like, This isn’t good. So if you’re thinking about doing an Ironman, you want an easy one. I am not saying it’s always going to be easy. I don’t want to make it sound because it’s you’re still doing the work. You’re still doing the distance. But everybody knows. There’s a couple Ironman where you jump into the water. And there’s a curse. Yeah. Okay, so So the current will carry you. So that’s the first thing. And then if you have an Ironman that’s flat, you can have you know, the only downfall you have is you know, a flat iron man, that’s easy on a bike, like you just get into the coach position, you got to have you still have to be physically fit. But where that can go wrong is if there’s heavy winds, right? Like in Florida, it’s a flat course. So 112 miles on a bike flat. But we had such high winds that day that it was like 112 miles of FML. Like, that’s all it was, it was like you were just like, oh, like, you know, you’re like, Oh my gosh. So you know, you run into different different challenges. But there are there are harder arguments and there were easier arguments. So you pick your flavour either way, you’re still doing the distance, so it doesn’t matter. But if you are doing it for a business purpose, pick an easier one. Don’t put your life at risk. That’s the thing is don’t put your life at risk. Because now cardiovascular wise and body wise, you know, you can damage yourself for good.

 

Erwin  

The drift diving is beautiful and Cozumel. You can do after the race?

 

Mary-Anne  

I think it’s I think it’d be great to do it. I just you know what, honestly, I’m terrified of Mexico. So I’ll never go there customers a little different, because that’s what they all say until it’s not. Well, it’s

 

Erwin  

an island, right? So you have to make an effort to get there.

 

Mary-Anne  

Well, like I’m telling you, it’s an island, I don’t care what it is. I’m like, I’d be that one person that ended up in Cozumel. And they’d be like, ah, the drug lords decided to take him out this weekend. And he just decided Cozumel was over. I’d be like, that’s what it is. I’m like I’m just so terrified of Mexico. I’m like, I don’t even know if I go back ever

 

Erwin  

have a look, see if there’s anything in crime on the island. Because it’s different. Like, for example, like when you’re in the beach, there’s no one become like, there’s way less vendors that bother you compared to like mainland Mexico. Because again, it’s just harder to get there.

 

Mary-Anne  

It would be but I’m like, there’s a lot of beautiful places in the world that I’d like to see. So I like I’m like, You know what, not that I don’t want to see that. But, but when you’re doing an Ironman, like the biggest thing is there’s just a guy called Mike Riley. And he has written a bunch of books, and he’s the announcer and he’s the commentator, and he is the they call him the voice of Ironman. And you work really hard. Like, no matter what, no matter what you choose for an Ironman for whatever your reason is, you know, if you’re training or if you’re training hard, like you put in the work, and you know that work is daunting, you know, you you wake up, you do 16 hours of training in a week, a lot of the times and if you’re competitive like I am, like, you know, you put a lot of work in it yesterday is like five o’clock in the morning in the pool. My swimming is pretty fast. And it’s like so you don’t have to just float around at 5am and swim like, you know, to have half asleep. It’s like go swim. And it’s like, yeah, it’s like, like yesterday, I was like, Oh my gosh, are you serious? Like Oh, I gotta swim swim. And it’s like so you don’t like it’s none of the exercising is like relaxed. So anyway, so that kind of happens. But Mike Riley is, you know, there’s this he’s got this voice and like when you come across the he doesn’t do all the races. So you want to get like the race that he’s at. And when he calls you. It’s the way he says it. He’s like, and he his books are great, by the way, and he literally is like he goes Ariane Glasby you are an Ironman. I’m going to tell you I still when I say that like no word of a lie. There is no better there’s no better Feeling mentally, to know that you gave everything you got, and all the training you did and everything because you don’t know what race day is gonna give you. That’s the scary, the scariest thing is showing up at the starting line. It never gets easier. You always last weekend, I was like, I don’t know what I’m doing here. I’m like, What am I doing? What am I doing, and then it’s too late, you’re like you’re in the water is like, go, you know, and it’s like, now you know, you’re racing. And then when you cross that finish line, and he screams that your name, because there’s not 100 people around you, you know, the course widens out and there’s tonnes of people everywhere you get your own red carpet. And when you’re when you know that you just put yourself through something that very few people will do. And you did it, and you made it through it. And because you only only you know, the mental journey that you actually it’s 90% mental when you’re on race day, and you know everything because you’re not allowed music, you’re not yet no music, no headsets, no support, you’re on your own the whole time. So it’s a very lonely experience in your head. And the stuff that goes through your head is the worst parts of you. It’s the worst parts of you, it’s you know, it’s the stuff that tells you you’re not good enough. It’s the stuff that you know, I don’t like to get emotional, but it’s like so emotional. It’s the stuff that tells you that you can’t do it. And it’s fresh. That’s why I’m emotional is like it’s fresh, because I just went through it again, and you sign up for it again. But what happens is, is that when you have music and you’re working in and you’re running and you’re doing things, you zone out, you can you get into a rhythm and your head goes into a different space. But when you have no music, and you have nobody there with you, and you’re feeling the pain of swimming, and then you know 112 miles on your bike, and really hard, you made it through because you’re worried you know, and you’re turning and you’re doing everything you can and then you’re running, and you’re like I gotta get through this. Every shitty thing you could save yourself comes out everything, you know, you just nail it, you know, can’t do it won’t do it. Why are you doing this, you don’t belong here, this person’s passing you you’re gonna give up your body hurts. Give up quit, you can you can quit, who gives a shit. Like so much stuff goes through your head. That’s the worst parts of you. And I’m not used to that. Because I’m like, I’ve tried so hard in life. And it’s like, so I’m not used to that shit. But you know, everybody’s going through it. And then when you cry when you get there, and you fight it, it’s not about putting your running in place. It’s not about the biking, it’s fighting every bad thing that you could save yourself and you’re fighting it. And you’re going, you’re your mind’s going, quit, stop. Don’t you don’t need to do this. And you’re fighting it and you’re going stop it. I can do this. And you’re like that’s all the narrative over and over and over again. Because you have no you don’t have a Mariah Carey singing in the background. You don’t have Bon Jovi pumping you up or anything like that. So you’re like pushing and pushing. And then when you get to that finish line, and Mike Riley says those words. That’s a badge of honour. That’s why I have a tattoo. You know, I have a giant Iron Man tattoo in the back of my calf. Because, you know, somebody said to me the other day, they said, is that an ego tattoo? And I say no. I said, first of all, we put it on our right calves because when you pass bikes, they see it. So they know, it’s a badge of honour, it means that I did it. I didn’t just, I like, I want to remember the rest of my life that every and that’s why I sign up all the time. Because when you get comfortable, you enter no man’s land, and you’re dying. That’s what you’re doing in life. If you’re comfortable, and you’re not pushing yourself, you’re just dying, you’re waiting for your life to end. Or you’ve basically said this is all I’ve got in me and I’m just gonna you know, take it comfortably. So I like to remind myself, push yourself, get to the next level, be there you know, don’t stay comfortable. Always remember that, you know, if those words are in your head all the time and you fight them in a moment when Mike Riley says Marian Glasby you are an Ironman, I’m like, Yeah, I can do anything. I can do anything. I can literally do anything. So don’t stop keep doing it. And so that’s awesome. So that’s what I do for fun.

 

Erwin  

What Blizzard asked me context. So you know, you know I was kid around or something. I often sit around but you’ve had an easy life having you know, a silver spoon, you know,

 

Mary-Anne  

rich family and you know, yeah, no, no, I don’t think I’ve ever I was saying this an interview the other day they said, you know, What, did your family leave you? Like, you know, most people look at legacies and families and like what I said, I can honestly tell you, I don’t think I’ve ever been given anything. I don’t think I’ve ever even gotten like, you know, some people are like, oh, a parent dies, you get like a you know, I don’t even know what you would call it like a bursary or something or a gift or like a house or anything. I got nothing. I got absolutely nothing. I don’t even think I ever I never even got a car bought for me by my family. You know, I mean, because all of this happens so young. So I’ve been on my own I would say since you know I was a teenager, I’ve been on my own and a lot of people they you know, we go through I’ve had probably, I think never stops. Like I’ve always had something challenging and difficult come in my life and it’s like, you know all the time. And it’s like so you know, being homeless not having a family surviving cancers. Like I don’t

 

Erwin  

know, you didn’t tell me when you have cancer? No. Crazy.

 

Mary-Anne  

Yeah. Well, I mean, like, What’s crazy is I like you just started

 

Erwin  

just to give some context. We’re still working together, and you were dealing with cancer and getting treatment. And you didn’t tell me?

 

Mary-Anne  

Yeah, no, no, I have, like, you know, one of the this is the only podcast that I’ll ever say it and you know, and I won’t say it again. But I currently have two tumours. I currently do and we’re going in for treatment and surgery in July. So yeah, so So you are the only person that I’ve ever said that to, you know, in this context, but no, you don’t have to look like that. It’s okay. Like, they’re small. They’re tiny. So we caught you know, when your former patient, you know, they test you all the time. And the accident in Tulsa, in my Ironman is what discovered them. So a year ago, they were discovered and we’ve monitored your one and it grew and another one came in. So now we’re going to rectify it. But it was actually the accident in Tulsa aren’t man it was meant to be it was meant to be. Yeah. It never would have been so easy to get to tell us that wasn’t it? Yeah, it was a terrible accident experience. But the thing is, is like

 

Erwin  

the listener, go listen back to Mary Ann’s previous podcast. She details her first Ironman. Only having one shot travelling in a pandemic. Terrible first. Ironman,

 

Mary-Anne  

I don’t think I’ve ever excuse my expression. I don’t think I’ve ever shit my pants as much as that. And it’s like, either you know it. I’ll tell you what I said to somebody the other day I said that. They said to me, yeah, it was on TV. They said, Do you ever get scared? And I said, I’m scared all the time. I said, when you’re at that started, like you’re scared all the time. And I said, so why did you I said, because you learn and I think I learned this very young. And I it only came to fruition in my head the last year or so, where you realise if you’re scared, you can either be scared and terrified, or you can be scared and exhilarated and what you learn is fear of being scared is something you can’t control. You can’t not be scared and something. It’s just a JSON natural instinct, you’re not a psychopath. You can’t turn that off. So it’s like, yeah, I’m scared. But I’ve learned that that being scared is where I belong. That’s where I belong. That’s where the biggest awesome opportunities happen is when I’m scared. I know that that’s a good feeling. And I don’t look at it and go, I’m scared and I gotta bail. That’s not what I do. I go, I’m terrified. I was scared. I wrote with 20 year old pros and Olympians on Sunday, a ride right after my arm and that I shouldn’t have written. It was a very tough ride. And you know, what was I scared? Yeah, I was scared. But I knew that that was where the best opportunity for growth was going to be. I’m so proud of the ride. I did. And I’m so proud of the people I met, and it was a next milestone. So you’re always moving yourself through stuff like that. And you’re always saying, How are you scared to start something? Because if you are, you’re just you know, I’m still going to wake up tomorrow, I’m skilling, I’m going to regret it. Like, what’s the worst thing is going to happen? So when you’re scared, how do you perceive it and like, I frickin love it. I’m just like, so now I look at being scared to something like that. But I was truly, truly terrified. In Tulsa. That was truly the most it was terrible conditions. There was no support World Championship. I’m all by myself in Tulsa. They removed the vaccine, the mask mandates I wasn’t vaccinated. I literally was like, scared to death.

 

Erwin  

I mean, you’d come up, you’re compromised, or compromised. I

 

Mary-Anne  

was scared to death. And a lot of people might be like, That was a stupid thing. But you have no idea how hard I worked for two years to get to that moment. I could not let it go again. I pass it up once. I was supposed to do Florida the year before I pass it up. And I regretted it. And that feeling of regretting Florida and not doing it. I was so upset with myself that I was like, No, I’m gonna go to Tulsa. And I’m going to do it and I was terrified. And I will never forget, like I said this before, when I crossed that finish line. And Mike Riley said that you’re an Ironman. I was like the cheering for the Canadian flag. I had the Canadian flag at the end. I was in so much pain. It was ridiculous. I looked like I was pregnant. I had a huge belly because it was swollen. I had my flag. And I saw an eagle on the Run course. And I remember just going dead like I was like, because it was just standing there. And I was like looking around. Nobody else was looking at it. And I’m like, oh my god, I’m dead. I’m dead. Like I’m actually I must have died because like, why is it like I’ve never seen an eagle. They’re amazing looking. And it flew off. And then I was like I realised later there was a bunch of people that didn’t see it. I was on Facebook. And I was like, Oh, thank God because like you think you’re crazy. And so anyway, so I remember like I took the we have special needs bags, and I remember it was right before the universities in the pubs to go to the finish line. I remember going into the special needs bag, and I had a Canadian flag and I had a Canadian shirt. So I threw all the Canadian shirt and I was like and I threw around the flag, put it around my shoulders, and I rounded the corner and the lineups because this was one of the first Ironman stern COVID that ever happened. It was the World Championship first one in Tulsa. So the crowds were like 10 deep on each side, and it was dark out like it was nighttime, so there’s spotlights on us. And then it was like all these patio lights and crowds everywhere. And I had the Canadian shirt and I had my Canadian flag. And everybody started screaming because they hadn’t seen the Canadian in two years, right? They were like, they’re like a year and a half. It was like we were banned from travelling. So it was like, it was unlikely. It was weird. And they’re like, Oh, I got a Canadian and Eris are going Canada, Canada, Canada. And it was like, I was so nervous. Like, Are you effing kidding me. And I was like, and I had met Mike Riley at a at a coffee shop just about three days before. And he took my name, took my number, took my details and my story of what I’ve been through. And because I lost, like, over 150 pounds, and he I remember, I was like, he’ll never remember me and stuff like that, but whatever. And so I have my Canada flag, and the crowds are screaming Canada. And I was just like this, I will never experience this again. And they’re like, go and then a couple people like Putin, we love Putin. And I’m like, okay, great, whatever. And so I’m running around the corner, and I can see my Briley I can see the finish line. And you know, at that moment, you’re like, This has exhausted and painful as I was I ran, like I just ran, it’s like something takes you over this adrenaline of what your body can do. And it takes you across. And all I heard was Mike Riley go. And here we have varying Gillespie from Canada. 150 pounds, the crowd goes crazy. They’re like, yeah, and you’ve got all these people screaming, and you’re going, that’s it, I crossed the finish line. He says you are an Iron Man. And there was transformation at that point. The old person who I was the butterfly became the you know, the caterpillar became the butterfly at that moment, you shed, you shed who you were, you don’t you never go back to who you are, it’s like in that’s the awesome part about it. I love it. What’s next? Well, I’ve got trauma. Um, so I’ve got well, in sports, I’ve got you know, I just did Victoria, I finished, I finished in the top 18. So I actually rolled down for world. So I did qualify for worlds and, and that was amazing. And I finished top five in the bike, which was even more amazing, considering four years ago, I didn’t even own a bike. So you got to put all this in context. So I’m doing triathlon in a few weeks, and that’s going to be the Ironman down there. And then I’m doing my big race, as we call it is the PTO professional track on organisation, I signed up for that in Edmonton in July. And that’s my big race. So I’m going to try to race that hard. And I’m going to try to win that race. And then I got into the Berlin marathon in September. So I’m going to see if I can qualify for Boston Marathon in September, and we’ll see what’s in between, like, we don’t know yet. So so we’ll see what’s in between. And I, you know, physically, like, I totally believe like, whatever you go through, regardless, if I have, you know, as somebody who’s a person who’s been through a lot, you learn that there’s always a path, you just have to kind of find that path, right. So like, regardless, if I have two little tumours, and they’re being removed and stuff, it doesn’t matter, like you know, I know what the recovery looks like, I know what the process looks like. And I know that I can get through it. So you know, it’s after my big races, and I’ve got enough time between that and Berlin, that everything’s good. So it’s like, and I’m super positive and super strong. So it’s like, so everything is really positive. So you just have to kind of like, for me, it’s, you know, that’s what’s next there for for business. I really, really, I mean, we are just this is my favourite thing to do is to just, you know, really take things to the next level, I’ve been during COVID, we almost have to put a pause on all of our business growth. You know, as far as expanding the company, as far as getting grilled, been, it’s fully launched, like, all the projects that we worked on had to almost be mitigated a little bit into a bubble, because we care about our clients. That’s it. And so when you’re putting a lot of extra time into research, and then you have to get them through this, and you’re doing extra calls, because you have to move people through different navigations of different markets. Like right now we’re spending, I’d say an extra, like, gosh, we’re working 16 hours a day, helping all of our clients navigate through this new change. And once they’re through it, and we’ll we’ll be okay. And so then we’ll be into our phase of growth, our next phase. So major expansion, major leverage, really going full tilt with girl abundance, and really changing females in business is just a huge advocate for me right now. So more females in business,

 

Erwin  

building actual businesses, tell us more about your abundance, who’s it for.

 

Mary-Anne  

So Girlboss is for and it’s evolved a little bit. So we have a core group now that is helping and so we had to we were really looking for the right project manager who I found now, so who’s going to really help develop that, but girl bonus is really it’s my passion project. You know, I met so many amazing, brilliant women in my life. And you know, I love men too. That’s not the difference here. The difference really is is that there isn’t a lot like there’s pay equity issues. There’s, you know, there’s the confidence of building businesses, you know, getting into investment, the amount of women who reach out to me for investment, real estate or the business in general and they’re just like, you know, there’s not a lot of options, you have a fluffy side, we have all these people helping women in business who are fluffy, very like life coaching, I almost call them. And it’s like, you need to drop that. If you you know, you need to be okay with being powerful, strong business women, there was many mirror ads on that, like it’s time to stop, you know, really putting us against each other. And if you talk to a lot of business women, it’s weird. They don’t support each other. It’s very, you can talk as much as you want about a bit in inner circles is completely true. It’s there is a pack mentality, where it’s like the really strong, aggressive business women, it’s almost like they can’t be feminine, or they can’t be nice, or they can’t be you know, they’re they’re categorised differently because they’re ambitious. An example, somebody said to me, a male said to me the other day, he says, You have a really big ego. And I’m like, Okay, I said, I don’t understand, like if I was a guy, like, why would you say that? He’s like, Well, you’re like you no covenant and walk around saying like, you can take people out. I said, I can’t because I have history to prove it. I said, we make over 200. Like, we bring 200 businesses that have never reached a million dollars capacity of profit. Every year we bring to her new ones in Canada, like, what are we actually doing for the economy and for businesses, I think is pretty awesome. And I’m like, Yeah, I have an ego. And I say, but there’s nothing wrong with that. Why is that bad? Like, like, Would you like me? He says, Well, you should be a little bit more humble, a little bit more lady like, like, as far as that goes. And I’m like, Whoa, like, Dude, you need to like, seriously, like, that’s the wrong thing to say to me. So So anyway, so that conversation as well. But your abundance is essentially like what we really want to do with girl bananas is we want to take her abundance to I want to help every single business woman who isn’t a hobby basement person, I want to take the women who have brilliant business ideas, and I want to help them and I want to support them. And I want to have a team around me that brings amazing skills into the equation that we can all help support them, we’re going to invest in their companies, we’re going to build this like it’s amazing what we want to do. And we’ve already we’re just about to start the application processes for for ideas and business woman’s do that. We’re going to start with big contests. So we’re excited about all that stuff that we’re launching into. But I think the biggest thing is is like when I went to Egypt right before COVID, what really made me understand because this journey has been amazing for me. But it’s time for the next journey. I’m very excited. And when I was in Egypt, I was sitting there and I was sitting down having tea on the Nile. And it was absolutely unbelievable. And I was having tea with these women. And they were all from there. And I think we were actually in Aswan, and we’re all sitting down having tea. And they were fascinated with me. They’re like asking her questions, right? Like, you get to do this, you get to do that. What do you mean? And they’re like, oh, my gosh, you weren’t forced to having kids and you like, like, like, it was really incredible, right? And so then I just sat back and I said, and I said, I want to hear from you guys. Like Give me your business dreams. Oh my gosh, the ideas they had, and the businesses that were in their heads, and their creativeness. And they have nowhere to go in order to support them. You know? So when you see what is possible, and what what what we can support and help and move forward with women in business. It’s not hobbyists, it’s not like I don’t think there’s anything wrong with having a business. That’s a hobby, but what I’m talking about is women who have vision, women who see things differently than, than other women do. But they’re in a circle that doesn’t support that, you know, it doesn’t mean their circles terrible. It just means are they in the right environment? And where can they go? Where can they go to be going back to our original conversation about masterminds? Where can they go? What can they do? How, you know, how can they how can they who is there to support them. And I’m very much not about like having segregation of the sexes, because I think the sexes should be together because that’s how you’re going to evolve as a as a society. But I think that there is a very big need right now. And you’re seeing a lot of banks and companies see that too. And they’re giving us funding, like Scotiabank has an amazing programme for women in business that they they give funding to and they help support. So you have all these outlets that we’re approaching. And that’s what we’re doing right now is we’re seeing where we can get some funding and start to go give us the give us the funding so that we can start to create programmes, and we can start to help people.

 

Erwin  

And then, like more tactically, what is it you guys meet in Chicago? Like, more tactically?

 

Mary-Anne  

No, we are, this is what we’re deciding now. Our headquarters is gonna be Ottawa. So we are going to have our headquarters in Ottawa. This is natural. This is where we’re going to be. I was thinking Toronto, but I was like, it doesn’t make sense if I don’t live there. So our headquarters are going to be here. We’re not going to limit our team though. Our team is going to be all over Canada. So we’re going to pick the best of the best for the team. So different people representing different areas of businesses. So our team is going to be everywhere, and then we’re going to do it exactly as my favourite masterminds. We’re going to do it quarterly. So every quarter we’re going to be bringing in and we’re going to have things that all the small business owners or the women in business are going to have coaching support and development and things to do every quarter in order to move their businesses forward. With the ultimate goal of launching their businesses, because you’re not busy enough, not busy enough, life is short my friend you know what I’ll do you know what, I’ll do a lot of rest when I’m when I’m under the ground and in a coffin somewhere or in ashes somewhere spread all over Hawaii or something like that. I’ll do it at that point. I mean, at that point, I’ll rest.

 

Erwin  

How do you feel physically because you just use a 20 year old?

 

Mary-Anne  

Yeah, like a 20 year old. I don’t even know how it’s possible. But like a 20 year old. I mean, I really. I take care of myself though. Like I really do. I focus on what I input what I output. I was laughing I’m like, after an Ironman. You know, I go on for days of every wild fantasy of eating that you could possibly imagine. Like, it’s dangerous. What did you eat? I don’t think I didn’t eat anything. I mean, that’s the crate like I cheeseburgers ribs. You know, pizza is like it you know, okay, Putin crazy. I OD on cheese. Like honestly, like you can’t eat cheese before racist. But like I’ll OD on cheese. Like you name it. KFC. Only the skin not the chicken. Like let’s be real. Who needs the chicken? Let’s go for the skin. Like you name it. I’m on it, like a bad smell. And I’m like,

 

Erwin  

what? What’s your regular nutrition look like? Then? My

 

Mary-Anne  

red? Yeah, so I’m sponsored by FTC, which is a nutrition company. And they’re great. And they’re awesome. So I haven’t agreed drinks. So I for breakfast, I always have their green drink. And it’s like a game changer. For me. That’s That’s what I think really gives me a lot of fuel.

 

Erwin  

Is it a breakfast replacement, or no,

 

Mary-Anne  

it’s not a replacement. Green Drinks are really good in general, like you don’t have to go with one over the other. But the green drink that I have is like a recovery and you know, green drink. It’s amazingly delicious. But what happens is is like you’re supposed to have your green drink on an empty stomach in the morning, and then let it sit there for 30 minutes, then you can feel you’re like holy smokes. Most green drinks will work really well if you follow that. So I have that as kind of like my launch to the

 

Erwin  

day. And then when you get up that’s the first thing. I have.

 

Mary-Anne  

Like right there. It’s like right on my counter. I’m like, I travel like it never leaves my side. So I have my green drink do that I don’t have any alcohol, no alcohol, no drugs, nothing. Like I know drink. Everybody knows that. I don’t smoke. I don’t do any of that stuff. Even in in cheat moments. I don’t you know, I went out for after the ride and everybody had drinks I ordered because we got a free beer. I had a cider. I took one sip. I was like that, like it’s gross. So anyway, so I don’t do that. But in everything else is super lean. Right? So I we have to consume a lot of food. So but I’m pretty much keto. So I follow a Keto regime quite aggressively. And then about two to three weeks before racing. I go into carbs. And so then I start to build my carbs. And

 

Erwin  

what kind of cars give me more specific pasta. Yeah, I

 

Mary-Anne  

mean, not about passes shit like that. I only have about two days before. So I’m really healthy carbs. So I usually eat my carbs in liquid format, or I’ll do them in vegetables. Yeah, I’m pretty diligent. I don’t want to I like liquid carbs. I don’t like big heavy carbs. Like having pasta stuff. It just doesn’t suit me.

 

Erwin  

What’s a liquid carb?

 

Mary-Anne  

So again, it’s like FDC has his called glyco. And it’s, it’s amazing. And it’s absolutely awesome. It’s drinks and so it’s just fuel. It’s just really good. Are you ever gonna

 

Erwin  

retire from the army? No. So you’re gonna look you’re gonna eat like this rest of your life.

 

Mary-Anne  

But I like it. Like if you feel like you’re 20 years old and you’re not 20 years old and you have more energy than you’ve ever had in your life and your your athletic performance keeps increasing. I think it goes without saying I want to keep it up. I don’t ever want to give it up. Yeah, I might change like I mean cycling is my passion but not change

 

Erwin  

as you speak. I think you can come up with Jesse Itzler. I can’t wait. Because he pushes himself like crazy to is only his nutritional regimen is nearly as strong as yours.

 

Mary-Anne  

Now, but he probably has a chef now. To be fair, I cook my own shit, right? So it’s easy. I go with whatever is easy. No, probably doesn’t. But it’s like, you know, I don’t know. Like, for me, I vibe on how I feel like I’m very in tune with how my body feels. If I gained three pounds, I don’t feel good. Like you when you are doing like 17 hours of exercising in a row. You can feel like if your body is not in alignment, and you’re just so slightly off, you can feel it. You do not want to be like you do not want to feel like shit.

 

Erwin  

You mentioned I guess your earlier Yeah. What’s your legacy gonna be?

 

Mary-Anne  

It’s gonna be girl buttons. So yeah, my legacy is like going to be girl abundance.

 

Erwin  

On Air man. Yeah, like,

 

Mary-Anne  

I am going to be branching into some of that, like, you know, I really do want to journal my story, especially after this year, I’m going to wait for the PTOs and then and then start you know, putting a book together and some some things around that because I think female in sports is actually really important as well. But I think like my legacy is is that I just want to I want a lot I want to leave. Like my ultimate goal is I want to see my original goal was to bring as many Canadians into millionaire businesses that I could and consistently well like I mean, I’ve welser pass what I wanted to do with that to see so many people become millionaires who are giving back and doing other things like, that’s cool to me like, that’s number one. So I’ve really I think made a difference that way, I hold back a lot on sharing my personal journey. So I am going to start branching out into that, which is going to be level two of my mind kind of legacy building to sort of share that and let people know that, you know, your possibilities of what you can do are limitless. And you’ve got to try to do it. And then my third and final legacy is going to be I would ideally like to get into to build girl, but it’s to the point where there’s 100, new Canadian female businesses being owned and developed by US per year. And we’re investing in them raising Yeah, that’s my goal. And then and then I’m done. Like, yeah, like I want to do is like maybe, I don’t know, figure out a way to like, sell cheese curds on the side of the road somewhere? I don’t know. I don’t know what I’ll do at that point. You know, serve. Who knows?

 

Erwin  

Surfing good. Nada.

 

Mary-Anne  

Hawaii, I do not want to stay in Ottawa much longer. Now.

 

Erwin  

where can folks follow along? Where can people learn about girl abundance? Yeah. So

 

Mary-Anne  

so what I would suggest is follow me on my red apple coaching staff for now. So go to Red Apple coaching. You can find me anywhere. Maryanne Gillespie, red apple coaching. I’m like literally everywhere. But I would suggest like, you know, follow me there. Because our plan for launching at grow abundance is like we’re literally in the funding stages right now. So we should have that wrapped up in about 60 days. And we’re gonna post all that stuff on our other social media sites first, and then we’re going to start to launch it. And then we’re going to be starting our application process to females to win their business ideas within the next 60 days, which I think is going to be super crazy. Awesome. I mean, I can’t even imagine what we’re gonna get for applications just to see what what some of these awesome business owners have the ideas that females visit, like I’m just to sit down. So we’re also assembling. We’re over the next 30 days, we’re gonna assemble our board of directors finally, and just make sure that everybody’s all these strong women who are going to help and get our coaches together. Amazing. Yeah, I’m excited.

 

Erwin  

Coach, thanks so much for doing this.

 

Mary-Anne  

Thank you. Thank you for having me. I mean, this is awesome. I mean, a little bit more serious this time, but I love it. I love it. And hopefully you know what, hopefully people get value from it. That’s it. Yeah, one little thing from these kinds of things, it changes everything.

 

Erwin  

I’d be disappointed if our 17 listeners are not inspired.

 

Mary-Anne  

I love it. I love it. Thank you

 

Erwin  

before you go if you’re interested in learning more about an alternative means of cash flowing like hundreds of other real estate investors have already, then sign up for my newsletter and you’ll learn of the next free demonstration webinar I’ll be delivering on the subject of stock hacking. It’s much improved demonstration over the one that I gave to my cousin chubby at Thanksgiving dinner in 2019. He now averages 1% cash flow per week, and he’s a musician by trade. As a real estate investor myself, I got into real estate for the cash flow but with the rising costs to operate a rental business, it’s just not the same as it was five to 10 years ago when I started there are forget the cash flow reduces your risk. The more you have, the more lumps you can absorb. And if you have none, or limited cash flow, you’re going to be paying out of your pocket like it did on a recent basement flood at my student rental in St. Catharines. Ontario. If you’re interested in learning more and register for free for my newsletter at www dot truth about real estate investing.ca. Enter your name and email address on the right side. We’ll include in the newsletter when we announce our next free stock hacker demonstration. Find out for yourself but so many real estate investors are doing to diversify and increase our cash flow. And if you can’t tell I love teaching and sharing this stuff.

 

 

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