December 6, 2025 • 34 mins
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Johnny Lynum.
🎯 Purpose of the Interview
To share Johnny Lynum’s journey from military service to becoming a successful real estate investor and wealth advisor, and to educate listeners on building generational wealth through real estate, financial literacy, and strategic investing.
🗝️ Key Takeaways 1. Military Background & Transition
- Johnny Lynum is a retired Lieutenant Colonel in the U.S. Air Force, with 20 years of service as a developmental engineer and intelligence officer.
- His military career provided discipline and structure, but his passion for entrepreneurship led him to real estate investing.
2. Real Estate Journey
- Started with a VA loan to buy his first property.
- Built a portfolio of 115 doors worth over \$10 million, primarily in Panama City, Florida and Montgomery, Alabama.
- Leveraged his knowledge and connections to invest remotely while living in Northern Virginia.
3. Investment Philosophy
- Real estate is a tangible, relatable investment.
- Emphasizes leverage—using other people’s money to control larger assets.
- Advocates for buying back time through passive income strategies tailored to different life stages (30s, 40s, 50s).
- Encourages strategic investing and not just chasing instant gratification.
4. Books & Education
- Author of:
- Millionaire Real Estate Success Strategies: What They Forgot to Teach You in School
- Upcoming: The Financial Security Blueprint – focuses on biblical principles, alternative investments, and building lasting wealth.
- Offers free downloads of his book via johnnylynam.com/newbook.
5. Faith & Legacy
- Strong emphasis on faith and service.
- Inspired by his mother’s legacy planning and life insurance setup for her grandchildren.
- Focused on building generational wealth and educating his children and others.
6. Tax-Smart Investing
- Discusses strategies like bonus depreciation, oil and gas investments, and self-directed IRAs to minimize tax liabilities.
- Encourages understanding the IRS tax code to identify government-incentivized investment areas.
7. Building a Brand
- Active on LinkedIn, YouTube Shorts, and Facebook.
- Partnered with LinkedIn to create real estate content.
- Promotes financial literacy and faith-based wealth building.
💬 Notable Quotes
- “I had to go from broke Johnny to woke Johnny.”
- “You don’t have to be an expert at everything, but you can be the leader in the room.”
- “My God is a God of abundance.”
- “Real estate became my vehicle and my pathway to building wealth.”
- “You’re a blessing to your blessing.” — on generational wealth.
- “Success leaves clues.”
- “You have to take that leap of faith and take that action.”
📌 Final Thoughts
Johnny Lynum’s story is a powerful example of how discipline, faith, and strategic action can transform lives. His journey from humble beginnings and military service to building a multimillion-dollar real estate empire is both inspiring and instructive. He emphasizes the importance of education, mentorship, and legacy, making this interview a masterclass in wealth creation and purposeful living.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hi. I Rashan MacDonald hosts a weekly Money Making Conversation
Masterclass show. The interviews and information that this show provides
offer everyone It's time to start reading other people's success
stories and start living your own.
Speaker 2 (00:11):
I'm talking about you now.
Speaker 1 (00:13):
If you want to be a guest on my show,
please visit our website, Moneymakingconversations dot com.
Speaker 2 (00:19):
And click to be a guest button.
Speaker 1 (00:21):
If you're a small business owner, entrepreneur, motivational speaker in
Florida or nonprofit I want you on my show.
Speaker 2 (00:28):
Now, let's get started.
Speaker 1 (00:29):
My guess is a retired lieutenant colonel in the United
States Air Force who served twenty years as a developmental
engineer and intelligence officer. He is an author, philanthropist, season
real estate investor, and wealth advisor. He has over one
hundred and fifteen doors and his ten million dollar plus
real estate portfolio primarily located in Panama City, Florida and Alabama.
(00:54):
Please welcome to Money Making Conversations Masterclass. Johnny linem Hey,
Don Johnny doing great. Great to be here today, Okay,
John in Panama City of Florida, Alabama.
Speaker 2 (01:04):
Now where you at right now? So right now in
Northern Virginia, outside Washington, d C.
Speaker 1 (01:09):
That's where I want to find out. You're a long
way from your investments now, yeah, long way, long way.
Speaker 2 (01:14):
So how explained to my audience? How are you in Virginia?
Speaker 1 (01:18):
Got investments in Panama City of Florida, which is beautiful,
by the way, I've been that one of my favorite
beach areas in Alabama and we're about in Alabama.
Speaker 3 (01:26):
So Montgomery, Alabama specifically. But for me it was always
as moving around with the military and Air Force, not
really choosing where you were going to stay at. Always
went back home to Alabama, and that was my competitive advantage,
and it was always cheap, especially when we started looking
at Marcus Atlanta here DC that historically have been a
lot more expensive. But for me and kind of starting
(01:47):
out one house at the time, my wife and I
that we chose to kind of get back to Alabama
kind of helped the community there and become good stewards
there as well as you know, building wealth along the
way at the same time.
Speaker 1 (01:59):
Why this is real estate such a good investment?
Speaker 2 (02:03):
You know?
Speaker 3 (02:03):
For me, it was always it was it was the
tangible thing everyone could relate to home. We all stay
at home, whether we rent with whether we own we
stay in a home. And for me, it all started
with using my VA loan buy my first property. And
I got to check back at closing because it was
one hundred percent financing and it was three hundred dollars
cheaper than what I was paying for my mortgage and
for my excuse me, for my lease.
Speaker 2 (02:25):
And I was like, okay, what is this?
Speaker 3 (02:27):
And I started digging in and just seeing the power
of realists that you're seeing the Donald Trump's and all
the guys with the skyscrapers, and you started thinking, it's like, Okay,
I can do this too.
Speaker 2 (02:36):
Listen, let's dig into this a little bit more.
Speaker 3 (02:38):
And so real estate became my vehicle and my way,
my pathway to building wealth.
Speaker 1 (02:42):
And once I got ahold of it, I wouldn't let go.
Let's go back a minute, Johnny, because I always tell
people that before vision boards became the norm and all
those things, you know, I was just a dreamer and
I saw things that I didn't have, and I went,
that's what I want to have, not saying I could
afford it, but I went, that's what I want to
have in my life. You mentioned a name like a
(03:04):
Donald Trump, which is one of the big real estate
investors in this country among others. Okay, what was driving
you as a young man because you went into the
military real estate investment? What part of your dream? When
did you start transitioning to say, hey man, this is
where I can separate myself from the employee to the employer.
Speaker 2 (03:30):
That is a great question, and for me, it goes
back to my upbringing with my dad, my mom. My
dad was a pastor and small business owner.
Speaker 3 (03:38):
He had his own television and washing machine appliance repair business.
And even for myself, I had a call washing business
in high school. You know, the summer my freshman year,
you know, I was cutting grass, you know, making income,
making money, humble beginnings and so for me and seeing
his struggles as a solo entrepreneur and going through that process,
and once I bought my first home and saw how
(04:00):
that transaction went, and then I joined the local meetup
and seeing other guys that were doing it that no
smarter than me.
Speaker 2 (04:06):
Some of them didn't have a degree.
Speaker 3 (04:07):
To have an education like I had, but they had
information that I hadn't had. Even though I had a
literrical engineering degree, I didn't have a degree. When it
comes to finance, investing, credit score, right, those type.
Speaker 2 (04:18):
Of things that you need to build that foundation.
Speaker 1 (04:21):
You know, really that when I talk about the blue
prey for creating the lasting wealth in the community, you
just said it. Like minded professionals you got you can't,
like I said, you can't be the smartest room, the
smartest person in the room, and you're at one person
with the money. That doesn't translate to opportunity, right talk
to us. Yeah, No, you're in a cage. You think
(04:41):
about it. If you're the smartest person in the roomb,
it's collapsing on you. And I'm a true believer that
the Bible says iron sharpers iron, and you got to find.
Speaker 2 (04:49):
It iron in life.
Speaker 3 (04:50):
And I think one of the things you know with
like your podcast, you know everything that you're doing in
the community, and a lot of others out there, we
just got to gravitate to the information and start to
make an action because we have the access and we
have it not the only thing that we're lacking is
the action and the implementation.
Speaker 2 (05:06):
So why are you on this show now?
Speaker 1 (05:07):
You got ten million plus one hundred plus doors. You're
in Virginia, but you're living good in Alabama. You figured out,
hey man properly cheap there. Let me become a mogul
instead of trying to mogilize in DC, Atlanta, New York,
where your dollar is small down now your dollar big,
but it has to be still spent smart.
Speaker 2 (05:27):
Correct. So why are you on this show, Johnny?
Speaker 3 (05:29):
For me, as I retired here a few weeks ago
and looking at the next chapter in my life, and
that was one of the things over the last year,
really doing a lot of retrospect and looking back.
Speaker 2 (05:39):
It was like, how do I serve in another capacity?
Speaker 3 (05:42):
And for me, it's service and you know, being able
to help individuals become the best CEO of their last
thing is I like to say. And it was funny.
Now on the wealth devising side that I'm retired, I
met the founder right Time Financial affirm that I'm with
that's an independent black OneD firm in the DC area.
Speaker 2 (05:58):
But we met at a job there at Howard University.
Speaker 3 (06:01):
We were there with my consulting company that I have,
really educating and helping clients diversify outside of the stock
market and leverage real estate to build income, and he
had his advisory firm.
Speaker 2 (06:11):
We had the conversation and it was so the.
Speaker 3 (06:14):
Lord speaks through people like you know, a lot of
times we say that we can't hear how he's talking
to us, but he thinks he speaks to his word,
he speaks to other people. And when I heard his
mission and vision for the firm, I'm like, it's like
I'm talking to myself, right, And so I gravitated there
was an opportunity to come in to focus on larger
institutional real estate deals within the firm and help their clients,
and it was a natural alignment.
Speaker 2 (06:35):
But I think it always goes back to.
Speaker 3 (06:36):
Service and really building that legacy outside of just the
four walls of my own home, but being able to
be a good steward of the resources and pouring to
other people that need the information and are looking for
those opportunities that really weren't given to me growing up.
Speaker 2 (06:50):
And it was a struggle to get to that point, to.
Speaker 3 (06:53):
Get all the loans that it takes to be able
to sign on the dotted line to get approved for
the apartment complexes, and the getting the right cruise and
getting the right team, and so it's a journey, but
no one should have to go through their journey now
by themselves.
Speaker 2 (07:07):
Well, I think that's important.
Speaker 1 (07:08):
Now before we let me just re announce who I'm
talking to. Johnny Line them, line number. He's a retired
lieutenant colonel. Thank you for your service to us, brother,
because that's important that you be recognized for your twenty
years as a developmental engineering intelligence officer. He's also the
author I talk about that author. Now, I don't see
(07:28):
the books around you. Do you have something coming out?
Speaker 2 (07:31):
Yep?
Speaker 3 (07:32):
So the second was coming out. So second one wrote
the first one about three years ago. Millionaire real Estate
Success Strategies. What they forgot the teacher in school. I
had to play like that title.
Speaker 2 (07:41):
It was good. It was before GVT.
Speaker 3 (07:47):
Get that title, the first one to get millionaire real
estate success strategies.
Speaker 2 (07:51):
What they forgot to teach you in school.
Speaker 3 (07:53):
And it was my journey and you know from you know,
coming out of college and having to have a family
member signed on my first lease because my credit was
all missed up credit cards. They never told me that
I had to pay on time right then they gave
me in school and really just my journey in real estate,
but also the journey of thirty other investors, a lot
of them just like us. They found their way through
real estate and really capturing the struggles, the challenges, but
(08:15):
also the successes and really land those right along mind
and giving people hope and giving them the example that
they can do it too.
Speaker 2 (08:23):
And so that was really what that book was about.
Speaker 3 (08:25):
And my second one, the Financial Security Blueprint, is all
that's coming that's what's coming out, and that's what's coming out,
and that layers and it's a compilation of my personal story,
biblical truths when it comes to building wealth, and a
lot of the behind the scenes accelerators to wealth that
we don't talk about every day, like private equity, private credit,
alternative investments, multifamily real estate and how they can amplify
(08:49):
your portfolio and take them to the next level.
Speaker 2 (08:51):
And so that's what it really is about, is bringing
a really good.
Speaker 3 (08:54):
Intersection of all those things and helping people become the
best steward of their wealth that they have and building.
Speaker 2 (09:00):
The legacy long term.
Speaker 1 (09:01):
When you use the word equity, you know that's you know,
equity in your home. You know, people talk equity when
they trying to leverage business and start like, that's a
word that I used a lot on this show.
Speaker 2 (09:13):
Explain to us what equity means to you, it's ownership.
It's ownership.
Speaker 3 (09:18):
And you know, for those that may have a home
or another asset, it's the difference in the debt that
you have on the property and what the today's value
is that equity. And so for so many times, I
think for a lot of people, they don't necessarily focus
on equity that a lot of times we want to
cash the instant gratification, We want to sell everything. Now
take the capital and then go be a consumer versus
(09:39):
an investor. And I think really having that conversation about
equity and the percentages.
Speaker 2 (09:45):
Of equity where that you don't have to be a solo.
Speaker 3 (09:47):
Entrepreneur, a team of one, and just being able to
be a leader and bring others into the vision that
you have that have their own expertise, where now you
don't have to be an expert at everything, but you
can be the leader in the room and bring all
the resources together to make it happen.
Speaker 2 (10:02):
So where would they be able to buy the book?
Speaker 3 (10:04):
So the book will be coming out here in the
next two weeks and they can get it online. Johnny
line them dot com slash new book right there my website. Ye,
So Johnny line Them dot com Backslash New Book on
my website and they'll be able to get a copy.
And one of the things that really the Lord put
on my hard with it that for here for the
(10:26):
next few weeks, next few months, I'm gonna make it free.
Speaker 2 (10:28):
They can go on the website.
Speaker 3 (10:29):
Download it directly right there, get a PDF copy of it.
Because I'm really passionate about everyone getting the information and
then if they're serious about it and they want help
and then coming into the firm and we can help
them the education side. We have resources available available to
help them. And so for me is really getting the
word out there on the street.
Speaker 2 (10:46):
Now, you have a lot of layers.
Speaker 1 (10:47):
So your website Johnny line them dot com. Yes, sir, okay, cool?
On that website, one goes there. I know it's Slash
New Books, but what is the Johnny line them dot
com website?
Speaker 3 (11:01):
That's everything forward facing for me and my vision and
mission for what I stand for as individual and having
my name on that, and it's really on teaching other
individuals on how to become the student investor when you
start looking at real estate, but now more so wealth
in general, because there's so many ways to build wealth
that doesn't just have to be real estate, which was
(11:22):
my vehicle and my competitive advantage that I built up
over the years.
Speaker 2 (11:26):
But it could be a cookie business.
Speaker 3 (11:27):
It could be an HVAC business or electrical business on
plumber and so I think it's really just giving those
tools when you start thinking about business ownership, marketing, looking
at accounting, bookkeeping, those fundamentals that every business needs as
well as real estate that you need to start building wealth.
And so I think, really, Johnnylinum dot com is really
(11:48):
my blueprint and ability to kind of put my fingerprint
on America in a way to help people start building
legacy wealth across the board, whether it's real estate or not.
Speaker 2 (11:58):
I'm telling you, Johnny, I like you.
Speaker 1 (12:02):
You know what I'm saying when I say that means
that there's a likability about you. Do you do videos?
Do you you know? You're smart, You're articulate. Why are
you promoting Johnny Lanum? Great question, great question. Starting to
be consistent, more.
Speaker 3 (12:18):
Consistent now to have a little bit more time in
the day after retirement. But really, for me, YouTube shorts
really heavy on LinkedIn and really embrace LinkedIn. Over the
last six months to nine months, I actually have a
partnership with LinkedIn now. They reached out to me and
asked me to start curating more real estate centric content
that they're looking for. So that was really cool and
(12:39):
just opportunities.
Speaker 2 (12:40):
Ye.
Speaker 3 (12:42):
So yeah, so LinkedIn YouTube, Facebook as well too, and
really just getting the brand out there and getting the
information to others as well as you know, just really
for me, spreading the gospel and getting it out there
with people. Because one of the things that have really
convicted me is being more forthcoming with my faith because
right now where we are in America and society in general,
(13:03):
that a lot of times the negativity gets the microphone.
Speaker 2 (13:06):
It's it's the loudest voice in the room.
Speaker 3 (13:08):
And so for me, I'm really convicted now to lay
in my faith and everything that I do and let
others know that you know that I'm a proud believer
in Jesus Christ and everything that you see with me
is because of Him. It won because I was so brave.
It was his favorite mercy and blessings that I didn't learn.
They got me to where I'm at, where I'm at today.
Speaker 1 (13:26):
Okay, just what we're gonna do, Johnny, We're gonna We're
gonna we're gonna when I ask you the question, I
want you to repeat the question then answer, okay, because.
Speaker 2 (13:33):
We're gonna, we're gonna, I'm gonna take some work off
of you. Okay, I'm gonna ask you the.
Speaker 1 (13:37):
Question that where you can take it and chop it
up and you can just start laying it out there.
Speaker 2 (13:41):
Short, so good, Okay, cool.
Speaker 1 (13:44):
First question, buy back your time passive income strategy for
professionals in the thirties, forties, and fifties.
Speaker 2 (13:51):
Talk to me, buying back your time.
Speaker 3 (13:53):
Whether you're in your thirties, forties, fifties, it really looks
it looks the same when you're in those those different
age brackets, whether you're in the thirties, forties, or fifties.
But I think really you need to understand what is
your risk tolerance at those different age If you're in
the thirties, you need to be looking and focusing on
growth and long term asset appreciation so you're able to
take a little bit more risk. As you're in your forties,
(14:14):
you want to start a layering in some more some
risk adjusting, maybe annuities, some bonds, and really scale back
a lot of the growth where you can protect that
next step because you just don't have as many years
left if you have a downturn to recover, and as
you're get in your fifties, you really want to look
at and take a really good check where you may
have not appreciated in the thirties and forties.
Speaker 2 (14:33):
You may have to be a little bit more aggressive.
Speaker 3 (14:34):
But for those that were good stores over their resources
in the thirties, forties and fifties. In the fifties is
when you kind of scale it back, You take some
chips off the table, and you get ready to kind
of wind down and then go to that next chapter
in your life where you're kind of stepping back out
of the workforce and as they say, reaping the benefits
of your harvest.
Speaker 2 (14:51):
Please don't go anywhere.
Speaker 4 (14:52):
We'll be right back with more Money Making Conversations Masterclass.
Welcome back the Money Making Conversation Mastered last with me
Rashawn McDonald.
Speaker 2 (15:04):
Now that's that's which.
Speaker 1 (15:05):
Is really great because now you missed the twenties. Now
twenty gotta be that jump start period thirties forties.
Speaker 2 (15:16):
But I want to talk about fear.
Speaker 1 (15:20):
Because boy, that whole people get a check, they want
don't leave that job. They don't do want to invest.
You are talking about the millionaire mindset. How does a
person who's afraid of the money they make.
Speaker 2 (15:36):
Investing?
Speaker 1 (15:37):
Right?
Speaker 2 (15:37):
That's it, that's it.
Speaker 3 (15:39):
For me, I had to have that transformation before I
did all these great things like that questions.
Speaker 2 (15:44):
Yep, yep, you're right, you're right.
Speaker 3 (15:46):
As you're going through and really looking at the fear
and unpacking fear and how it impacts us as an investor.
Speaker 2 (15:51):
When we work so much, we work so hard.
Speaker 3 (15:54):
We trade all our time for money, and now you've
traded all those hours, it's extremely hard to put away
from that money and invest it, especially if you don't
have the knowledge. It seems risky for that individual, I
would say, you have to have that mindset shift. As
an investor's ninety percent psychological. It's all psychology. And for me,
I had to go from broke Johnny to woke Johnny
(16:15):
and really understand that there's a whole set of knowledge
that I had no access to, and just because I
grew up in poverty or I had limited resources, that
my God is a God of abundance and he's all
knowing and he has everything in his hand, and I
have to believe that, but that takes faith. And I
think it was Steve Harvey that said, you got to
jump off the clifford. You got to build your parachute
(16:35):
while you falling, like it's never going to just line
up perfect where you're gonna have one hundred percent of
the answers because if you had that when you wouldn't
need faith, if you knew exactly how it was gonna
play out. But you got to take that spotlight. That
flashlight is just one step at a time in the dark,
and just know that he's gonna put that he's gonna
god your steps and be right there with you in
the dark, and that it's all meant for your good.
Speaker 1 (16:55):
But they're telling is Johnny, thank you for coming on
the show money Making Conversation Master last what they never
taught us about money, bridging the gap between income and investing,
so for so for.
Speaker 2 (17:09):
So long we really focus.
Speaker 3 (17:10):
I know for me growing up, it was you go
get a good job, you pay, get put tempercent in
the bank, and don't.
Speaker 1 (17:16):
Do nothing saying come on now, brother, yeah, give me
the questions so we know what you're about to answer.
Speaker 2 (17:20):
I'm trying to be out there, brother.
Speaker 1 (17:22):
You are you are sometimes one more time, Okay. What
they never taught us about money bridging the gap between
income and investing.
Speaker 3 (17:32):
What they never taught us about money, really bridging the
gap between income and investing, and that intersection is critical
to build and wealth because for so long we really
go to school, they train us to just create income,
to go be an employee and have an employee mindset.
And when you make that transition from income to investing,
is now your money is working harder than you are.
(17:53):
Now you're not having to trade time for money. And
eventually your money's working hard enough where you don't have
to trade any of your time for income. And so
now you can go, whether it's a nonprofit or whether
it's a business that you want to just work in,
you'll do for free. You have that opportunity in that
time freedom now that those investments are working harder than
you are for that income.
Speaker 1 (18:14):
Millionaires Playbook, The Word Millionaire Millionaires players how to think, act,
and invest like they're wealthy. For somebody who feels they
don't have money, how does that work?
Speaker 3 (18:26):
For the Millionaire Playbook for those that aren't wealthy but
looking to achieve wealth and want to achieve that accomplishment.
Speaker 2 (18:35):
It really looks like.
Speaker 3 (18:38):
Hard work from really looking at it, starting at the
infancy stage and really looking at the ground floor. But
the thing is, there's nothing new under the sun when
you really think about it. It's really finding those successful
individuals that are successful in the areas of life that
you're striving to be and successfull leads clues and following
the same footsteps will lead you to the same and
(19:01):
so really it's getting around those like minded people, those
individuals that have found success as investors, as business owners,
as real estate investors, and really riding their hotel looking
at their success, reading their books, subscribing to their mastermize
their channels, the conversations that they're having, being in the
rooms where now you can get those clues and those
blueprints to success that you can mimic in your own life.
Speaker 2 (19:23):
To get you to where you want to be.
Speaker 1 (19:24):
And it's really a smart way you're talking because you
articulate like a blocks. That's what I'm saying is that
you know, when I'm hearing this interview, you just feed
me information, and I would like to believe the information
you feed the me is going to be received by
the people who listen.
Speaker 2 (19:40):
To this show. Now, real estate is the foundation. You've
been bridging real estate ten million plus.
Speaker 1 (19:47):
Your core your real estate in the Panama City, Florida area, Alabama,
that's where you're from now reside in Virginia. Real estate
is the foundation, but not the whole plan building wealth
across multiple verticals.
Speaker 3 (20:03):
Yes, for me, real estate has been the foundation with
building wealth across Alabama, Panama City, Florida, the areas that
I have lived and now reside in northern Virginia. That
is looking at how we can bring it all together.
That it's not the be all, but it's a peace.
And now when you're looking at vertically integrating those things,
you're looking at the private equity, the private credit, the
(20:26):
alternative investments with Golden Sacks. We had a conversation with
them earlier this week about their new private credit offering
that they have.
Speaker 2 (20:33):
And so now the mindset is.
Speaker 3 (20:36):
You know, how are the billionaires moving, how are the
multi millionaires moving? It's great And when you really look
at it, most millionaires get great at one thing. They
focus on a niche, they get world class at it,
they make a lot of money, and then you look
up and now it's time to diversify my portfolio and
see what else is out here. And so that's kind
of where I'm at now with really looking at those
different verticals on how you can bring that into your
(20:57):
portfolio and really operated as a family office and started
looking at building at legacy wealth. And I think the
critical part of that is the next generation making sure
they're educated.
Speaker 2 (21:06):
The kids are ready to.
Speaker 3 (21:07):
Go and they understand everything that's coming down with being
able to stand on top of my shoulders and their
mom's shoulders to.
Speaker 2 (21:14):
Kind of take the baton and take it to the next.
Speaker 1 (21:16):
Level, right right, you know, because the next level of
what this conversation is about, you know, and seeing your
resume and send your bio twenty years in the military.
Why twenty years in the military for you? Which was
the Air Force?
Speaker 2 (21:31):
Correct? Correct? Correct?
Speaker 3 (21:32):
Twenty years in the Air Force for me? When I started,
that wasn't necessarily goal I had. So it was funny.
I had an Army ROTC scholarship out of high school.
Right My dad was a Vietnam veteran, and going on
campus for the interview, he said, while you're there, talk
to the Air Force, see what they can do for you.
Speaker 2 (21:47):
So I'm like, Okay, I'm like, the Army said, they're
paying for me, you guys, rather worry about it. They
were good. So Dad was like, talk to the Air
Force and talk to the Air Force. They were like, hey,
we need more engineering majors. You come on campus.
Speaker 3 (22:00):
Campus was where university University of Alabama all the time.
Speaker 2 (22:05):
And I took them for their word.
Speaker 3 (22:08):
They said they would put me on a scholarship my
second semester of my freshman year.
Speaker 2 (22:11):
I had other academic scholarships. Thankfully, I took them for
the word. And the rest is history.
Speaker 3 (22:16):
And for me it was the money. But after coming
in serving the purpose change. It wasn't just all about
the money. The be it the camaraderie, the service aspect
of it, and the brotherhood that came with it. That
is what kept me to twenty years. And even after
that it started evolved. The last five six years. I
knew twenty years was going to be it just because
I had I could see the potential to be able
(22:37):
to serve in a larger capacity to impact moral lives
than just the ones that the Air Force chooses to
put around.
Speaker 1 (22:44):
You know, the tax man coming when you're making money,
and some people think they can avoid the tax process.
Speaker 2 (22:52):
But there's smart ways you can save.
Speaker 1 (22:55):
Let's talk about the tax smart investing that you are
ticketing a lot in.
Speaker 2 (23:01):
Your whole We go to the website. You find more
about it in your new book that's coming out. And
new book is titled.
Speaker 1 (23:06):
YEP, the Financial Security Blueprint, Cool and tax mart Investment.
How the wealthy build cash flow and keep more of
it something we don't do.
Speaker 2 (23:15):
Help us out, Johnny, Great, that's a great question.
Speaker 3 (23:18):
And really when you look at how the wealthy preserve
their wealth, and when you think about taxes, I know,
in the state of Virginia, we pay personal property tax.
You got property tax, you have sales tax, you have
the state income tax, you have a federal tax.
Speaker 2 (23:31):
And you look at like Georgia.
Speaker 3 (23:33):
Right, And when you look at it, it's like, hold,
I'm playing a lot of my income goes to taxes.
Speaker 2 (23:38):
And so how are the wealthy avoiding this challenge?
Speaker 3 (23:42):
And so you start looking at thers and if you
really want to understand where the government wants their money
and dollars to flow into, look the IRS tax code,
because they give tax breaks to incentiviize investors to invest
and put capital in those areas, for instance, real estate
and depreciation that comes with it is because the US
government doesn't want to be a housing provider because they're
(24:03):
horrible at it, and so they incentivize investors there.
Speaker 2 (24:06):
And so that's one aspect.
Speaker 3 (24:07):
You know, the one hundred percent bonus depreciation just got
made permanent, where you can depreciate all of the commercial buildings,
anything that has a use life of less than fifteen years.
You can take all that depreciation that in the past
you had to take over twenty seven and a half years.
You can take all that in one year and offset
income as well. As one of the things that I
(24:29):
really have gotten more exposed to the last year's oil
and gas is another one that's kind of limited for
a credited investors, but doctors, lawyer's, engineers, or whoever that's
making a large amount of income that they can make
an investment in oil and gas and they can offset
their gross income that same year without having to be
a passive investment. And so it's strategies like that that
(24:50):
the wealthier using to take those chips off the table
that will go to Uncle Sam and now they're putting
it in investment accounts or you know, you're looking at
i rais self directed investment accounts where now you can
use that rough component and it's growing tax free and
you're not having to worry about paying taxes on the
income you're putting in or the returns that you're building
over the next twenty ten, twenty thirty years.
Speaker 2 (25:12):
Wow, thank you for that articulated moment.
Speaker 1 (25:16):
The power of leverage using other people's money to build
your impire. What is your perspective on that, Johnny, great question.
Speaker 2 (25:25):
I think when you look at leverage and the power
of leverage.
Speaker 3 (25:28):
And how we can bring that into our lives, it
really allows you to amplify your returns because you're able
to take the little seed that you have and add
more to it.
Speaker 2 (25:39):
And one of the things that really appealed.
Speaker 3 (25:41):
To me with real estate was that leverage where I
can buy, say, for instance, a one hundred thousand dollars house,
I only have to bring twenty thousand dollars, but I
control one hundred thousand dollar asset, and now ten years
from now, when that one hundred thousand dollar house is
worth two hundred thousand dollars and I've been paying my
mortgage down, the bank doesn't prediction pay in that appreciation.
(26:01):
That extra one hundred thousand dollars of appreciation all goes
to meat. And so that's where that leverage comes in.
Because if you had to buy it outright for cash
and put one hundred thousand dollars down, you only made
one hundred thousand dollars return on one hundred thousand dollars,
that's only one hundred.
Speaker 2 (26:15):
Percent return in ten years.
Speaker 3 (26:16):
But if you only put twenty thousand dollars down and
you made one hundred thousand dollars down, now you.
Speaker 2 (26:21):
Five extra money. And so that's where.
Speaker 3 (26:23):
That leverage comes in, with being able to look smartly
because you can't take it and go out and buy
depreciating assets or you know, consuming things that aren't going
to go up in value. And so really taking a
look at how you can build leverage, whether it's in
real estate or it's in business, on whether you can
leverage someone else's expertise in time and their skills set
(26:43):
to come in to take your business to the next level.
A lot of people look at Apple and when we
think about Apple and the first name comes to mind
is Steve Jobs. But Steve Jobs didn't make the first backbook,
but he saw the vision and he had the experts
to bring in and now he took that product in
the vision and took it out to the world, and
now he stands alone.
Speaker 2 (27:04):
You know, he's synonymous with that brand.
Speaker 3 (27:07):
And so I think really just looking across the board,
because leverage comes in multiple ways and not just monetary
that you can leverage, whether it's people's time in the
business or people's expertise that you can leverage to take
whatever you're building to the next level.
Speaker 1 (27:19):
Well, you know, I was speaking to your special brother.
I guess it's a retired lieutenant colonel and the United
States Air Force who's served over twenty years as a
developmental engineer and intelligence office.
Speaker 2 (27:31):
Is your website Johnny lineum dot com. He's also an
author name of your book Millionaire Real Estate Success Strategies.
Speaker 3 (27:38):
Well, they forgot to teach you in school and soon
coming out the Financial Security beprint.
Speaker 2 (27:43):
I love it. I love it.
Speaker 1 (27:44):
From military to millions, building a generation or what is
what is generational wealth?
Speaker 3 (27:50):
It's with the spans just your lifetime. You know, when
I look back at the Bible, we say you're blessing
that you're blessing when you hand down assets to your
kids kids. And so for me, it's like looking at
you know, my mom, you know, did the best that
she could, working two jobs while I was.
Speaker 2 (28:04):
In college, but her setting up the life insurance policies, you.
Speaker 3 (28:07):
Know, God rest her soul, but setting that sea and saying, hey,
in her will, this is for my grandkids. And you know,
even things that I can remember, I thought she was crazy,
but I'm in college, but she's writing notes to her grandkids.
And because she could see the vision whether she was
going to be here or not, she wanted to bless
them and let them know that she thought about them
and that she was land the path for them to
(28:28):
walk and.
Speaker 2 (28:28):
Making a little bit easier.
Speaker 3 (28:30):
And so seeing that example is like, Okay, how could
you not be a good steward of the resources that
the Lord has blessed me with? And so now I'm
making decisions for my kids' kids and my oldest is twelve, twelve,
nine and seven, and so really, you know, it really
brings you to be present, to really focus in on
the most important things which are free in life. By
the way, that a lot of times, as we're talking
(28:51):
about wealth, that we sometimes forget about our health, we
forget about our family, the relationships around us, that we
have to keep a really good balance to make sure
that we are a holistic person at the end, because
the last thing you want to do is build up
a wealthy treasure and you're swimming around in money like
Scrooge McDuck and then you look back at you're by yourself.
That's no fun, right, And so for me, it's all
(29:12):
about the legacy, loving it and building life for my kids,
educating them and showing them what I'm doing and how
they can build, and just pour into them and really
pouring to others as well too, because I think the
legacy isn't just stopping with my kids, but I want
to help other people.
Speaker 2 (29:26):
So when I leave here for them to tell.
Speaker 3 (29:27):
Me, they're like, man, my life will not be where
it is today because of Johnny if you're not for him.
And so that's why I think that legacy really means.
Speaker 2 (29:34):
You know, Johnny.
Speaker 1 (29:35):
Earlier I talked about the Panama City, Florida area. You know,
ten million plus in real estate investments Alabama area. What
does that look like when somebody says those type of
investments are their homes? Are they buildings? Are they apartment?
What does that look like and how do you make
a decision on what to invest in?
Speaker 2 (29:56):
Early on?
Speaker 1 (29:57):
You just invested right then you become strategic talk to us.
Speaker 3 (30:01):
Yes, yes, that investment journey for me, it was extremely special.
Speaker 2 (30:05):
We started one house at a time.
Speaker 3 (30:07):
We did our first fixing flip Alexandria, Virginia twenty fifteen.
On that deal, my lender made more money than I did,
and that sent me back to Alabama. I was like, hey,
I can buy forty fifty thousand dollars house there and
make the same amount of money, if not more, And
so we started doing that. When we were in Panama City,
we got stationared the summer twenty seventeen, I got hit
with orders to deploy the Kuwait about three months on
(30:29):
the ground there and I got back and you know,
going through that process, you got six months, You're in
the gym, You're only working twelve hours a day, and
I was consuming a.
Speaker 2 (30:38):
Lot of real estate content.
Speaker 3 (30:39):
I hired my first virtual assistant in the Philippines, got
back on the ground ready to go, was doing our
director owner marketing and Hurricane Michael hit in October twenty eighteen,
category five hurricane that completely devastated the area. I thought
it was a setback after being deployed six months, ready
to come back get the business, going to Panama City
because that was the first time we were in a
(31:00):
really cheap, reasonably priced market to start buying homes and
not doing it virtually, but overnight it was. It was
a blessing that we had thousands of dilapidated homes that
people didn't want anymore and they were selling for pennies
on the dollar. And twenty nineteen we did twelve homes
that year in Panama City. Tore my ACL in May
of that year, got off crutches and I'm really big
(31:22):
professional development and found a multi family conference in Orlando
that fall. Went to the conference. Eric Thomas was one
of the guests. Thinkers there. Now we're in the room
mostly everyone's in there with suits. One too many people
that look like me in there. So I'm like, ET's
on the stage. Everybody's like, what's wrong with this guy?
What they put in his coffee? Because you know he's
gonna bring the energy. And so I engaged with him
(31:43):
on stage and I'll never forget that. He asked me
what was my number, and I said, hey, you know,
I would love to have two hundred k coming in
from apartments each year, and.
Speaker 2 (31:52):
Then he asked me about He's like, are you married?
How many kids? And so I had my wife and
three kids.
Speaker 3 (31:56):
He was like, you're gonna have He's like, okay, you
got to get apartment for your wife. You got to
get apartment for each one of the kids. What's their name.
We're gonna call this one Mackenzie. We're gonna call this
one Johnny. And when we left, when we left that scenario,
we was like, Hey, how long do you think you need?
Five years? And Lord and behold, I was able to
get five apartments in four years, put an offer in
on the first one. Forty five days later eighteen Union
(32:17):
in Panama City, Florida made up my first million dollar
offer that I made. We ended up splitting the difference,
and it was amazing because I had living in beliefs
that you had to have millions of dollars to go
and do this. But I had favored with the bank
already had done some things with them, and we got
the deal done. It appreciated over six hundred K and
less than two years. During COVID prices went crazy, and
(32:39):
after that we ended up buying four more apartment complexes
in Montgomery, Alabama in twenty twenty two, twenty twenty three,
and still on those and managing them. And you know,
we did a refinance earlier this year after adding about
five hundred thousand in renovations to the units.
Speaker 2 (32:53):
And it's just been a blessed journey that.
Speaker 3 (32:56):
Starring as a young country board three traffic allizers running
out dirt roads barefoot, that would have never been you know,
think the Lord would bring me to where I'm at today.
And so it's just been a great, blessed journey that
just starts one deal at a time that you just
have to take that leap of faith and take that
action and you never know where.
Speaker 2 (33:13):
You're going to end it.
Speaker 1 (33:14):
Special talent here Johnny Lineum, a retired lieutenant colonel in
the United States Air Force, has over one hundred and
fifteen doors, as he says, and ten million plus in
real estate portfolio across Panama City, Florida at Alabama. Johnny,
thank you for coming on Money Making Conversations, master class.
Speaker 2 (33:34):
Thank you.
Speaker 3 (33:35):
It's been an honor being here, truly blessed to be
here in your presence, and yeah, would love to be
a resource of how I can add value to you
in your community.
Speaker 1 (33:44):
You've given me resources brother, and now hopefully I've returned
to favor. We wrap up with discuss Thank you again
for coming on Money Making Conversations master Class.
Speaker 4 (33:52):
This has been another addition of Money Making Conversations Master
Class hosted by me Rashaan McDonald. Thank you to all
gains on the show today and thank you our listening audience. Now,
if you want to listen to any episode I want
to register to be a guest on my show, visit
Moneymakingconversations dot com. Our social media handle is money Making Conversations.
(34:15):
Join us next week and remember to always leave with
your gifts. Keep winning
Hi. I Rashan MacDonald hosts a weekly Money Making Conversation
Masterclass show. The interviews and information that this show provides
offer everyone It's time to start reading other people's success
stories and start living your own.
Speaker 2 (00:11):
I'm talking about you now.
Speaker 1 (00:13):
If you want to be a guest on my show,
please visit our website, Moneymakingconversations dot com.
Speaker 2 (00:19):
And click to be a guest button.
Speaker 1 (00:21):
If you're a small business owner, entrepreneur, motivational speaker in
Florida or nonprofit I want you on my show.
Speaker 2 (00:28):
Now, let's get started.
Speaker 1 (00:29):
My guess is a retired lieutenant colonel in the United
States Air Force who served twenty years as a developmental
engineer and intelligence officer. He is an author, philanthropist, season
real estate investor, and wealth advisor. He has over one
hundred and fifteen doors and his ten million dollar plus
real estate portfolio primarily located in Panama City, Florida and Alabama.
(00:54):
Please welcome to Money Making Conversations Masterclass. Johnny linem Hey,
Don Johnny doing great. Great to be here today, Okay,
John in Panama City of Florida, Alabama.
Speaker 2 (01:04):
Now where you at right now? So right now in
Northern Virginia, outside Washington, d C.
Speaker 1 (01:09):
That's where I want to find out. You're a long
way from your investments now, yeah, long way, long way.
Speaker 2 (01:14):
So how explained to my audience? How are you in Virginia?
Speaker 1 (01:18):
Got investments in Panama City of Florida, which is beautiful,
by the way, I've been that one of my favorite
beach areas in Alabama and we're about in Alabama.
Speaker 3 (01:26):
So Montgomery, Alabama specifically. But for me it was always
as moving around with the military and Air Force, not
really choosing where you were going to stay at. Always
went back home to Alabama, and that was my competitive advantage,
and it was always cheap, especially when we started looking
at Marcus Atlanta here DC that historically have been a
lot more expensive. But for me and kind of starting
(01:47):
out one house at the time, my wife and I
that we chose to kind of get back to Alabama
kind of helped the community there and become good stewards
there as well as you know, building wealth along the
way at the same time.
Speaker 1 (01:59):
Why this is real estate such a good investment?
Speaker 2 (02:03):
You know?
Speaker 3 (02:03):
For me, it was always it was it was the
tangible thing everyone could relate to home. We all stay
at home, whether we rent with whether we own we
stay in a home. And for me, it all started
with using my VA loan buy my first property. And
I got to check back at closing because it was
one hundred percent financing and it was three hundred dollars
cheaper than what I was paying for my mortgage and
for my excuse me, for my lease.
Speaker 2 (02:25):
And I was like, okay, what is this?
Speaker 3 (02:27):
And I started digging in and just seeing the power
of realists that you're seeing the Donald Trump's and all
the guys with the skyscrapers, and you started thinking, it's like, Okay,
I can do this too.
Speaker 2 (02:36):
Listen, let's dig into this a little bit more.
Speaker 3 (02:38):
And so real estate became my vehicle and my way,
my pathway to building wealth.
Speaker 1 (02:42):
And once I got ahold of it, I wouldn't let go.
Let's go back a minute, Johnny, because I always tell
people that before vision boards became the norm and all
those things, you know, I was just a dreamer and
I saw things that I didn't have, and I went,
that's what I want to have, not saying I could
afford it, but I went, that's what I want to
have in my life. You mentioned a name like a
(03:04):
Donald Trump, which is one of the big real estate
investors in this country among others. Okay, what was driving
you as a young man because you went into the
military real estate investment? What part of your dream? When
did you start transitioning to say, hey man, this is
where I can separate myself from the employee to the employer.
Speaker 2 (03:30):
That is a great question, and for me, it goes
back to my upbringing with my dad, my mom. My
dad was a pastor and small business owner.
Speaker 3 (03:38):
He had his own television and washing machine appliance repair business.
And even for myself, I had a call washing business
in high school. You know, the summer my freshman year,
you know, I was cutting grass, you know, making income,
making money, humble beginnings and so for me and seeing
his struggles as a solo entrepreneur and going through that process,
and once I bought my first home and saw how
(04:00):
that transaction went, and then I joined the local meetup
and seeing other guys that were doing it that no
smarter than me.
Speaker 2 (04:06):
Some of them didn't have a degree.
Speaker 3 (04:07):
To have an education like I had, but they had
information that I hadn't had. Even though I had a
literrical engineering degree, I didn't have a degree. When it
comes to finance, investing, credit score, right, those type.
Speaker 2 (04:18):
Of things that you need to build that foundation.
Speaker 1 (04:21):
You know, really that when I talk about the blue
prey for creating the lasting wealth in the community, you
just said it. Like minded professionals you got you can't,
like I said, you can't be the smartest room, the
smartest person in the room, and you're at one person
with the money. That doesn't translate to opportunity, right talk
to us. Yeah, No, you're in a cage. You think
(04:41):
about it. If you're the smartest person in the roomb,
it's collapsing on you. And I'm a true believer that
the Bible says iron sharpers iron, and you got to find.
Speaker 2 (04:49):
It iron in life.
Speaker 3 (04:50):
And I think one of the things you know with
like your podcast, you know everything that you're doing in
the community, and a lot of others out there, we
just got to gravitate to the information and start to
make an action because we have the access and we
have it not the only thing that we're lacking is
the action and the implementation.
Speaker 2 (05:06):
So why are you on this show now?
Speaker 1 (05:07):
You got ten million plus one hundred plus doors. You're
in Virginia, but you're living good in Alabama. You figured out,
hey man properly cheap there. Let me become a mogul
instead of trying to mogilize in DC, Atlanta, New York,
where your dollar is small down now your dollar big,
but it has to be still spent smart.
Speaker 2 (05:27):
Correct. So why are you on this show, Johnny?
Speaker 3 (05:29):
For me, as I retired here a few weeks ago
and looking at the next chapter in my life, and
that was one of the things over the last year,
really doing a lot of retrospect and looking back.
Speaker 2 (05:39):
It was like, how do I serve in another capacity?
Speaker 3 (05:42):
And for me, it's service and you know, being able
to help individuals become the best CEO of their last
thing is I like to say. And it was funny.
Now on the wealth devising side that I'm retired, I
met the founder right Time Financial affirm that I'm with
that's an independent black OneD firm in the DC area.
Speaker 2 (05:58):
But we met at a job there at Howard University.
Speaker 3 (06:01):
We were there with my consulting company that I have,
really educating and helping clients diversify outside of the stock
market and leverage real estate to build income, and he
had his advisory firm.
Speaker 2 (06:11):
We had the conversation and it was so the.
Speaker 3 (06:14):
Lord speaks through people like you know, a lot of
times we say that we can't hear how he's talking
to us, but he thinks he speaks to his word,
he speaks to other people. And when I heard his
mission and vision for the firm, I'm like, it's like
I'm talking to myself, right, And so I gravitated there
was an opportunity to come in to focus on larger
institutional real estate deals within the firm and help their clients,
and it was a natural alignment.
Speaker 2 (06:35):
But I think it always goes back to.
Speaker 3 (06:36):
Service and really building that legacy outside of just the
four walls of my own home, but being able to
be a good steward of the resources and pouring to
other people that need the information and are looking for
those opportunities that really weren't given to me growing up.
Speaker 2 (06:50):
And it was a struggle to get to that point, to.
Speaker 3 (06:53):
Get all the loans that it takes to be able
to sign on the dotted line to get approved for
the apartment complexes, and the getting the right cruise and
getting the right team, and so it's a journey, but
no one should have to go through their journey now
by themselves.
Speaker 2 (07:07):
Well, I think that's important.
Speaker 1 (07:08):
Now before we let me just re announce who I'm
talking to. Johnny Line them, line number. He's a retired
lieutenant colonel. Thank you for your service to us, brother,
because that's important that you be recognized for your twenty
years as a developmental engineering intelligence officer. He's also the
author I talk about that author. Now, I don't see
(07:28):
the books around you. Do you have something coming out?
Speaker 2 (07:31):
Yep?
Speaker 3 (07:32):
So the second was coming out. So second one wrote
the first one about three years ago. Millionaire real Estate
Success Strategies. What they forgot the teacher in school. I
had to play like that title.
Speaker 2 (07:41):
It was good. It was before GVT.
Speaker 3 (07:47):
Get that title, the first one to get millionaire real
estate success strategies.
Speaker 2 (07:51):
What they forgot to teach you in school.
Speaker 3 (07:53):
And it was my journey and you know from you know,
coming out of college and having to have a family
member signed on my first lease because my credit was
all missed up credit cards. They never told me that
I had to pay on time right then they gave
me in school and really just my journey in real estate,
but also the journey of thirty other investors, a lot
of them just like us. They found their way through
real estate and really capturing the struggles, the challenges, but
(08:15):
also the successes and really land those right along mind
and giving people hope and giving them the example that
they can do it too.
Speaker 2 (08:23):
And so that was really what that book was about.
Speaker 3 (08:25):
And my second one, the Financial Security Blueprint, is all
that's coming that's what's coming out, and that's what's coming out,
and that layers and it's a compilation of my personal story,
biblical truths when it comes to building wealth, and a
lot of the behind the scenes accelerators to wealth that
we don't talk about every day, like private equity, private credit,
alternative investments, multifamily real estate and how they can amplify
(08:49):
your portfolio and take them to the next level.
Speaker 2 (08:51):
And so that's what it really is about, is bringing
a really good.
Speaker 3 (08:54):
Intersection of all those things and helping people become the
best steward of their wealth that they have and building.
Speaker 2 (09:00):
The legacy long term.
Speaker 1 (09:01):
When you use the word equity, you know that's you know,
equity in your home. You know, people talk equity when
they trying to leverage business and start like, that's a
word that I used a lot on this show.
Speaker 2 (09:13):
Explain to us what equity means to you, it's ownership.
It's ownership.
Speaker 3 (09:18):
And you know, for those that may have a home
or another asset, it's the difference in the debt that
you have on the property and what the today's value
is that equity. And so for so many times, I
think for a lot of people, they don't necessarily focus
on equity that a lot of times we want to
cash the instant gratification, We want to sell everything. Now
take the capital and then go be a consumer versus
(09:39):
an investor. And I think really having that conversation about
equity and the percentages.
Speaker 2 (09:45):
Of equity where that you don't have to be a solo.
Speaker 3 (09:47):
Entrepreneur, a team of one, and just being able to
be a leader and bring others into the vision that
you have that have their own expertise, where now you
don't have to be an expert at everything, but you
can be the leader in the room and bring all
the resources together to make it happen.
Speaker 2 (10:02):
So where would they be able to buy the book?
Speaker 3 (10:04):
So the book will be coming out here in the
next two weeks and they can get it online. Johnny
line them dot com slash new book right there my website. Ye,
So Johnny line Them dot com Backslash New Book on
my website and they'll be able to get a copy.
And one of the things that really the Lord put
on my hard with it that for here for the
(10:26):
next few weeks, next few months, I'm gonna make it free.
Speaker 2 (10:28):
They can go on the website.
Speaker 3 (10:29):
Download it directly right there, get a PDF copy of it.
Because I'm really passionate about everyone getting the information and
then if they're serious about it and they want help
and then coming into the firm and we can help
them the education side. We have resources available available to
help them. And so for me is really getting the
word out there on the street.
Speaker 2 (10:46):
Now, you have a lot of layers.
Speaker 1 (10:47):
So your website Johnny line them dot com. Yes, sir, okay, cool?
On that website, one goes there. I know it's Slash
New Books, but what is the Johnny line them dot
com website?
Speaker 3 (11:01):
That's everything forward facing for me and my vision and
mission for what I stand for as individual and having
my name on that, and it's really on teaching other
individuals on how to become the student investor when you
start looking at real estate, but now more so wealth
in general, because there's so many ways to build wealth
that doesn't just have to be real estate, which was
(11:22):
my vehicle and my competitive advantage that I built up
over the years.
Speaker 2 (11:26):
But it could be a cookie business.
Speaker 3 (11:27):
It could be an HVAC business or electrical business on
plumber and so I think it's really just giving those
tools when you start thinking about business ownership, marketing, looking
at accounting, bookkeeping, those fundamentals that every business needs as
well as real estate that you need to start building wealth.
And so I think, really, Johnnylinum dot com is really
(11:48):
my blueprint and ability to kind of put my fingerprint
on America in a way to help people start building
legacy wealth across the board, whether it's real estate or not.
Speaker 2 (11:58):
I'm telling you, Johnny, I like you.
Speaker 1 (12:02):
You know what I'm saying when I say that means
that there's a likability about you. Do you do videos?
Do you you know? You're smart, You're articulate. Why are
you promoting Johnny Lanum? Great question, great question. Starting to
be consistent, more.
Speaker 3 (12:18):
Consistent now to have a little bit more time in
the day after retirement. But really, for me, YouTube shorts
really heavy on LinkedIn and really embrace LinkedIn. Over the
last six months to nine months, I actually have a
partnership with LinkedIn now. They reached out to me and
asked me to start curating more real estate centric content
that they're looking for. So that was really cool and
(12:39):
just opportunities.
Speaker 2 (12:40):
Ye.
Speaker 3 (12:42):
So yeah, so LinkedIn YouTube, Facebook as well too, and
really just getting the brand out there and getting the
information to others as well as you know, just really
for me, spreading the gospel and getting it out there
with people. Because one of the things that have really
convicted me is being more forthcoming with my faith because
right now where we are in America and society in general,
(13:03):
that a lot of times the negativity gets the microphone.
Speaker 2 (13:06):
It's it's the loudest voice in the room.
Speaker 3 (13:08):
And so for me, I'm really convicted now to lay
in my faith and everything that I do and let
others know that you know that I'm a proud believer
in Jesus Christ and everything that you see with me
is because of Him. It won because I was so brave.
It was his favorite mercy and blessings that I didn't learn.
They got me to where I'm at, where I'm at today.
Speaker 1 (13:26):
Okay, just what we're gonna do, Johnny, We're gonna We're
gonna we're gonna when I ask you the question, I
want you to repeat the question then answer, okay, because.
Speaker 2 (13:33):
We're gonna, we're gonna, I'm gonna take some work off
of you. Okay, I'm gonna ask you the.
Speaker 1 (13:37):
Question that where you can take it and chop it
up and you can just start laying it out there.
Speaker 2 (13:41):
Short, so good, Okay, cool.
Speaker 1 (13:44):
First question, buy back your time passive income strategy for
professionals in the thirties, forties, and fifties.
Speaker 2 (13:51):
Talk to me, buying back your time.
Speaker 3 (13:53):
Whether you're in your thirties, forties, fifties, it really looks
it looks the same when you're in those those different
age brackets, whether you're in the thirties, forties, or fifties.
But I think really you need to understand what is
your risk tolerance at those different age If you're in
the thirties, you need to be looking and focusing on
growth and long term asset appreciation so you're able to
take a little bit more risk. As you're in your forties,
(14:14):
you want to start a layering in some more some
risk adjusting, maybe annuities, some bonds, and really scale back
a lot of the growth where you can protect that
next step because you just don't have as many years
left if you have a downturn to recover, and as
you're get in your fifties, you really want to look
at and take a really good check where you may
have not appreciated in the thirties and forties.
Speaker 2 (14:33):
You may have to be a little bit more aggressive.
Speaker 3 (14:34):
But for those that were good stores over their resources
in the thirties, forties and fifties. In the fifties is
when you kind of scale it back, You take some
chips off the table, and you get ready to kind
of wind down and then go to that next chapter
in your life where you're kind of stepping back out
of the workforce and as they say, reaping the benefits
of your harvest.
Speaker 2 (14:51):
Please don't go anywhere.
Speaker 4 (14:52):
We'll be right back with more Money Making Conversations Masterclass.
Welcome back the Money Making Conversation Mastered last with me
Rashawn McDonald.
Speaker 2 (15:04):
Now that's that's which.
Speaker 1 (15:05):
Is really great because now you missed the twenties. Now
twenty gotta be that jump start period thirties forties.
Speaker 2 (15:16):
But I want to talk about fear.
Speaker 1 (15:20):
Because boy, that whole people get a check, they want
don't leave that job. They don't do want to invest.
You are talking about the millionaire mindset. How does a
person who's afraid of the money they make.
Speaker 2 (15:36):
Investing?
Speaker 1 (15:37):
Right?
Speaker 2 (15:37):
That's it, that's it.
Speaker 3 (15:39):
For me, I had to have that transformation before I
did all these great things like that questions.
Speaker 2 (15:44):
Yep, yep, you're right, you're right.
Speaker 3 (15:46):
As you're going through and really looking at the fear
and unpacking fear and how it impacts us as an investor.
Speaker 2 (15:51):
When we work so much, we work so hard.
Speaker 3 (15:54):
We trade all our time for money, and now you've
traded all those hours, it's extremely hard to put away
from that money and invest it, especially if you don't
have the knowledge. It seems risky for that individual, I
would say, you have to have that mindset shift. As
an investor's ninety percent psychological. It's all psychology. And for me,
I had to go from broke Johnny to woke Johnny
(16:15):
and really understand that there's a whole set of knowledge
that I had no access to, and just because I
grew up in poverty or I had limited resources, that
my God is a God of abundance and he's all
knowing and he has everything in his hand, and I
have to believe that, but that takes faith. And I
think it was Steve Harvey that said, you got to
jump off the clifford. You got to build your parachute
(16:35):
while you falling, like it's never going to just line
up perfect where you're gonna have one hundred percent of
the answers because if you had that when you wouldn't
need faith, if you knew exactly how it was gonna
play out. But you got to take that spotlight. That
flashlight is just one step at a time in the dark,
and just know that he's gonna put that he's gonna
god your steps and be right there with you in
the dark, and that it's all meant for your good.
Speaker 1 (16:55):
But they're telling is Johnny, thank you for coming on
the show money Making Conversation Master last what they never
taught us about money, bridging the gap between income and investing,
so for so for.
Speaker 2 (17:09):
So long we really focus.
Speaker 3 (17:10):
I know for me growing up, it was you go
get a good job, you pay, get put tempercent in
the bank, and don't.
Speaker 1 (17:16):
Do nothing saying come on now, brother, yeah, give me
the questions so we know what you're about to answer.
Speaker 2 (17:20):
I'm trying to be out there, brother.
Speaker 1 (17:22):
You are you are sometimes one more time, Okay. What
they never taught us about money bridging the gap between
income and investing.
Speaker 3 (17:32):
What they never taught us about money, really bridging the
gap between income and investing, and that intersection is critical
to build and wealth because for so long we really
go to school, they train us to just create income,
to go be an employee and have an employee mindset.
And when you make that transition from income to investing,
is now your money is working harder than you are.
(17:53):
Now you're not having to trade time for money. And
eventually your money's working hard enough where you don't have
to trade any of your time for income. And so
now you can go, whether it's a nonprofit or whether
it's a business that you want to just work in,
you'll do for free. You have that opportunity in that
time freedom now that those investments are working harder than
you are for that income.
Speaker 1 (18:14):
Millionaires Playbook, The Word Millionaire Millionaires players how to think, act,
and invest like they're wealthy. For somebody who feels they
don't have money, how does that work?
Speaker 3 (18:26):
For the Millionaire Playbook for those that aren't wealthy but
looking to achieve wealth and want to achieve that accomplishment.
Speaker 2 (18:35):
It really looks like.
Speaker 3 (18:38):
Hard work from really looking at it, starting at the
infancy stage and really looking at the ground floor. But
the thing is, there's nothing new under the sun when
you really think about it. It's really finding those successful
individuals that are successful in the areas of life that
you're striving to be and successfull leads clues and following
the same footsteps will lead you to the same and
(19:01):
so really it's getting around those like minded people, those
individuals that have found success as investors, as business owners,
as real estate investors, and really riding their hotel looking
at their success, reading their books, subscribing to their mastermize
their channels, the conversations that they're having, being in the
rooms where now you can get those clues and those
blueprints to success that you can mimic in your own life.
Speaker 2 (19:23):
To get you to where you want to be.
Speaker 1 (19:24):
And it's really a smart way you're talking because you
articulate like a blocks. That's what I'm saying is that
you know, when I'm hearing this interview, you just feed
me information, and I would like to believe the information
you feed the me is going to be received by
the people who listen.
Speaker 2 (19:40):
To this show. Now, real estate is the foundation. You've
been bridging real estate ten million plus.
Speaker 1 (19:47):
Your core your real estate in the Panama City, Florida area, Alabama,
that's where you're from now reside in Virginia. Real estate
is the foundation, but not the whole plan building wealth
across multiple verticals.
Speaker 3 (20:03):
Yes, for me, real estate has been the foundation with
building wealth across Alabama, Panama City, Florida, the areas that
I have lived and now reside in northern Virginia. That
is looking at how we can bring it all together.
That it's not the be all, but it's a peace.
And now when you're looking at vertically integrating those things,
you're looking at the private equity, the private credit, the
(20:26):
alternative investments with Golden Sacks. We had a conversation with
them earlier this week about their new private credit offering
that they have.
Speaker 2 (20:33):
And so now the mindset is.
Speaker 3 (20:36):
You know, how are the billionaires moving, how are the
multi millionaires moving? It's great And when you really look
at it, most millionaires get great at one thing. They
focus on a niche, they get world class at it,
they make a lot of money, and then you look
up and now it's time to diversify my portfolio and
see what else is out here. And so that's kind
of where I'm at now with really looking at those
different verticals on how you can bring that into your
(20:57):
portfolio and really operated as a family office and started
looking at building at legacy wealth. And I think the
critical part of that is the next generation making sure
they're educated.
Speaker 2 (21:06):
The kids are ready to.
Speaker 3 (21:07):
Go and they understand everything that's coming down with being
able to stand on top of my shoulders and their
mom's shoulders to.
Speaker 2 (21:14):
Kind of take the baton and take it to the next.
Speaker 1 (21:16):
Level, right right, you know, because the next level of
what this conversation is about, you know, and seeing your
resume and send your bio twenty years in the military.
Why twenty years in the military for you? Which was
the Air Force?
Speaker 2 (21:31):
Correct? Correct? Correct?
Speaker 3 (21:32):
Twenty years in the Air Force for me? When I started,
that wasn't necessarily goal I had. So it was funny.
I had an Army ROTC scholarship out of high school.
Right My dad was a Vietnam veteran, and going on
campus for the interview, he said, while you're there, talk
to the Air Force, see what they can do for you.
Speaker 2 (21:47):
So I'm like, Okay, I'm like, the Army said, they're
paying for me, you guys, rather worry about it. They
were good. So Dad was like, talk to the Air
Force and talk to the Air Force. They were like, hey,
we need more engineering majors. You come on campus.
Speaker 3 (22:00):
Campus was where university University of Alabama all the time.
Speaker 2 (22:05):
And I took them for their word.
Speaker 3 (22:08):
They said they would put me on a scholarship my
second semester of my freshman year.
Speaker 2 (22:11):
I had other academic scholarships. Thankfully, I took them for
the word. And the rest is history.
Speaker 3 (22:16):
And for me it was the money. But after coming
in serving the purpose change. It wasn't just all about
the money. The be it the camaraderie, the service aspect
of it, and the brotherhood that came with it. That
is what kept me to twenty years. And even after
that it started evolved. The last five six years. I
knew twenty years was going to be it just because
I had I could see the potential to be able
(22:37):
to serve in a larger capacity to impact moral lives
than just the ones that the Air Force chooses to
put around.
Speaker 1 (22:44):
You know, the tax man coming when you're making money,
and some people think they can avoid the tax process.
Speaker 2 (22:52):
But there's smart ways you can save.
Speaker 1 (22:55):
Let's talk about the tax smart investing that you are
ticketing a lot in.
Speaker 2 (23:01):
Your whole We go to the website. You find more
about it in your new book that's coming out. And
new book is titled.
Speaker 1 (23:06):
YEP, the Financial Security Blueprint, Cool and tax mart Investment.
How the wealthy build cash flow and keep more of
it something we don't do.
Speaker 2 (23:15):
Help us out, Johnny, Great, that's a great question.
Speaker 3 (23:18):
And really when you look at how the wealthy preserve
their wealth, and when you think about taxes, I know,
in the state of Virginia, we pay personal property tax.
You got property tax, you have sales tax, you have
the state income tax, you have a federal tax.
Speaker 2 (23:31):
And you look at like Georgia.
Speaker 3 (23:33):
Right, And when you look at it, it's like, hold,
I'm playing a lot of my income goes to taxes.
Speaker 2 (23:38):
And so how are the wealthy avoiding this challenge?
Speaker 3 (23:42):
And so you start looking at thers and if you
really want to understand where the government wants their money
and dollars to flow into, look the IRS tax code,
because they give tax breaks to incentiviize investors to invest
and put capital in those areas, for instance, real estate
and depreciation that comes with it is because the US
government doesn't want to be a housing provider because they're
(24:03):
horrible at it, and so they incentivize investors there.
Speaker 2 (24:06):
And so that's one aspect.
Speaker 3 (24:07):
You know, the one hundred percent bonus depreciation just got
made permanent, where you can depreciate all of the commercial buildings,
anything that has a use life of less than fifteen years.
You can take all that depreciation that in the past
you had to take over twenty seven and a half years.
You can take all that in one year and offset
income as well. As one of the things that I
(24:29):
really have gotten more exposed to the last year's oil
and gas is another one that's kind of limited for
a credited investors, but doctors, lawyer's, engineers, or whoever that's
making a large amount of income that they can make
an investment in oil and gas and they can offset
their gross income that same year without having to be
a passive investment. And so it's strategies like that that
(24:50):
the wealthier using to take those chips off the table
that will go to Uncle Sam and now they're putting
it in investment accounts or you know, you're looking at
i rais self directed investment accounts where now you can
use that rough component and it's growing tax free and
you're not having to worry about paying taxes on the
income you're putting in or the returns that you're building
over the next twenty ten, twenty thirty years.
Speaker 2 (25:12):
Wow, thank you for that articulated moment.
Speaker 1 (25:16):
The power of leverage using other people's money to build
your impire. What is your perspective on that, Johnny, great question.
Speaker 2 (25:25):
I think when you look at leverage and the power
of leverage.
Speaker 3 (25:28):
And how we can bring that into our lives, it
really allows you to amplify your returns because you're able
to take the little seed that you have and add
more to it.
Speaker 2 (25:39):
And one of the things that really appealed.
Speaker 3 (25:41):
To me with real estate was that leverage where I
can buy, say, for instance, a one hundred thousand dollars house,
I only have to bring twenty thousand dollars, but I
control one hundred thousand dollar asset, and now ten years
from now, when that one hundred thousand dollar house is
worth two hundred thousand dollars and I've been paying my
mortgage down, the bank doesn't prediction pay in that appreciation.
(26:01):
That extra one hundred thousand dollars of appreciation all goes
to meat. And so that's where that leverage comes in.
Because if you had to buy it outright for cash
and put one hundred thousand dollars down, you only made
one hundred thousand dollars return on one hundred thousand dollars,
that's only one hundred.
Speaker 2 (26:15):
Percent return in ten years.
Speaker 3 (26:16):
But if you only put twenty thousand dollars down and
you made one hundred thousand dollars down, now you.
Speaker 2 (26:21):
Five extra money. And so that's where.
Speaker 3 (26:23):
That leverage comes in, with being able to look smartly
because you can't take it and go out and buy
depreciating assets or you know, consuming things that aren't going
to go up in value. And so really taking a
look at how you can build leverage, whether it's in
real estate or it's in business, on whether you can
leverage someone else's expertise in time and their skills set
(26:43):
to come in to take your business to the next level.
A lot of people look at Apple and when we
think about Apple and the first name comes to mind
is Steve Jobs. But Steve Jobs didn't make the first backbook,
but he saw the vision and he had the experts
to bring in and now he took that product in
the vision and took it out to the world, and
now he stands alone.
Speaker 2 (27:04):
You know, he's synonymous with that brand.
Speaker 3 (27:07):
And so I think really just looking across the board,
because leverage comes in multiple ways and not just monetary
that you can leverage, whether it's people's time in the
business or people's expertise that you can leverage to take
whatever you're building to the next level.
Speaker 1 (27:19):
Well, you know, I was speaking to your special brother.
I guess it's a retired lieutenant colonel and the United
States Air Force who's served over twenty years as a
developmental engineer and intelligence office.
Speaker 2 (27:31):
Is your website Johnny lineum dot com. He's also an
author name of your book Millionaire Real Estate Success Strategies.
Speaker 3 (27:38):
Well, they forgot to teach you in school and soon
coming out the Financial Security beprint.
Speaker 2 (27:43):
I love it. I love it.
Speaker 1 (27:44):
From military to millions, building a generation or what is
what is generational wealth?
Speaker 3 (27:50):
It's with the spans just your lifetime. You know, when
I look back at the Bible, we say you're blessing
that you're blessing when you hand down assets to your
kids kids. And so for me, it's like looking at
you know, my mom, you know, did the best that
she could, working two jobs while I was.
Speaker 2 (28:04):
In college, but her setting up the life insurance policies, you.
Speaker 3 (28:07):
Know, God rest her soul, but setting that sea and saying, hey,
in her will, this is for my grandkids. And you know,
even things that I can remember, I thought she was crazy,
but I'm in college, but she's writing notes to her grandkids.
And because she could see the vision whether she was
going to be here or not, she wanted to bless
them and let them know that she thought about them
and that she was land the path for them to
(28:28):
walk and.
Speaker 2 (28:28):
Making a little bit easier.
Speaker 3 (28:30):
And so seeing that example is like, Okay, how could
you not be a good steward of the resources that
the Lord has blessed me with? And so now I'm
making decisions for my kids' kids and my oldest is twelve, twelve,
nine and seven, and so really, you know, it really
brings you to be present, to really focus in on
the most important things which are free in life. By
the way, that a lot of times, as we're talking
(28:51):
about wealth, that we sometimes forget about our health, we
forget about our family, the relationships around us, that we
have to keep a really good balance to make sure
that we are a holistic person at the end, because
the last thing you want to do is build up
a wealthy treasure and you're swimming around in money like
Scrooge McDuck and then you look back at you're by yourself.
That's no fun, right, And so for me, it's all
(29:12):
about the legacy, loving it and building life for my kids,
educating them and showing them what I'm doing and how
they can build, and just pour into them and really
pouring to others as well too, because I think the
legacy isn't just stopping with my kids, but I want
to help other people.
Speaker 2 (29:26):
So when I leave here for them to tell.
Speaker 3 (29:27):
Me, they're like, man, my life will not be where
it is today because of Johnny if you're not for him.
And so that's why I think that legacy really means.
Speaker 2 (29:34):
You know, Johnny.
Speaker 1 (29:35):
Earlier I talked about the Panama City, Florida area. You know,
ten million plus in real estate investments Alabama area. What
does that look like when somebody says those type of
investments are their homes? Are they buildings? Are they apartment?
What does that look like and how do you make
a decision on what to invest in?
Speaker 2 (29:56):
Early on?
Speaker 1 (29:57):
You just invested right then you become strategic talk to us.
Speaker 3 (30:01):
Yes, yes, that investment journey for me, it was extremely special.
Speaker 2 (30:05):
We started one house at a time.
Speaker 3 (30:07):
We did our first fixing flip Alexandria, Virginia twenty fifteen.
On that deal, my lender made more money than I did,
and that sent me back to Alabama. I was like, hey,
I can buy forty fifty thousand dollars house there and
make the same amount of money, if not more, And
so we started doing that. When we were in Panama City,
we got stationared the summer twenty seventeen, I got hit
with orders to deploy the Kuwait about three months on
(30:29):
the ground there and I got back and you know,
going through that process, you got six months, You're in
the gym, You're only working twelve hours a day, and
I was consuming a.
Speaker 2 (30:38):
Lot of real estate content.
Speaker 3 (30:39):
I hired my first virtual assistant in the Philippines, got
back on the ground ready to go, was doing our
director owner marketing and Hurricane Michael hit in October twenty eighteen,
category five hurricane that completely devastated the area. I thought
it was a setback after being deployed six months, ready
to come back get the business, going to Panama City
because that was the first time we were in a
(31:00):
really cheap, reasonably priced market to start buying homes and
not doing it virtually, but overnight it was. It was
a blessing that we had thousands of dilapidated homes that
people didn't want anymore and they were selling for pennies
on the dollar. And twenty nineteen we did twelve homes
that year in Panama City. Tore my ACL in May
of that year, got off crutches and I'm really big
(31:22):
professional development and found a multi family conference in Orlando
that fall. Went to the conference. Eric Thomas was one
of the guests. Thinkers there. Now we're in the room
mostly everyone's in there with suits. One too many people
that look like me in there. So I'm like, ET's
on the stage. Everybody's like, what's wrong with this guy?
What they put in his coffee? Because you know he's
gonna bring the energy. And so I engaged with him
(31:43):
on stage and I'll never forget that. He asked me
what was my number, and I said, hey, you know,
I would love to have two hundred k coming in
from apartments each year, and.
Speaker 2 (31:52):
Then he asked me about He's like, are you married?
How many kids? And so I had my wife and
three kids.
Speaker 3 (31:56):
He was like, you're gonna have He's like, okay, you
got to get apartment for your wife. You got to
get apartment for each one of the kids. What's their name.
We're gonna call this one Mackenzie. We're gonna call this
one Johnny. And when we left, when we left that scenario,
we was like, Hey, how long do you think you need?
Five years? And Lord and behold, I was able to
get five apartments in four years, put an offer in
on the first one. Forty five days later eighteen Union
(32:17):
in Panama City, Florida made up my first million dollar
offer that I made. We ended up splitting the difference,
and it was amazing because I had living in beliefs
that you had to have millions of dollars to go
and do this. But I had favored with the bank
already had done some things with them, and we got
the deal done. It appreciated over six hundred K and
less than two years. During COVID prices went crazy, and
(32:39):
after that we ended up buying four more apartment complexes
in Montgomery, Alabama in twenty twenty two, twenty twenty three,
and still on those and managing them. And you know,
we did a refinance earlier this year after adding about
five hundred thousand in renovations to the units.
Speaker 2 (32:53):
And it's just been a blessed journey that.
Speaker 3 (32:56):
Starring as a young country board three traffic allizers running
out dirt roads barefoot, that would have never been you know,
think the Lord would bring me to where I'm at today.
And so it's just been a great, blessed journey that
just starts one deal at a time that you just
have to take that leap of faith and take that
action and you never know where.
Speaker 2 (33:13):
You're going to end it.
Speaker 1 (33:14):
Special talent here Johnny Lineum, a retired lieutenant colonel in
the United States Air Force, has over one hundred and
fifteen doors, as he says, and ten million plus in
real estate portfolio across Panama City, Florida at Alabama. Johnny,
thank you for coming on Money Making Conversations, master class.
Speaker 2 (33:34):
Thank you.
Speaker 3 (33:35):
It's been an honor being here, truly blessed to be
here in your presence, and yeah, would love to be
a resource of how I can add value to you
in your community.
Speaker 1 (33:44):
You've given me resources brother, and now hopefully I've returned
to favor. We wrap up with discuss Thank you again
for coming on Money Making Conversations master Class.
Speaker 4 (33:52):
This has been another addition of Money Making Conversations Master
Class hosted by me Rashaan McDonald. Thank you to all
gains on the show today and thank you our listening audience. Now,
if you want to listen to any episode I want
to register to be a guest on my show, visit
Moneymakingconversations dot com. Our social media handle is money Making Conversations.
(34:15):
Join us next week and remember to always leave with
your gifts. Keep winning
Hosts And Creators
Steve Harvey
Shirley Strawberry
Thomas "Nephew Tommy" Miles
Carla Ferrell
Kier "Junior" Spates
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