Ep. 25: How to Buy a Business with $0 to Your Name (Part 2)

Will and Matt celebrate their 25-episode milestone with an honest conversation on personal growth, faith, and the lessons learned over a decade of change. Matt reflects on shifting from a money-focused mindset to valuing relationships, authenticity, and long-term vision.

The main discussion dives into creative strategies for buying a business without upfront capital, including leveraging seller financing, structuring deals with banks, and identifying opportunities that balance cash flow and asset value. Using a real-life example of a profitable hauling company, Matt breaks down deal economics, risk management, and how to protect yourself in the process.

Along the way, the two share stories about service excellence, church attendance philosophies, and creating opportunities instead of waiting for them to appear. The episode concludes with a faith-centered reflection, featuring passages from the books of Matthew and John in the Bible, encouraging listeners to live with joy and presence.

0:00 – Quarter-Century Kickoff & Brain Development Banter
3:00 – Why Keep Reinventing Yourself
6:00 – Long-Term Bets and “Bamboo” Payoffs
9:00 – Bad Flight Attendant vs. Ritz-Carlton Service
12:00 – MEPS Check-In: Health, Spirit, and Calmness
15:00 – Church Attendance vs. Relationship with God
18:00 – Can You Really Buy with $0? Yes
21:00 – Valuation 101: Why Businesses Sell for More than 1× Earnings
24:00 – Debt, Leverage, and Personal Guarantee Risks
27:00 – The Hauling Business: Numbers and Fleet Risks
30:00 – Seller Note as “Equity” with the Bank
33:00 – Breaking Down the Payment Math
36:00 – Working Capital & What’s in the Asking Price
39:00 – An Alternative Partnership Structure
42:00 – “Create the Plan”: Mentor’s Million-Dollar Advice
45:00 – Life as a 10-Year Reflection & Don’t Get Soft
48:00 – Devotional Wrap-Up and Sign-Off

Link to watch on Youtube: https://youtu.be/MMilNm7p-Fk

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