And it just so happened, I discovered this on the day my daughter was born.

NOT exactly what any father-to-be wants to realize about themselves.

But let me start at the beginning:

Before I was the king of creative finance...

was a contractor.

A contractor who had decided (naively) to invest heavily into one of my client’s businesses...

Like.... to the tune of several million dollars 🤦

Now keep in mind – I was not born into money.

I had never had a lot of money in my life.

In fact, this investment was the first time I had ever tried to financially back a business that wasn’t my own.

And I sank every hard-earned cent I owned into it.

So fast forward a little bit: I’m excited.

I’m about to be a new father.

I’m finally able to make investments I believe will set me and my family up for life.

And then...

I get a letter from my client saying he’s declaring bankruptcy.

Meaning every dollar I had spent years working with my hands to scrape together?

Poof! Gone.

He was flat broke – and by extension?

I was flat broke.

And to make matters worse?

I got this letter the day my wife, Laura, went into labor with our baby girl, Corbyn.

I remember getting into the car to drive to the hospital,

And deciding I wasn’t going to tell her about the bankruptcy letter sitting in my passenger seat–

Because the mother of a newborn child doesn’t need to know that.

So I didn’t.

I celebrated our new baby girl like nothing was wrong.

But when we checked out of the hospital....

I put the cost of our medical bills on my credit card.

Which..... is why we almost named our baby “AMEX.”

So now I’m broke.

I have a new baby girl.

And my business is in shambles.

I could go back to what I know (contracting)...

But I know that’s not going to save us–not in time at least.

So I decided to pull out my final trump card:

A style of investing I barely understood called Creative Financing.

Man, it was uncomfortable.

I had nobody to guide me, no mentor to tell me what to do or how to do it.

I was already used to the “rise and grind” life...

But this???

This was the “rise, grind and make an absolute @$$ of yourself in front of sellers” –which bruises the ego a heck of a lot more.

But you know what?

Five years later, I figured it out.

I now own over 2,000 doors,

Have actually set my family up for life,

And have trained 13,000 students how to replicate my success...

But as long as I live, I’ll never forget what that period of my life was like.

The endless hours of work,

The embarrassment of failing,

The long, sleepless nights spent wondering if I was going to be able to keep a roof over my family’s heads.

It took falling flat on my face–hitting LITERAL rock bottom–before I was ready to pull myself up and seriously make something of my life.

And now I’ve made it my mission to pull others up with me.

But that’s enough about me...

Let’s talk about you.

If you’re inspired to join the SubTo mentorship, but you’re on the fence...

Let me just say: that’s completely valid.

Because let’s be honest...

It's a lot of money.

So if you’re wondering:

“Should I open a new credit card? Apply for a high interest loan??”

Or even go as far as selling my kidney on the black market to afford this??

My answer is, HELL NO.

Look–truth be told, the course itself is not worth you de-organing yourself.

But my COURSE is not what makes people hundreds of thousands of dollars when they succeed.

My COMMUNITY does that.

In fact, before the brand “SubTo” ever existed, I spent years building a real community.

See in my mind... I didn’t deserve the brand until the community was worthy of it.

And now this community is so FREAKING dialed in...

And the money you can make partnering with other community members (which is how 80% of my students do their first deal) is so solid, that realistically...

You can pay your tuition back on your first deal.

But the COMMUNITY?!

Priceless.

The other question you may be asking yourself is:

Can I actually learn what it takes to succeed?

I’m glad you’re asking yourself that–I’d be a little concerned if you weren’t.

Because creative finance is a new skill you’ll have to master, and it’s going to take you around 90 days to get your sea legs.

(Yes, some people do it on, like, their third day in the mentorship. We’re not talking about them.)

So if you’re afraid of feeling overwhelmed, all I can say is:

YOU WILL BE.

But it’s cool.

I still feel overwhelmed to this day.

Only difference is now....?

I’ve got 13k people to help me.

And you will too.

So there it is guys... My big why.

It's corny, it's cheesy, and you might not believe me but...

It's the truth.

This is my calling.

This is what I was put here to do.

I honestly believe I hit rock bottom for the sole purpose of being able to protect others from doing the same.

It is my mission to help you succeed.

But YOU have to take the first step.

Pace Morby