ITF 68 | Financial Independence


Does experience always equate to success? Craig Curelop and Zeona McIntyre welcomes young entrepreneur, Chandler Saine, to talk about how he managed to be financially independent at 22. Chandler shares how seeing his dad venture into business and have more time for their family drove him to follow the same footsteps. Craig, Zeona, and Chandler also discuss the values they consider critical for a person to thrive in the business sector. Listen in as Chandler puts emphasis on his life struggles and how these gave him fuel to build his own name.

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Young Money: Being Financially Independent At 22 With Chandler Saine

What’s up, Zee?

What’s up? What is new in your investing world? Are you doing any deals? I’m curious how you’re wrapping up.

I am now focused on getting my ducks in a row. This is a big stabilized year for me. Most of my properties are stabilized. We are moving to Idaho. That’s an investment house hack type of thing. The investment is slow now for me. A couple of buddies and I are going to be getting into some multifamily syndications here shortly. We’re thinking between a multifamily and triple net lease. I’m looking at deals in each market and figuring out which way to go. My theme for 2022 is level up. Do you have a thing for next year, Zee? What’s up with you?

I have a super extended closing. I will believe it when I see it because this is going to be two months pretty much. I have a beach house that I’ve gotten in Panama City Beach. That’s going to be short-term rental like The Short Term Shop. If people know Avery Carl, that’s one of her markets. I’m going to give it a try, but feeling excited to have that in the New Year when spring is cracking and lacking. Those things are wild. They made $100,000 in five months and then slept the rest of the year.

I hear short-term rental is a tertiary vacation type markets are awesome. I know Avery Carl did a wonderful job. I’m excited to get updates on that one when it’s up and running. Speaking of up and running, we have a young runner on our show. Chandler Saine. The kid is a maniac. He does ultramarathons. He was a state champion in wrestling.

He has a super successful wholesaling business. He does $180,000 a month in gross profit and he built this in a couple of years. He’s going to dive in a little bit and tell us how he did that, what mindset, and how to push through those tough times. Everyone has got different ways and methods of pushing through tough times, but his is funny and entertaining. Let’s bring him on.

Chandler Saine, welcome to the show. How are you doing?

I’m good. It’s another day living the life. How about you?

It’s great to have you on here. We’ve chatted a lot, talked about you getting on, and you are the last person in our core group of Denver friends to get on the show. Congratulations. We saved the best for last.

I don’t know about all that, but I do appreciate it. It’s an honor to be part of Fi Guy community.

Why don’t you tell us where you got started in your journey? How did you first hear about financial Independence?

I speak from a different angle because I’m younger.

He doesn’t know big words yet.

I’m still learning. I never surpassed it. I would say that financial independence is never something that I fell into. It was the only option because when I was in middle school, my dad quit being a youth pastor, which he’d done for twenty years and he started his own business. My parents made good money I never had. It’s a struggle for anything, but once he started his own business, I saw the quality of life drastically improve over the next couple of years. I was able to see my dad and be around my family and all this stuff. I put the two together. I was like, “The only thing that changed is that he did his own thing.” He became an entrepreneur and that’s about it.

How old were you when your dad became an entrepreneur?

I remember I was in sixth grade because I was supposed to go to this fall retreat thing with the youth group that I’ve been waiting to go to for five years and then he quit the year I was able to go. I was pretty salty about it.

Do you still have some memory of him working a traditional job? What did he go on and do through your middle and high school years?

What he did was he started up his own landscape company. He’s in landscape construction. He started off cutting grass and it quickly progressed into much more lucrative opportunities like retaining walls and patios. That’s what I pretty much did all through high school because I worked for him building patios, retaining walls, and doing all kinds of landscapes stuff, which sucked. It was not too bad.

What does your dad pay you?

He paid me $10 an hour when I was fourteen. It’s not bad. When I was a freshman in high school, I thought I was crushing making $10 an hour because my friends weren’t making anything. By the time I was 16 or 17, I was making $15 an hour. I was running the crews and doing the jobs. I went and sold some jobs for him. I got paid commission, so I was good at that. I made more on that, but not a whole lot of money.

ITF 68 | Financial Independence
Financial Independence: A crucial element when you’re trying to find a partnership is making sure you have roles and responsibilities set out. If you have the same skills, you’re going to butt heads and run into each other.


I always think it’s fascinating when you start your middle and high school journey because that’s the foundation of the rest of your life. On those jobs, did your dad teach you anything? Even though he may not have meant to teach you something, but you saw him do it. Do you still remember that stuff?

The thing my dad taught me is the hard work and dedication. When you talk to people, all you’ve got to do is try to help them accomplish what they want, and good things will happen. He always had a good image. He always spoke to people the way that he treated people the right way. He always accomplished and was creative in ways they wanted to get out of their minds, and he made it a reality.

I’m in a mastermind group and they call it leading with generosity. That’s such a powerful way to start your business, where you’re not thinking about yourself, money, and this exchange of trying to sell something to somebody, but like, “What do they need? How can I serve them? Is this a good fit?” It then magically unfolds.

I agree with that completely. It even goes further than right when you start it. Every single day if you live that truly from the generosity side, it’s going to pay big dividends, especially when you expect nothing in return. Eventually, something great is going to come. It’s just when, but one of the things my dad taught me is that I never want to work for anyone. I hated working for my dad so much because he would tell me, “Stop getting mad at me and do all this stuff.” I’d have to come, slave away, and work hard for minimal returns, where I know he’s making way more. I’ll be like, “I could do the same stuff.”

This gives me a flashback of Rich Dad Poor Dad, your dad being a rich dad, even though he may not even have intentionally done it. Did you read that book? Did you draw any parallels? It’s like, “My dad is a pain in the ass. Maybe it was for a reason so I wouldn’t be stuck as a W-2 earner.”

I haven’t read it, but to draw some parallels there. At the end of the day, I wanted to go fast and do all these things and help him grow his business. That’s what I thought I was going to do is help him grow his business into multiple seven figures and go on from there. I want to do fast and I had big goals dreams. He was the opposite. It was always me going and him pulling me back. I was like, “No, this doesn’t make sense.”

When did that end? It sounds like through middle school and through high school, you were hustling, doing a lot of manual labor, which the work pays off. You come to school. I can see you sunburned. Where did you grow up?

In Jackson County, Georgia. It’s humid and hot. August sucks. You sweat all day.

It takes a certain amount of grit to get through that, which is something your dad instilled in you and you didn’t even realize it. When did the stuff with your dad end?

It ended when I was 19 or I might have turned 20, which was the winter, somewhere around there. That was my last summer working for him. I decided I got to do something different. I was looking at all kinds of stuff. I was like, “Should I do digital marketing or I was going to start my own landscape company?” I screw it. I already know how to do all this stuff. It’s easy. I can do it on my own, in another location because, at that time, I was going to school in Kennesaw, which is an hour and a half from where I live, but I’ll do it over here. It’s the same stuff I already know.

I know how to do everything. I’m going to sell jobs, bid jobs, fill-ins, and do all that work. I then bought a course for digital marketing and I was going to go in and do that. Facebook Ads for blue-collar people like my dad because I knew that they didn’t know how to generate their own leads. That’s what I was going to do. I bought this guy’s course for $2,000 on a funnel on YouTube. I was desperate. I was a motivated buyer and then once I bought it, I got sick for a month and I was down really bad. I could hardly walk upstairs. If you guys know me, I am in very good shape.

I run ultramarathons now. I’m running 30, 40, to 50-plus miles. I got done wrestling in college back then, so I’m used to extreme physical exercise. My buddy, Gino, who’s my partner now, hits me up and he goes, “I’m doing this thing for wholesaling.” I’m like, “That’s pretty sick.” I moved in with him. We started going and then the next thing we knew, that’s when we started doing wholesaling.

Did you pay the $2,000 and never watch a little video of that course because you got sick and forgot about it? What happened?

That’s exactly what happened. I paid for it. I bought it and I opened it up. I watched the intro video. Pretty much from there, I got so sick. It was like the snap of my fingers. I could hardly get out of bed and hardly walk upstairs.

You have to want to be the best thing in anything you put yourself in. Click To Tweet

Tell us what wholesaling appealed to you. What was the pitch your friend gave you?

He was like, “One, you do a deal and you make $15,000 later.” Two, my buddy is my age. His vision and my vision align with what we want to do. I want to do big and great things. I’m not here to poke things around and be average. That’s not what I’m about. He is the same way. It’s a no-brainer. I was like, “This is so much better than me doing it on my own because it’s lonely when you go on your own too.” It’s better always together.

Gino comes and pitches it to you. You guys have the same goals and vision. Do you guys have complementary skills? What is your skillset?

Our skills are very complimentary. Almost every single thing that I’m great at or I can see myself great at, he lacks and almost every single thing I lack, he’s great at. To give you an idea, he’s probably the best person at talking to people and is super creative. Am I bad at talking to people? No. Am I not creative at all? No. It’s not true, but it’s not my strongest suit. My strongest suits are analyzing numbers, process, organization, structure, and making decisions that are going to make a big impact. There’s a lot of things that go into that.

That is such a crucial element when you’re trying to find a partnership and you hear this all the time. If you’ve ever read the book Rocket Fuel or The Founder & The Force Multiplier, there’s always this visionary that has 9 million ideas, then there’s this analytics guy that says, “Pump the brakes. We can’t do all those. Let’s figure out what makes sense.” You need to have both of those people on your team. If you have the same skills, you’re going to butt heads and run into each other. Before you go into a partnership, make sure you have those roles and responsibilities set out. Did you guys stumble into that?

We took the integrator and visionary tests and stuff. We’re both sides of it. We share similar skills on both sides. For him, he’s amazing at relationship building, like big relationships. For example, we have a bunch of friends who do hundreds of deals a year. One of our buddies does $1 million a month. We text him up whenever, but if it was me, I’m not the one to go out and say, “Let’s go build this relationship,” because, “I’ll get it when I need it,” but Gino is the guy who was, “I might need it someday. I’m going to have it in my pocket.” For him, that’s one big thing for me. For me, I’ll make sure that I nurture those in the back-end thing.

Can you tell people a little bit about your process and what you guys are doing for people who don’t know what wholesaling is?

Wholesaling from a high level is very simplistic to teach a first grader is you talk to someone who wants to sell their house, you go under contract to buy their house. You have one line of verbiage in your contract. It was one paragraph. It’s an assignment language. It says that you can sell this contract to someone else. You find a buyer who is a flipper or investor, and you sell the rights that contract to them. You then coordinate closing the same day. You collect an assignment fee as part of the transaction. You connect them and you sell the contract essentially. You never buy real estate.

For wholesaling, it’s funny because many people start there. It’s one of the harder ways to do real estate. Why do you think people start in that? Is it a good way to get a quick cash deal?

It’s an easy and low-barrier entry. The barrier is high because it’s hard work, but once you get the work down, it’s a numbers game. I can tell you that if I texted 16,000 people, we’re going to get a deal and we’re going to make $25,000. It becomes the words, “That simple.” If we get six appointments, we get one contract. It works that way once you understand it. It’s very predictable. You can do it with very little money. You can learn and then move forward from there.

I suspect that you’re going to text and call a lot of people. You’re going to try to get these deals. I’ve got these calls and a lot of times. It’s a huge pain in the butt. It’s not personal, but how do you deal with all the denial. Is everyone saying no to you all the time?

It’s not that fun to get told no a million times. It’s like when you’re in the grind. You’re working out, and you’re like, “I’m doing this now because tomorrow, it’s going to make me better.” It’s the same thing. “I’m making this call because I know in 10 calls or 100 calls, I might get the chance to talk to someone.” We’re at a high level if you think about it. We’re getting all the people like you, Craig, out of the way, so we can find a person who needs our help. Those people who need our help, they’re like, “I’m facing foreclosure tomorrow or in a month. We got to have this done.” Those kinds of situations.

I always think that people that can wholesale will make incredible agents because what you do as an agent, you guys work even harder. Agents make so much money, so I wonder, have you thought about going that route? What are the things that appeal to you and don’t appeal to you? Is that not even crossed your mind?

I’ve never thought of being an agent. In our market in Atlanta, the average home price is $300,000. You make decent hits and maybe $9,000 a pop or so if you’re the full 3%. I could see how it would be a little bit more fruitful in Denver. For us, the margins make sense because we’ve been able to increase our deal size through some different exit strategies. We’re able to cut out the middleman of the flipper and provide a product straight to MLS for an off-market seller. We’re able to increase our deal size from $15,000 to almost $30,000 for a deal. That boosts the margins a lot.

ITF 68 | Financial Independence
Financial Independence: You want to learn to live with good pain because that good pain is just a part of growth.


The wholesaler got a better rep. I can’t say that I totally agree with it. Somewhere it’s shady. I always think of wholesalers as professional problem solvers. That’s the difference between an agent and a wholesaler. A wholesaler is trying to find someone who’s distressed and needs to sell that house quickly, not too many repairs or if you want to get top dollar and you want to sell your home, a real estate agent is probably a better way to go. Given the better rep that wholesalers have, how do you combat that? How are you different? How are you not a jerk wholesaler?

At the end of the day, we’re here to solve their problem. People come to us. Price is not something you’re ever going to be able to say or convince someone to sell their house for cheap. They have to be in dire circumstances. Think about, “You have to sell your used computer. I want to sell it quickly. In a couple of days, I’m going to sell it for 60% of what it’s worth.” It’s the easiest example because I did it. No one’s going to buy it for full price in one day. For that situation, people need it. They have to sell it. We’re able to solve their problems. A lot of times, these situations are like, “I don’t want anyone ever to come to the house. I never want anyone to do this.”

We got to overcome all those objections. Let’s say there are title problems. We got to help clean the title. We got to track down inherited people to sign this doc, that doc, and the attorneys leading to closing. We never have any sellers who are ever coming out of pocket at closing to answer your question. We made a $25,000 deal. Way back, out of pocket is $7,000 or $8,000 and we’re like, “No, we’re not going to do that.” We cut our margin down and made him come out of pocket zero at the closing.

They leave all their stuff at the house. These guys are hoarders. A lot of them are terrible hoarders. There’s stuff stacked to the ceiling. This one house, there was a goat path through the house and it was a stuffed stacked to the ceilings in a 2,000 square foot house everywhere. We cleaned that entire thing out and gave them one price, and they left. That was that. They don’t have to deal with any of that. The stuff we do is most people never realize it because it’s a little bit of dirty work. It’s the work that no one wants to do. No one wants to go clean out a house for this and that, but luckily, we have college friends who do that.

Let’s recap a little bit. You started working with your dad, which was shitty groundwork and then you run into Gino, you guys start chatting, and you start this wholesaling company. A lot of that is groundwork. That must have been something that you got from working with your dad, being able to do that groundwork and cleaning. That sounds horrible. Most of your properties have multiple owners, nonresponsive owners, title is not clean, or whatever, but you’re solving all of these problems.

Georgia is a title state. Getting a seller information sheet so we can get payoff is breaking your back most of the time.

What makes you decide that you want to go through with this and scale this business?

It is what we were doing and it made a lot of sense. It was a clear path. Also, at this point too, we don’t deal with any of that stuff either. We rarely talk to an attorney or talk to a seller if the problem is pretty bad. We were able to delegate it out quickly to where we don’t have to do it. We have this thing that we’re building and it’s able to spit out cash.

What systems do you have in place or people that make it easier? When you’re talking about texting 16,000 people, I tried to get my agents to text 100 people a week and that’s not possible sometimes. You have to have systems for that.

For texting, we use this thing called Launch Control, which we send 4,000 texts a day from it with some VAs from Venezuela. Together, our whole team is 24 people. We have several VA’s cold calling and texting, and we have a marketing director who managed our SEO, direct mail, our TV ads, and some other stuff. We have three appointment setters. We’re calling all the new leads qualifying them up.

We got three closers who can sign contracts. We got a dispo person and a dispo assistance that sold the contract to someone else. They make sure we get a seller agreement signed, so we’re not holding it or we don’t have to buy it ourselves. We have a transactional coordinator who deals with attorneys and cleaning titles. Other than that, we have a bunch of college friends who are in fraternities that go and clean houses out.

Are all these people on salary or do you pay them?

They’re mixed. It’s base and commission. Most people are on some revenue share and some base salary. That’s been the biggest challenge for us. Now we have all the people. It’s catching up the training for these people, where they’re operating at a high level. We have the people now and they’d be doing five times what we’re doing in revenue. For the short term, it sucks. The profitability is down, but in the long-term, once these people get trained up, it’s going to take off.

How do you go about training them? What’s your process?

When you match hard work with intelligence and strategy, that's a recipe for success. Click To Tweet

The biggest thing starts with having a consistent, simple process. There’s a super simple process when a lead comes in when dollars are sent out. We got to set an appointment. A lead is generated. You have to sell it at any level. It goes to appointment and the appointment is set. The appointment is someone who has a true motivation to sell, they need our help, and then they’re ready to make a decision. They’re actionable and they have motivation. Then we get a contract. We’re able to get an agreement put together to sell it. That means we’re able to match buyer and seller together. At that point, closing happens and we get paid.

Every piece of what you said has its own system. Do you have documentation on everything?

This is how I teach my team to make their own documents SOP. I made a bunch of them, but there are only so many things I can do in the day and I shouldn’t be spending my time making an SOP when they already know to do it. From a high level, what they’re doing is they take the fundamentals of the role for all their responsibilities.

Let’s say that they list out everything they’re responsible for. I tell them to group that into as few categories as possible. Usually, it’s 3 to 5 categories is about where it lands. Those are the core fundamentals of your role. Within those things, you break it down into subsets. This subset is the initial call, asking about the condition, the timeline, their motivation, all these different things that go into the videos, and documentation about it.

Within that, you’re able to train. That’s through your own boarding-type stuff. Once you get past that, you get the continued training. For our sales team, reviewing a call, going deep dive like, “You said this, this is the outcome you got. What if you had worded it this way? Do you think it would have been a different outcome?” Help them come to their own solution to where they could have figured it out and help them with their mindset. It’s a big challenge.

What part are you doing? Are you doing appointments? Are you not doing anything? You’re mostly overseeing and training.

I sit in the CFO role doing gap accounting but other than that, there’s a marketing department. We have a marketing director, a sales director, which is Gino, and then we have dispositions director, transactional director, and then we have finance, but I oversee those departments and that’s my job. I oversee them and train our directors to train the people under them.

You’re probably 4 or 5 steps ahead of someone that wants to get started. If someone wants to get started wholesaling tomorrow, what do you recommend the first thing they do?

We have three of the best guys on our team doing this. They came to us and said, “I want to start wholesaling, but I want to learn from you guys.” We’re like, “Give us a year of working with us. We’ll teach you everything we know. You make sales, you run it, and then you can go on your way if you want to at the end of the year.” We get a year-long commitment and then they learn everything from an operation that’s well-oiled.

We’re learning so much every day, but an operation that’s working. One of our guys is like, “I’m staying with you because you guys are amazing. I’m not leaving.” Another guy is thinking he’s going to leave in a couple of months because he wants to do it, but that’s what I would do. If I was starting over and had to go now and had no money, I would go and ask someone, “Can I work with you? Can I do run acquisitions or do whatever it takes to get a part of it?”

How do you convince them to pick you to help?

You always pitch yourself no matter what. You’re always selling something. For me, I sell myself every day and sell my ideas and reasoning to my team in why you should think this way or why you should change your mindset to have this more of a hardworking or go-getter. It’s the same thing. To find people, Facebook Groups, you DM a bunch of people in there. They’re all wholesaling. You can look up wholesaling in whatever city. Instagram is a great way. That is where I do all my stuff. I get DMs every single day of people messaging me and asking for stuff. Do something that makes you stand out.

You’ve got to provide some value. You can’t be there like, “Let’s go get coffee.” For me, that’s not going to do anything because my time is too valuable to go spend an hour and a half or two hours to go get coffee, but if you say, “Can I work for you? Are you hiring? Can I do sales calls for you? Can I do anything? Is there anything I can do with you?” You don’t say you’re going to get paid. Most people will pay you a commission. If you want to work for us, we’ll put you through our hiring process and get you onboarded.

Most people would love to have help. As far as how you get them to pick you is proof that you’re going to be successful no matter what. You’ve got that mentality. If I see someone who’s dedicated, hardworking, has the right mindset, you can call it the Mamba mentality or whatever. They’re going to crush it no matter what. It’s going to be a matter of time before they learn it. If you have all those things, someone who’s successful is going to notice that and pick you.

ITF 68 | Financial Independence
Financial Independence: You’re going to lose money; you’re going to destroy some relationships. People aren’t going to like you and it will be like throwing your suit of armor. But that’s life.


Long story short, the number one thing you’ve got to do is find someone that’s a few steps ahead of you. That’s already doing what you want to do because that’s who you learn from, and that’s it. Whether you want to wholesale, house hack, BRRRR flip, getting real estate, or whatever it is, find that mentor person and add value to them and they’ll mentor you back. Please do not ask them to be your mentor. Add value and then they’ll add value back. If you add value for free, that person is going to want to give everything to you as much as they can back.

For me, I see other people who are doing stuff. People come to me like, “Can we hop on a call? Can we do this? Can we do that?” I say, “Send me any questions you have.” I never get a reply. 1 out of 100 has sent me questions. The people who send me questions and I answer and I respect that. I’m like, “This guy has questions. The reason he has questions is because he’s doing something.” You wouldn’t have questions unless you’re doing something. I see you’re doing something and your questions get progressively more advanced and more complex in nature. I’m like, “This guy’s starting to crush it.” That’s another thing too.

People ask me all the time, “What is house hacking?” or all these things. I’m like, “I wrote a book for this very reason and it’s to educate people to get to a pretty basic level of understanding, so you should be able to do a house hack yourself.” If you’re in the middle of the house hack, you’ve got a specific question, you hit me up on Instagram, I always guarantee you, I’ll get back to you in a few days, but if you ask me these, “What’s house hacking or what’s the FHA loan?”

I’m going to refer you to my book. That’s why I wrote the book. I don’t want to sound a jerk, but I put hours of time into writing this book to answer those questions, but if you asked me that question, it means you don’t respect my time, which means you don’t respect me and makes me feel bad about you, so don’t ask super dumb questions. I want to figure out where do you want to go? You’re still early in the journey. I know you’ve scaled your wholesaling business quite a bit for your age, but what’s the goal? What do you want?

I love leading people and creating greatness, whether it’s myself or through things that I have a direct impact on. Anything I do and anything I put myself in, I’d always want to be the best. It is a thing that’s in my soul, from wrestling to sports to anything. For ours, a number goal by the end of 2023, where our goal is 2023 to do $1 million a month. That’s our goal for gross profit. Now, we’re around $180,000.

Hopefully, we’re able to get up to that number. We have the team to do it. We got to put some more things into place. Other goals, big picture, what we talked about all the time, the freedom to do whatever I want. If I want to work ten hours a day, I can do that. If I want to work zero, I can do it. To have that freedom and also be able to make the biggest impact possible.

When you say gross profit, what does that mean?

It’s whatever you net. If we did a flip, typical revenue and the transaction, most accountants see it. As you sell a house for $500,000 of revenue, but there was $370,000 of costs in there. Your gross profits are $130,000 in that scenario. That’s the money that goes into your bank.

It’s gross profit before your operational expenses.

I wanted to point out a link that I saw. It’s so interesting to see that you’re loving developing people. It seemed you took this from your dad, a youth leader who was bringing out the greatness of people but in more of a religious way. Do you feel connected to him in that way now that you’re doing this job and it’s not working for your dad?

My dad and I have a great relationship. We talk all the time. I never thought of that in that way because he was always my baseball coach when I was growing up. He always coached me. I noticed that at a young age. When I was sixteen, I was in high school and I was a state champion wrestler. Whenever I got to that level of being a state placer in high school, I started training some of my buddies. I took one of my friends from not even qualifying for a state to getting second the next year. I was like, “This is pretty cool.” I did it a couple more times. I got a couple of kids up to placing at state. I was like, “This is awesome.”

I love teaching people how to do things and get better and seeing them achieve what they will always want to achieve. That could be goals or financial stuff. One of my biggest talents and my biggest role is developing the team mentally, so their mindset is right. From a personal skills point of view, to help them get where they want to go, they’re aligned on their goals because it’s financial. It helps you get to that goal by financial Independence. Help them get to that financial independence goal by getting the company to the goals that we want to, so it’s all aligned.

You’re a state champion wrestler and you worked with your dad landscaping. How did you fit in the wrestling and the working and all that stuff?

Honestly, I was grinding. Mostly I would work in the summer for my dad and then I’d work during some other weekends if he needed help. During school, I broke my back also my junior year after states. I was out for six months. I was waking up at 4:30 AM working out for an hour and a half before school. I’d go to school. I had two and a half hours of gym class for the two periods of it back-to-back, where I’d work out, play basketball, and run.

You’ll get hit with battles but willpower will make everything else just fall into place. Click To Tweet

I practice every day for an hour and a half, and then some days I would go to a training center for an hour. I did that for eight months, where I was grinding all day. One of the things that makes me successful and whatever I do is that no one will outwork me, no matter what. You match hard work with intelligence and strategy. It’s a recipe for success.

Do you have any words of wisdom you want to drop on us?

The biggest thing would be, if you ever have any talent in yourself, you’ve got to push that out of the way because if you believe in yourself truly, no matter how much you feel it’s impossible, you will accomplish whatever you want. If you truly believe right here, then it’s going to happen. If you think you’re going to be a millionaire and you truly believe it, then you’ll be a millionaire. Think about it every day. Look at it every day. If you want to have financial freedom, whatever it is, it will happen as long as you truly believe.

Also, one thing on top of that, too, I got knocked down. I did an ultramarathon. The first one I ever did was a 50-miler in Fairplay, Colorado. It’s why I moved out here. I ran that race and I was 30 miles in. I finished 37 miles out of the 50 because I got knocked out by time. I didn’t truly believe before I went to the race that I could do it. It showed because I got broke mentally during the race. That lived with me for 1 or 2 weeks until I signed up for the next one because it ate me up so bad.

The next one, I was like, “I’m doing this. No doubt. No matter what. It was way harder because I hurt my foot and had to limp for the last 25 miles because I don’t know what happened, but I could hardly walk for two weeks after the race. I limped the last 25 miles to finish because I knew I could do it because that willpower and everything else fell into place. It still happens. You still get hit with those battles.

That’s the David Goggins thing, “When you think you can’t go anymore, you’re only 40% there.”

You’ve got to trick yourself into thinking that, too, because you feel you’re 100% done.

I’ve been getting confidence by I did a 10-mile run and it felt easy. I did an 80-mile bike ride. It felt easy. Those were my bouts of confidence where I was like, “I can do 80 or 112. If I can do 10, I can feel that it can be 26.” Is that what you do to build confidence or what is your way to build confidence yourself?

That’s all you need right there. It’s like, “If 10 was easy, I could get 20. If you can do it easy, I could do 112.” When you get to that point, it’s going to get hard and it’s going to probably get hard before you get to 80 miles on that bike. When you get to that point and you’re like, “Remember that time you did 80 and it was easy. Remember, you told yourself that 112 would be easy.”

Whenever I get to that point of like, “It’s tough.” When I’m in the right frame of mind and it sounds totally psychotic, but I’m calling myself the worst names. I was like, “You’re such a little and you’re such a,” all this over and over again. You get going again. You’re saying this in your head. It sounds crazy when I say it out loud, but I remember when I was finishing that last 25 miles saying, “This is the most pain you’ve ever been in your life and you love this shit. This is your favorite thing.” It’s completely psychotic.

You want to learn to live with that good pain because that good pain is a part of growth. Physically, it’s easy to see that whether it’s wrestling or racing, but when you’re on your real estate journey and you’re wholesaling or flipping, or whatever, you’re going to get hosed. You’re going to lose money. You’re going to destroy some relationships. People aren’t going to like you. It’s throwing your suit of armor because that’s life.

This 2021, we had probably $300,000 deals fall apart at the closing table and there’s nothing we can do about it.

Why don’t we head into the final four?

Chandler, what are you reading right now?

ITF 68 | Financial Independence
Financial Independence: Take where you’re at right now and where you want to go. And then figure out how to bridge the gap and just do stuff every day until you get there.


We read The Five Dysfunctions of a Team. I finished it. That, for us, was a very critical book. What we did was we went through the book. All of our leadership team, we read it, went through the exercises, and did everything. For me, that was super impactful.

I know you don’t read, but I know you’re an avid learner, so who are some of the people that you follow?

That’s another thing too, every day I learn something new. There’s never a day that goes by where I get worse. I’m on top of my advice. Learn something and get better. In some way, whether it’s financial business, personal, whatever, but who do I learn from? Alex Hormozi is the man. If you guys are not listening to him and you’re in the business world, you are burning money.

I learned from Real Estate Disruptors podcast, which is Steve Trang’s podcast. He has big-time investors on there all the time. Other than that, we’re in multiple masterminds. We spend a lot of money on masterminds. We were in one collective genius, GoBundance, if you guys are familiar with that, but mainly for real estate. You have to be doing 75 plus deals a year or a certain amount of revenue, so we’re in that. We got a couple more masterminds in Steve Trang’s mastermind, and there’s more than that and Sharper Process.

In short, Alex Hormozi is your main guy. You like the real estate podcast guys and then join masterminds. Join people that are doing what you want to do and being where you want to be. You said, “If you think a millionaire, you’ll be a millionaire,” but even more powerful than that is surrounding yourself with millionaires and you’ll be a millionaire.

It also comes to a point where podcasts information doesn’t come fast enough to where you listen to an hour of a podcast, you only learn one thing, but you can listen to an hour of a mastermind call and you can learn five. You’ve got to value your time at a certain point. How fast can I get this information? How fast we’re trying to go? For us, that’s why I don’t watch much stuff that’s not exclusive.

Second question, what is the best piece of advice you’ve ever received?

This one is not advice, but this is more of a situation. My freshman year in high school, I told my wrestling coach after my first-year wrestling, “I want to be a state champion as a senior.” The biggest thing that impacted my entire life and changed everything for me is he didn’t say, “That’s crazy. You can’t do that.” He said, “Let’s sit down and talk about how we can accomplish it.” That small shift and what he did for me was he went to dinner with my family and me. He’s like, “This is going to be one of the hardest things you’ve ever done, but here’s what you’ve got to do.”

He told me exactly what to do, the timelines I needed to hit to accomplish it, and all I did was do my daily actions to get there. For me, what that taught me and why that’s the amazing advice and amazing situation is that, if you want to accomplish it, it’s super simple. You take where you’re at right now, where you want to go, and then you figure out how to bridge the gap and then you do stuff every day, and you get there. For me, that’s the best advice.

The compound effect, you do a little bit every day and over the course of four years, you’ll be a lot better than you were.

Number three, what is your why?

I want to make the biggest impact possible. Touch as many people as possible. One of the things I wrote down is that I want to make 100 7-figure operators in the business in wholesaling. Teach 100 people to how to get their business to $100,000 a month. I got one guy who I’m mentoring one-on-one. I got lucky enough he asked me to do it. I believed in the guy. I taught him. Hopefully that he’s the first one, but that’s my goal. It’s to be able to teach people how to do it. Make a big impact.

It takes us right back around to the generosity thing. You’re not looking at how much money I can make. You’re looking at how I can get these people to these certain levels and by doing that, you’re going to be getting money out of it. The success comes back around.

Last question, what is the weirdest thing you’ve ever seen in someone else’s home?

If you believe in yourself, no matter how much you feel like it's impossible, you will accomplish whatever you want. Click To Tweet

There’s this gay couple. They sold their house to us. The husband or boyfriend died. I was one of the few sellers he talked to because there was some big issue. We went and cleaned out his house. I got a picture of this big old dildo, a massive one. That’s probably the weirdest thing. Another one, we’re going to buy a house in Fairplay. We went up there and, on the calendar, there was some ducklings and human body part in the container. That was pretty rough. Another time, there was no bathroom floor. There’s water and rats everywhere in the basement.

What do you mean there’s no floor?

There’s no floor in the bathroom. There’s a toilet and then there’s a tub and that’s it.

Where can people find out more about you?

The best way is to go to my Instagram at @ChandlerSaine. That’s where everything is at. I’m starting to post on YouTube now. If you’re in a wholesaling, I’m posting videos there. It’s going to be less beginner stuff and more general business stuff. That’s what I’m more into. You can see me on Instagram, the best place. We also have a Facebook Group too. That’s on my Instagram as well in my Linktree.

Chandler, thanks much for coming on the show. It was good chatting with you and we’ll see you soon.

I appreciate it. I love being here.

That was Chandler Saine.

It’s a great show in the sense that he talks about mindset a lot. He talks about being generous and developing people and how that can turn into something magical. Mindset is the way that more traditional business people talk about manifesting. That’s the woo-woo way of talking about it, but it’s true.

If you focus on that mindset of being a millionaire or if you’re focusing on it in that woo-woo way, but you’re writing about it and you’re visualizing it, it’s all the same thing. It’s going to take you to that place. Believing in yourself is a key move. He also gives a lot of knowledge about mentoring and how to go about getting a mentor and not getting a mentor. That’s something we talk about quite a bit and it’s good.

There’s a brilliant quote that we didn’t mention in the show that I love is, “If you go alone, you go fast. If you go together, you go far.” Don’t go in this alone. Go in with a partner or with a friend. By partner, I don’t mean he’s a partner in a deal together, but maybe you and a friend started house hacking at the same time. You can throw ideas off of each other or at least join a group of house hackers in your area or whatever. You have that camaraderie and you have the same problems. You can ask the questions and people have dealt with the problems that you’re having.

That would be my words of wisdom. If you’ve read this, please leave us a rating and review on iTunes. It means the world to us. Shoot us a DM on Instagram. If you liked the show, I’m at @TheFIGuy. Zeona is @ZeonaMcIntyre and we’d love to hear your feedback and we’re always looking to improve. Thank you so much.


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About Chandler Saine

ITF 68 | Financial IndependenceThis is Chandler, he is a 22 year old who wholesales real estate in Atlanta, Ga for the last 2 years. Some of his hobbies are ultra-running and traveling. A year ago, he dropped out of college to put full focus into growing the real estate team. In 2021, his wholesale company will more than double in revenue with a team of 22 people.