The Zach and Pat Show | Podcast in RSS.com

The Zach and Pat Show

The Zach and Pat Show

di Zach Fagas, Patrick Doyle

Imprenditoria Relazioni genitoriali

Why We WANT to Lose Money in 1 Out of 50 Houses | Chad Klaman

Chad Klamen's family has been in real estate for over 100 years. Great-grandfather, grandfather, father — all house flippers. Nobody pushed him into it. His dad barely mentioned it at the dinner table. So Chad went and got a corporate job, made $70,000 with a company car, decided he'd made it — and got fired. He traveled Southeast Asia, came home, and asked his dad for a job. His dad said no: you know nothing about real estate, you know nothing about St. Louis, you just got fired and then traveled the world. Go figure it out and bring something to the company. So he did. He cold-called the richest real estate guys in St. Louis, landed with one of them, and spent two years walking into shopping centers and nail salons in a suit in the middle of summer getting told to get out. Today he closes 75 houses a year and is on pace for 100. This one is the whole operation, out loud. The buy box. The 56-day cash conversion cycle. Why 25% gets wholesaled, 50% gets whole-tailed and only 25% gets a full rehab. Why $100,000 houses have $100,000 problems. Why they cap rehabs at $75,000. And the line most investors will never say on camera: they WANT to lose money on one out of every fifty houses, because if they never lose one they aren't being aggressive enough on the buy. It's also three brothers and a father in one business, and the consultant they hired to teach them how to talk to each other. Pat gets into what working with family cost him — and why cutting his own business from $40 million a year to $20 million made him better at all of it. If you want to know what the flipping business actually looks like from the inside, this is it.

He Started With $240 and His Mom’s Car | Tommy Marciano

Tommy Marciano started with $240 in his pocket and his mom's car. He'd seen a Gary Vee video about flipping stuff from garage sales, spent $40 of that $240 on his first buy, went home and called himself an idiot. He was too intimidated by eBay shipping to ever learn it — so he started meeting strangers at QuikTrip to do $3 deals and accidentally built a local Facebook following instead. Today Tommy Trades runs 52 auctions a year, pickups every Saturday, junk removal, moving, and some weekends he buys fifteen storage units at once. This one is the whole machine, out loud. How storage-unit auctions actually work and why they open at $10. Why he goes to garage sales for marketing, not inventory. The $2,250 buy from a couple of seventy-year-old bikers in Maplewood that turned into $15,000 inside a week. The hoarder house in Sunset Hills. The human skull. The $50,000 in gold somebody says they pulled out of his dumpster — and why he genuinely does not care. It's also the parts nobody puts on Instagram: operating scared the entire time, seven bulging discs and pressing furniture overhead anyway, standing outside his own warehouse at 4 a.m. getting a job application from the guy stealing from him. Why anime is a better model for manhood than American TV. Why he thinks prioritizing money is the stupidest thing you can do in business. Japan alone for a month, skydiving in Moab behind an 80-year-old and an amputee, and Bob at Missouri Coin — who was given up for dead, hallucinated his way to the top of a mountain, and got kicked off it by Jesus. If you've got $240 and no idea where to start, this one's for you.

He Turned a $60 Million Bank Into $200 Million — Then Sold It... | Joe Stewart

At 45, Joe Stewart flew to Florida for what he was told was a team meeting. It was not. His father's investor group had decided to sell the bank holding company Joe was running — and nobody had told him. Eleven years later he walked away from a bank he'd grown from $60 million to over $200 million, on his own terms, at his own price. This episode is the whole arc: how a 20-year-old who wanted to work on the New York Stock Exchange became the entire collections department of a small Missouri bank by accident, how he clawed his way to owning the smallest bank in the group, and then exactly — step by step — how you sell a company. The investment banker. The two years of cleaning up financials so you're "the prettiest girl at the dance." Fifteen buyers down to ten, down to six, down to two. Highest and best. And the day the wire finally hits, which he describes as one part celebration and one part memorial. Joe also gets into what most people get wrong about money — good debt versus bad debt, why "you don't want to be a slave to a payment," why your business should carry its own debt, and why just because you qualify for it doesn't mean you should sign for it. Plus 2008, PPP, flying a plane home from Oshkosh with a dead alternator, and why he steered both of his kids away from the business he spent his life in. If you own something you'll eventually have to sell — or you're 25 and trying to figure out what to build first — this one's for you.

What Happens to Your Instagram When You Die?| Katie Finnegan-Krispin 2

Katie Krispin is an estate planning attorney and a member at Adventure Unknown, and this is her second time in the chair — the first one, roughly two years ago, caught her right as she was standing up her own practice. She notes early that this podcast is how she found the place at all: she couldn’t figure out what Adventure Unknown was, kept showing up anyway, and eventually Scott laid down the law — shit or get off the pot. What has changed in two years is mostly internal, and she says so plainly. She knows the craft; the business building is “a whole another animal.” She names herself a perfectionist and a people pleaser by nature and by nurture, describes the setbacks that come from both, and calls the work of unravelling that conditioning something she expects to be doing for the rest of her life. The payoff she names is ego: “I’ve shed my ego a lot in the last two years,” and with it the pressure, because the point of the work turned out to be service — something she says she used to believe and now actually feels. That opens into the most practical stretch of the episode, which is really about boundaries. Zach confesses he called a client back at 8:30 the night before despite having set a hard cutoff, and caught himself doing it mid-dial. Pat lays out the counter-system in detail: auto-text replies instead of live answers, treating the office line as a lead filter because everyone who actually knows him calls his cell, one non-negotiable business task per day knocked out before noon, no more than two consultations stacked in a day, and Do Not Disturb from 4:00 until the kids are in bed. Underneath it is the line that reframes the whole thing — there are very few actual emergencies in either of their industries, and both of them have been treating everything like one. The cost of not doing that is the emotional center. Pat wanted to be the top producer, got there, and it fucking sucked — it cost him time with his kids he cannot get back, and he now only has them half the time. Zach, separately, admits he was gone far more than he realized during his oldest son’s first year, told himself the baby wouldn’t remember it, and looks back knowing he missed things. Katie, 32 and thinking hard about kids, asks how you prepare for it; both of them tell her you don’t. The last third is the reason she’s a guest. The biggest misconception she fights is that estate planning is for rich people — if you have any asset, it needs protection, and there is no one-size-fits-all. She talks about the negative stigma around selling and how she gets around it by educating instead of closing, illustrated by a woman who called her that same morning about a probate matter and said Katie was the fourth person she’d talked to and the first to explain anything. Then the material that nobody else could have given you: digital assets and what happens to your social media when you die, the review cadence most estate planners skip, the craziest plan she’s seen (a man whose ashes were to be tattooed into his daughters), Gunther the dog and five generations of an inherited fortune, and the apocalypse clause — the part of the process where she has to look a client in the eye and ask who they don’t like, and who they want to get nothing. She closes on the Tombstone game with the line the whole episode has been circling: “Got out of my own way.” Personal growth has to precede professional growth, or you go to the next level kicking and screaming.

He Made 4 Cold Calls and Bought a Storage Empire | Steven May

Stephen May is a realtor and a self-storage owner-operator, and a college friend of the guys from Missouri State. He graduated in May 2019 with a bachelor's in nursing, took a job at Saint Luke's on the Country Club Plaza, and moved to Kansas City having visited exactly once — he'd already bought a house there before he arrived. That house was a house hack: 3% down, conventional, owner-occupied, with buddies paying $400 a room to cover the mortgage. Eight months later he talked a lender past the 12-month owner-occupant rule and bought a second at 5% down. The roommates moved out, the first became a rental, and he was hooked at 23. The pivot that matters is what came next. Studying self-storage through Bigger Pockets and AJ Osborne, he built a sourcing method anyone can copy: Google “self storage near me” in a market he already knew (the Ozarks, where he'd spent every summer), then scan for facilities with no website or two-star reviews — distressed mom-and-pop owners who've stopped managing. He pulled owners off the county site, skip-traced them, and started dialing. On the third or fourth call an office manager simply handed him the owner's number. That conversation became his first facility, closed at the end of 2021. Five months later the same seller sold him the second — for $750,000, which meant writing a personal check for roughly $75,000 at 25 years old. Today it's seven locations, about 750 units at ~95% occupancy, two rent raises this year, entirely self-managed with his cousin and business partner Nick, and 100% owned with no outside capital. He went part-time nursing in 2022, then PRN (one to two shifts a month), and finally quit — without telling his parents for three or four months. He's now back in St. Louis with his wife, figuring out what the next chapter looks like. Along the way the guys get into the lending math on multi-family, why he stress-tests every deal after watching a 4% note reset to 7.5%, the FIRE movement and “work optional” as a goal instead of retirement, and — refreshingly — why he was still partying hard through the whole build.

What Advice Would We Give to Our 25 Year Old Selves?

What would you say if you could sit down with your 25-year-old self for one conversation? No guest this week. Just Zach and Pat going through the four things they'd change - career, relationships, money, and health - including the mistakes that cost them time they can't get back. Pat on the years he spent building a business while his kids grew up without him. Zach on three years of sweat equity that never paid out, and why he cut his own income in half on purpose. Real numbers, real regrets, and the advice they wish someone had handed them a decade ago.

Your Pain Is Almost Never Where It Hurts | Stephen Shinn

Everybody told you the pain is where it hurts. Stephen Shinn has built an entire practice on the idea that it almost never is. Stephen is the owner of Revive Wellness Company, and he works in the gap nobody else covers — the space between rehab and fitness that he says both sides fundamentally misunderstand. He's gotten people out of wheelchairs, taken a paralyzed bricklayer from five years of failed PT to walking and talking in six months, and cut a leading stem-cell clinic's treatment counts in half using nothing but breath work. In this one: why "it's just part of getting older" is a lie, the difference between a tissue issue and a tone issue, why you should stop stretching your hamstrings, what your chiropractor is actually giving you (and why it doesn't stick), what weighted-ball training is doing to 10-year-old arms, stem cells and peptides, neutral thinking, and the three habits he'd change in the average American day.

Good Songs Will Only Take You So Far | Wes Hoffman

Everything in the block below goes straight into the YouTube description field. Wes Hoffman has written over 50 songs in a year, toured 924 Gilman, and built two music communities from an Instagram account. He also says the thing most musicians don't want to hear: good songs will only take you so far. In this episode we get into what actually grows a band, why Spotify monthly listeners are a lie, and how a divorce, a closed business and a new job inside three months turned out to be the best thing that ever happened to him. Wes Hoffman is a St. Louis singer-songwriter, frontman of Wes Hoffman and Friends, and the founder of 314 Punk and Frequency Midwest. New record out in October — and there's a St. Louis festival announcement coming in August.

He Was Ready to Close His Business - Then This Happened | Jack Hanneken 2

Jack returns a year on to trace how much has shifted in the business and in himself. On the business side he walks through the full subcontractor life cycle he's now watched play out over five years, why he's productizing fencing into a simple, scalable 'Chick-fil-A' menu under Faster Fences, and the honest fear of letting go of operational control that's the single thing capping his growth. On the personal side, he opens up about realizing he'd built his whole identity around chasing money, the spiritual-coaching work with Josh Wiesler that followed, and a run of experiences (a business he tried to close, a calling to a coffee shop, baptisms at the gym) that reoriented him. Pat mirrors it with his own reset: a month-and-a-half off social media and a six-month break from dating, and what both have done for his focus. What you'll take away ● The subcontractor (and employee) life cycle - how good crews start hungry, peak in the middle, then drift - and how to see the end coming. ● Why productizing a service into 3-5 fixed options (the "Chick-fil-A" model) simplifies inventory, speed and customer experience all at once. ● The real bottleneck to scaling isn't leads - it's the founder's fear of handing off control. ● A practical case that growth for its own sake can cost you the client experience and the life you actually want. ● How a social-media and dating fast can free up focus, money and genuine connection - plus the discipline-vs-motivation cycle every entrepreneur rides seasonally.

'If I Hate My Ex, I Hate Half My Kids’ — An Honest Talk on Co-Parenting | Dalton Nicholls

Dalton is a realtor at CRS Belt Nichols — and the "bonus dad" to co-host Pat’s two boys. He and the guys cover his path from car sales to real estate, the mentors who shaped him, the realities of the sales grind (lead sources, pre-approvals, listing strategy), and some genuinely wild listing stories. Then the episode turns into its best self: an honest, moving conversation about co-parenting after divorce — how Pat and Dalton put their egos aside, backed each other up, and built a blended family the kids actually thrive in. What you’ll take away • How to co-parent after divorce without making the kids collateral — "put down your swords." • Why "if I hate my ex, I hate half my kids" reframes the whole thing. • The reality of the real-estate grind: mentors, lead sources, and running a real buyer consult. • A masterclass in ego, humility, and doing what’s best for the children.

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