Welcome to the Purpose Driven Investor, where we build more than portfolios, we build communities. I'm your host, Robert Howell, a real estate investor and founder of Define Communities. Each week, we'll explore how purpose and profit connect through affordable housing, land home packages, and impact-driven investing. If you're a lender, land seller, or a partner who believes money should move with meaning, you're in the right place. Welcome back to the Purpose Driven Investor Podcast, the show where we go beyond the deals and dive into people behind them, their mission, their mindset, and the impact they're creating through real estate and entrepreneurship. Today, we have a great guest. I'm joined by Kelly, who's the CEO and founding partner of PickFund and RehabWallet. A company, a hard money lending company that's funded over 550 million dollars in loans and raised more than 250 million dollars in capital since 2020. Kelly brings over 30 years of experience across management, real estate, lending, and has personally built a portfolio of over 3,500 units, both active and passive. She's also a founding partner in multiple lending platforms, including Consistent Capital and Aspire Finance. On top of that, she's a former four-time All-American basketball player at the College of Charleston, where she still holds the all-time scoring All right, good deal. Well, let's get right into it. I want to talk real quick. Tell us about how did you go from a basketball standout to building a $550 million That's a big question, especially as long as I've been in this business, right, or in business by myself. You know, life takes you through journeys and people and relationships and you end up where you ended up, right? So I think sports is such a good just parlay into business, right? I've always said that now business is now my scoreboard. It feels very similar. The competition is the same. Trying to be your best version is the same. Building a team and being around teammates and getting other teammates to do what they do well and then allow me to do what I do well and just patting everybody on the back, giving high fives. Going through defeat, going through wins, it's very, very, I love that. My boys, uh, run long distance track and we had a track meet last night and, um, they're freshmen and junior and, uh, the freshmen didn't do as well as he thought. And we had that same conversation about, Hey, this is just the start. This is building you for business, It's it's so true. That defeat that happened last night is so. is part of going to be who he is and his journey. You know, I think we got to fail to know how to get back up. I think we got to fail to understand ourself during failure. Yeah, I think it's so good for these kids to To feel that, to know about time management, to know about decision-making. I mean, he had to make a lot of decisions in that meet last night. He didn't realize it, but he had to make a decision where he was going to throttle, whether he's going to hold back, when to sprint, when to hold back. A lot of decisions was being made yesterday, and I think that just goes I think you put it exactly how I should have put it last night. I tried to explain that and sometimes you don't want to listen to dad after failing to How about that? All right, so tell me- That old lady, she don't know what she's talking about either, so that's okay. You'll understand Yeah, exactly. Exactly. Well, that's great. Well, talk specifically kind of when you think about business today and I mean, talk about high five and wins and losses. What are some of the specific things that sports taught you You know, I think, you know, when when you're playing at it, I'll say it at the level that I played at. Right. And a lot of people play that. Whether it's D1, D2, D3 does not matter, but you're playing at the top of your game. Maybe not somebody else's game, as College Charleston is a mid-major school. It's not an SEC school. It's not Duke. It's not University of South Carolina women's basketball. But when you're playing at the top of your game, at whatever level that you're playing at, right? I just think it is part of just understanding who you are and the confidence that you have to have in yourself as a leader. Yesterday in a meeting, I had a director make a decision, and while hindsight is 20-20, it might not have been the very, very best decision. It was her decision, and we're going to roll with it, right? I think that whether it's your son, whether it's you, whether it's me, whether it's anybody, it's a decision we make during the game to spin around, to throw up between our legs, to decide if I'm going to pull up a three or I'm going to go take it in and hit a 17-footer. It's just decisions that's running so fast in our mind that I think we can, again, parlay it and take it from sports and move it straight into entrepreneurship. It just, I can't even explain how easy the transition is if we allow it to do its job, right? To remember, you don't have to be so specific. I wonder what I did at basketball. I'm going to take it over here to entrepreneurship. It's just part of the feeling and the emotion that you take with it. Yeah. I also believe that talking about emotion is that sometimes in basketball, I would get super emotional. When I find myself, whether it was happy, sad, frustrated, pissed, whatever the words are, I've learned that when I gather myself and not run so emotional, we make better decisions, whether it was on the court or whether it is That's so true, right? Because in the game of sport, it's so easy to get emotional, and you may not realize it, but in business it is, right? And I think a lot of times we don't have the same emotions in business as maybe we did when we were a teenager and in college with sports. But I think part of that is we've been trained not to, right? And trained to That's great. All right, cool. Well, let's talk a bit about the early days. Talk to us about what the early days looked like for you before Yeah, I mean, right after sports, after basketball, you know, you know, I'll tell my age, I graduated college in 89. Nothing was going on for women's basketball after that. I could have went overseas and played for almost like 14 grand, made a decision not to go overseas and play, to stay home and to start working. And I was raised on a small farm. So work comes super natural. Working with my hands came very, very quick to me. So I went straight into blue collar work and that was UPS. So I stayed at UPS for about 12 years, loaded, drove just like everybody else did, but ended up in management. And it was managing, you know, hundreds and hundreds of employees before I left and after the 12 years. So, you know, take basketball, take UPS. UPS is, you know, 100% effective at UPS is not good enough. You know, we wanted to run 125% effective. It kind of matched who I was and how I was raised. working long hours, high expectations. So, you know, iron sharpens iron, and I just kept getting sharpened, I think. I learned how to manage people, union employees, as a young female. I know there's probably girl dads on this podcast that's listening to this, and I've learned that not just learn, but I want to share that the best thing we can do for our young girls is not to coddle them. My dad never coddled me. He worked me like he worked my brother, like my cousins. He worked my sister like my brother and my cousins. He worked us all the same. And I think that lack of coddleness and, you know, if my brother had a chainsaw in his hand at 12 years old, so did Kelly. If my brothers was expecting to get up at four in the morning, I was expecting to get up at four or five in the morning. Same exact thing. And so the expectations were the same. So as I got older, my expectations are I can do anything. I can do anything. My expectations were when I walk into a boardroom at UPS where they were very, very few women at that time in the 80s, In early 90s, I had to feel okay and comfortable in myself to be able to walk in that boardroom with confidence and not be afraid, right? Now I get real estate, and now I get in the lending world of which is, which, you know, dealing with flippers is predominantly men. I don't see any different this point i don't even see others only two women sometimes people will say that you're in charge of. I am a real estate investment group and there's only five women there it just happens to be. That that's the top of company that were in right now right where in lending to flippers. And the flippers tend to be 95% men, right? So I'm glad of my raising. I'm glad of my early years at UPS. I'm glad of my early years as an entrepreneur, just to be able to gain confidence every single year, every single step I've made, every single, uh, thing I messed up, everything, every bad decision just kind of led me to where I am today. You know, whether it was basketball or whether it was my first job at UPS, I think we're just learning as we go and trying to figure it out. I don't think anybody has the best plan Right. But it all starts with the belief that your dad gave you, right? At the beginning. And I love that, right? You imagine like if he didn't give that to you from day one, what Completely different with all the, you know, you mentioned all the, um, the money that the cross that I bear every day with investors capital over $200 million we've raised. And, um, that's a cross that me and my partners bear. I don't think that, could do that had I not had the strength and the wiring as a little girl to get where I'm at right now to be able to carry that and be able to sleep good at night. You know, I think that's a special wiring. And I'm very, very, very thankful that my parents both raised us all to be very independent. And you can do it. It wasn't like a cheerleader approach. It was like an expectation. It wasn't like, yeah, hon, you can do anything you want to do. It was like, we expect you to do this and we expect you to do that. There wasn't even a question mark in his brain. Could Right. That's great. That's great. All right. Let's talk about your lending business. Tell me about what was the very first real estate or lending deal Wow. So coming from UPS, I told you I stayed 12 years. When I left UPS, we had wonderful insurance back then at UPS. Well, now I'm an entrepreneur. I got to go get my own insurance. Well, I'm sitting in an insurance company. Back then, no internet. So you got to go into an insurance company. You remember those days. You got a little gray hair. But you had to go in places and meet people, right? And so mine's just taking a minute to come in. I don't know why, but that's OK. So we had to go into places, and I met a couple sitting there. They, too, were getting there, waiting to see their insurance agent. And they had a mortgage company. It's a long, drawn-out story, but from that day, I befriended them and ended up working for them for free to learn this mortgage experience, this mortgage business, right? And so the mortgage business kind of you know, took me to that next step. So I learned from them, spent about six or eight months working for free just to learn that business. I had made great money at UPS. I had plenty of savings. And then And so my first as a not as a lender, but as an investor, because remember, I'm a lender, but I also have a personal business that invest in real estate. Because what I learned as a lender was that I am lending I was a broker back then. So I'm lending to investors. They're coming in and I'm looking at saying, Hey, they're buying it for a hundred, selling it for putting 20 in and selling it for 220. So I'm seeing they're making 60, $70,000. Well, it clicked with me. And my dad had also had some mobile homes and some duplexes and so forth. So I had that in me a little bit. And so the The first deal I did was It's eight o'clock, but I'll happen to still be in there working. My employees had not locked the door. And this older gentleman comes in with coveralls on and opens, I hear it go ping. And I'm like, hello. And it was an older, older gentleman. He was just getting off work, and he said, I need a loan. And I'm like, was he going to kill me, or am I going to talk to him about this, right? So I kind of assessed the situation and then thought, come on back to my office. Let's talk. Well, he had a house in Georgetown that he wanted to buy. I pull his credit, and it's now 8.30 at night. I'm pulling his credit, and it was low. He couldn't buy the house. And I started talking to him and getting so close to him that night that I was like, you just need time to fix your credit. I'll help you. But he's like, I want to find this. I want to buy this home. Stay with me because And this is her home place. And I feel like every time we go by that house, she remembers. I want to buy this house and I want to move us in there for this later part of our life so that she can have some memories and then I can have her. It's almost like the notebook. So I'm like, I've Anything I can do. So I purchased it and I leased the purchased it back to them. Every month on the way home, because he worked in Mount Pleasant, but was driving to Georgetown back home, he stopped and he made his payment. And he made his payment for about two years till we got his credit. And then he just paid me off. And so that was my first real estate investment deal. It has a little story behind it, but I felt comfortable doing it because at UPS, I had moved 11 times in 12 years for them corporately. So I was used to moving a lot. And, you know, every time I'd move and sell a house, I'd buy a new house and then sell it and I would make money. So, or the company would buy it from me. So I was kind of in the real estate game when I was in corporate America, but at the same time on my investment world, That's great. That's great. It makes me think about, um, you know, that, uh, obviously you, you did a little sweat equity with the mortgage company so that they could train you and learn, but then they helped you set it up. But. You know, just that moment then led to you helping this gentleman with his wife, with Alzheimer's. And then I imagine you have. hundreds of stories like that afterwards. Right. And the amount of people, just that one interaction impacts down the road. Right. And I always like to think about that. Hundreds of people. And then you think about the people they could impact because now they have good housing or I mean, we all got to think about that every day when we're out here working. Yes. We're all trying to make money. Yes. I will say that I'm a capitalist. Yes. I say that I want to be an employer of people But we're, we're, we're helping, you know, I have to remember this and I told my CEO this other day, you know, what we do every day, our employees don't worry one minute, their paycheck is going to be sitting there every other Friday. There's no, there's no question. When are my paychecks coming today? It is there. We're paying them a fair day's work for a fair day's pay. That was a UPS slogan. And that is a true statement. We don't expect you to do anything more than what the salary is given to you. And we will pay that. We will also give you incentives and we will also give you 401k and also give you insurance. At the same time, we give you a safe, fun place to come to work. And that's our job. And then they then, some of them have now went on to work somewhere else, or they have now went on to start their own companies. And I hope they just keep doing the same thing as we treat them fairly. And I think that's important. At the same time, yes, I'm not afraid to say that I'm an entrepreneur. I want to make as much money as I possibly can. I lean into that, and I'm pretty I'm respectful when I say that, but again, I'm going to speak about a woman for a minute, is that some women, we don't talk about that enough. We don't talk about money enough. You got men to go smoke cigars and chill out and drink and hang out and say, hey, I made $400,000 yesterday on a flip or something, right? A woman tends to not say that because she just It feels weird saying that. And I wanted to give, I've always said this, that I want to be a platform for women to feel comfortable saying, and it's okay to say, I want to make as much money as I possibly can for my family and to give to others. It's not just making as much money as you can for yourself to go get everything that you personally want, but it's for your family. I think we're super selfish if we don't work toward our best version, make as much money as we possibly can for our families, Of course, we give to our church. Of course, we give to our families. But you got to start with making money. And if you're capable of making money, I think you should do it. Not everybody's capable, but I think if you're capable of doing it, I think you should maximize that specific Right. Yeah. God's giving you this talent, right? And there's a reason he's giving you this talent to go out and, uh, make as much money as you can to go then help as many people as That's great. So talk to us about, um, PIC fund and also rehab wallet. Um, and feel free to talk about any other ventures that you have, but we'd love to hear about Yeah, the mortgage business, again, as I kind of explained my journey, I stayed in that mortgage company. I was a broker from 2000, about 2009, the crash came, as everybody knows. I then got out of that, I sold that mortgage company to a large company. And then I kind of stayed in our personal real estate for about, I don't know, 10 years. And then it was time for me to start lending again. I just thought, I wasn't kind of teeing up this business, but I was doing some personal lending. And so I was getting some phone calls. Hey, Kelly, you got 200 to be a private lender. So I was personally lending for a while. And I was having more calls than I had money because In 2018, I had a probably about 400 units around Charleston, the tri-counties of Charleston and in Greenville. I'm from Easley, Pickens area. So I had some property in Greenville. And so I sold, I'd had those for about 18 years. So I started selling off my personal side of real estate. It took a while to sell it all off, but then now I had two buckets of money. One bucket of money I started private lending out of, and the other bucket of money I went and started investing passively with syndicators that I know and trust. I wanted to be this passive investor instead of this self-performing, self-management company that I had been for almost 20 years. My bucket of money that was private lending out of, I put it on the street, quick. And it was, you know, it was a few million dollars, but it don't take long. Think about it in Charleston. If you got $400,000 loans, that's five of them you've done. Right. So it went like that. So I was walking, stay with me a minute, but I was investing with my other bucket of money with some syndicators that I became super close to. And Danny and I, before he started having a bunch of babies, we walked every, almost every week, maybe two days a week. And we'd walk and talk and talk like me and you're talking now, just how was your week? How are things? We used to call it our dream walk. And on that dream walk, he said, happened to say, how's that private lending side of your business going? I said, Danny, we, I have more calls coming in than I got money. And We came up with the idea that He could raise the capital. So Rehab Wallet was formed in June of 2020, in the middle of COVID, on a walk. He had the experience of investor relation and raising capital, and I had the mortgage experience. So we started in June of 2020 with one loan, $153,000. We did one loan in June. In July, we did four loans. And, you know, so we didn't start raising capital until we knew we had a proof of concept. I also always like to say that I think you should date your partners before you get married to them, right? So we were kind of dating before I started bringing in all this capital from friends and family and put my last name on the street. I had, you know, almost 30 year career. Well, back then it was about 25 years of a career that I did. I needed it to make sure I'm married to the right people. So, we used our own capital at the beginning to the end of 2020. The start of 2021, we started raising our first capital. And like I've said, we've raised over $200 million. They've done an amazing job raising capital. We've done a great job on this side. My job was to build the team out, build all the SOPs, and start a lending company, of which I had already done in 2000. It's a little different. It's bigger. It's got a servicing aspect on it. We're having to collect payments and all this back-end asset management stuff now. But ultimately, I'm back to playing ball. I'm back to building a team. working well with others, having defeats one day, having to lay some up the next day and go back to work. I've ultimately figured out that's what I'm good at. It just happens to be if I was selling this pin or whatever widget it is, I just happen to be an entrepreneur that likes to build a business and it happens to be lending. It's not like I'm a bank, a lender of all lenders. We just happen to be really good at Yeah, that's awesome. So it sounds like you kind of you kind of got started and then said, hey, there's something here and then just Exactly. You can't you know, you got to make sure you're with the right people first. You got to make sure it's got some legs. And is this business scalable for it to be worth my time? Remember, I'm I'm probably in the later third quarter, top of the fourth quarter of of my business journey. Right. And I didn't want of my career. So I didn't want to start something else, unless it was going to be big enough to keep me interested, to be worth this push that it takes to start up a company. Those first three or four years of a company are Day If you're thinking about basketball, what would you think about the startup period of starting a company versus what does that Well, I would take it to these days of being a coach. Everybody leaves, everybody jumps in the portal, and you got a whole new team coming in every year. And it's happening every year. Those coaches have a startup every single It's a grind. I mean, College of Charleston this year, women went to the NCAA tournament, first time in history. So what happens? Pittsburgh comes Everybody leaves and now jumped in the portal. Men's When somebody comes and grabs him, Everybody leaves, jumps in the portal. So both new coaches have been hired. I won't know one person. I've had season tickets ever since I've graduated. Try not to miss any home game of men or women. I won't know a soul next year. I feel like that's what it is. It's a startup. It's a startup some of these coaches But as a player, maybe and you're a freshman or you lose your seniors and your sophomore and you're, you know, you're the captain of the team now, maybe you Um, talk a bit about rehab. You mentioned rehab wallet versus pick fund. I'd love to talk So rehab wallet is our branding name. It's not an entity. It is a brand that's good that's out there on all the when you see it on the page here, you see when when my people are out and about at real estate investment groups, it's the branding piece that's on all of the swag. So rehab wallet, rehab wallet is a short term fix and flip lender. Okay. The fund is called passive investing club fund pick fund one Okay, so that is our debt fund. We raise money in a debt fund inside the fund called PIC fund. We pay our investors 6, 8, 10% according to how much money you put in the fund. We arbitrage that into the rehab wallet side, the borrower side of things, and I lend the money out to fixing flippers. 13, 14%, a couple of points. So I'm arbitraging that capital every day. And that is my business plan. So Rehab Wallet is the borrower side. It's actually just a branding name. And Pick Fund is obviously all the docs, all the titles, everything is inside that. Our capital stack over here on how investors get paid. Our investors get paid first and foremost before I use any money over here on the Rehab Wallet side to go pay employees or expenses. So our investors get paid first and then we go over here what's left. I go run Rehab Wallet out of. Right. And so. and gosh, we're almost hitting six years in June. Never missed a distribution. We pay out monthly distributions. We also, inside our fund, we also allow a liquidity option. So if you needed your money out for, let's go back to a daughter, and your daughter's getting married or something, I don't know, I'm making this up, and you needed $40,000 out to go pay for a wedding or 20,000 or 120,000 these days, you, you can get your money out of our fund. You just send an email out, and then 90 days, hopefully before that, we will get your money out. So we have a liquidity option. We also allow you to keep your money in and let it compound. So you don't have to take your distributions. So somebody that has $100,000 out in the fund makes 8%. 8% is $667 a month. So in month two, your money is compounding at 100,667. That's a big benefit. Play around on NerdWallet one time on a compound interest calculator, and it gets fun watching a monthly, put in there monthly. When it asks you, do you compound monthly or It is crazy. Compound interest is something On the PIC fund side, we ask and need accredited investors. So that's somebody you can look it up, somebody with a million dollar net worth, not including your home, or you have an income of$250,000. It's somebody that is sophisticated. It's somebody that knows, should understand that we don't want your last dollar going into this fund. It is a safe fund. We expect it to be super conservative, but anything can happen. But you should be sophisticated enough to understand what's going on inside the fund. So that's an accredited investor. We also have an option for not accredited investors as well. The rates aren't quite as high, and the minimum requirement there is These people are doctors, lawyers, It is a lot of a W-2 person that might just don't want don't have the time. You talked about dollars, dollars and lawyers, they don't have the time to go over here. So it's high net worth individuals typically that don't have the time to go out here and maybe make money on their own. Don't want to not even interested in it, but respects the, the experience of the operator and you know, just wants income. You know, we have a, we have, I was just talking to an investor last week and um, He has about 1.2 with us, 1.2 million. And he and his wife travel on that 10,000 a month. And that's what he wants. He believes in us. I know him. He's very inquisitive. He's very involved, meaning we send out monthly monthly information out to everybody so they can know what's going on, updates on what's going on with Pick Fund, so that they know if they got any questions, they have my cell phone, Damian and Dan's cell phone, all the partners' cell phone, they're willing to do and ask us any questions that they want. They're banking on us, but also do they realize that anything can happen, we were talking about this yesterday, that we can only control the controllables, right? There's markets that are uncontrollable. But my job is to build this team, Be a good CEO of this thing. Manage this team. Try to be as proactive as possible instead of reactive. And I think 2008, 9, and 10 helped me. Helped me a lot. It whooped me. It whooped me in a lot of ways because of the real estate crash. I was in the mortgage business. I also had real estate of my own. But at the same time, it was the best learning curve and All right, let's move on to purpose and your bigger why. Tell me, at this stage, what drives you to show up day in and day out and grow this company, protect your investors' money? I'm guessing it's not money. I'm guessing it's something else, but tell us Well, I'm used to just put my finger on the why, like what was my why? And it was long and hard to figure that out for whatever reason. I don't have children, so. A lot of people use legacy and all those words because they have children, right? I, of course, help my mom a lot. That's a big deal in my life. But other than that, my sister and brother are well taken care of. So what is my why? And I narrowed it down a long time ago to, it's changed a little bit, but maybe it's just added on. But I had it as, I just wanted to be the best version of Kelly Garrett. I don't want to compare myself to somebody else that's the thief of joy. I just want to be the best version of Kelly Garrett. Let's go back to basketball for a minute. You know, I played at a mid-major school. I scored more points there than any woman's ever scored with only two years of a three-point line. So I think I played at my best top level version at the College of Charleston. My jersey hangs in the rafters when I go there. I know I've left it all there, right? But what could I have done at the University of South Carolina? What could I have done there? I don't know. But I know my best version could have possibly had been a bigger school because I've tipped it out at mid-major. I want it, but I don't know that, and I'll never know that. So I wanted to go And I wanted to play on a South Carolina Colonial Life floor. And that's what I'm doing now. It's a freaking huge company with a lot of, like I but it's big enough where I feel like I'll be capping out my best version at some point, right? So finding And I think the word not finished has come up a lot in the last probably year is that I'm almost 60 years old, but I'm not finished. You know, a lot of people ask me, when are you going to retire? Because all my friends are retiring, right? They're all, you know, coming out, retiring and so forth. I'm just not, I'm just not finished. There's something else out there. And I just got to see that through because I have a lot of energy, thankfully. So, I kind of just used those two catch phrases for me. In my gym downstairs, it's highlighted. It's a big neon sign that says not finished. And I'm just not, I think I'll know when I am, but right now I'm just, I'm not finished with helping people, developing people and And imagine that best version changes, probably changes week to week, right? As you think about where, where can Yeah, I know I have become very patient. In my early career, I was not patient. I've learned to sit in on a decision and I'm healthy. I'm living I've still got things I want to work on. But this life that we're in is just a journey, and why hurry it? For what? I mean, the finish line, there is no finish line. There's not like, OK, I'm going to get to 60, and then I'm going to retire. I'm going to get to 65, and then I'm going to retire. I don't like that. I think we'll just know. Um, when it's time to, to kind of crank down a little bit, but at the same time, maybe I just don't ever crank down. Maybe I just maybe move positions from bringing somebody in as a CEO. And I sit on the board to still be involved. I think we got to have a purpose. You have a great name for your podcast. I think you, every day you got to wake up and have a purpose. Cause what happens What is your, you know, the purpose, our life's purpose. That's great. So, um, talk about winning and, um. I imagine winning looks different now than it did 10 years ago. Can you talk a bit about that? If you think about winning today versus what you thought about As I mentioned, I felt like I was in a big hurry. And the reason was because I had studied probably too much of compound interest. And I knew that on my come up, that's what I call it, on the come up, I needed to get in a hurry Let's just talk about money for a minute, not just about life, but about money. I needed to get a ball big enough to let compounding work for itself. I was reading The Psychology of Money, and I might blow this, but Warren Buffett, after the age of 60, he made he was worth like 4 billion or something like that at the age of 60. I'm making, I don't remember the number, but after 60, it 4X or 18X, I can't remember. So after the age of 60 is Because he had to let 4 billion or whatever that number was, compound into 8 billion and then 8 billion compounds into 16, 16, 32, 32 to 64. It's like, we got to let these doubles happen. So I think at the beginning, I was in that race to make my ball big enough to compound. I also, at the same time, needed to do the same thing in my personal life, in my physique, and all the other things as well. So I think the difference 10 years and today is that 10 years ago, I was trying to make money, and now I'm trying to lose it on the money side. I think that You know, it takes work to make money and it takes brains to keep it. And so I wanna be a good steward and not make, I've made some super risky moves early 10 years ago or probably 15 years ago to get where I'm at. Lost some, won some. But I wouldn't do that now. I would absolutely, there's no need to do that now. There's just absolutely, you talk about money. You talk about your relationship, it's always a working, you know, it's, it's, I'm, I'm, I'm, I've just now got good at it. I've, I've, I've been super selfish and shallow probably. I, I married Sunshine Garrett, my wife, and I've been together now 25 years and probably the last five years is when I kind of got good at it. But she's been super supportive with me along the way and patient. And so I hadn't been good, good, Just great at that, but I think we finally got there. Body-wise, I'm trying to just keep it together at this point. Two hip replacements, back, so I'm still just trying to keep all that together at some point. But we still got to work out. We still got to do the things to keep ourselves not just in shape, because it's not about what people see about me, it's how I feel about myself. So that then I could go out and do the things I need to do confidently in That's great. I just started working out, um, recently and I, I'm so sore. I asked my trainer this morning. I said, I'm so So just keep going. Just exactly. If it doesn't Yeah. Well, health's important. I mean, my, my goal is, Hey, let's when I'm 60, 70, 80, I want to be nimble and All right. Well, let's get, let's go into the rapid fire closing here. Um, and I have a few questions, just wanted to rapid fire through and, uh, hear what you think. So what's the best deal that you've The best deal that I've ever done. I would, um, The best thing that I've ever done is go to events around town, host events around town, have relationships, because I I had to go meet my partner today. This business that I have now is the biggest deal that I've ever done. And I've been in the business now, honestly, almost 30 years. And so we, yeah, yeah, I've, you know, made half a million dollars on a fourplex that I bought, kept for a year and flipped it. Okay, that's something. But that's a one and done. I've cut my apple tree down on that, on that flip is what I call it. When we can have cash flow coming in consistently, we're not cutting the apple tree down, it's making apples every month, every month, every month, every month. And that's what's important. Somebody asked me today, what's your goal with RehabWallet? Are you going to sell it? No, not selling it. Cash flow is too good. Now, the other two legs of our business is we have a long-term lending arm called Consistent Capital. At some point, that might be sellable. It's more institutional. The Aspire Finance is equipment financing. We might will sell that at some point. But the best deal I've ever done was literally us getting up at six o'clock in the morning, going to a breakfast meeting every other Friday, meeting somebody, going to walk with him every other week, befriended him, saying yes to him when he would call and say, hey, you want to go somewhere? So he was calling me and I was calling him. We were going, hanging out, meeting him and sitting up underneath that tree that I love how you put that though. It's rehab wallet, of course, the biggest, best deal you ever done, but the best deal really is the start that relationship, right? And that really you getting Yeah. I think you have to be open to, you know, again, let's go back to sports. I think, you know, I was a decent ball handler and a decent shooter, but there's other girls out there that were amazing. shop blockers and rebounders, and everybody's got to know their role. Danny is 25 years younger than I am. Danny is so smart, and I barely got into college, Charleston. Danny thinks so big, but I am a real good operator, and I can get some stuff done, right? I knew how to build a business, and he leaned on me for experience, And I think I leaned on him to help me open my mind up to something bigger. And together, I think you've got to be open to other people. I'm not looking for somebody like Kelly, that's an old jock and a mid-major business person. I need to look for somebody that's so completely different than I am. But I wouldn't have had it had I not got up again those early mornings to go to those breakfasts to meet people and create relationships and be like, hey, I'm gonna go sit by him. And then Danny's thinking the same thing. I need to go sit by her. It's very interesting in life if you just say yes to a podcast. I mean, Robert, I don't know you that well, but I said yes to your podcast. I'd studied a little bit about you. I'll say yes to your podcast. You don't know what this will turn into. You don't know. You just got to let it, let life happen and let God and whatever you believe in, just let it happen. It's important. That's powerful. All right. Two more questions here. I like it. Speed. That's good. All right. Last question here. Wow. What's one belief people disagree You did. I'm not sure something bigger and better than us in God. But I didn't realize how many people don't really believe. And I have no idea how to think without that, like what's next, or how How can I shoulder all this capital? How can I be the best version of myself? How can I, this redneck from Pickens, South Carolina, be in charge of this company? How can, without something a little bit bigger or a lot bigger and a lot stronger than I am personally? So maybe Maybe it's just that, that's I think that I was thinking about something because we have a large real estate investment group that we have subgroups. And I'm teaching a business mastery class the last Thursday of the month. And so I was just thinking about the name so the marketers And I put that what happens If all we had to do was be consistent, what happens if And just doing the same thing with something big enough to scale now, something big enough to scale. But you stay at something year after year after year after year after year after year. I've been doing this for almost 30 years. Lots of frustration, lots of days you want to quit, lots of days of like, God, I should just go and work back for UPS and just take a paycheck. How in the world am I going to pay for payroll early on? All the things that come up, but you stay at it and you stay consistent. What happens if that's all there is? I think that a lot of people believe it's a lot harder or they make it complicated. And it's just hard work, staying consistent, but you got to do it year after year after year after year, you got to go to those breakfast meetings, you got to go to those subgroups, you got to go be on these podcasts, you got to do all these things, and you got to do it over and over and over again, year after year after year after year. And I'm not sure everybody believes that. I think that And it's one and done. And it Right. Yeah, I agree with you 100%. Show up every day All right. This has been awesome. We could keep talking probably for another two, three hours, but we are going to conclude it here. If someone wanted to reach out to you, how do they contact Well, for PickFund, To be an investor or a borrower, you can go to rehabwallet.com, and there is a tab there for Invest or Borrow. If you want to email me, it is kelli, K-E-L-L-I, at rehabwallet.com. Kelly Garrett with an eye, catch me on Facebook, message me. I think that's how we contacted, you know, you connected with me. Connect there and I look forward to talking to anybody and trying to help somebody at the same time if my needs alone or wants That's great. Well, I appreciate coming on, Kelly. A lot of value in this one. Like I said, I'd love to keep talking for a lot longer, but we'll conclude it here. And for everyone's listening, if you got something out of this episode, please share it with someone who's building in real estate, looking to grow. And as always, this is The Purpose Driven Investor, where we focus on building wealth that actually means something. We'll see you on the next episode. Thanks for listening to The Purpose Driven Investor. If today's episode sparked an idea or inspired you to make an impact, connect with me at howellandsons.com. Join our community of purpose-driven investors who are helping families find stable homes while building real returns. Because when