The Blissful Investor With Moneeka Sawyer

MLM 259 | Real Estate Investing

It’s one thing to be an investor, but to be a happy investor and be blissful about the opportunity that you have is a whole different thing. On today’s podcast, Jen Du Plessis talks with Moneeka Sawyer, a life coach and the Founder of Blissful Investor. Often described as one of the most joyful people you will ever meet, Moneeka shares the incredible story of how she turned $10,000 into a beautiful real estate empire. Moneeka is the best-selling author of the book Choose Bliss: The Power and Practice of Joy and Contentment and the host of the podcast Real Estate Investing for Women.

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I have a great guest with me. We’re going to have a lot of fun. I want to introduce my guest, Moneeka Sawyer. She is a life coach. She is the Founder of Blissful Investor. It’s one thing to be an investor, but to be a happy investor, we got to talk about that. Be blissful about the opportunity that you have to be an investor. She is the author of the book, Choose Bliss. She’s from California. She graduated from Berkeley. She teaches women to be empowered with their money by showing them how to invest in real estate so that they can retire, enjoy their lives and do what I call mailbox income. Moneeka, welcome to the show.

Jen, thank you for having me. I’ve been looking forward to this.

The energy in our emails. Most of the time emails and texts, but this time, even your email and my email back to you, we were like, “We like each other.” I’ll be on her show. She has a podcast called Real Estate Investing for Women Podcast. I’ll be on her show soon and sharing my story about investing, which I don’t talk a lot about here. It’d be interesting to talk about that. If you could, share with us your story because I know you’ve got this incredible story. You had $10,000, which some people don’t even have. How did you turned that $10,000 into this beautiful real estate empire that you have? Give us a little back history on where you were and how you got that $10,000. What was that shift?

My story with real estate started before I was born. My parents came to this country as immigrants. They had an arranged marriage. They were newlyweds. They came to this completely new country as immigrants with $200 in their pockets. They had heard that the golden ticket to wealth in the United States was to invest in real estate. A couple of years later, I was born. I was their first child. With their hearts filled with joy and hope, you know new parents are and excitement for what they could provide, they decided they were going to start investing in real estate. They started seeding all of their nickels and dimes. When I was three years old, they bought their first rental property. Now fast forward when I was eighteen, they were able to pay for my college education through real estate. They did the same for my sisters. They did our weddings.

Real estate provided this incredible opportunity for having the lifestyle that my parents wanted for their family. I got to see that my whole life. The thing is I’ve also seen my dad going through all the stress around real estate investing. Any of your investors are like, “Yes, we’ve heard about the tenants, the mortgages and the calls late at night to fix the house.” There are all these things that come up. Those things came out for my dad. By the time I was an adult, even though I had seen what real estate could do for us financially, I also did not want that level of stress in my life. I graduated from college during a recession and I couldn’t find work.

I was freaked out about that. I’m like, “I did not want to be the woman that got married for money, to marry some guy because I had to.” I wanted to be independent and be able to make my choices based on what I wanted with my life rather than any feeling of desperation or need. I wanted to be able to take care of myself. I was determined not to do real estate. One day I remember I was sitting with my dad over the kitchen table and he said something to me that changed my life. I was freaking out telling him all my fears. He said, “Moneeka, everybody has fear. Everybody has stress and everybody has money problems. Do you want poor people money problems or do you want rich people money problems?” My first thought was rich people have money problems?

It’s a different set of problems. I made a choice at that moment that I wanted rich people money problems, but there were some caveats. I knew based on my experience with my dad that real estate was a long-term game. If I decided that I was going to invest in real estate, it was going to be in my life for a very long time. Did I want something in my life for a very long time that was going to cause me stress? No. I decided right there and then if I was to do the investing, it was going to be what I call blissful.

I created systems, I streamlined my investing and develop the skills within myself when challenges do come up. Through that process, I can enjoy the entire journey and keep it blissful. That’s how that whole thing started. The $10,000, my husband and I didn’t have that either. We were not married. For our wedding, we asked for money. That $10,000 that we got as gifts, instead of going on an extravagant honeymoon or buying a big TV or new sofa or whatever, what a lot of people do, we invested in a home. That’s how we got started. We put 5% down. We invested in a home. I waited for it to appreciate. I took a bridge loan out of that. I invested in the next property and that’s how I got started.

MLM 259 | Real Estate Investing
Real Estate Investing: The golden ticket to wealth in the United States was to invest in real estate.

It’s taken me many years to get to the retirement number that was that I wanted for myself. I was also casual about the process. I wasn’t like on top of it. I had another career. I was in marketing in corporate. I didn’t give it a lot of attention. I will say that as if I had been on it, if I had been much more precise about what I invested, what I did, it would have happened much faster. I say that so that people can understand there’s a long game. You can also have it go a little bit shorter, but I will say this about investing in real estate, understand that it does take time and anybody who says you can make money fast in real estate. Maybe you can, but if you give yourself the time to be right, you’re more likely to be successful.

It’s my philosophy. We’ve done the step investing for many years of our marriage. What you’re talking about is step investing where you have one property and you’ve springboard from that into another. You’ve springboard from that into a third. Soon they all pay each other off. You have free and clear properties. You do a lot of step investing. It takes time. I have a real estate investing coach still. He’s one of the seven coaches that I have. He always talks about it. I already believe it and live it.

He talks about the fact, “Everybody, welcome. If you’re here for quick money, go ahead and leave because it’s not going to happen.” It does take some time. It’s good to have that knowledge around it. What have you learned in your investing and what are you using? Our mess is our message. What we learned, we say, “That’s what we’re going to teach other people how to do faster and better than we can.” What did you learn in that many years that you’re now teaching people? For our audience who are loan officers, real estate agents, a few entrepreneurs and investors, but what are some lessons that you learned that you’d like to share with everyone. If they want to get started or if they’re in the midst of it and they’re struggling, what are some things you’d like to share with us?

First of all, as real estate agents and loan officers, you have a huge opportunity for creating wealth in a way where you’re not trading time for dollars. I was a mortgage broker also for several years. One of the things that I realized was that I had to keep calling clients. I was only as good as the next deal or you get a team. I don’t know if this is true for everybody all over the country, but I remember the real estate agents that had a team seem to work harder than the real estate agents that didn’t have a team.

They were doing their own deals, but then they were also managing the team and they were managing the office. There were all these other things that they were doing. Most of the people that I was seeing, they were doing a lot of things that they didn’t enjoy. They enjoy the sales process. They enjoyed meeting with clients and now they were managing this team. They were managing the business and there was all this stuff that they didn’t love. I was not interested in that path. What I ended up doing as a mortgage broker, I started holding open houses for the rent, for the agents that were in the office, the real estate agents. If I liked the house, I would make an offer on it. The agents started to hear that I was an investor. They would give me pocket listings.

I don’t know if you have pocket listings in your market, but they will let me know this. You get them all the time now from those old days. It’s been a few years. It’s interesting because as soon as they found out, they’d say, “I’ve got this deal. It’s going on the market. It’s a fixer. Do you want it before I put it on the MLS?” I’d take a look. I was yes or no. That’s how I built my original portfolio was because agents were now coming to me. This is one of the things that I want to impart to you, agents and loan officers. I don’t normally talk to loan officers and agents. It’s how I built my business. There were two things that I did that you can keep in mind. First of all, use your internal resources because as you learn to invest, that cashflow will start to replace your hustle cashflow.

Most of my clients were investors. As a loan officer, I might have fifteen clients, but I would be making $200,000 a year. Why? They were investors. They get more loans. They buy more homes. They sell more homes. They refinance more often. As a loan agent, it’s like a gold mine if you can deal with investors, I know that dealing with sales, you also get their listings. If you can focus on investors and investors like to deal with agents that are investors. They want to know that you’re an expert. If you use my first strategy of starting to become an investor and then you start to market to investors, you’ve got this cohesive business as an ecosystem that then takes care of itself and it becomes a much more blissful process for you.

I love your tactic of doing open houses. I kept mine a little more secret. One of my niches was investors because I was an investor. That’s why I started as me being an investor and then reaching out to investors. I never went to open houses. I hate open houses. I have to be honest with you. Everybody who reads this knows I’m not an open house girl. I can’t stand it. I felt like my personal investing and what I did, I would certainly tell my clients who were investors, but I wasn’t telling my real estate agents, “I’m a real estate investor, throw me some things.”

Do you want poor people money problems, or do you want rich people money problems? Click To Tweet

I was quiet about that because I had one realtor that I did all my stuff with. I kept it way. I had a lot of pocket listings that came to me. Some things that came up and I still work with her now, which is cool. She still gives me some cool things, which we can talk about too. I love the fact that you’re talking about that niche. I’ve expressed that so many times, again, if you want to be in that real estate world. Let’s talk about realtors, what can they do? I want to go back to both realtors and loan officers in how they can invest, which I know you’ve talked a little bit about. Let’s talk about what the realtors can do to help move their business forward as it relates to investing with the mortgage.

This is one of those things that realtors get that the rest of us don’t get. They get people who call them and say, “I’m looking to list a property.” Real estate agents get people that come to them with listings. The thing that they get and this is one of the things that I see with a lot of my real estate agents is that they get a listing. They take a look at it and they’ll often make an offer. The benefit to the person that’s coming to them with the listing is that they don’t have to show the house. They usually don’t have to fix it up. They don’t have all the stress. The real estate agent can come in and say, “I’m going to take this one.” That’s my big thing, that every single time you get a listing, it’s a mind tweak here because most agents get a listing and they think commission.

They don’t think about commission. People think about how they can help each other. Do you understand what I’m saying? When they think about how am I going to make money, they think commission instead, first thing, passive income. That’s the mind tweak. Instead of “I’m taking this as a listing to sell it and get a commission,” you want to be the first to consider it as a possible passive income source for yourself. That’s the very first tweak. It’s the most important thing. Everything else, real estate agents are smart enough to figure it out like what’s next, but that mind tweak can be the difference between building wealth as an investor or staying an agent and working for commissions forever.

Let me ask you another question. If someone doesn’t have cash, one of the things that we know about that can happen in both of these industries is the ebb and flow. I wouldn’t even call it ebb and flow, peaks and valleys. I know from my personal experience of teaching realtors for many years, whenever I’ve asked the question, “How many of you own your own home?” There is a handful because sometimes there are some Millennials that don’t quite have their own home yet. Everybody raises their hand. How many of you have an investment property?

I have to tell you, it’s less than 5% of every room that I’ve been in that a real estate agent has real estate. It’s like a Mary Kay consultant coming up to you and saying, “You should wear makeup. I don’t wear makeup, but you should wear makeup.” When a client says, “Is this a good time to buy?” The real estate agent says, “Yeah, it’s good. I’m not buying, but you should buy.” That to me is crazy. The same thing with lenders, “This is the product we’re selling. Why aren’t we using the product we’re selling?” That’s scary. They’ve gone through it once, maybe twice. It’s hard for me to comprehend, but what strategy can you suggest for them to put themselves in a position where they can buy. As a real estate investor coach, you’ve got some strategies on how people can accumulate cash when they have inconsistent income and how they could buy homes and things. I know a couple of ways.

There’s the traditional way to save enough money and then do it. What strategies do you have for someone who’s reading and saying, “I probably need to start investing in the product I sell. I don’t know where to begin.” First of all, thank you for bringing that up because I am completely awestruck by how many people are trying to market to investors that aren’t investing themselves. To me, the advice that I give on my show all the time is only to take advice for someone who is where you want to be or is doing what you want to do. You don’t want to be working with an agent who’s not an investor if you’re looking for investment property. There are things that you learned from the actual experience of being an investor that you can’t learn from helping clients.

As a consumer, you don’t know that until you start investing. It’s not the emotional attachment to the rate or to the house. It’s all about the numbers.

When I talk to you and I know a lot of real estate agents that don’t own their own home, I’m completely flabbergasted by that. Here’s what I tell. There are a couple of different ways. There are many ways to fund real estate. You can go the traditional way. The traditional way is a little bit rough because the low doc and the no-doc loans have tightened up quite a lot, especially at this time. Since 2008, anyways, they’ve been a little bit tough to get to, which is good. It’s kept a lot of people out of trouble. Those are options, possibly if you don’t have consistent income. The first thing to do is to make sure you own your own home. I know that this is a topic that people go back and forth, but the advantage of having your own home is it’s easier to get in. You can get a loan for 3.5% down if you want to go FHA. If you don’t want to go FHA, you can get it for 5% down. You don’t need the level of cash to get into a primary residence that you need to get into an investment property. You get to write it off and you get to take advantage of the appreciation.

MLM 259 | Real Estate Investing
Real Estate Investing: Investing in real estate takes time.

Once you have that appreciation of that equity, you can get a second, either a home equity loan or a home equity line of credit on your primary residence and invest, as you say to step. There are not many loans out there. I don’t know of anywhere you can get a second or an equity line on an investment property. You have to refinance cash out, which is hard money and you pay interest on that. On your primary residence, you can use this stepping strategy where it doesn’t cost you any more. The rates are significantly lower. The ratios required are higher. They’re more lenient. It’s easier to get in. From my perspective, the first step is to own your home. You can turn that into an investment property on the exit or if you love it, you use the equity and buy another investment property.

There’s a couple of different ways to use it, but it’s the single most important asset, especially if you’re an agent, if you’re selling houses, own your home at the base level. That would be my thing. What is your specialty that you help people with? What type of investing do you specialize in? I know I have a specialty. You mentioned a fix and flip. I don’t do them at all. I do something completely different. What type of investing are you pushing at this particular time? Here we are. We’re in COVID. There’s a shift. I know I’ve made a shift in my investing with the anticipation of what’s going to happen with some foreclosures and some short sales. I lost my job. My company went out of business and I have to move.

I buy Executive Palms. All I do is I save up my capital and then when I qualify for a loan, I buy a nice place and I put executives in there. I’m a full-on buy and hold. Every once in a while, like in 2009, 2010, I bought a lot of properties that were distressed because people were going through a foreclosure. I would buy them as REOs. I would fix them up and then I would put renters into them. I don’t flip them, but I have at times bought distressed properties. I’m looking at that now. Also is on the other side of COVID helping people to get out of their homes. Instead of going for foreclosures more, they need out. How can I support them in that? A lot of times, they do need a little fixing. There has been distressed, but I buy a nice home, fix it so it’s nicer. I put an executive in that home. That’s my strategy.

Are you putting executives in as renters or are you doing options?

They just rent.

I do a little bit of both.

It’s interesting because I have frequently offered them an opportunity to do a rent-to-own, a lease option to own. I don’t know why they don’t take me up on it. A part of that is that a lot of these executives come to the Bay Area. They see the price of housing. They’re like, “I’m never going to buy here. I’m going to stay here for two years. I’m going back home after I make all this money.” They fall in love. They put in 2, 3, 5 years into a market where they never bought. Many times, they do go home, but I’ve got renters who’ve been with me for 7 to 10 years. They never take that lease option and they never bought. It’s a little confusing to me. Everybody has their reasons. I had a renter tell me that he’s leaving my house because he and his girlfriend are buying something. I was like, “Good on you.” He’s with me for ten years.

The good thing is you can increase rent. That’s a good thing about leaving, put a few more light fixtures in and increase the rent. I know that one of the things that you have for us, I want to ask you about the formula. You’re the creator of the blissful real estate investor formula. I’d like to talk about that a little bit because there’s a reason that you put bliss in here. It’s that you didn’t want the stress and strain or the mentality of the mindset of doing that. You were talking about the mindset going from mundane to magical. What are some thoughts about that? Some people are thinking, “Going into an investor, I don’t know the numbers. I would have had to do improvements. Who do I call?” There are many variables that you have to have. I would say plant some seeds, build your team. How am I going to keep my head on straight? How am I going to not want to stab myself through this? Tell us about your program in general.

Real estate is a long-term game. Click To Tweet

For me, it’s about mindset and spending only as much time and resources as is comfortable for you. The first thing that I talked to people about is what are your values? What are your needs? What are your resources? From that, we decide on your goals. The reason we approach it that way is that many people go out there and say, “I want to invest in real estate. I heard that’s a good idea. I’m going to go do that.” They don’t have any understanding of their own values and how that fits in. For instance, if your value is having a ton of free time so that you can have adventures, and then you decide that you’re going to be a wholesaler or a flipper, which is another job, that doesn’t even match.

Many people don’t even know well enough what their values are to build a life based on that. They build a life and wonder why they’re discontent, why they want to pull out their hair. Why are they so stressed out? It’s because their internal world is not aligned with the external world that they’ve created. The very first thing is to be very aware of what your values are and to start making decisions based on those. For me, my value is an adventure. I do buy and hold. Why? I don’t have to spend a lot of time with that. The other thing is that I train my tenants. I decided on executive tenants because they do not want a landlord breathing down their necks, they’re happy to take care of the home.

They call me for Christmas and my birthday, everything else gets taken care of. When I have a turnover, they’ve had other friends that have come to the house. They turn me over to another client. I have little to do, but that was based on my personal values. Who is it that I like doing business with? What kinds of people and what do I want my life to be like? This isn’t a pie in the sky thing like, “I want to make $2 million tomorrow.” This was based on what are my values and why am I doing the things that I’m doing? That’s the first piece is to get aware. This is in my coursework, get aware of who you are and then start to build a strategy and a business based on that.

The other thing that’s important is resources. When we talk about resources, the very first thing they think about is money, but there are a lot of different resources. What about your risk aversion? What about your emotional resources? What about if I have twenty years or five years? What about how much time each week can I spend on this? What about I want more time with my elderly parents or my young children? Those are all resources. We don’t think about those. We make commitments where we overstep our own boundaries. That’s another thing. If you’re able to build a business based on your values and your resources, and then you set specific goals, it’s a lot easier.

Your big why, like what is the true reason for this? It’s not because money is a good idea. There is a better reason for you. Once you have all of that information for yourself, now you can build a business that is aligned with who you are. It’s by definition going to be less stressful. When stress comes up, it’s easier to move forward because you know why you’re doing it. It’s aligned with who you are. You’re pulled forward. You develop and you can develop the skills to deal with those stressful moments. My book, Choose Bliss, is all about the strategies on how to deal with stress and challenges so that you can live a joyful life no matter what’s going on out there. I always say to people, we can’t control what’s going out on in the world outside of us, but we can always control how we choose to respond. You develop those skills to when the challenges come up, when you’re feeling like, what am I doing. When you’re trying to make a decision about a problem, you now have these skills to lift yourself up and come at it from a rational perspective rather than the often freaked out perspective of investors.

In fact, a colleague of mine was on my podcast as well, Steve Kyles. This was during COVID. As soon as COVID started, the pastor said, “The only way that your boat can sink is if you let what’s on the outside in.” The more you let the outside in and the outside in, and all these extenuating circumstances in that’s when it starts sinking because emotionally you can’t dig it out enough. You can’t whatever they call it with the buckets. You can’t do it. That’s important. I’ll tell you that was part of the decision that I made is that my dad was a Class A contractor. He was an architect. My degree is in Architecture and Engineering. I could have taken the route of fix and flip because that’s what they did.

They would buy five acres of land in Colorado. My dad would go down to the auction and buy a mobile home, a trailer. He’d have it carted up. He would put it on a permanent foundation, dig the well, did the septic, do all that. They would rent it to people. If people stayed for five years, they would offer to hold the note and sell it to them. They never owned anything. They never had debt on anything. That’s how they accumulated their wealth. Dad can swing a hammer. Not me. I can’t do that. For me, that was a little bit different.

I also wanted to grow faster because I had a specific goal of retiring from traditional lending after being in a certain period of time and being a certain age. I had specific goals so I wanted to accelerate mine. Part of my acceleration was not waiting to save money for every deal because it would take too long to save. Lending changed from 10% down with PMI on an investor all the way to 20% and more down. I said, “Now I’ve got to find other outlets to do this.” That was something that changed the way that I invest now that I like to keep secret.

MLM 259 | Real Estate Investing
Real Estate Investing: Real estate agents and loan officers have a huge opportunity for creating wealth in a way where they’re not trading time for dollars.

I don’t mean to keep it that way, but I don’t want to get it out there. Not because I’m afraid other people won’t be successful. I don’t want to put it out on my show. It’s quirky stuff. The reason I do that is that I can gobble up 4 or 5 houses a month if I want instead of waiting. That’s what I’m prepared to do now that we’re in COVID, I’ve reached out and planted seeds with all my real estate friends and said, “This is where I’m heading. I planted the seeds with you. I want to gobble up another 5 or 10 properties before the end of 2020. That’s where we’re headed.” This is what’s great about investing is there are many different options available.

I always tell people there are a million ways to make $1 million in real estate. There are many options. That’s why I say to start your business from the inside out that you have talents and skills also like you were saying, Jen, you don’t like to do open houses where I do. We’re still successful. We also have talents, skills and preferences that help us to run a business a certain way. That’s a piece of that package I was talking about, the information. You can go from the inside and create a strategy that will work beautifully for you and will be less stressful. You won’t have to do all of those things that you hate to do. You can delegate those out. You can build your team, but the piece that you do does not have to be stuff that you hate doing. There are many ways to do this.

There are two other points in that. It’s called the Head Talk Theory, do what you love to do, what you’re good at and what makes financial sense for you. If it doesn’t make sense for you, don’t do it. If you don’t like doing it, don’t do it. If you’re not good at it, make a decision that you’re going to be good at it if all the other parts work for you. That all by itself is an important piece of it. The other part is when you’re doing something, that’s in alignment with you and that you love, it’s a magnet of attraction. Two magnets coming together and fighting because people can see that. They’re turned off by it and they won’t come to you for business.

You said something interesting earlier where the numbers have to work. As real estate investors, the numbers have to work. It is true. Real estate is not a numbers business. The numbers have to work, but real estate is a people business. What Jen was talking about with the magnets, instead of being two magnets that are pushing against each other, if you’re a magnetic person and you’re out there being the person that people want to do business with, the business is automatically easier. Whether we’re trying to find tenants, vendors, construction workers, a mortgage broker, an agent, whatever, you’re going to get much better-taken care of. Your life, in general, is going to be so much easier if you understand that it’s a people business and those relationships are such a big deal. If you’re building it in alignment, you’re able to stay that magnetic person because you’re not stressed out. You’re not freaked out. Even when you are stressed out, you’re able to be consistently a delightful person to work with.

You know what your purpose is. One of the things at my company, we believe that if you work on purpose, you can play with passion. If you work on purpose, you can play with passion. That’s key. It’s to have intentional work so that you can go do what you love to do, have that bliss and that joy in your life and everything. How does someone get ahold of you? What is the best way to get in touch with you if someone says, “I want to learn how to do real estate investing, where I don’t feel like I’m a mess or I’ve tried it before and it didn’t work and I don’t want to do it again?”

I’d like to offer your audience a couple of places. The first one is That’s the best place to meet me. You’ll see my podcast there. I’ve got several books. You’ll see those up there. You see all my programs and what I teach everything is there on the website. The other thing that I want to mention to people is I’m helping people right now to get those bridge loans, to get them into real estate. This is one of the blissful things about COVID. There’s not a lot, but this is one of them is there are lenders out there that are offering you 0% for 21 months to get you over this hump. If you’re looking to invest and you want to take advantage of what Jen is saying is like when I want to gobble things up. I love that term. You want to start gobbling some things up. You can get loans from $100,000 to $500,000 with 0% down with a 640-credit score. If you want to find out more about those bridge loans to help you out, go to

Is that for business owners or is that for everybody who wants to take out some equity in their property? Are those collateralized?

They are not collateralized. These are uncollateralized. These were personal loans, which is why they look at your credit score also. They’re personal loans. There are a few questions that they’re asking, but they’re being generous with getting these loans out there. I don’t know how long they’re going to last. It’s a COVID special type of thing. Go take a look at it.

Be very aware of what your values are and start making decisions based on those. Click To Tweet

A couple of last questions for you is what are you reading that’s inspiring you?

I’m reading The ONE Thing. I read it a couple of times before. I’m in the process of pivoting my own business. There are many opportunities. I’m taking a look at what some of those opportunities are and how I want them to fit into my life. It’s good to focus back on what are those one thing that I can do each day to move forward through this pivot. I’m enjoying it again.

I’ve read it times that I have all kinds of different ink marks in there and different times that it’s almost like I should be highlighting and circling what I haven’t read in the book. I know it’s a weird thing. I love reading. I usually write in the inside covers, in the back cover, pages and stuff. That’s where I write my notes, my action items from a book. As I’m reading, I go through and I write them. I go back and then I write my action items that I can take something out of the book and learn it. I’ve got like 5 or 6 pages of that one. That’s not the only book I got other ones where I’ve had to put the paper in there so that I’d have actionable items on them. I love that book. I would recommend that for anybody who’s reading, because Gary Keller put that together and shares this great way of doing real estate. It’s ironic in the back of my book. I didn’t dedicate a lot to this and I should have.

At the back of my book, the last chapter in the book is now what are you going to do? Now you’re successful, you have money and you have a team, or if you have whatever you want and you’re successful, now what are you going to do? Please invest in real estate, make sure that you’re growing and creating that passive income for yourself or what I call mailbox income. I want to go to the mailbox, open it up, look at that, there’s a check. It’s all for me. For me, it’s all to serve charity. I do a lot of charity work. I love charity. I can’t do charity if I have to go to my job.

There are two things on that. If you have to go to your job at the time, and if you don’t have the money, you don’t have the money. That’s one of those things. I’m all about being philanthropic with the money and time now that I’ve got those things. I’m with you on that. It’s one of the blissful things about being wealthy that we can do is helped to make the world a better place.

The last question is a quote. Do you have a quote even if it’s your quote? What quote do you have for someone who is thinking about investing in real estate or who is struggling with real estate and wants a more blissful experience?

This is my quote and this is what I close every one of my shows with. It is, “Goals without action are just dreams. Get out there, take action and create the life your heart deeply desires.”

It’s an old one, but it’s true.

MLM 259 | Real Estate Investing
Real Estate Investing: There are a million ways to make a million dollars in real estate.

I love it when the audience of my podcast comes back and say, “Moneeka, I’m taking action. I’m creating the light, my desire.” I giggle. It’s so good.

It feels good, does it? You made an impact on somebody. That’s the thing about real estate investing is that you are making an impact on people’s lives. You’re helping people that are in distress. You’re helping people that need to move. You’re helping people that made them move quickly. You’re helping people that need a home. You’re helping people repair credit. There are a lot of things that you’re doing to create memories. You’re doing so much when you’re doing real estate, making money and having the legacy is a side note.

Real estate is a foundation of society. We all need a place to live in. As a real estate investor, you have an opportunity to grow communities, neighborhoods, people’s lives, families, dreams. You have many opportunities on a foundational level of something that everybody needs to change the world a little bit at a time.

Moneeka, I want to say thank you so much for sharing this. I encourage everybody to go to If you’re interested in the funding, do funding, but otherwise, go to You’ve got a questionnaire or something like that about investing.

It’s a free gift that shows you how to go from $10,000 to $2 million or how I did it.

If you’re interested in that and why wouldn’t you be, go grab it. Thank you for taking the time with us. We sure appreciate it. I look forward to being on your podcast as well. I can’t wait to continue to talk with you and continue to grow with you. Thank you for being with us.

Thank you for having me, Jen. This is a pleasure.

I want to remind everybody that we have a three-day workshop. It’s called Cracking the Top Producer Code, which is what they’re all called. How do you crack that top producer code? If you have interest in joining us there, please be sure to click on that link so that you can come there and spend three days with me. I hope to see you all there. Thank you for joining us. We’ll catch you next time.

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About Moneeka Sawyer

MLM 259 | Real Estate Investing

Moneeka Sawyer is often described as one of the most joyful people you will ever meet.

But don’t confuse her big smile and infectious laugh with naivete. Her multi-million dollar real estate empire is just one example of her ability to strategize, organize, and implement big business plans.

She has been investing in Real Estate for over 20 years, so has seen all the different cycles of the market. Through her strategies, she has turned $10,000 into over $2,000,000, working only 5-10 hours per MONTH with very little stress.

She lives her dreams and won’t let anyone tell her what she can and can’t do. She graduated from Haas Business School at UC Berkeley, one of the top 3 colleges in the nation, and has been in business for herself ever since. While building her multi-million dollar business, she has travelled to over 55 countries, dances every single day, and spends lots of time with her husband of over 20 years and her adorable little puppy (who is the love of her life, but shhhh…don’t tell her husband).

Her clients find themselves inspired to take action and achieve massive success through her results driven programs that also include having fun as part of the process. One of her clients recently said, “run, don’t walk, to take Moneeka’s program. You will get so much more than you ever anticipated.”

She is the best-selling author of the book “Choose Bliss: The Power and Practice of Joy and Contentment,” which was recently honored with the very prestigious Woman of Impact Quill Award by Focus on Women Magazine. Moneeka is also the creator of the Blissful Real Estate Investor Formula that shows smart women how to use real estate investing to retire rich.

She is also the host of the Podcast Real Estate Investing for Women where she focuses on all the aspects of real estate investing including strategies, mindset, emotional mastery, money smart, and so much more, to ensure her listeners’ success.

Moneeka’s expertise, and joyous laugh, have been featured all over the world in over 50 podcasts, on stages, radio, and TV stations including ABC, CBS, FOX, and the CW.

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