Resource page for MDTM, sharing everything to get out of massive debt and into real estate investing.This page includes many of the resources I have used to help eliminate my debt and find my way as a real estate investor.  The list will continue to change, so check back often.

Note:  Some links on this page are affiliate links and I could be compensated a small commission if you go there and use the products/services, at no additional cost to you.  I appreciate any help in this regard and use the funds to keep the lights on here.

Massive Debt

Here are some tools I have used to cut down my massive debt (I will continue adding to this as I find and use more tools):

Credit Cards with 0% Rates – I searched on a website called Bankrate and found several credit cards offering up temporary interest rates of 0%. You can hit Google for other sites that do comparisons, but they generally come up with the same results. The terms generally ranged from 12 to 18 months. I was looking for longest introductory term and low or no transfer fees. I settled on the following cards:

• Chase Slate – 15 months at 0% and $0 fee for balance transfers
• Discover It – 12 months at 0% and 3% fee for balance transfers

*Remember, these rates and terms change continuously, so search for the best one for you at the time.

SoFi Personal Loan – I compared debt consolidation loans and got the best deal from SoFi. They have various loans and terms, handling everything from student loans to debt consolidation loans and home repair loans. They also gave me the best rates at the time I applied, compared to three other companies.


This is a list of resources I use for investing, as I move beyond my massive debt. It’s not comprehensive, but some of my favorites.

The Motley Fool – THE place to go for the individual stock market investor, as a place to learn and grow. I found them while in college and learned how to become an individual investor. I dumped my big firm mutual fund guy and started buying stocks on my own. I can’t thank the Fools enough for my investing start. They have great resources for knowledge and newsletters for different categories of investors. Go check them out today.

Lending Club – You can invest in loans for other members or you can apply for a loan from other members. It all depends on what side of the coin you are on. I’m using this for investing in loans.

Betterment – If you don’t know where to start for stock and bond investing or you want a simple ready made investment, this is a great place to go. I am using a Betterment account for my oldest daughter, where she can invest her earnings from the odd jobs she does in the neighborhood.

Scottrade – One of the many discount brokers for access to the stock market. I use them for my stock and options trades. I have used other discount brokers over the years and don’t have any real loyalty to one over another, as they provide the same basic services and have roughly the same costs. However, I am currently using Scottrade and am pleased with them.

Real Estate

I have begun work on my side gig as a real estate investor. I have found that the information can be daunting to start. Some sounds ridiculous, like a scam, and you have to sift through the crap to get to the good stuff. I recommend the following websites/people as the good ones I’ve found:

Bigger Pockets – This is a great site for real estate investors. I found them through their podcast. The site is a place for real estate investors to meet and discuss all things real estate in the forums, and a place to learn more from very experienced investors with articles. It’s a clearing house for real estate investors to meet and learn.

RE Tipster – Seth Williams is a blogger and podcaster who teaches others how to invest in real estate. His real estate info is excellent and he is primarily a land investor.

Home Invest – I actually worked with Nate Armstrong in the corporate world, many moons ago. I have followed his progress a bit and would like the opportunity to work with him and his team at some point. Nate is a great guy and someone I trust highly. They help investors with turnkey property investing.


I am a big podcast listener. I have a long commute to work and podcasts are a great way to pass the time. Not to mention that they are a great way to learn more on just about any topic you can think of. Here are some of my current favorites:

Passive Real Estate Investing – This podcast is put on by Marco Santarelli. He provides some great education on real estate investing for buy and hold investors. He owns a turnkey real estate company, called Norada Real Estate Investments.

Bigger Pockets – Real estate podcast from two real estate investors. They interview other investors, discussing successes, struggles, and failures.

Motley Fool Money – This is a quick, 45-minute weekly podcast that gives you a synopsis of the stock market, specific stocks, and usually contains one interview. This is their weekly radio show put on a podcast.

The Way I Heard It with Mike Rowe – Very short, fun podcasts that are quick stories. Mike Rowe was the host of the TV show Dirty Jobs and he is a proponent of training skilled labor, like welders, electricians, etc. Not everyone needs to go to college and pay student loans.

Monday Morning Podcast – This is weekly comedy from comedian Bill Burr. His sarcastic wit is more insightful than you might imagine from a comedian. Don’t get him started on bankers or the situation with his home remodel. Worth the listen, if only for the laughs.

The Bryan Callen Show – Bryan is a comedian but don’t let him fool you, he’s smarter than the average bear. He has a great interview show with authors on all types of very interesting topics. I get so absorbed into some of these episodes and have broadened my horizons.

There are many more podcasts that I have listened to over the years, too many to recount here. The list is from my current favorites.


Buck Books – This is a great place for discounted ebooks, if that is your thing. Authors sell their ebooks at 99 cents for short periods (a few days usually) and this service finds them and sends them to you in a daily email. There are non-fiction and fiction options daily. No obligation to buy anything.

Amazon – They carry more and more products every day. If you can’t find it on Amazon, it might not exist. We are Amazon Prime members, getting free two-day shipping and video streaming service. The video streaming is similar to Hulu and Netflix, and is great for the price.

Reading List

I am a big reader, enjoying all kinds of topics, including business, economics, military history, professional development, sports, and much more. I’ll share some of my favorite books here. If you want to know more about any book or why I like it, contact me and let me know. Here is the list:

Current reading list:

Getting the Money: The Simple System for Getting Private Money for Your Real Estate Deals – I am interested in funding my real estate investment deals with what is known as private money. Instead of going to a bank for a loan, I would go to private investors for the money. Just started reading this one, 8/16.
What Every Real Estate Investor Needs to Know About Cash Flow… And 36 Other Key Financial Measures – This one was recommended on one of the podcasts I listen to and I got a used copy on Amazon for the cost of shipping. I will start reading it soon, 8/16.
Investing in Real Estate – This was also a recommendation from a podcast, and I got a used copy on Amazon for the cost of shipping. They are on the seventh edition, but I have the fifth edition. Might have some out of date topics, but the Google can help fill in the blanks if needed. Will start reading soon, 8/16.

Previously read list:

The Arm: Inside the Billion-Dollar Mystery of the Most Valuable Commodity in Sports – Learn all about pitchers and the dreaded Tommy John surgery. Amazing info!
How to Win Friends & Influence People – Professional Development, advice that still stands up today.
Rich Dad’s Cashflow Quadrant – Business, amazing way to think about where your income is generated.
Freakonomics: A Rogue Economist Explores the Hidden Side of Everything – Economics/Business, these guys teach you to think outside the box but using real data.
Moneyball: The Art of Winning an Unfair Game – Sports/Business, they flipped baseball on it’s head.
Black Hawk Down: A Story of Modern War – Military, amazing story of war before 9/11.
We Were Soldiers Once….and Young Ia Drang Battle That Changed the War in Vietnam [HC,1992] – Military, what the Vietnam war looked like at the beginning.
The Killer Angels: The Classic Novel of the Civil War (Civil War Trilogy) – Military, my introduction to the Civil War.
Gods and Generals: A Novel of the Civil War (Civil War Trilogy) – Military, looks at the key players from a high level…the casualty numbers are staggering in this war.
Lance Armstrong’s War: One Man’s Battle Against Fate, Fame, Love, Death, Scandal, and a Few Other Rivals on the Road to the Tour de France – Sports, the book that preceded the doping scandal and showed the building smoke.
The Secret Race: Inside the Hidden World of the Tour De France – Sports, amazing insight into a sport full of doping for the non-cycling fan…telling you what you already knew for the cycling fan.
Wheelmen: Lance Armstrong, the Tour de France, and the Greatest Sports Conspiracy Ever – Sports, similar to The Secret Race in terms of what we learned.
Unbroken: A World War II Story of Survival, Resilience, and Redemption – Military, amazing, amazing story of survival…this guy was unbelievable!
The Perfect Storm: A True Story of Men Against the Sea – Amazing Story, the science of the ocean is why I’ve read this book multiple times…it’s just amazing.
Flags of Our Fathers – Military, the Marines of Iwo Jima and the pacific island hopping campaign faced the most difficult challenge in fighting the Japanese.

There is more to come here on the Resource Page, so check back often. I will continue updating the page as I find more that helps me and you to improve.