In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with founder, investor, and Thrive Banking strategist Teresa Villaruz to break down how to “earn like a bank” using infinite banking, cash value life insurance, and private lending—without risking your own money.

Teresa shares how a stage of invasive breast cancer and $275,000+ in medical bills almost forced her family to sell their real estate…until one phone call from her life insurance agent unlocked living benefits and paid those bills without liquidating a single asset. That wake-up call led her to create the Thrive Movement, teaching entrepreneurs and investors how to use life insurance as their own funding source for deals, businesses, and emergencies.

You’ll hear how she now uses policies to fund mid-term rentals, start a boba café, and even turn her 12-year-old daughter into a private money lender earning double-digit returns—by borrowing against the policy and lending at higher rates. Teresa also lays out when this strategy is a bad idea, how to avoid overfunding (MECs), and the exact questions to ask before you ever sign a policy.

CHAPTERS
00:00 What banks really do with your deposits & Thrive Banking overview
02:00 Teresa’s breast cancer diagnosis & $275K in medical bills
04:50 Using life insurance living benefits instead of selling assets
07:00 Discovering infinite banking & launching the Thrive Movement
10:10 Cash value 101: how “be your own bank” actually works
13:20 Funding real estate, emergencies & a boba café with policies
17:00 How loans work: access, approval & flexible repayment options
20:40 Policies for kids & turning a 12-year-old into a private lender
24:20 Parents’ fear of life insurance & generational protection
28:10 Thrive Banking vs HELOCs and bank credit lines
32:00 When this is a bad idea (cars, vacations & lifestyle creep)
35:00 Questions to ask your agent & how to structure policies right
40:10 Pre-existing conditions, riders & why to get covered early
42:40 Using policies to become a private money lender
47:00 How much to fund, reverse-engineering goals & avoiding MECs
50:40 Annual vs monthly premiums, discipline & access to cash
52:50 Vetting deals and borrowers as a PML
56:40 First steps: mindset, learning how money works & focus
58:30 Where to find Teresa, her podcast & book “Your Money, Your Rules”

Connect with Teresa:
Instagram: @buildwealthwithtre
Website: teresavillaruz.com
Podcast & book: Your Money, Your Rules

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who wants more control, liquidity, and leverage—so their money finally works as hard as they do.

Sleep better, dream bigger!
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https://join.nre.ai/mQ9T9vZ

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https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
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🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this special episode of the Dream Start Own podcast, Edgar “The Connector” Salgado answers the big question: “Is Subto worth it?” by letting actual Subto, Gator, and Owners Club members share their own stories—how the community helped them close their first creative deals, find accountability partners, and get into rooms they never thought they’d be in.

Instead of hype, you’ll hear real clips from past guests talking about subject-to, seller finance, Gator lending, and what’s changed in their lives since joining Pace Morby’s community—more doors, better partnerships, and bigger goals like 40,000 affordable beds, 1,000 sober living residents, and Mount Everest-level missions. Edgar also breaks down how to join Subto with a partner through an LLC to effectively cut the cost in half, and how to plug into the ecosystem the right way as a true go-giver.

CHAPTERS
00:00 Why I made this episode about Subto
01:15 What Subto really is (beyond a “mentorship”)
03:10 Members on go-giver culture, community and accountability
06:00 First creative finance deals, Gator wins & life changes
09:20 How investors use Subto to buy more doors in any market
12:40 Owners Club, Mount Everest goals & bigger impact missions
16:30 How to join Subto (including partner/LLC hack)
19:30 Is Subto worth it and who it’s really for

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who’s on the fence about joining Subto, Gator, or any high-level community so they can hear directly from real members doing real deals.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with former top-producing agent and investor Tim Street to expose the truth sellers never hear about realtor fees, for sale by owner (FSBO), and what really determines the value of your home.

Tim breaks down why 90% of FSBO attempts fail and why the “successful” ones still make about 11% less than agent-listed homes—and then shows how to flip those stats on their head with a step-by-step blueprint, pre-inspections, pro photos, smart staging, and a bulletproof appraisal-gap package.

You’ll learn who should never sell by owner, who absolutely should, how to price so you attract multiple offers (not crickets), and how to engineer showings that create real FOMO and bidding wars—without ever lying, overhyping, or getting sued over bad paperwork.

CHAPTERS
00:00 The truth about who really decides your home’s value
03:34 Meet Tim Street & why agents hate this conversation
07:25 Why 90% of FSBOs fail (and the 11% pay cut)
13:40 Who should never sell by owner vs who should
18:20 Pricing strategy & why overpricing destroys momentum
25:05 Appraisal gaps & the “love letter” to your house
31:30 Pre-inspections, title companies & avoiding lawsuits
38:00 Photos, staging & hotel-style bathrooms that sell
45:00 How to run showings and engineer bidding wars
52:10 Evaluating offers: price, terms, contingencies & risk
59:10 Tim’s 7-day FSBO action plan
1:06:20 The quiz, bold guarantee & investor power pack
1:12:40 Biggest mindset shifts for smart home sellers

Connect with Tim:
Website & FSBO resources: foolprooffsbo.com
Investor Power Pack & 7-Day FSBO guide: foolprooffsbo.com/investors

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with a home seller, agent, or investor who wants to keep more equity, avoid rookie mistakes, and finally understand how to sell a house the smart way—with or without an agent.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated