Codie Sanchez

"Borrow the week. Stop guessing how to run the business. Look at how operators ahead of you spend their time."

"Decide once. If a decision repeats, it shouldn't live with you. Document it. Push it down."

"Keep the three. Only keep decisions that affect capital, people, or direction. Everything else is noise."

"Won't you spend $6 to sit across from someone who could 100x your potential? The entire specialty coffee industry could double prices tomorrow. And if you do it right, it's still probably worth it."

"You auto make sure that you invested in something like Wealthfront. That is a micro decision that is for the positive."

"Record a Loom, drop it in a doc, never explain it again. Every system is a silent employee."

"I started out with an AI assistant. You could use one like Kowi."

"Mortgage recasting. Rare but real. You make a lump sum principal payment. Lender recalculates your payment. Your monthly payment drops."

"I'd like to explore a rate modification. I've been a strong borrower, but current market rates are lower. What programs do you have for a permanent rate modification?"

"Say, I'm being offered X% with another lender. Can you match it or beat it? Then ask for perks. Do you have any rate reduction, loyalty, or hardship programs I can qualify for?"

"Here's what I expected to do this year. Here's what I actually did. Based on exceeding my metrics, I'd like to request a raise of X."

"Audit your fees. Move to low-cost providers or negotiate the rate down. Say, 'What's the expense ratio and do you charge me a management fee?'"

"I want you to put that big decision you need to make on the calendar. The day that you need to quit the job you hate, the day you need to launch the product, the day you need to fire that person, the day you need to leave your relationship, whatever it is, put it on the calendar."

"All you have to bring an open mind, some crazy ideas, your laptop charged important ChatGPT or Claude and Replit."

"All you have to bring an open mind, some crazy ideas, your laptop charged important ChatGPT or Claude and Replit."

"All you have to bring an open mind, some crazy ideas, your laptop charged important ChatGPT or Claude and Replit."

"I like the classic 50/30/20 rule. Almost everybody in finance knows this rule. 50% of your paycheck goes to needs, 30% to wants, 20% to savings, investing."

"The second thing that I was taught in finance is having an FU fund. You save 3 years worth of your annual living expenses."

"What about 10% into savings that you use to buy a cash flowing business? A lot of what we talk about with people who are in jobs but want to buy one is called an ownership tithe."

"If you put 100k into the stock market instead of home equity 20 years ago, you'd likely have an extra 350,000 to 450,000. Stocks beat owning a house by 3x over 20 years."

"These are the small but high-frequency tasks nobody wants to do when they have money. Grocery deliveries, pet walking, dry cleaning, pickups, errands."

"These are the small but high-frequency tasks nobody wants to do when they have money. Grocery deliveries, pet walking, dry cleaning, pickups, errands."

"So now you're solving problems they can't do themselves or don't want to. Smart home setup, personal styling, organizing, low competition, high-value niche."

"So now you're solving problems they can't do themselves or don't want to. Smart home setup, personal styling, organizing, low competition, high-value niche."

"You write down the 10 things that drive 80% of your profit. Then, build a system so someone else can do 80% of them. This is called Pareto's principle."