If you’re buying a business for $2 million or more with an SBA loan, the rules change on October 1, 2026. The new rulebook, SOP 50 10 8.1, raises the debt service coverage floor to 1.25x for first time buyers, requires an independent Quality of Earnings report on any deal priced at $3 million or […]
SBA Loan Changes for October 2026: What Buying a $2M+ Business Actually Requires Now Read More »
In this episode, Lou Brown sits down with Paul Graham from Austin, Texas, to discuss real estate investing, tax strategies, wealth building, and creating a life driven by purpose instead of ego. Paul shares his journey as a serial entrepreneur, explains how high-income earners can legally reduce taxes through real estate and alternative investments, and
The Philosophy of “The Investors Guide to Joy” In a world obsessed with comfort, convenience, and the path of least resistance, why would anyone intentionally choose a challenge where they might fail? We are conditioned to seek safety and certainty, yet many of us find that despite having “everything,” we feel an underlying sense of emptiness
The Mission Mindset: 3 Reasons to Embark on a Misogi This Year Read More »
The Danger of the Plateau Complacency is a silent career killer. It often doesn’t look like failure; it looks like “fine.” It feels like a “waiting phase” you’re doing the work, your performance reviews are positive, and the results are stable, but the internal spark is gone. You feel stuck in life or professionally, unsure of what
Trapped in the “Waiting Phase”: How to Break Professional Complacency Read More »
The Cycle of “Safe” Goals We have all been there. New Year’s resolutions, quarterly KPIs, or the classic “Monday starts.” We sit down with high intentions and craft goals that are SMART—Specific, Measurable, Achievable, Realistic, and Timely. But there is a hidden trap in the “Achievable” and “Realistic” parts of that formula. When we set goals
In a world obsessed with comfort and “life hacks” designed to make things easier, we’ve inadvertently traded our resilience for convenience. We stay within the safe lines of our daily routines, avoiding the very discomfort that is required for true transformation. But what if the key to unlocking your highest potential wasn’t found in a
Redefining Your Limits: The Ultimate Guide to the Misogi Challenge Read More »
Most of us live life in the “immediate.” We react to emails, manage daily chores, and navigate the week’s financial hurdles. While this helps us survive, it rarely helps us thrive. True transformation—the kind that moves you from living paycheck to paycheck to building a creative legacy—requires a shift in perspective. It requires a Three-Year Vision. A
The Power of the Three-Year Vision: How to Architect a Life of Purpose and Joy Read More »
We often spend our lives building careers, managing finances, and accumulating assets, yet we rarely pause to consider the most important “investment” of all: our legacy. While the word “eulogy” typically evokes somber thoughts of the end, it is actually one of the most powerful tools available for living a more intentional and joyful life
In our fast-paced, always-on culture, most of us wake up to the sound of an alarm and immediately surrender our time to other people’s priorities. We react to notifications, scramble through a chaotic workday, and collapse into bed feeling drained rather than accomplished. But what if you could take the steering wheel back? What if you
Designing Your Ideal Day: The Ultimate Blueprint for Balance, Fulfillment, and Joy Read More »
I remember the exact moment I qualified as an accredited investor. It wasn’t the status itself that excited me—status means nothing without substance. What excited me were the doors that suddenly opened. Investment opportunities I’d only read about became accessible. Tax strategies that seemed like urban legends about “what the wealthy do” became available options in my own
