Real Estate Investor and Nurse, Savannah Arroyo

[00:00] Michelle: I recently looked up the word 'mogul' in the dictionary and found this definition: an important or powerful person. This perfectly describes Savannah Arroyo, who is a nurse by profession and an accomplished real estate investor as well. After years as a nurse administrator, Savannah was seeking a better balance between work and life, aka less work and more life. And that's when she ventured into real estate investing. In just three years since her journey began, she has acquired over $20 million worth of property, partnering with other healthcare professionals to scale her portfolio. She passionately believes that nurses are perfect candidates for investing because of their unique assets, such as time management, organization, prioritization, and delegation skills. She harnessed that passion and began educating other nurses on the benefits of financial freedom through investing. Her contributions to The Nursing Beat newsletter, as well as information on her multiple social media platforms and websites, are nuggets of pure gold. Her advice to nurses who are on the fence about investing? Do the work, educate yourself, and jump in! In the five-minute snippet: It's a dance party! Here is Savannah Arroyo.  Well, good morning, Savannah. Welcome to the podcast.
[01:47] Savannah: Hi. Yeah, good morning. Thank you. I'm excited to be here.
[01:50] Michelle: I'm so excited to have you. I met you on LinkedIn and then kind of through The Nursing Beat as well, which we'll talk about in a little bit, but you just have such an interesting backstory. So tell us kind of how you got to where you are today.
[02:11] Savannah: Yeah, definitely. So, first and foremost, I'm a nurse. I've been nursing almost a decade. I graduated in 2013, so really went right out of nursing school into a Med-Surg floor, and I was naturally drawn towards process improvement and leadership initiatives. I loved solving problems. And so really early on, I went back to school and I got my master's degree in nursing leadership and administration and really had my eyes set on becoming a CNO, a chief nursing officer of a large organization, and I was really climbing the corporate ladder to do so. And then beginning of 2020, after having my second daughter, my priorities started shifting a little bit. I became super focused on looking for alternative ways to build wealth and invest my money so that I wasn't as dependent on my W-2 income. I had to hand over both my babies at three months old and go back to a full time nursing administration job Monday through Friday. It was salary. I'd be getting calls at night on the weekend, and so really just kind of wanted to offset that lifestyle that I was creating and so started researching different ways to invest and build alternative income streams and stumbled upon real estate. For obvious reasons, it's one of the best ways out there to build wealth and really went all in on that. I took out a second mortgage on my home, I liquidated some of my retirement account and within a couple of years I was able to walk away from that full time nursing gig and focus primarily on my real estate investments. I'm still working a couple of days a week in the hospital and also building a startup, Invest Health.
[03:56] Michelle: Yeah, I saw that. And so you're the CEO and founder of Net Worth Nurse and InvestHealth. And I mean, you were pretty much searching for that work life balance. Although I kind of am getting a little bit tired of that term, 'work-life' balance. I look at it more as a life balance. With being a wife and having two small kids, it's like you knew where you wanted to go and you didn't want that kind of work life. You wanted more life with your family, doing the things that you love to do. So I have so much respect for that. When you went into real estate investing, did you have any financial knowledge before you went into investing or did you need to learn to bring yourself up to speed? And if you did, how did you do that?
[04:54] Savannah: Yeah, definitely. So I didn't have any real estate investing background, didn't really have anyone in the family doing it, didn't know anyone doing it. And so it was a lot of self education for that, primarily through podcasts and different books and then further on to network with different people that were in the space. But in terms of my financial knowledge going into it, I mean, I didn't really have any additional or extra training or education on that. Like the majority of healthcare professionals, I mean, none of us are really taught this stuff in school. And so that's really why I became super passionate to build a financial wellness platform, which is what InvestHealth is. But really when it came down to learning more about real estate investing, I was self-motivated. Podcasts were a great start for me because real estate investing is a completely different language. There's a lot of terms, I mean, just like coming in as a brand new nurse into the healthcare space. There's medical terminology and a lot of language and acronyms you don't know. It's really the same with real estate investing. And so learning the language was my biggest obstacle. And listening to podcasts was a great way to do this because I would hear people talking about their experience, how they were making it work for them, and I would just kind of learn the language through osmosis with the podcast and then went on to read books that were more kind of niche, down and specialized in specific asset strategies within real estate investing.
[06:26] Michelle: Well, that's a great way to learn. I mean, podcasts are so full of information and that's really something that I think was a really smart way to learn. And as you were speaking, I was thinking about nurses that I've known over the years and I personally know four or five nurses who are either real estate agents or they're either investing in real estate or both. And is there something to that? Is that something that you think fits the nursing personality or the nursing lifestyle?
[07:02] Savannah: Yes, absolutely. I think healthcare professionals really make the best investors. I mean, nurses are so savvy with time management and organization and prioritization and delegation and all the skills you have to have as a nurse when you're working in any setting. So yeah, I see a lot of skill sets transfer over into the real estate space for sure. For me, I was working in management at the time and throughout the COVID pandemic and we were in a position where we had to shut down our procedural unit. So I was overseeing an orthopedic practice and we were shutting down elective surgeries because they didn't really know what was happening with the acuteities of the hospital at the time. And so I was in a position where I was laying off some of my staff and didn't know if they would get subsidized by the government at that time. And it really opened literally my office door to hundreds of conversations with all types of healthcare professionals, really about their finances and where they're at with their money and their investing. And for me, it was so heartbreaking to see people who could literally go out and save lives, but they were living paycheck to paycheck or completely overridden and student loan debt and not knowing how to do a basic budget. And that was really what motivated me to launch NetWorth Nurse, really as a platform to share these alternative investment strategies with healthcare professionals. Because real estate syndications, which is the asset class that I primarily work in, it's people pooling together their resources, capital and different skill sets to go out and buy buildings that you normally couldn't buy on your own. So apartment complexes and it's a great way for healthcare professionals to passively invest in these real estate deals. I mean, they're not having to do all the heavy lifting and dealing with tenants, toilets, and trash and all that stuff, they're really bringing capital to the deal and still participating in all the lucrative benefits that real estate investing has to offer. So it's a really great way for healthcare professionals to diversify their investments to earn mailbox money or cash flow. So it's literally cash getting deposited into their account every quarter. A lot of healthcare professionals think that the only way that they can earn extra income is to sacrifice their mental health and their physical health to work double time at the hospital or to pick up overtime. And I know that struggle, I did that for many years. And now that I've learned that you can invest your money in these real estate investments so that they're growing wealth while you're sleeping, while you're going to work. It's just really a great opportunity for nurses.
[09:47] Michelle: Yeah, I remember exactly the time that you were talking about in terms of working in a hospital and having to shut down services. That was certainly going on at our hospital, and I'm sure many nationwide. Do you think people in general, but especially nurses, have limiting beliefs about money?
[10:09] Savannah: Yes, absolutely. And I think it's really just kind of the majority of our society, we have this almost taboo that is placed on money, being able to talk about it or not knowing a lot. And especially healthcare professionals, and I've seen this a lot with physicians. They're highly educated, very intelligent, but they don't know a lot about money. And so then there's almost this embarrassment that comes with it in talking about finances openly or investments, it doesn't make sense.
[10:43] Michelle: Because you think, here's someone who's earning a lot of money, but yet they don't know how to invest or they're embarrassed to talk about it. All of those things. There's just that disconnect.
[10:58] Savannah: Yeah, absolutely. So really my whole goal with NetWorth Nurse is just having this platform where I can openly talk about money and how to invest and creating a budget. I mean, I can't even tell you how many nurses I've talked to who have never set up a basic budget, literally, because they don't want to look at where they're spending their money. And I always really kind of fall back on nursing skill set of always starting with assessment. Like the assessment piece is so key, especially when you're trying to gain more control or insight over your finances. You really need to come at it with your nursing clinical, judgment eyes of assessing the situation first, like, where is your money going? What does that look like? What's coming in and going out? And so, yeah, it's a lot of entry level conversations with nurses and other healthcare professionals, which is why I've created tons of different content. I have a bunch on my website just describing basic investing concerns. I realized the more I was talking with nurses about potentially investing in these real estate syndication investments, that a lot of nurses didn't even understand what an ROI was. Return on investment and what that looks like, and how to compare that to the stock market and their retirement accounts. And so, starting with education has been really big in the healthcare community.
[12:24] Michelle: Well, I love your idea to look at it kind of as nursing diagnosis, like your assessment first, right? Because you don't know where you're going unless you know where you are. So I really like that. That's smart. And you do have a ton of content. I love your website. I took your Masterclass for Healthcare Professionals and there was just so much great information. And I have to say, it left me feeling a little overwhelmed, like, oh, my God, this is all so awesome but I don't know where to start. Do you get that reaction from people?
[13:03] Savannah: Yes, definitely. And I've found that it can be definitely overwhelming learning about all these new things and hearing different stories and social media and all that comes with that, for sure. So when I talk to people about getting started in investing, it always starts with your why everyone's motivation behind investing or accumulating wealth or what that looks like. It's so individualized and everyone has a different background and story and so investing looks very differently for each person. And we're kind of coming at this with like a one size fits all approach. And a lot of my conversations with nurses really dig down into how much money do you need to live on a month? What does that look like for you? What are your expenses currently? Are there ways to minimize that? Like increasing your income? What does that look like? Is it picking up extra shifts at the hospital? Do you have money that you could leverage now and put it to work for you? Because I shared earlier, like taking out a second mortgage and a loan on my retirement accounts. Those are pretty risky moves. Like a lot of people would look at that and think that, oh, there's no way I could do that, that's way too risky. But for me it really comes down to looking at the numbers. And a lot of risk in real estate investing can be completely mitigated through proper underwriting and market research. And there's a lot of ways that you can. I mean, so for instance, I had a second mortgage on my home, $100,000. I took it out at a 4.2% interest rate. I'm now taking that money and investing it in real estate that's earning me over 20% average annualized return. So not only can I take all the extra money that I'm earning and pay off that loan pretty easily, but now I have all this extra cash flow coming into my accounts every month. So that's really where leveraging debt comes into place in real estate investing and it's really powerful.
[15:11] Michelle: Well, I love the way that you just broke that down because I think so many times when we think about investing, we just think about the suits on Wall Street and we just get so intimidated by that. But the way you explained it just now was just it's so matter of fact. And when people hear that they could be making 20% on their investment versus the regular 401 is around 8%, that's huge.
[15:45] Savannah: Yeah. Yes, it's a big difference and it's something that just healthcare professionals don't know about. I mean, a lot of the stuff in the financial space and is not necessarily sheltered or hidden but I mean, for instance, the tax code is 5000 pages long. Less than 5% is showing you how to pay your taxes. The other 95% is showing you how to not pay your taxes through different I mean, a lot of people don't know that, right? And investing in real estate, there's so many different ways that healthcare professionals and nurses can shelter their income from taxes by investing in an asset class like real estate. And it's just I mean, you really don't know unless you start talking to people about it or getting into those circles. I mean, even when I was about to take out a second mortgage on my primary home, I mean, that wasn't something that I was telling my parents about because I already knew what they were going to say. Absolutely not. That's too risky. I mean, that wasn't something that I was sharing with a lot of people. It was something that I was learning about by listening to podcasts and then talking to a really good investment lender of learning what equity in my home was. I didn't even know what that was a little over three years ago. I didn't know what I could do with that. And then when he started explaining to me and I started looking at the numbers and seeing logistically how lucrative this could be, that's really what motivated me to take the jump.
[17:14] Michelle: Well, I love it. I love that you are spreading your knowledge to the nursing community. And like I touched on earlier, you're a regular contributor to The Nursing Beat newsletter, which is a digital newsletter for nurses and other healthcare professionals. And I think that's where I really found you because I started subscribing to that newsletter and then I was like, who is Savannah Arroyo? And then I found you on LinkedIn. So one thing led to another. But talk about that relationship with The Nursing Beat and kind of what you do and why you do it.
[17:51] Savannah: Yeah, absolutely. So, The Nursing Beat, they're the only daily newsletter for the nursing community. They publish a lot of great stuff. They have very relevant media about nursing and the healthcare. They have amazing statistics in there that always blow my mind every time I look at it. I'm learning something new. And then they have individual nurses contribute to it every day. So I do Finance Fridays. They have Manny, he does Tech Tuesdays. There's the New Thing Nurse. There's different nurses that are coming up on there and talking about kind of some specific topics that are relevant to the nursing community. Their CEO, Tamara, I know you've had her on your podcast. She is so amazing. Such yeah, love collaborating with her. We hop on calls every once in a while over the last couple of years. So it's been great to kind of connect and grow that with her as well. But we're just both really passionate and you are as well about giving a voice to the nursing profession. We've just seen it in our careers how capable nurses are in entrepreneurship or just becoming leaders within the healthcare system. And so any way that we can help support that narrative is really the goal with that.
[19:18] Michelle: Yeah, it's just fantastic. It's a fantastic community. And through podcasting I have learned so much about this other world of nursing. The world that I've known for 40 years has been bedside nursing and never once thought about business or a side hustle. And I don't know if the pandemic really changed that, but something changed it and now it's just flourishing. And we've talked about LinkedIn and you have a very strong presence on LinkedIn and some of my best guests have come from LinkedIn. But talk about how important networking is.
[20:02] Savannah: Yeah, yes. And even kind of alluding to social media and all, I really use social media as a platform and then also for networking. So first and foremost as a platform because that's what all those different social media channels are, is really a place where you can have a voice. And so I really use it for NetWorth Nurse to provide education and resources and different information about how to build wealth. And so that's really my goal with the different social media platforms. And I'm heavy on all of mean from Instagram down to TikTok, LinkedIn, Facebook, YouTube, just because I know that different nurses like hanging out on different platforms. And so it's a great way to just kind of connect with healthcare professionals wherever they're at. And then also the networking piece has been huge. Going on social media and being so transparent with my life was a little hard at first, to be honest. I'm a fairly private person. But for me, when I realized how much nurses needed this information, I mean, that's really the motivation for me to make those reels and do the videos and all the things because I know that nurses need to hear this information. And by doing that, it has allowed me to network with hundreds and hundreds of nurses and healthcare professionals. And I didn't even really think about the after effect of just now because I use it to share kind of what I'm working on and what I'm doing. It's really like this inbound funnel for people who are just either passionate about certain things that I'm passionate about and it's led to different partnerships down the road, different collaborations. I am all about connecting with other nurses in the space and I've made it a point to connect with different either influencers or different people who are heavy on social media platforms over the last couple of years. Just to. I mean, I truly believe that a rising tide lifts all boats. And so being able to collaborate with the nursing community through social media and networking has just been really big for growth.
[22:21] Michelle: It's just a wonderful community. I can't say it enough. One of the things that I'm currently reading was actually recommended by somebody on an Instagram thread. It's a book called Die with Zero by Bill Perkins. And the premise behind it is that most people oversave for retirement and then they die with too much money and they leave it to their kids or a charity. And usually they're talking about people that are dying in their 80's or their 90's and they've kind of amassed this small fortune and their kids are now in their 60's or 70's and they're too old to enjoy it. This is what the author says. So he advocates for spending your money now in terms of, if you know how much of an inheritance you're going to leave to your kids, give it to them now while you're in your 50s or even your 40s. Same with a charity. Don't wait until they are too old to enjoy the money. What are your thoughts on this?
[23:38] Savannah: Yeah, I haven't heard of that book. I'll have to check it out. That's a very interesting concept and I think something that definitely needs to be acknowledged. What I have seen with the mentality of saving is very interesting, especially with nurses. I've had a lot of different conversations. Like, for instance, a nurse approaching me and saying, interested in the real estate investments I was talking about and had maybe $100,000 saved in a savings account. And she was just like, man, I mean, how did you get the courage to take the first step? I have $100,000 sitting in a bank account and I'm just too nervous to do anything with it. And it was really kind of just a basic education of what inflation does to your money when it's sitting in a savings account where it's not earning any money. I mean, the way inflation has risen over the last couple of years, anyone who's had $100,000 sitting in a banking account that's not earning any interest, I mean, you're losing money on that just because of the way that works. So my big push for that is even taking that $100,000 and investing it and now putting it to work for you. I mean, that's really all that investing is it's taking your money and putting it to work for you. And I allude to this to the fact of healthcare professionals who work so hard for their money, encouraging them to put their money to work so that it's working just as hard as they are. There's a big difference between taking that $100,000 that you have sitting in a savings account and putting it into an investment where it's earning you anywhere between 6% to 20% year over year on returns. I mean, we could talk a whole nother conversation about compounding interest and that type of stuff. But yeah, there is I think this almost a deficit when it comes to people or misconception about really what saving does and the motivation behind that and really what the goals are with it.
[25:38] Michelle: Yeah, I thought it was such an interesting book and pretty controversial, but I feel like people might oversave because we are constantly getting that message that we have to have so much money in retirement to get us through the rest of our life and you don't want to run out. And so there's this paranoia and that's what he says was behind kind of this mentality to just save, save and not spend it, but definitely more to come on that. I read a recent blog post of yours in The Nursing Beat, and it was Five Easy Steps to Get Out of Debt. And it was great. It was very succinct and I loved it. And I want to know, is there just an expectation of most people that they will carry debt? And why do you think that it's important for nurses and other healthcare professionals to get out of debt?
[26:46] Savannah: Yeah, what we see with debt, with healthcare professionals and nurses especially, is the student loan debt that they're accruing just from getting that education. And so now they're coming out into their careers with a good amount of debt and not really knowing the best way to pay it off. And there's a really fine balance between paying off debt and then investing. Some people think, okay, I need to pay off all this debt before I really start investing. And again, it comes down to the numbers. So if you have a credit card debt with an interest rate of 17%, then yes, you're going to want to pay that off as soon as possible. If you have a student loan debt with 3%, then maybe it's not something as critical that you're paying it off as quickly as possible. So debt looks very different from person to person. And really what we're looking for to determine whether you want to pay that off sooner rather than later is the interest rate that you're getting on that and then where you could use that money to invest and potentially grow more in addition to paying off the debt. At the same time, debt is a big topic, especially for healthcare professionals because a lot of them are coming into their careers with that debt. And so it's a big talking point for us in terms of just education.
[28:17] Michelle: And we're doing things like working extra shifts and travel nursing and trying to maximize our earning capability in order to pay off that debt. And then that kind of contributes to burnout. And another great nursing beat article that you wrote was Three Ways Burnout Costs Nurses Money. What are some of the mistakes that we're making as nurses financially if we're burnt out?
[28:48] Savannah: Yeah, so what I'm seeing with the burnout is, again, like you're saying, people are thinking that they need to pick up extra shifts. I mean, I can't even tell you I'm still working part time in the hospital. Like every single day I go into the hospital, I hear nurses venting about their finances in some capacity. And really the majority of W-2 workers think that the only way to generate additional income is to work those extra shifts. So, yeah, it was super cool to see Nursing Beat put out today that with Connect RN, that 50% of nurses have a side hustle. That number just blows my mind. And it just goes to show that nurses are now thinking or pioneering or investigating different ways that they can grow wealth outside of the hospital because it is so tough to pick up an extra shift. I mean, even now, working two shifts in a row for me and on a busy Ortho-Med-Surg floor, I come home and I'm so physically exhausted and just dealing with a 28 year old who is in end-stage renal disease and getting dialysis three days a week and a 94 year old who broke her hip. And the patients that you're dealing with in the day to day, it takes a toll on you. And so just looking for different ways that nurses can build wealth or earn extra income outside of sacrificing for extra shifts is really a goal with that.
[30:26] Michelle: There just has to be something different than just working more, right? Because that's not working. It's just leading to lots of catastrophic feelings and emotions that are not good for us. Every time I hear you talk, Savannah, I hear this passion that comes through and I want to know, where does this passion to help nurses achieve financial freedom come from?
[30:56] Savannah: Yeah, it's really working, honestly, as a nursing administrator for so long and a part of what drove me into leadership is I love patient care, I really do, but I really love supporting nurses even more. Like, I loved working in leadership and administration and finding ways that I could make my nurses lives easier, different resources that I could provide to them, different processes that I could improve. And it's really because I see what healthcare professionals do every day. I mean, being in the healthcare system almost ten years now, it's just the things nurses and doctors and my physical therapists and respiratory therapists do for these patients. It's so inspiring and it makes me so motivated to share this information more with healthcare professionals because a lot of them just really don't know that and that there are different ways to build wealth and invest their money. And so really, just being so close to my persona or my community of nurses, that's really where the passion comes from.
[32:06] Michelle: Yeah, I think it takes somebody like yourself on the front lines to really know exactly what nurses and other healthcare professionals are going through on a daily basis and wanting to kind of lift them out of that and help them see that there's another way. So wow, I love what you're doing. Well, as we wrap up, what advice do you have for nurses who are on the fence regarding real estate investing?
[32:41] Savannah: Yeah, I would just say start educating yourself a little bit. Start looking at some numbers, looking. At deals, what it looks like. I know I've talked about the numbers a lot, but in real estate investing, there's a lot of ways that you can add value and force appreciation into deals. So what we're doing for our deals is flipping apartment complexes, and there's ways that you can go in there and decrease expenses and increase income, and it gives you a lot more control over your investments. I mean, I can't say anyone who has that much control over their 401 accounts, but with real estate, it's a lot different because it is a tangible asset. So there is a lot more control that we as investors and operators in the deal can have. So if you're interested in it, I'm more than happy to talk to anyone about real estate investing. I would love to chat, but a lot of resources on my website, listening to kind of some podcasts, hearing people's stories of getting started, that was really motivating for me.
[33:45] Michelle: Well, I know there's going to be people that are going to want to reach out and where can they find you?
[33:50] Savannah: Yeah, so I'm really active on all social media, so NetWorth Nurse is my handle on almost all those Instagram. It's the NetWorth Nurse, and my website is networthnurse.co.  And on there I have a bunch of videos and downloads and worksheets and blogs and different podcast episodes. So yeah, any information about real estate investing, you can find there. And then I have my email and a contact form to set up a call.
[34:19] Michelle: Well, you are out there and you have a lot of ways to contact you, and I love it. I love what you're doing. I love that you are giving nurses a way to change their lives dramatically for the better. So thank you so much for coming on today and sharing what you do and why you do it.
[34:42] Savannah: Awesome. Yes. Thank you so much for having me. It's been a pleasure.
[34:47] Michelle: Same. Well, you know, at the end, Savannah, we do the five minute snippet and it's just five minutes of fun. It's a way for my audience to see you, you know, when you're not so serious about nursing and investing. So are you ready to play?
[35:07] Savannah: Yes. Let's do it.
[35:09] Michelle: All right. Would you rather have the ability to see ten minutes into the future or 150 years into the future?
[35:25] Savannah: I would say 150 years into the future. I think that would be really cool perspective.
[35:33] Michelle: Very cool. Yeah. If you had a choice between two superpowers being invisible or flying, which would you choose?
[35:42] Savannah: Definitely flying. I love that.
[35:46] Michelle: Oh, you're brave. I'm going to Seattle next week and it's only a two hour flight and I have a few nerves, but I've flown a lot, so I'll get over it. But man, power to you. You've been given an elephant and you can't give it away or sell it. What are you going to do with the elephant?
[36:10] Savannah: I can't give it away or sell. Huh. I would have to find a home for it because I don't think it could live in my backyard here in Santa Rosa. So I would start exploring different areas nearby where I could maybe rent some housing for it.
[36:30] Michelle: Oh, love it. Okay. Got to get that in there, right? Rent some housing. Would you rather be forced to sing along to or dance to every song you hear?
[36:44] Savannah: Oh, man, singing is great, but I love dancing because that physical aspect of it brings a whole different flow state. I do that with my daughters pretty much every morning just to get the wiggles out and start the day with some good energy. So I'm going to say dancing.
[37:05] Michelle: That's fantastic. I love it. My granddaughter's six, and she loves to dance, and I'm a singer. I'm one of those people in the car that you look over next to you and singing away.
[37:17] Savannah: Yes.
[37:18] Michelle: If you were a dessert, what would you be?
[37:22] Savannah: Ice cream. That is my all time favorite. And it is so versatile. There's so many flavors out there.
[37:28] Michelle: And toppings.
[37:30] Savannah: Yes, exactly.
[37:32] Michelle: Would you rather be chronically underdressed or overdressed?
[37:39] Savannah: Hmm. I do not like being cold, so I would say chronically overdressed.
[37:46] Michelle: Okay, love it. And you live in Santa Rosa, girl.
[37:51] Savannah: Yeah. Wow.
[37:53] Michelle: Yeah. Okay, what was the last gift you gave someone?
[38:01] Savannah: Gift? Man, I went to a six year old's party last weekend and had to get some Barbie doll for that. But I'm going to say a book to my business partner. I sent him Who, Not How by Dan Sullivan recently, just because I loved it so much, and he's across the country in Atlanta or in Augusta, Georgia. So, yeah, that was probably one of the last gifts I gave.
[38:25] Michelle: Those are the best gifts. I love it when I get a book. That's awesome. If you had to be shipwrecked on a deserted island but all your needs like food and water were taken care of, what two items would you want to have with you?
[38:45] Savannah: That is a good one. Two items. I would just say my phone, although it's a double edged sword, and sometimes I think I could go a whole month without it. That it does have my email, my notes, my calendar. I mean, not that I would need it on a deserted island, but yeah, I think a lot of stuff there on my phone and then probably a notebook, because I do enjoy writing and journaling. That's something that I've started up more recently in the last six months, and I'm loving it so far.
[39:23] Michelle: Well, we were talking about books a moment ago, so if you could only read one book for the rest of your life, what would it be? 30 seconds.
[39:33] Savannah: Think and Grow Rich. That's just one of my all time favorite mindset books. It's Law of Attraction subconscious training type stuff. There's a lot of good stuff. That book, I think, has been around over like a hundred years or something, so it truly is timeless.
[39:52] Michelle: Well, I'm going to have to make a trip to the library again, so thank you for that recommendation. And thank you, Savannah, so much for everything that you're doing and for being here to share it. I really appreciate it.
[40:04] Savannah: Yeah, no, it's awesome. The more information I can get to healthcare professionals around investing and building wealth, the better. So thank you for having me.
[40:13] Michelle: Yes, my pleasure. And I will leave all of those contacts in the show notes so people can reach you. And you have a wonderful rest of your day.
[40:24] Savannah: Awesome.