In this episode of Cash Flow Pro, we talk with Megan Greathouse of Great Houses LLC and Horizon Sign Company. From growing up in a military family and moving every two to three years to joining the marine corps and getting a corporate job in...
In this episode of Cash Flow Pro, we talk with Megan Greathouse of Great Houses LLC and Horizon Sign Company. From growing up in a military family and moving every two to three years to joining the marine corps and getting a corporate job in marketing, Megan had life figured out until she became a mom. Then she noticed the importance of being present, decided to become an entrepreneur, and bought her first multi-family. Today, she tells us how she balanced it all and took advantage of her education to create opportunities.
Horizon Sign Company is a woman- and veteran-owned business in St. Louis, MO, founded by Megan Greathouse and her husband. This full-service custom signage creator helps organizations drive growth. Horizon Sign Company’s mission is to create signage in line with your organization’s specific marketing and communication needs – ensuring it is high-quality, on-brand, and impactful.
In this episode, we discuss:
• Military real estate benefits
• Un-bankable, what it means and how it works
• The reality of bank loans
Tune in on this episode to find out more!
Find your flow,
Resources mentioned in this podcast:
Casey Brown 0:00
At the end, we got to stay on until it gets to 100% Upload Hey there and welcome to today's episode of cash flow Pro, your daily real estate investing podcast and YouTube channel. I am here today with Megan grade house of Great Houses LLC and horizon Sign Company. I'm know I'm reading that because I wanted to make sure I had all of that stuff correct because you are going to get a story today like many of our guests, she decided one day that she was going to just give that nine to five the boot. These two great companies were born out of it. And she is a seasoned investor and also running a side company on the side. So Megan, how are you today?
Unknown Speaker 0:49
I'm doing well. How are you?
Casey Brown 0:51
Oh, great. We're wonderful. We're blessed. We're very glad to be here. And I'm glad to have you on here to share your story. So let's jump right into it. Let's chat real quick. I know we were talking pre show about some, I think basically your your your entire pre real estate life revolved in around or on top of military life of some kind. So tell us a little bit about all of that. And then eventually, what led you down the path of saying, hey, this nine to five is gotta go?
Unknown Speaker 1:24
Sure. So like you said much of my life, all the way into and through part of adulthood revolved around the military. I was born to a military family. My dad was a career Marine. I bounced around every two to three years. We were talking about how it's funny that I own a bunch of real estate now because we didn't own any houses when I was growing up. Because we moved every two to three years. We were living on base housing or renting nearby. And then I you know, graduated high school, right as my dad was graduate or retiring from the Marine Corps, decided to go to college and halfway through college thought, I don't know like this. This is a big culture shock leaving the military lifestyle and it was kind of cool the things they did. So I think I wanted to do that, too. So I joined the officer candidate program and go to the trainings in the summer. And then after I graduated college, I was commissioned as an officer in the Marine Corps. Oh, yeah. So yeah, I did the whole officer in the Marine Corps thing for four years active duty. My husband actually was also a Marine officer, we knew each other in college and then kind of ran into each other again, while we were active duty, oh, he
Casey Brown 2:28
went the same path. And you all met back up after?
Unknown Speaker 2:32
Yeah, we were both at the same college. We knew each other through friends, because we were both in the officer candidate program. And then we kind of bumped into each other while we were active duty. So it was funny how that happened. We ended up getting married while we were active duty and came back to St. Louis together. It's where he was born and raised and where my dad's from. So that's why I came to school in St. Louis.
Casey Brown 2:52
Cardinals fans, Cardinals fans, right?
Unknown Speaker 2:54
I hope we are Yeah. Of course. Of course. Yeah. Blues.
Casey Brown 3:01
That's right. That's right.
Unknown Speaker 3:02
Um, but yeah. So after that we we then built on that career in the military, because we had these great GI Bill benefits. And we use that to go back to school and get our MBAs which was what kind of thrust us into the corporate world. And I worked at a major food company, a pet food company here in St. Louis. And anyone who's from St. Louis, or knows it will know exactly what I'm talking about. And my husband for a giant alcoholic beverage company. And we, you know, we're having fun for a couple years there, and these nice cushy salaries and everything. And then we had a baby. And that just anyone who has kids also knows how that just changes everything. And I didn't think I mean, I knew I would be excited about having a child, I was really looking forward to it. I knew I would love this baby, so much. But I had no idea how much it would change my perspective on how I wanted to spend my time and what I was willing to do for my long term career. And even though I really, really loved what I was doing, doing marketing and brand management for this big company, I did not love the lack of flexibility. I didn't feel like I had say over my own time. Anytime my kid got sick, I felt guilty that I had to call in and say sorry, I've got to stay home today. And we were at a very family friendly company. So I can only imagine what it's like for companies, people who work for companies that aren't that way I was at one that was very family friendly and I still had this guilt in this kind of it was just rough trying to balance it all and feel good about it. And I don't think the balance necessarily gets easier. You know, being an entrepreneur with young kids is also very difficult and takes a lot but I just feel so much more in control of my own time. So it was in 2017 When my daughter was about a year old that I bought my first small multifamily um, just you know, residential rental property, kind of rolling from there and by 2019 I was leaving my full time job to focus on that and Mike It's
Casey Brown 5:00
awesome. And that's a that's a great story. And I'll tell you, I can't, I can't even begin to I think there's there's got to be a correlation between the military ownership and real estate investing, because I can't tell you how many how many, either active or passive duty officer, well, I say, officers, military folks that I've had on my podcast, who use that GI Bill to really kind of give them that springboard of saying, Hey, we're going to loan you this, you know, of being able to either get that 100% loan to start with, and then build some equity that way, or at least just somebody being willing to say, hey, we'll loan you the money, no matter I mean, even if no matter if it was, whatever percentage it was, but, but so, you know, and I think that there's so there's a correlation between that and the systems that are involved post, like, like, people go back. And they they're like, because military officers I know, again, we live right down the road from Fort Campbell. So I've had tons of experience with them, and everything's boom, you know, they're they operate locked away our operating, that's kind of like, I think why we get along so good. But, but when you systemize that stuff, and then coupled with the ability to start by having the ability to borrow money to start, I guess what I'm trying to say. So all of that coupled together, and then the systems and everything, it just kind of seems like it takes off. So, so 20 this Okay, so let me let me step back to the 2019. You gave the W to the boot and said, Hey, I'm going full time real estate now. Let's talk. Did you live in the first house that you all bought? And then rented? And how to? How did all of this come about where you first were like, Hey, I'm going into the real estate space. And he was at a rental. Was it a commercial property? What was the what was the beginnings of all of that?
Unknown Speaker 7:01
Yeah, great question. So the funny thing is, you know, I give this little short bio, but, of course, there's a lot of bouncing around in there. Oh, so when I first graduated from college, my dad gave me a few books because he was basically like, Megan, don't, don't screw things up. You know, you've got some college loans and all these different things going on, make sure you pay attention to your finances and how you're planning for your life. So he gave me a few different personal finance books, one of which was Rich Dad, Poor Dad. All right. You're gonna say that? Yeah, yep. Along with total money, makeover and Millionaire Next Door. So you know, a good variety, but all kinds of very basic, foundational type of books. And Rich Dad, Poor Dad, of course, planted the seed of real estate. So even when we were young, we were just newly married. I remember being in Afghanistan and reading some of these books, too. And my husband and I were would message back and forth about like, well, what, what will we do? And should we get into real estate? That's interesting, and our thoughts on that, but it took us years to actually get into it. The first thing we actually did was we use the VA loan, so the 0% downpayment loan to buy a house of our own right after we got out of the military, so when we were active duty, we didn't buy anything. But right when we finished and we move back to St. Louis, we use the VA loan for 0% down, I think we still actually put a little bit of money down because there's something weird in my like Dave Ramsey part of my brain that was anxious about the 0% down loan. But we bought in 2012, which was a pretty good time to buy, you know, it wasn't, wasn't so tumultuous anymore, but it wasn't like anything had skyrocketed again yet. So when we were ready to buy our second home, because we had got gotten these corporate jobs after our MBAs and we knew where those were, they were all the way downtown, which is kind of far from where we purchased. We decided to buy something closer in and we kept that first house as a rental property. Yep. And we're both military. It was very easy for my husband used his VA loan on the first house, I use my VA loan on the second house, which is where we currently are now six years later. So we had almost no money down between these two houses. Sure. And we were able to kind of dip our toe in the water of owning residential real estate, and everything that I purchased has just been residential, small multifamily residential rentals. So our first test was just that single family home and it didn't even cashflow that well. You know, I barely knew how to run numbers at that point. We just knew that the rent was higher than the PII taxes insurance so we're like That's good, right? No, like by the time you took everything else out. It was I mean, I think it was less than $100 per month on this like, you know, $250,000 house, but it let us peek into it and get like the your feet wet actually understand by doing
Casey Brown 9:54
your foundation. It's pretty good foundational builders to be able to do dip your toe in there and you're not losing money? No,
Unknown Speaker 10:03
actually, I think we made way more money on that house by holding it those extra two years while we're renting it out, because, you know, the the market just kind of kept going up still pretty slowly but surely at that point, but I mean, by the time we sold that thing, we had a good chunk of cash that came back to us from it, that we then were able to put into more multifamily buildings.
Casey Brown 10:23
Awesome. And so and that was you bought that in 12 and sold and what year?
Unknown Speaker 10:29
We sold in 2015.
Casey Brown 10:32
Okay, and is that right?
Unknown Speaker 10:35
No, that wouldn't be right. 2017 I think it was. For five years. We lived there for just over two years of the five years. So it was also tax free gains,
Casey Brown 10:46
I want to jump I want to dig real quick into that just because so many people miss that. miss that. And I guess anybody that's been in any type of real estate business or have an accountant that's worth two nickels. Can they'll tell you that you two of the last five years now, military, I learned not long ago? Don't you have a little bit longer period to have? A little bit longer period than five years?
Unknown Speaker 11:16
I wouldn't be surprised because we never owned while we were active duty. And I would bet that something that would apply maybe to active duty. Because I'm sure it has to do something with I mean, it even like leases. Military, there's always a way for active duty military personnel to get out of leases early if they have orders showing that unexpectedly
Casey Brown 11:37
without a lot around. Especially with you know, with our Yeah, we do a lot with that around here. And I'll tell you, so you were all you all were kind of in the game post Oh, 789 the era that that we all? Like everything in my life is pre pre oh seven post, oh, seven or pre Oh, eight post. Okay. And so when you all were we're finally on some solid ground, and you got you sold that house in 2017? How much cash over and above what you owed on it? Did you did you make like, of course you were paying it down? So obviously you're you're not making cash flow necessarily, but you're making equity, you're building equity with every payment that goes in. So how much cash did you all make on that deal?
Unknown Speaker 12:26
Oh, yeah, I wish I looked at the numbers before this. Oh, it's 500 got our check back after closing. And we put probably 15 to 20 right before we sold it and sprucing it up like completely fresh paint throughout New carpeting a couple touch ups here and there. Just because it had been, you know, renters with dogs had been in there for a couple of years. So we spent a little it wasn't, it wasn't bad, but you know, we spent some money made sure that it would show well and sell quickly. And I wanted either our check with 70 and we had put 15 and 20 and or our check was 90 and 70 was I can't remember which but it was I mean, it was a good chunk that went to one or more rental properties pretty quickly.
Casey Brown 13:10
If you look at it, like if you look at it from the standpoint of let's just say it was 70,000 You know, that's that's gives you the ability basically to borrow 350 Well, that gives you the ability to borrow 280,000 Plus that 70,000 So you know at a 20% down unless you're working with a bank so yeah, I mean it basically lets you kind of let that house have babies if you will, of other properties that now you're that now do cash flow because they were either bought differently or underwritten differently or whatever the case is so so tell us how what is the business like today? What is what is great houses, your company what is great houses, like how many doors does it have? What is the what is the current status?
Unknown Speaker 14:00
Yeah, so great houses is kind of I mean, it's a small but mighty, I've been just buying a couple of things per year for several years now. We've got 26 units across different areas of if you know St. Louis sell city and mid County, St. Louis, which are all kind of really solid rental areas, attract a good variety of tenants. But good quality tenants is always something I'm focused on because I self manage with an assistant so I keep management in house and my plan going forward is to continue to build the in house management rather than outsource. So I'm always thinking about quality of tenant. We own 14 of those doors, ourself and then the other 12 with one partner. So we've started taking on some money partners from just the circles that I've worked with and been involved with. I do a lot of networking in the area. I have a couple real estate networking meetups that I run with, you know a friend or To each here in St. Louis. And those have been really, really awesome just to build relationships with people, you know, depending on when you start real estate, when I started it, I was still working that nine to five. And I bought my first four family and I was so excited. And you know, I talked to my husband a little bit about it, but he was more like there to sign the documents. He wasn't really super involved with it. And I didn't know anyone else who was doing real estate and I, I'm a social person, I'm very extroverted. And so I was like, Well, who can I talk to you about this. So I started getting people together from online forums to come together in person and network and talk about real estate. And that's taken us far. And that's how we met some of our now good friends and money partners on some of these deals.
Casey Brown 15:41
Awesome. That's great. So you so you have 12 units with with one money partner, and 14 that you all are, are on all by yourself. And then now how many is it? Is it some quad? plexes and some triplexes? Are they all are majority of single family? What was that breakdown? It's all fours and twos. All Fours and twos. Okay, awesome.
Unknown Speaker 16:05
Yeah. Yeah, and kind of a funny, something that I like to look at that that gives me excitement for the years to come is we from 2017 through the first half of 2021, sorry, 2021. We I got 10 units accumulated. And there were a couple of other things in there, I did a couple flips and such but, you know, 10 units in those years. And then from July of last year to present, I've purchased 16 units. So I'm very excited about kind of the trajectory now as we've got our feet under us if one of the funny things about it is when we became quote unquote, on bankable because my husband also left his job. And we started a new company together was when my, my work with real estate took off a little more because I was forced to go commercial and learn in commercial lending and build some some, I guess, networking with the bank, with the
Casey Brown 17:04
backs to the step back to the term on bankable, I know what it is, but I'd like for you to explain it to the listeners. So we
Unknown Speaker 17:11
are just so folks know out there the quote unquote term on bankable a lot of folks in real estate will use that when they are at a point where they're not able to get conventional loans. So we by all means we're able to get commercial loans. And and in fact, in many ways, it feels easier than it used to feel getting conventional loans. But we no longer fit the box that Fannie and Freddie put for lenders who are doing conventional loans and might resell it on the secondary market. So if I'm and correct me if I'm saying any of that incorrectly, but basically, we don't have the nine to five, that the W two or two years of tax returns showing that our business is giving us
Casey Brown 17:50
that's the biggie that year, that's the that's the biggie that people run into is that two years tax returns, you know, I can't tell you how many times I've had people show up on my proverbial doorstep, ready to buy a house, making good money, just started a lawn mowing business or just started whatever business six months ago and they're like, Man, this thing, you know, I'm making more money, and I know what to do it, I'm ready to buy a house and, and you always set them down. And if they if they haven't had now, it's not that they can't buy a house, but they had you can't use that income that you're currently making. Or even if you've had one tax return with that income, you can't use that income and that income has to be excluded, then you have to use what's left to see what you qualify for. So yeah, the two years tax returns is the that's the that's the biggest probably hang up a sign of everything else you mentioned. I mean, everything else now all of a sudden, you know, when when when you call like my wife and I got a a conventional mortgage on our house that we live in now. And I mean, it was just it wasn't that we were necessarily unlivable around bankable, but it was a considerably longer process because it was just like, once you're self employed, it's you take on a whole nother, I guess, risk level, honestly, for the lender, because that lender now has to say, Okay, what happens if this like for instance, if you're a real estate person, what happens if the market goes down? Okay, then the guy doesn't have money to make payment that he's using the same income now. So So you take on a whole nother risk level. And I think if I'm not mistaken, some lenders or some underwriters, I guess require that they stretch that average across a certain period of time. Sometimes they shorten that sometimes they lengthen it depending on I think on how the economy is performing, but when you go to borrow that money, you have to meet basically a whole nother level of of criteria but like you said, with the the benefit to that is if you're banking at small town, already even medium sized bank in town, that's a local branch for your state or whatever, or a local bank for your state or whatever, you tend to take on another level with them where if you needed $250,000, basically, the only thing it's contingent upon is them getting an appraisal on that property. And you call them up, say, Hey, I just bought this, I've got 40, I've got, you know, 50 down, I got my 20% down. We're gonna buy this, can you go and get things started, then at that point, a lot of times, at least my bankers will say, can you send me an updated financial or, you know, just something quick, you don't have to go through the full formalities. So anyway, I didn't mean to, I always get talking off like things like that. But I do appreciate you digging into that, because I think there's a lot of folks out there that need to understand how these commercial loans get started and what you have to do. And a lot of times it requires people to work two jobs. I mean, you know, people, if you ever want to count that long loan income, or if you ever want to count that, whatever income that you have additional, you have to work your regular job, as well as that additional income if you need both. That makes sense,
Unknown Speaker 21:10
at least so you get through that two years, and you can show a track record but but I do think that when you're buying for investment commercial is there's some downsides. Of course, you've got some some different terms, there's going to be refinances along the way, you don't just get 30 year fixed rate forever. That just locks you in until it's paid off, which is very nice for conventional. But on the commercial side, once you build those relationships, and you can show a track record, it is like you were saying it's easier. So the commercial bank banker that we've worked with has, you know, my personal financial statement, which I update, you know, roughly quarterly with him, he's got my current rent roll of all the units and who's in there, and how long your leases are and what they're paying. He knows my big picture income and expenses for the business. And when I come to him with something new, and I show him my pro forma on how I think it's going to perform, he is underwriting based on the deal, not based on my w two income. So that's a big difference between conventional and commercial is the commercial lending is based on they want to see that you have experience and a track record and some level of financial stability, some sort of net worth that shows that you're building wealth, and it's going in the right direction. But a lot of them deciding yes or no on a loan is based on the deal itself. And yes, you see the cash flow and the business proposition behind this real estate that you are have under contract. So we're gonna give you the money and your ability
Casey Brown 22:39
to operate said real estate. I mean, once you once you've proven that you have the ability to evict a tenant that is not paying and is troublesome and worrisome and bothersome. And once you've proven that you can accommodate that, what it takes to do that, because I'm not gonna lie. I mean, sometimes evictions are tough. I mean, they're tough mentally. And I've always part of my, I guess if I were to say my weakest point, is when kids are involved. I have always had a problem with you know, the parents live this lifestyle of, you know, we'll Band Aid it all together and keep it going and whatever. And then it comes down to you know, it's December 1, and you're heading into the holiday season, they haven't paid rent in three months. And now all of a sudden, you're stuck with a moral obligation to humanity, basically of saying, Hey, do I put these kids out at Christmas time and get my business back in line? Or B? Do I just say, Hey, this is me paying it for whatever the case is. And so yeah, once you've proven that, you can do that. And the bet big to a bank is saying hey, I've done this, I can do this. This is my track record, because honestly the officers have to sell it up the line as you gain as that snowball gets bigger and you become more of a liability to that bank in terms of what assets you have borrowed from them. They have to send it up the line you don't just deal with one little loan officer as you know then you have to get the opinions and then you know a bank that I used to bank at had had where the board had to sign off once you got to like 5 million or something like that board had to sign off on anything additional and so anyway now real quick, let's talk a little bit so so so you all so 26 doors, I want to jump kind of jump over the to another lily pad here and discuss the sign business because not that the sign business necessarily has a lot to do with real estate which is what we talk about a lot on this podcast but the reason why I want to jump over there is because pre show we you are not poke a little bit about an SBA deal. And then how that kind of fits into this whole, this whole stack of Legos, I guess, if you will? And how does that? What does that do for you all in the commercial business?
Unknown Speaker 25:16
Yeah, so the Sign Company was kind of our answer to a couple things, it was our answer to getting my husband out of his nine to five as well. It was our answer to just an itch to continue the entrepreneurship route. I do think that actually, oftentimes, real estate and small business ownership go hand in hand, because if you're going to syndicate, you're running a business based around real estate, if you are going to start a proper property management company, because you have become a broker and you want to take on that arm of real estate as well. It's a business. So there's a lot and actually, one of the reasons we chose a sign company is because it's very related to commercial real estate. So we wanted, we're a commercial sign company, we don't do birthday banners and stuff, review, large lit up channel letters on the sides of retail locations, and you know, all of the signage inside and out of an assisted living facility, for instance. So, you know, we liked that it was related to the real estate that I had already started for us. And it was something we could work on and build together and that my husband could really devote himself to as he stepped away from the nine to five. But something that you mentioned was so we were starting this in 2020. Because apparently, we are crazy.
Casey Brown 26:31
Like when you got when you got to the SBA office, and it was a ghost town, except there was one guy there. We're going to start a business and 2020 why everybody else is locked in their house.
Unknown Speaker 26:42
Yeah, well, and that was one of the things is we were concerned about the process of getting a loan. You know, a lot of folks talked about SBA loans. And the SBA was, I believe it was the SBA, who was running all those PPP loans at the time. And they were just inundated with things. And we were concerned. And we also thought, well, wouldn't it be nice to start a business without debt. And this is where just having the investor mindset, big picture, not necessarily even real estate specific is helpful. We've always been good about putting money away in our Roth IRAs, and 401, k's and all these different places, like I mentioned, I like diversification. So we have the traditional funds set aside. And what we ended up doing instead of a traditional SBA loan was we did a Rob's so it's rollover for business startup, we use my 401k from my corporate job and my husband's tsp. And then also some cash we had set aside. And yes, the TSP, I'm sorry, it's basically like a 401k for service members. So we're active duty, you can invest. And I think there might be some, like civilian civil servant type roles, you can also have a TSP, but it stands for Thrift Savings Plan. Okay, so it's very much military, you can have it when you're in the military. And for some reason, I don't know what I was doing, I did not start one when I was in the Marine Corps, my husband did he had one. So we rolled those things over. And basically what happens is, is instead of those things being invested in, you know, the s&p Index, or whatever the s&p 500 Index, or whatever it is, it, they're now invested in horizon sign company, they have shares of stock in the horizon Sign Company Corporation, as do my husband and I, because we put in cash as well. And this allowed us to start the company without a loan. It was our own money, take, but you know, it was retirement funds. So there's a lot of rules about what you can and can't do. For instance, I could not go buy a warehouse space under great houses, LLC, and rent it to design company. So there are things about it that are downsides. In my mind, at least, there are some things I would like to do in the future that would involve buying out the 401k. So we can do it. But it's a great way to get started. If you already have some funds in place. And for one reason or another, you don't want to are or are not able to go the loan route the SBA loan route. Sure.
Casey Brown 28:59
And I like that topic for a lot of reasons. Because it brings, it really brings back like, it almost gives definition, or at least a look to some different capital stacks. As far as like, like you said, the four are the the 401k, and the TSP owned shares and horizons on company. And so again, it really just gives some definition to what's going on with these different capital stacks and who owns what and again, like when you start looking at LLPs or LLCs, and then you start looking at shares because a lot of people don't necessarily, they don't necessarily put like they when you think of like shares of stock, they think of shares of whatever big company there is on the on the New York Stock Exchange, or like you said index funds or whatever. And so, but what they don't realize is that these LLCs and LLPs and LP all of that stuff has the same it's the same basic model It's the same basic, hey, I'll sell you 25% of my LLC for X figure brings in funding, then you go from there, it's just a private placement, it's a private deal, that is not necessarily going to be regulated. I mean, there obviously, there's gonna be some regulations, financial stuff that you have to make sure meet, you know, has to meet certain criteria. But what I'm getting at is is, is its private placement stuff. So, so basically, you, you and your husband and your 401 k's are our business partners. And that's again, that's that's the point that I wanted to get to with this discussion was just so people could possibly see the the capital stack there dissected, so that, you know, because it's the same deal and just like a syndication or just like a, an investment group or whatever, you know, whatever the case is, so, well, listen, we're kind of we're running up here on the end of end of our time. And I hope I first of all, I want to thank you for a few different things, I want to thank you for taking the time out to come and be with us today. I know it's always super sacrificial for people to give up that time that just like you said, you went into business for yourself for the time and I want to thank you for your time being here. I also want to thank you and your husband, both for your service, and what you've done to help further our great country. And I want to thank you for that. Now. A couple of questions. And these are just these are ones that you probably aren't may may or may not be expecting. It depends on how many episodes you've listened to. What is without and I've got to start prefacing this question with that with with with without saying Rich Dad, Poor Dad, what is the best book that you have recently read? Oh,
Unknown Speaker 31:46
I, well, hopefully, it still counts that I'm in the middle of it, but I'm reading traction, reading an amazing book for getting your business organized and showing clear vision and strategy and then making sure you're putting processes and systems in place for that.
Casey Brown 32:03
Awesome. Yeah. And it's, it's, it's, I mean, it's spot on and on on all fronts there. I mean, because this is a systemized business and like you said, like we said earlier, the systemized everything that systemized everything's in place, do the same things every day, big things happen. Now, where is a place that you have either recently traveled to or or hoped to travel too soon, like a dream, vacation or dream trip?
Unknown Speaker 32:29
Oh, I love this question. As you can see, I have a map behind me we put our little pins in I love travel. Huge fan. So it's a very hard question. For me, though. I feel like it's, as I understand my, which is my favorite child. But I am next year we're hoping to do Croatia. And that's been a big one on my list for a very long time. My mom's family came from Croatia, and but I've never been and I've heard it's just beautiful. So I'm hoping to go there next year. Sure.
Casey Brown 33:02
My wife and I say we love to travel and love to, to I'm a I'm a cultural junkie, like I just I love culture. I don't care anything about going to a beach or I mean, obviously I'm wrong. I love a beach. But I just love culture. I love seeing where and what other people do with their free time and eat the food and so on and so forth. So anyone wondering. All right, well, listen, Megan, I want to thank you again. And please give our best to your husband and thank him for his service as well. We do appreciate everything. And again, thank you so much for your time and I hope everybody has a wonderful rest of the day. Thanks for listening
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