THE MULTIFAMILY MASTERPLAN IS A 12-WEEK REAL ESTATE INVESTING TRAINING DESIGNED TO HELP YOU BUY A CASHFLOW POSITIVE MULTIFAMILY HOME WITH INSTANT EQUITY AND A LOT OF APPRECIATION POTENTIAL
The 3 BIG QUESTIONS
1. Do you want to create generational wealth and know that real estate is the most proven way to do so?

2. Are you seeking more passive streams of income whether you have a high-paying or low-paying job?

3. Do you think your life would change if your monthly rent expense or mortgage payment was zero or became revenue instead?
I Teach You The 3 Keys To Buy Cashflow Positive Multifamily Real Estate
...With Low To No Downpayment & Minimal Risks 
Even If You Have Bad Credit, Low Income, And Low Savings
  • The Multifamily Map: How to find great emerging markets, neighborhoods, and properties near you or from a distance that will provide great cash flow and potential appreciation
  • The Multifamily Math: How to quickly and quantitatively evaluate a real estate deal in less than 10 minutes so that you can make an offer before anyone else
  • The Multifamily Mindset: How to think like a real estate investor when it comes to wealth, money, real estate, and debt
This Program Is 
For You If...
 YOU ARE A RENTER SEEKING TO ACHIEVE RENT FREEDOM THROUGH MULTIFAMILY REAL ESTATE.
 YOU ARE COMMITTED TO CREATING GENERATIONAL WEALTH FOR YOURSELF AND YOUR FAMILY.
 YOU WANT TO QUIT YOUR JOB AND ARE LOOKING FOR A FINANCIAL FOUNDATION TO STEP OUT ON.
 YOU ALREADY HAVE A SINGLE-FAMILY HOME AND WANT TO HAVE SOMEONE ELSE PAY YOUR MORTGAGE.
 YOU JUST WANT TO EARN SOME EXTRA INCOME TO PAY A MONTHLY BILL OR TWO.
 YOU HAVE SOME MONEY SAVED AND WANT TO DIVERSIFY BEYOND STOCKS.
This Program Is 
NOT For You If...
 YOU ARE LOOKING FOR A GET RICH QUICK SCHEME THAT PROMISES YOU EVERYTHING BUT ASKS NOTHING OF YOU.
 YOU BELIEVE THAT A HIGH-PAYING JOB IS THE PRIMARY WAY TO CREATE WEALTH.
 YOU ARE FINANCIALLY IRRESPONSIBLE WITH WHATEVER MONEY YOU DO EARN.
 YOU HATE MONEY RATHER THAN SEEING IT AS A TOOL.
 YOU KNOW IT ALL & ARE NOT READY TO BE A STUDENT.
 YOU WANT A HUGE RETURN, BUT ARE NOT WILLING TO INVEST IN YOURSELF FIRST.
 YOU'RE AFRAID OF FAILURE AND THEREFORE KEEP PROCRASTINATING.
The Rolle's Success Story
“Jullien's journey has always been an inspiration to my wife and I. We didn't think we were ready, but Jullien helped us see that we were. Now we own a 4-plex in Los Angeles that has already appreciated and generates enough cashflow for my wife and I to both step into entrepreneurship full-time while still being financially responsible parents of a 1-year-old girl."
HOW WE'LL CREATE YOUR 
MULTIFAMILY MASTERPLAN TOGETHER
The 9 Side Steps is a framework I personally developed after successfully making my side hustle my main hustle. I made my transition from a full-time job on January 9th, 2009, just 3 months before the economy hit rock bottom. Thanks to these simple steps, my company has continued to grow despite fluctuations in the economy. And because I know my true value, today I am experiencing more financial freedom and time freedom than any job could offer.
Module 1:
Get Your Financial House In Order
  • What exactly are lenders looking for: Key numbers and ratios you need to be aware of
  • Quick credit fixes to improve your score and keep your interest rate down and save $10,000s
  • Unconventional downpayment saving strategies that won't yield red flags
  • What if I'm an entrepreneur? How to get financed even if you have inconsistent income
Module 2:
Make Your Case For Pre-Approval
  • How to build a strong Financing Folder: What to keep in it and what to leave out
  • What you can afford vs. what you get approved for: Understanding why so many people lost their homes in 2007
  • What to do about your student loan debt so it doesn't stop you from getting pre-approved
  • ​What to write when they ask for a Letter of Explanation about your Financing Folder
Module 3:
Use Other People's Money First
  • Buying on a budget: How to buy a multifamily home with great value despite not having a ton saved yet
  • No to low money down programs and grants you can use to sweeten a deal that even an all-cash investor can't compete with
  • FHA Loans: The dark side that most people don't tell you; there's more to consider than the 3.5% down
  • ​Why you must shop for lenders first, not the home, and how to get the lowest rate possible by doing so
  • Why you should go as big as possible on your first multifamily as long as it makes cents
  • Alternative types of downpayment financing if you're ready to give up on the big banks
Module 4:
Develop Your Real Estate Eyes
  • How to find great deals in your backyard... literally
  • ​How to use the internet and the specific websites you need to know to find and do due diligence on a deal
  • ​How to evaluate a deal in another state if you're investing from a distance
  • Why the asking price doesn't matter: The real metrics that make a deal worth it or not
  • ​The people and tools you need in place to get deals coming to you daily

Leniece Flowers

Entrepreneur, Wife, Mom of Twins, Looking in The San Francisco Bay Area

Jullien's coaching has helped me understand how to evaluate deals. He always talks about the importance of the first deal and that if you buy right and buy big, it will pave the way for the next one and the next one and the next one. I have all of these tabs open of new homes on the market that I find on Trulia and Zillow and they look good to me from an HGTV perspective, but once Jullien breaks down the financials, I'm able to see what the granite countertops and new paint job are really covering up. And the way that he holistically evaluates a deal in less than 10 minutes is mind-boggling. Jullien has really helped me see real estate differently. Financial freedom is a goal for me and when I find a deal here or elsewhere that will create rent freedom, I will know it when I see it and be ready to make a strong offer. I don't want to just think like a homeowner. I want to think like a real estate investor. 
Module 5:
Run All The Numbers
  • The 23 numbers you need to truly evaluate whether to purchase or pass on a real estate opportunity
  • ​How to quickly evaluate a deal in 10 minutes or less so that you get your offer in before anyone else
  •  The 4 most overlooked numbers that can make or break a deal
  • Why your first investment won't be featured on HGTV and understanding how your eyes and emotions deceive you
  • ​FREE DOWNLOAD: Purchase or Passion Deal Analyzer
Module 6:
Build Your Real Estate Team
  • The 15 key players you need on your winning real estate team
  • ​Who is the most important player on your team besides you? HINT: It's not your real estate agent
  • ​The 10 types of contractors you need to have trust in and on speed dial once a deal is in motion
  • How to vet your team beyond using Yelp or Angie's List: Questions to ask and things to look for
Module 7:
Move The Deal Forward
  • The most important terms in an offer besides the price you're willing to pay
  •  The top 10 reasons most real estate deals fail and how you can avoid them
  • How to never pay at or above asking price and get it reduced to whatever you desire without worrying about the seller walking away
  • ​Walk! Crawl! Climb! Everything you must do, ask, and look for during the inspection process
  •  5 ways to exit any deal if the numbers aren't adding up or something doesn't feel right
Module 8:
Get The Keys & Take Control
  • ​First things first! What are the very first things you need to do once you have the keys? HINT: It's not move in.
  •  You're a landlord now! How do you immediately lay the new ground rules with existing tenants, especially with ones who don't align with how you desire to live.
  • How to find great tenants fast if you have vacant units that need to be filled. What you need. Who you need. Where to post. 
  • ​FREE DOWNLOAD: Sample Lease Agreement
Module 9:
Grow & Scale From 1 To 10 
  • Long distance investing secrets: How to invest in new markets if you can't afford to buy something else near you
  • How to build up your cash again quickly to get ready for your next deal 
  • Real estate tax strategies to reduce your annual tax liability thanks to your new multifamily home
  • Ethical investing: Rules to follow to make sure you aren't gentrifying a community or placing profit before people
In this module, you will... 
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ALL YOU HAVE TO DO IS WATCH THE VIDEOS
& COMPLETE THE WEEKLY CHALLENGES
HERE IS EXACTLY WHAT THE NEXT FEW AMAZING WEEKS WILL LOOK LIKE FOR YOU
The Campbell's Success Story
"My issue was that I had a rental property that I wasn't cash-flowing because I didn't "buy right" as Jullien always says. Thanks to the coaching, we came up with a strategy to sell the property and leverage it up into a multi-family unit using a 1031 exchange. We found a real estate attorney to transfer the rental property out of my name and into the LLC. Now we have corrected our real estate wrongs and have a cash-flowing AirBnB in Charlotte (which Jullien taught me how to scale quickly) and a multi-family where we live mortgage-free in one of the two units.

On July 9th, I'm celebrating my personal Independence Day. It's the 1 year mark since I quit my job. As Jullien says "I'm not rich yet, but I'm free." It only takes one deal bought right to achieve freedom. From there, I know the wealth will follow.

Y'all!!! I am just blown away at the progress our family has made as a result of Jullien's teachings. My husband lost his job early January. Well, I can tell you that it has been the best thing that has happened to our family. It has truly sparked a fire in us that makes us relentless. We are determined to be FREE!

I just want to say that I have learned more through this program than I have learned in each of my graduate degree programs. This has been the best investment I’ve made in a VERY long time. Long story brief... I’m just taking a moment to express my gratitude for Jullien Gordon and THIS PROCESS! I am already seeing a return on this investment. I look forward to continued success and am excited to be rebuilding Black Wall Street!

Thank you for allowing me to share. I pray your day is as wonderful as you are 💯 💯 👊🏾 ☝🏽❤️!"
MY GOAL IS TO POSITION YOU FOR YOUR 
1ST PROFITABLE MULTIFAMILY DEAL
Nothing excites me more than seeing my students land their first deal. When you achieve rent freedom or mortgage freedom, your life will change financially, emotionally, socially, and professionally. You will have more financial freedom, you will be less stressed, you will be able to travel more, and you won't feel as stuck in a job you hate so you can feel free to pursue your purpose.
I Want Your Name Here
Your Multifamily Movement Success Story
Ronique Carter
Closed On A 4-Plex Within 2 Months Of Joining
Check Out My TED Talk On Why 
We're All Already Entrepreneurs...
THE HUSTLA SPIRIT
aka WHAT WE BELIEVE
1.  We believe that every human being ultimately works for themselves first.

2. We believe that the goal of hustlin’ is freedom and full self-expression, not just to make more money.

3. We believe our full-time employers are just our biggest clients (rather than our only client or our only source of income). We believe in working with companies, not for them.

4. We believe in being fully present when serving any client including our main hustle. We do not believe in cheating on the job—using time or resources dedicated to our main hustle to develop our side hustles.

5. We believe that only having one job in this uncertain economy is dangerous.

6. We believe that the Greatest Depression is the gap between who we are and what we do. Many people let what they do define who they are, when who you are should define what you do.

7. We believe every employee should understand the basic principles of business, especially as it relates to their clients.

8. We believe in gratitude—the practice of honoring what you already have within and around you and using it.

9. We believe employees create jobs too through the value they create through their main hustles and side hustles.

10. We believe in developing our personal capital, intellectual capital, social capital, and financial capital.

11. We believe in making meaning and money by doing our life’s work, not just our clients’ work.
Hi, I'm Jullien Gordon
a.k.a. The Property Brotha
My mission is to fully free 300 people like Harriet Tubman through entrepreneurship and real estate investing. I've freed 7 so far and have loosened the chains for 1,000s through social media. I help people achieve freedom through self-mastery, skill mastery, masterminds, and business mastery. That's why I founded TheFreedomSchool.com—an online university that teaches business and life coaches, consultants, speakers, and authors how to turn their intelligence into income and impact and build businesses bigger than themselves.

I'm blessed to be a 6-time author, 5-time TEDx speaker, and featured on MSNBC, Forbes, and INC Magazine. I earned my MBA and Masters in Education from Stanford University and my BA from UCLA in 3 years. I am originally from Oakland, California and currently reside in New Orleans, Louisiana with my family.
Dear Renters, Home Owners, & REIs who want to go from 1 to 10:
What would change in your life if your monthly rent expense or mortgage payment all of a sudden became revenue into your pocket instead of an expense out of your pocket?

Would you feel more freedom? Would you explore a career that was more purpose-driven? Would you feel less stress overall? Would you travel more?

One of the most empowering things in the world is to own real estate and generate passive income. Instead of you always working for money, your money should always be working for you.

Multifamily real estate is the most proven business model in the world. When you buy right, the benefits include:

1. positive cashflow
2. principal pay down
3. tax savings
4. potential appreciation

I ultimately want you to be free to be you and do your Life's Work for a living and I know from my own life that multifamily real estate is a guaranteed path to do so.
Jullien Gordon
Founder of The Multifamily Movement & The Freedom School
Frequently Asked Questions
Q: What's the difference between a B.P.A.I.D. and a normal business plan?
Anyone can get a business plan template off the web for free and paste in their company’s name and logo, but just because you have the plan doesn’t mean that you can implement it. Like human beings, businesses are unique and therefore must have a unique plan and implement strategy based on the creator of the business.

A business plan outlines your aspirations—what you hope will happen. It will include your sales strategy, marketing strategy, operations plan, target market, and business assumptions.

Your B.P.A.I.D. will include all of that AND you actions—how you will make it happen.

In addition to your sales strategy, it will outline your pipeline and how you will manage it.

In addition to your marketing strategy, it will outline who you will call and what you will say.

In addition to your operations plan, it will layout what your average week will look like.

In addition to your target market, it will outline where you will go to meet them.

In addition to your your business assumptions, it will reveal how you will test those assumptions.
Q: Is this for beginners?
This is perfect for people just starting out. I spent several year and wasted a lot of money trying to figure this all out on my own. I don't want you to have to go through that. If I can help you find the right idea, market, and business model right away, you will be on the fast track to success. I wish I would have known then, what I know now.
Q: What if I want to start a product based business?
That’s great! The course will still help you, but it may take longer for you to see results because of the product development cycle. A good web application can take months to program and test before it is market-ready, however this program can help you write the business plan you need to raise funding in advance.
Q: What if I already have a side hustle?
This program is made up of questions that every entrepreneur should be asking themselves on a regular basis. In the same way that Fortune 500 companies are required to evaluate themselves quarterly, so should we. Unless your business is already growing at amazing speed, this process will help you refine what you do and where you focus your time, energy, and resources.
Q: How long will I have access to the online platform and program?
You will have lifetime access to the online platform. My hope is that your business supports you throughout your entire life. We know that your business will grow and change and the questions we provide are ones that you can continue to come back to time and time again.
Q: What kind of support is offered afterward?
As a B.P.A.I.D. Owner, you will continue to get updates about changes in the curriculum and how they are implemented online to help refine your B.P.A.I.D. (Business Plan And Implementation Document). If you would like additional support after the program, we will inform you about Jullien’s group coaching programs and live trainings.
Q: How much time should I expect to spend each week?
There will be two call recordings per week (2 hours), three video modules to listen to per week (3 x 40 minutes each = 2 hours), and your online workbook to complete (2 hours) for a total of about 6 hours per week.
Q: What is Jullien's track record?
Jullien Gordon is Creator of Masterminds.org and coined the term "The Incomes Generation". He foresees side hustling becoming the new career path for young workers. He defines side hustling as the practice of capitalizing on one’s gifts, talents, strengths, and skills to create and capture value in the world through who we are and what we do. Through his trainings at Fortune 100 companies such as Pepsi and PwC, speaking at colleges nationwide, and his websites, Jullien is igniting the entrepreneurial spirit of what he calls “The Incomes Generation.”

Jullien believes that employees create jobs too. Through his inquiry-based “innerviewing” technique and trainings, he helps professionals bring more of who they are to what they do. He has innerviewed hundreds of professionals and discovered that most have an entrepreneurial spirit and if they don’t feel free to exercise it at work, then they are likely doing it through a side hustle. Someone with a side hustle sees their employer as their biggest client, but not their only client or source of income.

Jullien’s work began in the talent recruitment and development industry in 2007 with his work as the Associate Director of Talent Recruitment for Management Leadership for Tomorrow where he recruited diverse talent at the college and MBA level. From there, he went on to start his own leadership development company called The Department of Motivated Vehicles (which is now New Higher). As the Founding Parter of New Higher, Jullien uses his innerviewing process to help companies and colleges understand what motivates their employees and students at a deeper level. New Higher’s introspective techniques, trainings, and tools seek to motivate, engage, and retain talent to increase presence, productivity, and profit.

Jullien trained at the Stanford Graduate School of Business where he focused on organizational behavior, high performance leadership, strategy, and entrepreneurship. Jullien is also the author of four books on career advancement, finding purpose, goal achievement, and closing the college-to-career gap to help young professional discover their life’s work and make their highest contribution to the world through their daily work.
Coach You Until You Close Guarantee
You Become A Lifetime Member of The Multifamily Movement
I see so many online programs leave their students hanging. All they care about is getting you to buy and on the backend, they could care less if you get results or not.

That's why I've decided that I'm going to coach you until you close on your first multifamily deal.

I'm committed to a 100% success rate for my students once they are "Real Estate Ready," which means you have:

- at least $20k saved
- a 650 credit score
- earning $50k per year

You DO NOT need these to join The Multifamily Movement.

You can join now and I'll show you how to boost those while you're in the program.

But once you have them in place, I take responsibility for your success as long as you show up and do the work which means pounding the pavement, meeting people, analyzing deals, and making offers.

That means that once you join The Multifamily Movement, you get a lifetime membership which gives you access to our weekly Deal Room calls indefinitely.

This is the best way that I can guarantee your success. I want to hold your hand until you cross the finish line.

I'm not in the business of selling courses. I'm in the business of helping people like you acquire:

1. cashflow positive multifamily real estate
2. with built in equity
3. lots of appreciation potential
4. setup to take advantage of every tax incentive in the book

This is the best guarantee I can give you.

There are NO REFUNDS, but I will coach you until you close because when you "buy right," I know that it will create immediate income and long-term generational wealth for you and your family.
One Free Ticket Included With Your Membership
Join Us Live In New Orleans 
For Our 2-Day Real Estate Summit
Learn From The Pros
Network With Investors
Visit Properties
Enjoy The City
Meet us in New Orleans to fast track your Multifamily Masterplan. Whether you're going from 0 to 1, 1 to 2, or 2 to 10, this 2-day interactive experience will accelerate your success.

Jullien will show you how he personally built his portfolio in New Orleans and you will visit some of his properties and new deals that he is looking at right now.

Some of the best real estate professionals including agents, wholesalers, lenders, and contractors will take the stage to share insights with you to make sure you "buy right."

You take care of your travel, hotel, and food...and we'll take care of the rest.
Founding Member Bonuses Only
Get $2,290 Worth Of Free Bonuses When You Join Now
OFFER SUMMARY
VALUE
The Multifamily Masterplan (Lifetime)
50 Weekly Deal Room Calls
Live Event In New Orleans
FUEL IT: How To Scale From 1 To 10
Tax Secrets: How To Reduce Your Taxes
Overnight Success: How To Grow w/AirBnB
The Credit Etiquette Course
Purchase Or Pass Online App
$2,499
$2,399
$599
$997
$597
$497
$299
$199
TOTAL VALUE
$8,086
This is not your price
Get started for as low as $749/month for 8 months
or Save $995 when you pay $4,997 one-time
Still Have Questions? We Have Answers!
Send any question you have and we will respond ASAP so you can decide before the deadline.
Frequently Asked Questions
Q: Can't my real estate agent help me with this?
The average real estate agent does not think like an investor. Many of them don't know how to calculate a Cash-On-Cash Return or Cap Rate which are perhaps the two most important numbers to know when investing in multifamily real estate.

Real estate agents typically have more experience selling single family homes to American Dreamers just like you see on HGTV. They can put in your offer, find comps, handle inspections, and negotiations, but you have to lead them when it comes to multifamily investing.
Q: Should I wait for the recession to get a deal?
A recession could be good for you if you are seeking to buy a single family home because many people who bought too big will lose their homes and face foreclosure. However, the opposite is true for multifamily homes.

During a recession rents only go up because people who lost their homes now have to rent. When demand increases, supply stays the same, and prices go up.

During a recession, financing guidelines also get tighter, so it will be harder for you to get a mortgage.

On top of that, there are cash investors waiting to pounce on deals, while you're waiting for financing.
Q: Should I pay my debt off first?
No! No! No! You should acquire a multifamily home that provides cashflow that pays off your debt.

Let's say you take 2 years to pay off your debt first. Now you're debt-free, but the price of the home that you could have bought 2 years ago is higher because it has appreciated and interest rates have also increased making it way more expensive than the debt you paid off.

There is good debt and bad debt. Good debt puts money in your pocket. Bad debt takes money out. Multifamily real estate is good debt. Student loans, credit cards, and single family mortgages are bad debt.
Q: What if my credit is bad?
As a bonus for joining now, you get the Credit Etiquette Course by Tonya Rapley, Founder of MyFabFinance. This course will teach you how to understand, rebuild, and improve your credit.

If your credit is at least 580, you can still qualify for FHA's 3.5% down program. If your credit score is 500-579, you will need 10% down plus closing costs. The FHA minimum is 500.

There are some quick strategies that can increase your credit score in a matter of weeks. And then there are others that can take more time.

While you may get better loan terms as your credit score improves, it is never too early to start developing your real estate eyes. That is what I will train you on so that the moment you get pre-approved, you can start making offers rather than missing deals while waiting another 12 weeks to go through the course materials.
Q: What if I haven't saved up enough for a downpayment yet or don't have a high income?
FHA loans with a 580 credit score only require 3.5% down. On a $200,000 loan, that is only $7,000.

There are also many downpayment assistance programs that offer grants to reduce that number even more which I'll share with you in the program.

Your downpayment can also come as a gift or from retirement funds.

Approximately 75% of your rent revenue from your tenants will be added as income to your current income during the bank's underwriting process.
Q: Can I really buy a multifamily in 90 days?
Each student will have their own timeline based on their real estate readiness. Your real estate readiness will depend on a few factors such as your credit, your savings, your income, your market, your additional assets (e.g. retirement fund, potential parental help), your relationship status (e.g. married), and your ability to find deals. I will train you on how to find deals, but many of the other factors are your responsibility. 

A person with everything in order could get an accepted offer within a matter of weeks. A person who has some background work to do first may take more time to land their first cashflow positive multifamily real estate deal.
Q: Is the Multifamily Masterplan really free?
The Multifamily Masterplan course is free...when you join the Multifamily Movement Mastermind.

It's like the gym equipment being free when you pay for a membership to the gym.

After teaching for a decade online, I no longer give out information for free without the accountability to integrate it because information overload overwhelms people and then they do nothing.

I'm not here for the transfer of information, I'm here for your transformation.

Over 40 million people have bought Rich Dad Poor Dad. Less than half have probably read it. And then even a smaller fraction have acted on it.

You can piece together the some of the information I teach by watching Youtube, listening to podcasts, and reading books and blogs.

I don't charge what I charge for the information.

I charge for my coaching, time, accountability, guidance, and results.

You can't talk to Robert Kiyosaki, Grant Cardone, or the Bigger Pockets guys like you'll be able to talk to me.

The truth won't sent you free. Acting on the truth will. 

The information age has given us analysis paralysis. Instead of calling 411 for more information, we need to call 911 for direct help. 

I can help you get to where I am faster, safer, and easier that you going at it alone. I will compress time for you and get you to your desired result faster.

My expertise is the action part whether we are talking real estate, starting a business, or changing a habit in your life.

Michael Jordan and Kobe probably knew the game of basketball better than Phil Jackson, but as their coach, Phil helped them achieve things that they had not without him. This is the value of a coach.

If you could have done it on your own you would have already done it.

In short, I'm not charging for the information. I'm charging for the coaching and accountability to implement the information.
Q: What if I need your 1-on-1 attention?
There are 3 ways to get the support you need directly from me:

1. The weekly Deal Room calls are where we have “hot seats.” Hot seats are your opportunity to share your problem or challenge and get coached by me live in the safety of the group. Other group members may chime in with their insight around your area of struggle. This collective wisdom is one of the benefits mastermind groups have over 1-on-1 coaching because you can benefit from everyone’s wisdom.

2. You can still hire Jullien for 1-on-1 coaching while in the mastermind group. Members get a discount off of my standard hourly rate.

3. You can join Jullien's VIP Program where you travel to New Orleans and spend a day with Jullien looking at real estate deals and his portfolio as well as developing your Multifamily Masterplan for your market.

You can also reach out to a group member for direct support. Through the group, you will meet people who are at similar stages of development as you or beyond and because we are all committed to each other’s success, you can ask for support. If the specific support you are requesting is something that a member normally charges for, we encourage you to pay them. If there is reciprocity and you have something non-monetary to give to them in exchange for their time, listening, and expertise, then that is okay too.


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