EP 651 – Quality Of Life Versus Standard Of Living: Putting More Fun In Fundability With Merrill Chandler From GetFundable.com

NCS 651 | Fundability

NCS 651 | Fundability


Investing can be fun until it’s not. But that is when you treat it so much as work that you lose yourself in the process. Scott Carson talks with Merrill Chandler from GetFundable.com about the importance of putting the fun back into your daily life and finding a balance between the hustle and bustle of investing or work. At the heart of it, Merrill reminds us not to lose sight of building a quality life as we are building our standard of living. He talks about the importance of nurturing our relationship with money, with bankers, and with our fundability. Join along to this conversation as Merrill shows you how you can make yourself more able and have more fun in life.


Listen to the podcast here:

Quality Of Life Versus Standard Of Living: Putting More Fun In Fundability With Merrill Chandler From GetFundable.com

I’m honored to have our special guest, Mr. Merrill Chandler from GetFundable.com joining us here. He’s got some cool things he’s working on. I could not think of a better way to kick off the new level because we’re all going to level up in 2021. You had your pivot and prosper, or figure the shit out in 2020 that dumpster fire of a year for many people. I love what you’ve been doing. What’s going on, Mr. Chandler?

I’m excited because I’m doing it differently in 2021. I am one of those guys who started in the last week of 2020 and then expanded into the last two weeks of 2020, turned it from Thanksgiving on where it’s like, “It is what it is,” and calling the game. I’m not a sluffer but we all have that moment where we’re like, “I’m going to schedule this for the second week of January.” It could be a client call, an enrollment call or anything. 2021 was different for me. I went to a mastermind and it lit me on fire. Their ideas said that to have EV, Enterprise Value, you need to have interpersonal value. What do you bring as the CEO and the visionary of the organization? How finely tuned are you? All of a sudden, I thought we were going to this business evaluation seminar, and then I ended up in Newport Beach doing calisthenics and team-building exercises. I’m like, “You’re saying that the more valuable I am, then business is more valuable?” That lit a fire under me. Since that day before Thanksgiving, I’ve been on fire. I wanted to do the end of 2020 and the beginning of 2021 differently.

I’m passing that along to your tribe. I’m all about a new year’s revolution, not a new year’s resolution. This is coming out after the new year. Here’s how I distinguish those two. It takes ten seconds to make a new year’s resolution. You say, “I didn’t do it last year, but I’m going to lose 10 pounds this year.” COVID was good to me. I gained 35 pounds in 2020. The idea was you make a resolution, but there’s not a lot of commitment and structure around it that keeps our feet on fire. A revolution on the other hand, you got to plan it. You got to make sure your message is right. You got to make sure there’s a structure to keep this baby moving. Me and my team are doing that.

Here’s the funny thing that sometimes it doesn’t happen until it happens. I connect a lot of dots. Fundability has always been about dots connecting. We’re saying, “This lender says this. FICO says this.” I’m like, “Does that mean this?” We test and it does mean that. “Tribe, let’s start behaving this way because it’s meaningful to increase our funding approvals.” I don’t know why I’ve been talking about borrower behaviors all this time and how to optimize our borrower behaviors to create a more abundant business and more abundant life. I’ve never talked about optimizing all of our other human behaviors, our relationship behaviors, our health behaviors, the intention setting behind the quality of our lives. I’m like, “We’ve spent years talking about borrower behaviors, but what about the other things that create a high quality of life?”

That’s how we are defining what a 2021 revolution looks like. It is about leveling up our lives, not just fundability. Fundability is what funds our lives, but if I am sick in bed or everybody in my family is miserable because I’m a wreck when I come in for my fix and flip day, then where’s the quality of life? We’re expanding that, and that’s the message. Level up your life, and let’s stop making resolutions. It’s a waste of time and a little inane.

Most people take ten seconds to say something because it sounds good, but they don’t plan out the fact that, “I need to go to the gym. I need to go inside the gym. I need to get on a bike. I need to pedal, not to sit down on the couch.” I would go to the gym and there’d be this guy that would walk in and sit on the couch. He would bring three newspapers. I asked him, “You’re in here every day reading.” He goes, “My wife thinks that I come to the gym and work out. What I do is I go stand in the sauna the last five minutes before my hour is up, and then I leave, but I’m here to read the paper.” That’s what everybody does.

NCS 651 | Fundability

Fundability: The more valuable you are, the more valuable your business is.


I’ve been the king of that behavior. Maybe not so much reading the paper on the couch, but at the height of it all, there have been days where getting to the gym, I’ll take that as my first win because I was not committed to transforming my life. Your tribe needs to be aware that I’m not an athletic superhero, but I want to stop be the slug that I have been. I’ve been healthy and committed to my health and wellbeing at other times earlier in my life, and then I hit a rough patch over the last few years, which are barely coming out of. If I’m going to light a fire under me, it’s going to be a conflagration to anybody, but it was in my space. It’s like burn or get the hell out because it’s time.

The quality of life is what we all strive and work for. We work so hard to have a quality of life, and that’s the one thing you and I both do. We both travel quite a bit, especially, you go to Italy. I know you’ve spent time in Italy. It’s is one of your favorite places, same here. It’s a whole different there. They don’t live to work. They work to live. They sit around the afternoon siesta is if you’re in Spain in Barcelona, six weeks of vacation versus two throughout the year. We work hard, and there are many times that we’re working on our business or in our business or our business, or working on the things that provide the thing, like with us in the real estate and the note business, with you in getting fundable, giving people funding for things, so that they can afford to lend or buy property or notes. That great, but that 80-hour workweek isn’t. If you’re working and you don’t have a good relationship with your spouses, friends. I found that one of my good friends here in Texas was on fire business-wise got divorced earlier in 2020. He struggled because he couldn’t find a balance.

Some people talk about work-life balance. First of all, I don’t believe in work-life balance because for many of us, work is important in our lives. There’s an exercise that we’re doing as part of this whole new year’s leveling up. How to find your top five values? It could be your children, your spouse, but if you don’t devote any time to it, you need to quit lying to yourself and saying, “In this time of my life, my children are not important to me. How do I know? I never spend time with them.” We tell ourselves that story, “I’m doing it so that I can later,” but they remember our absence at 3, 5 and 10. I left my children for 3.5 years when they were very young, and they remember. How do we build a quality of life now while we are building our standard of living? Our wealth strategies for finances or our financial world are different than our wealth strategies for our relationship wealth and our health wealth. Those are vital and they’re completely different strategies. We need to do something in all of them.

It’s planning and do it on a regular basis. Put it on the schedule. If it’s something that you can follow, not only can you see it, it reminds yourself. That’s why I think imageboards are important because if your image works reflect your five values, your focus goes where your energy is. Energy goes where you focus or attention is.

Where we spend our attention is what’s meaningful to us. I’m the workaholic guy. I’m not preaching to you like I am no sinner. I’m dawning on this. I’m moving into my 60th year and I’m barely getting a clue about how to pay attention to more than what I’m creating in my life. My fundability and teaching people how to be fundable is my mission. It’s not just a job. I am devoted to this. Let’s say, I have a million fundable people out there, and then I don’t have a single friend, and my kids, we say hi at Christmas because I have not paid attention to anything. I want to share one of the principles that is important to me, and I’d want to pass it along.

We talk about building relationships with banks. The language we use for building that relationship is traffic. Money in, money, out. To use somebody else’s example, what’s our family relationship traffic look like? What are our investments and deposits before we have to withdraw in our families? I want to capture this idea and give people this tool. In your health, what are your deposits? We talk about banking traffic, and everyone’s like, “I want to do it right.” The 1, 2, 4, 7 magic in banking, and yet we don’t make deposits in our relationships. We don’t make deposits into our health and wellbeing. I’m like, “The metaphor for all the stuff that I’ve been teaching on fundability, optimized behaviors, and we’re now expanding it because I want my tribe, your tribe, all of us to be able to enjoy more than now I have $350,000 in credit lines. Now, what? Another house, how am I going to use that to build my health wealth or my relationship wealth?”

We see that too, especially this time of year. People often have causes or charities, or things that they’re passionate about. I don’t think I’ve ever talked about this, but what’s important to you outside of GF? Do you have some causes that may fall in line with your five or other things that you focus on the outside? What are those things?

There are two main things that we’ve done as Get Fundable group. Every Thanksgiving for years before COVID, the Get Fundable team would buy all the materials to make 200 to 300 Thanksgiving sack lunches that we would take out to the cold and hungry people out there that are homeless, or at least out and about. There are a couple of neighborhoods where it’s a very homeless rich environment, and we would go feed them. We’d build it together. We’d have little production lines. That’s a lot of lunches, but my measuring tape was, “Would I want to eat this lunch?” We’re buying the best that we can provide. It Isn’t like a slap a piece of bologna on white bread.

Is it not a Johnny Sack?

No. These are gourmet lunches. At this point, it’s not about the cost. It’s about the goodies. You pull out, and there were water bottles. The types of snacks that you could save. You need to eat a sandwich soon. That’s something that’s been consistent for us. Related to that is we do a monthly Get Fundable Tour down at St. Vincent’s, which is the lunch and dinner lines. The crew would come down, and we feed the people coming in from the cold and do that.

Those are dear to my heart. It’s more activities rather than donations because I want to get in the fray. I want to be there, meet these people, and share all of that. We do have one group. There’s a Dominican school that we’ve been looking at where there’s a subscription to take care of somebody that adopts a family type of thing. That’s what’s on deck for our 2021. That’s the only one that is like a donation type. I do have something that I encourage people to do because I want to be in the fray.

I want to get down dirty and meet people. If we were to go to my Jeep right now, I have several hundred dollars in $20s and $100s that are in my console. When it strikes me, I will pull over. If somebody who’s pushing a cart or somebody coming out of a dollar store, pull up, and as crass as some might think, I will say, “I hope you have a great day.” I give him $20 or $100. Most of the time, I’m bawling my eyes out by the time I get back to the car because the response is, “What the hell happened? I know I’m going to get a hot meal when I go stand in the soup line. I know if I go to the shelter, I’m going to get it.” This is somebody walking on the side of the street, maybe fully employed, but it dawns on me, or it comes up for me. Those are the things that are meaningful to me. Some are serialized like we do every year. Some are opportunities for us to go monthly. Other times, it’s what I do in the day while I’m traveling.

We do a lot of a donation to pet charities. Steph does a lot of stuff with friends and families on that. She even flies and rescues them, and we support that. We’ve done a lot of that too. I’ve worked at several soup kitchens to help out and see people out, especially when it gets cold. It’s one of the big things that I like to do. If it starts to get cold here in Austin, I grab extra sweaters because we started seeing more homeless on the Northside. You see Downtown and around 6th Street quite a bit because that’s where the main homeless shelter. They have plenty of charities and churches coming in for those. Up here in the Northside of town, it’s always interesting to see like, “Here’s some food.”

We make a big, extra thing like spaghetti or sandwiches or whatever it might be. It goes a long way, whether it’s socks or an emergency. We’ve always been big with the military. They’re doing Toys For Tots around the holidays or sending out. We’ve got students whose spouses are in the military. They are sending over 27 to 30 boxes of beef jerky and barbecue sauce, stickers or candy for the most part. They say they like barbecue sauce because everything tastes like ass over there. Those are the things that we remember the most. When you can do good with what you’re working hard, life isn’t always been about killing yourself because if you kill yourself and you have no relationship with your family, it’s tough.

We always put it off. We will say, “This summer, I’m going to be able to afford a great big vacation,” when the kids may not even notice that it has to be Disney World. It doesn’t have to be Disney World. It just has to be going camping for an overnight or one night on the weekend. It’s the accumulation. The parallels are blowing my mind, but it’s the accumulation of lots of little things. That’s how we create fundability, is the accumulation 3, 6, 12, 24 months’ worth of collected accumulated behavior changes.

I haven’t been preaching that gospel in our relationships with our children and spouses. I haven’t been reinforcing that with our health and wellbeing. How do we start accumulating that stuff that FICO measures like mad? Our fundability is still going to be highly measurable with our relationships with our children, our friends, or our beloveds. I’m expanding. If fundability has been this, then the next ring out is relationship, health or health and relationship. I want us to have a scattered group that’s hitting all of those mixing metaphors, all those cylinders.

You’re adding more fun to your fundable.

How we add more fun to fundability is to build a quality of life. That’s what 2021 looks like for me. We’re going to push $162 million in funding before 2020 is out. I have an interview for our 1,000th client funded. We’re interviewing him. It’s a $9 million double jumbo that he was never able to do until his profile radically changed. All of a sudden he’s like, “It’s crazy.” Those are milestones. I’ve got enough of a foothold on fundability and our results to be able to say, “What are you going to do?” I’ll start training and educating my tribe on not just leverage the money to do properties or homes, but then how do you leverage your success to create that quality of life? My message is expanding, and we’re going to slay it.

There are two big milestones there, $162 million and your 1,000th client, which is huge. The thing is you look back at those 1,000 clients. You’ve helped them in a variety of fashions. It’s not just with one thing. It repeats over and over those good habits.

That 1,000th client isn’t 1,000 fundings. That’s 1,000 clients who may have 3, 5, 7, 10 different fundings, but one client. That’s our critical number. We run our business. I encourage both our tribes to do the same. What is the one number that drives all of your business? To have a bunch of clients and not get them funded does not serve them or us. The number of clients is always behind clients fund it because it may take a couple of months to get the funding’s going, but we hit 1,000. We’re now interviewing him as part of my last episode of 2020. I’m super psyched. My message is going to expand.

We talked beforehand about leveling up. At the end of 2020, you’ve wrapped up a 21-day challenge and also got a new one starting up here. Let’s talk about that. What’s been involved in that 21 days?

NCS 651 | Fundability

Fundability: 2021 is about leveling up our lives, not just fundability.


I wish I could say that I invented the whole idea that a new habit is designed within 21 days. It’s 21 days of consistency. If you have a weekly thing, 21 weeks creates a habit, 21 days is a daily thing. The way I finished out 2020 was I think of it as a sprint to the end. We start on the 11th of December 2020 and 21 days until the December 31st, 2020 so that we could end on a high note. Instead of petering out like air going out of a balloon, how do we build where the end of the year is like, boom. How do I get to level up? We call it the 21-part Level-Up Series.It has been awesome. Every day there’s a challenge in the relationship wealth, health wealth, and financial wealth. There are small challenges, but reach out to somebody, send them a love note either on the phone, text, or otherwise, that hasn’t heard from you in a minute but are meaningful to you. One of them we talked about was the five love languages. Their homework was to go find out the love languages of five people in their lives and speak their language during the holiday season. It was a wonderful experience.

That’s what’s got me psyched about because the goal was at the end of that 21-day sprint, we now have a plan for a new year’s revolution instead of a new year’s resolution. We were starting January 1st, 2021. This announcement is that the run-up is happening on my 60th birthday from Cabo San Lucas. That’ll be a lot of fun because I’ll be in the middle of my quality of life and trying to find balance myself, and invest, put in relationship traffic in health and wellbeing, put traffic through those accounts as it were so that I can continue to build a better quality of life.

The thing that we talk about a lot, and we’ve both been guilty of this, especially being such road warriors in the past. We saw each other more often than our family a lot of times.

Same events over and over. Month after month, week after week.

Steph and I were joking about how we used to live in Vegas for the whole month of October to attend three events. Could our kidneys and liver survive that now a few years later? I said, “We paced ourselves. We paced it slowly.” We all do that. We’re all guilty of that as entrepreneurs where we have some bar tabs that are more expensive than houses in some cases. This note I’m buying is less than my bar tab. It depends on the quality assets, the quality of the alcohol, and the amount of people you have when it’s in Vegas.

One of the most important things is people are in need of that because especially we look back to what the dumpster fire had been. People have been isolated. People that have worked hard now had to isolate. We all need that human contact. It’s been difficult in a lot of cases. Steph and I talked about sometimes we just need to hug. Steph is such an epic hugger. If you don’t know that about yourself, it’s hard to go in and do because we’ve always been like, “What’s the next event I’m planning for? Where am I going to next? When am I traveling? What am I hauling? Do I need to find a bank? Do I need to find a Wells Fargo? Do I need to find whatever out there when I’m traveling or FedEx because we were always shipping stuff back out?”

That’s where I’ve lived my life. You’re putting it in perspective because I have not set my goals by the quality of my life 1st, 2nd, 3rd, 4th quarter. It was how many events. There’s planning on that side, but I never included it in those plans, how does this trip add to my quality of life? I’ve never even asked the question. I’m like, “Good little soldier getting it done and fired up.” I don’t say, “Can I add a day and go visit Muskogee, Oklahoma’s salt mines.” I never added quality of life, even questions. If we don’t ask a question, we’ll never get an answer.

Looking back to when I sold everything back in 2010, I hit the road for what I thought would be 30 weeks, and it was like four years. I would go to an event and I’m like, “Where do I go? I don’t have to fly home. Let’s go have some fun. Let’s catch a ball game. Let’s go to the museums. There’s a play at the theater down the road. Let’s do that.” When we take the time to travel for vacations, we do that. “What’s playing this week in the theater? Let’s go. Let’s fly together. We’ll go watch John Wick in Spanish in Barcelona.” It’s one of the most interesting movies to watch.

That’s the kind of movie we enjoy in any language.

When you can have that and add that to it, you have a richness of life. Maybe it’s not about closing 1,000 deals. Maybe it’s about closing 500 and spend another time with your family, friends, cousins, animals or what you need to do to recharge your battery because it’s very normal to put everything we need into our bootcamps.

We don’t reward it. We don’t redeposit after we expend so much. It reminds me that it’s been a machine, and I fed the machine. Whereas COVID, I still get to meet with lots of people. It isn’t pressing the flesh, the booths, and the talks. There’s a richness to my life now that I have time to do because I’m not spending so much time in an airport and at a hotel. I’m recalibrating so that when I go, when it starts lightening up, I get to be more deliberate in how I take on that part. The standard of living stuff, hitting my sales goals, and clients funded goals does not have to put a damper on my quality of life.

My kids are raised, they’re out of the house. I’m a little more free to get out on the road without harming the immediate family. Dad’s never home. My children and I are all movie geeks. We watched 26 hours of the entire Star Wars series in chronological order from the Empire and the Rebellion. It’s a little more difficult to get together this time. What we’ve done is for a total of eight weeks on Tuesday night, we’re now watching the Mandalorian two episodes a night together on FaceTime. We’re laughing our asses off and talking to each other in the middle of shrieks about baby Yoda while we’re watching together. Even in our isolation, we were spending the time and choosing high-value sets together. Movies are a huge value set. We’re going to be doing the entire series of Harry Potter, Transformers, and we’re geeks. These are things that we can still do bite-size. It was frustrating because we thought, “We’ve got to keep this tradition. We are all gathered together and binge for 24 hours.” Now we get to see each other every single week. We’ve dedicated to hang out and do something we all love. That’s something for our tribes to get on board with us and find ways that you can reconnect with your loved ones and do things together that support the whole reason why we’re doing what we’re doing. To be fair, some of us do want to avoid our families because we’re not happy in our relationships. We go to work to avoid. It’s a whole different arena, but we can repair those relationships just like in fundability. There are ways to repair old, failed banking relationships by nurturing them. The same skillset but different relationships.

The important thing to keep in mind, COVID forced you to have to do that. When we look at 2020 and you couldn’t binge for 26 hours, you can still have the ability. I know that your tribe and our tribe, we do so much with our Facebook groups. We do it with Monday nights on Note Night In America. You’re doing it with your office hours. There’s touching base on a weekly basis, “How’s it going? What questions do you have?” You surround it with specific questions or topics, and you’re talking about real estate. I value the Q&A from people more so than anything else, “How’s it going? What are you doing?”

That’s what our Into The Madness on Tuesdays and Thursdays are. We call it that because it’s so much fun. People are trying to do their fundability tasks. I love the Q&A. It’s my favorite time of each week. The tribe gathered. It’s slowly getting bigger. There’s a lot of good intel that happens there, but it’s also fun. The fun in fundability. That’s what I’m trying to do is build more relationships. I haven’t invested in my tribe. I’ve been the guy yelling from the top of the mountain, “This is what works.” Instead of getting in the grist of it and being a part of the family, the tribe, which is I’m all in now. I’m rubbing shoulders and making sure that I’m not some Ivory Tower icon for Moses coming down with the tablet. I want to be in the middle of it and be a resource for people to feel better about themselves. Most of us, our self-esteem has a lot to do with how much money we have, or what our credit looks like. I’m going to start building there but saying, “That’s not enough. You’ve got an 800-credit score but if you feel like you’re half a human being and you aren’t building the other parts of you, then let’s continue to work on that.”

There’s a story that my dad told me before he passed away that a man had three business partners. He lent them all $1 million that was payable upon his death. The man died, and there’s an open casket. The three other partners show up. One deposits $1 million cash into the casket. The second one deposits $1 million into the casket. The third one pulls out his checkbook, writes a check for $3 million, deposit that into the thing and grabs the two other briefcases, and walks away with it. We can’t spend money in the afterlife. You have to start depositing things now. You have to start making things work these days for the most part. You can’t take it with you. You might as well try and enjoy it. My dad was my hero. He’s been gone from this world for many years. He said, “Life is always about making memories.” That’s the capital. If you go enjoy life, it’s best to have somebody with you or take somebody along, “It’s exciting. Do you remember when he closed that big deal?” You enjoy more of the time that you spent with the family afterward or the dinner, the daughter and son games, or mommy and son nights.

I continue to find these awesome parallels, but relationship equity. How much equity do you have in your relationship versus your portfolio? How much equity do we have? How do we leverage that equity? There are many powerful things that we can do where our financial life is another way of saying, “This is another relationship.” Our relationship with money, with bankers, with our fundability. How do we nurture it? How do we leverage it to serve the more meaningful parts of our life?

If you think about what’s happened in 2020, one of the number one things that not only affect lives, but finance and credit, is the divorce rate. It’s skyrocketing through things. They’re stuck with it, not enjoying being with it. Steph and I have been in the same house for nine months straight for the most part. I have an office, but I rarely get to it. We get along. We think we’re even closer than we were before because we spent so much time traveling and being together. We enjoy being in each other’s company. We’ve got those memories. We have our Christmas tree out. It’s loaded with all these Christmas ornaments that we have bought from every place we’ve traveled for the years. The two kittens aren’t crawling into it. It always reminds us of things. We remember more about that trip than we did to close deals or students.

Traveling with your family is not more of the same. It’s completely different. The age has changed. The kids grow older. My kids now are all adults. Anytime we travel or we gather for family events, it’s so much different than when they were kids. It’s not like I’m repeating the same thing over and over, “I’ve got to spend time with the family.” It’s like, “What hell raising things are we going to do this time?” Imagine three children who have a lot of me in them.

How many times do you guys dressed up all as Neo around Halloween? That’s what I want to know?

I’m the only Neo in the family, but we are doing an exercise for our team, which is also going to be part of our challenge. What’s your favorite superhero, and how are you most like that? If you had to be a superhero, tell me why. What are your gifts? How do you save the day? What is it that you do? Everybody knows mine is Neo because it’s about pulling back the curtain and showing the truth, even if it’s an ugly truth of a world dominated by machines, funding, banks and algorithms.

Many of us found it hard or don’t talk about it a lot of times. One of the most beautiful things about masterminds is being able to be like, “What’s going on?” We found out with our mastermind students over the last couple of years, and a lot of them self-taught and homeschool their kids. They’re also musically inclined. A lot of them played in bands or musical instruments. We could have had a nice note symphony orchestra.

Everybody can be playing notes in a symphony like they’re learning how to buy notes.

If you can identify more, it’s not always about more, and it’s more about quality.

Quality of life versus standard of living. I’m going to be preaching that gospel likely all year, if not for the rest of my tenure. I have clients come to me all the time that are like, “You’ve done amazing. I know how to do notes, but I finally have the money to write checks and do deals.” They’re used to paying hard money. They’re adding another $15,000 to $20,000 to their bottom line, and they’re like, “What do I do with this much firepower?” Before they get their $500,000 or $300,000 or $700,000, they’re like, “I will crush this as soon as I possibly can.” It just an idea. They say they want $1 million in these lines of credit, and then they hit $350,000. They are like, “I cannot deploy what we already have. I don’t want to work this much. I have way too much. I had a BB gun before you, and you dropped a bazooka in my space.”

You have to grow into things. If you’ve ever wanted to go from making $50,000 to $100,000 to $250,000 to $500,000 to $1 million, you have to grow that mindset to reach those levels. You have to learn to balance that out. That’s not like a work-life balance, but you still got to, “What’s the priority? Is it your kids?”

What happens if somebody goes, “I now have $700,000. I’m going to do seven of these a quarter.” Now they have no life. Instead of making it simpler and easier, some of us have that habit that, “I’m going to go until the end of the day, and everything else be damned.” Part of my shift towards quality of life, instead of funding, is the result of these heartfelt conversations with clients who are like, “I don’t know what to do now.” When I tell the story, they’re like, “Give me that money.” I can’t wait to have that conversation when they have $600,000. They’re like, “I don’t have to work this hard now that I make this much more per deal.” Everybody is keeping their project P&Ls that are based on expensive money. When they put another $20,000 or $30,000 per deal in their pocket, they’re like, “This is free money. I’m not working harder, but I’m paying less for the tool.” I’m matching them with this idea of, “Let’s not work so hard. Let’s make it easy and fun in fundability.”

NCS 651 | Fundability

Fundability: Where we spend our attention is what’s meaningful to us.


Put more fun and able to have fundable.

I am now leveling up myself. My message is leveling up because we’ve done this long enough for people to get the resources they need to be like, “I’m making $20,000. I was doing $5,000 a quarter. That’s another $100,000 per quarter I put in my pocket without lifting and doing another nail or sanding another bannister or flipping another property.” It’s more money, the same amount of work or even less. How do we leverage our standard of living, financial desires, financial wealth into the quality of life?

It all comes down to figuring out what you can do now and adding to that. You didn’t start off with 300 sack lunches, but you started off with 10 and 20. If you don’t know what Johnny Sack is, google it and find out what it is because we don’t want you to go through that. The point is it starts somewhere. If you are passionate about wanting to save animals, save one animal before you try to save 1,000. Help one family versus helping 1,000 people. Buy one turkey versus trying to buy 1,000 turkeys.

You don’t have to wait until, “We’ve got to do 200 sack lunches.” We can start out small. We can start today, “What can I do today?” That’s what the 21-day challenge we finished with. The 21-day sprint was about doing a thing. We called it the extra mile. If we go the extra mile, we mow the common strip between us and our neighbor. We pay for the person behind us at the toll booth. You’ve done it where you’re like, “Here are some. Keep the difference. This is for the person behind me.” Anything we do that is more than is required of us, we always feel euphoric. The theme of this is how do we get that and-one? How do we get that alley-hoop? How do we get the extra mile or above and beyond?

That’s what this entire sprint has been about is doing one more thing. I’ve even challenged my team members and the viewers, my tribe, “Drop it in there. What are you doing today that’s the and-one?” One guy said, “My daughters did cross country. I’m going to go run with her.” He hasn’t run with her in forever but decided, “I’m going to go run with my daughter.” Another guy said, “I’m going to clean my office.” It wasn’t on his to-do list. It wasn’t cleaned up by the end of the year. It’s like, “That’s my and-one.” They are euphoric about it. You’re always in a good mood when you’re doing it, “I’m happy today.” That’s what I want to encourage. It’s not the checklist. It’s the thing that’s not on your checklist that’s going to end your day super powerfully and end our year. That’s why we did it for 21 days.

Let’s start the year off right. You are kicking this back off on the 1st of February 2021. Let’s start a revolution.

Watch it at GetFundable.com. If you haven’t been to my bootcamp, go to our Get Fundable Facebook page. You can go back and take the 21-day challenge, do that catch-up. You’re going to love many of the cool exercises we did. That’ll get you ready to go. We’d love to have you be a part of our Leveling Up Your Life 2021.Make yourself more able and have more fun in your life. Merrill, I appreciate it. Thank you so much for everything.

I love being with you and your tribe.

Guys, read to what Merrill said. I hope you’ve enjoyed this. I know I have. Make 21 differences. If you see things, that little 5%, that and-one can go a long way. Let’s try to add a little joy back into people’s lives with actions. It’s the small things that make a big difference in our lives. Not only in our business, but our families and our clients to take it to the next level. We’ll see you all at the top.   

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About Merrill Chandler

NCS 651 | FundabilityFor over 25 years, Merrill Chandler, a co-founder of Lexington Law Firm, has been the pointy-edge-of-the-spear regarding the education of Borrowers in how to improve their borrowing opportunities and success.
During that time, Merrill developed a process to optimize personal and business credit profiles to improve a borrower’s “Fundability.” Based upon this concept, he founded GetFundable.com to deliver his revolutionary technology to entrepreneurs, business owners, and real estate investors who want easy, no-hassle, approvals.
In 2016, Merrill met with FICO CEO, Will Lansing, to review the impact GetFundable.com optimization technology was having on a borrower’s “fundability.” As a result of that meeting, Merrill was authorized to meet with FICO’s Score Development Teams. After signing a non-disclosure agreement, Merrill was able to quiz FICO developers about their credit profile metrics so that he could better assist borrowers in accomplishing their funding needs. Merrill and members of his team have been to every FICO World Conference since then with a commitment to continually improve Fundability Optimization and significantly improving Borrower’s funding approvals.

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