Tag: NAHREP

NAHREP 10 Disciplines: Self-Awareness & Meaning

In a time when achievement is often mistaken for fulfillment, the question of what gives life true meaning has never been more urgent. Many chase success but feel no satisfaction. They build wealth but lack peace. As someone who trains and coaches others using the NAHREP 10 Disciplines, I have seen firsthand that meaning is not found in accolades or approval. It is created through alignment, action, and accountability.

Meaning is not something you stumble upon. It is something you build with intention. And the foundation is discipline.

Simon Sinek teaches us to start with why. John Maxwell reminds us that leadership is influence. Brene Brown urges us to lead with vulnerability and integrity. These principles, echoed in the NAHREP 10 Disciplines, point us toward a powerful truth. When you align your daily actions with your highest values, your life becomes meaningful because it begins to matter to others.

As a NAHREP 10 Certified Trainer, my mission is to help professionals grow their impact by living with intention. Whether you are building a real estate business, creating financial freedom, or becoming a role model in your community, the lessons are the same. Be honest with yourself, stay disciplined in your habits, and lead with vision, as highlighted by the NAHREP 10 Disciplines.

Self-Awareness of your Financial Position

Every step toward lasting growth begins with one critical act: telling yourself the truth. Not sugarcoating. Not avoiding. Just getting real. This isn’t about guilt—it’s about ownership. Because when you clearly see where you stand, you finally have the power to change it.

One of the most transformational financial habits is knowing your net worth. It’s not just a number—it’s a mirror. It reflects how you’ve handled money, what habits you’ve built, and where your priorities lie. Tracking your net worth forces you to face the truth: what you own, what you owe, and what direction you’re actually heading in.

When you do the math, you stop guessing—and start growing. Because awareness leads to smarter decisions, and smarter decisions lead to financial freedom. That’s why this NAHREP 10 Discipline isn’t optional. It’s foundational within the NAHREP 10 Disciplines framework.

Mastery and Growth is a Core Value

A life without skill is a life without direction. As professionals, we must commit to being excellent at what we do. That means becoming a student of our craft. It means reading, training, practicing, and sharpening our thinking every single day.

Clarity in language and confidence in communication are more than soft skills. They are tools of influence. Whether in a client consultation or a family conversation, those who can speak clearly, listen actively, and write with purpose are those who lead with impact.

Being coachable is one of the most underrated disciplines. It is not about admitting weakness. It is about welcoming growth. A willingness to learn from others and evolve your mindset is how you stay relevant and resilient, as highlighted by NAHREP 10 Disciplines.

The Climb to Success: Discipline and the NAHREP Path to Impact

No worthwhile goal comes without resistance. The best leaders are not those who had it easy. They are those who chose to keep climbing when things got hard. If you want to be in the top 10 percent of your profession, you need to train for it like an athlete. Not just with more effort, but with more intention.

Success is not about working more hours. It is about doing the right work with the right mindset, for the right reasons. When your purpose is clear, your energy has direction. When your goals have depth, your discipline becomes sustainable. Aligning with the NAHREP 10 Disciplines makes this journey easier.

Civic Engagement and Advocating with Purpose

One of the most important but often overlooked aspects of building a meaningful life is the ability to impact change beyond your immediate circle. True leadership includes understanding how laws, policies, and government systems affect your business, your community, and future generations.

Being politically savvy means staying informed about public policy, engaging with your local representatives, and using your voice to advocate for the interests of underserved communities. It is not about partisanship or political theater. It is about responsible citizenship and strategic involvement in the systems that shape opportunity.

The NAHREP 10 Disciplines challenge us to use our influence not just for profit, but for progress. Whether you are supporting housing legislation, advocating for fair lending, or encouraging civic participation, your engagement matters. Change does not happen by chance. It happens when prepared leaders show up.

Call to Action

Now is the time to begin. Whether you are reflecting on your finances, your leadership, or your community impact, the shift starts with one decision—to become more intentional, more informed, and more aligned. You have the power to begin that change today.

If you are ready to lead a life that is not just successful but significant, reach out. I would be honored to support your growth, your business, and your role in creating generational wealth within your community. Whether through a strategy session, a training workshop, or simply a meaningful conversation, let’s move forward together.

Contact Mark Pinilla to explore how the NAHREP 10 Disciplines can help you grow, give back, and lead with impact.

#LiveWithPurpose #MeaningfulLeadership #NAHREP10 #LatinoLeadership #GenerationalWealth #BuildWithDiscipline #PolicyWithPurpose #EmpowerYAvanza #RealEstateImpact #CommunityDrivenSuccess #MarkPinilla #PurposeInAction #AdvocateForChange #LeadershipDevelopment #LegacyBuilders #HispanicWealthProject #NAHREP #NAHREPSouthFlorida

Boost Your Credit Score: Strategies for Financial Growth

What’s standing between you and your financial freedom? For many, it’s a three-digit number: your credit score. But the good news? You have the power to change it and boost your credit score.

Improving your credit score isn’t just about better loan terms or lower interest rates—it’s about building confidence and opening doors to new financial opportunities. Let’s explore how real strategies, smart decisions, and the right mindset can transform your financial path.

How Maria Turned Her Credit Around

Maria, a driven marketing professional, found herself stuck with a credit score of 620. The weight of a high credit card balance and a Home Equity Line of Credit (HELOC) was holding her back. Sound familiar?

Her Challenges:

  • High Credit Utilization: Credit cards nearing their limit were keeping her score low.
  • Complex Debt Mix: Managing both a credit card and a HELOC added financial strain.

What She Did:

  1. Tackled Credit Card Debt First: Knowing that reducing credit utilization could quickly boost her score, Maria focused on paying down her credit cards.
  2. Stayed Consistent with HELOC Payments: While the impact was slower, maintaining regular payments supported her long-term financial health.
  3. Minimized Debt: Inspired by NAHREP’s Discipline #4, Maria committed to minimizing debt to build long-term financial stability. Discipline #4 states: “Minimize Debt because it is the biggest enemy to wealth.” This principle emphasizes the importance of avoiding unnecessary debt and focusing on paying down existing obligations. Maria prioritized reducing her debt load, understanding that lower debt levels meant less financial stress and better credit health. By adopting this discipline, she created more room for financial growth and resilience. (Learn more about NAHREP 10)

The Result?

  • Within six months, her credit score soared to 700.
  • Maria gained not just financial leverage but confidence in managing her money.

If Maria can do it, so can you.

Boost Your Credit Score by minimizing debt

5 Simple Steps to Boost Your Credit Score

  1. Check Your Credit Report: Know where you stand. Identify errors or negative factors.
  2. Cut Down Credit Card Balances: Keeping your utilization below 30% (or ideally 10%) can give your score a quick lift.
  3. Stay Consistent with Payments: Never miss a due date—payment history makes up 35% of your credit score.
  4. Mix Up Your Credit: Having a combination of credit types can improve your score over time.
  5. Live Smart, Spend Smarter: Budget wisely. Building financial resilience now prepares you for the unexpected.

Want to Dive Deeper on boosting your credit score?

Check out “Your Score: An Insider’s Secrets to Understanding, Controlling, and Protecting Your Credit Score” by Anthony Davenport. It’s packed with strategies to help you navigate the credit system with confidence. Buy it on Amazon

Ready to Take Control of Your Financial Future?

Improving your credit score isn’t just a financial move—it’s a lifestyle shift. It’s about taking control, making intentional decisions, and setting yourself up for long-term success.

If you’re ready to boost your credit score and take charge of your financial journey, connect with Mark Pinilla for personalized guidance. His expertise can help you design a strategy that fits your goals and gets results.

What’s your biggest challenge with credit? Consistent effort, smart strategies, and expert advice can transform your credit and your financial future. Let’s take that first step together!

#CreditScore #FinancialGrowth #DebtManagement #NAHREP10 #FinancialFreedom #PersonalFinance #CreditRepair #WealthBuilding #SmartSpending #MarkPinilla #Empowerment

Invest Every Month for Financial Wealth With Dollar Cost Averaging

The Biggest Investing Mistake: Waiting for the Perfect Time

Many people delay investing because they believe they need a large sum of money or must wait for the “perfect time” to enter the market. The reality? Financial freedom isn’t about timing the market—it’s about time in the market. The earlier and more consistently you invest, the more wealth you build. Invest every month for financial freedom, and you’ll be amazed at the results over time.

One of the simplest and most effective strategies for wealth-building is Dollar Cost Averaging (DCA)—a method that helps you grow your investments steadily, avoid emotional decisions, and leverage the power of compounding interest.

What is Dollar Cost Averaging (DCA)?

Dollar Cost Averaging is an investment strategy where you invest a fixed amount of money at regular intervals—regardless of market conditions. This means you buy more shares when prices are low and fewer shares when prices are high, ultimately averaging out your purchase price over time.

Example of DCA in Action:

Imagine you invest $500 per month into a stock market index fund:

  • In a month when prices are high, your $500 buys fewer shares.
  • In a month when prices are low, your $500 buys more shares.
  • Over time, your cost per share averages out, reducing the risk of investing everything at a market peak.

Why DCA Works:

✅ Eliminates Emotional Investing – No need to worry about when to buy or sell.
✅ Reduces Market Timing Risks – You benefit from long-term market growth rather than short-term swings.
✅ Builds Wealth Consistently – Small, steady contributions grow significantly over time.

Automate Your Investments

The best way to stick with DCA is to automate your investments. Set up an automatic monthly transfer to an investment account, ensuring you stay consistent and take advantage of long-term growth. Invest every month for financial freedom, and let compounding do the rest.

The Power of Compounding Interest

Compounding interest is what turns small, consistent investments into massive wealth.

How It Works:

  • Your investments earn returns.
  • Those returns are reinvested, generating even more returns.
  • Over time, this cycle accelerates, creating exponential growth.

Example of Compounding Interest:

If you invest $1,000 at an 8% annual return:

  • After 1 year, you have $1,080.
  • After 2 years, you earn 8% on $1,080, growing to $1,166.
  • After 30 years, that $1,000 turns into $10,062—without adding a single extra dollar!

💡 Lesson: The earlier you start, the more powerful compounding becomes. Even small amounts invested today can lead to significant wealth.

The Rule of 72: How Your Money Doubles

The Rule of 72 is a simple formula to estimate how long it takes for your investment to double based on its return rate.

Formula:

72 ÷ Annual Interest Rate = Years to Double

Example:

  • If your investments earn an 8% return, your money doubles every 9 years (72 ÷ 8 = 9).
  • If you start with $10,000, in 9 years it becomes $20,000, then $40,000 in 18 years, then $80,000 in 27 years—without adding more money!

💡 The sooner you start, the more doubling cycles you get.

NAHREP Discipline #5: Invest at Least 20% of Your Income

The National Association of Hispanic Real Estate Professionals (NAHREP) created 10 disciplines for wealth-building, and Discipline #5 emphasizes investing at least 20% of your income in appreciating assets.

NAHREP Discipline 5

Why This Rule Matters:

✅ Creates Generational Wealth – Investing in real estate, stocks, and businesses ensures long-term financial security.
✅ Shields You from Inflation – Your money grows rather than losing value in a savings account.
✅ Builds Passive Income – Investing allows your money to work for you instead of you working for money.

🔗 Learn more about NAHREP’s 10 Disciplines: NAHREP 10 Disciplines

Your Future Self is Waiting: Take Action Today

Imagine looking back 10 years from now, knowing you started investing today. The key to financial success is not how much you invest, but how early and consistently you do it.

Your Next Steps:

✅ Start Now – Begin with any amount and stay consistent.
✅ Commit to Your Financial Future – Small monthly investments compound into significant wealth.
✅ Need Guidance? Contact Mark for expert direction on improving your financial future.

Schedule a consultation with Mark

The best time to invest was 10 years ago. The second-best time? TODAY.

#Investing #FinancialFreedom #DollarCostAveraging #CompoundingInterest #WealthBuilding #PassiveIncome #MoneyGrowth #RuleOf72 #NAHREP #SmartInvesting

Lesly Nicole Santiago – Living the NAHREP 10 Discipline #2

Living the NAHREP 10 Disciplines

Meet Lesley Nicole Santiago: A Humble Powerhouse and True Leader

Meet Lesley Nicole Santiago: A Humble Powerhouse and True Leader

The Rotary Club of Miami is home to many dedicated individuals, and Lesley Nicole Santiago stands out as someone deeply committed to her profession and her community. This week, she is being recognized for Living the NAHREP 10 Superstar for Discipline #2 “Be in the Top 10% of Your Profession”—because being good is not good enough.

True success comes from striving for excellence, making an impact, and elevating those around you.

Success is measured in many ways, but Lesley’s influence is undeniable. At a recent event, I had the privilege of witnessing firsthand the respect she commands within her professional and community circles. Her colleagues hold her in high regard—Joshua Mendez praised her dedication and work ethic at Banesco, while Diane Landsberg, the current President of the Rotary Club of Miami, repeatedly encouraged her to become the next club president. Time and time again, people turned to Lesley for guidance and insight, recognizing her as the go-to person for knowledge and leadership.

NAHREP 10 Discipline 2

Beyond her professional accomplishments, Lesley’s passion for service is evident in everything she does. In the short time I have known her, I have seen her work with purpose and intention, always striving to create meaningful change. Recently, in collaboration with Banesco and NAHREP South Florida, she has committed to supporting homeownership and fostering generational wealth within the Hispanic community. Her leadership and dedication will undoubtedly help strengthen the partnership between these organizations.

It is essential to highlight and celebrate professionals like Lesley—individuals who work tirelessly to make a difference. As a father to two young women in college and a husband who values equality, I believe that recognizing and uplifting strong female leaders is key to building a more inclusive and equitable future.

As a NAHREP 10 Certified Trainer, I am proud to honor Lesley Nicole Santiago for embodying these principles and serving as a shining example of excellence and service. Her impact is real, and her dedication is inspiring.

Bravo, Lesley! Keep leading with passion and purpose—because being good is not good enough!

Find out more about The NAHREP 10 Disciplines.

Are you looking to incorporate wealth disciplines in your life? Contact Mark Pinilla for more information.

Leadership #Excellence #NAHREP10 #RotaryClubMiami #WomenInBusiness #CommunityImpact #GenerationalWealth #HispanicLeadership #SuccessMindset #ServiceAboveSelf #ProfessionalGrowth #EmpoweredWomen #BeTheTop10 #LeadWithPurpose #LesleyNicoleSantiago #MarkPinilla

Yisel Montes-Schickman – Living the NAHREP 10 Discipline #9

Living the NAHREP 10 Disciplines
Yisel Montes-Schickman

At The Keyes Company, Yisel Montes-Schickman is Miami’s version of Santa Claus. As the Co-President of Jhoslen Angels, Yisel has inspired many to give back to the community. Discipline #9, “BE GENEROUS WITH PEOPLE WHO ARE LESS FORTUNATE because philanthropy feeds your heart and spirit and gives more purpose to your work.”

The Giving Heart: How Yisel’s Unwavering Kindness Creates Happiness

Every year, like clockwork, Yisel symbolically knocks on the door of her community. Not just any door—she knocks on the hearts of those around her, rallying them together to bring joy to those less fortunate. To many, she is the beacon of generosity, a force of kindness who reminds everyone of the beauty in giving.

Science has long supported what Yisel already knows in her heart—giving makes us happier. Studies have shown that acts of generosity trigger the release of endorphins, creating a “helper’s high” that boosts mental well-being. Giving fosters a sense of purpose, strengthens social bonds, and reminds us of our shared humanity.

The Keyes Company Hero Award

Yisel and her team of superstars received this year’s Hero Award—a tribute to their many years of service, sacrifice, and leadership.

Supporting Jhoslen Angels

Jhoslen Angels is dedicated to helping underprivileged children and families in South Florida. The organization’s core mission is “To raise funds for underprivileged children and families living in South Florida. The funds raised are spent on events and gifts to bring them joy and love during the holidays and throughout the year.” The organization seeks to “spread joy, hope, and happiness.”

Well Done, Yisel!

With great pride, I recognize Yisel Montes-Shickman as the Living the NAHREP 10 Profile of the Week. Your unwavering dedication, selfless service, and generous heart exemplify the very essence of the NAHREP 10. Thank you for motivating us all to lead with a giving attitude.

Follow Yisel on Instagram
Follow Yisel on Linkedin

Find out more about The NAHREP 10 Disciplines.

#LivingTheNAHREP10 #NAHREP10Disciplines #YiselMontesShickman #PhilanthropyInAction #GenerosityMatters #Discipline9 #CommunityImpact #VeteranSupport #JhoslenAngels #InspiringLeadership #RealtorWithPurpose #ServeWithHeart #PurposeDrivenLife #ImpactThroughKindness

3 Biggest Financial Mistakes & How to Fix Them

Are You Playing the Money Game to Win—or Just Trying to Survive?

Struggling with financial mistakes like poor money management, overspending, and lack of planning? This guide reveals the top financial mistakes keeping you broke and offers proven solutions to fix them, boosting your wealth-building journey with Mark Pinilla.

Most people don’t fail financially because they don’t work hard. They fail because they never learned the rules of the game. Money isn’t just about what you earn—it’s about how you manage, grow, and protect it.

The sad truth? Schools don’t teach financial literacy. Families don’t always pass down the right habits. And society tricks you into thinking success is about driving the newest car, wearing designer clothes, or living in the biggest house.

That’s why so many people struggle with financial mistakes. But here’s the good news: if you know what’s holding you back, you can fix it. And you don’t have to do it alone.

Let’s break down the three biggest financial mistakes people make—and how Mark Pinilla can help you break free and build real, lasting wealth.

1. Lack of Financial Literacy: What You Don’t Know CAN Hurt You

One of the most common financial mistakes is a lack of financial literacy.

  • They don’t know the difference between good debt and bad debt.
  • They think saving is enough—but inflation eats savings alive.
  • They believe working harder equals financial freedom—when it’s really about making money work for you.

The Solution: Learn from those who have mastered the game. Mark Pinilla is a mentor who simplifies wealth-building so you can take control of your future. His approach aligns with the NAHREP 10 Disciplines, ensuring you develop a real strategy, not just financial survival tactics.

2. Living Beyond Your Means: The Silent Wealth Killer

Another financial mistake is living beyond your means. People making six figures still drown in debt because their spending matches their income.

  • The upgraded house
  • The leased luxury car
  • The five-star vacations (paid on credit)

The Solution: Mark Pinilla teaches the discipline of living below your means (NAHREP Discipline #3)—not as a sacrifice, but as a strategy.

3. Failure to Plan for the Future: Hope Is Not a Strategy

Failing to plan for the future is a critical financial mistake.

  • No emergency fund? One unexpected expense can wipe you out.
  • No investments? You’ll work forever because your money isn’t working for you.

The Solution: Mark Pinilla helps shift from reactive to proactive wealth-building. As NAHREP’s Discipline #5 states, real estate and stocks are great ways to build wealth.

Take Action: Your Financial Freedom Starts Now

If you see yourself in any of these financial mistakes, don’t panic—take action.

👉 Schedule a free consultation with Mark Pinilla today.

Because the only thing worse than financial failure is knowing you could have done something about it—but didn’t.

#FinancialMistakes #MoneyManagement #WealthBuilding #FinancialFreedom #DebtFree #MarkPinilla #PersonalFinance #NAHREP10 #InvestSmart #PlanYourFuture

Juan “Sebas” Jimenez – Living the NAHREP 10 Discipline #1

Living the NAHREP 10 Disciplines
A young professional managing finances, symbolizing financial discipline, wealth management, and personal finance success, inspired by NAHREP 10 Disciplines.

At the young age of 20, Juan Sebastian Jimenez exemplifies the principles of the NAHREP 10 Disciplines, particularly Discipline #1: Have a Mature Understanding of Wealth and Prosperity. This principle teaches us that true wealth is not measured by material possessions but by long-term financial security and well-being. Sebas embodies this by making his money work for him, much like the “Investor” mindset from Rich Dad Poor Dad’s Cashflow Quadrant.

Financial Discipline: Sebas a Prodigy at Just 20 Years Old

Sebas graduated high school with strong foundations in financial literacy, wealth management, and personal finance success, earning an associate’s degree, earning a full scholarship to Florida International University. While managing full-time work as a Panda Express store manager, he trains to become a general manager, overseeing operations, staff, and financials — all before turning 21!

With some guidance, Sebas maximized his 401k contributions, opened a Roth IRA, and established a high-yield savings account — a shining example of Discipline 1 in action.


From NAHREP’s perspective, Sebas is a Prodigy:

As a NAHREP 10 Certified Trainer, Mark Pinilla celebrates Sebas’ financial maturity, wishing he had the same wisdom at that age.

Want to build your financial future like Sebas and achieve financial discipline or build financial wealth? 👉 Contact Mark Pinilla today and start your journey to financial success.

#FinancialDiscipline #PersonalFinance #WealthManagement #FinancialSuccess #NAHREP10 #MarkPinilla #YoungInvestor #FinancialLiteracy #MoneyManagement

Simple Ways to Express Love on Valentine’s Day (and Every Day!)

Valentine’s Day often feels like a high-pressure holiday filled with expensive gifts, grand gestures, and elaborate plans. But love is simple—it’s about the everyday moments that make people feel valued and cherished. But love—true, deep, meaningful love—is not about complication. Love is in the little things we do daily to make others feel seen, appreciated, and valued. Whether it’s your partner, family, friends, or even strangers, expressing love can be as simple as a kind word, a small act of service, or a heartfelt moment of connection.

Heartfelt Gestures That Speak Volumes

Love isn’t just a word—it’s an action. Here are simple yet powerful ways to express love in everyday life:

Show Compassion Through Generosity

Love extends beyond personal relationships. Being generous with those in need—whether through time, money, or resources—feeds your heart and spirit and gives more purpose to your work. Consider contributing to organizations that uplift communities, like those aligned with NAHREP’s Discipline #9.

Share Love Through Homemade Meals

The saying “the way to someone’s heart is through their stomach” holds true! Whether it’s breakfast in bed for your spouse, a surprise dinner for your parents, or baking cookies for a friend, food is a universal love language.

Strengthen Bonds with a Thoughtful Message

In our busy world, taking a few moments to check in on someone can mean everything. Call a friend you haven’t spoken to in a while. Send a text saying, “I appreciate you.” These small acts of love have a profound impact.

Express Care Through Thoughtful Actions

Cleaning the house for your spouse, running an errand for a friend, or helping a neighbor with their groceries—small, thoughtful actions show love in ways that words sometimes cannot. As highlighted in the 5 Love Languages** by Gary Chapman**, acts of service can be more meaningful than any gift. Additionally, being active in the lives of your family and children is a powerful way to express love. NAHREP’s Discipline #10 emphasizes that familia is central to who we are, and prioritizing family time enriches our relationships and deepens our connections.

Make an Impact with a Personal Touch

In the digital age, a handwritten letter or note is rare and incredibly heartfelt. Leave a sticky note for your partner, write a thank-you letter to a mentor, or slip an uplifting note into a friend’s bag.

Cultivate Connection by Being Present

Put down your phone. Look people in the eyes when they talk. Be fully present. True connection happens when we offer undivided attention to the people we love.

Valentine’s Day: A Reminder, Not a Requirement

Valentine’s Day should serve as a gentle reminder to express love, not a mandatory checklist of grand gestures. Love is about consistency, not extravagance. It’s the daily moments of kindness that truly define how we love and are loved in return.

So this Valentine’s Day, focus on the simple, meaningful ways to show you care—no need for roses or diamonds. Just love, in its purest, simplest form.

This Valentine’s Day, challenge yourself to express love in a simple but powerful way. Cook, call, serve, or donate. Whatever you do, do it with love.

Mark Pinilla** wishes everyone a warm, fun-filled Valentine’s Day and a moment to show gratitude to those you love.**

Visit Mark Pinilla’s website for more insights on living with passion and purpose!

#Love #ValentinesDay #KindnessMatters #ActsOfService #GiveBack #Relationships #FamilyFirst #NAHREP #Gratitude #Connection

Michelle Haast – Living the NAHREP 10 Discipline #9

Living the NAHREP 10 Disciplines
Michelle Hasst living the NAHREP 10 through generosity and community impact

At The Keyes Company, Michelle Hasst is not just a Realtor—she’s an embodiment of what it means to live the NAHREP 10 Disciplines. As a dedicated philanthropist, Michelle exemplifies the Discipline #9, “BE GENEROUS WITH PEOPLE WHO ARE LESS FORTUNATE because philanthropy feeds your heart and spirit and gives more purpose to your work.”

The Inspiration Behind “Living the NAHREP 10 Disciplines”

I created the “Living the NAHREP 10 Disciplines” initiative for several reasons:

  • Inspire and Recognize individuals for their efforts and successes.
  • Expose the NAHREP 10 Disciplines in a fresh, impactful way to build awareness.
  • Fulfill my personal mission of impacting others through day-to-day connections.


Recognizing Michelle Hasst: A Silent Force of Good

Today, I am honored to recognize Michelle Hasst for her unwavering commitment to serving others. If you meet her casually, you’d never guess the depth of her contributions. She carries herself with the cool, calm confidence of a James Bond persona—always smiling, effortlessly graceful, and quietly powerful.

Michelle wears many leadership hats, but today I want to spotlight just one aspect of her impactful journey.

A Heart for Veterans: Supporting Whispering Manes

Veterans hold a special place in my heart. With a heartbreaking statistic of 22 veteran suicides per day, it is critical for communities to rally around them. My non-profit, Vet Info, is dedicated to reducing that number through education, advocacy, and resources.

Michelle’s philanthropic heart aligns with this mission. She actively raises awareness and supports events for Whispering Manes Therapeutic Riding Center, whose mission is:

“To benefit children and adults with special needs or disabilities by offering them the opportunity to interact with dedicated horses in a manner that promotes physical, mental, and emotional wellbeing. We believe people can develop therapeutic relationships with horses, crossing boundaries of speech and physical disabilities in a way that encourages healing and improved self-esteem.”

Michelle’s dedication to this cause is inspiring. She doesn’t just show up—she engages, leads, and amplifies the mission, bringing therapeutic resources to those who need them most. Her passion and work ethic are immeasurable, proving that true leadership often speaks softly but leaves a lasting impact.

Congratulations, Michelle!

It is with great pride that I honor Michelle Hasst as the Living the NAHREP 10 Profile of the Week. Your quiet strength, heartfelt service, and generous spirit embody the very best of what the NAHREP 10 stands for. Thank you for inspiring us all to live with greater purpose and compassion.

Follow Michelle on Instagram
Follow Michelle on Linkedin

Find out more about The NAHREP 10 Disciplines.

#LivingTheNAHREP10 #NAHREP10Disciplines #MichelleHasst #PhilanthropyInAction #GenerosityMatters #Discipline9 #CommunityImpact #VeteranSupport #WhisperingManes #InspiringLeadership #RealtorWithPurpose #ServeWithHeart #PurposeDrivenLife #ImpactThroughKindness

Maximize Insurance Savings with NAHREP Disciplines

Florida homeowners are finally catching a break. Thanks to recent reforms in the state’s insurance market, many are seeing noticeable reductions in both homeowners and auto insurance premiums. This is a golden opportunity to maximize your insurance savings for a brighter financial future with NAHREP disciplines. But here’s the question: What should you do with those extra dollars?

Rather than letting these savings get absorbed into everyday expenses, you can take simple, powerful steps to secure your financial future.

The Savings Breakdown

With Citizens Property Insurance Corporation decreasing premiums for 75% of policyholders in Miami-Dade County and statewide reductions averaging 5.6%, many Floridians will notice their insurance bills shrinking. Add in auto insurance rate cuts from giants like GEICO, State Farm, and Progressive, and the potential savings could be substantial.

But small savings can make a big difference—if you put them to work.

3 Smart Ways to Use Your Insurance Savings

1. Build Your Emergency Fund

Financial experts recommend having 3-6 months of living expenses saved for emergencies. If you don’t have that cushion yet, now is the perfect time to start. Deposit your insurance savings into a high-interest-bearing account where your money can grow while staying easily accessible.

NAHREP Discipline 5: Invest at Least 20% of Your Income in Real Estate and Stocks While building your emergency fund, consider allocating a portion of your savings to investments. Real estate and stocks are proven to be some of the best and safest ways to build wealth. This approach not only provides security but also sets the stage for long-term financial growth.

2. Pay Down High-Interest Debt

If you have credit card debt or personal loans with high interest rates, apply your insurance savings toward those balances. This not only reduces your debt faster but also saves you money on interest over time—making your savings work double duty.

NAHREP Discipline 4: Minimize Debt Because It Is the Biggest Enemy to Wealth Eliminating high-interest debt is crucial. Debt can hinder your ability to accumulate wealth, so prioritizing its reduction ensures that more of your money works for you, not against you.

3. Boost Your Retirement Contributions

Adding even a small amount to your retirement accounts can have a big impact over time, thanks to compound interest. Consider increasing your 401(k) contributions or adding to an IRA. Future-you will thank you.

NAHREP Discipline 5: Invest at Least 20% of Your Income in Real Estate and Stocks In addition to retirement accounts, diversifying your investments in real estate and stocks helps create a balanced portfolio. This not only supports your retirement goals but also leverages multiple income streams for financial stability.

The Empowerment Factor

This isn’t just about saving money—it’s about creating positive momentum in your financial life. Small changes, like redirecting insurance savings, build habits that lead to long-term wealth and security. When you consistently apply these strategies, you truly maximize your insurance savings for a brighter financial future with NAHREP disciplines.

Call to Action: Take the First Step Today

Don’t let these savings slip through your fingers. Decide today how you’ll use your insurance reductions to strengthen your financial foundation. Whether it’s boosting your emergency fund, crushing debt, or investing in your future, every dollar counts.

For more personalized tips on getting out of debt, saving wisely, and investing for your future, turn to Mark Pinilla, your trusted resource for financial empowerment.

Your financial future starts with the small choices you make today. Make them count.

#InsuranceSavings #FinancialFreedom #NAHREPDisciplines #DebtFreeJourney #SmartInvesting #FloridaHomeowners #WealthBuilding #PersonalFinanceTips #HispanicWealthProject #NAHREP10 #TrainersInAction