[00:00:00] Julius Oni: Multifamily real estate particularly it’s a team sport. I mean, you need a team of, what, brokers lawyers, you know, lenders, property managers, accountants. You know, this is a bunch of players that have to kind of interact to make any deal possible. So, to really get to the apex of it, to really achieve your goals. You need to, like, develop relationships. You need to kind of have the team player mindset. It’s so difficult as a solo person to do anything in this space because you may climb up. It would just be a slow climb.

[00:01:34] Nicole Pendergrass: With that, we’re going to move over into the real estate side of things. So first though, you’re still actively an orthopedic surgeon.

[00:01:42] Julius Oni: Oh yeah. I’m going to do it until my hands can’t do it anymore.

[00:01:46] Nicole Pendergrass: Until, so I’m looking at you and your partners at XSITE Capital. Everybody’s still active in their jobs, right? In their W2?

[00:01:53] Julius Oni: Yeah. Everybody’s still active in their jobs, but not necessarily in W2. My partner, Leslie Awasom, he still works as a CRNA, you know. But not necessarily full-time. My other partner, Tenny Tolofari is a cybersecurity consultant.

[00:02:10] Nicole Pendergrass: Okay. Okay. All right. So, alright. Maybe they finagled a little bit of time, but you have no time. How are you, like, so this whole conversation is about people creating that passive income so they could invest. I’m sure you’re going to share how they can invest with you so that they can just have that passive income coming in, but what you are doing is not passive because you are an active operator. So how in the heck do you have time to do that? As an orthopedic and you have, and there’s no excuses ’cause you have a young girl, a 10-month-old. Is she still, how, when was this printed? How old is she now?

[00:02:52] Julius Oni: That was, like, she’s 22 months old now. And I have another.

[00:02:55] Nicole Pendergrass: And now you have another one.

[00:02:58] Julius Oni: A 5-month-old. Yeah, it’s a beautiful thing. Yeah.

[00:03:00] Nicole Pendergrass: You know what, ’cause I have a W2. I’m still working full time and I have two young kids. I have a two-year-old and a four-year-old, two daughters.

[00:03:08] Julius Oni: Oh fantastic.

[00:03:09] Nicole Pendergrass: Beautiful, yes. And they run me ragged. And I’m doing real estate and I’m doing this podcast, and I’m doing my W2, and I’ll do it again. So, my job is nowhere near, as demanding as yours. So how, please?

[00:03:22] Julius Oni: I tell you, I’ll tell you.

[00:03:23] Nicole Pendergrass: Spill the secrets.

[00:03:24] Julius Oni: I’ll tell you. It’s the power of community. When I say the power of community, I mean the community of one, my partners, you know. I have both Leslie and Tenny Tolofari who are the most amazing partners, you know. I’m able to leverage their time, their energies, their resources, their incredible knowledge, their tenacity, their persistence. I’m able to leverage all of that to advance our mutual goals of educating people in our community about the asset class that we are experts in and also helping them to create wealth as a result of that education. And without them, there’s certainly no way to do this. And also we’ve also hired to make our lives much easier. We have an incredible team, including Braden Heyd, who is our investor relations associate, who just is amazing and incredible, including Macey Price, who is like our marketing specialist, is so incredible. So I, I mean, we’ve hired very well. We’ve been quick to fire when people are incompetent and we’ve been slow to hire. And so what that has helped us do is essentially hire like a fantastic team. And I mean, we have other folks that work with us, maybe on a part-time basis. And people like Manny Awasom who helps us with underwriting, people like Forrest Brown, who is helping us with some of our acquisitions work, people like Kylaya, who is also helping us with some of our acquisitions and backend support. So we’ve put together, like, a great team of people who are literally working on a daily basis to advance our company’s calls.

[00:05:12] Julius Oni: And we run a very tight ship. I mean, we have a deal flow systems and processes that that is super tight. There’s a certain number of deals that are asked to go through that process on a weekly basis. There’s a certain number of LOIs that goes out on a weekly basis. There’s a certain number of deals that needs to be underwritten on a weekly basis. And we hold each other accountable to those. And that’s kind of the type of ship we run. And also we implemented Traction. Are you familiar with Traction? The Entrepreneurial Operating System?

[00:05:46] Nicole Pendergrass: Yeah. It’s on my list. I have not read that one yet.

[00:05:49] Julius Oni: So, absolutely. So that has worked magic for us. We literally implemented that and since then, I mean, we have done close to a hundred million in acquisitions since then. And it’s incredible. It’s been a game changer for us because we have a total of about 125 million in acquisitions so far, four deals, two as lead general partners and lead sponsors, and two others as co-general partners. But I mean, we stay on top. We have goals and we figure out what we need to achieve those goals, reverse engineer those steps, and we go at it. What do we need to do on a daily basis? What do we need to be doing on a weekly basis? Or do we need to be doing on a monthly basis, quarterly basis, and a yearly basis? And that’s how we’ve been able to achieve what we’ve been able to achieve so far, but we’ve just getting started as far as I’m concerned.

[00:06:48] Julius Oni: And the response from our community has made the job even easier. You know, maybe initially when I was having to, you know, for our first couple of deals, I was having to, I’m also very intense when I decide to do something. You know, initially, I would’ve to create a list of 500 people and call for 12 to 14 hours on a weekend day, just to get like a small fraction of them to invest in our deals. Now, the investors do the job for us because they now are getting their distributions. They see the proof in the pudding. They know, like, and trust us. And so they are willing and ready to invest with us and bring all their friends to invest with us. So they are actually our best advocates. And they go out there and tell their friends, and their friends tell their friends, and before you know it, from one group we have, you know, from one person, we’re having 5-12 to invest with us. And that’s how we’ve been able to, I mean, our last deal, which we closed in April 2022, we raised $7.52 million to buy a $17.4 million deal, one 12 units, downtown Columbia, South Carolina. And we were able to raise that in less than 30 days and over subscribe.

[00:08:05] Nicole Pendergrass: Wow.

[00:08:05] Julius Oni: And then, and the way we do that is just, you know, I mean, obviously when we started to raise $1 million with, hell, it took calling like hundreds and hundreds of people, but, you know, but now it just happens over time.

[00:08:18] Nicole Pendergrass: Wow.

[00:08:19] Julius Oni: And it’s the power of community. That’s what I, I meant, I meant by that.

[00:08:23] Nicole Pendergrass: That was a great example and just explanation of your team and how you’ve built it and grown. And I may have to, like, pick your ear offline more about how to grow from a company of one to bringing on the people, instead of having, you know, some VAs here, VAs there, which is fine, but having some people who are more, like, invested in the company and the company’s mission and want to grow with it and help the company grow together. So bringing that team and, like, working with people on a consistent basis would be great. And so I’m definitely going to reach out to you more.

[00:08:57] Julius Oni: No worries. I’ll do it for you.

[00:09:00] Nicole Pendergrass: Why don’t you just photocopy your home, like, business manual and send it to me? I could give my address.

[00:09:06] Julius Oni: So, so actually, you know, if I had one, I’ll just send it to you, but, you know, whatever it is that I got, I can certainly share with you. No questions about it. We pride ourselves on a spirit of abundance at XSITE Capital, and one of our goals is to help others, create as many XSITE capitals as we can out there, you know? So that’s why, when you were saying earlier that I’m going to, we are going to tell people about how to invest with us. I’m like no, actually guess what? My primary goal is to educate, right?

[00:09:37] Nicole Pendergrass: Yeah.

[00:09:38] Julius Oni: And so either you invest with us or invest with others, but as far as you, the person in our community is investing and growing your wealth and growing your mind and, and get to the next level, my job is done. The universe has a special way of making that spirit of abundance pay off in too many ways and I’m a testament to it.

[00:10:04] Nicole Pendergrass: Yeah, same here. I, I completely agree with that. I’m definitely beyond blessed, especially when you look back from where you’ve come and how far. You know, you might not be exactly where you want to be, may have more goals in the horizon, but if you really reflect on what you’ve accomplished so far, you know, just be grateful and blessed with that. And I know I definitely am. And I can see with, with you and probably your partners too. I haven’t met them yet, but, but it sounds like a great team.

[00:10:34] Julius Oni: Yeah, we’re blessed. I mean, our philosophy is if you want to go fast, you go by yourself, right? You want to go far?

[00:10:41] Nicole Pendergrass: Far, go together.

[00:10:42] Julius Oni: You go together. And multifamily real estate particularly it’s a team sport. I mean, you need a team of, what, brokers lawyers, you know, lenders, property managers, accountants. You know, this is a bunch of players that have to kind of interact to make any deal possible. So, to really get to the apex of it, to really achieve your goals. You need to, like, develop relationships. You need to kind of have the team player mindset. It’s so difficult as a solo person to do anything in this space because you may climb up. It would just be a slow climb. Yeah, and really slow, you know? So it’s always better to like, kind of go with others and eventually you go to, to a certain point yourself and then at some point decide, okay, I’m going to combine efforts with others so that I can leverage their energy, their time, their network, everything. And that’s what we’ve been able to do. We started, right, I mean, actually my partners at exec capital started the business before I joined. Yeah, yeah. And both of them had been, I mean, Leslie, in particular, who I was working with, had reached out to me to be a passive investor in the deal they were raising for.

[00:12:02] Julius Oni: And eventually, around that time of COVID when I looked at that particular deal and I started to read more about, you know, this asset class, I called them back and I was like, listen, I want in. And, and even though they had not closed any deals yet at that point, but, and, and once we, we got on the phone, we spoke for almost four hours. We didn’t even know where the time went. So that was when we knew that, you know, we were meant for, for each other. And the deal was filled. We, you know, came up with a number, and, you know, did the deal, and I became an equal partner, and then we took off after that. Four months after that, we closed our first deal.

[00:12:43] Nicole Pendergrass: Oh, my goodness. See, that’s momentum too. Like, you don’t have to go slow when you’re together. Like, you know, sometimes you actually, I think that going by yourself, you can sprint for a little bit. You can’t sprint for too long by yourself.

[00:12:54] Julius Oni: Exactly.

[00:12:55] Nicole Pendergrass: It’s like you had no one else to pass the baton to, you know?

[00:12:58] Julius Oni: That is a great analogy right there. Yeah. ‘Cause yeah, even if you’re sprinting, you can’t do it forever.

[00:13:04] Nicole Pendergrass: Yeah. I just came up with that on top of my head.

[00:13:06] Julius Oni: That’s incredible. That’s incredible. Absolutely. You did good.

[00:13:11] Nicole Pendergrass: Okay, so, you know, we’re going to be wrapping up, but what I want to kind of get at is when you discovered real estate, what about it specifically, especially for you as a high earner, made you just, just blew your mind. Maybe it’s something that you didn’t realize before or something that was different than being an angel investor, besides the risk of angel investing, which I, I know, but where was that differentiator that made you. Lean toward multifamily more. And even because you had done a few single families and, and now scaling into multifamily, ’cause you had these other experiences. And there must have been something very particular or eye-opening about it that drew you in.

[00:13:56] Julius Oni: It was just the power of the economics of scale, yeah. You know, when you think about, so if you had a single home that you were renting out and you can’t find a tenant right away to fill it up. Or you were transitioning between two tenants, for that one month, you have a zero occupancy, a hundred percent vacancy. You are paying your mortgage that month. That money is coming out of your pocket. Now let’s just double it up, you know, let’s go to duplex. Now you have a duplex, you know, one tenant is out of one, but one tenant is still in one. Now you only have a 50% occupancy. If you, you know, make it a quad, now you have only a 25% occupancy. If just one tenant is out of that and you still have a, I mean, 25% vacancy, rather and 75% occupancy. And so that same tenant not being there, if you have a quad, has less impact on your abilities to pay your mortgage, to have cash flow to, you know, to have passive income. Now let’s go to 100. When you have one tenant out of that, you have a 99% occupancy and 1% vacancy, which is beautiful, right? Oh, and by the way, banks, the insurance company, Wall Street, all the smart money are buying these properties. This is what they buy to hedge against inflation, to cash flow, to grow their wealth, right? But they’re banking on you, the banks, to bring your mone, and the moment you put your money in the banks, right, that money becomes a liability to them. Guess what they do with it? They invest it, they lend it out, they do something with it. They generate income with it. All of a sudden they’re making, you know, 5, 7, 10, 20, 30% on it. And they give you a nice 0.1% if they’re been generous.

[00:16:02] Julius Oni: So think about it, you know? If they are doing that, why can’t you do that yourself? Why can’t you find ways to invest that money? So when I started to discover these things, it blew my mind. I was like, I consider myself a smart person, but this is not smart, keeping all of this, you know, trying to save. You cannot save wealth, just remember that. You cannot save wealth. You can save a little bit of money, ‘cause maybe some reaches you can’t save wealth. You can’t save to create legacy wealth. So when I discovered all of this and I discovered the wealth-creating capacity of real estate, I discovered it’s a tangible asset unlike things like stocks and crypto, which is just existing in the, in either virtual worlds or like, you know, in some computers, this is something that I actually can touch. I could walk in it, I could open the rooms, I could see the toilet so I could, you know, I could see it. It meant so much to me. And then when I realized that it was going to be possible to actually provide great accommodation for other people. You know, I’m in the service business. I serve and help people walk when they’re having quite a bit of pain and debilitations in their function. And just like I’m helping people to walk in my day job. I’m helping people to financially mobilize. in my, you know, real estate job. So that for me was, you know, just gave me so much joy. And then when I really rediscovered that a lot of people in our community of healthcare professionals, a lot of people in our underrepresented minority communities just didn’t really even have access to this.

[00:17:49] Julius Oni: I mean, I consider myself savvy investment-wise, but I didn’t know about this. I didn’t know. I didn’t even, buying a hundred-unit building was not in my realm of possibilities, I mean, of what I could do. And so when I was realizing that, man, this is possible, even though I don’t have the 20 million to go buy a hundred million dollar, hundred unit building, I could, through multifamily, syndications, pool resources in my communities, and then 60, 80, 100 of us could pool out resources, and go buy that same building, and take advantage of the wealth creation, wealth-generating cash flowing advantages, tax advantaged, you know, benefits of this buildings. Oh, it blew my mind. Yeah. And guess what? Around the same time, I realized that I really was developing, I was born and raised in a lower to middle-income country, and I did total joint replacement in the first place because my grandmother had end-stage knee arthritis and couldn’t get access to a joint replacement surgeon at that time. So by the time I was in residency, unfortunately, she died, but now I get to replace other people’s grandma’s, uncle’s, auntie’s, father’s, mother’s knees and hips. And it gives me so much joy. And particularly when I get to do it in lower to middle-income countries and help to expand access in those places. And to do that, I discovered that to really be able to engage in that work of expanding access in places that didn’t have access to those surgeries, I knew that I needed to buy some of my time freedom back and real estate was a great way to do that.

[00:19:33] Julius Oni: And so, I mean, I could continue to go on about the multiple reasons why it just made absolute sense. I mean, don’t get me wrong. I still love doing what I do, and I will probably continue to do it for a long, long time. I love the institution that I’m currently at because they give me a great platform to do this work and engage with it fully in a way that is very meaningful. And they also support a lot of the work that I’m doing internationally, which means a whole lot to me. I don’t want to stop working. You know, a lot of people do real estate to stop what they’re doing. I, I love it too much. The operating room is my happy place. I don’t want to stop, but I certainly want the freedom to be able to maybe do a little more of, some of the international work that I’m doing. I would love to have the autonomy to take my family wherever I need to take them, wherever time I want to take them, you know, for as long as I need to take them without having to worry about, you know, the income that needs to come in and things of that nature. And that’s the kind of freedom that, that real estate can give me. So, I’m all in and it’s been just an incredible journey so far.

[00:20:49] Nicole Pendergrass: Wow. That was super impactful and very touching. Just your story and your why or why you even went into orthopedic surgery in the first place. And that how, like, even though you couldn’t help your grandmom, now you can help other people’s grandmoms, and I, I love that, you know. And then that gives you the freedom, like you said, with the real estate. It gives you location freedom so that you can go to these other places and you can help in a wider, you know, area of people who don’t have access. And so you’ve taken that, not having access with mobility. And like you said, you’re helping people be financially mobile as well because you’re taking that same mission into the real estate side and you’re investment vehicle. And we that’s, we are very much aligned when it comes to that because, you know, my whole platform is about helping minorities and underserved communities have access to these types of opportunities. So I’m still working on that and I’m still on the journey.

[00:21:49] Julius Oni: You’re doing a great job.

[00:21:51] Nicole Pendergrass: Thank you. Thank you. I love to see, you know, people like you, people who look like me, people with the same mission, you know, moving forward ’cause you’re, you’re leaving that trail to follow. And so I thank you for your, your service and your work that you’ve been doing in both realms, the medical field and in real estate. So that’s, that’s fantastic.

[00:22:10] Julius Oni: Thank you.

[00:22:11] Nicole Pendergrass: Thank you so much for sharing that. Yeah.

[00:23:20] Nicole Pendergrass: So what we’re going to do now is actually, I’m going to ask you the last couple of questions that I ask every guest. So the first one is Warren Buffett actually said that diversification is protection against ignorance. Now I kind of take that to mean that people diversify because they don’t know what they’re doing. So they use that to like hedge their investments. And whether that’s good or bad, you know, just depends on your viewpoint on it. But what do you think about diversification in that statement that Mr. Buffett said.

[00:23:52] Julius Oni: Well, Warren Buffett can say anything that he wants to say and it’ll probably be right. I mean, the guy’s proven throughout his life work that he is deserving of making a statement like that. I think what he was just trying to say is, from my perspective is that you need to be focused. You need to have, like, a main focus and a strategy for wealth creation and, you know, and yes, you could have peripheral other sources of income. I mean, I think the IRS at one point released a publication that says the average millionaire in the US has about seven sources of income, right? So for me, diversification is having multiple sources of income so that even if one sector is impacted adversely that you were still overall fine. And for me, the main source of focus for me, when it comes to investing is real estate, obviously. Prior to real estate, it was angel investing. So now I feel like I’ve gotten about six of the seven sources of income covered. The only one that’s left is the, you know, products-focused income stream. And I do believe actually to some extent that almost everybody needs to, especially in this digital world, that you, you kind of need to, you know, I have some products out there that you are, you know, selling out to the work because there’s great opportunities there. I just don’t have the time or energy to do it at this point, given everything else that I’m doing. But at some point, don’t be surprised if I tell you that I’ve got some story you’re probably, I’ll probably be a silent partner in it, but, but, but, but don’t is surprised, but yeah, I do believe, I mean, to me, I think you still have to be somewhat diversified. You have to have one main focus where, you know, you solely believe in it. You do a deep dive and really understand it properly so that regardless of the economic conditions and the market conditions, you’re going to be fine.

[00:25:59] Julius Oni: Just like now, even though the interest rates are going up. And you know, there’s a little bit of angst in the, you know, multifamily real estate community, I’m not stressed. I know we just have to kind of modulate some of our strategies to fit the current realities. But I know the fundamentals and I know that if I stay following the fundamentals I’m, I’m going to be okay. And my investors are going to be okay. So not really stressed at all. Actually, I think there’s going to be great opportunities coming up, you know, in the next several months in the multifamily real estate, and I’m just at this point, tightening our operations, getting us ready to take advantage of those opportunities when they come. So when you have that level of mastery of your main source of investment, then you could kind of sit back and relax a little bit, but also continue to invest. I mean, I have a small crypto portfolio and I don’t know much about it, but like, dollar cost average, Bitcoin, and Ethereum. And if it works out great, if not, great, I don’t try to buy the low or, you know, sell so high. I just dollar cost average it with my stock portfolio. You know, I don’t know how to trade on a daily basis. So I have somebody manage that for me.

[00:27:23] Julius Oni: For other sort, like, angel investments, I’m investing in actually the founders. I want people who are greedy, who are adaptable, who have great ideas, who are not just going to quit at the first, you know, sign of trouble and when you pay that type of, those types of founders with a good idea, then the company has a great chance of surviving or doing very well. So that’s usually my strategy there. There are multiple examples, but, you know, I think you just have to, you know, have one main focus, but also kind of, you know, spread your, I guess, eggs in a few baskets.

[00:28:00] Nicole Pendergrass: I like that. So have the focus on the one that you’re actually going to be active in kind of building up and then kind of passively invest in some other ones to diversify the portfolio. So that’s great advice. Second question actually, have you played Monopoly before?

[00:28:16] Julius Oni: Yeah, somewhat peripherally.

[00:28:18] Nicole Pendergrass: Okay. So Baltic Avenue is the cheapest property, one of the cheapest, and Boardwalk, you know, is the most expensive. So what is your strategy to win? Which property are you buying first and why?

[00:28:31] Julius Oni: It depends on how much funds I have to start. If I have a lot of funds to start, and depending on the growth prospects of the expensive property after significant research, if I’m able to determine that, you know, like there is significant growth prospects and I have the money to buy on, you know, Boardwalk, or is it Boardwalk that you said.

[00:28:56] Nicole Pendergrass: Yeah.

[00:28:56] Julius Oni: Yeah, then I’ll buy that But if I have scraps and I just need to get started, there’s still a lot of wisdom in buying Baltic Avenue, and particularly in areas close to, you know…

[00:29:12] Nicole Pendergrass: Close to Boardwalk.

[00:29:14] Julius Oni: Close to Boardwalk so that I could start taking advantage of maybe some expansion of Boardwalk Avenue. So, yeah, so that would be my, that, that would be my strategy.

[00:29:24] Nicole Pendergrass: So the basic, the basic answer is just to get in, just get started, just buy something.

[00:29:30] Julius Oni: Oh, yeah, absolutely. Absolutely.

[00:29:31] Nicole Pendergrass: No matter which way it goes.

[00:29:33] Julius Oni: Absolutely. ‘Cause, cause this doesn’t matter. Even if you fail, you learn so much. So you’ll only fail by not trying it all. Because I know some of the people in our communities who are so paralyzed by their over-analysis of every possible scenario that could go wrong with any investment, you know, including stocks, including crypto, including real estate, where they just so paralyzed that they don’t move at all. And they just keep their money right in the bank.

[00:30:03] Nicole Pendergrass: And, but, you know what’s funny, they think their money’s safe in the bank. And then the bank is investing it because they were too scared to…

[00:30:09] Julius Oni: Absolutely. And the bank, they just loved them. They love them. And they also love the feeling they get when, when they walk into the bank, you know, the bank manager is like bowing down to them.

[00:30:19] Nicole Pendergrass: They’re investing whether you are, you’re actually deciding to or not, right? Somebody’s investing your money unless you’re keeping it a mattress.

[00:30:27] Julius Oni: That’s a great way to say it. Absolutely. So, yeah. So the old idea is you got to get started. The journey of a thousand miles starts with one step. And that time to take that step is now.

[00:30:42] Nicole Pendergrass: Mic drop. Boom. I don’t have sound effects. So boom, with my fist on the table. But in any case, so I just want to thank you. Oh, my gosh. This conversation was great. We talked for a while. This is excellent. Like, we could have longer feel so much longer too.

[00:31:00] Julius Oni: Oh yeah. We could have kept going for the next two hours.

[00:31:03] Nicole Pendergrass: Yeah. Oh my gosh. What was I going to say? Oh, tell people… Thank you. First of all, again, for coming on and sharing all your experience and wisdom, and insights with people. And I really hope they, they took something from this. It would be crazy if they didn’t, but in any case, how can people reach out to you if they want to know more about what XSITE is doing, if they want to connect, you know, what’s the best way to reach you?

[00:31:28] Julius Oni: Absolutely. Yeah. So, I mean, I’m on LinkedIn, Julius Oni. J U L I U S O N I. But also you could just email me at juliusoni@xsitecapital.com. That’s X S I T E capital.com. And my first name is J U L I U S O N I, it’s juliusoni@xsitecapital.com. Also, you could just come to check us out at xsitecapital.com. There you can find a lot of information, you know, that can educate you about what we do, and our multifamily real estate could be another way for you to create passive income and grow your wealth. We also pride ourselves significantly on, on the particularly the education that we provide. We also have a meetup every first Monday of the month. the Exciting World of Multi-Family Meetup. And it’s virtual, so you can join us. So just follow us on all our platforms and, and join us in the meetups, and let’s engage in these conversations and continue to grow together. So thank you.

[00:32:32] Nicole Pendergrass: Perfect. Definitely again, we’re going to have all those links to your contact information, your website, the meetup, all of that we have in the show notes so that everybody can just access that easily. So thank you again, Dr. Oni, for being with us today. Everyone, if you have gotten any kind of insights or nuggets from today’s episode, please give us a rating or review so that this information can be shared with other people or actually share it with your friends and family if this is something they need to hear. You know, we’re trying to share information, Share The Wealth is about sharing information on how to build wealth that we don’t normally have access to because we’re living in our own worlds. Every world is just is different. You can be so easily separated from the information. It could be sitting right next to you. You don’t know that it’s there and it exists.

[00:33:22] Julius Oni: Absolutely. Absolutely.

[00:33:23] Nicole Pendergrass: I love that your platforms about education. So thank you too, for bringing that.

[00:33:28] Julius Oni: Thank you so much, Nicole. This was a great conversation. Thanks so much for creating this type of platform to educate folks, and I just can’t say thank you enough for the opportunity to speak on your platform. Thank you.

[00:33:41] Nicole Pendergrass: Thank you. Thank you. Appreciate that. All right, everyone. So that is a wrap and we will see you next time.

[00:33:48] Julius Oni: Awesome.