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again today were going to be talking about how to create wealth using subject to with promissory note so today the class is deep in three parts wealth promissory notes and then subject to to quickly define what wealth in my opinion is is where you dont have to trade your time for money simply put if you dont have to work to get paid and pay your electricity you pay your water bill then youre a wealthy now we can define in many different ways but its a good place to start where you only do things that you want to do because you truly love it you dont do anything because of some papers now lets talk about the second part of this before we can dive in subject to subject to is a strategy that I personally used Im not giving financial advice Im not telling you you should do this its something that I personally do that Im giving you my personal experiences is a strategy that Ive used in the last crash 2006 fourth quarter 2007 2008 2009 etc to buy houses from what I call motivate