Jeremy Fernandez is a jiu jitsu brown belt, a father of four boys (two in college, one about to turn 10, and a stepson turning 30), and the owner of JF Woodworking, a one-man remodeling business in the St. Louis area. He's also one of the hosts' main training partners at Watson's.

Jeremy grew up poor in a chopped-up second-floor apartment with no air conditioning until he was 16. That's the year he stood up to his father, grabbed his clothes, and never went back. Wrestling was the first place he felt good at something: he started around 12, used his long, lanky frame for leverage, and won freestyle state as a sophomore. He talks openly about a father who drifted out of his life (the Christmas cards left in the screen door), about becoming a stepdad at 19 without any model for it, and about the things he'd do differently raising his older boys.

From there: custom car audio (where he learned to build), MMA under Jermaine Andre and later at Finney's, walking away from the cage, and finding the missing piece again in jiu jitsu. He breaks down how he competes (a relaxed "it's just a hobby" mindset held alongside an "I'm going to kill everybody" mindset), his exact competition-day ritual, the Dallas Open win over a six-time world champion, and why he stopped making game plans. The back half covers JF Woodworking: learning trades from old-timers, YouTube, and building codes, obsessing over tile, forgetting to bid a $5,500 shower, and a full kitchen/laundry/master-bath gut due by Christmas Eve.

Most Pilates instructors you see on Instagram got certified in a weekend.

Montanna Michaels spent 600+ hours, and she thinks that difference is everything. Montana Michaels, a former professional dancer, and Jacquez Perry, a D1 400m runner turned mechanical engineer, join Zach and Pat to talk about building three businesses at once: RYZE Studio STL, a classical Pilates studio; a South City rental portfolio built from city-owned LRA lots and tax-sale properties; and Jack's own qualification and validation engineering firm.

They explain how the St. Louis LRA program works, why multifamily beats single-family for them, what hiring the cheapest contractor cost them, and why they answer tenant maintenance calls within a day. Montannaa explains why Pilates exploded ("because it's cute"), how to tell a real studio from a trendy one, and the perfect weekly split of Pilates and lifting.

Jacquez explains how engineers keep a million dollars of medicine from spoiling overnight. Plus: ballet at five with someone yelling at you in the mirror, dancing in a living room during COVID, motivation vs. discipline, and Zach and Pat's plan for anyone starting out: five duplexes in five years. And why real estate is never passive income.

He spent 17 years in corporate IT and cybersecurity. Then a $4,000 detail job went so badly that he decided to build the shop he wished existed. Ron Podgorny, owner of Arch City Detail in High Ridge, MO, joins Zach and Pat to talk about walking away from a stable six-figure job, signing a personally guaranteed lease, and going from opening to full-time in five months. He breaks down why a shop beats mobile detailing on profit, why he was told never to hire experienced detailers, why his coach says a $1.5M business at 30% margin beats chasing $10M, and how an introvert calling 200 past customers turned into a ton of new work. Plus: detailing a $2.5 million car collection, a new hire caught napping to SpongeBob on the clock, what four years of jiu jitsu taught him about business, and the one thing he'd tell himself before quitting: everything takes five times longer and costs twice as much.