She never set out to be a realtor. She wanted to be an artist. Art was her first language. English was her second. But life had other plans, and six years into real estate in Indianapolis, Indiana, Stacey Brown has built something real one client at a time.

On this episode of Troy Talks Money, Stacey gets honest about what the job actually looks like behind the scenes. She talks about the creativity behind negotiation and why contracts are so much more than pushing papers. She shares the money mistake she sees buyers make over and over that kills deals at the last minute. She talks about the deal that almost made her walk away from real estate entirely and what she did instead. And she explains why the renter mindset is one of the most dangerous things a new homeowner can carry into their first year of ownership.

She also said something about home insurance versus home warranties that every homeowner needs to hear. Insurance is for things that could happen. A home warranty is for things that will happen.

This conversation is for first-time buyers, current homeowners, real estate investors, and anyone who has ever thought that buying a home is the finish line when it is really just the beginning.

Connect with Stacey Brown:
Instagram: @staceysolditmeforme
Facebook: Stacey Brown
Email: brown.stacey@kw.com
Phone: 317-732-1001
Keller Williams Realty Indy Metro Northeast

Troy Holt is a Certified Financial Education Instructor, Navy veteran, and debt elimination specialist.

He helps families pay off their mortgage and all debt in five to seven years without refinancing.

Visit TroyHolt.com to book a free consultation.

No pressure.

No pitch.

Just a real conversation about where you are and where you want to be.

She was a military spouse who had done every job under the sun. GS9 manpower analyst. Air Force marketing office. Burger Barn. You name it. When her husband retired early at 15 years, and they found themselves carrying more debt than they planned for, she made a decision.

She got her real estate license, burned the ships, and went all in.

Ten years later, Jacqui Luberto has been named the best real estate professional in Destin six years running. Her brokerage, Realty One Group Emerald Coast, has won Best Real Estate Company five years straight. Her property management company has taken home Best Property Management Company four years in a row. And in 2025, her peers named her Broker of the Year by Emerald Coast Real Producers.

On this episode of Troy Talks Money, Jacqui gets real about what it actually took to build that track record. She talks about the sphere of influence and why most people misunderstand what it means. She addresses the VA loan myths that are costing military buyers money at the closing table. She explains why interest rates should not be stopping anyone from buying right now. And she shares the mindset shift that changed everything for her and for the agents she coaches.

She also built a property management company from scratch that now manages 450 doors, and she did it in a way that most companies in this space are not willing to do. She gave up the listing when owners are ready to sell instead of locking them in.

This conversation is for military families, real estate professionals, aspiring entrepreneurs, and anyone who has ever been told their passion is not practical.

Connect with Jacqui Luberto:
Website: thinkactlead.com
Licensed in Florida and Alabama

Troy Holt is a Certified Financial Education Instructor, Navy veteran, and debt elimination specialist.

He helps families pay off their mortgage and all debt in five to seven years without refinancing.

Visit TroyHolt.com to book a free consultation.

No pressure. No pitch.

Just a real conversation about where you are and where you want to be.

She applied to Navy Federal three times. Got denied three times. Then she showed up to a job fair, sold herself in a last-minute interview, and built a career that took her from collections to teller to mortgage loan officer across multiple states.

Today Shantay Mbu is back in her hometown of Pensacola, Florida, running her own growing property management company. And she is doing something most property management companies in this market are not doing. She is offering owners up to 11 months of upfront rent deposited into their account in three to five days as long as a 12-month lease is in place.

On this episode of Troy Talks Money we got into what property managers actually do that most owners never know about, why self-managing your rental property could be costing you more than you realize, what it really takes to screen a tenant the right way, how her mortgage loan officer background makes her better at property management than most people in this space, and why getting denied is not the end of anything.

This conversation is for real estate investors, homeowners with rental properties, anyone thinking about getting into property management, and anyone who has ever been told no and kept going anyway.

Connect with Shantay Mbu:
Phone: 850-912-9991
Business line: 448-228-7719
Website: www.rpmoceanfront.com

Troy Holt is a Certified Financial Education Instructor, Navy veteran, and debt elimination specialist. He helps families pay off their mortgage and all debt in five to seven years without refinancing. Visit TroyHolt.com to book a free consultation. No pressure. No pitch. Just a real conversation about where you are and where you want to be.