Welcome to AwarePreneurs, the world's longest running social entrepreneur podcast. I'm Paul Zelizer, your host. If you could take a moment and hit subscribe and do a review on your favorite podcast app, it helps our guests help more social entrepreneurs and it costs you nothing. Thank you so much. Today our guest is Kaliah Fuzzy Jardine and our topic is how to survive in any market. Navigating the cost of living crisis. Has anybody in your network been talking about the cost of living and how it just keeps going up? Well, they sure have been in my network. Yeah.

So Fuzzy's going to help us out with that. Goliath Fuzzy Jardine is the co founder of Hui Mastermind. Empowers Native Hawaiians and locals to build generational wealth through real estate in their homeland, the Pono Way. A former drug addict and dealer who spent time in federal prison, Fuzzy built a multimillion dollar real estate portfolio including 100 plus affordable homes and a 6 million rental portfolio. He uniquely teaches investing using other people's money and time Opm opt making complex strategies accessible. Fuzzy's journey began from growing up with nothing, leading to addiction, drug dealing and federal prison. His pivotal turning point came during incarceration, igniting his pursuit of real estate investing. As a path to freedom and legacy, there is unique experiences.

Fuzzy developed a step by step HUI framework to help aspiring investors ethically secede in Hawaii's challenging market, proving that anyone can change their financial destiny. Fuzzy, welcome to AwarePreneurs.

Aloha, Paul, thank you so much. And yeah, what you're doing today will determine your tomorrow. So I just, you know, want to mahalo you for having me on and look forward to this conversation.

I'm super excited to have you here. My understanding is, Fuzzy, before we get into the specifics, when we're talking cost of living, my understanding that Hawaii is maybe the most expensive market in the U.S. certainly one of. Is that fair to say?

Yeah, it's definitely one of the most expensive markets in the world. Right. It's, it's. They gotta ship everything in. So that's one of the reasons why it, you know, costs so much. And not only that, they tax you for everything. So yes, we are in an expensive state here, but it's beautiful, right? I think the cost of living in, you know, the Pacific Ocean and just everything's green and you know, beautiful blue ocean. I think that's one of the reasons why it costs so much.

Yeah. So let's go back to the beginning. Fuzzy, as we read in the bio, you had a Bit of a bumpy start. Take us back to the beginning. What were your early experiences that shaped things, like how you saw work and money and survival? Like, how did those early experiences get you on one track that changed into another track?

That's a. That's a great way to start. Yes, Paul. So I started as a, as a youngster with growing up with a single mom, you know, and grew up with my grandparents. My mom's parents kind of took me under their wing and just all I seen was mom working two or three jobs. I seen grandfather. My grandfather always working, working, working, working. But then they always.

He always supplied food. He was a pig farmer. So I grew up on a little pig farm in Waimanalo. We lived on lease land, so lease land is basically, you know, they were just paying rent just to stay there and didn't own it. So what happened was the lease, the person that owned that property cut the lease, and everyone that lived in that neighborhood had to move away. So my grandfather and grandmother from the Big island, he decided to move back to the Big Island. My mom moved to, you know, Kailua, which was a town away from Waimanalo, and she stayed, you know, found work and I. I followed my grandparents.

So I grew up. I grew up with my grandparents, and I had a. My uncle who was the youngest of my grandparents, so they had eight children. Anyway, long story short, he was kind of a rascal guy, and I kind of wanted to be like him. Alcohol was always at. In the coolers, right at my house. My grandfather was an alcoholic, so it was. It was kind of like I made the choices.