From Debt To Discipline

Send us a text What does it take to turn near-collapse into a foundation for long-term wins? Carlos Beruff joins us to unpack the real mechanics behind “going all in,” from scrappy weekend sales hacks to calmly unwinding $20 million in debt without filing bankruptcy. His story moves beyond highlight reels: a blown margin on early builds, a makeshift plan involving people sleeping outside a lender to secure 8 percent mortgages, then a deliberate pivot to distinctive product, market share, and, later, radical patience. We walk through the decisions that protected him when cycles snapped. Carlos breaks down why he sold aggressively in 2004–2005 when prices were absurd, sat on cash for four years, and then bought deeply from 2009 to 2012. He explains the discipline that underpins that patience: a six-month working-capital rule, only borrowing for assets that can pay you back, and cutting small daily leaks that stall compounding. Expect tough-love financial wisdom—stop financing depreciating toys, save even when it hurts, and let your money work while you build skills and options. Beyond money, Carlos shares the habits and values that keep him steady. He trains six days a week, designs projects with taste and utility, and credits mentors and partners over any myth of being “self-made.” Gratitude for the opportunities in the United States is a constant theme, as is a quiet but firm spiritual growth. If you’re starting out, you’ll leave with a practical roadmap: write down every expense, strip what doesn’t serve you, build your reserves, and aim for first base every day. Home runs arrive to those who can stay in the game. Subscribe, share this conversation with someone who needs the push, and leave a review telling us the one money rule you’re taking forward. To Learn more about Carlos Beruff:  Linkedin: https://www.linkedin.com/in/carlos-beruff-932852b To Reach Jordan: Email: Jordan@Edwards.Consulting Youtube:https://www.youtube.com/channel/UC9ejFXH1_BjdnxG4J8u93Zw Facebook: https://www.facebook.com/jordan.edwards.7503 Instagram: https://www.instagram.com/jordanfedwards/ Linkedin: https://www.linkedin.com/in/jordanedwards5/ Hope you find value in this. If so please provide a 5-star and drop a review. Complimentary Edwards Consulting Session: https://calendly.com/jordan-edwardsconsulting/30min