JP Albano

"So Rich You Can Quit" book  is out now on Amazon!

Author

Host of So Rich You Can Quit video podcast show.

Host

Significan LC

Co-Host of the Significan Lifestyle Communities Real Estate Video Podcast show.

Principal of Significan Lifestyles Communities, who specialize in apartment real estate investments.

Principal

Cambridge Computer Services

As a Sr. Relationship Manager, I manage senior relationships. I essentially perform the same duties as I did before as a Systems Consultant, but with a more distinguished title.

Senior Relationship Manager

As a Systems Consultant (Technical Account Manager / Resource Broker) I work as both a Account Executive and a Pre-sales Engineering resource for my customers. Positioned as such for customers, I am able to have both technical and business discussions with them.

Systems Consultant

Provided pre-sales engineering support to customers. Manage a number of accounts as an account executive in a sales capacity.

Solutions Architect

Exanet

Responsible for product support / integration of ExaStore clustered NAS units as well as engaging in pre-sales cycles in my region. Run performance benchmarks and system tests for throughput and I/O. Prepare technical documents, Visio diagrams and comparison papers. Act as a technical account manager, providing product and customer support. 

In addition to my regular duties, I work in a pre-sales role supporting the Director of Sales in my territory.

Technical Consultant / Pre-Sales Engineer

Zumasys

At Zumasys I have had the opportunity to perform numerous VMware 3.5 virtualization installations, connected to HP EVA, MSA and Network Appliance SANs. In addition to VMware installs, I perform Citrix Presentation Server 4.0 and 4.5 installations for clients of all sizes. I also provide technical support and project management for those installs.

Performed numerous Exchange 2003 to 2007 installs as well as many Active Directory system upgrades.

Senior Systems Engineer

VPSI

Technical point of contact for the PMW 160 program office. Co-ordinate resolutions to various software related issues.

Sr. IT Specialist

IAG Research

Designed Citrix envirornment, planned helpdesk system, including hiring helpdesk staff. Provided system support.

Systems Administrator (Sr. Role)

Gaming Laboratories International

IT Systems Engineer (Senior)

Involved in cross-country 2500+ user Win2K rollout including quality assurance testing, system ghosting and migrating mailboxes and settings from Notes to MS Exchange 2k.

SSR-Technician

PC Magazine Labs

Benchmarked and inventoried computer systems that were featured in a holiday shoot-out.

Technician

Helping B2B Tech Sales AE's earn passive income while saving taxes by investing in real estate. From $220MM in tech sales to 700 apartment units. Soon to be best-selling author.

Tech Sellers looking to:

☑️ Lower your tax burden
☑️ Escape tech sales burn-out
☑️ Create a sales "escape plan"
☑️ Generate passive income through low risk hands-off real estate investing

My Story: 

Having sold $220M as an Enterprise Account Exec., I was making a ton of money but I was getting killed on taxes and sales just became a transactional flywheel. 

I had to keep selling, selling, selling to keep my head above water.

I finally realized that Tech Sales was really a vehicle to creating wealth by combining it with real estate investing where I can start to put my money to work for me, so I don't have to keep working for my money.

Benefits:

1️⃣ Diversify your W2 sales income (insulate yourself from job loss or market shifts)
2️⃣ Save on taxes (bigger/better write-offs! Save a ton on taxes & earn a return)
3️⃣ Low risk, hands off passive investments (no 2nd job of dealing with tenants / toilets)
4️⃣ Put your cash in the bank to work for you (like the wealthy do)

What we offer:

  ---  Our invitation only investment club helps Tech Sellers to quickly learn how to invest passively in apartment real estate deals that we screen and vet for you, saving you hundreds of hours.

My Real Estate Background and Record

🏦 Sometime in 2017 thanks to a desire to create passive income, I discovered multifamily real estate investing and fell in love.

👛 I put together my first deal with a group of friends in 2019, a 28-unit in Houston, TX.

We put our second deal together, a 12-unit, in Austell, GA.

Our 3rd, a 56-unit in Atlanta, GA, followed by a 96-unit in Augusta, GA.

Our 5th deal, our largest, a 278-unit in Shaker Heights OH came together during COVID, our most difficult to pull off, but had so much untapped potential.

🏧 We exited three deals of our deals and achieved the following returns for our investors;

  ---  28-Unit - 1.83x Equity Multiple and 57.79% Avg. Annual Return 💰 
  ---  96-unit - 2.86x Equity Multiple and 17.49% Avg. Annual Return 💰💰 
  ---  56-unit - 3.27x Equity Multiple and 103% Avg. Annual Return    💰💰💰

John-Paul Albano

Birthdays are a trip.
You wake up to confetti, cold coffee, and kids yelling “Happy Birthday!”
And somewhere in the middle of all that chaos… you start doing math in your head.
 
Another year.
More income.
But am I actually farther ahead?
 
For a long time, I avoided looking too closely at my money.
Not because I didn’t know how, 
but because I didn’t like what it represented.
 
In my head, budgeting meant failure.
That I couldn’t handle abundance.
That I’d have to start saying no to things I’d worked hard to afford.
 
So I did what most high earners do when things felt tight:
I told myself the answer was “just make more.”
 
But here’s what I finally learned (the hard way):
Budgeting isn’t about restriction.
It’s about direction.
 
It’s the difference between wondering where your money went…
and telling it exactly where to go.
 
Because without clear direction, money doesn’t vanish all at once.
It leaks out quietly - through small habits, untracked decisions,
and the illusion that “later” is soon enough.
 
I’m not perfect.
But I’m done confusing avoidance with abundance.
 
This year, I don’t want more.
I want clarity.

Helping high earning sellers make money and B2B enterprises save money.

Lately I’ve noticed something about myself.
I tell myself I don’t have time to sit down and really look at my finances.
 
And technically, that’s true.
 
When you’re in sales, your entire day is one long stream of decisions -
Which deal to prioritize.
Which client to chase.
Which lead to let go.
Even lunch feels like a strategic call.
 
By the time the day ends, you’ve made hundreds of micro-decisions.
And the thought of one more - especially something like “review my finances” - feels heavy.
So you skip it.
 
You tell yourself it’s not urgent.
You’ll get to it “when things slow down.”
But they never really do, do they?
 
It’s easier to just spend and move on.
Buy the thing. Cover the bill. Keep the motion going.
 
But here’s the part I’ve been avoiding:
Every time I say “I don’t have time” to manage my money,
it quietly costs me more than I realize.
 
Tiny leaks. Missed opportunities.
That low-grade stress humming in the background —
the kind that doesn’t stop you from performing,
but quietly chips away at your peace.
 
Ignoring it doesn’t save time.
It steals it.
 
That’s the truth I’ve been sitting with lately.
 
Because for people like us - high performers, always on salespeople, always moving -
it’s easy to confuse momentum with clarity.
But momentum without clarity is just motion.
And motion burns energy fast.
 
I’m trying to slow down long enough to make decisions that give me back my time - not take more of it.
 
This photo pretty much sums up what I’m aiming for - fewer rushed moments, more time where life actually feels full for the right reasons.
 
Anyone else feel like this too?
How do you handle it when life already feels too full?

Just helped a high-income seller finally stop watching half his commissions disappear to the IRS.

Here’s how we did it:

→ First, we unpacked where his money was actually going.
He thought his tax bill was “just the cost of success.”

It wasn’t.

He was losing nearly 45% of every dollar, not because he spent too much,
but because all his income came from the wrong category.

→ We showed him the truth:
The IRS doesn’t hate high earning sellers. 
It just rewards investors, and punishes W2 income.

From there:

→ We shifted a portion of his commissions into passive real estate deals.
→ Turned taxable income into capital gains.
→ Started building income that worked while he sold.

The difference?

He kept 20–40% more of every dollar, 
without a side hustle, without flipping houses,
and without adding more stress to his plate.

He didn’t need another CPA.
He needed a new strategy.

Here’s the hard truth:

→ You can’t outwork the IRS.
→ You can’t out-deduct your tax bracket.
→ You can’t keep sprinting for commissions and expect financial freedom.

Want to see how to escape it?

Grab the guide I just released:
"Stop Letting the IRS Take Half Your Commissions"

It breaks down exactly how high earners can start keeping more of what they make, 
and finally build income that works while they don’t.

Drop “ESCAPE” below or DM me and I’ll send it your way.

I found something recently that made me laugh and cringe at the same time.
 
A $29 monthly subscription that’s been quietly running for four years.
That’s almost $1,400 gone -
on something I don’t even use.
 
When I saw it, I felt two things at once:
embarrassed that it slipped through the cracks,
and relieved that I finally caught it.
 
It’s wild how easy it is to miss these things.
One tiny charge. Buried in the noise.
And month after month, it quietly drains money, attention, and energy.
 
What hit me most wasn’t the $29.
It was realizing how easy it is to drift financially when you’re not paying attention.
 
Because most of us aren’t careless -
we’re just busy.
 
But busy gets expensive.
 
Even for high earning sellers, it’s rarely the big losses that sting.
It’s the small, invisible ones that slip past while everything’s moving too fast.
 
Anyone else ever find one of those “how long has that been charging me?” surprises?
 
Drop yours below...no judgment. (Here's mine)

A few months ago I agreed to do something I never thought I would do.

A close colleague asked me to be his coach.

At first I thought he was joking, but he wasn’t.

After more thought, I realized that maybe I could be of service.

So I said yes.

A few months into working with him 1:1, I have been so impressed by my client, Kevin, who has been doing the work, showing up and implementing what we talk about each week.

This morning, I’m so grateful for the opportunity that I almost passed on.

Great work Kevin!

Keep it up!

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I used to think my problems were huge… until I looked around.

It’s easy to get caught in the grind.
Missed quotas. Tough quarters. Deals that stall out.
All of it can feel overwhelming in the moment.

But this Thanksgiving, I’m seeing things through a different lens.

I’m grateful for a happy, healthy family.

I’m thankful that the problems I face are small in the grand scheme of things.

And I deeply appreciate the people I work with: customers, partners, and investors. People who show up every day with integrity and grit.

Gratitude doesn’t make the stress disappear…
But it does remind me what actually matters.

Health.
People.
Perspective.

This week, I’m choosing to see the good and be present for it.

What are you grateful for this year?

Drop it below, I’d love to hear what’s been meaningful for you.

I was standing in the kitchen the other night, handing out slices of pizza to my kids, when it hit me:
it’s funny how easy it is to feed everyone else first.
 
That same pattern had quietly crept into my finances too.
 
I re-learned something I thought I’d already mastered years ago:
Pay yourself first.
 
It’s one of those principles you hear early on - set aside at least 10% of your income before anything else.
I used to do that religiously.
 
Then I started making more money.
And somewhere along the way, I convinced myself I didn’t need to be as disciplined about it.
That I’d always have enough coming in.
 
So I let it slide.
And for a while, it didn’t seem to matter.
Bills were paid, life was comfortable, and everything looked fine from the outside.
 
Then one day I woke up with this nagging feeling:
I should be farther along than I am.
 
Not in a self-critical way, just an honest realization that the numbers didn’t reflect the effort.
And when I started digging in, I saw why.
 
I wasn’t paying myself first anymore.
I was paying everyone else first.
Living on what was left.
 
That was the moment it hit me: I’d drifted from the fundamentals.
Not because I didn’t know better, but because I got comfortable.
Comfort hides leaks.
 
So I brought it back.
10%, automatically, the second money comes in.
No waiting. No “I’ll catch up next month.”
 
And it’s amazing how much that one simple rule changes things.
It’s not just about saving money - it’s about reclaiming ownership.
 
It’s the difference between working for your money and having your money work for you.
 
Paying yourself first doesn’t just build wealth.
It builds stability, confidence, and direction.
It reminds you that you’re not just earning - you’re building.

Something small happened last week that stuck with me.
 
I found a $12 charge buried in my statements.
Nothing major, but it made me realize how fast small leaks erode big goals.
 
Every salesperson I know focuses on the next deal, not the dollars that quietly slip through.
We lose more to distraction than to bad decisions.
 
It’s not about the money.
It’s about attention.

How to get financially clear in 15 minutes a week (no spreadsheets required):
 
I used to treat managing my money like a major project.
Hours of spreadsheets, statements, and guilt.
 
So I avoided it.
For years.
 
Then I tried something different, a 15-minute Friday check-in.
 
One short ritual:
• What came in
• What went out
• One thing to cancel, fix, or automate
 
That’s it.
 
Fifteen minutes of attention has done more for my finances
than years of “I’ll deal with it later.”
 
Turns out, feeding pigs and managing money have a lot in common.
You can’t ignore either one for too long - both get messy fast.
 
Because the problem was never discipline - it was awareness.
 
It’s crazy how much stress disappears once you know what’s happening with your money.
 
High performers don’t need more systems - they need sharper visibility.
 
Anyone else have a quick ritual that keeps your money clean and calm?
 
How do you stay on top of it without letting it take over your life?

You don’t rise to your quota - you fall to your systems.
 
Top sellers don’t fail because they can’t sell.
They fail because their personal finances have zero process.
 
If your commissions disappear faster than your pipeline refills, it’s not about income.
It’s about infrastructure.

I opened my subscription list expecting a few familiar charges.

Instead… I found a small village of monthly bills quietly living their best life with my money.

That was my wake-up call.

So I’m starting a weekly accountability pod - nothing intense, just a simple habit of checking in, canceling what no longer serves, and getting clearer every week.

If you want to walk this journey with me, drop a comment.

Clarity hits different when you don’t do it alone.

Looking for honest opinions - what’s your favorite personal finance or budgeting app?
 
I’ve been doing my weekly 15-minute money check-ins manually for a while now.
It works, but I keep wondering if there’s a tool that could make it smoother.
 
Something that:
• Syncs easily with multiple accounts
• Tracks spending without becoming another full-time job
• Doesn’t guilt-trip you every time you grab coffee
 
The other day, I was talking with a guy in the Publix parking lot — total stranger, standing next to his Porsche, both of us laughing about how many different apps we’d tried to “simplify” our finances.
 
We agreed on one thing: the tools are great, but you still have to show up for them.
 
I’ve tried a few myself (YNAB, Monarch, Copilot), but I’m curious what’s actually working for real people right now.
 
If you’re using something you genuinely like - or ditched something that didn’t work - I’d love to hear it.
Bonus points if it’s simple enough to actually stick with.
 
How are you managing your money these days?
Which tool has earned a permanent spot in your routine?

Yesterday I found that forgotten $29 subscription.

But here’s the part that stuck with me today:

It wasn’t a $29 mistake -
it was a ‘not paying attention’ habit.

And that habit shows up everywhere:

Auto renewals we never question
Fees we assume are “normal”
Purchases we barely remember making
Money we mean to save… someday

Most people don’t overspend because they’re reckless.
They overspend because their spending runs on autopilot.

And autopilot is convenient…
…but it’s also expensive.

Today I took 10 minutes to look through three things:
- Subscriptions
- Card statements
- Apps linked to billing

It wasn’t complicated.
It wasn’t extreme.
But it made me feel more in control than lowering expenses ever has.

It’s wild how just looking creates clarity.

No shame. No panic. Just awareness.
And awareness is where financial confidence starts.

So now I’m curious…

What’s ONE small area of your money you haven’t looked at in a while?

Not to fix it.
Just to notice it.

I looked at the calendar today and laughed a little.
November 21st already.
Another year that somehow felt fast and slow at the same time.

And then the familiar thought hit me:
“Did I actually keep anything I worked for this year… or did I just run revenue for the IRS?”

It’s weird being a high earning seller.
People assume money is the reward.
But the truth is, money isn’t the reward if you don’t keep any of it.

You grind, you close, you stack commissions…
and then December arrives and your take-home feels like the punchline of a joke you didn’t know you were in.

Nobody warns you that high income can feel like low value
when half of it disappears before you ever touch it.

At some point you realize the problem isn’t your effort.
It’s the operating model.

High earning sellers don’t need to make more.
They need to stop bleeding value into a system that punishes them for being good at what they do.

I had to learn that wealth isn’t built in the income…
it’s built in what you’re allowed to keep.

If this hits you the same way it hits me every November…
DM me “QUIT.”
I’ll send you the idea from my book that finally stopped me from giving half my year away.

I’m really glad I learned about parallelograms in school.
Super useful this parallelogram season. right?

Meanwhile… taxes?
Income structure?
The IRS quietly taking half your commission?
Yeah, that part never came up in class.

Nobody taught us how money actually works, 
how earning more can sometimes mean keeping less.

But hey, at least I can calculate the area of a rhombus. 

For the longest time, I thought losing 30–40% of income every year was just “how it is.”
You earn more → you pay more → end of story.

Except… it’s not.
It’s just how most of us were taught to play the game, without knowing the rules.

A few months ago, I helped a client restructure their income.
Same effort.
Same commissions.
But this time, they kept thousands more, legally.

That’s when it clicked:
It’s not about working harder.
It’s about understanding the system that decides what you keep.

So I wrote everything down.
Not a course. Not a pitch.
Just a short, simple guide, the kind I wish someone gave me before tax season ever started.

If you want to take a look, drop a 👋 or “PDF” below.
I’ll send it your way.

Most salespeople think budgeting means restriction.
The truth is, it creates direction.
 
A budget doesn’t kill your freedom. It funds it.
 
Every commission dollar you don’t assign gets lost between Costco runs, client dinners, and “I’ll invest it later.”
And when you stop paying attention, your income starts running you.
 
Structure isn’t punishment, it’s leverage.
 
You can’t feel free if you’re constantly wondering where your commission went.
Freedom only comes from clarity.

Lately I’ve realized something -
growth in business isn’t just about what we sell,
it’s about how we reinvest what we earn.

This morning feels different.
I’m prepping for something new - my sponsor call with our investors.
It’s a chance for them to ask questions, understand the deal in depth,
and see what it really means to become a passive investor.

What makes this exciting is how many people have been asking for it.
There’s a real hunger to not just work for money - but have money work for you.

We can’t disclose too much about the deal here,
but on the call, we’ll be breaking down how investors are positioned
to earn around $666 per month - without taking on active risk.

It’s been a high-demand conversation
and for me, it’s a reminder that clarity attracts opportunity.

If you’re someone who’s been building income through sales
and now want to step into earning passively,

DM me. Let’s talk about how you can join future calls like this
and start investing where your time grows, not just your effort.

How many subscriptions do you think you’re paying for right now that you don’t use?
 
I did a small “subscription audit” recently, and it was equal parts humbling and hilarious.
 
A couple $9.99s here.
A $29 trial I forgot to cancel.
One that’s been quietly charging me since 2021.
 
None of them big on their own, but together… let’s just say it added up fast.
 
It made me realize how easy it is to lose track when life’s moving quickly.
Tiny, invisible leaks.
Nothing urgent enough to notice, until you finally look.
 
I’ve started checking mine quarterly now.
Fifteen minutes, once a season.
Just to clean house a little.
 
Curious how others handle this.
Do you track subscriptions manually, use an app, or just let your card statements tell the story?
 
What’s the funniest or most painful “wait, I’m still paying for that?” moment you’ve had?

Realmonkey

Social Media Manager

Ui UX designer 

CoBuzz

Viu, Embassy, Appario and others.

Worked as a graphic designer in Cobuzz under Innoserv Digital Solutions pvt. Ltd. This part of the company focused on Employer Branding of our clients. Innoserv Digital Solutions Pvt Ltd is now revamping. You can find it on all online platforms in "AiQ Business Quotient" s name now.

Graphic Designer

CG Premedia Pvt. Ltd.

Consultant Designer

UBE Academy

Guest Speaker to SIEMENS in their LIDA workshops.Worked on In-house Designs required for UBE academy.

LAFZ The Indian Speakers Forum

Oddiance

Dopadox Technologies

agomoni

graphics head

Executives-Sr Leaders Coach

Graphic Designer- Brand Consultant- Content Writer and Social Media Manager

Graphic Designer and Brand Consultant

Odd Bhoot

Graphic designer| Illustrator| Branding| Content & Social Media Strategist| Product designer| Engineer| Reached 30k Connection Limit. (Email Id: Sushmitabiswasformal@gmail.com)

I am Sushmita Biswas. I am a Graphic Designer. I've been working for 7 years in various industries such as OTT platform, real estate, electronics, fashion, e-commerce, healthcare, IT, education, digital agency, media production, non profit start ups etc.

I've been working since 2017 in Freelance/ Part time/ Contract or Full time format.

I am proficient in Adobe Softwares, mainly Illustrator & Photoshop. I also work in Ms PowerPoint, Canva, Adobe Indesign, and know how to use Chat Gpt, Gemini, and other AI tools whenever required depending on the projects.

I‘ve also done Branding, Content Creation, Social media Content strategies for clients, and provided workshops to different companies and individuals as well.

I believe in connecting people and creating awareness through designs, wherever applicable.

It is important to me how the design expresses the value and meaning of the brand when it comes to Branding and other projects.

Sushmita Biswas

*How a Colour palette of a Restaurant brought peace to me on a busy day* 😊

I have always been a person who often works on weekends, if the deadlines are there.

On a busy day like that, two weeks back, I went to a reataurant in Pune named ISHAARA.

I have went there before as well. But that day particularly is something that I will remember for a long time.

It’s their COLOUR PALETTE!

👉Their combination and tone of colour they have chosen along with the aesthic is one of a kind.

👉It will give you that fancy, luxurious fine dining experience you need but the colour palette of the interior adds a warmth to it, which a lot of restaurant fails to do.

👉Their service is always extraordinary but how they have created the menu- that is something to look at-

~Colour palette
~Font
~Icons
~Line patterns
~Detailing

everything is done so precisely.

👉I think if you ever get into a similar business like this and you are looking for reference

~for a brand identity or 
~type of image you want to create
~menu ideas
~aesthetic look and ideas

You should definitely go and check Ishaara’s identity online.

And if you are designer, trust me this restaurant will give you a great perspective regarding the type of combination of fonts, colour, patterns and aesthetic you should put together to make look like a unit.

Because at the end of the day we look for warmth, comfort, peace where we can sit down and have our food and forget about our struggles.

And ISHAARA was right on point for everything.

Thank you 😊

#graphicdesign #graphicdesigner #creative #marketing #branding #contentideas #brandidentity #illustration #illustrate #designer #design #socialmedia

*Because We won the World Cup* 😊

Achievement like this paves the way for more girls to come forward and work harder for what they dream about.

Congratulations Team. 😊

(A little late in posting. Creating a series)

#branding #illustration #creative #illustrate #graphicdesign #marketing #graphicdesigner #socialmedia #content #designer #design #worldcup #teamindia

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The Battle

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