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Why do so many realtors feel broke… even when they’re earning six figures? In this episode, I sit down with Central Kentucky Realtor Zach Johnson to talk about the financial reality of real estate — the inconsistent income, tax surprises, time management struggles, and budgeting mistakes that most agents never see coming. As a Fractional CFO, I work with business owners across industries, and Realtors face one of the most volatile income models out there. Zach pulls back the curtain on what it actually takes to build a sustainable real estate business — and why he thinks relationship-based marketing beats chasing cold leads every time. We cover: *Why many realtors struggle financially despite strong commissions *The truth about inconsistent income in real estate *How budgeting changes everything for entrepreneurial families *Why hiring a CPA is non-negotiable *Time management systems that actually work (“I live and die by my calendar.”) *How staying top of mind leads to long-term referrals and growth *Investing in property for stability and tax advantages If you're a Realtor, solo-preneur, or commission-based professional trying to create financial stability in a fluctuating income business — this conversation is for you. ⏱ Chapters 00:00 – Understanding the Financial Struggles of Realtors 02:05 – Building Relationships in Real Estate 04:42 – Time Management Strategies 07:09 – Taxes & Financial Planning for Realtors 09:57 – The Reality of Inconsistent Income 12:34 – Learning From Real Estate Mistakes 15:20 – Budgeting for Commission-Based Income 17:34 – Relationship-Based Marketing That Works 🔎 Topics Covered realtor financial planning real estate entrepreneurship time management for realtors tax strategies for commission income budgeting with inconsistent income relationship marketing in real estate real estate investing entrepreneur income management If this episode resonates, comment below: 👉 What’s the biggest financial challenge you’ve faced as an entrepreneur? And if you’re a business owner looking to build financial clarity, tax efficiency, and long-term stability — subscribe for more conversations at the intersection of business and financial strategy.