After spending more than a decade in healthcare and serving military families, Harmonie noticed a painful pattern: hard-working people were trading time for money with no real roadmap to build wealth. Everything changed when she relocated to Utah during COVID, found herself living in a hotel with her son, and made the bold decision to step into real estate investing.
In just 7 months, she achieved what had been a 3-year financial goal for her family.
Timestamps:
In this conversation, Harmonie breaks down how she got started with debt investing, why she chose lending first, and how she evaluates deals for safety and returns. She opens up about raising capital, the differences between debt and equity investing, and the exact mistakes new investors make when deploying capital.
We also talk about the mindset shifts required to build wealth, how to take action without having everything figured out, and how Harmonie built financial confidence from the ground up. Beyond real estate, she shares her work as Vice President of Elevate Côte d’Ivoire, a nonprofit focused on job creation and education across Africa, and how she balances profit with purpose.
If you’re looking to build wealth through passive real estate, overcome fear, or learn how to evaluate deals like a pro, this episode is packed with real-world insight.
📌 Timestamps
00:00–00:50 – Intro
00:51–03:17 – Before Real Estate you spent over a decade in healthcare and working with military families—can you tell us more about what you do today?
03:18–06:41 – Moving to Utah mid-COVID, living in a hotel with your son, and still jumped into real estate. What was going through your mind when you said yes to your first deal?
06:42–10:10 – You hit a 3-year financial goal in just 7 months. What specific actions or decisions allowed you to accelerate that quickly?
10:11–12:49 – What mistakes do you see investors making when it comes to placing capital in real estate deals, and how can they avoid them?
12:50 – 14:49 - Many people think they need to “have it all figured out” before investing. How do you help people move past fear and take their first step?
14:50 - 18:14 – You weren’t “great with money” when you started. How did you build the financial literacy and confidence you needed along the way
18:15–19:09 – What's next for you?
19:10–19:44 – Mindset Shifts — Wise words
19:45–20:21 – How to connect
Connect with Harmonie Borden
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