35. From Ashes to Enlightenment: Lessons from the Maui Fires Part 1

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Hey everyone, what's up?

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It's Chelsea Van Buskirk
with the Heart AF podcast.

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Hope you guys are all doing well.

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It has been quite the ride.

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I would say this year has
gone nothing like I planned.

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There's been detours, and a lot of them
have been unexpected throughout this year.

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I know I talked earlier about,
you know, One of the good things

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about things breaking down or let's
say burning to the ground gives you

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that chance to analyze everything.

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And it gives you that new kind of
cleared out foundation to rebuild.

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And, among some of the personal things
I struggled with this year, we've also

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had quite a few things go wrong with
a lot of our investment of properties.

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And, , I have taken quite a few, weeks
in between episodes here on the podcast,

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but as I'm settling into, this new
season, I've got all the kids back in

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school I have more time to Get on here
and do what I love and get back to the

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podcast and getting more episodes out

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you know, more consistently and
closer together instead of being

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spaced apart like they have
been since this late spring.

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Anyway, I'm sure you've seen or at
least have heard at this point about

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the fires on the island of Maui.

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And if you don't know,
Maui is very near and dear.

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to my heart and it's also the place where
we started our vacation rental business.

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And so we do have five
properties on the island of Maui.

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And two of them did burn completely down
to the ground in the Lahaina wildfires.

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And the whole fire in
itself is traumatic, right?

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This whole town has just been
literally burned to the ground.

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And there's a lot of
unknowns still at this point.

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I'm filming this, Almost a month.

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Actually today.

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Oh my gosh.

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Today is literally one
month after the fire.

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I just realized that today is September
8th and the fires happened on August 8th,

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which is also 808, which is just crazy
because the area code of Hawaii is 808.

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Anyway, it's taken a while
to assess everything.

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So many people, have lost
loved ones, have lost...

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their homes their businesses, it's a
really great big loss in a lot of ways.

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And, it's one of these things I've
struggled with because there's a lot of

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grief I carry with losing these things and
there's also a lot of guilt because on one

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hand, I have my primary residence, right?

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Me and my kids, my husband,
we're all safe, we have a home.

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My husband still has his business that
can carry us through this time, this

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loss of, business and things like that.

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So I have a lot to be grateful for.

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And there's so many people
that , lost their homes.

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I know.

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Personally, people that have lost their
homes, some of them have been lucky

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enough where their home is still one of
the ones standing in the neighborhoods

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that are just completely burned to
the ground, but they're not livable.

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There's no water.

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There's no electricity.

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It's going to take years to be able
to clean up the mess to get, anything

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even remotely able to rebuild.

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And there's just a lot of questions.

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A lot of things are up in the air.

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There's a lot of people
who are underinsured.

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There's a lot of big corporation big
time, wealthy investors and developers

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who are just salivating, waiting for
their chance to, take advantage of

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people who may really be out of options
if they're underinsured and aren't

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able, to make it through this or to
hold on through this rebuild process.

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Obviously, if you've seen the news,
I mean, there's a lot of government

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assistance, you know, helping out and,
I firmly believe everything will work

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out and , it's just one of these pieces
of life and, I really don't want to go

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down this rabbit hole of , this disaster.

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I know there's a lot of
controversy around it too.

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I've seen a lot of people are
sending me videos of, was the

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fire intentionally started?

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All these things and , I really feel
like that's just like getting into

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the weeds, just causing unnecessary
drama really is what it is.

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Drama and things that don't really
need to be giving attention to.

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One of the big things with this
situation though, like I said, we've

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had quite a few different instances
this year with our properties.

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We've been doing investment
properties for nine years now

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We've honestly been, very fortunate
not having so many things go wrong.

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You know, we've learned
along the way, right?

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We just started doing this without
really having any experience with it

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before and we just did things, took
action, and just learned through it.

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You know, we made a lot of mistakes along
the way, but we've been pretty fortunate.

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And this year, for whatever
reason, it's like we had...

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One house that had two floods that
we're still almost done remodeling.

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After all the work that
had to be done with that.

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I had another one of our
vacation rentals out in Florida.

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We had an AC line leak, it flooded the
entire condo that had to be out of use

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for two months as we got the floors and
all the water damage mitigated and then

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the things that were damaged replaced.

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I got scammed out of 4, 000
on a contractor there too.

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So that was another
lesson I learned there.

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We've had so many of these
little bumps this year.

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But again, it's all a learning process.

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We had a landscaper, like our HOA
community landscaper, a rock, came

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out from the, the mower or whatever
and broke two of our windows on

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one of our townhomes this year.

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I mean, it's just crazy all the
stuff that we've had this year alone.

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Normally things come up every now and
then, maybe the AC goes out, you have

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to replace things, that's normal wear
and tear when you do have properties

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that you're managing and, and taking
care of, you know, stuff happens and

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you have to take care of it and things
break and you have to replace it.

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We've had so many insurance claims
this year and now that this kind

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of coup de gras of the buildings
being burned down to the ground.

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Like this is a whole new ball game,
things I was not even expecting.

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I would teach this in my investment
classes how, real estate is one of

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those things where , it's almost like
a guaranteed investment because even if

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it burns to the ground, you still have
the land, you still get to rebuild, you

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know, and in our case, that's not true.

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We do own a very tiny minuscule piece
of land, but it was a condominium

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complex, so it's not a standalone
property where if that property burns

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to the ground, you still own the land.

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The second thing is our
complex was underinsured.

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So, HOA condominium complex,
they have an insurance that's

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supposed to cover, things.

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They did not have the insurance to
do a whole rebuild on this building.

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So you have almost 300 people who
lost either their residences some

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people lived on the condominium complex.

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Most of them were rental properties.

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So people have lost, their
business, their rental income.

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And a lot of these people still have
mortgages that they have to pay.

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So this is another little tidbit.

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If your house burns down, you
still have to pay that mortgage.

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That does not go away.

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So there's just a lot of unknowns.

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Honestly, telling you guys all this
stuff, I just really want to show you

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how humbling this was for me because I
think I always had this idea built up

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in my head about, you know, it's pretty
cool that we do this investment thing.

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Like not a lot of people do it and I
don't know, like it felt validating

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in a way, I guess for myself as
somebody who has always felt like

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an outsider has always felt like
they had to prove their worthiness.

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I felt like the real estate investment
thing was almost like a cool point, right?

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Like it was something that I could
say, this is something that I do.

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It's something that I manage.

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This is like my job.

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And it felt like something that was worthy
or, it was very validating, for my self

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esteem or my image, I guess you could say.

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And so to have it crumble
apart a little bit, right?

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This is 25 percent of our
portfolio or our business, right?

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Like I've lost, a big chunk
of our income in this business

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and, I have faith that
it's all going to be okay.

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It's going to work out there's again a lot
of unknowns, but it really humbled me is

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where I want to get at is that it humbled
me to see that it's just property, right?

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People lose their businesses all the time.

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Things happen.

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People go bankrupt.

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Businesses don't work out
how you thought they would.

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People, put a huge chunk of their
savings or money in the stock

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market and it crashes, right?

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It happens.

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It's unpredictable.

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Things happen and you can lose millions of
dollars in one day in certain situations.

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It's, it's part of life.

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And it has become a lesson to me
that these are just things and it's

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stuff that I've preached before.

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It's stuff that I've talked about
that, your assets, what you have.

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don't value you, right?

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That's not what's your value.

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Your value is not in the things you do.

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Your value is not in what you own.

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Your value is not placed
on these external things.

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Your value is not placed on
external circumstances or on

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materialistic things, right?

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Those things don't matter.

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They really don't.

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These are things you can't
take with you when you die.

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These are things I guess in some respects
you can leave behind when you die.

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But, at the end of the day..

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Your relationships matter and the people
you love and how you showed love and

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how you showed forgiveness and how you
showed love and forgiveness to yourself.

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Like those are things that matter,
like really experiencing life and

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the things you can't buy, right?

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There's so much more than
the materialistic and placing

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value on these things.

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And I'll just be honest, like it's
really shaken me up because I guess

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the one thing that I didn't mention
was that I always felt very secure

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with this business, secure with, having
properties again, like I said, I

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would even say that in these classes,
like how , even if they were burned

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to the ground, you still have stuff.

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And right now, I don't know if
that's true in this situation, right?

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There's things that are supposed
to be put in place to help you, but

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when you have things that go under
the wire, like having the complex

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underinsured, and then we found out
that on even our personal insurance,

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we were underinsured and didn't know.

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So, there's things that you think
you're safe guarded in, and it's

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not always a sure thing, right?

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And so it just really had me stop
and think, that's the beauty of

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things burning to the ground.

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Whether physically when things either
literally burn to the ground or

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relationships, certain situations
that have burned to the ground.

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It has its positives, right?

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There is a way to use that as an
opportunity to come up from this.

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And I think for me, it's really
getting more clear on how,

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these are businesses of ours.

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It's not me.

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I have to look for it, but there was

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some notes I took from a book I read,
and it was from Wayne Dyer because

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I talk about him a lot, and he's one
of my favorite, spiritual teachers,

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but he had talked a lot about that,
like how you are not your job, you

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are not the things you do because you
can lose those things, you can lose

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your job, people don't live forever,
so for me, a big part of my identity

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was being my dad's daughter, right?

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Like having that relationship with
my father and when he, passed away

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and it's no longer been like this
focal point of my day to day physical

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life, that was a loss in my identity.

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And that was very hard to figure out
like who I was without that role.

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And so this is another kind of wake
up call, I feel like to show me that.

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I'm not these properties.

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The fact that we have these
properties in this business.

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That's not me.

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That's not who I am.

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That's not all I do.

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And it's crazy how this year has
just kept throwing me things.

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Because it's, this has just been another
humbling experience where I'm realizing

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yeah, How caught up I've been in certain
things and how I need to slow down and

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get back to what's really important to
me and get back to why I started this

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podcast, get back to what my message
is and what I'm trying to do in the

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world, as a person, as a mother as a
wife and who I am aside of those roles

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that I play, and what I'm really trying
To do with my time here on Earth,

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following my soul's calling, right?

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I've been really digging deep with that.

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And as you do that, as
you let things fall down.

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It honestly just feels like I've had
this chance to just let go of a lot of

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things I've been, like, holding on to

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you know what I mean?

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So, there's this freeing or
sigh of relief feeling where I

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feel like I can be more relaxed.

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And that's a good place to be.

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To be able to surrender.

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I've talked about that before, and
it can be very hard to do, but to

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really just to be able to let go
and really have faith and surrender

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to what is meant for you, right?

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What are the important things in
my life that I need to focus on?

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And where you put your focus matters.

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I've talked about that before
too, and something that came up

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in, my head, I remembered a quote.

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I had is, focusing on the things that
you're for and not what you're against.

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So, you know, in a time where you
might find yourself or you're hitting

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rock bottom or something in your life
has burned to the ground, you get

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this chance to assess and you figure
out things that maybe you don't want.

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And in that we can let ourselves get
Caught up on circling around all these

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things that we don't want, or getting
sucked into what we are offended by, or

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things that bother us, and things that we
can get like worked up and angry about.

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We can let that side of things
take over and let that direct us

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in the new direction we're going.

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Or, we can acknowledge the
things that we don't want.

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But then change our focus
on what we do want.

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What are we for?

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What do we stand for?

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And then start, not fighting, but
like marching in that direction.

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Like pushing for what we are for, instead
of fighting for what we're against.

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And that brought me to this
quote that I remembered.

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And I don't know necessarily if
it's a quote, but it's a story about

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Mother Teresa and how she was asked.

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If she would march against the Vietnam
War, I think maybe asking her if she

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would stand up and help march and
support people who are against the war.

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And she said, no, I won't do that.

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But if you have a march that's for
peace, I'll march with you there.

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Showing that even someone like saint
Mother Teresa, will put in effort for

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what she believes and what she's for.

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She's for peace.

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She wants to march for that.

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She doesn't want to.

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March that she's against war, right?

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It goes back to Dr.

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Martin Luther King when he gives that
one famous speech, you know, it's

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like you can't You can't, put out
darkness with more darkness, right?

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It has to be light.

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Like you can't drive
out hate with more hate.

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It has to be love.

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Like you cannot try to combat something
that you're against by being just, you

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know, as nasty and mean about them.

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Like I see, you see this all the time,
like in politics, it's like people get

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so wrapped up and sucked into their,
their sides of who they are for, but

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they become so like nasty and evil
on going who they're against, right?

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Instead of just like saying all the
things that they're for and being on

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that positive spotlight, it's like
you see it with the two candidates a

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lot of times, like this candidate is
going to negatively attack the other

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candidate telling you all the things that
they're not instead of standing up and

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saying all the things that they're for.

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So when you find yourself humbled,
if you find yourself in a space where

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you can get that pause, something
that happens to you that gets you to

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really take a look at your life and
where you're going and what you want

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and what you don't want to remember to
focus on what is that you do want and

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start, making your way or making your
plan or your road map or whatever you're

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trying to do to be for what you do want.

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And, for me and my situation here,
it's You know, letting the real estate

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business be a business, not getting
attached to it, letting it be what it is.

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And focusing on what I do want.

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And what I do want is create a
positive impact on the world.

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And what I do want is, to use my voice,
to use the podcast, to get back to

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writing to be a good mother and stay
connected and present with my kids

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and keep building my relationship with
my husband and strengthening that.

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And working on myself and healing my past
traumas and just trying to be, a better

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person where I can forgive myself and
be the best version of myself and keep

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growing and learning and just, you know,
that constant evolutional growth that you

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go through as a person as you get older.

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So, thank you.

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If you still listen to the podcast, I
know it's been hard when they haven't

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been coming out, weekly like they had been
before but I'm getting back to it, right?

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Like I said, we are back into
a schedule back into a routine

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where I will have more time to get
these episodes out more regularly.

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So I'm looking forward to that.

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And getting back to what I
love and what's important to me.

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So I just want to thank you.

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If you took the time to listen,
I appreciate any feedback.

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I love having conversations so if you
feel called to, want to write a comment.

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I post these podcasts on YouTube so you
can always leave a comment on the video

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or you can always write me privately in
a direct message on Instagram or Facebook.

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My handle is @chelsea.Vanbuskirk so
yeah, I hope you guys are all doing

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well and remember focus on what
you're for, not what you're against.

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That's what I want to leave
you with through this episode.

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I have so much love for you guys.

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I'll see you next time.

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Peace.