“Your dream has to be big enough to encompass everything that God wants you to do. It has to be big enough to feed your anticipation and pull you out of ruts.”

I am a serial entrepreneur who has started seven businesses and owned two different franchises. However, my favorite way to build wealth is through real estate investing. Over the years, I have owned several investment properties across five different states. I have failed a lot, but I just happened to have succeeded a little more!

In companies, nonprofits, writing, and products, my mission is to help people make sense of making money for making a difference. Some of my favorite topics to teach on are entrepreneurship, leadership, real estate investing, personal development, and social impact investing. When I’m not working at WealthBuilders, you can find me at Charis Business School where I am the CEO and a regular teacher.

The best part of my life isn’t anything I previously mentioned. It’s my family! I have been married to my lovely wife Becky for 48 years. We have two children, Brooke and Brant, one daughter-in-law, Abi, and four grandsons, Brayden, Nolan, Camden, and Owen. Whenever I have free time I enjoy spending time with them and fly fishing!

“Billy Epperhart is a successful entrepreneur and a nationally known speaker and author. He is the CEO of Andrew Wommack Ministries and Charis Bible College, as well as the co-founder of the Charis Business School. In addition, he oversees the strategic direction of his nonprofit, WealthBuilders, which provides financial and spiritual education to help people make sense of making money for making a difference. The missional arm of WealthBuilders, Tricord Global, provides microfinance loans and business training in developing nations.”

Frequently Asked Questions

How do we transition from living off my income to living off passive income without having to pay taxes?

Earned income is taxed higher than passive income. You will have to pay capital gains, but your taxes will still decrease.

Do you suggest we pay off all debt before buying a rental?

It depends on personality, gifting and skills… Most people need to pay off their debt before buying a rental property, but if you happen to be more entrepreneurial-focused and are able to generate additional income to help you build assets, then paying off debt can come later. Billy also recommends watching some of our vlogs that we have posted on our website and social media pages, since they touch on this topic.

Do I focus all my money towards paying off my mortgage so I can knock it off quickly or should I diversify and still have money going towards ETFs? Would you suggest having a freehold home and then start investing or do it at the same time?

If you can pay off a debt and buy a rental property, do both. It doesn’t need to be an either or proposition – you can determine an amount to use every month or quarter over and above your student payment to pay down the student debt.

Be scouting for specific properties that would be good buys, and stay active in the real estate market and one property could pay off the entire student debt just by buying it and flipping it in about a year. Once you learn how to look for a property, you don’t have to be limited to buying and renting. Two things that tell you you’re getting a good deal are: the situation of the seller and the condition of the property.

What do you and your wife pray every morning?

Here are the 7 things that Billy declares each morning:


  1. Supernatural favor
  2. Divine connections
  3. God opportune moments (Kairos moments)
  4. Overcoming blessings
  5. Strategic plans
  6. Double Double (Isaiah 61:7 They shall possess double what they had forfeited and everlasting joy shall be theirs)
  7. Perfect health

How to start a business?

Business Plan Template: Here is a link to a vlog about the business model canvas posted on Charis’ website: http://www.charisbiblecollege.org/news/2016/10/11/683-1-tool-to-create-your-business-plan-#

Is there a good way to use equity in your home to help fund your business?

Billy filmed a vlog on this topic, you can watch it here: https://www.youtube.com/watch?v=2UIvMib-878m

Can you advise what brokerage firms to contact regarding starting a brokerage account?

Charles Schwab, Fidelity, and TD Ameritrade tend to be the best.

Where can I find your investment calculator?

Download the WealthBuilders App by clicking here.

Compare and contrast products in your store

Business Mastery walks you through the Business Model Generation Canvas. This is for the entrepreneur who wants to start a business and needs to clarify their vision. It is a tool that can be used to create a one-page business plan.


Organizational Mastery is for the owner or manager in any company. It teaches you how to effectively lead and manage your people, as well as how to best systematize your business, church, or non-profit.


Real Estate Mastery teaches you everything you need to know about the investment industry. Whether you are a beginner or an experienced investor, you will find value in Billy’s teachings on the $10,000 Millionaire, Finding the Best Markets, Vacation Properties, Legal and Tax Matters, and more!


Money Mastery is for those who want to learn to become the master of their money. In this teaching, Billy takes you through his trademarked Triple X Factor, which will teach you all the steps to being independently wealthy, from getting out of debt to investing in assets and investing in the kingdom of God. Billy Epperhart’s mission is “making sense of making money for making a difference.”


Change Mastery teaches you how to navigate life’s transitions, whether you choose change or it is forced upon you. Billy’s experience as the “Columbine Pastor” taught him so much about dealing with unwanted change. This series is for you whether you want to lose a couple pounds, or an unexpected change is thrown your way.


Leadership Mastery is for those who want to learn how to implement leadership tools, strategies, and secrets of management to better lead themselves, others, and their organization. Whether you’re a corporate leader, entrepreneur, pastor, mentor, church leader, parent, or college student, Leadership Mastery will help you establish your identity and lead with purpose.

I want to book Billy to be a speaker for an event

If you go to the speaking section on our website (wealthbuilders.org/speaking) there will be a speaking request form on the page. Fill that out and send it to assistant@wealthbuilders.org

Requests for loans/support/investment opportunities in Africa.

Please contact the banks individually.

Glory Sacco: http://www.glorysavingsandcredit.org/glory/Contact_Us.php

GloTrans: http://glotransfinancialservices.com/