CIGARS, WHISKEY & CAPITAL JOURNAL
Disciplined Thinking. Enduring Capital.
Cigars, Whiskey & Capital is Blue Bay Fund’s investment journal and perspective on alternative investment solutions. A place where disciplined private credit, leadership-driven wealth strategy, and long-term capital stewardship meet the mindset of serious investors.
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Alternative Investment Perspective
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Private Credit & Income
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Capital Stewardship & Risk
Is My Principal Safe When Buying Mortgage Notes?
You worked too hard to leave your capital exposed. Mortgage note investing puts you in first position, backed by real property, with predictable monthly income and none of the landlord headaches. Here is what capital preservation actually looks like in retirement.
Christian Investing: Faithful Stewardship in Retirement
You spent decades building what God entrusted to you. Now the goal is protection, not accumulation. Here is how faithful stewardship looks in retirement. Predictable income, real asset security, and the freedom to keep giving generously.
Private Real Estate Debt Funds: Why I Invest My Own Capital
In a world where many managers invest your capital, not their own, Blue Bay Fund I is built differently. Every deal includes personal co-investment, creating true alignment and a shared commitment to protecting what matters most, your capital.
Investing in Real Estate for Retirement: Why Most Retirees Miss the Best Option
What if the best real estate income option for retirement is the one most advisors never mention? A breakdown of rental properties, REITs, syndications, and the fourth option that changes the conversation.
Mortgage Note Investing for Beginners: Lessons from 150+ Deals
Predictable income does not come from chasing returns. It comes from discipline. Here is what every accredited investor should understand before putting capital into real estate debt.
Embrace the Suck: How this Green Beret Built a Real Estate Debt Fund
This mindset, to 'embrace the suck,' meaning don't try to avoid being uncomfortable; don't try to escape the pain, whether it's physical, mental, spiritual, or whatever it may be. Don't try to get away from it. Literally, embrace it, make it part of who you are, and in that embracing the suck, if you will, you begin to learn how to control that chaos and make it work for you.
Outdoor Shooting Range Tampa — Train Under Former U.S. Special Forces
Hosted by Blue Bay Fund I, this Special Forces–led event unites faith, family, and freedom through purposeful preparation. Led by Edwin D. Epperson III, former U.S. Army Green Beret and Combat Diver, this is where patriots, protectors, and families gather to sharpen shooting skills, spirit, and stewardship.
Outdoor Gun Shooting Range – Train with Special Ops.
Beans & Bullets delivers Florida firearms training like no other, led by former Special Ops professionals who bring real-world experience to the range. Whether you’re learning the basics or refining advanced tactics, this event provides a safe, structured, and empowering environment for everyone. And with family-friendly instruction, even minors can begin learning proper firearm handling with guidance and supervision.
Massive Passive Cashflow Podcast
I love the educational aspect of private lending. I could talk for hours on why, for those who are risk averse, investing in position loans, low loan to value, is an excellent way to preserve and grow your family's generational wealth. but it won't give you the double-digit, sexy returns, right? So, for those looking for equity, that's where that syndication component comes in. In syndications, on our website, you'll find my pitch deck