The R.I.C.H. Method
Four phases — Research, Invest, Command, Harness — for buying an ordinary business and making it pay.
Sanchez's core acquisition sequence, laid out across Main Street Millionaire. RESEARCH clarifies which business fits your skills, risk appetite and required pay, and how to find motivated sellers. INVEST puts real skin in the game without ever risking bankruptcy — seller financing does much of the work. COMMAND installs systems and metrics so you do not accidentally buy yourself a job. HARNESS covers growth, management, scaling and exit.
- Buy an existing business with proven cash flow instead of starting from zero
- Skin in the game, but never a bet that can bankrupt you
- Systems and metrics before sweat — otherwise you have bought a job
- Roughly 60% of small businesses sell with some seller financing
Sanchez spent ~15 years in finance (Vanguard, State Street, Goldman Sachs, First Trust) before buying a laundromat for about $100k that threw off roughly $67k a year. She codified the repeatable sequence into R.I.C.H. after running it across a portfolio that reached 24 Main Street businesses.