Business Ownership & Retirement Planning with Raza Begg

[00:00:03] After over 25 years of marriage, we've learned that successful couples have great friendships. Put each other first and focus on light, just as much as love. We believe marriage should be fun and easy.

[00:00:15] Our goal is to share our journey with the hopes of helping others build strong, happy relationships. Join us as we continue to create our lives beyond I do. We are not marriage counselors nor are we mental health professionals. We're just simply sharing your heart.

[00:00:37] We've never gated through our marriage. Now on with the show. Welcome back to The Beyond I Do podcast. We have a special guest with us by the name of Mr. Raza Begg. He specializes in financial services, business ownership, tax free retirement and no loss of

[00:01:10] retirement. He comes to us with 15 years of insurance business prior to borrow room dance, competition training. Unhooked. He's training U.S. Olympic team and also the winner of the 2006 Dance With The Stars in Smith in the field champion. So we welcome you, brother Raza Begg.

[00:01:36] Thank you. Thank you. Those are some fun times. My brother used to say, Hey, I used to call me. I said, man, I'm busy at work. He's like, you don't work. You don't work. You don't work.

[00:01:47] I'm like, okay. Well, I said, you know, yeah, for you is it's not work. I'm dancing with his work. It's it's a good one. I'm going to be in hours of day. Right. I'm your train as something that is worth.

[00:02:01] Well, and then the dance itself, the physical is yes. So if you would tell us a little bit about that journey from competitive ballroom dance into the insurance industry. Yeah, it was a it was drastic shift, right?

[00:02:19] Although my dad funny thing is my dad wasn't the insurance business. Really? And I was growing up, but I don't know what he did because he was home all the time. You don't go to work. It's like, you know, I don't need to.

[00:02:35] And you know, in the, you know, at that when my back home stuff, the parents own share what they do. Like this is doing. And like here we educate our kids because we want them to kind of learn something from that.

[00:02:48] And later on I realized that's what he used to do. And so I actually definitely didn't want to do that. So I went to IT school. I did management information systems, which is coding programming and at the University of Oklahoma. I did the degree called my mom.

[00:03:13] I said, hey, I did the degree. You happy should I get great awesome now. Go get job. So I'm going to job in Dallas was a gardener communication IT company. And I was there maybe six months and laid off.

[00:03:28] And when the lead off, I was like, okay, now we're going to do. And doing that thing, it's 91 or so. That's when the Iraq war was going on today. They laid off a lot of layoffs going on, right? And it's like, what do I do?

[00:03:45] So I started looking for more jobs in the professional degree required in at that time they had newspapers, right? Don. Right. And those days, right? And so and in between the jobs listing there was a set, said, boring dancer training. Uh-huh. Get paid to learn how to dance.

[00:04:10] And I was like, wow. And so I grew up back in Pakistan. I used to a lot of break dancing. You know, okay. So you were popping a lot and backing a deal. I was popping lock and man, the you know, the boo-glue movies and all that.

[00:04:30] So I should learn from that because you should go with your travel a lot, we should go to England and, you know, in India and stuff. So we should buy and get those movies from abroad come back and nobody knew what break dancing was.

[00:04:44] So I started in that in my neighborhood then people like, wow, this guy's like, wow, what is this? I think it's like came back, came back from Mars, right? Like, I even saw a new planet. You know what?

[00:04:56] I need to interrupt you for a second because you are the first person that I've met that actually acknowledges break dance and like always looking at people when I want to be used to break dance back in the day. I have man. That was it.

[00:05:11] That was uh, I was in plunge up break dancing in Michael Jackson. That was my two. Right. And so I then I at like almost like 16, I started teaching at a music school and I say, hey, what are you trying break dancing?

[00:05:28] I met this guy at get together and I was popping there and he's like, well, what is this stuff? He's like, you know, because there was a new dance right? I'm like, it's called break dancing, you know? It's like what are you come teach at Mars studio?

[00:05:40] So I started teaching at at 16 and then even had my first. My first dance group. And it was called Footloose. Inspired by Footloose, you know, and we had red jumpsuits with yellow patches on the elbows and the knees. The elbow spin and the knee spin.

[00:06:06] So it was pretty crazy. And we used to do like on the street, like when you go take match and then then over like over the next year and half,

[00:06:16] they were like groups popping up and they were all starting to then we used to compete like on the street. Wow. Yeah, I mean, you know everything like in Pakistan that that was happening right? Like, Yeah, I mean, you never thought that. That's amazing.

[00:06:30] You only hear the negative news on the boxing. Right. Pakistan was very very Americanized. I used to do this. So that's kind of how I got into dance through break dance, right? And influence on my projection.

[00:06:45] And then when I came here, so once I got laid off and I saw that ad, I was like man, I can really learn some more dancing, partnership dancing while still looking for a job. And they pay me and it's in the evening. I'm not okay.

[00:07:02] So I went in. So I got into the program. And I started learning how dance. And then second week into the training, I'm like, you know what? I start looking for my day job. I teach off.

[00:07:17] Third week, I was like man, I want to do this full time, right? Wow. Because you know, it's fun. It's fun. What young is it's it's a fun thing to do. And if I'm getting paid, then they offered me a full-time position. I'm like, okay, that's it.

[00:07:31] I have a job, right? And then I called my mom. She's like, hey, did you find a job? I'm like, yeah, I found my job. Dancing. She's like, you been doing that since you were a kid. What do you mean do you, you found a job?

[00:07:43] I'm like, it's a job here. They give you a paycheck, right? Yeah. Because we're getting paid for that. Right. So that's kind of how I started. Did about five years training there and teaching.

[00:07:58] And then start my own school in Dallas and then start competing for the US team. And the professional competitive dance. Because that's what if I want to stay in this industry. I want to compete because that'll keep me trained and keep me in shape and keep.

[00:08:14] I don't want to be a fat ball ball dancer, you know? Like that, that you guys teaches. I want to compete. So I started competing in 95, 96. Okay. Kind of stayed in that arena. And then we were with me in my partner.

[00:08:28] We were like top six, top top in the US. Long story short, you know, train and investment. When PBS was looking for a school coach that was recognized and competing coaches in the Dallas area. Because he wanted to train Dallas. Okay. Because it was kids.

[00:08:48] And then he would fly for the show for the show. So he, he here in Dallas, a lot of celebrities moved to LA. Right. In there. So we were lucky here. So he used to sit in Dallas.

[00:09:00] And so he came every day for training like from 6am to 12 noon. Right. Non stop. And amazing guy. I'm at this amazing guy. Very humble. He was, you know, stayed after the practice. People started knowing that he's training there and people outside taking autographs.

[00:09:22] And in the summer sun right in Dallas, they were he was like, check out the autographs. I was like, wow. And go from the back. He's like, no, no, no, I want to meet my fans. You know, that's a beautiful test. Right.

[00:09:34] How did you the first time you saw him? The first time you've been like, okay. I have to train this person. This big football player on how to dance. How intimidating was that first training session.

[00:09:49] You know, I didn't want to go there, but, you know, let's see that. So what's funny is, I don't know who you was. Okay. Okay. I'll teach from like, I was an immigrant. I came here. I was working all the time and school.

[00:10:10] So my evening is all work or school. Right. I was teaching from 12 noon till 10 a night. I watched anything seven days a week. We were doing that and training and practicing. So I didn't watch necessarily football or anything. I didn't watch TV.

[00:10:28] So when my staff called me in the studio, Hey, you know, you got the celebrity of the dance with stars here. You got to commit him. You know, I'm like, okay. And who's who is it? Because they don't tell you that. Right. Okay. And it's mad.

[00:10:44] And I'm like, okay. Yeah. Like, like, like, I met sweat and these are all Dallas people. They're like, all jacked up. I'm like, yeah. I'm called jacked up. They're like, he's the best player in the in the world. Like he's like the Hall of Famer. I'm like, okay.

[00:10:59] All right. It's like you're telling me a Chinese actor, right? And I'm like, yeah. I don't know what to watch here. Okay. So it was like that and I walked in and he was like, I mean, obviously he's like, he's buffed, right? He's above.

[00:11:14] But he's kind of good. My hype. So I was like, say, hey, this is seven. Hey, awesome. So that's me. Also I didn't have any judgment on him or any influence because that I just treated him like another student, right? Right. Right.

[00:11:28] And obviously Cheryl Burke who was his dancing partner was his main coach. But they they use he sometimes take a get a third party because when they're dancing, and then they don't know what to correct. So how they would kind of use me whenever they need it.

[00:11:44] Me, okay. Can you please watch this and find you in it? And then I would step in and do that as a third eye, right? So yeah, it was fun. It was a lot of fun. We worked on a lot of like, pass a dobley.

[00:11:58] That's some really strong dances. But that was good. I mean, but you know, the career was awesome. I was doing that. Then suddenly I don't know where I had a heart attack and ended up having a court group of bypass. So almost almost died on the surgery table.

[00:12:16] They could not revive me for 10 minutes. And I mean, God was great. So I'm still here, right? So you never know what can happen. And then so when I came out, I was obviously, you know, it took me a long time to recover almost once a year.

[00:12:34] During that time one of my students at the studio, his wife was taking lessons there. And he said, hey, Ross, what are you looking to do it? You know, insurance. I'm like, what do you mean? Like, hey, you can make this money.

[00:12:49] I'm like, can I make 50,000 a month? He's like 50,000. I say, yeah, I need to replace my income from home at my studio. He's like, yeah, 50,000 is easy. I'm like, what, really? Okay? Like, I thought that, you know,

[00:13:07] a regular, obviously a day job will not make that right off the back. Right? Yeah. You know, and I'd be a surgeon or somebody to be able to do that. And he's, no, it's easy in the insurance business. I'm like, okay, can you break it down?

[00:13:22] He's like, yeah, it's easy. You just have to, you know, see about 10, 15 people in a week. You know, let's say if you saw 15 people in a week, you know, you're like, okay, you know, you're like, okay, okay. And 10 of them decided they wanted to need coverage.

[00:13:40] And if they only had a budget of $88 a month, $88 the way the insurance company pay out is they take $88 they multiplied by 12. So 1,000. Yeah. You go, man. You go, man. You go, man. I do it for you.

[00:14:00] So the insurance company do is they advance you that month, 100% of it. Okay. Okay. All of the clients only paid $88 but the insurance company advances you the whole 1000. Okay. Okay. So that you can stay in business and do another 10 clients next week. Okay. Okay. Okay.

[00:14:22] So gets what, a thousand, you know, 10 clients? That's 10 clients. Okay. Okay. 10,000. So if you're 100% commission, you're making 10,000 dollars for the week. Right. Right. Okay. At a low ball, like some clients would do 200 amount, 300 amount depending on their age and their health condition. Right. Right.

[00:14:42] And people were at 500 amount. Okay. I thought $6,000. Right. So you're, you're healing from from your quadruple. So, I took me a year to really get out of that bed rest and stuff.

[00:15:01] So after a year, I basically, you know, was then back up to where I can do something. And so the, the insurance industry and he's explaining this to you, is it like, okay, I've got to get up and get going. Yeah.

[00:15:19] I see you have to go see the clients and the, the funny part was this company I joined. They had a lead system where they like, hey, we have clients leads coming. You got to buy the leads and then you got to go see the clients. I'm okay.

[00:15:33] Great. Where, where the leads in the Dallas area, they're like, oh, we don't have leads in Dallas. I'm like, okay. Where do you have leads? They're like, oh, we have leads in Maryland in that and DC. And I'm like, okay. So I need to fly there.

[00:15:48] Yeah, you need to fly there. I'm like, okay. So I was ignorant and so far and I needed to replace my money really fast because I was right. My studio was still running without me and it was now became a white elephant. It was like sucking money, right?

[00:16:01] Because I, I was one of the main driving force. And a lot of all my clients stopped coming in because I was not going there. I was not teaching anymore. Right. Right. So I said, okay, you know, I'll go. So I'll basically make appointments from Monday to Thursday.

[00:16:20] And then Thursday night out by ticket for Maryland in the, and fly out in the morning and go and go to unknown Compleas strangers doors on with and right, you know, help them get coverage at that time.

[00:16:34] We were doing a lot of mortgage protection coverage, which is mortgage insurance. And usually the homes in the, in Maryland DC, I'll average of about four or five, 600,000 dollars. So it's a $600,000 coverage protect themselves in case they, you know, died and their families on on the street, right?

[00:16:53] Right. So I did that every, every week, you know, Friday to Sunday, sometime Monday. And while I was doing that, I was also starting building my agency because I'm more for entrepreneur. I have a business.

[00:17:10] So you can, in the insurance world, you can be a solo, per newer, where you just are an insurance guy you're selling. You sell it. So like, it's people like, let's say in the state farm farmers, new up live,

[00:17:22] uh, past which will they at these guys is just one or one mono on mono sales. Right. They keep, they do that till they're retire and they're done. And, you know, they're done, right? So just like any other job.

[00:17:36] Whereas if you build an agency, now you have sales force. So now you're building agencies and you're hiring other people. And then they are, you training them to make money and have a lifestyle. Just like I started in my, my coach and mentor trained me.

[00:17:54] So you can help other people and replace the income and eventually do this full time. And then you can override. So one of the big lessons I learned from my dance career when I had a heart attack is that when I stopped, my whole income stopped. Right. Right.

[00:18:15] So I was a self employed, like a surgeon, a car factor, doctor, He's alone. I was training time for money, trained time for money. I was training money. My, my skill stop, my training stop, my income stopped. Right.

[00:18:33] So my schools were doing about a million, six, seven figures a year and overnight, it dropped down 60%, right. Now it became all expenses. So when I looked at the insurance business, I was like, you know what? Wow, I've no overhead.

[00:18:49] I don't have to have a staff, a manager, a system manager, you know, office staff. I didn't have to have higher teachers and pay them a salary. Right. So I was like, you know, higher and recruit and train and coach.

[00:19:04] The same thing I was doing in dance, I enjoyed the coaching part of the insurance world because I was again helping people grow from zero to something that they can, they are self employed and they're, they're making money for their families.

[00:19:20] I enjoyed that part of it, the seeing the growth of people, right? And once they grow to where they are producing, I get a percentage of that. So which is like, okay, wow. And there's no overhead costs.

[00:19:33] The only cost I had was the software and the back office and you know, just a CRM cost, which I didn't have a studio of physical building cost, which my cost was like 15 grand on the first of the month before any money started coming in. Right.

[00:19:52] So a traditional business had as a hard cost. So insurance, what I was like, wow, this is insane. There's no hard cost except for my time and my software operation cost may be, you know, a couple hundred bucks a month. But I can make, you know, 10, 15, 20, 30,000 a month.

[00:20:10] And as a grow team, it can be more. Right. Right. And all of that is passive income, right? It's just like there's nothing different between that and real estate where you have the realtor broker and is, you know, and then they hire remax is a broker. Right.

[00:20:31] And we are the real estate agents and the sale on the on a property is 6% 3% goes to the to remax 3% goes to the agent. Right. Right. The insurance work works the same thing. You have a broker, master broker, a reasonable director of managers, right? Same same concept.

[00:20:49] So that's kind of what happens. But then during that time when my heart situation was happening, my partner and spouse of that time also decide to leave me. Right. Um, overnight, right? Oh, nights, um, literally she told my brother at the hospital that,

[00:21:09] hey, as soon as he covers in a couple of months, um, I'm divorcing you. Oh, no. No. I like what? Like, and he didn't tell me because you like man, he just said, oh, I'm not going to say. I'm not going to say. I'm going to say.

[00:21:22] Go to have another cardiac arrest. Hi. Hi. So I was like, and you know, when you have a political bypass, it's, uh, one of the, one of the things that people do not survive from that, usually, I'll declines more after that.

[00:21:37] Depression, depression is one of the biggest things because you, it's just, it's a psychologically, my message you are, right? So he didn't want to tell me. So in a couple of months, go buy an exam.

[00:21:49] I'm about to tell him because I don't want him to be surprised suddenly, right? So he told me I was like, in shock. I was like, what? Like, you know, I'm only everything is, you know, my, couldn't teach anymore, my income drop.

[00:22:01] And then obviously this is the bombshell. I was like, so you mean to tell me, like, during that time, she didn't come visit you. She wasn't like by your side or anything like that. No, literally, I mean, for a month or so and then after that,

[00:22:16] you know, once we started discussing what's happening, you know, like, and then it was, yeah, it was pretty rough, you know? It's not right. Some rough times, but, you know, Vortus great. I kind of fought through it, started getting into back on my feet

[00:22:32] and, you know, after a couple of years after that, I actually, you know, met somebody that really, you know, picked me up from the, from the ashes, as they say, right? And so I was at that time. But I was still, you know, developing and working,

[00:22:48] and my present wife and Ronneberg, she was going to be on this Zoom with us, but she's studying for another financial test that she's trying to do a security. Okay. Yeah, so she's like, oh man, no, I got, she's only, you know,

[00:23:03] she's, she's, she's, she's, she's, you know, she's, so you know, God is, you know, has, you don't know what God's plans are, right? Right. I never had a son and guess what? After surviving that, I now have a son and I married

[00:23:20] and I got my, he's seven, I'm going to be seven next month. But I had never had foreseen that that, you know, I'm gonna, you know, re-get me to remarry to get, and how about that, that a son, I have a son,

[00:23:33] I have a daughter from my previous marriage, but literally my wife restarted. So I mean, my wife, present wife, we do that all the time, is we, we train on thinking called restart. A lot of people give up when they have a situation like that,

[00:23:51] drastic job situation or health situation or marriage. A lot of people don't know how to restart, right? Right. So we start is a thing that actually keeps people down. And mentally, it's 99.9% mental, right? Right. And so yeah, sometimes you do need, I mean, I was mentally very strong,

[00:24:14] but I needed a partner that lifted me up whenever I was down. I've never been down, but, you know, after my surgery, it did affect me. I would go into, you know, slums a little bit.

[00:24:27] But, you know, it's important to have like you guys are doing this together, which is amazing. I think more couples should work together and build a business together. Right. You know, people say like, you know, a lot of people, like we are 24 hours together.

[00:24:42] So since then, we've married about eight years now. And since since then, we've never separated and did anything else. Right. Before seven together, I've not seen, I've not missed a single day in my 70 years life. Right. But the whole time. Well, it's a homeschool.

[00:25:03] So we have a 13 year old and 16 year old, and we take her for niece that's 13 year old. And I invited my mom and dad, my wife's mom and dad. My parents passed away. So my wife's parents to come live with us. So the kids have grandparents at home.

[00:25:21] Right. We have about eight family members in the house that we take care of. It's been sure this has provided me that luxury. Right. Or that. So success is not only money, right? Two years old making more at that time when I was,

[00:25:39] when I had my peak and then I lost everything. And you know, it's useless if you don't have family. Right. Family is very crucial. But then the success through success is finding. Creating freedom of time. Yes.

[00:25:57] You can have so the ultimate success in my book is owning your own time. Right. Right. Right. Obviously you need money to make that happen, right? But what a lot of people fail to work on on a daily basis is something that will eventually get you there. Okay.

[00:26:18] Okay. So if you are not really planting a seed in your backyard to grow mangoes, right. You know I'm going to have mangoes. Right. Right. And that was I was going to lead into like. Right now we're at this pivot where you know we came.

[00:26:38] Came up in a time where our parents were like you go to college. You get a degree. It doesn't matter what degrees in that's how you, you know, you're successful. You get a job. You work in your entire and so now we're we're middle age.

[00:26:54] I don't I'm still getting used to that but we're middle age. And we've had this shift in thinking to where. Our burden buff it is mid later right now. Right. Okay. I'll take care. You guys are young. So we're still young. That's right.

[00:27:13] But we're so we have this shift in what's important and that's that time, that freedom of time but we also have the responsibility like you said there's a need for money to live. And so what is it that we can do?

[00:27:29] Those of us who are at the age and we're realizing okay this is no longer what I want. No longer what I desire and I want to make that pivot.

[00:27:40] But I need to make that pivot in a way that I'm still comfortable financially and can take care of responsibility and also I don't want to spend 10, 15 years making this shift because I am of a certain age. All right. So again like I said ages perspective right.

[00:28:03] So you know if you look at Mary Kay she started a Mary Kay at 70 plus. Oh wow. Oh wow. Insanders. Right. You can take a fried chicken 70 plus. Right. And so Warren Buffett did not really get rich until it's 60s. Okay. Late mid 50s. We still have time.

[00:28:26] You see. 80 plus right. So last 30 years is when he actually really bloomed. Right. And one of his companies that actually accelerated him to that stage was an insurance company. Really? Yes. Yeah.

[00:28:46] So there's a lot of ways so the key again is if you want the freedom of time let's say they are like a man goes or they're bananas or they're like a fruit apple.

[00:28:59] If you want that freedom of time to have that apple which is freedom of time, you start planting the seed for the apple now right. Whatever that industry is and whether it's you know any other business. So whenever you do business as long as you're employed.

[00:29:18] So how does where does the work 10 year 40 year 40 hours a week? Work 40 years of your life and then retire right go go to college and then get a good job. And then where does that come from? Our parents are thinking in society. I'm trying to accept it.

[00:29:42] So if you go back and look at it and really research, you know who started the for first school board. Was it him report or somebody rock off ellers? Rock off ellers. We just heard it, rock off ellers. 1903. Right. Okay.

[00:30:02] Because they wanted to separate the free thinkers from the classes and create an insistionalized system where we create employees. Right. Right. So a stand line don't talk. Don't think do this. Right. On 10 don't think outside the box. Right. To institutionalize people's mind so that they become job trained.

[00:30:33] Right. Right. Come out. So you know, school system only treats you or trains you how to be a good employee. Right. Absolutely. Think about it. If the system wanted everybody to be financially comfortable. Why don't they teach about credit? Why don't teach about.

[00:30:53] Ch, balancing a checkbook. Why don't teach about interest. Not get in debt with the credit card instead of getting in debt with the credit card. Invest the money and grow your money. Right. Why is there investment classes from kindergarten all over the little 10 grade? Right.

[00:31:12] Because they don't want you to know that information. Right. It's come out of college and they're going to college and then banks start the Rockefeller Suchzani credit cards. Yeah. That's probably the car. The by the time you come out of college, you are told in debt. Right.

[00:31:30] Then you you default on the cards if you don't get a job. Now you are bad credit right now you have to go get paid loans at 30% interest. Right. The Rockefeller is a making money. They you go and you you don't have to get a loan at 17, 18%

[00:31:47] Whereas the sellers are using insurance as your own whole bank. What did they do? They basically use the insurance instruments for their families to build wealth. Whereas that financial information was kept away from the masses.

[00:32:06] The masses in the last I would say 10 to 20 years have started becoming aware of how to use insurance. I think more I would say from TikTok. I would say in the last two to five years.

[00:32:20] I think even the young people like, oh, what is infinite banking or what's your own bank? Or what's a tax re income like what is all this stuff? So literally after the evolution of the social media before social media, the information was where in the books.

[00:32:38] And it wasn't shared right and it wasn't shared with us. This is a great volume of book that everybody should read. I don't know if you're, you know of thinking grow rich? Yes. Yes.

[00:32:55] So the thinking grow rich is a book by Napoleon Hell and it basically did it was in the 1920. He went into view at that time. He was looking for the secret of success kind of what we are all looking for right and to make financial income.

[00:33:11] And he said, let me interview some billionaires and see, what is that secret? Right. What do they do different that the average people don't do right? And then that thinking grow rich is the compilation of the summary of his work. Yes. Just the summary.

[00:33:31] Actually, this is the actual volume that's the main books success in Napoleon Hell right? It's two volumes. Mine is like falling apart because they're reading a lot. So each chapter is about the concepts that he learned from the rich and the wealthy. Right.

[00:33:53] Thinking grow rich is a summary of that. So most people only have read that book. Right. Most will don't know this. Now to think about it in 1920s, we know that segregation lasted till when. Wow till the 60. Really? Yeah.

[00:34:11] And what were the segregated people not allowed to do? Great. Right. Right. It's beautiful. Right. Yes. So I came to this country, you know later obviously and you know learn about. The subject subjugation and the segregation stuff and that was kind of new. I was like a shock.

[00:34:33] But 50 years before that they're eating this right right. So the people are 50 years ahead. Yes. A certain group of people right there. And 50 years ahead of the masses, the Rockefeller's rich in the wealthy. So the information is the most valuable wealth. Right. Yes.

[00:34:58] Once you get educated, you learn the hey working with somebody still the modern day slavery. Right. Yes. Because you're confined you to your told what to do not to do when you can take a break. When you can go on vacation.

[00:35:13] So the things that you are going to do is that you know what you teach. And if you are not going to use that, you will be a family. Right. And if you don't, the slap on the face you're going to get paid. Right. Right.

[00:35:31] So when I came to this country as a student. I recognize that right off the bat. I was like man. I didn't even have a business because this is I can't really. So I have a authority problem, right?

[00:35:45] So I was always thinking of how do I do a business? How do I start a business? And then I found the business in my passion, which was my dance. Right. Right. Now I'm a good student. I'm not a good employee.

[00:35:58] So I can listen to a mentor and a coach and obey an appeal, we didn't do him, but I cannot work for somebody. There's a big difference. Right. Absolutely. So what I would do is for anybody who's out there like, hey, I want to escape the 95.

[00:36:16] So what you have to do is find a mentor and coach. That is doing that. OK. You know, I mean, don't follow somebody that's talking about it, but actually isn't the grind and they're doing it. So, right. I trained with my dance coaches.

[00:36:31] I look for, hey, who's an ex champion, who's a 10 year competitive champion? Who's a two year champion? Who's a five-week champion? Because I know that they went through the grind, they went through the mud, they went through the dust. And they went. If they want something now,

[00:36:46] they are able to betray me, at least something. Right. Right. I don't want to make the same mistake. So same thing, if you guys are in a job, they're 95, I haven't had a job in 20 years, right? So when somebody says talks about job and I was like,

[00:37:03] man, how do you do it? Like, how do you do it? You're like, I don't understand. Like somebody has cut my left arm to get me to go work. Yeah. Yeah, they, I mean, literally if somebody offers me a million dollars

[00:37:17] salary per year, I can't work for it. I can't, I'm going, I'm going to be unhappy. Right. Right. Right. Right. And then they're taking me away from my family. You know what? You're literally, when my six-year-old right now, so brainwashed to be a businessman, that hang on. Aliyan?

[00:37:37] I'm going to call him. Let's watch. When we have to go to do a meeting, I'll go for a lunch to meet one of my team members. My son says, or he's like, why do you have to meet them? Just get them on Zoom.

[00:37:54] You know, you do all your business on Zoom in any case. I'm like, no, I got this is a lunch meeting. I gotta go. It's like it doesn't make sense. You know, you're gonna waste time. You're gonna go, right? I'm going, I'm coming back. He's smart.

[00:38:08] He's smart in there. He's, uh, have you second guess yourself like, you know what he's right? It's good. Hello. Hello. Hello. How are you doing? I'm asking, what do you do with money? What do you do with money? Same run of best. Very good. Very good.

[00:38:28] You were on it. Very good. Wow. Wow. That's my hope. You know what you're doing to it? Yeah. You know, it's funny that you said that talking about your past. My dad before he passed away, he was also in the sharing of sales. No way.

[00:38:44] Remember, you know, filling out the envelopes, you know, this is the mid 80s. So it was like, uh, you know, he would have my friends and I stuff envelopes or put different envelopes on the side of people's mail boxes to generate leads and stuff like that.

[00:39:00] But it's one of those things, you know, like you said, he was home because I used to be like me. I sure which my dad had a regular nine to five. He was going to work. You know, so I can, so I could, you know,

[00:39:10] do stuff with me on top of my bed, you know. And but it's interesting that you said that and then, you know, I sent, you know, in the last probably 10 years have been, you know, introduced in different ways, you know, to insurance.

[00:39:27] I've been running for a long time and it's like, well, you know, maybe it's the, the, the, the creative saying, hey, bro. It's called writing on the wall. It's a writing on all right there. It's real. Oh, I mean, hey, so you know, we have the same history,

[00:39:46] huh? Your dad was an insurance. Yeah, you know, I never thought when I was younger, I never thought I would, uh, you know, do it, right? Right. I would be that my dad's because, you know, all the kids want to do something cool and different. Yeah.

[00:40:01] I ended up being an insurance work, right? It's like bizarre thing. And it just happened, right? Because I was in a, at a crossroads and one of my clients said, hey, why don't you look an insurance? You know what? It doesn't sound that bad now.

[00:40:18] But obviously, you know, we'll never start me in insurance for whatever reason. You know, it's like we need to make insurance sexy, right? You don't think because the young crowd, you know, they're not wearing a superhero cape that says, I at the back, right? Insurance man, right?

[00:40:37] You know, like maybe I started a comic or a short man. Right. There you go. There you go. There you go. Some of the young youngsters on that, you know? Yes. So and I love that I love that your son that,

[00:40:51] like he's a state, he's ahead of us with his mindset. That's beautiful that he's being raised to have a better understanding than a lot of people in our generation. And that's what it is. We're trying to catch up to things that we missed out on.

[00:41:08] So we were at the cusp of the internet becoming an household product. And it's like now you're going back and learning because I remember when he used to, the guys just come to the house and say, you're then cycle to be a set.

[00:41:24] That information is all real without it. The right. But now it's like, oh man, you can learn this check this out. And it's like now I got to go back to research. So we're in the process of researching our futures now. Yeah. Some people feel so,

[00:41:45] how do I say it? So trapped or so, like they don't know, right? Or like I'll see people like, oh, they're so panicked that they lose a job. Right? Right. I'm like, oh my god, you can just go Google how to make money on the internet.

[00:42:02] And you're like millions of videos, millions, right? Yes. Right. You get, I mean, you go, have you seen those guys on TikTok feeling egg actions? I think I was saying something like that. Yeah, let's go. When you get done, go Google egg peeling lives.

[00:42:22] And that's all they do is peel the egg. The clean third world countries sitting there and their camera and their eggs, their eggs and they basically are peeling the egg and there's four, five, 10,000 people watching them just peel the egg, right? Peel the egg and they're sending them,

[00:42:42] if it's a little dry, yeah. It's getting money. I'm going to put it up. Right. Yeah. It's money. It's just something many powers there's that. So that's why I tell people, somebody is like really like at the cross, if they're not listening to me or they're not,

[00:42:58] they're not wanting to do something that I recognize them and just go watch how I peel an egg and start peeling an egg. I mean, that's, you want to do something, you know, as simple as that, right? So there's so many ways in today's time,

[00:43:13] so many ways to create income. Right. So many ways. So nobody should ever, when I see people still on the street struggling, it must have to do with some psychological issues, right? Because not necessarily financial, but because there's so many opportunities these are right and especially in the,

[00:43:38] I'm an immigrant, a first generation and when I see people struggling, I was like, man, I mean, I did not know anybody here. When I came here in my 1716, 1616 or 17, I had nobody. I hadn't had any friends, family, relatives, nobody to complete different country starting from zero, right?

[00:44:01] And sometimes when I'm, you talk about lead generation for your dad with posting mailboxing. Yes. When I hire sometime, you know, grown adults in the insurance world great. So, you know, let's kind of make a list they like, I don't know anybody. And I'm like,

[00:44:20] hang on, let me get this right. Where we bond, all is bond and Dallas, okay? And you were 45 years old, right? Okay. And you don't know anybody. Right. Right. Right. Let me kind of get that straight. They're like, yeah, I don't know,

[00:44:36] I don't know how I don't know anybody. I'm like, how did you get to 45, right? Like it, right? Not knowing anybody. Not knowing anybody. I said, what do you mean you don't know anybody, you know? So to me that's bad for my mind because everything I have today

[00:44:52] is coming from zero to 17 till I, you know, my creator whole life here, right? And any right, this is one of the most amazing countries with so many opportunities, right? Also the countries, you can't go get a DBA. You can't get an LLC. You can't start a business.

[00:45:11] You know, you'll erect a people can't do that. They literally are stuck in whatever job they're doing. Right. Right. Or farming where they're growing something and selling. They can't really go create now, but now with the internet, it's a game changer, right?

[00:45:26] Because people are doing amazing stuff worldwide. So. Right. So what is it? Because in it is a mind thing. So how do you work to flip that thinking? And I imagine for you, I mean like you said, you're journey here and then just the opportunities.

[00:45:47] But he's never had anything to flip. Right. So for me, it's like, I realize it, but it's just the execution of it is scary. Yeah. So you know, like I did have something one thing to flip because obviously when I got my first IT job,

[00:46:06] I was six months in and I looked at a later off, right? Even the six months I was not really comfortable and happy there. And then when I got laid off, I then found my passion. So obviously here's what everybody should do is find their passion. Mm-hmm. Right.

[00:46:23] Find their passion. And if you enjoy what you do, you're not going to work a single day in your life. Right. Right. So I love working with people and training people and coaching people, which I was since I was teaching break dance. I was working with people, right?

[00:46:39] They're training and in. So I enjoy that part. So obviously you guys are your teacher. You like working with people. Mm-hmm. So that can become now amplify that passion to the next level. Right. To where you are doing it as a business, right? Not as a job.

[00:47:01] So now, and says, so the concept of money is very weird. And it's mental. Mm-hmm. Once you understand that and the way the universe and God works is if your bank account has $10,000. Mm-hmm. That is representing what kind of value you've given other human beings. Oh wow. Wow.

[00:47:24] Okay. So your money is a direct proportionality to the amount of value you've provided and other human beings. Wow. Okay, I get that. I like that. 10,000 to be 20, you need to do more things for other people. More value. All right. You transfer more value, right?

[00:47:45] So once we let's say doing this podcast and you put it online and let's say it touches five people. Right. You're going to see that direct proportionality in the sense of either happiness, time or money. Right. Right. If that goes to 1,000 people, mm-hmm. That impact will be higher.

[00:48:07] 100 million people that impact will be higher. Right. So start creating more value for people. Right? Because like musicians, Michael Jackson, artists, Tony Robbins, these guys, they're impacting people's lives. Right. Yes. The impact, the direct proportion relationship to that is money. It's the more people they impact

[00:48:31] the more money they make. Okay. You have never heard it in those terms. I like that. I like that. So impact people, right? Like people and then the money will come to you through the value that you added to them. I like that. So when I stitched dance

[00:48:51] when I taught one lesson, I got paid for one hour. Mm-hmm. Right. If I want to teach more, I want to make more money. I got to teach more hours. Mm-hmm. When I was in my peak, I was seeing seven days a week, 10 hours a day. Why?

[00:49:06] Because I want to more money. Like that. Right. But then that's it. I kept out. Yeah. Right. Then what do I do? Then I have to okay, you know what? I'm like, I needed an higher-more teachers. So I fact their lives, but then I can affect more students.

[00:49:21] So now at the end, I like seven or eight teachers that were teaching the same 30, 40 hours a week. Right. Now I was impacting more people for money. Right. Okay. Do that? So I'm doing the same thing in my insurance business now is mean my wife.

[00:49:40] We hire trained new people on new life sensation and then we coach them and train them to impact their lives. Right? We have a lot of single moms, but really good friend of mine, Carmen, who came in, she's single mom. First six months, she made $100,000. Oh wow.

[00:49:59] And now a company they give out a six-figure ring, which is like a Super Bowl ring, right? Yeah. So that was. So this is like a ring that the company gave out. I was the first six-figure ring owner and you're not saying it's for them. Go on. Okay.

[00:50:16] Needs in IMO. That's expanding into the US. Now we just opened up Puerto Rico. I know that law, right? Of reciprocity. Basically it's a law reciprocity is what you provide others you get back. But I, you know, or Carmen, you can say,

[00:50:30] hey, you know, you do something nice. You get back 10 folds, right? Hi. That does work like that, right? So if I can help Carmen achieve her goal, I can help another buyer and then market help reach their goal. There's a reciprocity of that.

[00:50:47] You automatically, I'm gonna see the result of either in a, wow, that felt good or I always money necessarily, right? It's always like, okay, you're doing something of passion that you enjoy doing and you're affecting people in a positive way, right? Right. So that eventually equates to money.

[00:51:08] Right. Right. Got it, got it. So it's not necessarily a, I mean, it can be a fast shift but to make the change you shift slowly, so to speak. Oh, no, you're not, you're, you're at a life. You're talking about just

[00:51:28] drop what you're doing and pick up something totally different, but you can, why you're doing what you're doing, start working on helping others and start working on building the base, the visual, your position income and then your full time freedom. Exactly. I've always done things drastically.

[00:51:46] So, that's me. That's me, you see, that's not here. That's me. That's the only thing. But when I did the switch to insurance, my friends say, hey, you know, you're an insurance law, I could have kept teaching dance, right? And then tell me, okay,

[00:52:05] I'm gonna start studying for the course and then I'm gonna give the course and then I can't leave this because this is what paying my bills right now but I need to go. So, no, I didn't do that. Okay. What's the fastest way I can get a license?

[00:52:19] Right. Like, man, the fastest way is, you know, you go to a physical class, go to go to one of these and just do the one or two days class and I said, when can I give the test, he's the next day. I'm okay, that's what I'm doing.

[00:52:32] Okay. I've class studied, Saturday, Saturday, all this Sunday, all day Monday, I had the test. I passed out. That week, I started right business. It takes a week for the insurance board, send you a license but I started working. I started to okay, train me,

[00:52:49] train me, I need to do it now because I believe in taking the bandage off fast. Right, okay, that would be me. Now, obviously, you will do that when you're back against the wall. Right. I backwards against the wall, right? Long story short, fast forward to COVID-19.

[00:53:10] I found myself in a similar position. Mm-hmm. We had all the kids family, mom and dad, you know, eight family members in the house, COVID happened. So we were chill for a year and a half, almost two years, right? And I'm like, hey, it's cool

[00:53:25] because obviously, the market got affected, right? People didn't want to see each other, senior, especially don't want to see anybody. So the lead concept leads start drying up. People are gonna want to meet anybody. So literally, the insurance business, my business, shut down almost.

[00:53:45] And we were living almost two years on just in savings. Just like things that we were just kind of, you know, that we would live still, living large, living comfortable because you can't show like you don't have anything coming in, right?

[00:54:01] You're a certain level, it's kind of harder to maintain that level. So we were literally two months of savings left. And my wife is like, what are you gonna do? I'm like, you know, I don't know. And then somebody introduced me to experience financial group, right?

[00:54:20] The company I'm with now. And I looked at that and I was like, this is different. I like this, I own everything. I own my book of business, my agency, my agency, teams override. I could share in the company, this is a real business.

[00:54:38] So this world also there's other companies where you are still the 1099 employee. Right. You're still enslaved in their system, but you don't have a contractual documentation that shows you own your business. So I saw that, I was like, you know what? I'm gonna switch gears.

[00:54:57] Because one of the biggest things that impacted me until then I was used to buying leads and selling insurance. When I spoke to the CEO of this company, I'm like, hey, so how do you, what kind of leads you get in Canada?

[00:55:11] And he's like, what is the lead? And I'm like, oh man, I mean clients, how do you get clients? He's like, he said, Rosa, tell me when you had a dance studio, how did he get clients? What kind of leads did you buy? Hmm, that was like damn.

[00:55:30] You're right. There was no lead system that says, I won't learn our dance if filling out a document and sending it in somewhere, right? You market brand referral for the word out. Go to the, doesn't say let me hang you over.

[00:55:44] Dance who you are, you know, you're doing it right. So, right. Right. You said, that's how we built our company to up to $60 million in Canada in Canada, there's no such thing as leads. Oh, okay, make sense. Who will marketing? Right, so I'm all right. Yes.

[00:56:02] First, your village needs to know what you do so that they need your assistance you they can come to you. Right, right, right. And actually services is a situational business. Right. When people's situation changes, that's when they need you. Yes. Dies and the family that I go mad

[00:56:19] and we gotta do a go for me account man. I don't have courage. Shoot my family. Okay, we need to get coverage. Now hey, who do you mean, no, hey, we know Raza or we know, you know, buy and then market there doing that. Let's call them.

[00:56:33] We lose a job and they need income and they like what kind of job career can I do? Hey, they're doing insurance maybe I can do that. Right. Money in the market. Hey, I have a four one cam losing money. I have a rod. I'm losing money.

[00:56:47] I need to put my money in a safe place. I just lost my job. That's when they need. So we in a situation business. So what does your village need snow is what you do? Right. Yes, we should change this. That's when they're gonna use. Right. That's right.

[00:57:04] Great. And you just make it enough. There was an interview that you had done with someone else and what stuck out to me, you said when I believe when this opportunity came up but you said whatever the opportunity is, I have to have ownership. All right.

[00:57:23] That stayed with me after that and the importance of that ownership and that legacy to pass down. You know, me being in business 15 years, I got burnt around the first company I was in. I built a pretty massive 500 man agency with multiple millions a year production.

[00:57:44] And once I got to the top four years into it, I realized I'm kind of burnt out. I'm gonna just sell my business and walk away. Right. They said, you don't want anything to sell. And I was like, hey, I thought I was 1099. I have self-employed my state,

[00:58:04] this is with the state, this volume that I'm pretty in there I know. That's all belongs to us. And I quit the industry for a couple of years because this is a scam. Why would I build something for somebody else? Right. Unfortunately, I was renting my business. Mm-hmm.

[00:58:25] I was renting a chair at a barber salon but I didn't own the barber salon. I owned just a chair. Right. 99.9% off the insurance agents in the United States are renting their business. Oh. A teams that like decide on my team, 500 man, 1000 man teams,

[00:58:46] they're literally renting their business like a salon chair, a barber, the rent. Right. And if they're permanent in a position or they want to sell their business, they don't own anything. Especially if they die and they license dies, their business goes to the company. Oh wow.

[00:59:07] So which is what? Expedio Financial Group with the company that I'm with now has changed. That's completely changed at the site. The complete paradigm shift where they have created, it's the only agent owned IML that I know of. Now we are seeing their companies coming out

[00:59:26] that I turn a copy experience. Copycats that come in but obviously they're brand new and 90% of the business fail in the first one year. Yeah. We'll end up next five years. So I experienced being there 10 years this year and it's debt free, it's proven the model

[00:59:46] and we are a global company which is another unique part. No other company is a global company. They came from Canada into the US. Now we just open Puerto Rico. Hopefully we're gonna go into other countries like more Latin American countries and maybe the far east and stuff.

[01:00:02] So it's an amazing vision that they have and especially to give people an opportunity to own a house instead of rent house, right? So you need that opportunity in the business arena. I think people like, hey, I own my business but you get on it too. Right.

[01:00:21] So if somebody out there really looking to build a business definitely understand your contract. If you're a big leader, your big business owner and you have a big team and read the contract, I would love to go sit with somebody

[01:00:36] and read the contract and show them the holes a lot of people have. Because there are a lot of people trust blindly there on what's called the cool aid. There is the drinking the cool aid and they trust the people that are talking.

[01:00:50] So some of the people that I talk to, they're like, oh, how can they lie to a group of people? In the room, I'm like, how do politicians lie to the whole country? It's amazing. It's amazing. It's very easy if you're not concerned with doing the right thing.

[01:01:07] So for our listeners and we've been looking in research and before our listeners who want to learn more about what it is that you do, what it is that you offer. Where can they find you? Yeah, I mean, he's easy. It's a myself as 214, 727, 3599.

[01:01:29] And also my domain, you can YouTube me or you can search me on Google, Rosabag on all social media platforms. My handle is Rosabag at Rosabag, right? Or my domain is Rosabag.com. But yeah, definitely anybody's looking to start a new career in the insurance business,

[01:01:52] you need to contact Margaret and you know, aren't you? You about to get started too. I think that I think it's time. I think it's time. We talked after meeting with you the first time and I think it's time, I think it's time. So...

[01:02:11] No, shortcut, you just have to do start, right? Right. Absolutely. Art, then you learn. So a lot of times people get analysis paralysis, right? Whoa, wow, how? And you're trying to like, it's like you're trying to visualize your drive

[01:02:31] to New York before starting to drive to New York. Right. You can only, so you gotta just put the key in, crank the engine and start driving. Bye. Yeah. Yeah. Well, it has been wonderful speaking with you here. You just don't understand.

[01:02:47] I like the ease of the way too. No, please. No, please. No. No. I like that too. That's... On Road Trip, that's what the only time I ate fast food. I love junk food on the other side. Right. Yeah, I simply... She doesn't understand. Like I'll stop it.

[01:03:04] I'll make a plan to stop okay. If I'm going an hour away, I'm gonna stop somewhere and enjoy something. You know, even if there's a bag of chips. I'm ready to get things. I think I got a pause and kind of enjoy that moment. Yeah, yeah.

[01:03:18] No, I'm ready to get there. Thank you. Car. Yeah. I'm a motorcycle rider, so, you know, it's like... When we do bike rides and we're a ride across the country and stuff and it's like, aim the song on that book and handle that saddle.

[01:03:33] You have to kind of get up and strip so that's what we tend to do. You know, we plan to stop. Bike that. I have a Suzuki Boulevard M109, RS Big Powell Cruiser. Wow. If you both ride that together? Yes, you ride so immediately periodically. Wow.

[01:03:53] You gotta go across that comedy once as long as you're driven. With her, we use the stay in a local area. Right. I do keep it with him. I've been inspired. We're in South Carolina, Georgia. So I've been as far as Virginia.

[01:04:07] Well, North Carolina is in the city for Virginia area. Oh, oh, that's yeah. That's about 100 miles. More than that. It's probably 246 is the last one I did. Wow. They're in battle. Like the mountains, I love the mountains. I love the fresh air that I call the guards country.

[01:04:30] You know, yeah. We're on a motorcycle. You just see stuff that you generally don't see in the car. I mean, it's refreshing. Yeah, there's a pack of sunny motorbike guy that travels the world on the bike alone. Oh wow. Wow.

[01:04:47] Because the YouTube channel, if I find it, I'll send it to you guys. Okay. He goes, he just, he traveled the world literally. And he documents it. Oh wow. He goes through and then all on his bike. That's amazing. I can mend him.

[01:05:03] I have hard drive and I don't think mine is dead. He's out of like, wow, that's something. And you know? Yeah. And he's mad at it. I was like, how do you say mad at like this? Mad at this? Maybe that's maybe that's what keeps the merit though.

[01:05:18] Yeah. I'll go make it in the heart, grow ponder. There he is. I don't believe in that. So my wife believes in us like, right. That's what we're trying to get to that point. I've teased him because he works shift work.

[01:05:34] And so he'll be on days and then he's off. And then when he's on nights, you know, he'll be on nights for nights at a time. And I told him I said, maybe we've been together and we're so happy because we've had those breaks in between.

[01:05:50] Maybe when we get to a point where we are self employed and we are with each other 24 seven us, and you might have to schedule some breaks in. Right. What a ride. You're going to ride right now. Well, it's been phenomenal meeting with you.

[01:06:12] We appreciate you sharing with us and share with our listeners. And we're going to make sure and have all of your information so that they can find you so that we can find you. And we really appreciate it. It's, I'll email you my information.

[01:06:27] You're going to be added at the bottom of the description in the channel. So I'll description of the YouTube channel. Okay. Awesome. And you'll be here in front of us. You will be. All right. If anything, for some motivation. You follow to it. All right. Take care.

[01:06:48] Have a great day. Bye bye.