Unlocking Financial Fitness with Rico McPherson

[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. Before we get into our episode, we want to share this disclaimer.

[00:00:38] We are not marriage counselors nor are we mental health professionals. We simply want to share with you what has worked in our marriage. Now, on to our episode. Welcome back to The Beyond I Do podcast.

[00:01:06] On this episode we have a guest, Riko McPherson, who comes to us from his business way maker services where he is a business consultant and financial fitness coach. He is also a military veteran and he is going to tell us a little bit about himself.

[00:01:26] And how he got to where he is now in his journey. So welcome and thank you for joining us. Thank you guys for having me. Solid is a pleasure to talk about the journey because it's a journey for everybody.

[00:01:40] Everybody is different and it just happens to be something that we don't talk about often. As we should, we should talk about it more than what we do. We can get into that but part of my journey is to start really what's seen some things

[00:01:59] at the being in a military and the same cycle that I would see. What people coming out and they immediately looking for a job and family members of some people

[00:02:11] that when I was in high school and joined the military and came out, they still doing the same thing. The same struggles and what I found was that this was common and it didn't matter.

[00:02:26] You know, really what's educational level you're at or what kind of accolades you have behind your name. Everyone's struggling and there's reasons behind that struggle and it just just what it starts what making the conversation around money easier.

[00:02:42] And I know that it wasn't something that my family talked about around the kitchen table and it's the same thing with other families across America that this is just not something that's talked about.

[00:02:54] Usually stress other than, hey, going and you know getting your education and getting that degree or getting that profession and then that's it and then you end up in the world and you're like, okay, well what do I do now?

[00:03:08] I have any problems but who do I consult? There's so much information out there. Who do I trust? So hence that began my journey to want to combat that in some way. I did a little bit of that in the military and then I joined corporate America.

[00:03:28] I hated it. I didn't even know what I was saying is not good to hate them but I really didn't like it. And there was a reason why I just wasn't happy. People weren't happy with the pain that they were getting. They felt stuck.

[00:03:43] It couldn't progress the way that they wanted to progress and then have a lot of responsibilities. A lot of stress and I'm like, okay, well maybe this is not where I need to be. Maybe I should be doing something else and then I started my journey.

[00:03:57] That is rewarding but it's also challenging to get people to talk more about what they don't really want to talk about. Right and it is an uncomfortable conversation.

[00:04:07] I think part of it is that lack of knowledge and then there's a level of shame and embarrassment once you get to adulthood to talk about those things. I think we're perceived to kind of have everything together and everybody's put on this facade for one another,

[00:04:27] especially you know that teenage stage and all year growing up like, man, I got everything together. And you know, but deep down the sides, you realize behind clothes doors that it really ate together. And I'm glad you bring that up because there's this a lot of things.

[00:04:45] You say there's a lot of shame behind it. There's people that put on this mask and public in there, oh, I have the nicest clothes, nice card. Well those folks are struggling to that this show it and keep behind clothes doors.

[00:05:01] So I was like, where do you go? As I said before, it doesn't matter what profession or how much money you make if you don't know what to do with it.

[00:05:11] Then you end up lost and a lot of folks think, you know, we got to a certain point of the year where section of our population is highlighted, you know, the unhoused. There are people that all throughout the year, they don't like to see them. Right.

[00:05:29] Around the stores on the day and then treat them like, you know, you're less than human because your poor or your, you don't have a place to live.

[00:05:37] And what they don't realize is that it doesn't take that much really doesn't take that much for the average person to end up in that spot. And not having a home because of, you know, just these incidents that happened back to back. Right. Right. And something think about.

[00:05:57] We mentioned, you know, we were taught you go to college just get a degree in anything. Once you have a degree, you know, it's it puts you in a better position and I think that so my parents, that's what was in grade in me.

[00:06:13] And so, the parents were college graduates. And so for them, that was the answer that they saw fit, but they didn't have that background knowledge or understanding of what that even meant. So it puts us at it's like you can only give what you have.

[00:06:33] So our parents all they knew was to push college and then for us we were young and and started with absolutely nothing and put our nothing together.

[00:06:43] It's all we've learned the hard way about money and things. And so what little limited knowledge that we could share with our kids doesn't come close to preparing them to be stable and fit because we're still learning and have to learn while we're still adulting, which is not the best way to do it.

[00:07:08] One thing I would tell you is like, it is never too late and you'd be surprised how little that you really need to know everyone thinks there's this massive stuff you got to know everything.

[00:07:19] No, it's really simple things and I want to cover some of those things and it's just you know four elements. When we talking about it and those elements or earth, when and not.

[00:07:34] No, no, no, no, no, it's not that it's your emotions, your mindsets, your habits and your relationships. So we can really dig into that but before doing that, it's really to understand some basic terminology about money and some of those.

[00:07:57] Terminals will be what is the difference between financial fitness because a lot of times people don't understand it. Okay, well, what's that you know, where I go into the gym. Right. And what's financial wellness people understand wellness, but maybe not so much when you're relating it to finances.

[00:08:14] I can put it this way is the fitness part is like, I'm I'm military. So it's those things that you are doing to prepare yourself for the fight.

[00:08:24] You know, life is challenging you going to face some bears, you're going to face some adversity is what you do to make sure that you can handle those the way that you need to.

[00:08:38] You can go into gym, I use that analogy is very, very similar because you when you go to the gym. You have to change habits.

[00:08:48] You have to change maybe the way that you're eating, maybe the way that you're taking in your food is maybe the routine that you have and you have to learn the equipment. So all those things that you're learning and getting to that goal that help you be fit.

[00:09:03] And the wellness part is like that's everything is what gets you to, you know, that promise land that place that you want to be right that overall financial wellness. What is your total financial picture look like for you.

[00:09:20] And so in you mentioned with the fitness part that's where the change in habits and you have to do things a little bit different is that where you tell me I can't get my dunk in.

[00:09:33] And that goes along with you to say it goes with those four elements I was talking about. Those emotions and then mindset and the habits of the question so what you mentioned was more like the mindset.

[00:09:49] People have a certain mindset around money is like okay, oh when you start talking about budgeting and words come out like restrictions and all this kind of thing can do this I can't do that.

[00:10:01] But as I said everyone's journey is different and when you are creating your path and got to look at okay well what's important to you we are consumers so we want to consume and that gives you a certain with the emotional part it gives you.

[00:10:15] You know a sense of you know feeling good you know I spent something I deserved it I worked hard and then you have this.

[00:10:24] And when you try to someone like me comes on like you know you really need to look at that people don't want to hear that like.

[00:10:31] You go you you you're still in my joy like those that like to pay the lot of for that you know that feel good I'm going to win million dollars in more and they steady you know have this habit of you know scratching off these tickets playing the numbers and whatnot and I say something and oh well.

[00:10:52] You know maybe you shouldn't do that because looking at how much money that you've been spending over the years on a lot of.

[00:11:00] Well and your chances are winning or very low but they don't want to hear that so I don't know you know but it's that mindset is that mindset that really matters is you know what is your money mindset.

[00:11:14] And what emotions are you tying to money and the things that you do with it those things are the terminate factors for how far you go.

[00:11:25] And now that's when you got talk about money the main emotion that comes with people is fear a lot of fear surrounded it and is because you know we unfortunately I hate to say it but a lot of things that we were talking about money is a lie.

[00:11:43] It's just the plane is it's a lie and it's hard that's hard peel the swallow for a lot of people they're like, what will you tell me.

[00:11:50] You know that everything I learned is a lie now I'm coming is I'm not a guru I'm not saying that I'm not alone my own journey and I still have things to lift the figure out or I've never struggled before with money but it's that understanding and the things that I see continuously.

[00:12:08] With people in their professions and their pursuit for what they're trying to do I see it all time and it all comes back to money.

[00:12:19] You're talking about business and money and some folks are like, why you always talking about that you know talk about something else but my question is why you don't want to talk about that.

[00:12:31] And a lot of that is because of that fear a lot of that you know failure that they've had that just it compounds and it makes them not want to try anything like oh everything's a scam you can't really do this I can't do this and they have that mindset of can't.

[00:12:48] And so that blocks them from being able to do the things they want to do so those are critical points of that so that the emotions the mindset and we talk about habits to have us on another thing that gets people into trouble because we don't want to look at it like you know your habits are going to you know that corner store and get some donuts along with your coffee every morning.

[00:13:13] Right, you don't want to do that you've gotten accustomed to it you got that sugar into your system and okay nobody just gives me joy who's going to take that away from me so but that habit you eventually just like money is going to compound.

[00:13:28] And you're going to have to pay for it and whether you're health. Or be something else so that's part of it you might see that that book behind me that atomic habits.

[00:13:40] That is a very valuable book that really goes into the habits that we we have and how to use those habits that help us reach our goals.

[00:13:50] So I found a lot of help in that but it's just amazing how we put them and to say it's the secret of money is like.

[00:13:58] You think that it is more complicated than what it is, but it's really nice like okay well how do our our habits impact our actions. How does our mindset impact you know what we do.

[00:14:11] And how our emotions do that as well and then lastly the relationships so what is your relationship with money just like you know you guys have been together for a long time and you know that as a married couple it takes some compromise.

[00:14:28] Okay, maybe one spouse has a idea about money and the other one has a different ideas like okay well how we're going to meet in in the middle and then sometimes those different ideas about money they cause a lot of tension.

[00:14:45] And other times you know people might really feel like you know they're all on the same path with it and like oh we're going to do this but that's not always the case for everybody and that's what often leads to a lot of the voices what folks because you know they don't get together.

[00:15:03] We're focused on other things and it's that part of communication that financial communication is like okay well what do we do do we have joint account do we have separate count how do we track our stuff and a lot of people don't like to look at it like all right let's not look at what we're doing.

[00:15:19] You know like it doesn't exist because you're. You're right you have your family and I want to make it it's a normal thing work when you're planning to have kids. already have things were oh I'm a set aside and I'm building something for my child's future.

[00:15:38] But it doesn't take much of you you do something consistently even something small is ten dollars twenty dollars here there over course of forty years that can add up to being a lot but what happens is this left lesson is never learned.

[00:15:56] And so people don't do it because they don't know exist they just all the learning is just safe safe safe safe safe safe safe safe safe safe safe safe safe safe and invest right.

[00:16:08] And that's what in that's what ends up happening well I know that we were married and willing to adulthood before I even understood that there were different savings accounts with different types of.

[00:16:23] And so I'm interested in interest and it's like that so my knowledge of money and spending came from my mom and it wasn't a healthy thing I thought that a credit card was magical. And I just give you the stuff and people still think that. And right right.

[00:16:43] You do it. You do it.

[00:16:45] And so then as an adult getting caught up in credit cards and things like that then I had to learn how that interest works and realize that you know the pair of shoes that cost fifty dollars and all I have to pay is you know.

[00:17:04] 13 dollars a month because I'm going to pay the minimum that I end up paying two hundred dollars for pair fifty dollars shoes. And you've made the mistake at that point so you've dug a little hole for yourself and it is hard to.

[00:17:19] And then you know the emotions kick in and then by this time you form those habits and the mindset is is what kind of kicks it off so.

[00:17:31] Once you have that realization whatever stage in life, what is it that you begin to do to kind of start changing or tweaking those habits. And I think that self reflection is an important part of it.

[00:17:48] Because I said you a lot of people getting to the habit and those mindset that they don't all I own how time for that.

[00:17:56] You know what difference does it make but it's the small things that adds up and it's like we have to learn how to compound in a good way and make our money work for us instead of you know we just work working for our money.

[00:18:09] And how do we start to do that is first we got to get it up here. You have to have that reason of why should I care about why does this matter and that's like taking the blinders off.

[00:18:22] What you're doing, you have to look at what you're doing because how can you start to plan if you don't know what's going on.

[00:18:30] And a lot of us we have no kind of tracking system so if you're not looking at what you're doing, you're not able to see it on paper and had that reminder. Oh, well, you know I'm spinning like what a thousand dollars on month on this.

[00:18:45] You know you wouldn't normally wouldn't do it if you would if you actually knew that's what you're doing.

[00:18:51] You know, I've been changed that behavior so understanding the reason why and what you're doing that's a step in a right direction but as I made that analogy with the gym.

[00:19:00] You know most people have that new years resolution and they gonna go jam and you can get this super sexy summer vibe. And most people that does not happen is they figure out how much effort it takes in a. I don't know let's try again next year.

[00:19:16] Thank you, but we don't want to do that, especially with our money so. Change won't happen overnight step by step and you keep progressing the things that you're doing first. Let's look at what we're doing.

[00:19:31] Find out why we're doing it and okay, what what can we do differently and then start putting some of those healthy habits and in place because there's. Healthy money habits and there's fun.

[00:19:42] The money habits and we have to understand what those are like you know impulse buying, you know you watch TV and you see something come across the screen late at night or maybe you had something to drink and oh well I got a bite.

[00:19:56] You don't have to buy it. Let's not do that so that's some of the things that you can do to start changing that and the other thing is planning because then that's another thing that people think is restrictive.

[00:20:10] They don't want to talk about plan I don't know what I do know why but it's just unfortunate that that's what it is and because I'm like we a lot of times we make plans to buy house make plans to buy a car.

[00:20:22] We make plans for our career and all these other things but why don't we want to plan when it comes to our money.

[00:20:28] It really doesn't make sense for the most part that becomes that mindset and a lot of people is minds that they don't want to do it. I don't have time.

[00:20:39] It's so stressful to them and it's that emotion that stress and dozing and it's planning for that it doesn't have to be and there's guys for that you can go through and figure out.

[00:20:52] Hey, this is how you start to set goals and do all these things and have these self reflections of you know what you're doing that helps you write things down and basically create your plan.

[00:21:05] And then the other thing is sometimes people think that once you create a plan it's just set and stone. No, your plan grows with you. Right. It goes with your goal so it's something that you can change but it also helps keep you on target.

[00:21:21] It's like okay well I want to do this and say three years I want to do this in 10 years. How do you get there? You're playing. Right.

[00:21:31] I know oftentimes with our people especially we feel like you know when I work hard and I deserve this or I deserve that and you know some people can't deal with the delay gratification. Oftentimes you know what people. I go to the world of beauty.

[00:21:51] There's sometimes where you know you and I know for me I'll go to a store and you know I'll see something like land I want that.

[00:22:01] And but I have to think about it you know just like okay and I just finally spending right now and in my family calls me cheating you know they come.

[00:22:09] These cheap I watch some for a while you know I watch some for a while for a purchase because I always have to look you know.

[00:22:16] We got this going on that going on so maybe I don't need to get it right now but a lot of times people feel proud for you know where I work hard or I'm a nurse or I'm a doctor or I'm a lawyer so it's like well I should be the bias you know 300 dollar pair of shoes if I'm on.

[00:22:34] And you know I think that's what catches people up a lot of times just that attitude and changing that mindset like you know what yeah if people really think about like you see it.

[00:22:45] Do I really need this right now my life you know say because I'll be telling I see people you know I will buy something and I'll get to you know don't use it because I sit in the closet. Sit somewhere and then you don't use it until like.

[00:23:01] I bought this one thing I'll give him credit for though if he buys and then doesn't use it is because it was on clearance. He is funny.

[00:23:11] You know I get I can turn that on ahead and say you know to everybody a practice that you could do you could go around looking for stuff looking for stuff on clearance you can look at stuff at good will stuff that you know you can turn around a profit or maybe even some stuff.

[00:23:30] That are free and you fixed it up and. And I made some money off of it so it's thinking a different you can be consumers but it's just being.

[00:23:41] Strategic consumer like okay I'm going to buy this because then I know that I can make some more money on it like.

[00:23:49] Even people that bought shoes back and they I'm not a sneaker head but some of the things that back in those times they had certain shoes that came out and they kept those in condition.

[00:24:00] Oh, I'm buying them the resell them they knew nothing that I did you know maybe that's something to that so it's just.

[00:24:08] Finally that difference that you see that you know what's going on what people want and like oh I can get a deal here then I can sell it for more over here and you know if you do that consistently that's additional source of income.

[00:24:24] I have to unwares the the safe and being cheap that's an absolutely nothing wrong with what being cheap because you know everyone has wants to have this this appearance of okay I'm able to afford this quality but.

[00:24:37] Are the wealthiest people always spend money like that we might think because immediate looks like they are but time to their not they a lot of people that are very wealthy are very frugal people. We just don't know it just you know that we're.

[00:24:53] I'm attracted to all the flashy stuff you know what used to make me we were first got together we used to ride around you know just kind of dream looking at houses.

[00:25:05] And it was certainly because you knew that if their word and maybe one black family and that neighborhood but most of them were you know other races.

[00:25:14] And one thing I noticed when you went to those neighborhoods you didn't see a lot of Mercedes you didn't see a lot of high and cars you saw your cameras you saw your.

[00:25:25] You saw your fans you saw your feet but you had this nice gorgeous house and it didn't have a nice bits of crawling inside maybe in a garage but you didn't see that but then you know.

[00:25:37] We go to the other side whereas a lot of wealthy black people and that's all you see is the big house and expensive cars you know this like.

[00:25:46] I thought to myself why's that these people all know some you know they're not worried about showing their wealth on the outside you know and that's really kind of stuck to me throughout the years.

[00:26:00] It's a status symbol and if you think about where a lot of people spend their money it's in the car and I was say.

[00:26:07] The car is designed to get you from point A to B and you want a quality car but who says that it has to be brand new.

[00:26:16] You know right you so as you drive it off the lot is depreciated so it's the depreciating assets so why are you spending all your your money on something like that and treating like a vestment but it's not going to make anybody now.

[00:26:32] You're going to turn around and you're going to make some money with it by doing things that's a different story but.

[00:26:38] Most people they just buy in that car is oh I just feel like I deserve this nice car and they will say you see on social media well I did the thing and then there picture them. What did you really do why.

[00:26:51] What you did not know you just cut yourself in debt right exactly and that kind of leads into that and something you said that I wanted to ask you about so.

[00:27:04] A lot of times like we look really good on paper and that ends up getting me in trouble you mentioned with the cars once I got the first brand new car I learned very quickly when I went to trade that in.

[00:27:19] And I think that's why that was a bad idea because the negative equity in it meant that they we can put you in this other brand new car because we have rebates and special.

[00:27:31] And so it took a while for me to get out of that loop and once I got out of it I said I would never get a brand new car again.

[00:27:40] What and then when you said you know people don't want to sit down we don't want to look at it we don't want to talk about it and I know for us.

[00:27:49] One of the things is because on paper it looks so good but in real life it just doesn't translate. So are there some things that we can do to make sure that we're looking at things honestly. It's a little bit complicated because everyone's different.

[00:28:08] And sometimes it's just that those minds that are so ingrained it is really very difficult to get you thinking in a right direction and I've had a lot of experience with that were, you know,

[00:28:20] I've sat down with folks and they listen to me and just like you said oh well this looks good it sounds good but they don't really believe it. That's a coach.

[00:28:29] I can't do anything if you don't believe if you don't believe that as possible is not going to work. And everyone's different some people might be able to read the guide like okay here's this guide here's this course and they take it in their good.

[00:28:44] And others you're going to need that one on one coaching you really need to look at your situation and figure out what's causing your roadblocks what's causing yourself doubt.

[00:28:57] You know there's a lot of things that come in where we got that negative self talk that we're saying because what's going on in our families.

[00:29:05] So we're not coming across millionaires we're not coming across a lot of people that are wealthy that we're having conversation with them you know and where is normal that you're talking about money maybe you're going to the golf course and you're talking about those things you hear those things being discussed commonly and openly is no secret right but in our communities that's not happening.

[00:29:29] And so there's resistant to that so it's really sitting down and really looking at what's going on what are your goals are your goals realistic what your short term goals and your midterm goals and your long term goals.

[00:29:45] What does that look like for you and what are you going to do to make that happen.

[00:29:51] It makes no point to put it out there in a plan if you don't have any action steps toward those goals that you're doing so you really need to have that written out and you can't just keep it all in your head because they're just all in your head.

[00:30:04] What's like a hood that you're going to follow through on it.

[00:30:07] Like you want and that's why I said even though a lot of people don't like to plan it's essential if you really want and that's what I'm talking about the money secrets is not what I'm talking about what we've been talking about.

[00:30:21] It's not been anything that's like amazing hasn't been anything that's very complicated it's there have been very, very simple things. These simple things that get you where you need to go but the thing is you have to be consistent with it.

[00:30:39] You have to start acting on it and as I said before it's not just saving because people have hard time saving as it is but it's awesome investing and when you mentioned investing people just get this this big fear that comes over them is this shell sock where they think like oh well.

[00:30:58] You have to have a lot of money to do this. No, I'm not ready for for doing this right now and as I said before you know it's small amounts small amounts that over time consistently leads to something.

[00:31:11] Right, but you know that was one of the things that I just saved in the last five or so years realized because I thought as far as like invested in by a stop that you had to have enough money to buy an entire stop.

[00:31:27] It wasn't until I was introduced to what is it Robin who you can do partial.

[00:31:35] Partial shares I thought you have some ways to invest on cash out actually you know just certain different apps and you can just go in there just buy you know percentage of the stops and I think just that knowledge if people had that knowledge, you know they could say well.

[00:31:51] I can go instead of going to spend $50 going to club and buying it out or whatever I could take that $50 and buy a stop you know.

[00:32:01] And that's some of the things that people don't really realize so for the young couple that started now, you know like us we were making very little money.

[00:32:12] Very little money we were just struggling trying to make ends meet but for that couple out there it's just starting out to didn't have a safety net.

[00:32:21] What kind of advice would you give them as far as how to start with the plan and structure it and follow through with it. I guess well one you have to make that conversation fun.

[00:32:34] You can just make it like stressful and fair and do thing and that part is difficult I mean that's that's harder than the money part really.

[00:32:45] It's just getting to where you get accustomed to it and figure out okay well what what do you want and what do you want your goes not match up so you got to figure out if they don't you know why what worse that compromise.

[00:33:00] And you know find those tools that's going to work for you because there's a lot of tools out there maybe you someone that does it old school you know do it on notebook or maybe do it on the spreadsheet or maybe you were someone that you need to act to make everything easier for you and everyone's financial transactions are being tracked and it's going somewhere where everybody could take a look at him like okay well.

[00:33:24] I don't know maybe we're going to have a date night and make it fun but make it a challenge make a lot of couples like to have games together.

[00:33:32] And he meant to get okay well let's have a financial stuff would see who can save and invest the most over this period time something like that.

[00:33:41] That is fun was just taking money and just that different mindset if you planning to have some kids sometimes you know kids happen unexpectedly but. But if you plan it like okay well what's the future kid fun and what we're doing with it.

[00:33:58] And those are things that you start to do to have that conversation and then once you have that conversation now we can start stepping into the planning okay well who do we need.

[00:34:08] Do we need a financial advisor do we need a financial coach a lot of times I believe that you need both.

[00:34:45] And it's bigger that means that I'm not going to have any financial distress and that's why like no it's what you're doing because you earn more money a lot of times because you earn more money you spend more money right because we're not tracking what we're doing.

[00:35:00] And we're not looking at any milestones.

[00:35:04] Oh well I want to be here and what can I look at that tells me that I've reached my goal and then I'm able to celebrate it yes I have an emergency fund and okay well I have at least a thousand dollars most Americans don't even have a thousand dollars in there.

[00:35:20] Well how do I get there baby steps maybe I want to say oh my goals is to get 500 dollars a start a 500 dollars.

[00:35:28] Yeah how do we get to 500 okay well I'm going to take 50 dollars and every paycheck put in automatically man we have to put it automatically in this emergency fund maybe I'm to start this high yield savings account that gets more interest.

[00:35:42] And I don't put the money there or maybe I just have a regular savings account and then once I get to that 500 dollars I'll celebrate that I got there and like okay let's do 500 more and then I have my thousand dollars and then I can build up from there so it's those goals and then looking at also the long term so what are we investing in the long term do we have a 401k you know do we have a RA what are we doing with our money.

[00:36:11] Um preparing us for retirement when do we want to retire that's a good question does it have to be 65.

[00:36:18] No you know and a bear question how much money do we need when we retire but a lot of us are going to need more than a million dollars right the retirement and if you don't have a million dollars how you're going to get there.

[00:36:35] How how are we getting to a million dollars where we're going to live some people might think you know what I think body sounds really good.

[00:36:45] I'm going to do my cat my best because the American dollar can stretch much further or in country and I can get all these things and that's how I'm doing but whatever your plan is is to start thinking about those things and what you need to have in it.

[00:37:04] To get where you want to go right right and okay so sitting here listening to the information in it's wonderful I am anxious listening to it.

[00:37:18] So how do like you said financial advisor and I remember we went to a meeting there was a financial advisor who invited people so you know you hear his presentation. And we were so excited and then he gave him a mountain outside at one time.

[00:37:36] So that was types of things we're middle age. And so we're wanting to speed up the date to be able to walk away from our full time jobs.

[00:37:52] So what types of things would we need to start looking into to get that fast track to prepare us even if we're not necessarily retiring because we want to be self employed. But can we do to kind of speed things up a little bit.

[00:38:10] Awesome I'm so glad that you asked that because that's what we're getting to that opportunity conversation.

[00:38:17] People here to work opportunities they don't know what to think of it a lot of times because as I said most people think and I'm not talking down about having an eye to five. Right.

[00:38:29] Other's wrong with that actually you can use a nine to five and be strategic with it.

[00:38:34] You know invest with it do all these other things or you can not have to give up your nine five and you can still have other opportunities but that's when you put things on paper and you start tracking what you're doing

[00:38:46] And you're like okay what's income source you have a dual in corp source you know one you married you have a spouse make this money income this spouse makes this money income you combine those two together.

[00:38:58] But what if there's other sources of income right you each have different sources of income that's coming in that helps you get to your goals faster you can invest more money.

[00:39:10] You can put money towards different things you can make strategic investment you can best then real estate you can best then businesses that you know you don't always have to be the one that's managing the whole thing maybe you invested but you're getting money from that and you know finding ways to get that you know that active and passive income.

[00:39:29] So those things start to compound so it's just looking at those opportunities and there's a lot of stuff out there's there's hundreds of different ways to make more money.

[00:39:39] But it's that we're not taught to do that and then when people start getting on social media and they search things they watch these tick talks and these are little bites of information.

[00:39:51] And it means that everything's a scam but yes people make it sound very attractive and yes they want viewers.

[00:39:59] They want people to tap into their message so that that's part of marketing you know what's going to listen to someone and say oh this is really hard and this is going to be.

[00:40:09] You know listen to that message you want to hear what you want to hear right so they don't give you what they want because they understand how you think.

[00:40:18] And what the struggles are so they're going to tell you that yes it will be a challenge and you're going to have to take the time.

[00:40:26] So go through those things and look at some of those opportunities like you had mentioned what learning more about investing I recommend something that you know I had that mindset because.

[00:40:37] I rented some rooms out of my home and then I had a guess that I became friends with him you know he was like a day trader he was in the room just all day you know.

[00:40:48] And I was like okay this is kind of interesting and I always had in my mind that I can't possibly do that I'm not smarter enough to learn how to you know trade market it was just this negative mindset that I had for whatever reason.

[00:41:05] But it really isn't that hard to learn those things and add to that that to your skillset outside of your job or with your job that you do and then and I recommend we boo.

[00:41:17] As one one of those tools because it provides an education and it provides a thing this called paper trading so it's where you trade not using your own money is like fake money but you're testing out your strategy before you start to trade.

[00:41:34] Or to trade and learn how to paper trade for oh let me learn stuff about stocks and how to place different type of trades you can even learn how to automate some things like if you.

[00:41:47] You talked about fractional shares of stock you can automate that process like me I've automated oh well I'm going to take every week I'm going to take.

[00:41:57] $10 and I'm a I'm a habit by this many shares of this stock I'm taking $5 and have it by this many shares and at the end it's only like it's adds up to like $20 but it over time that's starting in a right direction but that's just one of my strategy just to get start that's the hardest thing is this to get started with doing something.

[00:42:20] You know it might not be much but it's that thing that inside makes you feel I'm doing something I'm not just doing the same thing and I'll make you progress are being scared of.

[00:42:32] They're being risk I mean we wake up every day and walking down the street is a risk.

[00:42:38] I can't avoid risk but what I can do is I can reduce my risk how do I reduce my risk by not you know spending putting all your money in one thing.

[00:42:53] You know, the little bit of money that you're probably wasting anyway as you said before take that $50 and let's do something good with this going to give us a better return starting learning about some companies that you might be interested in.

[00:43:10] What's going on with them and I have examples where you know fall maybe I'm falling to technology company or something else. And some financial news happened if I got that stock at a low price.

[00:43:24] It doesn't even take that much I got a low price and then all right well that stock head dip I got at that price and then some great news happens and those stocks go up is shoots up.

[00:43:36] One, three, four times that little stock that I had if I sell it at that price that higher price than what I bought it I just made a lot of money.

[00:43:45] Right doesn't it doesn't take much it's just simple strategy about that and how to automate that process how do I prevent myself from losing up a bunch of money okay well I made this trade and I wanted to stop here I'm going to put in this order to make it stop.

[00:44:03] I'm going to do this point because I'm planning out so I'm talking I talked about planning planning comes also in trading as well you're learning how to.

[00:44:13] You're learning some of the terms you're learning what to look at when it comes to charting and all those type of things you're looking at oh what does this mean what does that mean.

[00:44:23] And we both has a good a very strong platform that teaches you all these type of things if you just really take the time to look.

[00:44:31] Okay, so that's one thing that I recommend with that and other opportunities I could say this good for you as being an educator would be.

[00:44:41] I'm using what you have up here to make money and what it is to do they come up with lesson plan right when you coming up with lesson plans what can you do that leads to a digital product that.

[00:44:53] Find out what somebody wants to know and what they're willing to have you explain in your unique way. You created once and you just have to market it and you're making income often what you have created right.

[00:45:08] I actually when you said we will I was following this gentleman that was on Instagram and he was saying you know just open it up in the count with we will.

[00:45:20] I think at that time they would give you like so many I think it was two shares of stock. And like free just open up the count with fifty dollars on what I'm saying I did it.

[00:45:33] Yeah, I have one to you know during the pandemic is all about. I don't freeze. I start Bitcoin cooking crafts you name it during the pandemic you know I became a little expert. But then when life started again those things kind of got pushed to the side so.

[00:45:57] And one of the things I did. I would not I do work on cars on the side so sometimes my customers would pay me who cash out. And the most time they did and I would take you know.

[00:46:13] A certain percentage of know 10 $20 here and I would buy you know stocks with every buy some dividends. And I kind of slat it off on doing that but I thought that you know being able to this right in the out.

[00:46:27] That was the health the way of getting started so that's something that you recommend. I mean we talked about it earlier but for somebody that's dealing with that they don't really know anything.

[00:46:39] I know you don't have to educate themselves of course but if they start with like cash out you know everybody use it or then more whatever the use.

[00:46:50] Is that something that you recommend that could help someone learn and get started and find their way to invest in I mean you know what I'm saying like you know. Well it's fast I was looking at like cash up as a platform.

[00:47:05] I didn't really like that because it doesn't have as many educational tools and that free range of stuff that you can do with that as I was saying that where you actually you can automate stuff and you can control what type of and it's I know getting kind of deep into it but it may not make sense for everybody but getting into the type of order that you're making.

[00:47:29] What the particular stockings that you have. Well has that piece too that you can do the educational part to learn how to do it and then apply it.

[00:47:41] Okay, right so that's why I recommend because people kind of get the count started but they don't move past that and they don't see.

[00:47:50] All the different tools and I mean it's another room that happens you get distracted any move on but there's so much tools and and that's available in a weeble and I want to things that I wanted to do is just kind of make a guide to help people.

[00:48:07] What that because I started to understand that a lot people just don't understand how this work this is you know you are becoming your own advisor and learning how to make your trade and I'll just make this disclaimer.

[00:48:21] I'm not a certified financial advisor that's not my title but I do know what I'm talking about and but people that given advice on exactly how to trade you need to have some type of certification that.

[00:48:34] Now gives you that because your license and you know how the marketing stuff works but just to get someone started and finding right strategies you got find what works for you, but.

[00:48:46] You know, fractional shares is a good way to get started you know you can have different type of stocks that maybe you like to do Apple and all these tech stocks that are out there and you want to get a piece of it.

[00:49:01] And that is a little shipping away at that big block at a little over time. Now it's not going to make you a millionaire overnight it's not what happened but you start to learn other strategies like okay well looking at.

[00:49:15] Looking at up and coming companies that their stock prices less than a dollar right on some things and learning to look at you know their financial statements the news that's going on with them and you know you having these big old shoots in the stocks that they have for this performance that they're doing.

[00:49:33] And you able to get that positioning people understand what that mean getting to the right position low enough that that's very valuable because once you're there and your patient. So I don't have the patience to wait you have to make that decision do I hold.

[00:49:53] Do I sell when do I sell so that's part of understanding what that's going to look like for you and what's looked at looking at for that stock in making that decision.

[00:50:03] And this is my plan and then I'm automating it so I don't have to stay watching it and that's the one of the beautiful things that I like about we bolder I could just make a plan.

[00:50:12] Okay, this is where I want to be let me not be greedy but when I want to get to this point I wanted to sell and then I'll put it there and I'll just forget it.

[00:50:21] So when that happens I can set it I think it's a I think it's something like three months. And you know how to sit there and wash it all day.

[00:50:33] You haven't said and you've made your your plans and your different positions that you have and like okay I have this all automated and you know how who can't do that right everybody can do that.

[00:50:45] I was you know I had a conversation with a family member of mine and she had all these negative things while she failed at trading and what and I'm like.

[00:50:54] No, you you got this these are all the tools that you need even if you want me to walk you do how to do I'm there to help you so don't think that you know you fail in this impossible we can all do this so getting that that money to trading getting that money at their.

[00:51:13] I'm creating from your own intellectual property that you have and creating something whether to get your people how to work on that on cars and do.

[00:51:23] Do I change or whatever you could do that or something else that you find even even something as believe it or not a cookbook right.

[00:51:32] You create a cookbook or digital cookbook there's people that want to see different recipes and you know sell that for seven dollars times that by hundreds of people that is being a lot money and so you ask how do you speak that up.

[00:51:47] Is by using that creativity you find a problem you provide a solution for that problem you market it that's how you you speak things up and these things add up there are regular people.

[00:52:00] Just like you mean that every day they're doing I'm seeing this all all time people think that it's impossible but I've seen people come out of prison and be wealthy I've seen people come out of being on house and people.

[00:52:13] You know, we wealthy I've seen single mothers raising four kids by themselves become wealthy this is not for people that just are smart.

[00:52:22] Just have that you know they have the right social standing no this is for everybody we control our money and then that's just something this very foreign to folks to think that we do.

[00:52:35] But yes I mean don't get mad at me people but I'm telling I'm not coming at you but we control our money you just have to have the mindset that you are in control of that you really are it's not your job that controls that.

[00:52:50] That's what we've been taught to believe but it's not you can you create those opportunities and you take action on them and that's what determines your success.

[00:53:00] So how do you when you're working with your clients how do you keep them motivated and focused on that because I know like for us we have the day to day we have our bills coming in we have income that is limited based on you know it's your income you know which your income is going to be based on the.

[00:53:19] The way you're going to be based on the the word so all of this is exciting and you want to try things and you want to open your mind to try and think differently.

[00:53:29] But then maybe you get home in your tired or you haven't extra expense that comes up that you didn't expect so how do you help your clients to keep that motivation.

[00:53:41] First you have to have clear expectations and really start to understand that person like what are you really dealing with and you know if you give me bad information well how I'm going to help you you have to get that trust from that person really get them to open up.

[00:53:58] What's going on like look I'm not here to embarrass you I'm not here to share your information with anyone else.

[00:54:05] This is not we don't I'm here to help I'm your partner we're going to partner together we're going to get through it so you have those regular check hands like how often.

[00:54:15] We're going to meet once a week which our situation usually that's that's a standard mean once a week to get get you through it and normally this is not something that you know you're going to have one call and that's just going to solve it all.

[00:54:31] I'm going to take at least a month to get someone on the path and you got to keep working with them to get to those wins.

[00:54:38] Those wins can be small but psychologically that means a lot you get a small win and show people that they can do it when they've been telling themselves all the lives that they can't.

[00:54:49] That starts a chain reaction so you have to have that communication and you have to get them to the wins like okay let me walk you down this path.

[00:54:58] Let's do this baby step first and get it with here and then go from there despite whatever you know things that you might have gone on and if people sometimes they even motivated by the kids right so maybe you can add the kids with some of that challenges that you have gone on.

[00:55:16] And kids like playing games like that and evolving them in what you're doing and talking about money at the same time you educate them as well so I don't think that you know it's wise like the high these things from kids and not have discussions about money.

[00:55:33] I think I think I have it as early as possible that they can understand and that talking about money is a good thing and let them know what you're doing hey mom and dad is doing this big thing and this is what we're doing.

[00:55:47] We got over kids hey some of that those habits have been integrated to what they do with their lives and it's okay this is what we're doing and maybe you're having a family discussion hey we're going to have a challenge of no what we're going to do what I'm money or maybe.

[00:56:01] You know you might start something together. Going to a family business and my family I'll just be open about it is becoming an entrepreneur is not easy. It's really not easy because it's far from a lot of people and they don't understand the struggle.

[00:56:20] We don't have a lot of chilliers in our corner because you know when you get that job that new job everyone's cheering for you they're in your sex out. Congratulations you got a job. Congratulations and then when you oh I started a business and there's their silence.

[00:56:37] I'm like. Yeah it's so good. You're like oh you expected to happen all the success to happen overnight you know business owners go through a lot of struggles and.

[00:56:54] It's just I think it's that pathway to getting to what you want because you're not just the individual or your business entity.

[00:57:04] And that entity can do a lot for you on a personal side as well if you're able to learn how to use it like learning how to use business credit.

[00:57:15] Learn how to get all these different type of accounts and stuff with things your business these are opportunities so.

[00:57:23] You know, you know, you want this but you can't get here without doing this first so let's get you there and keep you motivated if business on a horizon for you.

[00:57:41] Then great or maybe it's not business. Maybe it's something else that you learn or you already have the skills that people are willing to pay for I think that's exciting let's set you know go.

[00:57:52] All right if I say I need to make $10,000 this year at least $10,000 I need to add to my income this year that's pretty exciting when you think that that is actually possible to do that well how do we do that how do we get there if our goal is $10,000 how do we make that happen.

[00:58:10] Realistically what are some things that we can do not something that I'm telling you that you're going to do know what some of the things that you can do that you are excited about.

[00:58:23] That you will stay on target with doing right so I know that you also your business consultant and you just mentioned about businesses. So would you recommend like if someone is working on their personal finance situation and trying to build there would seeking out.

[00:58:44] Business ownership and entrepreneurship be something to do at the same time or should you have personal stuff in a certain place.

[00:58:52] You can do it at the same time a lot of times when you just start not and you don't have business credit there will look at stuff on a personal side.

[00:59:03] But there's also you know different strategies that you could use in you know a business could be something that helps you get your personal side fixed up especially if you have like maybe you have a partner that has very good credit.

[00:59:18] And they are partners with the business and you have that all in writing this the legal stuff has that right checks and balances and it makes sense because some people don't like to talk about partnerships but partnerships are very important.

[00:59:33] They can be very lucrative so utilize that partnership they have have the right type of business not one that is super super risky to a lender right. So if you have one of those industries that's not known as risky.

[00:59:52] Hey start that business and get that going and start fixing your personal credit but I think the biggest thing with that is really to when you talk about personal credit is to understand what's going on you might have a poor credit score.

[01:00:07] But if you don't know what's impacting your credit score that's a prop you know so go ahead and get your free credit report for the for the three different bureaus and look at what's in those reports is there anything that's not accurate is there anything that you can challenge and if you can challenge it.

[01:00:28] Learning how to challenge and getting some resources that help you so there's some companies that do it for you there's some companies that will do it with you and there's some companies that will teach you.

[01:00:41] How to actually do it and this all ranges when it comes to price. What that sometimes it might be just a simple subscription that you might take that gives you the basics but you know if you don't start somewhere.

[01:00:56] How are you going to fix that and get anywhere so it's really really important to look at those things and it's great if you have access to a lot of money on the personal side and then you got access to a lot of money on on a business side wouldn't that solve a lot of problems if you've got a hundred thousand dollars here.

[01:01:14] You could do a lot with that right so that's what I talk about with opportunities that's an opportunity that's often missed because people don't want to have that conversation about businesses.

[01:01:24] Why do I always talk about business and money there's a reason why because it really goes on the people's nose because they're focused on just getting through a day and going through this routine and not having time for anything new.

[01:01:39] Like no, this is stuff that you're missing and it's not a fact there's not a scam these are things that people are doing every day.

[01:01:47] You know at the beginning I mentioned that both of my parents it was you go to college and get a degree and neither of them did.

[01:01:55] And I remember speaking with my mom and I mentioned something about there was a college visit and I spoke with someone and I said I think I want to major in business and she's oh no you have to have money on a business and I mean she was dead set against it.

[01:02:12] My father was a business owner. So that was how our that was our livelihood and he never encouraged that entrepreneurial spirit in me she never encouraged that she was you know they were both more focused on pushing me towards something more stable.

[01:02:34] And so it's difficult when you don't have someone supporting that desire to take a risk. Right, and I can understand why that is because. I think some people focus on business they entered the business with the wrong mindset that they have to do everything by themselves.

[01:02:54] And maybe in their day is different but now we have technology now we can live and different states and we're able to come and meet and do like a mastermindless okay let's put our heads together and put the different skills sets together and figure out how to make this happen.

[01:03:15] And we can collaborate everyone and business don't have to be alright it's the you know fight for the fittest who's the fittest and all that survive no let's figure out who do I need to collaborate to make these things happen.

[01:03:30] And I was telling my mom just the other day because she was having a lot of negative self talk about oh I can't do this because you know she is a certain age and sometimes you get certain age and you think well I can't do this and I can't do that I'm like.

[01:03:47] But you don't have to be the one doing it you just might have to be pulling some of that knowledge and then you have someone else. That's to do that like maybe you don't know anything about creating a digital product but you know someone else that does.

[01:04:02] And you know anything about marketing but you know someone else that does and you put things together and you just come out with the idea and then those folks or that person is turning that idea into reality and making come true where I said you got that win hey I created something.

[01:04:22] And now the thing that I created I created it once and it's out in the public and it's making me money you know and people just don't realize.

[01:04:31] Yeah it's not magical right it takes a little bit of work but it doesn't take as much work as people think. Right there on the right platforms and if you understand who you're targeting solving that problem and make that attractive they're going to buy. Right.

[01:04:51] Before we close out for our listeners going back to the word we used that people fear the budget.

[01:05:01] It's like a bad word and some people's minds said give our listeners some basic things to look for as far as the budget some people hear the word but they don't actually know what a budget consistent so can you give us some basics of right.

[01:05:19] Would you list on the budget and things like that kind of help some people out.

[01:05:25] Okay well your budget is part of your financial plan I don't know talked a lot about planning and just like with business you don't just jump into or you should just jump into business without.

[01:05:36] And then you can just do that because that's usually that's the fastest way to fill and a lot of people don't recover from that and it's just understanding you know what what you can learn from failure but let's not do that way or money or if we fill that or money how do we when budgeting is part of that key.

[01:05:56] And then you can just look at oh well how am I tracking my money because how can you create a budget if you're not tracking anything so you need that data from what you're tracking and I tell people that you know least tracking back last month what did you do in the last month with your money.

[01:06:14] Yeah it might be depressing you know. It might be depressing but it's okay you know no ones there to judge you you're trying to take baby steps and make changes so you need that tracking data from what you did.

[01:06:28] Within the last month and then a lot of times in your bank the bank might make it easy for you where you can look in there and it might allocate you know well actually categorize your spending for you a lot of banks have that and if your bank doesn't maybe you can you know do it old school.

[01:06:45] And download someone that data put it on spreadsheet just highlight some of the things that you've been doing for your money what all your expenses are going.

[01:06:53] Or this is the part where some people don't like there are apps that you can do and you can tie it to your bank where it will you know you're trying to your bank where you you're logging in on that app and giving it permission to track what you're doing with your money.

[01:07:11] And so we look at that app and it tells you what I'm doing all the work where all your money is going and then you can look at that every week.

[01:07:19] So I say start there but you know that budget changes so you're getting that data you're looking at your goals and you're going to look at how much money do I have coming in.

[01:07:29] I must do I got going out what am I doing with my money what type of savings do I need. How much am I investing and then some people financially have these these percentages you need this percentage that presents I don't like to make it complicated.

[01:07:46] And that works for you. You can follow that percentage rule of how to allocate your money towards your different goals but I believe you know is more or less looking at.

[01:07:56] And telling it for you of what you want to do that short term midterm in that long term those goals and and setting those aside. So what you have coming in with you have going out that's a critical part of your budget.

[01:08:10] Another thing is you know just figuring out what you're going to do with it. So look at those those milestones and how to set them. Okay. That sounds good. I know I remember reading a book while back from Dave Rams, he told him money make over.

[01:08:29] And he's dressed a zero balance budget where you allocate everything. You know entire paycheck all the way down to zero so you put something here you put something same as you put something you should have zero balances that something that you would recommend to people.

[01:08:49] Yeah, just like you allocate every dollar or every savings.

[01:08:53] Right. So it's having that that every dollar is working towards something and that that makes sense and Dave Rams is you know one of the people that I recommend but some people say oh well he's unrealistic and they'll say all kind of things.

[01:09:10] You have to figure out there's so many different strategies out there and I don't think you know is just focusing on the particular strategy is focusing on what works for you. Right, right.

[01:09:23] Just like anything else and I think that with money with anything you listen to and this is slight and all of us but you listen people and they tell you you do x y and z to get the desired outcome.

[01:09:39] But what we also have to do say is you do x y and z and x to your life in your lifestyle.

[01:09:47] And if it's something that you're not going to stick with or if it doesn't make sense to you, if you can't see clearly then you we need to you know find another strategy. Right, and I think there's like one word that we didn't mention and that was dead.

[01:10:06] And that's the biggest one when you talk about budget and really need to be talking about some debt because that's what all of us have problems with is that you have.

[01:10:16] And people have student loans, you know we listen to what our parents say and hey we got to go to get this green and people that did that are finding themselves there.

[01:10:26] Really tied down with that student debt that they have and how do you start shipping and later that and that's some of the things that I talked about you have to come up with different income producing opportunities. And that's like that.

[01:10:41] So I just say but that time where we think that one income is going to do it and that's it.

[01:10:48] No, I believe those days are long gone, you know, we have to have those additional sources of income using technology to help us and boost our, you know, our brain capacity things that we can do.

[01:11:02] I mean, you can put it into chat GPT different ideas and it will literally within seconds spit out information for you.

[01:11:12] I ask it questions is the right question and it will spit out these things so we have to learn how to tackle and those are the ways that we come at debt is figuring out how we make more money and setting goals.

[01:11:24] And maybe I need start with the babies that I only need extra $500 a month right over that do a lot of people $500 a month extra in that income will make drastic difference in their lives.

[01:11:39] So how to do it so some is let's go to the drawing board and look, oh, it will start what we can save where we spend in our money which we've been tracking.

[01:11:48] So what do we start doing that we don't need that can save some more of this money so we can have more of our income that we're doing more within instead of just going down pit right.

[01:12:00] So it's how to get more of our income working for us with that, you know, simple $500 or maybe I need $1,000 extra will how do I get there what could I do.

[01:12:13] Look through the household or some of things that I'm not using and I just gathering dust that I could sell and make that money and get that and.

[01:12:23] Different opportunities like creating things that you can make or learning a skill that you can charge people for maybe you want to be a freelancer where you can work from anywhere.

[01:12:34] And it's all only like hey, I learn how to do marketing or I know how to do marketing or I know how to do websites.

[01:12:41] I can get clients that are going to pay me for this package and as long as I got a strong flow of clients no one can ever take that away from me.

[01:12:52] No one can say I'm fired because no, I have that skill already and I'm having my book of clients and they're writing testimonials for me and I'm getting it.

[01:13:03] So those are things that you're doing to help tackle something that debt your teaching people because I think educators have superpowers because they're used to doing that.

[01:13:14] And they're using people and something and there's so many people out there through technology that they want to learn a skill they want to learn something even simple as.

[01:13:23] You know, making our making drinks or they get they want to learn this stuff they like seeing this stuff on social media and so if you're able to translate that to what they want people will pay you for that knowledge and you start tackling these debts that's in your budget.

[01:13:39] Well, this is much money goes toward the debt and then I figure out what that I'm wanting to pay or you know what what I got going on with my credit cards. Or this one has this much interest and I really need to tackle this first because.

[01:13:54] Causing a lot of harm because I'm paying the minimum balance. Yeah, and this yeah those are things that people are not taught to look at let's look at what's going on with those credit cards. Where's our debt coming from and what do we need to be putting.

[01:14:10] To the right. So we're not in the cycle of debt where I mean you basically don't want to pebble at it and just keep growing growing growing growing you're now going to get out of that if you do it that way so look at it figure out.

[01:14:22] And put that within your budget and you'll be along the right track. And that's fantastic brother well we thank you for your time we go. We have really enjoyed this you have a four on those on the lot. Yeah, you have a house once or twice.

[01:14:40] Yeah, you still don't know. You got us thinking about those things that we need to do and change for ourselves to prepare for our future.

[01:14:50] For those who have been listening and they would like to get in contact with you to you know get some strategies going for them. So how can you reach out to you. There's a few ways some people don't really understand the power of LinkedIn.

[01:15:07] It is very powerful and as another resource that I'm working on to show people how to use that to help them in their careers in their businesses. You can reach out to me on LinkedIn or you can reach out to me at way maker surfaces. www.waymakerServices.net.

[01:15:28] You can find my contact information there and you know we can have a conversation. I plan to also do a lot of free classes out there and just like we're talking now.

[01:15:41] My goal is just to start with making that conversation like we've been having enjoyable where you know we don't dread it and it's fun is not someone talking to you about boring stuff that you don't care about. Right, right.

[01:15:55] And I will say that even though there were some touchy moments. I am motivated and excited to sit down and look at things. There was a lot of optimism that came from what we talked about so we appreciate that.

[01:16:11] We definitely appreciate it and appreciate your time on this good Friday evening. And brother, hang in there. Let's keep doing what you're doing now. You're helping. If you hadn't helped anybody, you definitely helped us tonight. Thank you so much. Thank you.

[01:16:31] Thanks for joining us on this episode of Beyond I Do Park as. Please make sure to like this episode and also subscribe to our podcast. You can also find us on Facebook, Instagram, and YouTube at The Beyond I Do Park as.

[01:16:55] And until next time, we will hallow at you.