Speaker 1: There are more ways to wealth with cheers, eas save
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Speaker 1: It's your wealth, your way, do more with cheers ease.
Speaker 2: Didn't grow up around wealth. I always feel a little
Speaker 2: bit okama around it all, because you know, I'm like, oh,
Speaker 2: can scare me at times in some rooms that I
Speaker 2: get into sometimes and I go, well, what did you
Speaker 2: just say?
Speaker 3: We're talking about money? And she was like why a
Speaker 3: lot of uvids we went through and I was like,
Speaker 3: thirteen grand one year, that's crazy.
Speaker 4: The idea of investing it isn't about exclusivity, you know,
Speaker 4: it's about fun and wealth. It's about it's about building
Speaker 4: wealth for the everyday people.
Speaker 5: Cura Koto, I'm Garth Bray with cheers, eyes more than money,
Speaker 5: exploring the wealth choices that change us. What's the difference
Speaker 5: between wealth and riches? Well, three people with a unique
Speaker 5: perspective on that, Jordan Brook and much a Mark from
Speaker 5: The Morning Shift, a top rated independent podcast where they're
Speaker 5: carving out their own financial future. We sent Karl from
Speaker 5: the Chezeas team along for that cord it all. But first,
Speaker 5: some important information you should always consider.
Speaker 6: The experience is shared in this episode and not advice
Speaker 6: or a recommendation or opinion by guests to invest or
Speaker 6: act in the manner they have. An appearance on the
Speaker 6: series is not an endorsement by Chas of the views
Speaker 6: of the presenters or guests. They're not financial experts and
Speaker 6: their views of their own.
Speaker 7: Carl alson talking what card eating Army, Kitty Cordo or
Speaker 7: contain their copper.
Speaker 3: Killed it.
Speaker 7: I'm Karl from Chazas and it's a huge honor and
Speaker 7: privilege to be hanging with in studio with the host
Speaker 7: so one of the most highest rated podcasts in the
Speaker 7: chart number one in our hearts, the Morning Shift, and
Speaker 7: just wanted to introduce brother Brook, Jordan and Mary.
Speaker 3: Thank you great to be here.
Speaker 7: Thanks for having us in your fuddy as well and
Speaker 7: opening up your doors to us.
Speaker 3: How's it been? How's it been all right? First of all,
Speaker 3: this is such an exciting conversation. The work we're going
Speaker 3: to get to do this year. I'm sure we'll get
Speaker 3: to all of that, but we're just talking the blinking
Speaker 3: it's over the breaks over. But I do I do think,
Speaker 3: I don't know if I felt refreshed. The boys can
Speaker 3: talk for themselves, but I did feel like, you know what,
Speaker 3: who keeps if I'm not refreshed, Because when you wake
Speaker 3: up wanting to do something that's awesome and you're lucky
Speaker 3: enough to do it, just keep rocking on. So that's
Speaker 3: where I'm at.
Speaker 2: Yeah, I'm I'm I'm on the other side of the
Speaker 2: moment where I feel locked in for the first time
Speaker 2: and I can I can hear people to whatever one
Speaker 2: of those guys, but in my heart of hearts, I
Speaker 2: feel locked in for the first time in a very
Speaker 2: long time, which is dope. So outside of work everythings,
Speaker 2: it's got to take those boxes and I go to
Speaker 2: bed early, drink heaps of water. What's so far? I'm
Speaker 2: doing well, eating well, and I'm sure we'll translate into
Speaker 2: to work. But I'm excited for what I hope and
Speaker 2: I assume will be a pretty pretty big year for us.
Speaker 2: So yeah, thanks for us.
Speaker 5: That's me Mark.
Speaker 2: Mark on the other hand, he's been traveling.
Speaker 4: He's yeah, three three weeks and a half weeks in Japan.
Speaker 4: Has has I'm different now? He brought a Louisit to
Speaker 4: be Louisait Tom beck as Louis, But no, I'm I
Speaker 4: am excited for what you know, twenty twenty five brings.
Speaker 4: And I think for me, after forty three years on
Speaker 4: this earth, you kind of go through the the I
Speaker 4: don't know the year and year out, So wow, what
Speaker 4: am I going to achieve this year?
Speaker 7: What am I not?
Speaker 4: I'm actually just excited to learn this year, Excited to
Speaker 4: learn new things, see how things are done differently. And
Speaker 4: I said to the boys on one of the podcasts,
Speaker 4: something as simple as like the Japanese chewing gum where
Speaker 4: it comes with the little extra set of post its
Speaker 4: that you can stick with you and come into it
Speaker 4: comes within the container, right, just little we tweaks, little
Speaker 4: we things that I can and hear it through this
Speaker 4: year and certain them into my life and how I
Speaker 4: go as things that I'm looking forward to this year.
Speaker 7: But feeling good, awesome, awesome, that's really cool to here, Like, yeah,
Speaker 7: like the energy that you guys bring to the table,
Speaker 7: like definitely translates into our environment. And yeah, we've kicked off.
Speaker 3: Quite busy as well.
Speaker 7: Yeah, yeah, Seeing the purpose of today was to catch
Speaker 7: up about more than money. As the copropper and just
Speaker 7: wanted to talk to you all about money and wealth
Speaker 7: and what it means to each of you, exploring choices
Speaker 7: that change us. When you hear the word wealth, I mean,
Speaker 7: I think that still hits a bit different for many
Speaker 7: people because it means different things to everyone. What does
Speaker 7: it mean to you and how do you bring that
Speaker 7: to life?
Speaker 2: Didn't grow up around wealth, didn't grow up around conversations
Speaker 2: where money was a top of conversation around the table,
Speaker 2: And so as you get older and you learn a bit,
Speaker 2: and I always feel a little bit around it all
Speaker 2: because you know, I'm like, am I allowed to say
Speaker 2: what I'm doing? Or I'll be honest pretty broke this week,
Speaker 2: or you know, I always just feel one day I
Speaker 2: feel like this, the next day I feel like that
Speaker 2: about money, and I don't think I'm outside normal with
Speaker 2: a lot of people. Feeling like that can scare me
Speaker 2: at times in some rooms that I get into sometimes
Speaker 2: and I go, well, what did you just say?
Speaker 3: Yeahs John, you know, like, so it was good with money,
Speaker 3: It was very very good with money.
Speaker 2: So yeah, I'm welcoming so much to so many different people,
Speaker 2: but I just didn't grow up around it. So I'm
Speaker 2: loving learning more about it. But I wish I learned
Speaker 2: more about it. When I was younger.
Speaker 3: I had a dad that was very frugal, and I
Speaker 3: had a mum that was extremely generous. You know, I
Speaker 3: grew up in ministry, like I'm a pastors kid, and
Speaker 3: like a lot of our opportunities for wealth was to
Speaker 3: impact you know, someone that just needed at that time.
Speaker 3: You know, that was a sense of wealth or being
Speaker 3: able to see that. And then there's the other part
Speaker 3: of me that I didn't learn how to value money.
Speaker 3: I guess that when I got it, I wanted to
Speaker 3: spend it, you know, I wanted to be out there.
Speaker 3: I wanted to buy the things. And fast forward to now,
Speaker 3: it's probably finally I'm going Wealth to me is I
Speaker 3: want to be able to be in a great relationship
Speaker 3: and a home where his love, where bills can be paid,
Speaker 3: where there's money for rainy day. We have the flexibility
Speaker 3: to travel and do what we can, but there's food
Speaker 3: on the table, and also there's I guess there's something
Speaker 3: for emergencies, is something for laid down the track. But
Speaker 3: I've never been one of those people that I want
Speaker 3: it all, Like I honestly feel like if you gave
Speaker 3: me ten million, tomorrow, I'd probably find a way to
Speaker 3: get rid of it all by the time, I like,
Speaker 3: can I have that back? But my TiO Mark, what
Speaker 3: do you reckon?
Speaker 4: Thank you Jordan, I may in fact be your exact opposite,
Speaker 4: like I do want it all. Like I'm like, you know,
Speaker 4: like why not yea, why not me? I mean, I
Speaker 4: shouldn't be in the position I am from where I
Speaker 4: came from, and I feel like, why not keep pushing
Speaker 4: and have it all now? Car of the interesting thing
Speaker 4: for me was the first time I ever heard the
Speaker 4: word wealth. And I've loved the NFL for so many years,
Speaker 4: right like I've been a fan. I was watching the
Speaker 4: NFL way back in high school. I say, way back
Speaker 4: in high school, that's how old I am. But I
Speaker 4: remember somebody saying to me, and I can't remember who
Speaker 4: it was now, but they said, the difference between being
Speaker 4: rich and having wealth is perfectly displayed in the NFL.
Speaker 4: The franchise player he's rich. He's the guy that's that's
Speaker 4: driving the cool cars, that's wearing all the cool clothes
Speaker 4: and the chains and what have you. The owner of
Speaker 4: the team that's wealth. That's somebody who has the ability
Speaker 4: to who's you know, he's not going out of business
Speaker 4: anytime soon, whereas because he's invested in stuff he's got,
Speaker 4: you know, his investment is in this team and this
Speaker 4: player isn't it. And he's using his money to then
Speaker 4: get fans to come to the game and buy food
Speaker 4: and all this kind of stuff goes back into his
Speaker 4: his back pocket, which is that's an owner. That's the well,
Speaker 4: that's where wealth is now, whether or not you'd and
Speaker 4: I know that there's a whole ugly side to the
Speaker 4: ownership model in the NFL because it can look you know,
Speaker 4: it looks horrendous at times, considering some of these players
Speaker 4: play through injuries and blah blah blah blah. But that's
Speaker 4: the difference. That was the first time I saw the
Speaker 4: difference between someone who was wealthy and someone who was rich.
Speaker 4: And wealth doesn't go away. So how do I then
Speaker 4: create wealth? How do I give myself the best opportunity
Speaker 4: to be an owner rather than having to go to
Speaker 4: work every day and and and you know work work
Speaker 4: for somebody else's back pocket. Yeah, I want to be
Speaker 4: I do want to be in that wealth conversation.
Speaker 7: Yeah, I love that quarteror I mean, like I share
Speaker 7: a similar bringing born and reason put you to four
Speaker 7: man given them re all fathers. Now, how's that shifted
Speaker 7: conversations in and amongst your own immediate fund and then
Speaker 7: kind of expanding that out to the water to the
Speaker 7: water fund?
Speaker 3: Or how is that kind of played up for you?
Speaker 4: You know what, I don't what I am. And even
Speaker 4: it even was displayed slightly just before we got to
Speaker 4: that question, right, it was the idea that were brought
Speaker 4: up and potted or you know, we're not great with money.
Speaker 4: It's almost known as a badge of honor within our people.
Speaker 4: And I feel like you know what I mean, like,
Speaker 4: oh man, you had it worse than he. I had
Speaker 4: it worse than you. You know, I'm starting from a
Speaker 4: lowest position than any of us. We do use how
Speaker 4: hard our upbringing was as a badge of honor and
Speaker 4: almost an excuse as to why not, why we can't
Speaker 4: or why we shouldn't be or we aren't at these heights.
Speaker 4: And that's just an observation for me. Now, my kids
Speaker 4: don't get that they are super privileged, Like they're in
Speaker 4: a beautiful home, they have their parents with them, they
Speaker 4: have people who are open to talking about money, Like
Speaker 4: how do you embrace like not starting from the absolute
Speaker 4: lower level is something that I've always thought about because
Speaker 4: it's been for my journey with money and savings and investment.
Speaker 4: It's been self taught, it's been self learned. I'm so
Speaker 4: passionate about making sure that they respect how hard it
Speaker 4: is to get money before you just get splash it out.
Speaker 2: I always feel like I get nervous with these type
Speaker 2: of questions. I feel like I got to say the
Speaker 2: right thing, and honestly, I think with the answer to this,
Speaker 2: my son's only three. I don't know, I'm still learning.
Speaker 2: I want him to have everything that I didn't have,
Speaker 2: but then I had everything, you know, Like, I want
Speaker 2: him to understand both sides. But this kid has a
Speaker 2: slide in his bedroom, Builton, Like he's got a like
Speaker 2: this is like a playground slide in his bedroom that
Speaker 2: he wakes up and must be nice. But you know,
Speaker 2: I think, so he has these things, but then at
Speaker 2: the same time as he gets old, I just want
Speaker 2: him to understand the value of money, learn about money.
Speaker 2: But one thing that I do know I will do
Speaker 2: is I'll put them in sport. I don't know if
Speaker 2: that's necessarily the recipe, but I know a lot of
Speaker 2: people who grew up with heaps of money. They didn't
Speaker 2: play sport, and I just look at them like, fure
Speaker 2: you guys, douchebag some of you guys. But the ones
Speaker 2: that did play sport, I don't know what it is
Speaker 2: about them, But I was saying, it's a blanket rule.
Speaker 2: But I can talk to them better. I can have
Speaker 2: easier conversations with them now that they're older and kind
Speaker 2: of when we're grown up as well. So yeah, my
Speaker 2: honest answer, and I don't I don't know, and I'm
Speaker 2: learning on the fly. He guess to the super Michael
Speaker 2: and no shoes on that I keep him humble working.
Speaker 3: Yeah, yeah, I think for me, like my life has
Speaker 3: really changed over the last two and a half years,
Speaker 3: like since being with my partner. I remember the first
Speaker 3: time we're talking about money and she was like, how
Speaker 3: much you buy a lot of uvids? Like we went
Speaker 3: through and I was like thirteen grand one year, Like
Speaker 3: it was just that's crazy, it's great, it was ridiculous,
Speaker 3: Like I was shocking, bro. I was just I was terrible.
Speaker 3: So now I'll often send her most of the paycheck
Speaker 3: because until I can get better and learn She's the
Speaker 3: best steward of money in our relationship. As it as
Speaker 3: it comes to my kids, I feel like growing up,
Speaker 3: I just want them to know that they can create
Speaker 3: any world that yeah, that they choose to. My dad
Speaker 3: was big on life is all about choices, and I
Speaker 3: was just the most boring one liner, like just like
Speaker 3: I was like, yes, I know, bro, I know life.
Speaker 3: And and now as I am an adult and I
Speaker 3: find myself, we've got another one on the way. So
Speaker 3: Congress about thank you. I want them to know, you know,
Speaker 3: when it comes to money, you can you can generate
Speaker 3: any world you want to be in. You have access
Speaker 3: to the most information and it really comes down down
Speaker 3: to the decisions you make. Yeah, you know. And I
Speaker 3: think that's for me, like for my kids also not
Speaker 3: to not to over not to disrespect money, but not
Speaker 3: to over respect it. Like people that have money and
Speaker 3: people that have a lot. There's more than just there's
Speaker 3: more to people. There's more to your life. But I
Speaker 3: want them to have healthy relationships with it. I want
Speaker 3: them to understand I actually want to take that emotion
Speaker 3: out of money in their lives and I want them
Speaker 3: to see the numbers and I want them to know
Speaker 3: what compounding interest is and I want them to. I
Speaker 3: want them to be able to see the long game.
Speaker 3: I think that's like a huge problem with And I
Speaker 3: don't like blanketing like our people because what does that
Speaker 3: even mean? But I do know for a lot of
Speaker 3: our people it's we're so short sighted. And that's for
Speaker 3: varying different amount of reasons that are that are solid
Speaker 3: and that are important. But for me, I want to
Speaker 3: I want to take the emotion out of money. For me,
Speaker 3: I don't want them to feel like I'm on my
Speaker 3: last dollar or I have to have this while I
Speaker 3: have it now, I'm like, no, automate it, have your systems,
Speaker 3: build it over time, and just listen to mom.
Speaker 5: She's going to take us to the promised Man.
Speaker 7: Yeah, it's nice, hey, shifting it up a bit proud
Speaker 7: Day one Shifter and Brookie reference scary going out on
Speaker 7: your own and creating.
Speaker 3: The morning Shift.
Speaker 7: There would have been a big financial decision as well,
Speaker 7: not only for you individually, but you as a collective.
Speaker 3: We coined the term like when we made our first
Speaker 3: river for the Warriors actually, and I was like, this
Speaker 3: is this is spiritual, you know what I mean? And
Speaker 3: as I've reflected on that, like, whatever your belief system
Speaker 3: is as you're listening to this, my personal belief is
Speaker 3: that I really think God's been a part of our
Speaker 3: path when you look at our story, like leaving where
Speaker 3: we came from, getting to where we are now. Don't
Speaker 3: get me wrong, absolute shift Nation, the boys, all of us,
Speaker 3: our team here. We still have to put in the work.
Speaker 3: But I just when I always get that question, like
Speaker 3: do you did you ever think it was going to
Speaker 3: be what it is?
Speaker 6: For me?
Speaker 3: Honest, I did kind of feel I did kind of
Speaker 3: think we could get here, and you know, there's some
Speaker 3: momay back there. The real story is like there's there's
Speaker 3: heaps of pain from where we came from. But the
Speaker 3: other side to that is that it had to happen.
Speaker 3: It had to happen like that what we're doing now,
Speaker 3: and it feels like all roads have led to this,
Speaker 3: and to be able to do it as brothers, as friends,
Speaker 3: like real friends, you know, like we really in each
Speaker 3: other's lives like that, it is just a huge blessing.
Speaker 4: I remember a moment in my lounge when we were
Speaker 4: sitting in there and we were at Jordan's pool, like
Speaker 4: just took the oxygen out of the room by saying, look,
Speaker 4: if we take this journey with an open heart and
Speaker 4: a good heart, you know, and we do this with
Speaker 4: good intention, we can't go wrong. And I would hope
Speaker 4: nobody's had that same conversation and failed.
Speaker 3: And I just want to say that we are an
Speaker 3: entertaining platform. But like, if you're listening to this, we
Speaker 3: don't say it enough. But we've had to bite down
Speaker 3: on our mouthguard this whole journey and swing and swing
Speaker 3: at it constantly and work our asses off and be
Speaker 3: frustrated and be hurt. And we definitely do a good job.
Speaker 3: But just like let's boosh. But I'm just a firm
Speaker 3: believer of like if our heart's in the right place
Speaker 3: and we have good intentions, like who cares, who cares
Speaker 3: what doesn't go through and what doesn't, Like let's until
Speaker 3: we get that we literally have no money, like we
Speaker 3: can tend the Microsoft. I just always believe something good's
Speaker 3: gonna come. And so you know, when this relationship came
Speaker 3: across the table, it was actually something that I actually
Speaker 3: thought back, this is what we were trying to do
Speaker 3: in our old industry. We were always trying to have
Speaker 3: aspirational messaging. We were always trying to think about how
Speaker 3: can we actually help people, how can we have you know,
Speaker 3: these types of conversations that can actually propel people forward
Speaker 3: if they choose that's what they want, if they want
Speaker 3: to lock in. So this is the Cheersas and Morning
Speaker 3: Shift what we got going on here. It's a real
Speaker 3: proud moment for us a Mark and Brook and I
Speaker 3: think there's a real collective feeling at the moment of like,
Speaker 3: you know, what I've done the short term thing. I
Speaker 3: want to see something better for myself in the next
Speaker 3: five to ten years. I want to build, I want
Speaker 3: to lock and I want to give my environment right,
Speaker 3: and then this is a money conversation, but all those
Speaker 3: other decisions a play out become life decisions.
Speaker 4: So it's always it's always felt a little bit exclusive,
Speaker 4: the idea of investing, in the idea of wealth. It's
Speaker 4: always felt like an exclusive club that belongs to those
Speaker 4: who went to Harvard and it was and learned markets.
Speaker 4: So for and I mean, we've had the opportunity to
Speaker 4: explore some of the things that Cheesy's offered, right, And
Speaker 4: it isn't about exclusivity. It's about you know, it's about
Speaker 4: fun and wealth. It's about it's about building wealth for
Speaker 4: the everyday people.
Speaker 3: Love it, love it.
Speaker 7: Yeah, just pulling on that, like Cheesy's access to create
Speaker 7: financial empowerment for everyone. And we want to be at
Speaker 7: the heart of wealth. And so really excited for what
Speaker 7: twenty twenty five brings and the relationship and the partnership
Speaker 7: going forward. And if you do want to hear more
Speaker 7: about that far, no, just so subscribe to the Morning Shift,
Speaker 7: keep an air out, and keep an eye out for
Speaker 7: the podcasts that are coming out. I really respect your
Speaker 7: time and making that available for us to break bread
Speaker 7: in this conversation.
Speaker 2: So it mean for us too, because I hope we
Speaker 2: don't know up much about money as well. So as
Speaker 2: we're going on this jutniey, hopefully we learn together. We're
Speaker 2: learning together.
Speaker 3: So all I want is for hopefully hundreds, put us
Speaker 3: a thousand people there sign up or whatever. I just
Speaker 3: want them to say. Man, I remember in jan I'm
Speaker 3: in December now. I don't even recognize myself. I don't
Speaker 3: even recognize the habits that I used.
Speaker 2: To have and where I can get to.
Speaker 3: I can see a better future for my father. I
Speaker 3: have a plan. We're moving forward. Like I'm excited about that.
Speaker 6: More than Money is a series about the wealth choices
Speaker 6: that change us as shares Is grows. We want to
Speaker 6: be able to provide a space for shared experience that
Speaker 6: can benefit everyone who wants to grow their wealth, whatever
Speaker 6: path it takes. Now, you can do more to build
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