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Speaker 1: What's up, everybody. Welcome to the Financial Hairsey Podcast, where

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Speaker 1: we talk about how money works so that you can

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Speaker 1: make more, keep more, and give more. Today's episode is

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Speaker 1: going to be a very different episode than you are

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Speaker 1: used to. I sat down with my buddy, the Economic Ninja,

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Speaker 1: and we started to record this podcast episode together, and

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Speaker 1: he just said, wait, hold on, let's just start over

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Speaker 1: and just talk like friends. Because we typically talk about

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Speaker 1: things that we feel are very beneficial and helpful to

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Speaker 1: us in our conversation with talking about business and investing

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Speaker 1: and economics, and so we just wanted to share this

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Speaker 1: frank and honest conversation between us as a podcast episode,

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Speaker 1: as opposed to doing something that we've done before. Everybody

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Speaker 1: has heard on both of our channels, you know, the

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Speaker 1: stuff that we've talked about more professionally, the stuff that

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Speaker 1: we prepared, this stuff that we've you know, he's been

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Speaker 1: on my YouTube channel before, I've been on his YouTube

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Speaker 1: channel before, and so this is more of a conversation

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Speaker 1: that we wanted to share with you just between us.

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Speaker 1: It's a little bit more vulnerable, a little bit less polished,

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Speaker 1: and less of a produced feel. You'll notice the audio

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Speaker 1: is different. It's a lot less. The quality is a

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Speaker 1: lot lower than the audio normally is as well, and

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Speaker 1: so I hope you like it. There are a lot

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Speaker 1: of hidden gems, a lot of nuggets. We talk about business,

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Speaker 1: we talk about life, a lot of the struggles that

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Speaker 1: go through with you know, go along with making money

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Speaker 1: during hard times, and how to make the tough choices

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Speaker 1: when you have when you have two choices in front

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Speaker 1: of you that are both difficult options, neither one is easy.

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Speaker 1: And so we share stories with each other, ask each

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Speaker 1: other questions, and there's a lot of really great nuggets

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Speaker 1: in there. I know you'll enjoy it. Today, I've got

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Speaker 1: my friend the economic in the house with me and

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Speaker 1: we're going to be talking about those three things, making more,

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Speaker 1: keeping more, and giving more. I like that those are

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Speaker 1: three great topics. Yeah, so I'd like to dive into

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Speaker 1: because I think a lot of people don't know your story,

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Speaker 1: and stories are important because they give credibility. And there

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Speaker 1: are you know, obviously, we know a lot of people

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Speaker 1: out there that are talking about things that they actually

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Speaker 1: don't know about, that they haven't actually done. There, you know,

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Speaker 1: out there trying to just sell something. And so what's

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Speaker 1: your story? Because you have been wealthy for a long time,

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Speaker 1: and before you ever, before anybody ever knew your name. Yeah,

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Speaker 1: so it's a long, a long answer. I guess do

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Speaker 1: you want me to start at sixth grade when my

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Speaker 1: first side hustle, or do we talk about when I

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Speaker 1: made my first million. Let's let's go quickly through your

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Speaker 1: early story and then slower start water first side hustle.

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Speaker 1: In sixth grade selling candy, I found lots of money. Literally,

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Speaker 1: nineteen eighty five, I'm making forty dollars a day selling candy,

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Speaker 1: and it was incredible. Setting is you know? It cost

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Speaker 1: me money in insurance deductibles on cavities, but I was hooked.

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Speaker 1: I learned how to buy candy at the store, I

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Speaker 1: sold it for more. Then I went to like wholesale

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Speaker 1: places and I started selling it for even more. And

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Speaker 1: then I got into multiple side hustles. I started auto

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Speaker 1: detailing business before I was even able to drive. I

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Speaker 1: would make all the neighbors bring their cars, pull their

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Speaker 1: cars into my parents drive away, and I'd wash their cars,

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Speaker 1: babysitting things like that, and I always had the ability

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Speaker 1: to flip money. Then I got into college, became a firefighter,

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Speaker 1: and it wasn't until I was married and my wife

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Speaker 1: at the time, well at the time, we're still married,

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Speaker 1: but she was coming home to This is the funny story.

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Speaker 1: My wife was very professional, worked as a manager. Everywhere

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Speaker 1: she went. Head hunters were always looking to take her

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Speaker 1: from her company, and she was always transferring, making more

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Speaker 1: and more money. I was working as a waiter and

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Speaker 1: a reserve firefighter when we were married, and she would

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Speaker 1: come home to me at two o'clock building airplane models

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Speaker 1: on the watching TV and building models, and she would

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Speaker 1: get so angry at me because the place is a

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Speaker 1: mess and I'm just building models because my shift didn't

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Speaker 1: start till four o'clock at night, and I worked four

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Speaker 1: hours a night. But I worked at one of the

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Speaker 1: nicest restaurants and I in town, and I would make

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Speaker 1: equivalent to fifty dollars an hour. Right, So my wife

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Speaker 1: is busting her butt at the time for eighteen dollars

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Speaker 1: an hour. I'm making fifty dollars an hour. I'm working

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Speaker 1: way less than half the time she is, because I'm

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Speaker 1: not even working five days a week. I'm working four

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Speaker 1: and I'm sitting at home building models, you know, and

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Speaker 1: I'm reserved. I'm a firefighter, you know, working reserve shifts.

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Speaker 1: She gets so angry and she's getting a little concern

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Speaker 1: because she thinks I was gonna be super lazy. And

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Speaker 1: she's like, oh my gosh, you'd not married because she

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Speaker 1: had her she had her choice of the flock. Let's

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Speaker 1: put it that way. But I was always that type

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Speaker 1: of person that would choose to do something with my time.

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Speaker 1: It had to be worth a lot of money. If so,

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Speaker 1: if I was going to work a job, it better

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Speaker 1: be for a lot of money. And so I always

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Speaker 1: chose those jobs that made more money per hour, and

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Speaker 1: i'd work less hours. When I had my first child,

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Speaker 1: I totally changed that. Now I was a full time firefighter.

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Speaker 1: At that time, I was working three days a week,

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Speaker 1: seventy two our shifts. I actually lived at the fire station,

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Speaker 1: and I still do. But what happened was I went

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Speaker 1: into overdrive and I took side hustles into side businesses

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Speaker 1: and started crushing it. And I was working six, seven

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Speaker 1: days a week. So and at that time, still at

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Speaker 1: any moment, I was making the most per dollar that

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Speaker 1: I could make, and if if there is a better

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Speaker 1: opportunity somewhere else, I would pivot fast. So that was

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Speaker 1: something that my wife then went from I'm afraid that

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Speaker 1: I've married a deadbeat that's gonna build models all day long.

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Speaker 1: And I would always say, I make more money money

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Speaker 1: than you. She goes, it's not about the money, and

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Speaker 1: I said, yes, it is. It's about the money. She goes, No,

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Speaker 1: it's it's about being busy. Well, I didn't realize it

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Speaker 1: back then, but that was a poverty mindset. I was

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Speaker 1: more of a wealthy mindset. So um. Then we went

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Speaker 1: into my wife saying, your workcoholic, you work too much,

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Speaker 1: and I go, but we go on vacations every month,

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Speaker 1: So that's not the point. I go. But I like,

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Speaker 1: right now, I'm making tons of money and we're all

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Speaker 1: sitting here refurbishing a house while our one year old

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Speaker 1: is sitting in the playpen in the living room, while

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Speaker 1: we're both working and we're killing it. We're making like

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Speaker 1: twenty thirty thousand dollars a month back in the early

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Speaker 1: two thousands. So that's not the point, I go. Well,

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Speaker 1: I thought that was the point. So my whole life

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Speaker 1: from junior high even throughout and until I started the

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Speaker 1: YouTube channel, that changed everything with the way people perceived me.

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Speaker 1: Everyone I knew, but before that everyone thought of me

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Speaker 1: as miserly, cheap, thrifty, or nuts. Now that's all changed.

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Speaker 1: So there are a couple of big events in terms

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Speaker 1: of like advancing your net worth. One of those was

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Speaker 1: the financial crisis. Were you exited real estate before everything crashed? Well, actually,

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Speaker 1: let's step back. The big one was I moved my

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Speaker 1: small retirement at the time from the index funds in

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Speaker 1: the bonds before the dot com bust. Okay, yeah, I

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Speaker 1: lost a bunch of money in dot com and speculative

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Speaker 1: stocks at JD Sina face, He's like Cisco things like that,

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Speaker 1: But I actually preserve my purchasing power. I moved into bonds,

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Speaker 1: and then what happens. I didn't buy my first house

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Speaker 1: until I started seeing the follow Reserve enact those lower

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Speaker 1: rates to try and combat the deflation, and people, you know,

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Speaker 1: they stopped their spending. So I'm like, oh my gosh.

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Speaker 1: As mortgage ers were collapsing, I'm like, I didn't even

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Speaker 1: own a house. I'm like, it's time to buy a house.

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Speaker 1: So we went from renters to owners. Within six months,

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Speaker 1: I owned my first rental. After that, I was at

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Speaker 1: one point we were buying a new place to flip

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Speaker 1: or to hold every six weeks, just me and my wife.

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Speaker 1: So yeah, and yes I did exit in two thousand

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Speaker 1: and six because I was following Michael Bury in real time.

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Speaker 1: I was also following the Wolf of Wall Street in

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Speaker 1: real time when he was doing his thing in the nineties.

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Speaker 1: So people don't understand that when you follow the renegades,

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Speaker 1: the ones that are going against the flow, they're always

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Speaker 1: the ones that are right, but the problem is not

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Speaker 1: right at the time you want them to be right.

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Speaker 1: But when you follow the renegades that are doing the opposite,

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Speaker 1: they're always going to be right because that cycle is

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Speaker 1: always going to turn. So yes, the first million came

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Speaker 1: in net worth, not in liquid funds, right, Sure, I

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Speaker 1: could have I had multiple credit lines, I could have

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Speaker 1: accessed like two three hundred thousand bucks at a time,

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Speaker 1: but it wasn't. My million dollars came in net Worth,

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Speaker 1: and so that was really cool. Now did I hold

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Speaker 1: onto it, No, because of relationship issues. Honestly, we went through, Hey,

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Speaker 1: you're going to have dinner with some of your idols,

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Speaker 1: including Donald Trump if everything goes right tonight, and I

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Speaker 1: call my wife and I gotta stay in Rancisco more night,

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Speaker 1: and she goes, I don't want to be famous, how

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Speaker 1: I want to be rich? Come home or we're done.

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Speaker 1: And so I had to make a choice. So when

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Speaker 1: from being a millionaire to living in a track house

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Speaker 1: and just doing side hustles and making like two hundred

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Speaker 1: thousand dollars a year, So my net worth decreased, but

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Speaker 1: our level of life increased, if that makes sense, or

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Speaker 1: relationships things like that. There's a there's a quote by

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Speaker 1: Neval Rabbi Kant which echoes a quote by Ray Dalio

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Speaker 1: basically says, in order to make money investing, you have

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Speaker 1: to be right, and you have to be early. And

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Speaker 1: in order to be early, you can't wait for the

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Speaker 1: consensus to catch up, because once it's caught up, you're

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Speaker 1: no longer early. And Ray Dalio says, in order to

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Speaker 1: make money investing, you have to bet against the consensus

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Speaker 1: and be right. So that goes to what you're talking

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Speaker 1: about about following these renegades and things. It's like, well,

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Speaker 1: in order to be right and make money doing that,

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Speaker 1: you're gonna look like a fool for at least a

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Speaker 1: short period of time, because that's the definition of being early.

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Speaker 1: They're going against the crowd. And then I'd also like

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Speaker 1: to make a note about what you said about like

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Speaker 1: your relationship. In my there are many different reasons why

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Speaker 1: making more money, in my opinion, is a very good thing. Yeah,

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Speaker 1: but there are times when making more money comes by

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Speaker 1: sacrificing the things that are even better, such as like relationship. Okay,

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Speaker 1: So like okay, let me give you like a personal

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Speaker 1: example to explain what I mean by this. My when

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Speaker 1: I was when I quit my job, I was a stockbroker.

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Speaker 1: I quit because every morning I woke up miserable. At

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Speaker 1: that point, I was making more money than we had

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Speaker 1: ever made before that it was, you know, somewhere in

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Speaker 1: the realm of you know, twenty to forty a month. Yeah,

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Speaker 1: it was a sales position, cold calling, dialing two hundred

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Speaker 1: calls a day. I was miserable. I hated it, and

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Speaker 1: I couldn't help but bring that home, and it was

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Speaker 1: negatively impacting my family life. And I was like, you

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Speaker 1: know what, I don't want to keep doing this. I

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Speaker 1: don't like what I'm doing. I've always wanted to start

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Speaker 1: my own business. So I quit and launched Charisse Financial,

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Speaker 1: and for the first year and a half made literally

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Speaker 1: zero dollars negative cash flow for a year and a half. Yeah,

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Speaker 1: and it was the level of like relationship growth and

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Speaker 1: family enjoyment and like blessings that were a result of that.

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Speaker 1: We're unparalleled compared to what like, Yeah, I sacrifice two

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Speaker 1: hund fifty thousand dollars a year, like fine, but that

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Speaker 1: was nothing in comparison to what we gained. And then ultimately,

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Speaker 1: long term, you actually make more money going the other way, right,

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Speaker 1: let's talk about but let's talk about that. Yeah, And

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Speaker 1: I'm actually going to destroy your paradigm right now, and

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Speaker 1: I got I'm feeling something I want to do. You

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Speaker 1: and I have been YouTubers for a couple of years

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Speaker 1: now right two or three. They're stress involved. Yeah, you

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Speaker 1: and I are doing this podcast, and we're navigating the

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Speaker 1: waters where you and I are always navigating. Like you said,

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Speaker 1: you navigated your brokerage job, you're making killer money. Now

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Speaker 1: you're navigating this. We're always trying to find that next edge,

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Speaker 1: that next new thing. But like just now we're sitting

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Speaker 1: on this podcast and I have this angst. Right we're

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Speaker 1: not even in front of a camera right now, and

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Speaker 1: I feel angst, And I don't think you do, but

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Speaker 1: I'm gonna throw out an idea, and don't you don't

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Speaker 1: need to keep this or not. You can keep this

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Speaker 1: or at this. We're not talking like you and I

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Speaker 1: talk off camera. I don't feel it. So this is

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Speaker 1: what I want to do. Check this out. Wait, hold on,

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Speaker 1: hold on, let me just keep this, keep us run

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Speaker 1: and check this out. Ask me the emotional side of

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Speaker 1: what I'm going through right now, and then I'm gonna

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Speaker 1: ask you some questions. I'm just curious. We're just nobody's

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Speaker 1: watching this, right I know, I know you're looking at me.

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Speaker 1: This is why I'm gonna explain this. We talk so differently.

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Speaker 1: My count phone's vibrating. Sorry that my phone. Guys, we

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Speaker 1: talk so differently, and right now, like right now as

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Speaker 1: I'm saying this, my body's loosening up. Art. My life

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Speaker 1: has been amazing last two years, as yours. Yeah, it's

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Speaker 1: been exciting. You did something that blew my mind when

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Speaker 1: you explain to me what it was like to leave

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Speaker 1: your brokerage. I mean, you had money, but you weren't

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Speaker 1: living the life you wanted to live, and then you

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Speaker 1: let go, and quite frankly, it scares the piss out

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Speaker 1: of me because I'm dealing with that right now with

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Speaker 1: my firefighting job, and it's really hard to let go.

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Speaker 1: I'm want five months leave without pay. I was to

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Speaker 1: try and make this really big, right, and I it's

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Speaker 1: this crazy paradigm. There's so many people watching your channel

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Speaker 1: watching mine, And the reason why I know they watched

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Speaker 1: mine is because I'm just a normal dude, right, I'm

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Speaker 1: just normal. I have the exact same emotions that you have,

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Speaker 1: but I put them out a different way. I look

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Speaker 1: up to you because you had the ability to walk

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Speaker 1: away from my two hundred and fifty thousand lard job.

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Speaker 1: I'm scared right now. I'm very blessed. If people knew

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Speaker 1: what my businesses make and they knew what my firefighter

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Speaker 1: pay was, they'd say I'm nuts. My firefighters say that.

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Speaker 1: But I'm always looking for that security, right because the

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Speaker 1: fatherly part of me wants the security for my children

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Speaker 1: or my wife. I never want to look back at

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Speaker 1: my wife and got we didn't make our nut this

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Speaker 1: week or this month, and we're gonna have hard time

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Speaker 1: paying our bills, right, always trying to store away stuff

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Speaker 1: like a squirrel. Yeah, I totally look up to you

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Speaker 1: for doing that. I cannot say that enough. And I'm

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Speaker 1: always looking for a way to help people, and I

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Speaker 1: know you are too. It goes with what you were

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Speaker 1: saying in the beginning, right, three different ways of changing

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Speaker 1: our life essentially? What are those three ways? Make make

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Speaker 1: more money, keep more money, and give more money? And

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Speaker 1: there's no way you can give more money without the

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Speaker 1: first two. Yeah, what is your biggest dream that you

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Speaker 1: want to accomplish right now? And I'm not trying to interview,

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Speaker 1: but we've talked about this and it's super important. I

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Speaker 1: just want to hear it again. Yeah, what's your biggest dream?

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Speaker 1: What do you want to accomplish my my biggest dream?

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Speaker 1: You're talking about the debt forgiveness? Yeah yeah, okay, so, um,

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Speaker 1: the my goal. I don't have a time frame on

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Speaker 1: this yet, but my my vision is to forgive a

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Speaker 1: billion dollars in debt. Man. So this is this is

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Speaker 1: something that I've never talked about this publicly, only in

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Speaker 1: private before because we don't even know if you're going

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Speaker 1: to post this. So it's okay, we'll see, let's talk

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Speaker 1: about I want to talk about it, all right, So

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Speaker 1: because we have talked about this before on the phone, Yeah, yeah,

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Speaker 1: We've talked about this, and this is something that I'm

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Speaker 1: trying to set up. Yeah, And well, no, I've set

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Speaker 1: it up. I'm just trying to get this thing rolling.

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Speaker 1: There are I truly believe that debt is slavery. Perhaps

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Speaker 1: there are a lot of other people out there that

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Speaker 1: are trojan horsing that message about debt being slavery, but

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Speaker 1: I think that I think that that is true. If

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Speaker 1: you look at the most ancient wisdom about money, the

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Speaker 1: number one thing that comes up throughout time is don't

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Speaker 1: be a slave to debt. And it really is a

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Speaker 1: form of slavery. And so it comes from experience because

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Speaker 1: I've been there. When my wife and I got married,

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Speaker 1: we had thirty thousand dollars in debt and it wasn't

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Speaker 1: credit card debt, it was student loans. But I was

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Speaker 1: literally making less than minimum wage because I was working

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Speaker 1: at a nonprofit organization where I had to raise my

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Speaker 1: own salary and I couldn't raise enough. So I was

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Speaker 1: making like two dollars and fifteen cents an hour. Yeah,

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Speaker 1: and I still agree to marry me. And you got

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Speaker 1: to run out and earn more money and get more donations. Yeah,

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Speaker 1: you have to, like call up your friends and family,

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Speaker 1: and it's not even like it's it's worse than a

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Speaker 1: pyramid scheme because a pyramid scheme is like, hey, I've

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Speaker 1: got a way for you to make money, come join

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Speaker 1: under me. But like when you're raising your own salary,

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Speaker 1: it's like, hey, can you give me some of your

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Speaker 1: money or you like a missionary it was yeah, for

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Speaker 1: like a nonprofit organization like that. So um So that

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Speaker 1: was the situation I was in when I got married.

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Speaker 1: My wife was making like, I don't know, probably like

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Speaker 1: thirteen dollars an hour. I thought she was rich when

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Speaker 1: we got married, and so we had to turn hot

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Speaker 1: right exactly, Yeah, that's married up in both I swear

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Speaker 1: you married me over with my looks, I'm like, that's

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Speaker 1: I'm true. Yeah. Also for your money, yeah, and your money.

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Speaker 1: They hate that. So uh when we got I realized

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Speaker 1: once we got married the kind of the hole that

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Speaker 1: we were in, and so I was like, I just

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Speaker 1: have to get like a real job. So I got

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Speaker 1: a job at Amazon and made it was like nineteen

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Speaker 1: or twenty bucks an hour, and it was like unbelievable

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Speaker 1: money to me. At the time. I thought like I

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Speaker 1: was you know, I'd finally, you know, gotten, I'd got

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Speaker 1: a lottery ticket, and so we shuffled away. Our rent

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Speaker 1: was six hundred fifty dollars a month. We lived in

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Speaker 1: an area. When we moved in, there was a kid

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Speaker 1: driving through the parking lot on a tricycle with a

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Speaker 1: skull painted on his face. Like we lived in a

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Speaker 1: gang area. Like it was. It was dangerous, but it

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Speaker 1: was cheap, and we ate rice and beans. We shopped

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Speaker 1: at Windco like we went like we were both on

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Speaker 1: night shift because my job at Amazon was night shift,

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Speaker 1: and so like it was. It was just it was

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Speaker 1: like a trial by fire period where we got out

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Speaker 1: of debt in nine months. We paid like seventeen hundred

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Speaker 1: dollars a month towards getting out of debt, and because

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Speaker 1: of that experience, it was it was like we finally

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Speaker 1: I realized, Hey, this like personal finance, money management investing

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Speaker 1: thing is like what I really want to do and

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Speaker 1: I want to get into. And I wish I could

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Speaker 1: say that was the last time I was ever in debt.

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Speaker 1: Since then, there was a period of time where I

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Speaker 1: was I had credit cards one hundred grand and credit

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Speaker 1: card debt. Wait, let me let me ask you a question.

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Speaker 1: Did that hundred grand and credit card debt happen after

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Speaker 1: you made that big job? Yep, okay, and I and

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Speaker 1: let me ask you this. It's it's it's weird paradigm.

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Speaker 1: People like, all of a sudden make more money and

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Speaker 1: then they're they're not dreams, but they're once their desires increase. Yeah,

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Speaker 1: because it's so much easier to get that fancy car

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Speaker 1: or show or it's almost did you ever feel like

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Speaker 1: you had to show off in front of your your

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Speaker 1: co workers? So or at least level of this, it's

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Speaker 1: going to be a very, very different than that. I

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Speaker 1: my co workers sitting next to me drove like a

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Speaker 1: Nissan GTR and had like you know, Rolex watches and

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Speaker 1: like they were I had a box. Yeah, yeah, I'll

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Speaker 1: tell you that. So I had my co workers all,

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Speaker 1: you know, they they spent their money. But I was

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Speaker 1: in the mindset of, like, I wanted to to create

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Speaker 1: long term off. I basically I wanted to get to

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Speaker 1: the point where I could quit my job. That was it.

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Speaker 1: So that was my focus. And when I did finally

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Speaker 1: quit my job, that's when I grabbed the Like, literally

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Speaker 1: within one day, I applied for ten different credit cards. Yeah,

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Speaker 1: that were all zero percent for the twelve to eighteen months. Yeah,

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Speaker 1: and you cranked it out. I bought gold with all

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Speaker 1: of them. Whoa. And then I transferred that into an

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Speaker 1: account side cash. Right. You did tell me the story.

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Speaker 1: I forgot about that. So oh yes, So this was

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Speaker 1: like the Joe Brownie. Yeah, it was one of them. Actually,

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Speaker 1: I didn't know this was a bad idea. I had

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Speaker 1: a website, had no idea. I had a website where

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Speaker 1: I was selling consulting, and I used my credit card

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Speaker 1: to buy consulting from myself so that I could get

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Speaker 1: money into my business bank account. Okay, it's like sending

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Speaker 1: yourself any voice. Okay. American Express calls me and they're like,

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Speaker 1: is this your business yourself? They thought I was like

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Speaker 1: money laundering and stuff. I almost got shut down. I

390
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Speaker 1: was scared that the I R S Is going to

391
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Speaker 1: come after me. You're raped and village yourself. Okay. Yeah,

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Speaker 1: And so basically it was just like I need to

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Speaker 1: get these I need to get as much free money

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Speaker 1: as possible right now so I can last as long

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Speaker 1: as I need to to be able to build a

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Speaker 1: business that that will last long term. Oh okay, and

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Speaker 1: So that was why I did this with the credit cards.

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Speaker 1: And I was like, I also thought gold was going

399
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Speaker 1: to go up, which I was right because when I

400
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Speaker 1: was buying gold, it was like thirteen hundred dollars or

401
00:21:28,200 --> 00:21:33,560
Speaker 1: fourteen hundred dollars right exactly, Yeah, right before twenty nineteen

402
00:21:33,560 --> 00:21:36,440
Speaker 1: when it start to spike. Yeah, And so that that

403
00:21:36,480 --> 00:21:38,520
Speaker 1: was the idea is, hey, I need to make sure

404
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Speaker 1: that I can have a long enough runway to be

405
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Speaker 1: able to make this business self sustaining. Yeah, it was

406
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Speaker 1: a huge risk. I would never recommend it to anybody

407
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Speaker 1: that literally, like, I've never the sleepless nights trying to

408
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Speaker 1: go to sleep at night when you know I've got

409
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Speaker 1: one hundred grand in credit card dead dude, and my

410
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Speaker 1: minimum payments are going to go from three hundred dollars

411
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Speaker 1: to three thousand dollars in nine months. Let me ask

412
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Speaker 1: you this. You ever had that feeling You're you're in bed,

413
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Speaker 1: your wife's next to you, and she leans over and

414
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Speaker 1: sort of hugs you or puts her arm around you

415
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Speaker 1: in good night honey, and all you're thinking about it's

416
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Speaker 1: like the second she touched she's like, that's all you

417
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Speaker 1: think about is the money? Yeah, yeah, you're not thinking

418
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Speaker 1: of You're not in the moment, right, Oh, yeah, I know.

419
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Speaker 1: That's like the hardest part actually is like, so a

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Speaker 1: lot of people when I if I've shared the story

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Speaker 1: in private or in person with anybody, because I've never

422
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Speaker 1: shared it publicly. When they hear this, they the first

423
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Speaker 1: question is always like, what did your wife think? So

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Speaker 1: We've got two kids, like at the time they were

425
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Speaker 1: you know, like three in two or something, and so

426
00:22:38,640 --> 00:22:41,359
Speaker 1: I quit my job, load up on credit card debt

427
00:22:41,400 --> 00:22:43,600
Speaker 1: to get this, you know, the cash influx that I need,

428
00:22:43,640 --> 00:22:46,919
Speaker 1: and then like start making podcasts and YouTube videos and

429
00:22:47,000 --> 00:22:49,400
Speaker 1: writing books and all, you know, trying all stuff. Yeah

430
00:22:49,440 --> 00:22:51,800
Speaker 1: before we met. Yeah, and they're like, what did your

431
00:22:51,800 --> 00:22:55,600
Speaker 1: wife think? Like? And that's like I always say that

432
00:22:55,640 --> 00:22:58,280
Speaker 1: the number one thing to be able to achieve financial

433
00:22:58,280 --> 00:23:02,159
Speaker 1: success is marrying the right person because if I know

434
00:23:02,240 --> 00:23:05,080
Speaker 1: all my friends and I know their wives, and they

435
00:23:05,080 --> 00:23:06,960
Speaker 1: would have never been able to convince their wives to

436
00:23:07,040 --> 00:23:09,520
Speaker 1: let them do this. Meanwhile, I was miserable, and every

437
00:23:09,560 --> 00:23:12,680
Speaker 1: day my wife told me to quit and like she's

438
00:23:12,760 --> 00:23:16,399
Speaker 1: never worried about money a day in her life, like like,

439
00:23:16,760 --> 00:23:18,880
Speaker 1: and so that does increase the responsibility and the burden

440
00:23:18,880 --> 00:23:20,520
Speaker 1: that I feel because I'm like, I know it's all

441
00:23:20,520 --> 00:23:22,560
Speaker 1: in me, but I'm okay with that. I would rather

442
00:23:22,600 --> 00:23:24,240
Speaker 1: have it that way than have her feel like she

443
00:23:24,240 --> 00:23:27,560
Speaker 1: had to share that burden and like um and be

444
00:23:27,640 --> 00:23:29,760
Speaker 1: concerned about that. But she's got a lot of trust

445
00:23:29,800 --> 00:23:32,680
Speaker 1: and faith in me and like knows that when push

446
00:23:32,720 --> 00:23:35,399
Speaker 1: comes to shove, I'll make it happen. Yeah, and I

447
00:23:35,720 --> 00:23:40,040
Speaker 1: have proven that. But but yeah, that's I'm so thankful

448
00:23:40,119 --> 00:23:42,080
Speaker 1: for her because of that, because I would have never

449
00:23:42,160 --> 00:23:43,520
Speaker 1: we would have never been able to get into this

450
00:23:43,560 --> 00:23:46,080
Speaker 1: position that we're in now if if she wouldn't have

451
00:23:46,080 --> 00:23:48,240
Speaker 1: been They're supporting me all along the way and just

452
00:23:48,359 --> 00:23:52,399
Speaker 1: you know, saying, yeah, let's do this. Yeah, ask me

453
00:23:52,480 --> 00:23:56,520
Speaker 1: anything you want, what like like, don't eat, don't this

454
00:23:56,600 --> 00:24:02,080
Speaker 1: isn't this isn't the podcast what you and I met

455
00:24:02,160 --> 00:24:05,679
Speaker 1: in Miami, and I remember you you asked me a question.

456
00:24:05,760 --> 00:24:07,800
Speaker 1: We're at a table in a bar, not a bar,

457
00:24:07,880 --> 00:24:09,679
Speaker 1: but you know the hotel bar. This is where everybody

458
00:24:09,720 --> 00:24:12,760
Speaker 1: is spilling over from this conference, and the big speakers

459
00:24:12,760 --> 00:24:15,119
Speaker 1: were cruising around talking and chatting, and you saw me

460
00:24:15,160 --> 00:24:16,560
Speaker 1: speak with a couple of them, and you walked up

461
00:24:16,600 --> 00:24:18,840
Speaker 1: to me and you asked me a question. He said,

462
00:24:18,880 --> 00:24:20,920
Speaker 1: why do people treat you different? It was a little

463
00:24:20,960 --> 00:24:24,360
Speaker 1: different frame right, And we were talking because you were

464
00:24:24,359 --> 00:24:26,800
Speaker 1: watching me all week. You said, I've been watching you,

465
00:24:27,320 --> 00:24:29,720
Speaker 1: and you said, I want to work with you. I

466
00:24:29,720 --> 00:24:31,320
Speaker 1: want to get to know you, like you made a

467
00:24:31,400 --> 00:24:34,119
Speaker 1: conscious decision to want to get to know me. Do

468
00:24:34,119 --> 00:24:36,800
Speaker 1: you remember that conversation we're in that bar in I

469
00:24:36,800 --> 00:24:41,440
Speaker 1: don't remember when Miami and when we were sitting down

470
00:24:41,520 --> 00:24:43,400
Speaker 1: that lest with m Yeah, I came by and said,

471
00:24:43,440 --> 00:24:45,960
Speaker 1: don't trust this guy. A guy said, pointed to me

472
00:24:46,119 --> 00:24:48,760
Speaker 1: and said, don't trust this guy. And he walks away,

473
00:24:49,160 --> 00:24:51,320
Speaker 1: and he said, why do they act like that on you?

474
00:24:51,359 --> 00:24:54,560
Speaker 1: And I gave my answer, and he said, I've been

475
00:24:54,600 --> 00:24:56,320
Speaker 1: watching you and I want to get to know you,

476
00:24:56,359 --> 00:24:58,840
Speaker 1: like you made a conscious decision to like want to

477
00:24:58,880 --> 00:25:01,280
Speaker 1: be I guess my friend at that point. I don't know.

478
00:25:01,400 --> 00:25:03,280
Speaker 1: I don't know if you even knew you remember that conversation.

479
00:25:05,800 --> 00:25:08,879
Speaker 1: I don't remember the details of the conversation. What I

480
00:25:08,960 --> 00:25:14,760
Speaker 1: do remember of the conversation was basically like like like what,

481
00:25:15,160 --> 00:25:18,680
Speaker 1: I don't know, like you're yeah, I was different. Yeah,

482
00:25:18,680 --> 00:25:20,920
Speaker 1: it was different. It was it was literally just like like,

483
00:25:21,280 --> 00:25:24,040
Speaker 1: we're a couple of YouTubers. Yeah, we're totally opposite. I

484
00:25:24,080 --> 00:25:26,200
Speaker 1: like you, let's be friends. Yeah yeah, it's like it's

485
00:25:26,200 --> 00:25:29,639
Speaker 1: like integrads, like yeah, your friends. But it was super cool, right,

486
00:25:29,880 --> 00:25:32,480
Speaker 1: we're totally different. But you and I got into not

487
00:25:32,560 --> 00:25:36,240
Speaker 1: a debate, a discussion outside of the doors of this conference.

488
00:25:36,560 --> 00:25:39,240
Speaker 1: You and I were not speaking at this conference. Yeah, yeah,

489
00:25:39,240 --> 00:25:42,440
Speaker 1: we a crowd formed around us. Yeah, I wish a

490
00:25:42,520 --> 00:25:44,440
Speaker 1: camera was there. As a matter of fact, Chris Taylor's there,

491
00:25:44,480 --> 00:25:46,200
Speaker 1: like he started filming it or he said, I'm like,

492
00:25:46,200 --> 00:25:47,920
Speaker 1: oh my gosh, we strut of gotten roll in film.

493
00:25:47,960 --> 00:25:51,159
Speaker 1: I've run into people since then at different conferences that

494
00:25:51,280 --> 00:25:54,159
Speaker 1: remember that saw that they were there, that were in

495
00:25:54,760 --> 00:25:56,840
Speaker 1: that remember it and say remember when this happened. That

496
00:25:56,880 --> 00:25:58,920
Speaker 1: was cool. So you've literally got the spillover you and

497
00:25:59,040 --> 00:26:02,000
Speaker 1: me to start talking in debating in a circle forms.

498
00:26:02,119 --> 00:26:05,160
Speaker 1: This is before that conversation. Later that it's like, You're like, dude,

499
00:26:05,160 --> 00:26:06,240
Speaker 1: I want to get to know you, like you know,

500
00:26:07,280 --> 00:26:11,200
Speaker 1: you know, you're different, you know, and and and ever

501
00:26:11,280 --> 00:26:13,480
Speaker 1: since then, you and I have been on the to me,

502
00:26:13,560 --> 00:26:16,800
Speaker 1: one of the greatest journeys of my life, the greatest

503
00:26:16,840 --> 00:26:19,560
Speaker 1: legs of my life, like I've never experienced like walking

504
00:26:19,600 --> 00:26:22,520
Speaker 1: around town and somebody recognizing me, and it's it's a

505
00:26:22,520 --> 00:26:24,520
Speaker 1: good thing, you know, like someone going you know, not

506
00:26:24,640 --> 00:26:26,359
Speaker 1: that I was a jerk before this, but it's like like,

507
00:26:26,400 --> 00:26:28,760
Speaker 1: oh my gosh, you've helped me. You've you've enlightened something,

508
00:26:28,800 --> 00:26:31,159
Speaker 1: You've you've done something like or I appreciate you just

509
00:26:31,160 --> 00:26:33,960
Speaker 1: made me laugh, right your smile and so you and I,

510
00:26:34,640 --> 00:26:36,399
Speaker 1: you know, it's one thing to be in front of

511
00:26:36,400 --> 00:26:38,679
Speaker 1: the camera and like be prim and polished. I mean,

512
00:26:38,680 --> 00:26:41,280
Speaker 1: you're You're way more polished at me, like to say

513
00:26:41,280 --> 00:26:44,119
Speaker 1: the least. I gotta I got cardboard boxes. One of

514
00:26:44,119 --> 00:26:45,440
Speaker 1: these days, I'm gonna spend the night and do a

515
00:26:45,480 --> 00:26:47,680
Speaker 1: live stream from a cardboard box. I should do that,

516
00:26:48,000 --> 00:26:52,760
Speaker 1: but m you know, we have different conversations and and

517
00:26:53,000 --> 00:26:55,480
Speaker 1: it's been hard. My my wife and me are totally

518
00:26:55,480 --> 00:26:58,720
Speaker 1: opposite when it comes to business. Now. My wife recently said,

519
00:26:58,720 --> 00:27:00,800
Speaker 1: you need to leave the fire department. It's too much

520
00:27:01,040 --> 00:27:04,000
Speaker 1: because I have too big of dreams and I go

521
00:27:04,040 --> 00:27:07,080
Speaker 1: to a bunch of guys that just want to beat them.

522
00:27:07,119 --> 00:27:08,560
Speaker 1: They just want to show off. They don't want to,

523
00:27:08,640 --> 00:27:10,200
Speaker 1: you know, be great. They don't have the department to

524
00:27:10,240 --> 00:27:11,919
Speaker 1: be great. They don't want great policies, they don't want

525
00:27:11,960 --> 00:27:14,680
Speaker 1: great training. They just want to, you know, wear a uniform,

526
00:27:14,680 --> 00:27:17,159
Speaker 1: you know, and you know, and it just it's a bummer.

527
00:27:17,160 --> 00:27:19,040
Speaker 1: Like when I go to training, it's like we're gonna

528
00:27:19,080 --> 00:27:20,880
Speaker 1: pull host. We're gonna have a contest who pulls host

529
00:27:20,920 --> 00:27:22,960
Speaker 1: fasters and they go. It's not always a contest, Dravis.

530
00:27:22,960 --> 00:27:26,720
Speaker 1: I'm all competition is what makes us great. Yeah, it's

531
00:27:26,920 --> 00:27:30,120
Speaker 1: it separates the weak minded from the strong minded. And

532
00:27:30,560 --> 00:27:33,679
Speaker 1: you know, you and I talk about our struggles, we

533
00:27:33,760 --> 00:27:35,440
Speaker 1: talk about our dreams. That's all. I wanted to get

534
00:27:35,480 --> 00:27:39,520
Speaker 1: that out of you because you're I think it's coming

535
00:27:39,560 --> 00:27:42,280
Speaker 1: sooner than you think. And it always starts with a buck, right,

536
00:27:42,320 --> 00:27:43,880
Speaker 1: You always got to start with a buck. You pay

537
00:27:43,880 --> 00:27:46,240
Speaker 1: somebody's debt off. You've already started some of this stuff.

538
00:27:46,640 --> 00:27:48,560
Speaker 1: And I've got some dreams I've shared with you about

539
00:27:48,600 --> 00:27:51,320
Speaker 1: feeding a nation, you know. But at the same time,

540
00:27:51,359 --> 00:27:54,000
Speaker 1: you and I are common dream is to wake people

541
00:27:54,080 --> 00:27:57,160
Speaker 1: up to you know, and not just for fame. I'd

542
00:27:57,160 --> 00:27:59,680
Speaker 1: be lying if I said this wasn't incredible. And it's addicting,

543
00:28:00,600 --> 00:28:04,000
Speaker 1: but also I'm scared of death. Of what happens when

544
00:28:04,040 --> 00:28:06,400
Speaker 1: it gets to my head, because I've always heard that phrase, Dude,

545
00:28:06,440 --> 00:28:09,360
Speaker 1: if you lose who, if you forget who you were,

546
00:28:09,840 --> 00:28:12,080
Speaker 1: you'll lose it all. And we see pride coming before

547
00:28:12,160 --> 00:28:14,359
Speaker 1: fall all the time. Yeah, what are you doing to

548
00:28:14,400 --> 00:28:16,640
Speaker 1: deal with that? Okay? All right, I'm glad you asked

549
00:28:16,680 --> 00:28:19,320
Speaker 1: that question because that helps me loop everything back around. Yeah,

550
00:28:19,480 --> 00:28:22,600
Speaker 1: your shoulders have dropped too, for the record, might have

551
00:28:22,640 --> 00:28:27,760
Speaker 1: to though physically you're saying literally as I'm like yeah,

552
00:28:27,760 --> 00:28:29,800
Speaker 1: because you look on your face, You're like, dude, you're

553
00:28:29,840 --> 00:28:31,560
Speaker 1: ten stuff, like what are you about to do? Dude?

554
00:28:31,600 --> 00:28:33,480
Speaker 1: And you're looking at the numbers? So don't you turn

555
00:28:33,480 --> 00:28:36,800
Speaker 1: this thing off? Answer that. I want to hear your answer?

556
00:28:36,840 --> 00:28:41,320
Speaker 1: All right, So because of that question, you reminded me

557
00:28:41,400 --> 00:28:44,760
Speaker 1: that I didn't actually answer your first question. Okay, and

558
00:28:45,000 --> 00:28:48,040
Speaker 1: it's they go together. So you ask me what's my dream?

559
00:28:48,040 --> 00:28:50,040
Speaker 1: And I mentioned I want to forgive a billion dollars

560
00:28:50,040 --> 00:28:51,800
Speaker 1: in debt and that just sounds like, well crazy, like

561
00:28:51,800 --> 00:28:53,120
Speaker 1: how how in the world is that going to happen?

562
00:28:53,400 --> 00:28:57,920
Speaker 1: It's because of my story, and debt is slavery, and

563
00:28:57,960 --> 00:29:02,000
Speaker 1: so I know that there are collections companies that exist, right, Like,

564
00:29:02,040 --> 00:29:03,520
Speaker 1: if you get two deep in a debt you can't

565
00:29:03,520 --> 00:29:06,200
Speaker 1: pay default, you owe the bank money. So that's what's

566
00:29:06,200 --> 00:29:08,800
Speaker 1: called they own that debt, so you owe them one

567
00:29:08,840 --> 00:29:12,800
Speaker 1: hundred thousand dollars. If they think you're never gonna pay,

568
00:29:13,400 --> 00:29:17,160
Speaker 1: they're gonna post that debt for sale, and they're gonna

569
00:29:17,160 --> 00:29:19,480
Speaker 1: sell that hundred grand worth a debt for like thirty

570
00:29:19,480 --> 00:29:22,960
Speaker 1: grand or twenty secondary market yep, right, and so they'll

571
00:29:23,000 --> 00:29:25,320
Speaker 1: stay like, hey, if we keep this debt, we might

572
00:29:25,360 --> 00:29:27,760
Speaker 1: be able to collect twenty grand of it if we

573
00:29:27,840 --> 00:29:29,840
Speaker 1: work really hard at it and call this guy a lot.

574
00:29:30,440 --> 00:29:31,680
Speaker 1: We don't want to have to put in that work.

575
00:29:31,720 --> 00:29:34,200
Speaker 1: We'll sell it for ten grand and we'll at least

576
00:29:34,280 --> 00:29:36,680
Speaker 1: walk away with our ten grand. And then the collections

577
00:29:36,720 --> 00:29:39,160
Speaker 1: company will start going after you and they'll try and

578
00:29:39,200 --> 00:29:41,440
Speaker 1: get twenty grand, because then they double their money. They

579
00:29:41,480 --> 00:29:43,560
Speaker 1: spent ten grand, they got twenty grand. You pay them off,

580
00:29:43,560 --> 00:29:46,280
Speaker 1: you come up with a settlement deal with the collections agency,

581
00:29:46,640 --> 00:29:48,680
Speaker 1: you pay your twenty grand, and you're you know, you're

582
00:29:48,800 --> 00:29:51,800
Speaker 1: good to go. But usually they're a lot more aggressive

583
00:29:51,840 --> 00:29:54,080
Speaker 1: than that. Usually it's a lot more difficult, Like it's

584
00:29:54,320 --> 00:29:59,160
Speaker 1: very hard to like it's it's just it's slavery. So

585
00:29:59,320 --> 00:30:01,239
Speaker 1: there are a lot of these sharks out there, a

586
00:30:01,280 --> 00:30:04,120
Speaker 1: lot of these leeches on society that prey on the

587
00:30:04,120 --> 00:30:07,360
Speaker 1: people that for either buy their own fault or just

588
00:30:07,560 --> 00:30:11,200
Speaker 1: by bad circumstances, have gotten themselves into debt slavery. Well,

589
00:30:11,240 --> 00:30:15,040
Speaker 1: what most people don't know is that anybody can buy

590
00:30:15,080 --> 00:30:18,960
Speaker 1: that debt. That's right. You can go online right now

591
00:30:19,280 --> 00:30:22,360
Speaker 1: and buy debt off the secondary market. I bought my

592
00:30:22,400 --> 00:30:24,440
Speaker 1: own with pennies on the dollar. You bought your own.

593
00:30:24,680 --> 00:30:27,720
Speaker 1: You want to hear that story? Actually, yes, in a minute.

594
00:30:28,200 --> 00:30:34,000
Speaker 1: So I've started a nonprofit organization. You've already started. I've

595
00:30:34,000 --> 00:30:37,640
Speaker 1: already started it. I just don't have the infrastructure set

596
00:30:37,680 --> 00:30:42,720
Speaker 1: up to start, like you know, operating yet where we

597
00:30:42,760 --> 00:30:45,240
Speaker 1: will operate as a collections agency in terms of we

598
00:30:45,280 --> 00:30:47,960
Speaker 1: will buy debt from these markets for pennies on the dollar,

599
00:30:48,600 --> 00:30:50,760
Speaker 1: and then instead of calling the people to collect on

600
00:30:50,800 --> 00:30:52,760
Speaker 1: the debt, we will write them a letter and say

601
00:30:52,760 --> 00:30:55,240
Speaker 1: your debt has been forgiven. I just came up with

602
00:30:55,240 --> 00:30:57,760
Speaker 1: an idea. When it's let me just post by you.

603
00:30:58,440 --> 00:31:01,200
Speaker 1: There's nothing more satisfy find than paying off your debt

604
00:31:01,280 --> 00:31:03,360
Speaker 1: right when you and your wife paid off that thirty grand.

605
00:31:03,400 --> 00:31:11,440
Speaker 1: How do you feel free? Okay? I know you got

606
00:31:11,440 --> 00:31:13,520
Speaker 1: into debt again, right when you got into a bigger job.

607
00:31:13,800 --> 00:31:15,840
Speaker 1: Then you had to pay off that debt too, right, Yeah, okay,

608
00:31:15,880 --> 00:31:20,840
Speaker 1: what happened after you paid off that bigger debt? Same thing? Free? Free, free.

609
00:31:20,840 --> 00:31:23,440
Speaker 1: But are you in the same situation now? No? Okay,

610
00:31:23,480 --> 00:31:26,280
Speaker 1: so you changed Okay, So sometimes we return to the

611
00:31:26,280 --> 00:31:29,040
Speaker 1: same mistake. We make the same mistake, right, But sometimes

612
00:31:29,120 --> 00:31:31,360
Speaker 1: when we repeat that cycle, we go I never want

613
00:31:31,400 --> 00:31:33,680
Speaker 1: to do it again. I have lost I would say

614
00:31:33,680 --> 00:31:36,680
Speaker 1: all my money in the stock market three times. When

615
00:31:36,680 --> 00:31:38,520
Speaker 1: I say all my money, all my bills are paid,

616
00:31:38,560 --> 00:31:40,640
Speaker 1: I just I saved up six year grand once put

617
00:31:40,680 --> 00:31:42,480
Speaker 1: it on a short you know, in twenty fifteen, thinking

618
00:31:42,520 --> 00:31:44,720
Speaker 1: of Speta cycles gonna happen. It didn't happen because the

619
00:31:44,800 --> 00:31:48,680
Speaker 1: Fed pivoted and they went into raising rates and then

620
00:31:48,680 --> 00:31:51,320
Speaker 1: a couple o times. I still paid all my bills,

621
00:31:51,400 --> 00:31:54,000
Speaker 1: still had savings, still had precious medals. Right, so I

622
00:31:54,000 --> 00:31:56,120
Speaker 1: didn't lose everything. I lost all my extra money. I

623
00:31:56,160 --> 00:31:58,200
Speaker 1: lost more money than most people would ever have in

624
00:31:58,240 --> 00:32:02,360
Speaker 1: their savings account. But I lost What if you were

625
00:32:02,400 --> 00:32:05,880
Speaker 1: to you buy that debt on the secondary market, and

626
00:32:05,960 --> 00:32:08,080
Speaker 1: you give people the option to say, look, here's the deal.

627
00:32:08,120 --> 00:32:10,000
Speaker 1: I bought your debt at ten cents on the dollar.

628
00:32:10,840 --> 00:32:12,960
Speaker 1: You have the opportunity to pay it back. You don't

629
00:32:12,960 --> 00:32:17,040
Speaker 1: have to, but when you do pay it off, you

630
00:32:17,080 --> 00:32:19,280
Speaker 1: are going to be a totally different person because I'm

631
00:32:19,280 --> 00:32:20,959
Speaker 1: also going to hand you a little bit of literature,

632
00:32:21,000 --> 00:32:22,760
Speaker 1: and you're going to be inspired to do this for

633
00:32:22,800 --> 00:32:25,040
Speaker 1: someone else. So instead of just writing letters saying your

634
00:32:25,080 --> 00:32:27,600
Speaker 1: debt is forgiven, giving them the option to pay off

635
00:32:27,640 --> 00:32:30,360
Speaker 1: the debt for the same price that I bought it for. Yeah,

636
00:32:30,400 --> 00:32:32,640
Speaker 1: for like reasons, because now you have more funding to

637
00:32:32,640 --> 00:32:34,840
Speaker 1: do it again. But you are giving the person the

638
00:32:34,880 --> 00:32:36,520
Speaker 1: opportunity to be that one person. Now, let me tell

639
00:32:36,520 --> 00:32:40,440
Speaker 1: you about GMAC. I had six months of all my

640
00:32:40,640 --> 00:32:44,680
Speaker 1: expenses put in the bank. I had six mortgages and

641
00:32:44,880 --> 00:32:48,760
Speaker 1: zero debt, six mortages going, firefighter pay, and enough cash

642
00:32:48,800 --> 00:32:50,640
Speaker 1: flow coming in that everything is fine at six months

643
00:32:50,640 --> 00:32:53,920
Speaker 1: of bills. In one month, my mother died and we

644
00:32:53,920 --> 00:32:56,600
Speaker 1: were paying for her hospice for just about a month

645
00:32:57,080 --> 00:32:59,440
Speaker 1: and it costs us like twelve thousand bucks for a month.

646
00:33:00,120 --> 00:33:03,840
Speaker 1: My renter died in our last condominium and I actually

647
00:33:03,880 --> 00:33:06,000
Speaker 1: told her the day I rented it to her, I

648
00:33:06,120 --> 00:33:08,040
Speaker 1: bought the places she was renting, that I will take

649
00:33:08,040 --> 00:33:09,920
Speaker 1: care of her till the day she dies. She will

650
00:33:09,960 --> 00:33:12,040
Speaker 1: never see her rent raised till the day she dies.

651
00:33:12,240 --> 00:33:14,880
Speaker 1: She died in the property. I was very blessed to

652
00:33:14,880 --> 00:33:17,040
Speaker 1: have that first. It was my first rental actually, and

653
00:33:17,080 --> 00:33:18,760
Speaker 1: because I was very honorable with her, and I kept

654
00:33:18,760 --> 00:33:20,560
Speaker 1: lowering her rent till she would not let me lower

655
00:33:20,600 --> 00:33:22,560
Speaker 1: her rent anymore. Because I knew I was there to

656
00:33:22,600 --> 00:33:24,320
Speaker 1: take care of her. That was gonna be blessed, and

657
00:33:24,360 --> 00:33:27,480
Speaker 1: God blessed me in other properties. But I had those

658
00:33:27,520 --> 00:33:30,280
Speaker 1: two tragedies happen, and then I had an insurance fraud

659
00:33:30,640 --> 00:33:33,840
Speaker 1: start where my garne wages started getting garnish because an

660
00:33:33,840 --> 00:33:35,640
Speaker 1: insurance can be said, I signed up for some insurance

661
00:33:35,840 --> 00:33:38,200
Speaker 1: through my work, and they're literally garnishing one third in

662
00:33:38,240 --> 00:33:42,640
Speaker 1: my pay catastrophic failure. So I literally had six months

663
00:33:42,680 --> 00:33:45,400
Speaker 1: of bills. I literally started pay him and that because

664
00:33:45,400 --> 00:33:47,800
Speaker 1: it wasn't taking all my money, I had enough to

665
00:33:47,840 --> 00:33:50,560
Speaker 1: get me a year. In the meantime, I am negotiating

666
00:33:51,040 --> 00:33:53,400
Speaker 1: with the insurance company. That was straight up. I literally

667
00:33:53,440 --> 00:33:57,280
Speaker 1: went through three arbitrations every arbiter said, you're nuts. He's right,

668
00:33:57,320 --> 00:34:01,080
Speaker 1: you're wrong. Start take stop the withdrawing funds. They wouldn't

669
00:34:01,120 --> 00:34:03,040
Speaker 1: do it. And I literally went to God and I'm like,

670
00:34:03,040 --> 00:34:06,040
Speaker 1: oh my gosh, like God, you didn't do this. And

671
00:34:06,080 --> 00:34:07,920
Speaker 1: I always been to Tither, please help me, and one

672
00:34:08,000 --> 00:34:11,880
Speaker 1: day I'll never forget it. I'm talking to GMAC, one

673
00:34:11,880 --> 00:34:14,200
Speaker 1: of my mortgage companies, because we at a certain point

674
00:34:14,600 --> 00:34:16,960
Speaker 1: we dwindled it down to one month of reserves. And

675
00:34:17,000 --> 00:34:18,640
Speaker 1: I told my wife, feels the hardest thing I ever

676
00:34:18,640 --> 00:34:20,359
Speaker 1: had to tell my wife. We have to stop making

677
00:34:20,360 --> 00:34:23,800
Speaker 1: a mortgage. None of this was our fault. We've done everything.

678
00:34:24,080 --> 00:34:26,000
Speaker 1: We never stopped giving to throughout the whole time. We

679
00:34:26,000 --> 00:34:28,960
Speaker 1: stopped kept creating our tithe right. And my wife was

680
00:34:28,960 --> 00:34:31,080
Speaker 1: stunned and she goes, no, we have to pay our bill.

681
00:34:31,120 --> 00:34:32,600
Speaker 1: And I go, no, if we don't pay, if we

682
00:34:32,640 --> 00:34:35,680
Speaker 1: pay this month, we're gonna zero. See they're they're not

683
00:34:35,719 --> 00:34:38,760
Speaker 1: helping us. They don't care. They want to be vultures.

684
00:34:38,800 --> 00:34:40,600
Speaker 1: They want to come attack us. They can't wait to

685
00:34:40,640 --> 00:34:42,840
Speaker 1: take a house. They're threatening us all stuff. And the

686
00:34:42,840 --> 00:34:44,480
Speaker 1: Holy Spirit said, I'm gonna show you how to pay

687
00:34:44,480 --> 00:34:47,200
Speaker 1: off your house, said how do I do this, And

688
00:34:47,280 --> 00:34:49,200
Speaker 1: he said, offer them, and he gave me a number.

689
00:34:50,080 --> 00:34:52,120
Speaker 1: And I didn't know anything about the secondary debt market,

690
00:34:52,239 --> 00:34:54,480
Speaker 1: but instantly he showed me that. I literally called up

691
00:34:54,520 --> 00:34:57,880
Speaker 1: GMAC and I said, hey, you guys have the ability

692
00:34:57,920 --> 00:34:59,839
Speaker 1: to sell this, write this off, and you're gonna sell

693
00:34:59,880 --> 00:35:02,000
Speaker 1: this on the secondary mark for ten percent. And I

694
00:35:02,000 --> 00:35:04,480
Speaker 1: remember I had two debts, one hundred thousand oar debt

695
00:35:04,560 --> 00:35:07,800
Speaker 1: and a fifty thousand dollar debt around there. So the

696
00:35:07,840 --> 00:35:10,680
Speaker 1: fifty thousand dollars debt, I said, hey, I will, I'll

697
00:35:10,719 --> 00:35:13,359
Speaker 1: give you five thousand dollars to write it off. And

698
00:35:13,400 --> 00:35:16,000
Speaker 1: she goes, we can't do that. She goes, but wait

699
00:35:16,000 --> 00:35:17,320
Speaker 1: a minute, and I'm a wait minute, you're going to

700
00:35:17,360 --> 00:35:19,879
Speaker 1: sell it to another company. Why can't you sell to me?

701
00:35:20,640 --> 00:35:23,560
Speaker 1: And she goes, honestly, I've never even heard of anything

702
00:35:23,600 --> 00:35:25,640
Speaker 1: like this, but let me let me see what I

703
00:35:25,640 --> 00:35:28,399
Speaker 1: can do. I was being honest and doing everything right,

704
00:35:28,440 --> 00:35:29,600
Speaker 1: and this is the kind of stuff I want to

705
00:35:29,600 --> 00:35:34,160
Speaker 1: help people with when this crash happens. She she took

706
00:35:34,200 --> 00:35:36,560
Speaker 1: down what I said, I'm offering this. I get a

707
00:35:36,640 --> 00:35:38,640
Speaker 1: letter four weeks later and my wife I hand the

708
00:35:38,640 --> 00:35:40,520
Speaker 1: phone up and I'll never forget it. She goes, what

709
00:35:40,560 --> 00:35:42,759
Speaker 1: are you doing? What are you thinking? And I'm like,

710
00:35:43,320 --> 00:35:45,520
Speaker 1: I God just showed me how I'm gonna pay off

711
00:35:45,560 --> 00:35:48,440
Speaker 1: the debt. And I get a letter like I think

712
00:35:48,440 --> 00:35:51,359
Speaker 1: it's four weeks later said miss as that my name.

713
00:35:53,160 --> 00:35:57,400
Speaker 1: We have taken into consideration your offer of five thousand

714
00:35:57,400 --> 00:35:59,560
Speaker 1: dollars to pay off your fifty thousand ar debt. However,

715
00:35:59,640 --> 00:36:02,800
Speaker 1: we have looked at your situation and we have deemed

716
00:36:02,800 --> 00:36:06,680
Speaker 1: that you cannot afford five thousand dollars. So we hereby

717
00:36:07,000 --> 00:36:09,719
Speaker 1: offer you to pay off your debt with us for

718
00:36:09,840 --> 00:36:12,640
Speaker 1: thirty two or thirty seven hundred bucks. You want to

719
00:36:12,640 --> 00:36:16,200
Speaker 1: hear something crazy? I called them immediately. I wasn't rejoicing.

720
00:36:16,560 --> 00:36:19,359
Speaker 1: I called them and I said, I have the five

721
00:36:19,400 --> 00:36:21,759
Speaker 1: grand in my hand, and she goes, you have what

722
00:36:21,800 --> 00:36:23,359
Speaker 1: the letter says, and I go, yes, but I've got

723
00:36:23,360 --> 00:36:24,719
Speaker 1: the five grand. That was because I was trying to

724
00:36:24,719 --> 00:36:27,400
Speaker 1: be honorable right right then, the Holy Spurg just stopped

725
00:36:27,400 --> 00:36:29,480
Speaker 1: me and said, don't get in the way of the blessing.

726
00:36:29,840 --> 00:36:33,400
Speaker 1: And I it was like the voice and I stopped,

727
00:36:35,400 --> 00:36:39,600
Speaker 1: and then one by one things started happening. One bank

728
00:36:40,320 --> 00:36:43,000
Speaker 1: actually handed me the deed of the property and actually

729
00:36:43,000 --> 00:36:45,480
Speaker 1: paid to have it put it in my name. Wow,

730
00:36:45,520 --> 00:36:49,000
Speaker 1: they walked away because I did everything honorably and to

731
00:36:48,640 --> 00:36:50,440
Speaker 1: the law, to the letter of the law. One of

732
00:36:50,480 --> 00:36:52,279
Speaker 1: my broker words brokers called and said in the midst

733
00:36:52,320 --> 00:36:54,839
Speaker 1: of everybody losing their house that they said, no one

734
00:36:55,400 --> 00:36:57,719
Speaker 1: I've ever heard of has done what you've done. Now

735
00:36:57,960 --> 00:37:01,600
Speaker 1: I learned the backside of the debt market. And it's

736
00:37:01,600 --> 00:37:04,040
Speaker 1: dirty and it's ugly, and they're allowed to light to you.

737
00:37:04,040 --> 00:37:07,040
Speaker 1: They're allowed to do certain intimidating things. They are allowed

738
00:37:07,120 --> 00:37:09,600
Speaker 1: not to do certain things. But when you go to

739
00:37:09,800 --> 00:37:12,600
Speaker 1: pay someone's debt, you could do that. But if you

740
00:37:12,640 --> 00:37:15,760
Speaker 1: can give a man or woman the right to stand

741
00:37:15,760 --> 00:37:18,239
Speaker 1: on their own two feet, you've now made not only

742
00:37:18,320 --> 00:37:22,240
Speaker 1: disciple a leader. And I have a feeling that's something

743
00:37:22,280 --> 00:37:25,200
Speaker 1: you're going to be able to do. And if this

744
00:37:25,320 --> 00:37:27,279
Speaker 1: gets you know, out there on the web or that

745
00:37:27,440 --> 00:37:29,680
Speaker 1: you know, and I'm curious to see because can people

746
00:37:29,719 --> 00:37:32,600
Speaker 1: see comments from these things? They can't. Okay, you can't

747
00:37:32,600 --> 00:37:34,960
Speaker 1: see im. No, No you can't. Yeah, I'm just curious.

748
00:37:35,000 --> 00:37:37,520
Speaker 1: I have a feeling that this may inspire some people.

749
00:37:37,640 --> 00:37:40,840
Speaker 1: Yeah on top, because it was a real thing, and

750
00:37:40,880 --> 00:37:42,600
Speaker 1: I know there's gonna be a lot of hurting people

751
00:37:42,640 --> 00:37:45,960
Speaker 1: in this next crash. So okay, So everything that you've

752
00:37:46,000 --> 00:37:48,680
Speaker 1: said to own, there's one thing that's been circling through

753
00:37:48,719 --> 00:37:53,839
Speaker 1: my head that entire time, that that whole story is

754
00:37:54,000 --> 00:37:57,239
Speaker 1: a quote. But I don't know if he's if he's

755
00:37:57,320 --> 00:38:02,040
Speaker 1: regurgitating it, or if this came from him. But Alex Hormosey,

756
00:38:02,160 --> 00:38:09,160
Speaker 1: he says, give first and without expectation, and you will

757
00:38:09,160 --> 00:38:14,400
Speaker 1: receive more than you ever imagined. So I agree with that. However,

758
00:38:14,640 --> 00:38:16,480
Speaker 1: this way you'd be able to offer him. Wait right, no,

759
00:38:16,600 --> 00:38:18,919
Speaker 1: but hold on though, all right, and your entire story

760
00:38:19,040 --> 00:38:23,680
Speaker 1: we're talking like we really stop traff, Wait about your

761
00:38:23,840 --> 00:38:33,800
Speaker 1: entire story. You have a habit of giving first without expectation. Yeah,

762
00:38:33,840 --> 00:38:38,000
Speaker 1: that is why you've been blessed in return, because even

763
00:38:38,160 --> 00:38:42,320
Speaker 1: dealing with the banks, corporations, people trying to screw you,

764
00:38:42,320 --> 00:38:45,960
Speaker 1: your default is I'm going to try and give. When

765
00:38:46,000 --> 00:38:50,359
Speaker 1: you say when you in your words, you're saying yes, well, yes,

766
00:38:50,400 --> 00:38:53,000
Speaker 1: tithing and giving like that, but also like trying to

767
00:38:53,040 --> 00:38:56,000
Speaker 1: deal honorably and do the right thing that is giving

768
00:38:56,040 --> 00:38:58,960
Speaker 1: to somebody who's trying to take. Okay, they say hey

769
00:38:59,000 --> 00:39:01,560
Speaker 1: you oh thirty two hundred. You say no, I said five,

770
00:39:01,760 --> 00:39:05,200
Speaker 1: oh yeah, give first and without expectation, and you will

771
00:39:05,239 --> 00:39:07,560
Speaker 1: receive more than you ever expected, more than you ever imagined.

772
00:39:08,719 --> 00:39:13,000
Speaker 1: And when when you talk about like right now, like

773
00:39:13,040 --> 00:39:18,080
Speaker 1: your fears of quitting your job, your fears of getting

774
00:39:18,080 --> 00:39:20,280
Speaker 1: too high and mighty pride com with before the fall,

775
00:39:23,120 --> 00:39:28,960
Speaker 1: my fears of what if I become so wealthy that

776
00:39:29,040 --> 00:39:31,560
Speaker 1: I forget what it takes to create wealth, that I

777
00:39:31,640 --> 00:39:36,200
Speaker 1: lose all my wealth. That's very real. Give yeah, And

778
00:39:36,239 --> 00:39:38,480
Speaker 1: that's why my whole theme is always like make money,

779
00:39:38,560 --> 00:39:44,040
Speaker 1: keep money, give money. Because the antidote to greed is

780
00:39:44,160 --> 00:39:52,320
Speaker 1: not it's not to despise money. The antidote to greed

781
00:39:52,520 --> 00:39:57,920
Speaker 1: is not yeah, it's not contempt for wealth. Yes, the

782
00:39:58,040 --> 00:40:02,120
Speaker 1: antidote to greed is generosity. Yeah, don't let money control you.

783
00:40:02,600 --> 00:40:04,719
Speaker 1: And the way you don't let money control you is

784
00:40:04,840 --> 00:40:06,759
Speaker 1: not to try and earn less or to try and

785
00:40:06,840 --> 00:40:10,240
Speaker 1: get less. It's to give more. You know. It's funny

786
00:40:10,280 --> 00:40:13,319
Speaker 1: because I've always been insulted by my family and they're like,

787
00:40:13,400 --> 00:40:15,160
Speaker 1: you know what, you're greedy, You're all about money, and

788
00:40:15,200 --> 00:40:17,799
Speaker 1: I go, but look what I'm doing, and look my goal,

789
00:40:18,200 --> 00:40:19,960
Speaker 1: and they go, it doesn't matter. It's just never enough

790
00:40:19,960 --> 00:40:21,400
Speaker 1: for you. Like, you're right, it's never enough because I

791
00:40:21,440 --> 00:40:23,160
Speaker 1: want to feed a nation. Yeah, and I go, it

792
00:40:23,160 --> 00:40:24,800
Speaker 1: takes a lot of money. I say, you can have

793
00:40:24,840 --> 00:40:27,279
Speaker 1: the greatest intents in one hand and a stack of

794
00:40:27,280 --> 00:40:30,680
Speaker 1: money another. Let's see who helps who. Yeah, And I'm

795
00:40:30,719 --> 00:40:33,040
Speaker 1: like and so, and I'm all, you can't be greedy

796
00:40:33,040 --> 00:40:35,960
Speaker 1: if you keep giving. Yeah, and then it's like, all right,

797
00:40:36,040 --> 00:40:37,520
Speaker 1: up the numbers. J. C. Penning is one of the

798
00:40:37,560 --> 00:40:39,719
Speaker 1: wealthiest people in the country and he was giving way

799
00:40:39,800 --> 00:40:42,920
Speaker 1: ninety percent as well by time he died. That's that.

800
00:40:43,080 --> 00:40:46,360
Speaker 1: I mean, that story right there is consistent across every

801
00:40:46,400 --> 00:40:50,360
Speaker 1: single person who is extremely wealthy. They're all the biggest givers.

802
00:40:50,520 --> 00:40:53,759
Speaker 1: Chick fil A in and out, hobby lobby, those are

803
00:40:53,760 --> 00:40:56,520
Speaker 1: just current corporation past ones. Yeah, I mean think about

804
00:40:57,080 --> 00:40:59,879
Speaker 1: people just don't understand what it takes to become successful. Yeah.

805
00:41:00,120 --> 00:41:02,880
Speaker 1: And it takes a lifestyle and attitude and habits of

806
00:41:03,160 --> 00:41:05,080
Speaker 1: patterns of giving. I've always wanted to be a building

807
00:41:05,080 --> 00:41:07,440
Speaker 1: and not just money. And so that's why it's like

808
00:41:07,480 --> 00:41:10,080
Speaker 1: when you talk about true, when you talk about like

809
00:41:10,080 --> 00:41:12,919
Speaker 1: like the pride comment before the fall. It's like your

810
00:41:12,960 --> 00:41:16,280
Speaker 1: attitude shifts to taking, like I deserve to get attention

811
00:41:16,400 --> 00:41:20,080
Speaker 1: from you. That's a taking mindset. And so if your

812
00:41:20,080 --> 00:41:26,000
Speaker 1: mindset is giving, like considering others more important than yourself, Yeah,

813
00:41:26,040 --> 00:41:28,440
Speaker 1: then that is that is the mindset that keeps you

814
00:41:28,520 --> 00:41:30,680
Speaker 1: from getting to the place where you could fall. Okay,

815
00:41:30,719 --> 00:41:32,520
Speaker 1: So the easiest way to explain what you're talking about,

816
00:41:32,520 --> 00:41:34,719
Speaker 1: and I'm sure you'll agree, you reput you so. So.

817
00:41:34,760 --> 00:41:36,680
Speaker 1: If you want more money, you need so money. If

818
00:41:36,680 --> 00:41:39,560
Speaker 1: you want time, you just sow your time. I hear

819
00:41:39,600 --> 00:41:41,120
Speaker 1: it all the time with people. I go, so are

820
00:41:41,160 --> 00:41:43,040
Speaker 1: you giving? Like, oh, I give my time? I go, okay, cool,

821
00:41:43,040 --> 00:41:45,000
Speaker 1: you got a bunch of time. Probably don't do nothing.

822
00:41:45,600 --> 00:41:48,399
Speaker 1: It's true. And it's like attention money. You give people

823
00:41:48,440 --> 00:41:50,799
Speaker 1: attention to see. And you're speaking to me right now

824
00:41:50,800 --> 00:41:53,600
Speaker 1: because like my wife and my kids, You're like, Dad,

825
00:41:53,640 --> 00:41:55,719
Speaker 1: you're not there. What do you mean? I don't like

826
00:41:55,880 --> 00:41:58,160
Speaker 1: right here, but you're not here? And I'm like, god,

827
00:41:58,200 --> 00:42:00,719
Speaker 1: I put the cell phone down. I gonna like dude,

828
00:42:00,719 --> 00:42:02,719
Speaker 1: like you and me, it's like, dude, I haven't seen

829
00:42:02,760 --> 00:42:06,520
Speaker 1: you in person for how long has it been? September?

830
00:42:06,800 --> 00:42:08,400
Speaker 1: Was it? Yeah? And we get here, and what are

831
00:42:08,440 --> 00:42:11,719
Speaker 1: we doing all day? You're in meetings. I'm calling and

832
00:42:11,920 --> 00:42:15,120
Speaker 1: canceling meetings, which I don't know if I should over not.

833
00:42:15,560 --> 00:42:17,640
Speaker 1: But like, and then we do a podcast and then

834
00:42:17,680 --> 00:42:19,759
Speaker 1: we do this one and it's like, well, wait a minute,

835
00:42:19,800 --> 00:42:21,839
Speaker 1: we're not even bro. We're not even gonna We're gonna

836
00:42:21,840 --> 00:42:25,160
Speaker 1: spend twelve hours a day and not be friends. Yeah

837
00:42:25,280 --> 00:42:30,080
Speaker 1: that sucks. Yeah, and I'm leaving like I'm getting out

838
00:42:30,080 --> 00:42:32,600
Speaker 1: of here after you feed me. But you know what

839
00:42:32,600 --> 00:42:35,000
Speaker 1: I mean, it's just like, no, after your kids go down,

840
00:42:35,000 --> 00:42:36,759
Speaker 1: we're gonna drink. We're gonna play some games, and then

841
00:42:36,760 --> 00:42:39,600
Speaker 1: you're gonna go I'm not a game guy. We're games.

842
00:42:39,600 --> 00:42:41,759
Speaker 1: We're gonna play I don't know mind games. So we're

843
00:42:41,760 --> 00:42:44,200
Speaker 1: with the VIVESA. Okay, good, we're gonna we're gonna lose.

844
00:42:44,200 --> 00:42:48,440
Speaker 1: I'm gonna take some money from you. You lose. Um.

845
00:42:48,840 --> 00:42:51,759
Speaker 1: So yeah, that's my thing. I mean, And I know

846
00:42:51,760 --> 00:42:53,520
Speaker 1: you're supposed to interview me, but I'm like, I gotta

847
00:42:53,520 --> 00:42:57,920
Speaker 1: ask you questions that we're friends. Yeah, just talk um. Okay.

848
00:42:57,960 --> 00:42:59,600
Speaker 1: Here's the thing though, I want to bring it back

849
00:42:59,600 --> 00:43:03,719
Speaker 1: to the quitting the job thing. Maybe talk about that yes,

850
00:43:04,800 --> 00:43:10,000
Speaker 1: all right. So I'm like, this feels like the most

851
00:43:11,920 --> 00:43:20,160
Speaker 1: like who are you to talk type of statement. But

852
00:43:20,239 --> 00:43:25,640
Speaker 1: there is there is zero security in a job. There's

853
00:43:25,800 --> 00:43:30,520
Speaker 1: no security that comes from a job. It is all

854
00:43:30,800 --> 00:43:33,600
Speaker 1: a false image. So you're right, but I am Can

855
00:43:33,640 --> 00:43:39,840
Speaker 1: you get fired? Yeah? Okay, I'd have to be pretty dumb. Sure.

856
00:43:40,000 --> 00:43:41,919
Speaker 1: I mean, I gotta be honest with you. We're talking

857
00:43:41,920 --> 00:43:44,480
Speaker 1: about scraping the bottle of the pond right well, in

858
00:43:44,560 --> 00:43:48,560
Speaker 1: the current environment, sure, but if things change, if the

859
00:43:48,640 --> 00:43:53,440
Speaker 1: economy changes, if things get can you lose your job? Yes? Okay.

860
00:43:53,960 --> 00:44:00,440
Speaker 1: Is it possible that inflation increases drastically faster than your

861
00:44:00,440 --> 00:44:02,880
Speaker 1: salary already is? Okay? I went through ten years, by

862
00:44:02,920 --> 00:44:04,440
Speaker 1: the way, I work from one of the largest employers

863
00:44:04,480 --> 00:44:06,640
Speaker 1: in the country, actually in the earth. I went for

864
00:44:06,719 --> 00:44:09,919
Speaker 1: ten years without one pay raise. Okay, it's ten years

865
00:44:09,920 --> 00:44:12,840
Speaker 1: of inflations. Yeah, no, I didn't know what. Yeah, jobs

866
00:44:12,920 --> 00:44:16,360
Speaker 1: have no security, only the illusion of it. I agree.

867
00:44:18,960 --> 00:44:22,759
Speaker 1: So you're you're afraid of quitting because of the lack

868
00:44:22,800 --> 00:44:25,879
Speaker 1: of security. But well, you know another thing God told

869
00:44:25,880 --> 00:44:27,560
Speaker 1: me a long time ago. I got a word and

870
00:44:27,560 --> 00:44:29,560
Speaker 1: I knew was from him, and he said, there will

871
00:44:29,600 --> 00:44:32,239
Speaker 1: be a day where you're not a fireman. And so

872
00:44:32,280 --> 00:44:34,919
Speaker 1: when COVID happened, I'm like, this is it. Knew about

873
00:44:34,920 --> 00:44:37,440
Speaker 1: it ahead of time. People, You're gonna get fired if

874
00:44:37,440 --> 00:44:39,440
Speaker 1: you don't do this, and I'm like, all right, is

875
00:44:39,480 --> 00:44:42,960
Speaker 1: here we go? I didn't get fired. Yeah. I was

876
00:44:42,960 --> 00:44:45,279
Speaker 1: also given a couple other words about some emergencies I'm

877
00:44:45,280 --> 00:44:47,560
Speaker 1: gonna be on that hasn't happened yet, Like, okay, is

878
00:44:47,560 --> 00:44:51,280
Speaker 1: it real? Did I really hear? So I'm like waiting.

879
00:44:51,800 --> 00:44:53,759
Speaker 1: I'm gonna be honestly, this is tough, and I'm going

880
00:44:53,800 --> 00:44:57,200
Speaker 1: through there's a tragedy that's going on in my workplace

881
00:44:57,280 --> 00:45:00,239
Speaker 1: right now. Quite frankly, I'm dealing with not me, but

882
00:45:00,280 --> 00:45:03,000
Speaker 1: are my place, my place work is and it's so

883
00:45:03,040 --> 00:45:05,680
Speaker 1: there's a lot happening at once. So a lot of people,

884
00:45:05,880 --> 00:45:07,759
Speaker 1: like even my co workers, like why are you still here?

885
00:45:07,760 --> 00:45:09,839
Speaker 1: I ran into my fire chief in an airport as

886
00:45:09,840 --> 00:45:13,040
Speaker 1: I'm going to Canada, speak with Kiyosaki, and he's like,

887
00:45:13,160 --> 00:45:15,560
Speaker 1: you're never coming back. It's my fire chief. He's like,

888
00:45:15,600 --> 00:45:17,640
Speaker 1: you're gonna you're leaving. There's no way you're coming back.

889
00:45:18,360 --> 00:45:19,960
Speaker 1: And I'm like, yeah, I'm coming back, but I'm like

890
00:45:19,960 --> 00:45:25,799
Speaker 1: I don't even I'm lost. Okay, well the emergencies. I

891
00:45:25,920 --> 00:45:28,040
Speaker 1: just want one more good fire season. Honestly, you don't

892
00:45:28,040 --> 00:45:29,719
Speaker 1: have to what are your truth? No, I get that.

893
00:45:29,760 --> 00:45:31,120
Speaker 1: I want to be a safety officer and a big

894
00:45:31,160 --> 00:45:32,919
Speaker 1: fire because I worked up to where I'm the third

895
00:45:32,960 --> 00:45:34,680
Speaker 1: in command. If I work on like a Type three

896
00:45:34,680 --> 00:45:37,400
Speaker 1: team of like a five thousand acre fire with you know,

897
00:45:37,400 --> 00:45:39,560
Speaker 1: a thousand guys, or yeah, how cool it would it

898
00:45:39,560 --> 00:45:41,760
Speaker 1: be to go? We can? And I've had this happen before.

899
00:45:41,880 --> 00:45:44,120
Speaker 1: I'm on a fire engine. I'm going to San Diegos.

900
00:45:44,120 --> 00:45:46,799
Speaker 1: When I met the president. Five engines in my group,

901
00:45:46,880 --> 00:45:50,520
Speaker 1: We're given the entire town of Julian, five engines. They're like,

902
00:45:50,680 --> 00:45:53,200
Speaker 1: take these two hundred. This true story. Pull into the

903
00:45:53,920 --> 00:45:57,320
Speaker 1: town of Julian. Fire chief meets us like everything's on fire.

904
00:45:57,440 --> 00:46:00,560
Speaker 1: People are screaming it weren't going to Helen. I Hanna

905
00:46:00,560 --> 00:46:02,920
Speaker 1: basket quick like police officers saluting us. As we're going

906
00:46:02,960 --> 00:46:06,040
Speaker 1: into the city. Fire chief shows up, meets us, shows

907
00:46:06,120 --> 00:46:07,520
Speaker 1: up down a map. He goes, you're the only five

908
00:46:07,520 --> 00:46:11,120
Speaker 1: engines in the city. My guys started today on this

909
00:46:11,160 --> 00:46:13,799
Speaker 1: fire two cities away. I don't even have my own

910
00:46:13,840 --> 00:46:16,239
Speaker 1: fire engines. I'm gonna give you these two hundred and

911
00:46:16,239 --> 00:46:19,320
Speaker 1: fifty homes to save. I was await for sixty hours.

912
00:46:19,520 --> 00:46:22,840
Speaker 1: We saved about I think it was seven homes, five engines.

913
00:46:23,360 --> 00:46:27,200
Speaker 1: I was await for sixty hours. There were times where

914
00:46:27,239 --> 00:46:30,000
Speaker 1: people were not evacuating their homes, old people, and I

915
00:46:30,120 --> 00:46:32,200
Speaker 1: come out, so I would be fighting a fire and

916
00:46:32,200 --> 00:46:34,200
Speaker 1: there's this mansions old lady, I'll never forget it, just

917
00:46:34,200 --> 00:46:36,120
Speaker 1: had a scar. Her whole face is burnt, her whole

918
00:46:36,160 --> 00:46:39,279
Speaker 1: side of her face is burnt. Hair's gone. He's trying

919
00:46:39,320 --> 00:46:41,600
Speaker 1: to save her home. And I grab her and I'm

920
00:46:41,840 --> 00:46:43,319
Speaker 1: get get out of here now. She goes done my

921
00:46:43,360 --> 00:46:45,080
Speaker 1: home and I physically picked her up she was like

922
00:46:45,120 --> 00:46:49,399
Speaker 1: seventy something and threw her into a car and got

923
00:46:49,440 --> 00:46:53,359
Speaker 1: somebody to drive her away. And her house was catching fire.

924
00:46:53,400 --> 00:46:56,719
Speaker 1: She was gonna die that night. There were places we

925
00:46:56,719 --> 00:47:00,360
Speaker 1: couldn't evacuate because the news was so discombobulated. You know

926
00:47:00,360 --> 00:47:02,160
Speaker 1: what my greatest dream is having a YouTube channel. You know,

927
00:47:02,200 --> 00:47:03,880
Speaker 1: it's the craziest thing. And it's not like to glorify

928
00:47:03,960 --> 00:47:06,399
Speaker 1: me to be able to be in a position as

929
00:47:06,400 --> 00:47:09,560
Speaker 1: a safety officer to go you need this. This watch

930
00:47:09,640 --> 00:47:11,399
Speaker 1: this and go live and go we need this done.

931
00:47:11,440 --> 00:47:15,560
Speaker 1: We need this done. Now. That's probably totally self serving,

932
00:47:16,560 --> 00:47:18,720
Speaker 1: but I've had such a rough career where I couldn't

933
00:47:18,760 --> 00:47:23,600
Speaker 1: make a difference because of bureaucracy. Yeah, when I met

934
00:47:23,600 --> 00:47:25,839
Speaker 1: the president that next day, after the sixty hours, they

935
00:47:25,840 --> 00:47:28,520
Speaker 1: actually picked our five injines to meet us. They had

936
00:47:28,520 --> 00:47:30,719
Speaker 1: literally f sixteen circling us. They said, if you'll stay

937
00:47:30,719 --> 00:47:33,240
Speaker 1: awake for five more hours, we have picked you guys

938
00:47:33,360 --> 00:47:36,120
Speaker 1: because of something we did special, They said to meet

939
00:47:36,120 --> 00:47:39,080
Speaker 1: the president. Air Force one comes landing right in front

940
00:47:39,080 --> 00:47:41,359
Speaker 1: of us, comes up and meets us. We sit and talk.

941
00:47:41,360 --> 00:47:43,520
Speaker 1: We're the only the Secret Service said, they were the

942
00:47:43,560 --> 00:47:46,080
Speaker 1: only people during this term that we're allowed to have

943
00:47:46,200 --> 00:47:50,359
Speaker 1: weapons around the president. We had knives and it got

944
00:47:50,360 --> 00:47:52,680
Speaker 1: to tim laughing. George Bush is on his hands, like

945
00:47:52,760 --> 00:47:55,200
Speaker 1: literally almost hands and knees, sucking wind. Something I said

946
00:47:55,320 --> 00:47:58,040
Speaker 1: to his press secretary, and then you know, aren't swartzening.

947
00:47:58,080 --> 00:48:02,880
Speaker 1: Youre a little fun thing there. But I was powerless

948
00:48:02,920 --> 00:48:05,040
Speaker 1: to make change that whole time. I was this close

949
00:48:05,080 --> 00:48:07,719
Speaker 1: to being fired because of some things I did. In

950
00:48:07,800 --> 00:48:09,560
Speaker 1: the end, one of the biggest fire chiefs in the

951
00:48:10,040 --> 00:48:12,520
Speaker 1: state came to me and said, I've never seen anybody

952
00:48:12,560 --> 00:48:14,320
Speaker 1: get away with the things you do, like what you

953
00:48:14,360 --> 00:48:16,320
Speaker 1: said to the president, which said to one of the

954
00:48:16,360 --> 00:48:19,440
Speaker 1: biggest chiefs down here in LA there are things that

955
00:48:19,440 --> 00:48:22,799
Speaker 1: you did that literally opened up the way. But that

956
00:48:22,880 --> 00:48:25,000
Speaker 1: was because of literally And he said. One of the

957
00:48:25,080 --> 00:48:29,120
Speaker 1: most like busiest experienced fire chiefs in the state of

958
00:48:29,120 --> 00:48:32,759
Speaker 1: California right now, he's now retired. He said, I've never

959
00:48:32,840 --> 00:48:34,920
Speaker 1: thought i was going to die. I never thought I

960
00:48:34,960 --> 00:48:37,719
Speaker 1: was gonna die until this week. I've never this is

961
00:48:37,760 --> 00:48:40,319
Speaker 1: a career fire. We'll never see this again. The entire

962
00:48:40,360 --> 00:48:42,160
Speaker 1: sanity gooes on fire. I was watching like we were

963
00:48:42,200 --> 00:48:45,280
Speaker 1: calling in tanker drops for apartment complexes. We're just literally

964
00:48:45,360 --> 00:48:47,239
Speaker 1: just dropping and there are people scattering. It was the

965
00:48:47,280 --> 00:48:51,200
Speaker 1: most insane fire storm I ever seen. And I was

966
00:48:51,239 --> 00:48:54,800
Speaker 1: able to get away with things because there was nobody

967
00:48:54,920 --> 00:48:57,360
Speaker 1: above me, you know what I mean. It was like

968
00:48:57,400 --> 00:49:01,680
Speaker 1: all of a sudden, the lion and the sheep separated.

969
00:49:02,200 --> 00:49:04,920
Speaker 1: I saw it all throughout the ranks, and now I'm like,

970
00:49:05,160 --> 00:49:07,920
Speaker 1: I want one more season. To be honest with you,

971
00:49:07,960 --> 00:49:10,959
Speaker 1: probably won't even go on a fire because where I work,

972
00:49:11,200 --> 00:49:15,239
Speaker 1: they're holding us back, and it's just it's a. I

973
00:49:15,280 --> 00:49:16,920
Speaker 1: want to make a difference so bad, but I don't

974
00:49:16,960 --> 00:49:18,879
Speaker 1: think I'm ever gonna get that opportunity. And I'm gonna

975
00:49:18,960 --> 00:49:22,359
Speaker 1: leave on a low point. So that's what's hard. That's

976
00:49:22,360 --> 00:49:26,279
Speaker 1: another thing's been keeping me. I don't know if this

977
00:49:26,360 --> 00:49:31,399
Speaker 1: is true or not. The things that you the thing

978
00:49:31,480 --> 00:49:34,239
Speaker 1: that you most want to find, will be found where

979
00:49:34,239 --> 00:49:38,480
Speaker 1: you least want to look. Yeah, I don't like hearing that.

980
00:49:40,960 --> 00:49:49,319
Speaker 1: Who would like hearing that? What if? What if that's true? Oh?

981
00:49:49,320 --> 00:49:51,320
Speaker 1: I don't know it's true. That's the problem. It is true.

982
00:49:53,719 --> 00:49:55,359
Speaker 1: I don't You're not gonna tak me how to leave,

983
00:49:55,520 --> 00:50:00,239
Speaker 1: But I don't know. Man, there are things have happening

984
00:50:00,280 --> 00:50:03,719
Speaker 1: literally this week where I work that are just I've

985
00:50:03,760 --> 00:50:08,800
Speaker 1: never had to deal with in my career. Horrible, horrible

986
00:50:08,800 --> 00:50:12,919
Speaker 1: that I'm not there. You know, this whole thing is this.

987
00:50:13,520 --> 00:50:15,839
Speaker 1: My life has been a whirlwind. I know yours as too.

988
00:50:15,960 --> 00:50:17,440
Speaker 1: We talk about it all the time, like we're just

989
00:50:17,480 --> 00:50:21,160
Speaker 1: like you know, we're always looking to make that next level,

990
00:50:21,400 --> 00:50:24,239
Speaker 1: you know, and be successful at the same time, be

991
00:50:24,320 --> 00:50:27,600
Speaker 1: true to ourselves. Our family are the people that listen

992
00:50:27,640 --> 00:50:31,560
Speaker 1: to us, try and inspire them, right, Yeah, I'll ever

993
00:50:31,640 --> 00:50:33,960
Speaker 1: forget the first time that somebody recognize you. When I

994
00:50:34,000 --> 00:50:37,120
Speaker 1: was around, you were so pumped because when you and

995
00:50:37,160 --> 00:50:39,000
Speaker 1: I first met, where was it? I don't remember. I

996
00:50:39,000 --> 00:50:41,160
Speaker 1: just remember like you're like, you know, dude, I'm getting

997
00:50:41,200 --> 00:50:43,840
Speaker 1: like I'm getting it's obvious, like it's like you made

998
00:50:43,840 --> 00:50:45,720
Speaker 1: that next step, like oh my gosh, I'm getting recognized

999
00:50:45,760 --> 00:50:49,040
Speaker 1: people recogoning. But you know, I think it probably happens

1000
00:50:49,160 --> 00:50:53,040
Speaker 1: more often. But my I'm bald with a beard. You

1001
00:50:53,120 --> 00:50:55,880
Speaker 1: have like a you've you've got a bro hawk. That

1002
00:50:56,040 --> 00:50:59,399
Speaker 1: is a good point. And so I see people looking

1003
00:50:59,440 --> 00:51:02,600
Speaker 1: at me all the time give me odd looks. Yeah,

1004
00:51:02,719 --> 00:51:05,440
Speaker 1: I see people sometimes snapping selfies with me in the

1005
00:51:05,480 --> 00:51:08,520
Speaker 1: aisle from like the other side, and I look and

1006
00:51:08,520 --> 00:51:10,520
Speaker 1: then they like disappear around the corner. I see him

1007
00:51:10,560 --> 00:51:13,640
Speaker 1: looking at me through the shelves, So it's awkward or

1008
00:51:13,680 --> 00:51:15,400
Speaker 1: like when people like look at you and they're immediately

1009
00:51:15,400 --> 00:51:18,080
Speaker 1: going to their phone, right right. Yeah, So it may

1010
00:51:18,160 --> 00:51:21,719
Speaker 1: happen more often than not, but yeah, it definitely is.

1011
00:51:22,480 --> 00:51:24,799
Speaker 1: It's more noticeable that white dude of the bro hawk

1012
00:51:25,120 --> 00:51:26,839
Speaker 1: is not very It's either me or the guy from

1013
00:51:26,920 --> 00:51:29,120
Speaker 1: rask with Actually that was me. I used to sing

1014
00:51:29,160 --> 00:51:33,040
Speaker 1: for rascals. What hurts the most it was being so close.

1015
00:51:33,320 --> 00:51:37,480
Speaker 1: Yeah yeah, but I think, okay, the last thing that

1016
00:51:38,280 --> 00:51:40,160
Speaker 1: I've totally gotten you off track out, No, no no, no, no,

1017
00:51:40,400 --> 00:51:46,080
Speaker 1: this is this is great the thing If that's true,

1018
00:51:47,640 --> 00:51:50,640
Speaker 1: that what you most want to find or what you

1019
00:51:50,719 --> 00:51:52,840
Speaker 1: most need to find, will be found where you least

1020
00:51:53,120 --> 00:52:00,239
Speaker 1: want to look. It also means that everything worthwhile life

1021
00:52:00,239 --> 00:52:03,880
Speaker 1: comes with a sacrifice. Oh yeah, So it's always a

1022
00:52:03,880 --> 00:52:07,000
Speaker 1: balancing act of figuring out whether that sacrifice is worth it.

1023
00:52:07,000 --> 00:52:09,719
Speaker 1: It's like making your marriage work. Yeah, yeah, hardest thing ever.

1024
00:52:10,080 --> 00:52:13,600
Speaker 1: It is that is, whatever you need to sacrifice to

1025
00:52:13,760 --> 00:52:18,839
Speaker 1: get what you're trying to get, is that worth it? So,

1026
00:52:19,239 --> 00:52:23,800
Speaker 1: whether it's security, whether it's fear, whether it's the glory,

1027
00:52:23,880 --> 00:52:26,719
Speaker 1: whether it's the fun, whether it's the something, whatever it is.

1028
00:52:29,680 --> 00:52:32,080
Speaker 1: That's I mean, that's a question we're always asking, Like,

1029
00:52:32,280 --> 00:52:35,040
Speaker 1: like in my business right now, it's like like we

1030
00:52:35,040 --> 00:52:38,200
Speaker 1: were talking about earlier, the sacrifice of like like the

1031
00:52:38,600 --> 00:52:44,359
Speaker 1: monetizing more now versus the long term growth potential, Like

1032
00:52:44,880 --> 00:52:47,759
Speaker 1: what is the better sacrifice? Check this out? So you

1033
00:52:47,800 --> 00:52:49,480
Speaker 1: know that I'm paying off my house and it's one

1034
00:52:49,520 --> 00:52:51,919
Speaker 1: of the hardest decisions I've ever made three percent. Right,

1035
00:52:52,400 --> 00:52:54,439
Speaker 1: it's the only debt I have. My wife's like, you've

1036
00:52:54,480 --> 00:52:56,640
Speaker 1: got to be true to your subscribers. You're telling to

1037
00:52:56,640 --> 00:52:57,920
Speaker 1: get on a debt, and I go, yeah, but I

1038
00:52:57,960 --> 00:52:59,680
Speaker 1: could literally paid off at this stock. I could paid

1039
00:52:59,680 --> 00:53:01,879
Speaker 1: off at that cryptocurrency. I could be you know, because

1040
00:53:01,920 --> 00:53:04,640
Speaker 1: I've I've built that up, right. But I found some

1041
00:53:04,680 --> 00:53:06,719
Speaker 1: really good reasons why too. And the biggest reason was

1042
00:53:06,760 --> 00:53:09,160
Speaker 1: to be true to everyone that I'm telling you this, right,

1043
00:53:09,360 --> 00:53:12,000
Speaker 1: But I chose the hard way. I didn't last month.

1044
00:53:12,040 --> 00:53:13,560
Speaker 1: I could have sold one stock to being off my house.

1045
00:53:13,760 --> 00:53:16,600
Speaker 1: I told him if it, let's work hard. Let's work hard,

1046
00:53:16,760 --> 00:53:19,600
Speaker 1: and let's pay it off. If there's a problem, something happens,

1047
00:53:19,719 --> 00:53:21,520
Speaker 1: like you said, I get fired, Okay, boom, we'll sell

1048
00:53:21,560 --> 00:53:24,239
Speaker 1: something like you saw like one in one of my

1049
00:53:24,280 --> 00:53:27,279
Speaker 1: investments twenty seven percent today, right, yeah, And so we're

1050
00:53:27,440 --> 00:53:30,319
Speaker 1: we're we're grinding to pay it off, which I'm going

1051
00:53:30,360 --> 00:53:32,520
Speaker 1: to appreciate that more and my wife appreciate it more,

1052
00:53:32,560 --> 00:53:35,120
Speaker 1: even if my assets drop than that amount of time.

1053
00:53:35,160 --> 00:53:37,600
Speaker 1: I think, honestly, we've just shown ourselves something. Because someone

1054
00:53:37,640 --> 00:53:39,960
Speaker 1: made a commented in one of my videos liked you've

1055
00:53:39,960 --> 00:53:42,319
Speaker 1: made like eight videos today. You're really working over hard

1056
00:53:42,360 --> 00:53:44,520
Speaker 1: to pay that house off. And I said, you are

1057
00:53:44,640 --> 00:53:51,239
Speaker 1: one hundred percent right, that's my motivation and and so yeah,

1058
00:53:51,280 --> 00:53:53,279
Speaker 1: like you said, the things that hurt the most are

1059
00:53:53,320 --> 00:53:56,680
Speaker 1: the hardest to do, you, they turn out to be

1060
00:53:56,680 --> 00:53:59,719
Speaker 1: the best. Yeah, and so that's why we're going through

1061
00:53:59,719 --> 00:54:01,560
Speaker 1: that right now. And yeah, once you pay that off,

1062
00:54:01,600 --> 00:54:03,400
Speaker 1: will be completely deaf free, everything wrapped up in the

1063
00:54:03,440 --> 00:54:08,120
Speaker 1: proper entities, legal entities. You know. Still have multiple businesses

1064
00:54:08,200 --> 00:54:10,359
Speaker 1: right now. I've scaled down. I got rid of three

1065
00:54:10,400 --> 00:54:13,080
Speaker 1: this year. It's last year. Holy cowdos amazing. I had

1066
00:54:13,080 --> 00:54:15,839
Speaker 1: to cut the fat. Yeah, businesses that were profitable, they

1067
00:54:15,840 --> 00:54:18,920
Speaker 1: weren't profitable enough. Yeah, get out of them. Yeah, get

1068
00:54:19,000 --> 00:54:23,279
Speaker 1: rid of certain business partners. Last thing, it's the the

1069
00:54:23,320 --> 00:54:27,560
Speaker 1: beta region paradox. Beta you or that beta region paradox.

1070
00:54:27,560 --> 00:54:30,960
Speaker 1: Talk about the difference beween betas and alpha's. A bunch

1071
00:54:31,000 --> 00:54:32,799
Speaker 1: of guys are aligned to themselves, wanting to be super

1072
00:54:32,840 --> 00:54:38,239
Speaker 1: alpha's and single all right, So, um, the beta region

1073
00:54:38,280 --> 00:54:45,200
Speaker 1: paradox is like, if you're in a mediocre situation, that

1074
00:54:45,320 --> 00:54:49,719
Speaker 1: can prevent you from getting into a great situation. We

1075
00:54:49,760 --> 00:54:53,000
Speaker 1: are talking about much more, Yeah, much more than a

1076
00:54:53,000 --> 00:54:57,080
Speaker 1: bad situation. So in that sense, a good situation can

1077
00:54:57,080 --> 00:54:59,440
Speaker 1: be worse than a bad situation. So like the example

1078
00:54:59,560 --> 00:55:02,239
Speaker 1: given is, if you're a mile away from something, you

1079
00:55:02,360 --> 00:55:04,360
Speaker 1: might choose to walk and it'll take you thirty minutes

1080
00:55:04,400 --> 00:55:06,719
Speaker 1: to get there. But if you're two miles away, then

1081
00:55:06,760 --> 00:55:09,080
Speaker 1: you'll decide to get an uber and you'll get there

1082
00:55:09,080 --> 00:55:13,880
Speaker 1: in five minutes. Okay, And so the worst situation is

1083
00:55:13,920 --> 00:55:16,279
Speaker 1: two miles away, but that ends up being actually better

1084
00:55:16,320 --> 00:55:19,520
Speaker 1: for you because it prompts different choice making. Yeah, that

1085
00:55:19,680 --> 00:55:23,800
Speaker 1: ends up with a better result. And so the beta

1086
00:55:23,840 --> 00:55:28,320
Speaker 1: region paradox is that sometimes we don't realize we're in

1087
00:55:28,360 --> 00:55:32,960
Speaker 1: a good situation, or maybe we do, but it's stopping

1088
00:55:33,040 --> 00:55:36,120
Speaker 1: us from taking action that would get us much much better.

1089
00:55:36,600 --> 00:55:39,560
Speaker 1: Because it's good. If we were in a much worse situation,

1090
00:55:39,640 --> 00:55:43,000
Speaker 1: we would have already chosen to make the lead. Well,

1091
00:55:43,000 --> 00:55:44,879
Speaker 1: you've every went through this. You were making a certain

1092
00:55:44,880 --> 00:55:48,520
Speaker 1: amount working in the industry, you worked in, you took

1093
00:55:48,560 --> 00:55:54,520
Speaker 1: a time where you left, you revamped yourself, you started

1094
00:55:54,680 --> 00:55:57,160
Speaker 1: all of this stuff. You know what you're doing now

1095
00:55:57,719 --> 00:56:02,200
Speaker 1: and you're gonna make multiples. Yeah, but the problem is

1096
00:56:02,239 --> 00:56:05,879
Speaker 1: is your co workers will stay stagnant making what they

1097
00:56:05,920 --> 00:56:08,360
Speaker 1: made because they're satisfied because they can get them in

1098
00:56:08,520 --> 00:56:10,839
Speaker 1: enough debt where they think they're rich enough. Yea, they

1099
00:56:10,880 --> 00:56:13,600
Speaker 1: have a Rolex. It's funny. I called a buddy of

1100
00:56:13,600 --> 00:56:15,040
Speaker 1: mine's jeweler and saying, hey, you know, I want to

1101
00:56:15,040 --> 00:56:16,520
Speaker 1: pick up a couple of Rolexes, but not yet. I

1102
00:56:16,520 --> 00:56:18,279
Speaker 1: want to wait till quarter to four. But you start

1103
00:56:18,320 --> 00:56:20,200
Speaker 1: looking ahead for me, because I know they're gonna start

1104
00:56:20,239 --> 00:56:23,160
Speaker 1: collapsing in prices. Yeah, And it's funny because everyone says

1105
00:56:23,200 --> 00:56:25,600
Speaker 1: lambos don't drop and Rolexes don't drop. It's because they

1106
00:56:25,600 --> 00:56:27,440
Speaker 1: haven't been investing as long. I I've already seen them

1107
00:56:27,480 --> 00:56:29,600
Speaker 1: drop two cycles and this one's gonna be really good.

1108
00:56:30,200 --> 00:56:31,919
Speaker 1: It's not gonna stop me from buying them. I'm gonna

1109
00:56:31,920 --> 00:56:35,759
Speaker 1: buy them. Win are dirt cheat. Yeah, But like I said,

1110
00:56:36,000 --> 00:56:38,200
Speaker 1: you've already had to make that sacrifice, and I know

1111
00:56:38,239 --> 00:56:40,600
Speaker 1: what you're getting at. You're like, oh if you if

1112
00:56:40,600 --> 00:56:43,040
Speaker 1: you step back, you're gonna make ten steps forward. So

1113
00:56:43,080 --> 00:56:45,680
Speaker 1: what I'm doing right now is instead of the obvious

1114
00:56:45,680 --> 00:56:47,320
Speaker 1: what a lot of people would say, like my co workers,

1115
00:56:47,880 --> 00:56:50,640
Speaker 1: why not leave in just ten X. Well, it's because

1116
00:56:50,640 --> 00:56:53,919
Speaker 1: i'mant eleven x because it's louder, but because someone else

1117
00:56:53,960 --> 00:56:56,279
Speaker 1: already has ten X and minds better. But my point

1118
00:56:56,280 --> 00:56:58,879
Speaker 1: being is that you know I'm already starting to work

1119
00:56:58,920 --> 00:57:01,680
Speaker 1: on personality things with me right now and conflicts I

1120
00:57:01,719 --> 00:57:03,879
Speaker 1: have in my own life. Yeah, I need to start

1121
00:57:03,880 --> 00:57:06,040
Speaker 1: selling more time so I can get more time, because

1122
00:57:06,040 --> 00:57:07,640
Speaker 1: I want to ten x what I'm doing right now.

1123
00:57:09,160 --> 00:57:13,240
Speaker 1: To me, the it sounds funny. The quitting is the hardest,

1124
00:57:13,800 --> 00:57:16,680
Speaker 1: but it's going to be the last, and I have

1125
00:57:16,720 --> 00:57:18,720
Speaker 1: a feeling it's going to come sort of in a

1126
00:57:18,760 --> 00:57:21,760
Speaker 1: magnanimous way. And I use magnanimous this time, not as large,

1127
00:57:21,760 --> 00:57:24,200
Speaker 1: which is how I always use that word, which's totally wrong,

1128
00:57:24,560 --> 00:57:27,360
Speaker 1: but in that huge forgiving kind of way, because I

1129
00:57:27,400 --> 00:57:29,600
Speaker 1: have to forgive myself and a lot of things I

1130
00:57:29,640 --> 00:57:32,240
Speaker 1: did wrong and that I'm set up myself and I

1131
00:57:32,280 --> 00:57:34,920
Speaker 1: can't look at myself sometimes I'm so pissed because I

1132
00:57:35,000 --> 00:57:38,600
Speaker 1: keep going back to my old ways. But also I've

1133
00:57:38,640 --> 00:57:40,440
Speaker 1: got to break through some other things before I can

1134
00:57:40,440 --> 00:57:42,840
Speaker 1: get to that. This is all maturity. And the only

1135
00:57:42,880 --> 00:57:45,000
Speaker 1: reason I'm sharing this with you and well I want

1136
00:57:45,000 --> 00:57:48,120
Speaker 1: to sort of break through this talk with you was

1137
00:57:48,160 --> 00:57:49,680
Speaker 1: because I think there's some people on the other side

1138
00:57:49,680 --> 00:57:52,560
Speaker 1: of this podcast. I need to hear this too, because

1139
00:57:53,920 --> 00:57:59,160
Speaker 1: I do really well. I'm so blessed. Man. I got

1140
00:57:59,160 --> 00:58:04,280
Speaker 1: issues and that's also the reason why I'm successful because

1141
00:58:04,280 --> 00:58:05,840
Speaker 1: people all the time they say the same thing, they go,

1142
00:58:05,880 --> 00:58:07,480
Speaker 1: I feel like I know you. I'm like because you do,

1143
00:58:07,760 --> 00:58:11,240
Speaker 1: because I'm not fake. You do know me. And right

1144
00:58:11,280 --> 00:58:12,880
Speaker 1: now you and me are talking exactly like we talked

1145
00:58:12,880 --> 00:58:15,520
Speaker 1: on the phone. Yeah, we haven't be able to talk

1146
00:58:15,560 --> 00:58:19,200
Speaker 1: like friends. Oh well, like right before this we did. Yeah,

1147
00:58:19,360 --> 00:58:21,080
Speaker 1: we haven't able to talk about Hey, how the kids doing,

1148
00:58:21,120 --> 00:58:23,200
Speaker 1: How the wife doing? You know, how, how's business? You know,

1149
00:58:23,240 --> 00:58:25,560
Speaker 1: it's like now after this we get to go hang

1150
00:58:25,600 --> 00:58:27,720
Speaker 1: out with the wives. Thank eavms. But it's like, yeah,

1151
00:58:27,760 --> 00:58:29,280
Speaker 1: it's like I got a feeling this is going to

1152
00:58:29,360 --> 00:58:32,960
Speaker 1: be your best ever right here. Not gonna quit as yet. Well,

1153
00:58:33,160 --> 00:58:36,280
Speaker 1: if everybody's telling you, like, hey, you're crazy and you're

1154
00:58:36,320 --> 00:58:37,880
Speaker 1: doing it for a reason that you know you should,

1155
00:58:38,640 --> 00:58:43,680
Speaker 1: then don't. Don't made me cry. On the things that

1156
00:58:43,720 --> 00:58:45,800
Speaker 1: you can yield on can yield. But when you know

1157
00:58:45,840 --> 00:58:47,960
Speaker 1: there's something that you need to do and something you

1158
00:58:48,000 --> 00:58:52,520
Speaker 1: need to finish, no matter who tells you that's what

1159
00:58:52,600 --> 00:58:55,000
Speaker 1: I'm doing. You need to stand up and stand your

1160
00:58:55,000 --> 00:58:58,600
Speaker 1: ground because that's what it'll be worth it in the

1161
00:58:58,600 --> 00:59:01,120
Speaker 1: long run. It's hard, Like I've got one month left

1162
00:59:01,200 --> 00:59:06,080
Speaker 1: I go back, and what's crazy is being gone and

1163
00:59:06,120 --> 00:59:09,480
Speaker 1: the guys watching me all around the nation sometimes in

1164
00:59:09,520 --> 00:59:14,160
Speaker 1: the world, and the difference in the dynamics and the relationships.

1165
00:59:15,000 --> 00:59:17,000
Speaker 1: I have no idea what the next six months holds

1166
00:59:17,040 --> 00:59:20,240
Speaker 1: for me. This possibly is my last fire season, like

1167
00:59:20,320 --> 00:59:23,680
Speaker 1: I think total of twenty five fire seasons, and ironically,

1168
00:59:24,080 --> 00:59:25,960
Speaker 1: it's going to be one of the biggest grass growing

1169
00:59:26,040 --> 00:59:28,080
Speaker 1: years I've ever seen. We're literally gonna be dealing with

1170
00:59:28,080 --> 00:59:33,160
Speaker 1: flash floods and no, there's gonna be massive fires. Oh,

1171
00:59:33,200 --> 00:59:36,640
Speaker 1: because grass is what starts fires. That's the biggest fire. No,

1172
00:59:36,920 --> 00:59:40,440
Speaker 1: it dries literally in one summer. So we have so

1173
00:59:40,520 --> 00:59:43,080
Speaker 1: much rain right now in California because I don't know,

1174
00:59:43,120 --> 00:59:45,840
Speaker 1: if you know, this climate change just went away clos

1175
00:59:45,840 --> 00:59:49,280
Speaker 1: Schwab is wrong, and so we have so much of

1176
00:59:49,320 --> 00:59:51,920
Speaker 1: a grass crop growing right now. It'll probably be the

1177
00:59:51,920 --> 00:59:54,800
Speaker 1: thickest grass I've ever seen in my career as a firefighter,

1178
00:59:55,080 --> 00:59:57,960
Speaker 1: which means like literally, if they don't get on top

1179
00:59:58,000 --> 01:00:01,920
Speaker 1: of mowing fast enough, you'll have so many roadsides, vegetation starts.

1180
01:00:02,000 --> 01:00:06,080
Speaker 1: You'll see in October magic happen. I mean we're talking

1181
01:00:06,120 --> 01:00:08,840
Speaker 1: like smoke and flames, and so I don't know what

1182
01:00:08,840 --> 01:00:10,680
Speaker 1: this next six months has for me. I might be

1183
01:00:10,760 --> 01:00:12,560
Speaker 1: gone before then, I might still be there. You know,

1184
01:00:13,120 --> 01:00:16,240
Speaker 1: it's gonna be crazy. My last day before I left

1185
01:00:16,240 --> 01:00:18,720
Speaker 1: for five months, I did a video, a YouTube video,

1186
01:00:18,760 --> 01:00:21,040
Speaker 1: and I got so much support, you know, and the

1187
01:00:21,080 --> 01:00:24,240
Speaker 1: guys watch that video too, and it's like, now I'm

1188
01:00:24,240 --> 01:00:25,560
Speaker 1: gonna go back, and I'm like, I don't even know

1189
01:00:25,600 --> 01:00:29,040
Speaker 1: how to act. Yeah, it's crazy. I've gotten to wake

1190
01:00:29,120 --> 01:00:32,120
Speaker 1: up with my wife for four months in a row.

1191
01:00:32,840 --> 01:00:36,320
Speaker 1: I've lived away from my family half of my life. Yeah,

1192
01:00:36,400 --> 01:00:39,200
Speaker 1: this is gonna be crazy, you know. But like in

1193
01:00:39,240 --> 01:00:41,120
Speaker 1: the next six months, I'm like, where's Joe gonna be,

1194
01:00:41,200 --> 01:00:43,160
Speaker 1: whereas Chris can be? Where all of our buddy's gonna be.

1195
01:00:43,760 --> 01:00:46,400
Speaker 1: Like I'm so excited because all I see is growth

1196
01:00:46,400 --> 01:00:50,200
Speaker 1: around me because I hang out with good people. You know,

1197
01:00:50,320 --> 01:00:52,960
Speaker 1: iron sharpens iron, right, Yeah, we talk about the like

1198
01:00:53,040 --> 01:00:56,080
Speaker 1: the real stuff. We bust each other's balls all the time.

1199
01:00:56,120 --> 01:00:58,560
Speaker 1: But I mean, I can't wait to see what the

1200
01:00:58,560 --> 01:01:00,120
Speaker 1: next six months. Like I mean, we're going to be

1201
01:01:00,120 --> 01:01:03,320
Speaker 1: in the middle of craptown with the economy, but like

1202
01:01:03,880 --> 01:01:05,800
Speaker 1: we get to be on the winning side. We're trying

1203
01:01:05,800 --> 01:01:08,200
Speaker 1: our hardest to people. Are you sure if you look

1204
01:01:08,200 --> 01:01:11,840
Speaker 1: on your face was pure murder? What are you doing, dude?

1205
01:01:12,240 --> 01:01:14,120
Speaker 1: Well I was, I was gonna. I was gonna start

1206
01:01:14,160 --> 01:01:16,400
Speaker 1: recording again so we could we could start off fresh

1207
01:01:16,440 --> 01:01:19,680
Speaker 1: with a different mentality going into it. But that was good.

1208
01:01:19,840 --> 01:01:22,760
Speaker 1: I wonder how this will end up. Yeah, it's the stuff.

1209
01:01:22,760 --> 01:01:25,280
Speaker 1: It's funny. You won't see anyone's comments. I won't see

1210
01:01:25,280 --> 01:01:28,720
Speaker 1: anyone's comments. Yeah, he's throwing it out there for people

1211
01:01:28,720 --> 01:01:31,440
Speaker 1: to see. Well, if you guys enjoyed this, share it

1212
01:01:31,640 --> 01:01:33,840
Speaker 1: and thank you so much for hanging in there with

1213
01:01:33,920 --> 01:01:38,000
Speaker 1: a very different episode. But it's I think it'll be

1214
01:01:38,200 --> 01:01:44,080
Speaker 1: very helpful and inspiring. So man, all right, we'll talk

1215
01:01:44,080 --> 01:01:45,560
Speaker 1: to you guys and see you next week.