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Speaker 1: Welcome to How to Money. I'm Joel, and today the

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Speaker 1: topic is owning your Time, how to build a life

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Speaker 1: you control with Andy Hill. Okay, so we all get

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Speaker 1: the same twenty four hours, but it sure doesn't always

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Speaker 1: feel that way, does it. Why is it that some

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Speaker 1: people seem to have time for hobbies, for meaningful conversations,

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Speaker 1: even that slow cup of coffee, while others are just

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Speaker 1: trying to survive the day on repeat? Today we're breaking

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Speaker 1: down what it really takes to build a life that

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Speaker 1: feels enjoyable, sustainable, and manageable, not rushed and reactive. And

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Speaker 1: a big part of that equation smart money decisions right

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Speaker 1: and intentional choices about how we choose to spend our time.

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Speaker 1: My friend Andy Hill is here to share his wisdom.

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Speaker 1: Andy runs marriage, kids and money. He's the real deal.

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Speaker 1: He's someone who has put in the work and has

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Speaker 1: built a life guided by values, freedom and family. He

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Speaker 1: wrote the new book Own Your Time, so a lot

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Speaker 1: of what we're going to talk about today kind of

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Speaker 1: comes from that book, and everything he shared is going

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Speaker 1: to share today really does come from personal experience, not theory.

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Speaker 1: So Andy, thank you so much for joining me today

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Speaker 1: on the pod.

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Speaker 2: Joel, I'm so glad to be back and thank you

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Speaker 2: for this great introduction. I appreciate it, man, of course.

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Speaker 1: Man, and I'm so excited to dig into this. But

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Speaker 1: first questions have to be asked, and that is like,

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Speaker 1: what do you like to splurge on soft beer equivalent? Baby?

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Speaker 1: What is it for you?

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Speaker 2: For me, it is family vacations. You and I were

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Speaker 2: doing a little insight baseball before we talked, and we

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Speaker 2: got some cold weather here, man, and I love wasting

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Speaker 2: money on very warm vacations in the time. And I

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Speaker 2: don't compare shop price, compare enough. I just like just

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Speaker 2: book by go. I'm cold, you know, all right?

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Speaker 1: If I was as cold as you are and had

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Speaker 1: to shovel snow up the driveway as much as you do.

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Speaker 2: Oh yeah, it's been a nasty winter so far.

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Speaker 1: I might lean into that too. Are you looking like

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Speaker 1: fancy island getaway or like car trip down to Florida?

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Speaker 2: Our thing is we like to go to all inclusive

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Speaker 2: family resorts in Cancun. That is our jam. It's like

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Speaker 2: it's we try to do five to seven days. You

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Speaker 2: just kind of live on this campus and they've got

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Speaker 2: all the amenities for your kids to feel entertained and

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Speaker 2: have a good time, and then you've got your food

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Speaker 2: taken care of and it is warm and it's beautiful.

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Speaker 1: That is our favorite. That sounds nice. I've never I've

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Speaker 1: done an all inclusive once, so I'm not gonna lie.

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Speaker 1: I'm a little antsy at them, sure, because I'd rather

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Speaker 1: go out and explore most there, yep, but to each

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Speaker 1: their own. And I've never done one with kids. How

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Speaker 1: did that usually work out? Pretty well?

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Speaker 2: It's been great. We've been doing it ever since they

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Speaker 2: were young, and it is it's changed as they've grown.

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Speaker 2: You know, when they were little kids, they do the

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Speaker 2: play place and they get to play in the kids club,

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Speaker 2: and then they got to a point where like, don't

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Speaker 2: send me to that kid's club anymore. I'm a preteen

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Speaker 2: and I'm you know, I'm a teenager. And then they

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Speaker 2: they but they're on this safe campus where they get

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Speaker 2: to walk around and play volleyball with other people and

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Speaker 2: other families, and life's good, man. It's a nice it's

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Speaker 2: a nice way to vacation.

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Speaker 1: I love it, all right. So talk to me about

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Speaker 1: your twenties when you didn't own your time? What was that?

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Speaker 1: What was that? Period of your life, like.

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Speaker 2: Yeah, man, well you know in our in our late twenties,

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Speaker 2: that's when my wife and I got together. I'm so

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Speaker 2: glad to have met this wonderful woman in my life.

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Speaker 2: And we didn't own our time really. At the beginning

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Speaker 2: of our relationship, we both had two full time corporate careers,

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Speaker 2: working you know, fifty sixty hours a week, A lot

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Speaker 2: of it would bleed into the weekends, you know, the

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Speaker 2: laptop on the bed type of emails, dealing with clients

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Speaker 2: on the phone, that type of stuff. And then we

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Speaker 2: started to think about having kids during that time, and

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Speaker 2: we said, hey, wouldn't that be great to become parents.

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Speaker 2: And the big realization that came to us is like, well,

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Speaker 2: we want to spend time with these kids. We want

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Speaker 2: to spend time with each other, because when we started dating,

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Speaker 2: we spent a lot of time with each other. But

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Speaker 2: now these careers are kind of taking over us, trying

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Speaker 2: to climb the corporate ladder and it's not seeming to equate.

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Speaker 2: So we were in a kind of in a stuck

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Speaker 2: position saying, okay, well, we want to have the family

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Speaker 2: life where we can, you know, be good spouses to

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Speaker 2: each other and have fun and then also be present

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Speaker 2: parents where we're raising these kids and not just handing

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Speaker 2: them off, and how do we do that? And that

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Speaker 2: was a stuck moment for us in our late twenties.

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Speaker 1: So was it the we're gonna have kids, something that's

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Speaker 1: got to change? Was that a big part of it?

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Speaker 1: Was there a certain like when you started to ask

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Speaker 1: these questions, did you look into net worth and your

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Speaker 1: finances and you're like, there's just no way we're gonna

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Speaker 1: be able to live the life we want to live

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Speaker 1: time wise if we don't change something about our finances.

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Speaker 2: That was exactly it.

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Speaker 1: Man.

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Speaker 2: We said, Hey, we're bringing Zoe into the world in

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Speaker 2: the next six months. What do we have to do

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Speaker 2: to prepare to make sure she has a great life

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Speaker 2: and that we actually get to spend some time with her.

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Speaker 2: And for my wife, she really did not like her

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Speaker 2: job more so than I didn't like my job, And

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Speaker 2: she's like, wouldn't it be great if I could work

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Speaker 2: part time or eventually like full time stay at home

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Speaker 2: on Like how do we do that? And for me,

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Speaker 2: I went into Papa Bear protection mode, like what's the

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Speaker 2: way that I can give my daughter a great life?

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Speaker 2: And for me, that was like finances, what can I

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Speaker 2: do to help write our situation. I remember watching the

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Speaker 2: Susie Orman Show around that time, and she was kept

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Speaker 2: on talking about net worth net worth over again. On

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Speaker 2: the show, it was called how Am I Doing. It

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Speaker 2: was one of those segments where she'd analyze somebody's financial

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Speaker 2: situation and she'd give them a letter grade, like between

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Speaker 2: A and F. And I kept on saying to myself

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Speaker 2: at the time, well, I'm sure we'd get an A

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Speaker 2: on the show because combined we're making like one hundred

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Speaker 2: and thirty thousand dollars. We're doing really well. You know,

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Speaker 2: we make a lot of money. But she kept on

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Speaker 2: talking about this term net worth net worth, and I'm like, okay, well,

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Speaker 2: I wonder what our net worth is. Went up on

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Speaker 2: the big white board up in our guest room and

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Speaker 2: started write it down assets on one side, liabilities on

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Speaker 2: the other. Quickly found out we were not rich. We

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Speaker 2: were making a lot of money, but we were spending

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Speaker 2: all of it, and we had a negative fifty thousand

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Speaker 2: dollars net worth. And so that became a moment for

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Speaker 2: me to be like, okay, well, if I'm going to

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Speaker 2: give Zoe a great life, and try to own more

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Speaker 2: of my time. I better get this money situation well,

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Speaker 2: because of course I'd like to work, you know, less hours,

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Speaker 2: and my wife to work less hours, but we don't

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Speaker 2: have the money to show for it, or we don't

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Speaker 2: have the financial strength to make that a possibility. So

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Speaker 2: that became the starting point for us to start improving

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Speaker 2: our situation from that negative net worth situation.

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Speaker 1: And the net worth doesn't lie right, It kind of

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Speaker 1: delivers the straight, hard, sobering truth. Sometimes you said you

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Speaker 1: changed your focus through I think you called it in

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Speaker 1: the book spirited marital compromise. What did the nitty gritty

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Speaker 1: of that look like?

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Speaker 3: If anybody who's been married, you know, you know what

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Speaker 3: those gentle terms mean.

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Speaker 1: You know.

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Speaker 2: For me, it was so clear. I saw the net worth,

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Speaker 2: I saw the debt. I saw the fact that if

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Speaker 2: we invested more and had a higher savings rate, that

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Speaker 2: we would be able to get out of this mess.

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Speaker 2: And so when I started to use those terms with

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Speaker 2: her net worth and debt freedom and spending less and

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Speaker 2: increasing our savings rate, her immediate reaction was like, that

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Speaker 2: sounds like deprivation, dude, that does not sound like fun.

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Speaker 2: I'm looking for more fun. I am, I'm not happy.

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Speaker 2: I am pregnant currently, I am working at a job

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Speaker 2: that I don't like, and you're talking about doing less

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Speaker 2: fun stuff. So you're gonna have to come back with

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Speaker 2: something better, you know. And so for me, I'm like,

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Speaker 2: what this was? This was such a perfect idea. I've

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Speaker 2: already worked it out on a map, and you know,

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Speaker 2: if we increase our net worth then we can have

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Speaker 2: more freedom. And what's you know, what's the problem. And

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Speaker 2: then I thought about it. I'm like, I wasn't speaking

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Speaker 2: in her terms at all. She's pregnant, she hates her job.

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Speaker 2: Speak about the things that you get from this work man,

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Speaker 2: think about the payoff. And so when I started to

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Speaker 2: speak to her in the in those terms of saying, hey,

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Speaker 2: you are pregnant, you're working at a job you don't like.

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Speaker 2: You want to be a to start working part time

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Speaker 2: and eventually full time, right, wouldn't that be great? Yes,

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Speaker 2: that would be great. Okay. So once I started to

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Speaker 2: speak in her language, then it was Okay, what do

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Speaker 2: we need to do financially in order to make those

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Speaker 2: changes happen? And so for us, that was getting on

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Speaker 2: the same page for those dreams her dream at the

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Speaker 2: time was working less at a job she didn't like,

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Speaker 2: and my dream was like quickly follow her after that eventually,

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Speaker 2: so that I could spend some time with my children

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Speaker 2: and spend more time with her and take care of

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Speaker 2: my health. I had more time for fun and less

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Speaker 2: time for work, and so that became our dream goals together.

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Speaker 1: Can you toss out some ideal like conversation starters or

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Speaker 1: maybe questions that can get the ball rolling for a

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Speaker 1: couple who feels stuck, maybe kind of like where you

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Speaker 1: guys were back then, like trying to get on the

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Speaker 1: same page, but maybe it feels like you're speaking different languages.

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Speaker 2: Yeah, I would say, don't do it like I did

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Speaker 2: where I started off talking about the numbers and calculating

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Speaker 2: the net worth and all that stuff. That's just a

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Speaker 2: quick way to turn your spouse off and have them

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Speaker 2: not listen. Start with dreaming. You know, we used to

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Speaker 2: do this when we were kids all the time, Joel.

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Speaker 2: We used to sit and say what am I going

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Speaker 2: to be when I grow up? Or where am I

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Speaker 2: going to go? Or who am I going to do?

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Speaker 2: Who am I going to do it with? You know,

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Speaker 2: things like that, and then we get to get into

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Speaker 2: our corporate jobs, and we get married and we have kids,

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Speaker 2: and then we stop dreaming, like because we're so busy

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Speaker 2: just going. So if you could just take some time

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Speaker 2: personally to sit there for call it fifteen minutes, just

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Speaker 2: to think about what would your ideal work week look like,

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Speaker 2: what would your ideal life look like, and where you

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Speaker 2: see yourself in five to ten years and have that

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Speaker 2: be a happy, happy moment. What does that life look

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Speaker 2: like for you? You start to write those things down,

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Speaker 2: you have a fun exercise with it. Some people have

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Speaker 2: a difficulty with dreaming too, They kids, I don't know,

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Speaker 2: you know, I don't know what I want. Okay, let's

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Speaker 2: think about it in the opposite way. Let's say you

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Speaker 2: go to your mailbox and there is a five million

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Speaker 2: dollar check in there and it's made out to you

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Speaker 2: and you don't have to worry about taxes or if

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Speaker 2: this being an illegal crypto scheme. It's like, it's really

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Speaker 2: your right and it goes to your account. What is

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Speaker 2: the first thing that you stop doing immediately because you

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Speaker 2: have the financial security that can be fun, right, So

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Speaker 2: it's exercises like these that you can do personally. Then

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Speaker 2: you start to write those things down. Then you get

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Speaker 2: excited about moving forward because you have those dreams written down,

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Speaker 2: You have that why written down. After you've done it,

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Speaker 2: ask your spouse to do the same thing, Say hey,

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Speaker 2: play this game with me. Let's dream together, let's have

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Speaker 2: some fun. Where do you want to go in your life?

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Speaker 2: What do you want to do? Yeah, you don't like

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Speaker 2: your job, that's cool. What would you want to be

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Speaker 2: doing with your time? Would you want to own your

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Speaker 2: own business? Would you want to spend more time with

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Speaker 2: the kids or just being a stay at home parent?

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Speaker 2: Sound like like just as bad as having a toxic

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Speaker 2: corporate job. You know, Like, talk to me about that

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Speaker 2: dream with me, and then you do that exercise, do

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Speaker 2: it over of dinner, do it over coffee, do it

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Speaker 2: over something fun, so it's not just like grinding through

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Speaker 2: the numbers. And then once you learn each other's goals,

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Speaker 2: then you figure out how you can make those family

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Speaker 2: goals together and move towards them together as a team.

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Speaker 2: Because this stuff is so difficult and it takes a

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Speaker 2: long time to do, you're gonna need a partner there

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Speaker 2: with you the entire time, not only encouraging you, but

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Speaker 2: helping you along. And then you doing the same thing

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Speaker 2: to them.

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Speaker 1: What are the habits would you say that most directly

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Speaker 1: lead to helping people buy their time back.

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Speaker 2: Yeah, I would say a good understanding of where the

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Speaker 2: money is coming in and where it's going is a

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Speaker 2: great place to start.

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Speaker 1: So once you it sounds so basic, but it's basic absolutely.

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Speaker 1: But when you ask the average person like where their

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Speaker 1: money is going or how much how much is your

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Speaker 1: mortgage or how much money do you spend every month

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Speaker 1: on subscriptions, they look at you and they might, you know,

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Speaker 1: hesitate to guess, they might try to guess. But then

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Speaker 1: the truth is so many people don't really know absolutely.

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Speaker 2: The first thing they do know is how much they make, right,

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Speaker 2: everybody's very prideful of that. I know how much I make.

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Speaker 2: You know how much you make. It's like it's like

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Speaker 2: a nice ego thing. It's like I made that, you know,

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Speaker 2: But where's it going? Well, I'm not really sure you know.

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Speaker 2: Like that that's more important than how much you're making. Really,

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Speaker 2: because you could make a million dollars, you spend a

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Speaker 2: million dollars, you don't know where it goes. There's no

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Speaker 2: margin there to buy back your time and move in

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Speaker 2: the direction that you want to go. So the goal

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Speaker 2: with that is to understand how much it's coming in

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Speaker 2: and where it's going, looking at where it's going, and

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Speaker 2: then having some intentionality with it. Do I want to

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Speaker 2: be spending on these things that I am? Does this

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Speaker 2: move us in the direction of those goals and dreams

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Speaker 2: that we have together? Sweetheart? You know? Does that help

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Speaker 2: us to do that? And if it doesn't, find ways

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Speaker 2: to reduce or eliminate those types of things. And then

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Speaker 2: with that margin in between your income and your expenses,

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Speaker 2: that's your power. Move that gap between your income and

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Speaker 2: your expenses, that's your power to start building wealth for

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Speaker 2: your family so that you can buy back your time.

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Speaker 2: So finding out what that in and out is and

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Speaker 2: then how much margin you have that can really be

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Speaker 2: your major power move to start.

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Speaker 1: I think so often people are worried that they start

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Speaker 1: this process and they're going to enter into this phase

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Speaker 1: of austerity, right, and they're like, yeah, I want to

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Speaker 1: accomplish those things, but I don't want to cut out

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Speaker 1: all joy in the process, right, So how do we

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Speaker 1: reduce our expenses and so that we can get closer

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Speaker 1: to achieving those goals that we have for ourselves? Where

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Speaker 1: that money is the power to help us get there

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Speaker 1: without feeling like we're constantly depriving ourselves.

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Speaker 2: It's a great question, and it can be a slippery

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Speaker 2: slope because if you cut your expenses too much, then

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Speaker 2: you're really cutting out the joy in your life. So

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Speaker 2: you got to just start with the things that are

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Speaker 2: obvious and on the surface, start with the little things

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Speaker 2: like what subscriptions do I have right now that I'm

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Speaker 2: not even using? Oh, okay, that's an easy cut. What

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Speaker 2: are my insurance plans that I have. I've been with

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Speaker 2: the same provider for like three years, and they've they'd

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Speaker 2: be consistently jacking up the price on my home and

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Speaker 2: insurance and homeowner my auto insurance. Maybe I should, you know,

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Speaker 2: renegotiate and get a better deal and maybe save a

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Speaker 2: thousand bucks by bundling things together. Like little things like

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Speaker 2: that are quick power moves that you can do probably

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Speaker 2: in an afternoon, that might save you thousands of dollars immediately.

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Speaker 2: And that's like in an afternoon, and then you can

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Speaker 2: say some of the bigger, bigger things, Okay, what are

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Speaker 2: we spending on housing, transportation, food that is really kind

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Speaker 2: of eating into our budget? Are we did we buy

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Speaker 2: a house that maybe we expected to have a family

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Speaker 2: of six or a family of four and we've only

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Speaker 2: had one child? Like, is this house holding us back

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Speaker 2: from owning more of our time and being able to

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Speaker 2: spend more of it? Some people, that can be a

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Speaker 2: very big decision. Transportation, What are we spending on our cars?

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Speaker 2: How much are we spending? Is this something that we

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Speaker 2: can bring back a little bit in order to own

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Speaker 2: more of our time? Food? Same thing. A lot of

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Speaker 2: discussions around this can happen. But to your point, you

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Speaker 2: can only cut so far before you or your spouse says,

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Speaker 2: hey man, this can't all be about deprivation. This can't

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Speaker 2: all be about cutting cutting. What else can we do?

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Speaker 2: And the other thing to think about is like what

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Speaker 2: can I do to increase my income during this time

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Speaker 2: period so that it doesn't always have to be cut

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Speaker 2: cut cut, And so looking at where you're making money

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Speaker 2: already and saying, okay, am I due for a raise?

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Speaker 2: Do I deserve a rays? Is there ways that I

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Speaker 2: can make more money during this timeframe? You know, whether

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Speaker 2: that be bonuses, commissions, referrals, other ways to look at

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Speaker 2: earning income in order to bring more money in What

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Speaker 2: Something that my wife and I like to do, like

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Speaker 2: probably once a quarter is just walk around our house

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Speaker 2: and see things that we don't use anymore and put

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Speaker 2: them up on Facebook, Marketplace or Craigslist and then grab

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Speaker 2: like a couple hundred bucks or five hundred bucks just

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Speaker 2: from selling stuff that's laying around the house. We just

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Speaker 2: did that yesterday. We sold what do we sell? A

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Speaker 2: shuffle board that we've had sitting at our house. We

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Speaker 2: haven't used it in like a year. It was cool,

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Speaker 2: it's a cool idea a couple of year years ago,

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Speaker 2: but somebody else wanted to give it a home for

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Speaker 2: a couple hundred bucks and we're like, okay, that's two

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Speaker 2: hundred dollars that we can use for our goals or

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Speaker 2: just to have fun this weekend, maybe pay a babysitter

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Speaker 2: to support us to spend more time together. So I

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Speaker 2: think it's just being intentional about the money, looking at

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Speaker 2: it and saying, what can I do to make some

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Speaker 2: changes that help me move in that general direction.

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Speaker 1: And some people are willing to go more extreme than others,

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Speaker 1: and so much that depends on how quickly you want

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Speaker 1: to reach that goal and what your goal is. So

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Speaker 1: I rememberless hearing from a listener recently who moved locations.

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Speaker 1: They went to a cheaper cost of living. They were

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Speaker 1: able to sell their home that had appreciated value and

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Speaker 1: buy that home with cash in this cheaper place to live,

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Speaker 1: and so now they own their time in a way

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Speaker 1: that if they had stuck it out in a more

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Speaker 1: expensive city, they wouldn't have. And that's not for everybody,

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Speaker 1: but you should at least put that stuff on the list,

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Speaker 1: and it should at least be a topic of discussion.

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Speaker 1: I think you might say, no, like living ten minutes

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Speaker 1: from family, We're we have this great community here, We're

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Speaker 1: not going to leave that. It's not worth reaching our

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Speaker 1: goal sooner. But do you I think maybe some of

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Speaker 1: those more extreme measures should at least be like fodder

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Speaker 1: for discussion.

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Speaker 2: I think they should be part of the discussion. And

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Speaker 2: they don't always have to be so extreme too. Like

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Speaker 2: I spoke to a woman on my podcast named Sandra,

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Speaker 2: and she said that she didn't downsize, she right sized,

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Speaker 2: so she had a big yard. Never used the yard,

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Speaker 2: but always took care of it, pulling weeds, cutting it.

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Speaker 2: You know, you know, just so much time spent taking

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Speaker 2: care of a yard that she's not even using and

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Speaker 2: she said, well, what if I just got the same

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Speaker 2: size house but just less of a yard. And she's

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Speaker 2: so happy that she's not spending so much time out

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Speaker 2: there anymore. She's able to actually enjoy more of her life.

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Speaker 2: And so it's like big those might seem like big decisions,

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Speaker 2: but they could be big changes. We don't always have

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Speaker 2: to do the script of what's told us to us.

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Speaker 2: You know, have the big, big house, big yard, you know,

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Speaker 2: great whatever, whatever, big cars, things like that. Decide what's

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Speaker 2: best for you and then again, make sure you're having

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Speaker 2: those discussion with a partner and ensuring it's assuring it's

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Speaker 2: a fit.

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Speaker 1: You're not a fan of debt. I'm not either for

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Speaker 1: the most part, but like the well, how much you're

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Speaker 1: paying every single month towards the credit card company or whatever,

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Speaker 1: that can influence your ability right to own your time.

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Speaker 1: The more money you owe other people, the more income

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Speaker 1: you have to be making or try to pay that

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Speaker 1: down that debt more quickly. And you in your book

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Speaker 1: you talk about the debt hatred method. I hadn't heard

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Speaker 1: of this before. You want to talk to me about that?

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Speaker 2: Yeah, you know, you maybe heard of the dead Snowball

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Speaker 2: or deat Avalanche. These are just different methodologies to say, Okay,

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Speaker 2: I've lined up my debts. You know, I understand how

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Speaker 2: much I owe and what the interest rates are on

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Speaker 2: those debts. The debt hatred method, which I think is

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Speaker 2: pretty funny, is like line up the ones that you

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Speaker 2: hate the most to the ones you hate the least,

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Speaker 2: and you know, let the interest rates be aside. Let's

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Speaker 2: say you owe some money to your brother and you

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Speaker 2: really don't you know, you don't pay a lot of

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Speaker 2: interest on it, but man, you pay a lot of

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Speaker 2: them emotional problems on that debt and you hate it.

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Speaker 2: It's like, well, pay that baby off first. Or let's

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Speaker 2: say you borrowed some money to go to your school

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Speaker 2: and you owe those student loans and you never use

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Speaker 2: that degree, and it just makes you mad that you

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Speaker 2: even got the student loans because you still own them.

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Speaker 2: It's like, pay that baby off as fast as possible, too,

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Speaker 2: because that emotional relief that you get from those things

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Speaker 2: being out of your life and you never have to

417
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Speaker 2: think about them again could be the best momentum that

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Speaker 2: you have on your debt free journey.

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Speaker 1: You briefly mentioned in the book too getting your NBA

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Speaker 1: and the time, the money that it costs to go

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Speaker 1: back to school and get that degree. So much of

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Speaker 1: that depends on the individual degree and the individual person.

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Speaker 1: Because my wife just went back to school got a

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Speaker 1: graduate degree. She's using it and loving it. She's like

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Speaker 1: so thrilled to be in the career that she's in.

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Speaker 1: But clearly, especially in today's day and age, the decision

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Speaker 1: whether or not to go to college at all, the

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Speaker 1: decision whether or not to get an advanced degree with

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Speaker 1: you know, how valuable it might or might not be,

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Speaker 1: and how costly it might be. How should people think

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Speaker 1: about the value of additional schooling and how that can

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Speaker 1: either maybe accelerate their ability to own their time or

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Speaker 1: hamper it.

434
00:20:15,840 --> 00:20:18,600
Speaker 2: Yeah, I think that's a great question. And as a parent,

435
00:20:18,640 --> 00:20:21,040
Speaker 2: I'm thinking about that so much as we're trying to

436
00:20:21,080 --> 00:20:23,679
Speaker 2: build up our five twenty nine accounts to pay for

437
00:20:23,760 --> 00:20:26,480
Speaker 2: our kids to go to school, and it will be

438
00:20:26,640 --> 00:20:29,520
Speaker 2: hundreds of thousands of dollars by the time they go,

439
00:20:29,600 --> 00:20:33,520
Speaker 2: and I'm constantly questioning, well, should I just build this

440
00:20:33,600 --> 00:20:35,360
Speaker 2: up in an account and just hand it to them

441
00:20:35,359 --> 00:20:38,160
Speaker 2: and just say good luck and build your own business

442
00:20:38,240 --> 00:20:39,600
Speaker 2: and make that work. Because you're going to have a

443
00:20:39,600 --> 00:20:42,000
Speaker 2: big step ahead with hundreds of thousands of dollars to

444
00:20:42,040 --> 00:20:44,560
Speaker 2: do this. And then I say, well, you know what,

445
00:20:44,760 --> 00:20:47,040
Speaker 2: at eighteen or nineteen or twenty, if somebody handed me

446
00:20:47,080 --> 00:20:49,320
Speaker 2: a couple hundred thousand dollars, man, I would have taken

447
00:20:49,359 --> 00:20:51,480
Speaker 2: that to Vegas and partied, you.

448
00:20:51,480 --> 00:20:54,720
Speaker 3: Know, because my prefrontal cortex is not quite developed yet.

449
00:20:54,760 --> 00:20:59,600
Speaker 3: So I think the idea of undergraduate for at least

450
00:20:59,640 --> 00:21:03,440
Speaker 3: my children, I think is going to be a fine idea.

451
00:21:03,960 --> 00:21:08,119
Speaker 3: Maybe less because of the education piece, which is funny

452
00:21:08,119 --> 00:21:12,200
Speaker 3: to say, but more for the ability to stick through

453
00:21:12,280 --> 00:21:16,000
Speaker 3: something for four years that's pretty darn hard, and the

454
00:21:16,040 --> 00:21:20,000
Speaker 3: networking aspect that you get out of making connections throughout

455
00:21:20,040 --> 00:21:23,439
Speaker 3: that process. And then hopefully if you continue to make

456
00:21:23,480 --> 00:21:26,160
Speaker 3: those connections and you show that you have the ability

457
00:21:26,160 --> 00:21:29,000
Speaker 3: to see through things that will lead to a career

458
00:21:29,520 --> 00:21:32,240
Speaker 3: that will give you a better life in the future.

459
00:21:32,480 --> 00:21:36,359
Speaker 3: And with that career, that's the real strength that you

460
00:21:36,480 --> 00:21:39,399
Speaker 3: can to grow that gap. Like we talked about earlier,

461
00:21:39,480 --> 00:21:42,920
Speaker 3: increasing the income, make your dreams come true through your

462
00:21:42,960 --> 00:21:46,520
Speaker 3: own hard work and your income growth. As far as

463
00:21:46,560 --> 00:21:50,880
Speaker 3: advanced degrees go, that, like you said, I think if

464
00:21:50,880 --> 00:21:54,280
Speaker 3: there is a proven way to show that that advanced

465
00:21:54,280 --> 00:21:58,520
Speaker 3: degree will increase your income in an area that you

466
00:21:58,760 --> 00:21:59,840
Speaker 3: feel you're passionate to.

467
00:22:00,080 --> 00:22:02,320
Speaker 2: It's working on for the next five to ten years.

468
00:22:02,720 --> 00:22:05,200
Speaker 2: Go for it. I think what I did wrong by

469
00:22:05,240 --> 00:22:08,320
Speaker 2: going for my NBA was I just sort of had

470
00:22:08,359 --> 00:22:11,159
Speaker 2: this idea in my brain, well, I'm not making a

471
00:22:11,200 --> 00:22:12,879
Speaker 2: lot of money now. I think I was making like

472
00:22:12,920 --> 00:22:15,520
Speaker 2: thirty thousand dollars a year or something like that, and

473
00:22:15,600 --> 00:22:18,520
Speaker 2: I said to myself, well, people who have nbas, they

474
00:22:18,560 --> 00:22:21,080
Speaker 2: make more money, and that will help me to make

475
00:22:21,080 --> 00:22:23,800
Speaker 2: that money. So I just went into it kind of blindly.

476
00:22:23,880 --> 00:22:26,560
Speaker 2: I think I was at twenty four or something like that, saying, Okay,

477
00:22:26,840 --> 00:22:29,480
Speaker 2: I'm good at seeing through things and finishing them. I've

478
00:22:29,480 --> 00:22:32,760
Speaker 2: got that part. Let's see if this advanced degree helps me.

479
00:22:32,760 --> 00:22:34,320
Speaker 2: And it was about five and a half years in

480
00:22:34,400 --> 00:22:36,640
Speaker 2: night school. Man, it was a long time. Talk about

481
00:22:36,720 --> 00:22:38,760
Speaker 2: not owning your time. I was going to work all

482
00:22:38,840 --> 00:22:41,359
Speaker 2: day and going to school all night. That sounds off,

483
00:22:41,560 --> 00:22:44,000
Speaker 2: and it was just a lot. And I do not

484
00:22:44,280 --> 00:22:47,399
Speaker 2: think that NBA helped me out a lick. I really don't.

485
00:22:47,800 --> 00:22:51,240
Speaker 2: I think it was nice because I learned some interesting information,

486
00:22:51,600 --> 00:22:56,480
Speaker 2: but in the era of man artificial intelligence and the

487
00:22:56,480 --> 00:22:59,879
Speaker 2: ability for me to get a Harvard MBA class of

488
00:23:00,000 --> 00:23:02,760
Speaker 2: if I chat GPT if I really wanted one. I

489
00:23:02,760 --> 00:23:04,879
Speaker 2: don't know if it fits up to the value of

490
00:23:04,920 --> 00:23:06,879
Speaker 2: the time and the money I spent towards it. So

491
00:23:07,160 --> 00:23:09,800
Speaker 2: I would say, if it aligns with your goal and

492
00:23:09,840 --> 00:23:12,639
Speaker 2: where you're going, and it can support your ability to

493
00:23:12,680 --> 00:23:16,920
Speaker 2: earn more in the career you're in. But in my marketing,

494
00:23:16,960 --> 00:23:20,000
Speaker 2: communication advertising world that I was in, it did not

495
00:23:20,119 --> 00:23:23,840
Speaker 2: equate to more dollars or more prestige in the future.

496
00:23:25,080 --> 00:23:25,920
Speaker 1: Okay, that's good to know.

497
00:23:26,240 --> 00:23:26,320
Speaker 3: All.

498
00:23:26,400 --> 00:23:28,760
Speaker 1: I want to talk more about the solo preneur life

499
00:23:28,760 --> 00:23:32,399
Speaker 1: that you've established, how that's allowed you to build a

500
00:23:32,440 --> 00:23:35,400
Speaker 1: life that you want and that you have more control over.

501
00:23:35,480 --> 00:23:37,640
Speaker 1: We'll get to some questions along those lines with Andy

502
00:23:37,760 --> 00:23:47,880
Speaker 1: Hill right after this, or we're back still talking with

503
00:23:48,000 --> 00:23:51,720
Speaker 1: Andy Hill talking about owning your time, which I think

504
00:23:51,800 --> 00:23:53,600
Speaker 1: when it comes down to it, that's what people really

505
00:23:53,640 --> 00:23:56,240
Speaker 1: want and ultimately that is the best thing that money

506
00:23:56,760 --> 00:24:00,400
Speaker 1: can provide, and so do people find that as they

507
00:24:01,000 --> 00:24:03,240
Speaker 1: It's just for kicking off New year here, what are

508
00:24:03,280 --> 00:24:05,879
Speaker 1: your goals and what are your goals with money and

509
00:24:06,000 --> 00:24:08,000
Speaker 1: is it just a mass tons of it or is

510
00:24:08,040 --> 00:24:10,199
Speaker 1: it to be able to like utilize it in a

511
00:24:10,200 --> 00:24:12,480
Speaker 1: way that helps you to live the life you really

512
00:24:12,520 --> 00:24:15,639
Speaker 1: want to live, and any one of those big things

513
00:24:16,119 --> 00:24:19,679
Speaker 1: for you, I think that you realized one of the

514
00:24:19,680 --> 00:24:22,439
Speaker 1: goals was to be able to work for yourself and

515
00:24:22,480 --> 00:24:25,439
Speaker 1: how that was going to give you the lifestyle that

516
00:24:25,480 --> 00:24:27,800
Speaker 1: you wanted and allow you to control more of your

517
00:24:27,840 --> 00:24:31,960
Speaker 1: time by not having to answer emails from an annoying boss,

518
00:24:32,080 --> 00:24:35,440
Speaker 1: right or having to go into a physical location when

519
00:24:35,440 --> 00:24:38,680
Speaker 1: you didn't want to. How did you prepare to pull

520
00:24:38,680 --> 00:24:40,520
Speaker 1: that ripcord to work for yourself.

521
00:24:40,720 --> 00:24:43,359
Speaker 2: Yeah, it was a couple of things. It was both

522
00:24:43,640 --> 00:24:49,240
Speaker 2: mentally and financially. So mentally it was saying, Okay, I

523
00:24:49,280 --> 00:24:52,120
Speaker 2: know that I've tried this corporate route. I've been doing

524
00:24:52,119 --> 00:24:55,880
Speaker 2: it for ten fifteen years, and I just don't see

525
00:24:56,640 --> 00:24:59,719
Speaker 2: that it works for me. Like I remember, at one

526
00:24:59,760 --> 00:25:03,200
Speaker 2: point point I had my last job. I had built

527
00:25:03,240 --> 00:25:06,440
Speaker 2: up a team. I had grown the business in such

528
00:25:06,440 --> 00:25:08,359
Speaker 2: a way where I was able to hire three team

529
00:25:08,440 --> 00:25:10,440
Speaker 2: members and they were very proud of all the work

530
00:25:10,480 --> 00:25:12,040
Speaker 2: that I was doing. I felt very good about it,

531
00:25:12,080 --> 00:25:15,639
Speaker 2: and then just one day management changed. They you know

532
00:25:15,960 --> 00:25:17,560
Speaker 2: I had a new boss, and the boss said, you're

533
00:25:17,600 --> 00:25:19,439
Speaker 2: not working on that team anymore. You're working on this.

534
00:25:19,600 --> 00:25:21,800
Speaker 2: You're over here, you're doing that. And I just remember

535
00:25:21,840 --> 00:25:24,640
Speaker 2: feeling like, man, I'm not in control of my life

536
00:25:24,640 --> 00:25:24,960
Speaker 2: at all.

537
00:25:25,119 --> 00:25:26,840
Speaker 3: And then when I go home, I've got a four

538
00:25:26,880 --> 00:25:28,080
Speaker 3: year old and a two year old, and I know

539
00:25:28,119 --> 00:25:30,399
Speaker 3: I'm not control of that either, So I'm like, I

540
00:25:30,480 --> 00:25:35,280
Speaker 3: need to have something outside of my job and busy

541
00:25:35,359 --> 00:25:37,240
Speaker 3: parenting that I just feel like I do own.

542
00:25:37,280 --> 00:25:39,800
Speaker 2: And I remember getting into podcasting at that time. Joel

543
00:25:39,880 --> 00:25:42,320
Speaker 2: Or It's just like this is a fun medium where

544
00:25:42,359 --> 00:25:43,879
Speaker 2: I like listening to it. I feel like it's a

545
00:25:43,880 --> 00:25:46,480
Speaker 2: good outlet. Maybe I can contribute in some way by

546
00:25:46,520 --> 00:25:51,080
Speaker 2: interviewing smart people and sharing our story. And it was

547
00:25:51,560 --> 00:25:53,320
Speaker 2: a hobby for me at the time, and I just said,

548
00:25:53,320 --> 00:25:55,360
Speaker 2: well what can I do to grow this. I'm having

549
00:25:55,400 --> 00:25:57,240
Speaker 2: such a good time, figured out how to make a

550
00:25:57,280 --> 00:26:00,239
Speaker 2: little bit of money from it, and then eventually got

551
00:26:00,280 --> 00:26:02,080
Speaker 2: to a point where I was like, maybe this could

552
00:26:02,119 --> 00:26:08,080
Speaker 2: be a thing and our financial freedom idea at the time.

553
00:26:08,119 --> 00:26:10,840
Speaker 2: Through some people I was interviewing, like yourself was real estate.

554
00:26:10,920 --> 00:26:12,280
Speaker 2: I said, well, why don't we just save up some

555
00:26:12,400 --> 00:26:15,600
Speaker 2: money and we'll do this rental property real estate type thing.

556
00:26:15,840 --> 00:26:17,320
Speaker 2: I know a lot of people are doing it well

557
00:26:17,640 --> 00:26:20,000
Speaker 2: and they can kind of, you know, manage their time

558
00:26:20,119 --> 00:26:22,320
Speaker 2: and feel like they have some sort of ownership. My

559
00:26:22,359 --> 00:26:24,359
Speaker 2: wife and I started to look at some houses after

560
00:26:24,400 --> 00:26:26,159
Speaker 2: saving some money, and we.

561
00:26:26,240 --> 00:26:28,720
Speaker 3: Both decided, you know what, we're not really into this.

562
00:26:28,720 --> 00:26:30,800
Speaker 3: This isn't something that we want to do. Real estate's

563
00:26:30,840 --> 00:26:33,240
Speaker 3: not for us. And that kind of put me back

564
00:26:33,240 --> 00:26:35,760
Speaker 3: into the spot of being like, well, man, that's not it.

565
00:26:35,880 --> 00:26:36,359
Speaker 2: What is it?

566
00:26:36,400 --> 00:26:36,640
Speaker 1: Then?

567
00:26:37,040 --> 00:26:39,480
Speaker 2: And my wife said to me, hey, man, we've saved

568
00:26:39,520 --> 00:26:41,480
Speaker 2: up this money. You wanted to buy your first rental

569
00:26:41,480 --> 00:26:44,240
Speaker 2: property with you know, no mortgage, so you saved up

570
00:26:44,240 --> 00:26:46,360
Speaker 2: one hundred thousand dollars. Why don't you just use that

571
00:26:46,880 --> 00:26:50,960
Speaker 2: as a financial runway for you to try this digital

572
00:26:51,000 --> 00:26:53,280
Speaker 2: solopreneur thing you've been doing and see if you can

573
00:26:53,440 --> 00:26:55,960
Speaker 2: give it a go. And that was like the best

574
00:26:56,160 --> 00:26:58,000
Speaker 2: words that have ever come out of my wife's mouth.

575
00:26:58,040 --> 00:27:00,919
Speaker 2: Besides I do it, I do was very important, and

576
00:27:00,960 --> 00:27:03,240
Speaker 2: it was but it was like a confidence booster for me.

577
00:27:03,280 --> 00:27:05,679
Speaker 2: So mentally I was like, yes, I feel like I

578
00:27:05,720 --> 00:27:08,119
Speaker 2: can do this because I had the support of my

579
00:27:08,200 --> 00:27:12,680
Speaker 2: wife and I had been making money in my small business,

580
00:27:12,720 --> 00:27:14,760
Speaker 2: so it was proven that I could actually make money

581
00:27:14,840 --> 00:27:17,439
Speaker 2: doing this. Now, if I had double the amount of

582
00:27:17,440 --> 00:27:19,159
Speaker 2: time or triple the amount of time, I wonder if

583
00:27:19,200 --> 00:27:22,280
Speaker 2: I could really be successful with this. So one it

584
00:27:22,320 --> 00:27:24,800
Speaker 2: was proving that I could make money with it. Two

585
00:27:25,119 --> 00:27:27,800
Speaker 2: it was one hundred thousand dollars saved in a few

586
00:27:27,880 --> 00:27:29,960
Speaker 2: money fund to say, hey man, even if I mess

587
00:27:30,040 --> 00:27:32,720
Speaker 2: this up, we got some money, right. And then three

588
00:27:32,920 --> 00:27:36,080
Speaker 2: it was my wife giving me that you know, support,

589
00:27:36,119 --> 00:27:38,720
Speaker 2: saying hey man, you got this. And so I took

590
00:27:38,760 --> 00:27:41,840
Speaker 2: the leap in January of twenty twenty, said goodbye to

591
00:27:41,920 --> 00:27:44,680
Speaker 2: my corporate career and I haven't looked back.

592
00:27:45,400 --> 00:27:49,880
Speaker 1: That's the trifecta right there. It is having a proven concept,

593
00:27:49,960 --> 00:27:52,880
Speaker 1: having some seed money, and then having someone in your

594
00:27:52,920 --> 00:27:55,120
Speaker 1: life who supports you and believes in you. Like those

595
00:27:55,160 --> 00:27:58,119
Speaker 1: three things combined, that's this pretty sick recipe to at

596
00:27:58,200 --> 00:28:00,399
Speaker 1: least give it a good run, even if at some

597
00:28:00,480 --> 00:28:02,720
Speaker 1: point you have to go crawling back to the world. Yeah.

598
00:28:02,720 --> 00:28:05,159
Speaker 2: And that realization number four, realization, Oh, I could go

599
00:28:05,200 --> 00:28:06,840
Speaker 2: back to the corporate world and would that Would that

600
00:28:06,840 --> 00:28:10,560
Speaker 2: really be that bad? And I think some times.

601
00:28:10,520 --> 00:28:12,919
Speaker 1: We think when we make this leap, like there's no

602
00:28:13,000 --> 00:28:14,720
Speaker 1: going back there, r I know, who would ever hire

603
00:28:14,800 --> 00:28:17,280
Speaker 1: us again? I still have that thought. I'm like, I'm

604
00:28:17,359 --> 00:28:19,919
Speaker 1: so unemployable at this point in my life, and I'm like,

605
00:28:19,960 --> 00:28:22,280
Speaker 1: you know what, I know, people, I would be fine.

606
00:28:22,560 --> 00:28:27,520
Speaker 1: Like if if podcasting becomes the medium of yesteryear in

607
00:28:27,920 --> 00:28:30,159
Speaker 1: you know, the next couple of years and nobody listens

608
00:28:30,160 --> 00:28:33,400
Speaker 1: anymore to podcasts are so not cool because we've all

609
00:28:33,440 --> 00:28:36,880
Speaker 1: got like AI friends or something like that, the new podcast,

610
00:28:37,080 --> 00:28:39,600
Speaker 1: then that's okay, Like I'll I can go find something else.

611
00:28:39,920 --> 00:28:43,840
Speaker 1: But you have to also get to realize that and

612
00:28:44,120 --> 00:28:48,200
Speaker 1: not just think about worst case scenarios, which is hard

613
00:28:48,240 --> 00:28:50,880
Speaker 1: for human brains. Yes, I want to jump ahead, maybe

614
00:28:50,880 --> 00:28:52,560
Speaker 1: even just a few years. So you said that happened

615
00:28:52,560 --> 00:28:54,720
Speaker 1: in twenty twenty. At this point in time. Over the

616
00:28:54,760 --> 00:28:57,760
Speaker 1: last five years of doing this, you have built the

617
00:28:57,880 --> 00:29:01,040
Speaker 1: kind of life slowly but early, brick by brick, that

618
00:29:01,120 --> 00:29:04,120
Speaker 1: you wanted to achieve. At this point in time, neither

619
00:29:04,240 --> 00:29:08,240
Speaker 1: you nor Nicole work full time. That's amazing. Some people

620
00:29:08,280 --> 00:29:09,959
Speaker 1: might be like, wait a second, like Andy, you're not

621
00:29:10,000 --> 00:29:13,680
Speaker 1: that old. How you've still got young kids, youngish kids?

622
00:29:13,720 --> 00:29:15,560
Speaker 1: Like how did you get to that point.

623
00:29:15,760 --> 00:29:18,720
Speaker 2: Yeah, So from that point, you know, when I leapt

624
00:29:18,840 --> 00:29:22,720
Speaker 2: in twenty twenty, it was all on. I was so

625
00:29:22,840 --> 00:29:26,440
Speaker 2: excited about making this business perfect and you know, having

626
00:29:26,480 --> 00:29:28,480
Speaker 2: it not fail. So I essentially, you know, kind of

627
00:29:28,520 --> 00:29:32,160
Speaker 2: bought myself another forty to fifty era our job, you know,

628
00:29:32,320 --> 00:29:35,040
Speaker 2: And I was excited about that job. Though I really

629
00:29:35,160 --> 00:29:38,479
Speaker 2: liked it and I worked very hard to make it

630
00:29:38,480 --> 00:29:41,800
Speaker 2: come to life, I still had that desire of also

631
00:29:42,000 --> 00:29:44,520
Speaker 2: being a present father and a great husband and a

632
00:29:44,560 --> 00:29:48,080
Speaker 2: good son and volunteering in the community. So what I

633
00:29:48,160 --> 00:29:50,480
Speaker 2: did right away, as my wife likes to call me

634
00:29:50,520 --> 00:29:52,720
Speaker 2: and and Andy, I tried to do it all.

635
00:29:52,720 --> 00:29:52,880
Speaker 1: Man.

636
00:29:52,920 --> 00:29:55,400
Speaker 2: I tried to do it all in January of twenty

637
00:29:55,440 --> 00:30:00,000
Speaker 2: twenty and I I tried to do more podcast episode.

638
00:30:00,120 --> 00:30:02,240
Speaker 2: I tried to do everything because I had that moment

639
00:30:02,280 --> 00:30:05,240
Speaker 2: of like, I finally have freedom. But then I realized

640
00:30:05,320 --> 00:30:07,360
Speaker 2: again there's only twenty four hours in a day, one

641
00:30:07,400 --> 00:30:09,040
Speaker 2: hundred and sixty eight hours in a week, where it's

642
00:30:09,120 --> 00:30:12,600
Speaker 2: like you can only do so much. So because I

643
00:30:12,720 --> 00:30:14,959
Speaker 2: liked those other portions of my life, I said, well,

644
00:30:15,000 --> 00:30:18,520
Speaker 2: what can I do over the years to work less

645
00:30:19,440 --> 00:30:22,560
Speaker 2: and live more, maybe lean into these other identities more

646
00:30:22,600 --> 00:30:26,680
Speaker 2: than I have been you know, athlete, father, son, you know,

647
00:30:26,800 --> 00:30:30,560
Speaker 2: good husband. And so from twenty twenty where I was working,

648
00:30:30,640 --> 00:30:33,360
Speaker 2: you know, call it forty fifty hours a week to today,

649
00:30:33,400 --> 00:30:36,440
Speaker 2: about five years later, Nicole and I work probably twenty

650
00:30:36,440 --> 00:30:39,800
Speaker 2: to twenty five hours a week. I'm trying an experiment

651
00:30:39,880 --> 00:30:43,240
Speaker 2: starting next week where I'm only working Tuesday through Thursday,

652
00:30:43,680 --> 00:30:46,000
Speaker 2: so that I can have a three day work week

653
00:30:46,120 --> 00:30:48,720
Speaker 2: and a permanent four day weekend. I just always thought

654
00:30:48,760 --> 00:30:50,720
Speaker 2: that would be like the coolest thing in the world,

655
00:30:50,800 --> 00:30:52,560
Speaker 2: So I'm like, I want to try that. Wouldn't that

656
00:30:52,600 --> 00:30:54,880
Speaker 2: be cool to always have a four day weekend? So

657
00:30:54,920 --> 00:30:56,640
Speaker 2: if you wanted to get out of town, it's no

658
00:30:56,680 --> 00:30:58,920
Speaker 2: big deal. You don't have to move any plans, it's

659
00:30:59,200 --> 00:31:02,880
Speaker 2: just that. So I'm an experiment with that next week.

660
00:31:03,040 --> 00:31:05,680
Speaker 2: I will report back because that might be too small

661
00:31:05,720 --> 00:31:07,760
Speaker 2: of an amount of time to make my business keep moving,

662
00:31:08,160 --> 00:31:10,440
Speaker 2: but I guess we'll see. And that's that's really where

663
00:31:10,480 --> 00:31:11,160
Speaker 2: I am. Yep.

664
00:31:11,360 --> 00:31:13,960
Speaker 1: The keyword is experiments in there, right, And you can

665
00:31:14,080 --> 00:31:17,600
Speaker 1: experiment as a solopreneur and you can say, wait a second, like,

666
00:31:18,680 --> 00:31:21,680
Speaker 1: you know, what is it? The predo principle or Parkinson's law,

667
00:31:21,680 --> 00:31:24,280
Speaker 1: Parkins's law right, where the amount of work expands to

668
00:31:25,240 --> 00:31:27,400
Speaker 1: to fill the time that you give it. But then

669
00:31:27,400 --> 00:31:28,920
Speaker 1: there's also the truth where you're I think you could

670
00:31:28,920 --> 00:31:31,000
Speaker 1: wheel it down to where you're not giving enough time

671
00:31:31,040 --> 00:31:32,840
Speaker 1: and you're like, I have more work to do than

672
00:31:32,880 --> 00:31:36,120
Speaker 1: time available for sure, but that experiment like I love that.

673
00:31:36,160 --> 00:31:37,160
Speaker 1: I love that you're giving it a shot.

674
00:31:37,280 --> 00:31:39,400
Speaker 2: Yeah. So lately twenty to twenty five hours has sort

675
00:31:39,400 --> 00:31:41,080
Speaker 2: of been that sweet spot where it's like, Okay, I'm

676
00:31:41,120 --> 00:31:43,840
Speaker 2: able to get a lot of high functioning, important things,

677
00:31:43,920 --> 00:31:47,800
Speaker 2: high value dollar things done, and then I find that

678
00:31:47,880 --> 00:31:50,040
Speaker 2: I'm not able to do some of the extras that

679
00:31:50,080 --> 00:31:52,880
Speaker 2: maybe don't produce as much fruit for me, and that's

680
00:31:52,920 --> 00:31:55,120
Speaker 2: it ends up being okay, like, oh I don't have

681
00:31:55,200 --> 00:31:56,720
Speaker 2: enough time to do that. Well, it didn't make me

682
00:31:56,760 --> 00:31:58,920
Speaker 2: money anyway, Oh maybe I don't need to do that anymore.

683
00:31:59,080 --> 00:32:00,520
Speaker 2: And so I've been trying to I have some more

684
00:32:00,520 --> 00:32:03,760
Speaker 2: of those experiments where I essentially hack away at the unessential,

685
00:32:03,760 --> 00:32:05,520
Speaker 2: as Bruce Lee would say, where it's like just get

686
00:32:05,600 --> 00:32:08,360
Speaker 2: rid of the stuff that doesn't work and keep doing

687
00:32:08,360 --> 00:32:10,560
Speaker 2: more of the stuff that does work. So that's where

688
00:32:10,600 --> 00:32:13,560
Speaker 2: I've been experimenting as a solopreneur and hopefully it continues

689
00:32:13,600 --> 00:32:16,960
Speaker 2: to work. But right now, it's been a great time

690
00:32:17,000 --> 00:32:21,719
Speaker 2: in my business this year. In December, I'm crossing over

691
00:32:21,760 --> 00:32:23,640
Speaker 2: two hundred thousand in revenue, so I'm able to pay

692
00:32:23,640 --> 00:32:26,480
Speaker 2: myself one hundred thousand dollars by working twenty to twenty

693
00:32:26,480 --> 00:32:28,640
Speaker 2: five hours a week. That's like the dream life I've

694
00:32:28,680 --> 00:32:31,719
Speaker 2: always wanted. And I'm just going to keep on flexing

695
00:32:31,800 --> 00:32:34,680
Speaker 2: and trying to, you know, push towards this three day week,

696
00:32:34,920 --> 00:32:37,000
Speaker 2: and maybe it won't work, but I guess we'll find out.

697
00:32:37,040 --> 00:32:38,200
Speaker 2: Like you said, it's an experiment.

698
00:32:38,440 --> 00:32:41,320
Speaker 1: No. I mean, I think what's you're highlighting is something

699
00:32:41,360 --> 00:32:45,239
Speaker 1: that a lot of people want. They just feel like

700
00:32:45,360 --> 00:32:48,360
Speaker 1: it's not going to happen or impossible to get to.

701
00:32:48,400 --> 00:32:50,920
Speaker 1: And I think what we've kind of jumped through that

702
00:32:51,080 --> 00:32:54,480
Speaker 1: five years timeline Home twenty twenty to twenty twenty five,

703
00:32:54,800 --> 00:32:58,600
Speaker 1: there was a lot of yes, frugality, oh man, tough decisions,

704
00:32:59,000 --> 00:33:01,800
Speaker 1: a lot of hard work on your business to get I'll.

705
00:33:01,600 --> 00:33:03,760
Speaker 2: Tell you a failure moment if if you're open to it,

706
00:33:03,880 --> 00:33:06,120
Speaker 2: I bring it. So January twenty twenty, you know what

707
00:33:06,160 --> 00:33:08,160
Speaker 2: happened two months later. Everybody knows what happened to two

708
00:33:08,160 --> 00:33:08,560
Speaker 2: months later.

709
00:33:08,560 --> 00:33:09,520
Speaker 1: I remember that.

710
00:33:09,600 --> 00:33:13,400
Speaker 2: Yeah, so things went south for me in my business.

711
00:33:13,400 --> 00:33:16,240
Speaker 2: I had these locked up contracts, I had this money

712
00:33:16,240 --> 00:33:19,080
Speaker 2: coming in, and then that all went away. Man, I

713
00:33:19,120 --> 00:33:23,200
Speaker 2: lost advertising dollars. I lost these these solid contracts, and

714
00:33:23,360 --> 00:33:24,640
Speaker 2: things looked scary.

715
00:33:24,680 --> 00:33:24,880
Speaker 1: Man.

716
00:33:25,000 --> 00:33:27,520
Speaker 2: I got depressed. I said, oh my god, was this

717
00:33:27,600 --> 00:33:30,320
Speaker 2: a horrible mistake that I made for my family. I'm

718
00:33:30,320 --> 00:33:33,240
Speaker 2: supposed to be protecting my family and I've done the opposite.

719
00:33:33,400 --> 00:33:36,520
Speaker 2: But what I had in my corner again was an

720
00:33:36,560 --> 00:33:38,880
Speaker 2: awesome wife that patted me on the beck saying, hey, man,

721
00:33:38,920 --> 00:33:41,120
Speaker 2: you got this. I had a great father who gave

722
00:33:41,120 --> 00:33:42,840
Speaker 2: me some great advice at the time, as well some

723
00:33:42,920 --> 00:33:45,680
Speaker 2: good friends. And then again, my other great friend at

724
00:33:45,720 --> 00:33:48,360
Speaker 2: the time was one hundred thousand dollars of FU money

725
00:33:48,600 --> 00:33:52,560
Speaker 2: that said, hey man, I'm here for you. Like use me, like,

726
00:33:52,640 --> 00:33:55,320
Speaker 2: this is what you is. This is the oh oh

727
00:33:55,440 --> 00:33:58,560
Speaker 2: no emergency fund. Like use it. And we did. So.

728
00:33:58,600 --> 00:34:00,440
Speaker 2: We used it for about three months of it just

729
00:34:00,440 --> 00:34:03,360
Speaker 2: to kind of right size things, pivot in the business,

730
00:34:03,600 --> 00:34:07,560
Speaker 2: figure out different ways of making money. But yeah, even

731
00:34:07,600 --> 00:34:10,239
Speaker 2: with a even with twelve months of expenses, we only

732
00:34:10,280 --> 00:34:13,760
Speaker 2: use three months during a global pandemic. That was proof

733
00:34:13,920 --> 00:34:18,000
Speaker 2: enough that I'm hardworking enough, I've got great support and

734
00:34:18,040 --> 00:34:21,160
Speaker 2: I've got the financial backing to make this thing work.

735
00:34:21,400 --> 00:34:23,840
Speaker 2: And so year over year, I've just tried to decrease

736
00:34:23,880 --> 00:34:28,200
Speaker 2: the amount of time I'm working and increase slowly increase

737
00:34:28,239 --> 00:34:30,719
Speaker 2: my income as well. So it's it's been a combination.

738
00:34:30,800 --> 00:34:32,600
Speaker 2: It's one of those things where there's a lot of

739
00:34:32,640 --> 00:34:36,080
Speaker 2: trial and error. It's you know, entrepreneurship, man, you know it, well,

740
00:34:36,200 --> 00:34:37,920
Speaker 2: it's a lot of this. It's a lot of up

741
00:34:37,920 --> 00:34:40,920
Speaker 2: and down, big waves. Some months I'm like, oh, man,

742
00:34:41,760 --> 00:34:44,160
Speaker 2: and then I get a little too spendy, and then

743
00:34:44,200 --> 00:34:45,760
Speaker 2: I'm like and then I have one of those down

744
00:34:45,800 --> 00:34:48,320
Speaker 2: months and I'm like, oh, I wish I wasn't so spendy.

745
00:34:48,600 --> 00:34:51,440
Speaker 2: So over the past three years or so, I've I've

746
00:34:51,480 --> 00:34:54,760
Speaker 2: realized the importance of a good business emergency fund, having

747
00:34:54,760 --> 00:34:57,640
Speaker 2: some money set aside outside of your family emergency fund

748
00:34:57,680 --> 00:35:02,080
Speaker 2: to keep the business going. And that way these wild

749
00:35:02,200 --> 00:35:07,319
Speaker 2: waves of revenue and unrevenue don't hit me so hard.

750
00:35:07,719 --> 00:35:10,880
Speaker 1: Let's say somebody out there listening is like, well, you know,

751
00:35:11,040 --> 00:35:13,960
Speaker 1: entrepreneurship not for me. Becoming a solopreneur. That's out of

752
00:35:13,960 --> 00:35:15,759
Speaker 1: my wheelhouse. I don't honestarily have a business I want

753
00:35:15,800 --> 00:35:19,480
Speaker 1: to start. I'm working in W two capacity for a job,

754
00:35:19,760 --> 00:35:22,799
Speaker 1: and guess what, I like it, but I'm working too

755
00:35:22,800 --> 00:35:24,920
Speaker 1: many hours. I'd like to dial it back. I feel

756
00:35:24,920 --> 00:35:27,400
Speaker 1: like I'm managing my money well, I have enough savings

757
00:35:27,480 --> 00:35:29,560
Speaker 1: and I don't need to get paid as much. How

758
00:35:29,600 --> 00:35:32,319
Speaker 1: would you, which I think again, is something that more

759
00:35:32,320 --> 00:35:34,080
Speaker 1: people can work towards. I have a buddy who did

760
00:35:34,160 --> 00:35:36,719
Speaker 1: this exact thing, and it was really fun to hear

761
00:35:36,760 --> 00:35:39,200
Speaker 1: his story and how he spends his time. It was

762
00:35:39,239 --> 00:35:41,120
Speaker 1: literally running the other day and he's just like playing

763
00:35:41,160 --> 00:35:42,799
Speaker 1: the piano out in public, and I'm like, dude, this

764
00:35:42,840 --> 00:35:45,440
Speaker 1: is awesome. This is how you've been a random Tuesday morning. Now,

765
00:35:45,200 --> 00:35:48,440
Speaker 1: how would you suggest people broach that conversation though with

766
00:35:48,520 --> 00:35:51,960
Speaker 1: their employer or work towards essentially having more ownership of

767
00:35:52,000 --> 00:35:55,160
Speaker 1: their time and less of their time taken up by work,

768
00:35:55,200 --> 00:35:57,320
Speaker 1: if they still need to get paid and still the benefits.

769
00:35:57,360 --> 00:35:59,719
Speaker 2: I think this is the untapped resources that were not

770
00:35:59,760 --> 00:36:02,000
Speaker 2: talking about enough of. I think fire gets a lot

771
00:36:02,040 --> 00:36:04,759
Speaker 2: of you know, conversation in the media where it's like,

772
00:36:04,760 --> 00:36:07,120
Speaker 2: I mean a hard charge and save enough where I

773
00:36:07,120 --> 00:36:09,280
Speaker 2: don't have to work at all, and it's like, Okay,

774
00:36:09,280 --> 00:36:12,200
Speaker 2: that's hard for the majority of us to do. This

775
00:36:12,360 --> 00:36:16,120
Speaker 2: is a great middle ground. So yes, still build up

776
00:36:16,160 --> 00:36:19,800
Speaker 2: your net worth, pay off that debt, you know, build

777
00:36:19,840 --> 00:36:24,440
Speaker 2: your investments, get that financial security, financial strength, build up

778
00:36:24,440 --> 00:36:27,439
Speaker 2: a little bit of an fu money fund, and then

779
00:36:27,960 --> 00:36:31,640
Speaker 2: have some conversations with your employer about the ability to

780
00:36:31,719 --> 00:36:35,240
Speaker 2: work part time there, especially if you've been working hard

781
00:36:35,680 --> 00:36:38,799
Speaker 2: and they like you and you're a producer for them

782
00:36:39,280 --> 00:36:40,920
Speaker 2: and it would be really hard for them to get

783
00:36:41,000 --> 00:36:43,160
Speaker 2: rid of you. You know, you're in that situation now.

784
00:36:43,200 --> 00:36:45,960
Speaker 2: If you're one of those people that maybe isn't producing

785
00:36:46,000 --> 00:36:47,840
Speaker 2: as much and you don't have that great of a

786
00:36:47,880 --> 00:36:50,880
Speaker 2: relationship with your supervisor, maybe this advice isn't for you

787
00:36:50,920 --> 00:36:52,319
Speaker 2: to go to say, hey, I'd like to work less

788
00:36:52,320 --> 00:36:53,960
Speaker 2: than I already am. You got to be one of

789
00:36:54,000 --> 00:36:55,960
Speaker 2: those people that's already putting in a lot of effort,

790
00:36:56,080 --> 00:36:58,360
Speaker 2: you know, doing well for your employer. You got to

791
00:36:58,440 --> 00:37:01,080
Speaker 2: have that rapport with them to be able to say, hey,

792
00:37:01,120 --> 00:37:05,440
Speaker 2: I'm working full time for you right now. I'm in

793
00:37:05,480 --> 00:37:07,400
Speaker 2: a season of my life where I would like to

794
00:37:07,400 --> 00:37:11,160
Speaker 2: be spending more time with my kids, my aging parents, whatever.

795
00:37:11,239 --> 00:37:13,840
Speaker 2: Fill in the blank. Is there a way that I

796
00:37:13,840 --> 00:37:16,360
Speaker 2: could work part time here, and knowing that I'd be

797
00:37:16,400 --> 00:37:18,720
Speaker 2: working part time, I'd be willing to be paid less

798
00:37:18,760 --> 00:37:21,480
Speaker 2: for that part time work? Is that a situation that

799
00:37:21,480 --> 00:37:24,200
Speaker 2: could work for you? Now? That goes with you having

800
00:37:24,239 --> 00:37:27,080
Speaker 2: a good relationship with your supervisor and really understanding the

801
00:37:27,120 --> 00:37:30,239
Speaker 2: general culture of what's going on in your company. If

802
00:37:30,239 --> 00:37:32,560
Speaker 2: you're in a culture right now that's hacking a lot

803
00:37:32,560 --> 00:37:35,400
Speaker 2: of heads and you know, getting rid of employees, maybe

804
00:37:35,400 --> 00:37:37,960
Speaker 2: not the best time to bring up that conversation. It's

805
00:37:38,000 --> 00:37:40,759
Speaker 2: also good to just investigate other people who have done

806
00:37:40,840 --> 00:37:43,280
Speaker 2: this at your company. Maybe take them out for coffee,

807
00:37:43,360 --> 00:37:45,560
Speaker 2: take them out for lunch, saying how did you broach

808
00:37:45,640 --> 00:37:49,640
Speaker 2: this subject with supervisor? You know, how did you do that?

809
00:37:49,640 --> 00:37:52,480
Speaker 2: That type of investigation could be really helpful. Let's say

810
00:37:52,520 --> 00:37:56,040
Speaker 2: it doesn't work at your company specifically, but maybe a

811
00:37:56,120 --> 00:37:58,719
Speaker 2: competitor or some other industry that you could work in

812
00:37:59,040 --> 00:38:02,040
Speaker 2: does hire people for part time work. My wife did this.

813
00:38:02,160 --> 00:38:04,480
Speaker 2: She wanted to go back to work as an esthetician

814
00:38:05,080 --> 00:38:07,680
Speaker 2: after going back to school and trying something completely new.

815
00:38:07,920 --> 00:38:11,280
Speaker 2: She specifically pursued part time work and they were hiring

816
00:38:11,360 --> 00:38:14,520
Speaker 2: for it. So it's like part time positions are out there,

817
00:38:14,920 --> 00:38:16,600
Speaker 2: you just have to seek for them. And then the

818
00:38:16,640 --> 00:38:18,879
Speaker 2: third option outside of just like going your own solo

819
00:38:18,960 --> 00:38:22,680
Speaker 2: business route is maybe working as a freelancer or a

820
00:38:22,760 --> 00:38:26,920
Speaker 2: contractor within the industry that you have so much expertise,

821
00:38:26,960 --> 00:38:29,200
Speaker 2: and one that you could get paid a high hourly

822
00:38:29,320 --> 00:38:31,760
Speaker 2: rate or a high day rate in order to produce

823
00:38:31,840 --> 00:38:35,080
Speaker 2: for them. So those three areas could be really good

824
00:38:35,080 --> 00:38:37,319
Speaker 2: ones to investigate outside of just like saying, hey, I'm

825
00:38:37,320 --> 00:38:38,800
Speaker 2: out of here, I'm gonna go start my own business

826
00:38:38,840 --> 00:38:39,720
Speaker 2: and see how it goes.

827
00:38:39,960 --> 00:38:42,120
Speaker 1: The other tug of war I can see people having

828
00:38:42,239 --> 00:38:45,520
Speaker 1: in their mind is well, is it the right thing

829
00:38:45,800 --> 00:38:50,040
Speaker 1: to build up a higher net worth to keep the

830
00:38:50,080 --> 00:38:54,040
Speaker 1: income rolling. I'm just buying myself more options as I

831
00:38:54,120 --> 00:38:58,600
Speaker 1: continue to boost my investing nest egg. Do I keep

832
00:38:58,640 --> 00:38:59,040
Speaker 1: doing that?

833
00:38:59,080 --> 00:38:59,200
Speaker 2: Like?

834
00:38:59,320 --> 00:39:01,479
Speaker 1: When is it right? When is it right to start

835
00:39:01,520 --> 00:39:05,520
Speaker 1: to own more of my time? That's like a really

836
00:39:05,600 --> 00:39:07,479
Speaker 1: I think it's a really tough thing, especially for people

837
00:39:07,520 --> 00:39:11,800
Speaker 1: who have been accustomed to learning about about investing and

838
00:39:12,480 --> 00:39:15,160
Speaker 1: compounding returns and what that means for their future. And

839
00:39:15,239 --> 00:39:17,400
Speaker 1: it feels like you're doing the opposite. You're starting to

840
00:39:17,440 --> 00:39:20,359
Speaker 1: almost like draw down on those funds. Sure in yeah

841
00:39:20,400 --> 00:39:23,040
Speaker 1: way by utilizing some of them for current happiness. How

842
00:39:23,080 --> 00:39:24,960
Speaker 1: do you how do you like sign off on that?

843
00:39:25,239 --> 00:39:27,160
Speaker 2: I hear you, man, Well, you're gonna do it at

844
00:39:27,200 --> 00:39:29,120
Speaker 2: some point in your life, right, there's gonna be a

845
00:39:29,120 --> 00:39:31,480
Speaker 2: point where you're gonna start drawing down as assets that

846
00:39:31,520 --> 00:39:33,879
Speaker 2: could be eighty years old, that could be seventy years old,

847
00:39:33,920 --> 00:39:36,600
Speaker 2: sixty years old. You have to decide when you're going

848
00:39:36,640 --> 00:39:39,319
Speaker 2: to do that. Now. In our current position, I'm not

849
00:39:39,400 --> 00:39:43,080
Speaker 2: even advising drawing down on the assets. I'm advising just

850
00:39:43,160 --> 00:39:47,680
Speaker 2: like dialing back on the over emphasis of saving more.

851
00:39:47,920 --> 00:39:51,520
Speaker 2: You know, we went from forty to fifty percent savings

852
00:39:51,600 --> 00:39:54,440
Speaker 2: rate to this point in January of twenty twenty, saying, well,

853
00:39:54,440 --> 00:39:56,759
Speaker 2: what if we just you know, dialed that back to

854
00:39:56,800 --> 00:39:59,360
Speaker 2: like ten percent because we're not needing to save for

855
00:39:59,440 --> 00:40:01,799
Speaker 2: our retirement goals anymore, because we've gotten to a point

856
00:40:01,840 --> 00:40:04,959
Speaker 2: of coast fire where these contributions will get up, sorry,

857
00:40:04,960 --> 00:40:07,520
Speaker 2: the balance will continue to grow over the next couple

858
00:40:07,560 --> 00:40:09,719
Speaker 2: of decades without our support and still get to like

859
00:40:09,760 --> 00:40:13,120
Speaker 2: two million dollars. So I think there's a middle ground

860
00:40:13,239 --> 00:40:16,960
Speaker 2: of just saying Okay, yes, it's important to accumulate and

861
00:40:17,080 --> 00:40:20,000
Speaker 2: build your wealth, But at what point can you say

862
00:40:20,440 --> 00:40:23,759
Speaker 2: that's good, I think I've got enough, find out you're enough,

863
00:40:24,120 --> 00:40:28,080
Speaker 2: and then at that point live some life. Man, life

864
00:40:28,120 --> 00:40:30,000
Speaker 2: is for living. We you know, we got to enjoy

865
00:40:30,000 --> 00:40:32,239
Speaker 2: the present moment because we don't know what we have

866
00:40:32,360 --> 00:40:34,359
Speaker 2: in the future. That's all we really have. We have

867
00:40:34,440 --> 00:40:38,040
Speaker 2: the present, So it's important to think about the future. Yes,

868
00:40:38,200 --> 00:40:40,400
Speaker 2: don't you know, don't go into the day total yolo,

869
00:40:40,960 --> 00:40:43,400
Speaker 2: but it is important to think about what we have

870
00:40:43,560 --> 00:40:46,080
Speaker 2: now and make sure we're enjoying our lives. And if

871
00:40:46,080 --> 00:40:47,840
Speaker 2: you've got one of those jobs where you're just like,

872
00:40:48,680 --> 00:40:51,719
Speaker 2: I hate my every day, does life really need to

873
00:40:51,800 --> 00:40:55,040
Speaker 2: feel like this? Then yeah, maybe it's a time to

874
00:40:55,080 --> 00:40:57,600
Speaker 2: make some changes. That could be just changing your job

875
00:40:58,000 --> 00:41:00,600
Speaker 2: and finding a different career altogether, or it could be

876
00:41:00,640 --> 00:41:01,880
Speaker 2: moving in one of these directions.

877
00:41:02,000 --> 00:41:04,400
Speaker 1: Yeah, all right, I've got more questions. I want to specifically,

878
00:41:04,440 --> 00:41:06,640
Speaker 1: I want to know about how you use those free times.

879
00:41:06,640 --> 00:41:08,239
Speaker 1: What are Mondays and Friday is going to look like

880
00:41:08,280 --> 00:41:11,040
Speaker 1: for Andy and the Hill family in this experiment, we'll

881
00:41:11,040 --> 00:41:12,440
Speaker 1: talk about that. We'll get to that and more right

882
00:41:12,480 --> 00:41:21,919
Speaker 1: after this, I were back from the break still talking

883
00:41:21,920 --> 00:41:24,600
Speaker 1: about the Andy Hill talking about owning your time one

884
00:41:24,600 --> 00:41:26,799
Speaker 1: of my favorite conversations, and this is something that I

885
00:41:26,800 --> 00:41:28,479
Speaker 1: feel like, you know, Matt and I talk about more

886
00:41:28,600 --> 00:41:32,279
Speaker 1: and more and more together as business partners and guys

887
00:41:32,280 --> 00:41:34,960
Speaker 1: who are trying to like enjoy what we do and

888
00:41:35,080 --> 00:41:37,160
Speaker 1: grow our business. But at the same time, what does

889
00:41:37,200 --> 00:41:41,399
Speaker 1: it look like to enjoy our everyday lives and not

890
00:41:41,960 --> 00:41:44,440
Speaker 1: and not put those on pause in an attempt to

891
00:41:44,440 --> 00:41:46,640
Speaker 1: build financial independence or financial freedom. And I feel like

892
00:41:46,640 --> 00:41:49,279
Speaker 1: I've seen so many people go down that path as

893
00:41:49,280 --> 00:41:52,239
Speaker 1: they learn about financial independence and fire and stuff like that,

894
00:41:52,320 --> 00:41:56,600
Speaker 1: and that that does not that's not attractive to me, and Andy,

895
00:41:56,520 --> 00:41:58,919
Speaker 1: it sounds like that's not attractive to you either. I'm

896
00:41:58,960 --> 00:42:02,640
Speaker 1: really curious what you do with your newfound time as

897
00:42:02,640 --> 00:42:04,600
Speaker 1: you own more of your time, as you're working less,

898
00:42:04,880 --> 00:42:06,800
Speaker 1: your friends are probably still going to the office, the

899
00:42:06,840 --> 00:42:09,560
Speaker 1: average friend of yours, right, and you're like, Hey, let's

900
00:42:09,560 --> 00:42:11,719
Speaker 1: grab coffee. It's eleven o'clock on a Monday. And they're like,

901
00:42:12,200 --> 00:42:14,279
Speaker 1: I don't know what life you're living, Andy, but that's

902
00:42:14,320 --> 00:42:17,120
Speaker 1: not my life. So what do those days look like

903
00:42:17,200 --> 00:42:20,400
Speaker 1: for you? What is owning your time. What does it

904
00:42:20,400 --> 00:42:21,359
Speaker 1: look like in the day to day.

905
00:42:21,440 --> 00:42:24,160
Speaker 2: Yeah, I think that's a great question, and I would

906
00:42:24,160 --> 00:42:26,920
Speaker 2: say it's come with also trial and error too, because

907
00:42:26,920 --> 00:42:29,440
Speaker 2: there has been times where I'm like, hey, how come

908
00:42:29,440 --> 00:42:31,480
Speaker 2: nobody wants to get lunch with me in the middle

909
00:42:31,480 --> 00:42:35,040
Speaker 2: of the day on Monday, right. So I've had a

910
00:42:35,040 --> 00:42:38,520
Speaker 2: little learning with it. But Mondays really for us. My

911
00:42:38,600 --> 00:42:41,520
Speaker 2: wife doesn't work either, so we go for a run

912
00:42:41,640 --> 00:42:44,200
Speaker 2: on Monday morning, and it's a great way for us

913
00:42:44,239 --> 00:42:46,200
Speaker 2: to kick start the week. I like going to the

914
00:42:46,239 --> 00:42:48,719
Speaker 2: gym and have so for the past few months where

915
00:42:48,760 --> 00:42:51,279
Speaker 2: I've been exercising more than I have in my entire life.

916
00:42:51,320 --> 00:42:54,360
Speaker 2: I probably go to the gym and exercise five to

917
00:42:54,400 --> 00:42:56,880
Speaker 2: seven hours a week now, and I just feel really

918
00:42:56,960 --> 00:42:59,799
Speaker 2: healthy and really strong. I really got into that Peter

919
00:43:00,160 --> 00:43:01,440
Speaker 2: Tea Outlive book. Man.

920
00:43:01,480 --> 00:43:03,000
Speaker 3: I read that and I'm like, let me see if

921
00:43:03,000 --> 00:43:07,000
Speaker 3: I can do this, get that Centurion to cathalon Right.

922
00:43:07,680 --> 00:43:10,759
Speaker 3: So I've been leaning into that on Monday, and then

923
00:43:11,560 --> 00:43:15,239
Speaker 3: by the time Monday rolls around, if I continue to

924
00:43:15,320 --> 00:43:18,440
Speaker 3: do this three day work week, I'm going to just

925
00:43:18,480 --> 00:43:20,960
Speaker 3: try to do those ever important things that you know

926
00:43:21,200 --> 00:43:23,920
Speaker 3: need to happen around the house man that is, preparing

927
00:43:23,960 --> 00:43:26,640
Speaker 3: for the week for food, going to the grocery store,

928
00:43:27,080 --> 00:43:29,759
Speaker 3: you know, doing meal prep, cleaning the house a little bit,

929
00:43:29,840 --> 00:43:31,960
Speaker 3: and then lo and behold, the kids come home around

930
00:43:31,960 --> 00:43:34,120
Speaker 3: three thirty. So it's not that long of a day

931
00:43:34,239 --> 00:43:36,080
Speaker 3: really for Mondays and then.

932
00:43:35,960 --> 00:43:38,440
Speaker 2: Tuesday through Thursday. Yes, I still go to the gym

933
00:43:38,520 --> 00:43:40,480
Speaker 2: in the morning and exercise because I want to start

934
00:43:40,480 --> 00:43:42,399
Speaker 2: my day off on the right way. But those would

935
00:43:42,400 --> 00:43:45,160
Speaker 2: be my workdays, so I work, you know, between ten

936
00:43:45,480 --> 00:43:48,040
Speaker 2: and three on most of those days when my wife

937
00:43:48,120 --> 00:43:49,719
Speaker 2: is at the office. Tuesday and Thursday, I have to

938
00:43:49,719 --> 00:43:52,520
Speaker 2: pick up the kids, so that really ends my day

939
00:43:52,560 --> 00:43:55,680
Speaker 2: around three thirty. Wednesday, I work a little later, and

940
00:43:55,719 --> 00:43:58,719
Speaker 2: then Friday rolls around, and yeah, that is the day

941
00:43:58,719 --> 00:43:59,719
Speaker 2: where I'm able.

942
00:43:59,440 --> 00:44:02,759
Speaker 3: To connect with more friends. So Friday lunch, I think

943
00:44:02,800 --> 00:44:04,759
Speaker 3: most people can kind of slough off and go hang

944
00:44:04,800 --> 00:44:06,600
Speaker 3: out with me for lunch. I've played pick a ball

945
00:44:06,640 --> 00:44:09,600
Speaker 3: with friends on Friday. I've even caught some movies on

946
00:44:09,680 --> 00:44:12,000
Speaker 3: Friday with some friends where we will be the only

947
00:44:12,040 --> 00:44:14,280
Speaker 3: people in the theater, which.

948
00:44:14,080 --> 00:44:15,799
Speaker 1: Is a few blue hairs in the back or something

949
00:44:15,800 --> 00:44:16,600
Speaker 1: exactly right.

950
00:44:16,680 --> 00:44:19,640
Speaker 2: Yeah, So usually if I could design it around that.

951
00:44:19,640 --> 00:44:23,400
Speaker 2: It's usually like, you know, focus on Nicole and I

952
00:44:23,480 --> 00:44:26,080
Speaker 2: on Monday and just family stuff on Monday, and then

953
00:44:26,120 --> 00:44:28,720
Speaker 2: Friday leaning into some friends and getting together with folks,

954
00:44:28,960 --> 00:44:31,760
Speaker 2: and that just frees my whole weekend up for whatever.

955
00:44:31,800 --> 00:44:33,640
Speaker 2: I don't I try to plan nothing on the weekend.

956
00:44:33,640 --> 00:44:36,040
Speaker 1: And then you mentioned it. I love that. I love

957
00:44:36,080 --> 00:44:38,600
Speaker 1: that you mentioned like getting some stuff done around the house,

958
00:44:38,960 --> 00:44:42,760
Speaker 1: and it just sparked the thought that owning your time

959
00:44:43,320 --> 00:44:44,879
Speaker 1: is probably allowing you to save money in a bunch

960
00:44:44,880 --> 00:44:47,799
Speaker 1: of ways. To think about all of the ways we

961
00:44:47,880 --> 00:44:53,000
Speaker 1: are tempted to use expensive convenience services to help us

962
00:44:53,160 --> 00:44:56,520
Speaker 1: get through a busy week where we're out the door early,

963
00:44:56,719 --> 00:44:59,080
Speaker 1: we're coming in late, and like got to get dinner

964
00:44:59,120 --> 00:45:01,879
Speaker 1: on the table. I guess we're doing Uber eats tonight, right,

965
00:45:01,920 --> 00:45:03,919
Speaker 1: that kind of stuff. So do you think that owning

966
00:45:03,960 --> 00:45:05,680
Speaker 1: your time has actually allowed you in a lot of

967
00:45:05,680 --> 00:45:07,160
Speaker 1: ways to save money?

968
00:45:07,200 --> 00:45:09,360
Speaker 2: Absolutely? That was only allowed me to save money, but

969
00:45:09,400 --> 00:45:12,000
Speaker 2: it's also better for my health because instead of somebody

970
00:45:12,000 --> 00:45:14,040
Speaker 2: else mowing my lawn, I mowed my lawn. Instead of

971
00:45:14,080 --> 00:45:16,840
Speaker 2: somebody else shoveling my driveway, I shovel my driveway. Instead

972
00:45:16,880 --> 00:45:20,680
Speaker 2: of somebody else making me food at a restaurant with

973
00:45:20,840 --> 00:45:23,759
Speaker 2: a lot of butter and a lot of salt. I'm

974
00:45:23,800 --> 00:45:26,319
Speaker 2: making the food the way I need to make it

975
00:45:26,360 --> 00:45:29,080
Speaker 2: at home, so I know it's heart healthy and I'm

976
00:45:29,120 --> 00:45:31,920
Speaker 2: feeling good. Of course, we still eat out, but the

977
00:45:31,960 --> 00:45:34,759
Speaker 2: majority of the time it's eating at home, and we're

978
00:45:34,800 --> 00:45:37,960
Speaker 2: creating in a way that's good for us. So absolutely,

979
00:45:38,000 --> 00:45:39,960
Speaker 2: And if we're totally pressed for time, it would be

980
00:45:39,960 --> 00:45:42,040
Speaker 2: one of those things where it's like, I can't help

981
00:45:42,080 --> 00:45:44,600
Speaker 2: clean the house at all, sweetheart, Let's get a made

982
00:45:44,760 --> 00:45:47,120
Speaker 2: you know what they're cleaning lady once a week. You

983
00:45:47,120 --> 00:45:48,680
Speaker 2: know you could just do that over and over again.

984
00:45:48,760 --> 00:45:51,720
Speaker 2: You could say, sure, you know, so we have time

985
00:45:52,200 --> 00:45:53,759
Speaker 2: to be able to take care of our home. We

986
00:45:53,840 --> 00:45:56,799
Speaker 2: bought this house, we love it, but then we didn't

987
00:45:56,840 --> 00:45:58,120
Speaker 2: have any time to take care of it, so we

988
00:45:58,160 --> 00:46:00,440
Speaker 2: had to outsource a bunch of stuff and spend a

989
00:46:00,440 --> 00:46:01,919
Speaker 2: lot of money to take care of it. So yeah,

990
00:46:01,920 --> 00:46:03,719
Speaker 2: I completely agree with you. Now, with more free time,

991
00:46:03,760 --> 00:46:06,360
Speaker 2: we're able to spend less on home ownership.

992
00:46:06,800 --> 00:46:09,239
Speaker 1: I think some people too, and maybe goes back to

993
00:46:09,320 --> 00:46:13,040
Speaker 1: the American puritanical work ethic or something like that, but

994
00:46:13,440 --> 00:46:15,759
Speaker 1: people tend to work long hours almost out of like

995
00:46:15,800 --> 00:46:20,040
Speaker 1: a sense of guilt or obligation, even if they make

996
00:46:20,160 --> 00:46:23,400
Speaker 1: enough money and they have like good money habits. Is

997
00:46:23,440 --> 00:46:26,000
Speaker 1: that something that you've seen and that maybe you've helped

998
00:46:26,080 --> 00:46:27,040
Speaker 1: people overcome.

999
00:46:27,840 --> 00:46:30,640
Speaker 2: Yeah, it's a challenge because it is in our culture.

1000
00:46:30,840 --> 00:46:32,840
Speaker 2: And don't get me wrong, I think there's something to

1001
00:46:32,920 --> 00:46:36,680
Speaker 2: be said about having pride in your work and doing

1002
00:46:36,719 --> 00:46:40,560
Speaker 2: it well. But there's an extent to everything, right how

1003
00:46:40,640 --> 00:46:44,319
Speaker 2: much you know, if you lean into that mantra too much,

1004
00:46:44,400 --> 00:46:46,600
Speaker 2: you know, and if there's corporations behind it, you know,

1005
00:46:46,719 --> 00:46:49,040
Speaker 2: sixty seventy hours is something to be proud of. Don't

1006
00:46:49,080 --> 00:46:51,399
Speaker 2: sleep right, you know, get three hours a week of

1007
00:46:51,640 --> 00:46:54,719
Speaker 2: you know, three hours a night of sleep. No, think

1008
00:46:54,719 --> 00:46:57,520
Speaker 2: about what's best for your health, and think about what's

1009
00:46:57,600 --> 00:47:00,480
Speaker 2: best for your sanity, and make sure that somebody else

1010
00:47:00,520 --> 00:47:03,360
Speaker 2: isn't dictating what they think is best for you. So

1011
00:47:03,560 --> 00:47:06,200
Speaker 2: for me, at this portion of my life, working three

1012
00:47:06,320 --> 00:47:08,760
Speaker 2: days a week twenty to twenty five hours a week

1013
00:47:09,040 --> 00:47:12,440
Speaker 2: feels really good. I have never felt so healthy. And

1014
00:47:12,680 --> 00:47:15,480
Speaker 2: I think that there can be some mantras out there

1015
00:47:15,520 --> 00:47:18,400
Speaker 2: in our society that maybe aren't the best for us.

1016
00:47:18,480 --> 00:47:21,040
Speaker 2: I know that people can overwork and that can lead

1017
00:47:21,080 --> 00:47:23,920
Speaker 2: to a shorter life span. And that's not something that

1018
00:47:23,960 --> 00:47:28,200
Speaker 2: I'm interested in overworking for somebody else and then dying early.

1019
00:47:28,440 --> 00:47:31,920
Speaker 2: Not interested in that. I would rather work fewer hours

1020
00:47:32,360 --> 00:47:35,600
Speaker 2: and do well with that work and provide fruit for

1021
00:47:35,640 --> 00:47:38,680
Speaker 2: my family, but then also be present for my family

1022
00:47:38,719 --> 00:47:41,719
Speaker 2: so I can actually enjoy my life and time with them.

1023
00:47:41,840 --> 00:47:45,160
Speaker 1: I love it, Andie, it's been a lovely conversation. Where

1024
00:47:45,160 --> 00:47:47,560
Speaker 1: can how do money listeners find out more about you

1025
00:47:47,640 --> 00:47:49,120
Speaker 1: and about your awesome new book?

1026
00:47:49,480 --> 00:47:53,040
Speaker 2: Absolutely Well On Your Time is available and next week

1027
00:47:53,080 --> 00:47:55,600
Speaker 2: it comes out January twenty first, So if you're interested

1028
00:47:55,640 --> 00:47:58,120
Speaker 2: in pre ordering and supporting our goal and having it

1029
00:47:58,200 --> 00:47:59,960
Speaker 2: arrive at your house next week, you can find it

1030
00:48:00,040 --> 00:48:02,759
Speaker 2: on Amazon or Barnes and Noble, and you can find

1031
00:48:02,800 --> 00:48:05,120
Speaker 2: that anywhere again. Own your Time by Andy Hill. And

1032
00:48:05,160 --> 00:48:08,240
Speaker 2: if you're interested in listening to more of my voice, marriage,

1033
00:48:08,280 --> 00:48:10,040
Speaker 2: kids and Money is the podcast, and that's a great

1034
00:48:10,040 --> 00:48:10,680
Speaker 2: place to find me.

1035
00:48:10,840 --> 00:48:13,080
Speaker 1: Awesome, Andy, I appreciate you, man, Thank you, thank you.

1036
00:48:13,200 --> 00:48:18,600
Speaker 1: Joel all Right, gotta love that message from Andy and

1037
00:48:18,880 --> 00:48:22,200
Speaker 1: the way he talks about it like this is this

1038
00:48:22,239 --> 00:48:28,000
Speaker 1: is clearly a message that he has internalized right that

1039
00:48:28,040 --> 00:48:32,440
Speaker 1: he has truly built this life where he has a

1040
00:48:32,480 --> 00:48:34,960
Speaker 1: lot of control over what his days look like and

1041
00:48:35,040 --> 00:48:38,680
Speaker 1: for his ability to spend time with his family, over

1042
00:48:38,800 --> 00:48:41,480
Speaker 1: his ability to pick his kids up from school at

1043
00:48:41,480 --> 00:48:43,960
Speaker 1: three point thirty. A lot of people don't have that

1044
00:48:44,080 --> 00:48:49,360
Speaker 1: sort of control. And when you hear what Andy's life

1045
00:48:49,400 --> 00:48:51,960
Speaker 1: looks like, I guess my question for you is is

1046
00:48:52,280 --> 00:48:54,600
Speaker 1: that something you want more of? Like do you want

1047
00:48:54,640 --> 00:48:58,120
Speaker 1: more control over what your days look like in the

1048
00:48:58,160 --> 00:49:01,360
Speaker 1: here and now? And going back to kind of that

1049
00:49:01,400 --> 00:49:04,399
Speaker 1: beginning of Andy' story, like he wasn't born on third base,

1050
00:49:04,480 --> 00:49:07,040
Speaker 1: Like he didn't have that immediately. It took a long

1051
00:49:07,160 --> 00:49:10,560
Speaker 1: time for him to build in that direction, but he

1052
00:49:10,680 --> 00:49:15,160
Speaker 1: built intentionally towards something specific and now even I love

1053
00:49:15,160 --> 00:49:18,600
Speaker 1: what he talked about, even just the experimentation right of

1054
00:49:18,920 --> 00:49:20,960
Speaker 1: bringing it down to a three day work week. And

1055
00:49:21,000 --> 00:49:23,719
Speaker 1: most people would be like, that's insane. You are in

1056
00:49:23,760 --> 00:49:26,560
Speaker 1: the building. I mean, Andy's about my age. It's like

1057
00:49:26,600 --> 00:49:29,000
Speaker 1: you're in the you're in the building section of your career,

1058
00:49:29,040 --> 00:49:32,080
Speaker 1: man like, and you're you're taking your foot off the pedal.

1059
00:49:32,320 --> 00:49:36,480
Speaker 1: I don't understand, And yet for Andy it means I

1060
00:49:36,480 --> 00:49:39,000
Speaker 1: don't necessarily need more like I've done the saving and

1061
00:49:39,040 --> 00:49:43,040
Speaker 1: investing thing really well. I've done the frugality thing really well,

1062
00:49:43,120 --> 00:49:46,239
Speaker 1: and so I want more control now. I don't necessarily

1063
00:49:46,280 --> 00:49:49,600
Speaker 1: want just just full on retirement when I'm in my sixties.

1064
00:49:49,640 --> 00:49:51,279
Speaker 1: I want to be able to experience and taste some

1065
00:49:51,360 --> 00:49:55,040
Speaker 1: of that during this time right now. And so he

1066
00:49:55,040 --> 00:49:58,320
Speaker 1: said it starts with a dream, and I think maybe

1067
00:49:58,320 --> 00:50:00,759
Speaker 1: the most powerful thing my biggest takeawy from this conversation

1068
00:50:01,600 --> 00:50:04,719
Speaker 1: was when he said, make sure somebody else isn't dictating

1069
00:50:04,760 --> 00:50:07,239
Speaker 1: what's best for you. And I think maybe it is

1070
00:50:07,320 --> 00:50:10,040
Speaker 1: the purits and work ethic I referenced, or it's what

1071
00:50:10,120 --> 00:50:12,600
Speaker 1: we see going on in the culture around us, and

1072
00:50:12,640 --> 00:50:15,520
Speaker 1: we are just subtly influenced, or we're like, man, most

1073
00:50:15,520 --> 00:50:18,680
Speaker 1: of my friends are working like big time jobs and

1074
00:50:18,760 --> 00:50:23,000
Speaker 1: they're commuting and they're making solid money and buying bigger

1075
00:50:23,000 --> 00:50:27,080
Speaker 1: houses and nicer cars, and it just maybe we haven't

1076
00:50:27,120 --> 00:50:30,560
Speaker 1: done the work to think through whether or not that's

1077
00:50:30,560 --> 00:50:32,360
Speaker 1: what we want our lives to look like. And maybe

1078
00:50:32,360 --> 00:50:35,960
Speaker 1: you do, and that's fine, that's fine, But if this

1079
00:50:36,040 --> 00:50:39,680
Speaker 1: message reverberates with you, the ability to own more of

1080
00:50:39,719 --> 00:50:42,920
Speaker 1: your time, there is a path to get there. Andy's

1081
00:50:43,239 --> 00:50:45,239
Speaker 1: message is that and I think his new book can

1082
00:50:45,280 --> 00:50:47,120
Speaker 1: help you in that direction, and that is something we

1083
00:50:47,160 --> 00:50:49,440
Speaker 1: will continue to talk about here on the How to

1084
00:50:49,520 --> 00:50:52,919
Speaker 1: Money podcast. It's something Matt and I have implemented. We've

1085
00:50:53,000 --> 00:50:55,160
Speaker 1: talked in the past about how we don't work on

1086
00:50:55,560 --> 00:50:58,480
Speaker 1: Fridays and guess what, we're not here at eight am

1087
00:50:58,560 --> 00:51:02,160
Speaker 1: sharp most days or really ever so the ability to

1088
00:51:02,200 --> 00:51:05,239
Speaker 1: own more of our time now it has been incredibly

1089
00:51:05,280 --> 00:51:10,240
Speaker 1: meaningful to us, especially as dads of young ish kids

1090
00:51:10,680 --> 00:51:13,400
Speaker 1: and as guys who want to do more than just

1091
00:51:13,480 --> 00:51:17,160
Speaker 1: work and build something like We have other goals in

1092
00:51:17,200 --> 00:51:20,919
Speaker 1: our lives and the true desires to have a well

1093
00:51:21,000 --> 00:51:23,800
Speaker 1: rounded life, not just a life where we have tons

1094
00:51:23,800 --> 00:51:26,399
Speaker 1: of money but very little, very little time to use

1095
00:51:26,400 --> 00:51:30,960
Speaker 1: that money. So yeah, thank you as always for listening.

1096
00:51:31,040 --> 00:51:34,000
Speaker 1: I hope this episode was helpful and inspirational. You can

1097
00:51:34,040 --> 00:51:38,120
Speaker 1: find more information and links to Andy's book up on

1098
00:51:38,160 --> 00:51:41,560
Speaker 1: our website at howtomoney dot com. Until next time, Best

1099
00:51:41,600 --> 00:51:42,120
Speaker 1: Friend Out.