1 00:00:00,080 --> 00:00:02,960 Speaker 1: Welcome to How to Money. I'm Joel, I'm Matt, and. 2 00:00:02,920 --> 00:00:06,960 Speaker 2: Today we're talking impoverished upbringing to Money Monster with listener 3 00:00:07,120 --> 00:00:27,400 Speaker 2: Nick Gangwor. Yeah, so we are. 4 00:00:27,320 --> 00:00:30,720 Speaker 1: Doing something completely new for our episode today. We're gonna 5 00:00:30,720 --> 00:00:33,159 Speaker 1: hear from a listener, but not in the form of 6 00:00:33,200 --> 00:00:36,200 Speaker 1: a question that's submitted via a voice memo, but we're 7 00:00:36,200 --> 00:00:39,159 Speaker 1: actually sitting down and having a real money conversation with 8 00:00:39,560 --> 00:00:42,280 Speaker 1: Like Joel said, Nick Gangwor. We met Nick at a 9 00:00:42,360 --> 00:00:46,519 Speaker 1: listener hang about a year ago at a brewery of course, 10 00:00:47,440 --> 00:00:49,959 Speaker 1: and we heard a story. He shared it with us. 11 00:00:50,000 --> 00:00:52,240 Speaker 1: We learned about the proactive steps that he had taken 12 00:00:52,280 --> 00:00:55,320 Speaker 1: to completely change his trajectory in life, and it was 13 00:00:55,360 --> 00:00:59,080 Speaker 1: incredibly inspirational to us as personal finance creators. And then 14 00:00:59,080 --> 00:01:02,200 Speaker 1: more recently, we realized that his story could be incredibly 15 00:01:02,320 --> 00:01:05,679 Speaker 1: motivational to the broader had the money community of all 16 00:01:05,720 --> 00:01:07,640 Speaker 1: you money nerds out there. So this is why we 17 00:01:07,640 --> 00:01:10,360 Speaker 1: were having him on to share his story with you 18 00:01:10,520 --> 00:01:12,679 Speaker 1: the listener out there today. So Nick, thank you so 19 00:01:12,720 --> 00:01:14,600 Speaker 1: much for joining us today on the podcast. Man. 20 00:01:14,800 --> 00:01:17,080 Speaker 3: Yeah, absolutely, guys, I appreciate you having me. Matt Joe, 21 00:01:17,120 --> 00:01:18,080 Speaker 3: thank you of course. 22 00:01:18,240 --> 00:01:20,000 Speaker 2: Nick Glad to have you along for the ride today 23 00:01:20,040 --> 00:01:24,280 Speaker 2: Man and Nick actually had the Money was Nick's first podcast. 24 00:01:25,200 --> 00:01:28,320 Speaker 2: It was, Yeah, let's first first questions that we obviously 25 00:01:28,360 --> 00:01:29,800 Speaker 2: have to ask you. What's your craft beer equivalent? 26 00:01:29,800 --> 00:01:30,080 Speaker 1: My friend? 27 00:01:30,280 --> 00:01:33,039 Speaker 3: Absolutely, I've been thinking about this answer for a while 28 00:01:33,040 --> 00:01:34,759 Speaker 3: and I'm gonna say, like it's definitely health. 29 00:01:34,880 --> 00:01:36,680 Speaker 4: Like I spoiled myself with my health. 30 00:01:36,720 --> 00:01:39,800 Speaker 1: Health all right, yeah, this mean botox where we're talking. 31 00:01:40,840 --> 00:01:44,319 Speaker 3: Actually, my gym membership surprisingly saw its. I go to 32 00:01:44,360 --> 00:01:46,759 Speaker 3: Windy Hill and I've been looking, like my first trip 33 00:01:46,800 --> 00:01:48,800 Speaker 3: to Atlanta, it was so hard to find a gym, 34 00:01:48,840 --> 00:01:50,320 Speaker 3: Like I went to like four or five different ones, 35 00:01:50,360 --> 00:01:52,600 Speaker 3: like I went to ton of Finniss, the Crunch trying 36 00:01:52,600 --> 00:01:54,600 Speaker 3: to find all the crossfits stuff like that, and found 37 00:01:54,600 --> 00:01:55,160 Speaker 3: Windy Hill. 38 00:01:55,720 --> 00:01:57,080 Speaker 4: And that's a beautiful club. 39 00:01:57,240 --> 00:01:59,360 Speaker 1: Yeah, it's a club like he can go there and 40 00:01:59,400 --> 00:02:02,400 Speaker 1: play squad because because that was before. 41 00:02:02,280 --> 00:02:05,080 Speaker 3: I've lost many times the people my age, and they 42 00:02:05,080 --> 00:02:07,920 Speaker 3: will they'll work you. They have a good poker face. 43 00:02:08,360 --> 00:02:10,440 Speaker 3: I yeah, I joined there and they have like a 44 00:02:10,440 --> 00:02:12,520 Speaker 3: little coffee shop. They actually have a tap room as well, 45 00:02:12,600 --> 00:02:16,120 Speaker 3: so you work there maybe right off, I don't know. 46 00:02:16,919 --> 00:02:17,960 Speaker 4: I talk about money. 47 00:02:17,800 --> 00:02:20,000 Speaker 1: Business, Okay, so like again truly, like we're going to 48 00:02:20,080 --> 00:02:22,639 Speaker 1: dive into Nick's like personal finances, Like do you mind 49 00:02:22,639 --> 00:02:23,480 Speaker 1: sharing how much you're paying? 50 00:02:23,800 --> 00:02:26,960 Speaker 4: So it's a two twenty five a month. 51 00:02:26,919 --> 00:02:29,360 Speaker 2: Okay, free beers in the tap room because I might 52 00:02:29,400 --> 00:02:30,079 Speaker 2: give them money for. 53 00:02:30,080 --> 00:02:33,480 Speaker 4: Which I was Yeah, like I said, one free one 54 00:02:33,480 --> 00:02:34,079 Speaker 4: beer every day. 55 00:02:34,520 --> 00:02:38,480 Speaker 1: Well, you can't know because if it's all you can 56 00:02:38,760 --> 00:02:42,480 Speaker 1: see right, like they would be losing money. How much 57 00:02:42,520 --> 00:02:43,840 Speaker 1: time I would be spender. 58 00:02:44,280 --> 00:02:47,560 Speaker 2: Okay, we got to hear too, Nick, how not just 59 00:02:47,680 --> 00:02:50,440 Speaker 2: your first money podcast but literally your first podcast episode 60 00:02:51,000 --> 00:02:53,440 Speaker 2: was how to money when You're going off to college? 61 00:02:53,600 --> 00:02:54,520 Speaker 1: How did that come about? 62 00:02:54,560 --> 00:02:55,360 Speaker 4: Yeah, it definitely was. 63 00:02:55,440 --> 00:02:57,600 Speaker 3: So. When I was in high school, I applied to 64 00:02:57,639 --> 00:03:00,360 Speaker 3: so many different colleges, like probably twenty and thirty everything 65 00:03:00,400 --> 00:03:04,000 Speaker 3: that could probably accept me. And when I was very blessed, 66 00:03:04,440 --> 00:03:07,280 Speaker 3: I got a call from the University of Alabama. I 67 00:03:07,360 --> 00:03:10,639 Speaker 3: probably sent over one hundred application for scholarships. Every single 68 00:03:10,720 --> 00:03:13,359 Speaker 3: scholarship that was online or that I could fill out 69 00:03:13,400 --> 00:03:15,919 Speaker 3: myself or if you like mail in, I would probably 70 00:03:15,919 --> 00:03:19,000 Speaker 3: applied to over two hundred scholarships during like in person 71 00:03:19,040 --> 00:03:22,480 Speaker 3: and online. Wow, the University of Alabama called me. I 72 00:03:22,480 --> 00:03:24,560 Speaker 3: remember this like frequently. I was on a bus going 73 00:03:24,560 --> 00:03:26,440 Speaker 3: to a soccer game and my best friend was sitting 74 00:03:26,440 --> 00:03:29,480 Speaker 3: next to me. I get his phone call. It's like 75 00:03:29,600 --> 00:03:31,799 Speaker 3: telemarketer almost and I was like, oh, I'm not gonna answer. 76 00:03:31,800 --> 00:03:33,440 Speaker 3: He's like, dude, you're not doing anything on a bus 77 00:03:33,440 --> 00:03:35,040 Speaker 3: go into a soccer game. I just answer phone. I'm 78 00:03:35,080 --> 00:03:37,480 Speaker 3: all right, cool answer phone? Like hey, is this Nick Ingram. 79 00:03:37,520 --> 00:03:39,360 Speaker 3: I'm like, yes, this is like this is actually, uh, 80 00:03:39,560 --> 00:03:41,160 Speaker 3: this is Coca Cola. We want to call you to 81 00:03:41,200 --> 00:03:43,520 Speaker 3: offer you a first generation scholarship. You are one of 82 00:03:43,520 --> 00:03:45,360 Speaker 3: the fourteen people that are going to go to Alabama. 83 00:03:45,520 --> 00:03:45,760 Speaker 1: WHOA. 84 00:03:46,560 --> 00:03:49,600 Speaker 3: I just broke down in tears. And my buddy, he's 85 00:03:49,640 --> 00:03:50,560 Speaker 3: like my brother for life. 86 00:03:51,040 --> 00:03:51,360 Speaker 4: Nadelle. 87 00:03:51,360 --> 00:03:53,640 Speaker 3: If you're listening, thank you so much for letting me 88 00:03:53,640 --> 00:03:54,440 Speaker 3: answer that phone call. 89 00:03:55,480 --> 00:03:57,320 Speaker 4: Yeah, he's like hugged me. He's like he's like, this 90 00:03:57,440 --> 00:03:59,160 Speaker 4: is you're going? Like, let's do it. 91 00:03:59,480 --> 00:03:59,960 Speaker 1: That's awesome. 92 00:04:00,200 --> 00:04:02,880 Speaker 3: And it was really cool. So I was going to Alabama. 93 00:04:02,960 --> 00:04:06,080 Speaker 3: I got a couple of our scholarships offers. Actually was 94 00:04:06,080 --> 00:04:09,040 Speaker 3: going to go to debt free from undergrad and I 95 00:04:09,080 --> 00:04:10,600 Speaker 3: was like, wow, I got this big lumps of money. 96 00:04:11,120 --> 00:04:12,440 Speaker 3: I have no idea what to do with it. My 97 00:04:12,480 --> 00:04:15,240 Speaker 3: mom like didn't even make above twenty k, and like 98 00:04:15,320 --> 00:04:17,200 Speaker 3: I roof for my head. I had food, Like I 99 00:04:17,360 --> 00:04:19,400 Speaker 3: was very blessed what I had, but I never knew 100 00:04:19,440 --> 00:04:21,640 Speaker 3: like people bought cars that car payments like I just 101 00:04:21,640 --> 00:04:23,640 Speaker 3: never never had a car that could even work, let 102 00:04:23,680 --> 00:04:25,880 Speaker 3: alone like oh, we got to do a finance or 103 00:04:25,880 --> 00:04:27,120 Speaker 3: I have the credit card stuff like that. So when 104 00:04:27,160 --> 00:04:28,520 Speaker 3: I got this big lumpston, I was like, I need 105 00:04:28,520 --> 00:04:30,839 Speaker 3: to be educated before I go. So I packed up 106 00:04:30,880 --> 00:04:33,760 Speaker 3: my little baby clips paid for all cash. I staved 107 00:04:33,760 --> 00:04:35,360 Speaker 3: for like three or four years to get this car 108 00:04:35,440 --> 00:04:38,839 Speaker 3: all cash. And it was like so reggedy, so old, 109 00:04:38,880 --> 00:04:40,400 Speaker 3: But if it's everything I had in my in my 110 00:04:40,680 --> 00:04:42,760 Speaker 3: closet was there, and I was like looking for a 111 00:04:42,760 --> 00:04:44,720 Speaker 3: podcast and I found you guys. I was like, oh 112 00:04:44,720 --> 00:04:46,800 Speaker 3: my god. I was like, well, I like beer, I 113 00:04:46,880 --> 00:04:50,160 Speaker 3: like money. I said, it's gonna be awesome, cool du 114 00:04:50,560 --> 00:04:53,800 Speaker 3: yeah people, and listened to it for my two hour 115 00:04:53,920 --> 00:04:55,520 Speaker 3: drive to Bama, and it was amazing. 116 00:04:55,880 --> 00:04:58,839 Speaker 1: Nice. He doesn't listen to anymore, folks. But I'm glad 117 00:04:58,839 --> 00:05:00,960 Speaker 1: that you were able to fight this early on. So, 118 00:05:01,040 --> 00:05:02,560 Speaker 1: I mean, one of the reasons I think this is 119 00:05:02,560 --> 00:05:04,359 Speaker 1: going to be a little bit different. Is like typically 120 00:05:04,360 --> 00:05:06,920 Speaker 1: we have authors on and it's folks who have written 121 00:05:06,960 --> 00:05:09,760 Speaker 1: something and so we've been able to breathe through, you know, 122 00:05:09,800 --> 00:05:13,080 Speaker 1: their expertise and like something that they've been thinking about 123 00:05:13,080 --> 00:05:15,000 Speaker 1: and researching for a really long time. But with you, 124 00:05:15,440 --> 00:05:17,960 Speaker 1: I mean, we're really bringing you on to for you 125 00:05:18,000 --> 00:05:20,040 Speaker 1: to share your story. Yeah, and so we're certainly going 126 00:05:20,080 --> 00:05:22,960 Speaker 1: to give you the opportunity to do that. We're gonna 127 00:05:23,120 --> 00:05:25,400 Speaker 1: find different ways to kind of pull some different questions 128 00:05:25,440 --> 00:05:26,960 Speaker 1: out of you. But you want to share just just 129 00:05:27,000 --> 00:05:29,960 Speaker 1: your upbringing. You talked about maybe growing up in poverty. 130 00:05:30,040 --> 00:05:31,680 Speaker 1: You said your mom didn't make more than twenty K. 131 00:05:31,839 --> 00:05:34,360 Speaker 1: Why it seemed like you were set on getting out 132 00:05:34,400 --> 00:05:39,320 Speaker 1: out of Alabama. Can you sort of sharehion. 133 00:05:38,360 --> 00:05:41,760 Speaker 3: My childhood is really just I feel like we overcome 134 00:05:41,800 --> 00:05:44,320 Speaker 3: our closed every single day, and every single person's story 135 00:05:44,360 --> 00:05:47,240 Speaker 3: is like different and mine. I could easy and went 136 00:05:47,320 --> 00:05:51,240 Speaker 3: left and like gone down the wrong road, involved in violence. 137 00:05:51,240 --> 00:05:52,280 Speaker 3: Like when I grew up, I was in a mobile 138 00:05:52,279 --> 00:05:55,159 Speaker 3: home park in Brower County, Florida, like nine par four, 139 00:05:55,360 --> 00:05:57,120 Speaker 3: just rough neighborhood. 140 00:05:57,160 --> 00:05:58,640 Speaker 4: I grew up in the mobile home parks. 141 00:05:58,720 --> 00:06:02,120 Speaker 3: Just my closest members for me were like selling, trapping, 142 00:06:02,320 --> 00:06:05,680 Speaker 3: just doing things that people that I moved to, like 143 00:06:05,680 --> 00:06:07,479 Speaker 3: in Alabama would never even do, like we didn't even 144 00:06:07,480 --> 00:06:10,400 Speaker 3: see like that kind of stuff. My mom got me 145 00:06:10,440 --> 00:06:14,200 Speaker 3: out of that situation. We basically like fled the actually 146 00:06:14,320 --> 00:06:17,120 Speaker 3: DHR program. So I was actually gonna be taken away 147 00:06:17,120 --> 00:06:21,120 Speaker 3: from my mom and just like cause again I was 148 00:06:21,200 --> 00:06:23,880 Speaker 3: just almost a liability, like how you guys talked about 149 00:06:23,880 --> 00:06:25,480 Speaker 3: like assets and liabily. I was literally a liability to 150 00:06:25,520 --> 00:06:28,120 Speaker 3: my mom because she was just working two jobs like 151 00:06:28,200 --> 00:06:30,159 Speaker 3: put foot on the table, loved me so much, and 152 00:06:30,200 --> 00:06:31,760 Speaker 3: I was just I couldn't do anything before it because 153 00:06:31,760 --> 00:06:34,080 Speaker 3: I was like in elementary school. I was in the 154 00:06:34,080 --> 00:06:35,880 Speaker 3: first grade, second grade. I could like bring how many 155 00:06:35,880 --> 00:06:39,400 Speaker 3: bills to help pay for it. And so when we 156 00:06:39,480 --> 00:06:42,520 Speaker 3: went back to Alabama, still in the same situation, but 157 00:06:43,120 --> 00:06:45,279 Speaker 3: she was grinding, like working, and that's when I was 158 00:06:45,360 --> 00:06:46,800 Speaker 3: like old enough to like to work. So I got 159 00:06:46,839 --> 00:06:48,440 Speaker 3: my first job when I was twelve years old. I 160 00:06:48,480 --> 00:06:52,400 Speaker 3: was a dishwasher for an Italian restaurant. It was honestly amazing. 161 00:06:52,480 --> 00:06:54,800 Speaker 3: I got bring up some mixer capital, some cash, and 162 00:06:54,800 --> 00:06:56,120 Speaker 3: I helped my mom like the bills like the first 163 00:06:56,160 --> 00:06:57,840 Speaker 3: bill is hour paying was like the water bill or 164 00:06:57,960 --> 00:06:59,760 Speaker 3: like the power bill, and if things would ever go sour, 165 00:06:59,839 --> 00:07:01,360 Speaker 3: like I knew how to turn on the water back 166 00:07:01,360 --> 00:07:03,760 Speaker 3: on the road, I knew how to take somebody's cable 167 00:07:03,800 --> 00:07:05,160 Speaker 3: so we could have some TV or stuff like that. 168 00:07:05,240 --> 00:07:07,719 Speaker 3: And it's like the skills that you don't want to 169 00:07:07,720 --> 00:07:10,200 Speaker 3: teach a kid, but also the stuff that you need 170 00:07:10,240 --> 00:07:11,800 Speaker 3: to survive. I mean we grew up and like we 171 00:07:11,880 --> 00:07:15,280 Speaker 3: had to survive. And then now it's like like at 172 00:07:15,320 --> 00:07:17,080 Speaker 3: the time where high school where I was like I 173 00:07:17,160 --> 00:07:19,520 Speaker 3: need to focus, So I took a bunch of AP classes. 174 00:07:19,800 --> 00:07:20,960 Speaker 4: I applied to do enrollment. 175 00:07:21,440 --> 00:07:24,560 Speaker 3: I look at college, so I took college courses for 176 00:07:24,640 --> 00:07:27,720 Speaker 3: free because of my I guess my free reduced lunch. 177 00:07:27,880 --> 00:07:30,120 Speaker 3: I could even click the lowest button because it was 178 00:07:30,160 --> 00:07:32,480 Speaker 3: like does your mom make thirty five K? And I 179 00:07:32,480 --> 00:07:33,840 Speaker 3: was like, well it doesn't, like because it's go only 180 00:07:33,840 --> 00:07:35,400 Speaker 3: lower than that, it doesn't. It wasn't even there wasn't 181 00:07:35,440 --> 00:07:37,200 Speaker 3: even something lower on the paper to fill out. 182 00:07:37,800 --> 00:07:40,720 Speaker 2: And so so what were you what was your experience 183 00:07:40,760 --> 00:07:44,320 Speaker 2: with money then? Was it non existent? Was it shameful? 184 00:07:44,600 --> 00:07:47,840 Speaker 2: Was it there's just never enough? Like and I haven't 185 00:07:47,880 --> 00:07:51,440 Speaker 2: even seen examples of there being enough Like how did 186 00:07:51,480 --> 00:07:53,680 Speaker 2: you know that you wanted to get good with money 187 00:07:53,720 --> 00:07:54,600 Speaker 2: or that you felt. 188 00:07:54,600 --> 00:07:55,880 Speaker 1: Because you had this drive? 189 00:07:55,960 --> 00:07:59,320 Speaker 2: It seems like two start working at twelve, applying for scholarships, 190 00:07:59,440 --> 00:08:01,880 Speaker 2: going to college, first person in your family. Where did 191 00:08:01,920 --> 00:08:03,440 Speaker 2: that come from? How did that transition happen? 192 00:08:03,440 --> 00:08:05,800 Speaker 3: I think it came from just my experiences as a child, 193 00:08:05,840 --> 00:08:07,160 Speaker 3: like growing up, because I grew up, I mean I 194 00:08:07,200 --> 00:08:09,440 Speaker 3: was basically a full grown adult. I like tend I 195 00:08:09,480 --> 00:08:11,320 Speaker 3: had to be all right, Like I had to cook, 196 00:08:11,320 --> 00:08:13,360 Speaker 3: I had to clean, I had to go to work, 197 00:08:13,360 --> 00:08:14,960 Speaker 3: I had to like look at the bills or help 198 00:08:15,000 --> 00:08:16,640 Speaker 3: my mom do her taxes. I mean, I just had 199 00:08:16,680 --> 00:08:18,360 Speaker 3: to because if I didn't, like, who's going to be 200 00:08:18,360 --> 00:08:20,080 Speaker 3: the man of the house, Like who was gonna like provide, 201 00:08:20,080 --> 00:08:21,960 Speaker 3: who's going to try to teach and educate and even 202 00:08:22,040 --> 00:08:24,080 Speaker 3: grow Like our family at the end day it was 203 00:08:24,120 --> 00:08:27,160 Speaker 3: just me and my mom, And I feel like at 204 00:08:27,160 --> 00:08:31,120 Speaker 3: that time point it was on my shoulders that if 205 00:08:31,160 --> 00:08:33,400 Speaker 3: I did have a family or like a snific other 206 00:08:33,480 --> 00:08:36,320 Speaker 3: a partner, I want to provide for them, Like I 207 00:08:36,320 --> 00:08:38,200 Speaker 3: don't want that situation to be and just is like 208 00:08:38,559 --> 00:08:40,199 Speaker 3: the same thing everybody says, like I want my kids 209 00:08:40,200 --> 00:08:41,680 Speaker 3: to grow up better than me, Like that's our like 210 00:08:41,720 --> 00:08:44,839 Speaker 3: the American dream writer, like somebody's I have to come before 211 00:08:44,880 --> 00:08:47,560 Speaker 3: you to have like not struggles or not have to 212 00:08:47,559 --> 00:08:49,559 Speaker 3: figure out what they're gonna do or where they're gonna eat, 213 00:08:49,640 --> 00:08:51,240 Speaker 3: or are the lights of me on? Or if the 214 00:08:51,240 --> 00:08:52,960 Speaker 3: power's turned off, cool, it's turn on the stove because 215 00:08:52,960 --> 00:08:54,800 Speaker 3: it's gas. Now we're hot, like now we don't have 216 00:08:54,840 --> 00:08:56,719 Speaker 3: to be cold. It's just stuff like that where it's 217 00:08:56,760 --> 00:08:59,760 Speaker 3: like my family's not gonna act like that. My family's 218 00:08:59,760 --> 00:09:01,640 Speaker 3: not gonna to ever go through that, And that was 219 00:09:01,640 --> 00:09:03,520 Speaker 3: my mission. I was almost like a drive where it's 220 00:09:03,520 --> 00:09:05,960 Speaker 3: like I can't stop now or have to like be 221 00:09:06,040 --> 00:09:08,480 Speaker 3: better than my peers so I can be the best. 222 00:09:08,559 --> 00:09:10,680 Speaker 3: And that's like how like when I went to high school, 223 00:09:11,559 --> 00:09:14,240 Speaker 3: I just played sports and took ap classes, took do enrollment, 224 00:09:14,240 --> 00:09:16,840 Speaker 3: and got enough scholarships because I had to apply for everything, 225 00:09:17,360 --> 00:09:19,440 Speaker 3: got accepted a bunch of colleges, and then from there 226 00:09:20,200 --> 00:09:22,000 Speaker 3: I decided to like pick my head up and do 227 00:09:22,040 --> 00:09:23,560 Speaker 3: the best I could do, like while I was there, 228 00:09:23,559 --> 00:09:25,480 Speaker 3: Like when I went to college, the word I didn't 229 00:09:25,480 --> 00:09:27,240 Speaker 3: even know was no, like I said yes to everything. 230 00:09:27,480 --> 00:09:30,200 Speaker 4: Every single thing in college I could do. Like I 231 00:09:30,280 --> 00:09:31,679 Speaker 4: joined just from like. 232 00:09:31,640 --> 00:09:33,679 Speaker 1: A club standpoint or from a job standpoint. 233 00:09:33,840 --> 00:09:36,640 Speaker 4: Everything, Yeah, everything, all the above, all the above. 234 00:09:36,679 --> 00:09:41,200 Speaker 3: So when I first went to Bama, I joined a couple, uh, 235 00:09:41,720 --> 00:09:44,240 Speaker 3: just like clubs, Like there was a key clubs, there's 236 00:09:44,280 --> 00:09:48,040 Speaker 3: a student government body, social association. I actually joined the 237 00:09:48,080 --> 00:09:50,120 Speaker 3: rugby team at Alabama and I was played rugby for 238 00:09:50,120 --> 00:09:52,720 Speaker 3: three years and it was like an amazing experience. 239 00:09:53,160 --> 00:09:54,719 Speaker 1: I actually jained a football team too. 240 00:09:55,559 --> 00:09:57,560 Speaker 4: Yeah, pretty good football team. Yeah, it doesn't it doesn't 241 00:09:57,640 --> 00:10:00,400 Speaker 4: hurt to have a good fun. Yeah. 242 00:10:00,440 --> 00:10:02,199 Speaker 1: I did a side hustle of forts. 243 00:10:02,400 --> 00:10:02,640 Speaker 4: Yeah. 244 00:10:02,640 --> 00:10:05,040 Speaker 3: So every single year I took a different internships because 245 00:10:05,040 --> 00:10:06,480 Speaker 3: my thing was like if I can be well rounded 246 00:10:06,480 --> 00:10:08,280 Speaker 3: like a Swiss army knife, then anybody could hire me. 247 00:10:08,640 --> 00:10:10,400 Speaker 3: So I had a bunch of internships. I was with 248 00:10:10,440 --> 00:10:14,000 Speaker 3: the strength and conditioning coaches. So when coach Cochran was 249 00:10:14,000 --> 00:10:16,320 Speaker 3: there for all the mental football, I was a strength 250 00:10:16,360 --> 00:10:19,360 Speaker 3: intern and I was there like at five thirty am 251 00:10:19,360 --> 00:10:22,480 Speaker 3: with the walk ons, just like wiping down benches, helping 252 00:10:22,480 --> 00:10:25,600 Speaker 3: them move weights, doing drills, stretching out players and it's 253 00:10:25,640 --> 00:10:27,840 Speaker 3: like just learning knowledge, like just like being a bug 254 00:10:27,840 --> 00:10:29,280 Speaker 3: on the wall and like when he said to move, 255 00:10:29,679 --> 00:10:31,640 Speaker 3: I said, how fast? You know, because you're like on 256 00:10:31,679 --> 00:10:33,360 Speaker 3: the ground. You're a total poll person. So it's like 257 00:10:34,080 --> 00:10:35,200 Speaker 3: you just got to be there and help as much 258 00:10:35,200 --> 00:10:36,520 Speaker 3: as you can. And then from there I went to 259 00:10:36,559 --> 00:10:40,280 Speaker 3: the athletic marketing department learn about sales fan experiences like 260 00:10:40,360 --> 00:10:43,680 Speaker 3: when that TV hits like go, or when the football 261 00:10:43,720 --> 00:10:46,440 Speaker 3: team like when fifteen minutes like calmtdown. We have a 262 00:10:46,480 --> 00:10:49,240 Speaker 3: script and that script is down to like team minus 263 00:10:49,280 --> 00:10:51,680 Speaker 3: like milliseconds of like what's on the scoreboard, who's going 264 00:10:51,720 --> 00:10:53,480 Speaker 3: to be on the radio, who's gonna be this? Like 265 00:10:53,480 --> 00:10:56,079 Speaker 3: your script's here, it's like I mean down to the millisecond. 266 00:10:56,160 --> 00:10:57,440 Speaker 3: So like learning that, it's like you have to be 267 00:10:57,440 --> 00:10:59,120 Speaker 3: like detailed oriented, you have to have a mission and 268 00:10:59,160 --> 00:11:01,120 Speaker 3: like every single second counts. And that's how I kind 269 00:11:01,160 --> 00:11:03,000 Speaker 3: of took my personal I was like, wow, every single 270 00:11:03,040 --> 00:11:04,640 Speaker 3: second counts, like when I'm in school as well. 271 00:11:04,880 --> 00:11:06,240 Speaker 4: So that's why all these opportunities came. 272 00:11:06,280 --> 00:11:08,280 Speaker 3: I was like said yes to everything and just try 273 00:11:08,280 --> 00:11:09,960 Speaker 3: to like soak up as much knowledge as I could. 274 00:11:10,000 --> 00:11:12,320 Speaker 1: It's crazy, like so for you, it does not sound 275 00:11:12,360 --> 00:11:14,400 Speaker 1: like you had mentors. It does not sound like you 276 00:11:14,480 --> 00:11:16,959 Speaker 1: had somebody in your life early on that you were 277 00:11:16,960 --> 00:11:20,640 Speaker 1: necessarily looking up to, as opposed to you just saying 278 00:11:21,320 --> 00:11:22,960 Speaker 1: I know what is going on around me, and I 279 00:11:23,000 --> 00:11:24,440 Speaker 1: just don't want this to be my future. Like it 280 00:11:24,440 --> 00:11:26,320 Speaker 1: sounds like that that was a lot of your just 281 00:11:26,360 --> 00:11:29,280 Speaker 1: the motivation, the motivational drive behind what kind of spurred 282 00:11:29,320 --> 00:11:29,520 Speaker 1: you on. 283 00:11:29,720 --> 00:11:32,480 Speaker 3: Yeah, absolutely, I think that was a major part of 284 00:11:32,520 --> 00:11:36,080 Speaker 3: part of it. And then actually when high school came around, 285 00:11:36,920 --> 00:11:38,480 Speaker 3: like I was bringing back up, I was more like 286 00:11:38,520 --> 00:11:40,560 Speaker 3: a liability. My mom couldn't really afford me, and I 287 00:11:40,559 --> 00:11:43,079 Speaker 3: saw her her struggle, and we had some family friends 288 00:11:43,120 --> 00:11:45,600 Speaker 3: liked would pitch in, and I hated like asking for 289 00:11:45,640 --> 00:11:47,480 Speaker 3: money or even like being a burden, like staying over 290 00:11:47,480 --> 00:11:49,840 Speaker 3: our friend's house for more than a week because I 291 00:11:49,840 --> 00:11:52,160 Speaker 3: had to go to school, or like because like the 292 00:11:52,160 --> 00:11:53,599 Speaker 3: power was out, or like she had to go on 293 00:11:53,600 --> 00:11:56,880 Speaker 3: a long trips and I couldn't be there. So I 294 00:11:56,920 --> 00:11:59,320 Speaker 3: had a family friend and really good friends, and actually 295 00:11:59,320 --> 00:12:02,480 Speaker 3: like there my brothers, dur my family. I include them 296 00:12:02,520 --> 00:12:04,960 Speaker 3: as like my mom and dad, like like my foster family. 297 00:12:05,080 --> 00:12:08,320 Speaker 3: I started living with them, and you know, one week 298 00:12:08,360 --> 00:12:11,280 Speaker 3: became a month, then one beginning of year, and now 299 00:12:11,280 --> 00:12:13,560 Speaker 3: it's been I want to say, almost ten years. 300 00:12:14,080 --> 00:12:14,760 Speaker 4: I live with his family. 301 00:12:14,880 --> 00:12:16,800 Speaker 3: Even when I go to Christmas break, i'd go back 302 00:12:16,800 --> 00:12:18,920 Speaker 3: and stay with them for Thanksgiving, and they're they're my 303 00:12:18,960 --> 00:12:20,400 Speaker 3: blood as much as my mom, and I love my 304 00:12:20,400 --> 00:12:22,280 Speaker 3: mom and death and like we have a really good relationship, 305 00:12:22,320 --> 00:12:24,240 Speaker 3: like we're gonna kill it, like we're gonna be in 306 00:12:24,280 --> 00:12:26,680 Speaker 3: the top percent soon. So it's like I still have 307 00:12:26,760 --> 00:12:28,679 Speaker 3: all my love for my mom, and everybody helped me out, 308 00:12:28,760 --> 00:12:30,679 Speaker 3: and then that family is like another branch that was 309 00:12:30,720 --> 00:12:32,679 Speaker 3: supporting me, and that's like, I'm very beneficial. I'm very 310 00:12:32,679 --> 00:12:34,480 Speaker 3: blessed because some people don't have that. Like I was 311 00:12:34,840 --> 00:12:38,560 Speaker 3: basic unformally adopted and just they saved my life. 312 00:12:38,840 --> 00:12:41,439 Speaker 1: And kay, did you learn a lot in that relationship. 313 00:12:41,520 --> 00:12:43,920 Speaker 3: I did, because it's funny because I grew up as 314 00:12:43,960 --> 00:12:46,240 Speaker 3: a single family or like a single family kid. So 315 00:12:46,280 --> 00:12:48,520 Speaker 3: it's like I was the only child, just me and 316 00:12:48,520 --> 00:12:51,800 Speaker 3: my mom through everything, And I said, differ table is 317 00:12:51,840 --> 00:12:53,080 Speaker 3: just me and her just talking about. 318 00:12:52,920 --> 00:12:55,360 Speaker 4: Like okay, you know, it's just me and make it out. 319 00:12:55,400 --> 00:12:58,160 Speaker 3: And then when I go there, I have a little 320 00:12:58,160 --> 00:13:00,240 Speaker 3: sister and the older brothers and a big fan family 321 00:13:00,280 --> 00:13:03,120 Speaker 3: and cousins and uncles and goofy uncles and it's like 322 00:13:03,160 --> 00:13:04,880 Speaker 3: cool because wow, like this is so cool. Like I 323 00:13:04,920 --> 00:13:07,280 Speaker 3: was usually playing video games with two controllers. I'd play 324 00:13:07,440 --> 00:13:10,360 Speaker 3: both of them right, And then now it's like we 325 00:13:10,440 --> 00:13:12,520 Speaker 3: fight over Katon and like who's gonna like trade this? 326 00:13:12,600 --> 00:13:14,720 Speaker 3: And it's like the funniest experience is I get the best. 327 00:13:14,559 --> 00:13:15,040 Speaker 4: Of all for us. 328 00:13:15,080 --> 00:13:17,400 Speaker 3: I'm like, oh my god, this is amazing. Like generally, 329 00:13:17,480 --> 00:13:19,560 Speaker 3: I guess like love for a family I'm definitely grown 330 00:13:19,640 --> 00:13:19,840 Speaker 3: to have. 331 00:13:20,080 --> 00:13:20,719 Speaker 1: That's super cool. 332 00:13:20,720 --> 00:13:22,880 Speaker 2: I want to dial in on the scholarship thing for 333 00:13:22,920 --> 00:13:25,280 Speaker 2: a second. Yeah, so you obviously worked your butt off 334 00:13:25,280 --> 00:13:28,520 Speaker 2: in high school, and I wonder, well, I'm curious, was 335 00:13:28,520 --> 00:13:31,280 Speaker 2: that something that you knew you needed to do, like 336 00:13:31,320 --> 00:13:32,880 Speaker 2: you just had to do it because there was no 337 00:13:32,960 --> 00:13:35,440 Speaker 2: other way to get out of where you were. And 338 00:13:35,600 --> 00:13:37,960 Speaker 2: then secondly, when it came to scholarships, like the Coke 339 00:13:38,000 --> 00:13:40,120 Speaker 2: scholarship that you mentioned was huge, Like that was like 340 00:13:40,240 --> 00:13:44,439 Speaker 2: just as massive payouts. Absolutely not all, not all scholarships 341 00:13:44,480 --> 00:13:47,439 Speaker 2: provide that much money, But you applied for a bunch 342 00:13:47,440 --> 00:13:49,840 Speaker 2: of other scholarships and received other scholarships. 343 00:13:50,000 --> 00:13:52,000 Speaker 1: Yeah too, How impactful was that? 344 00:13:52,120 --> 00:13:54,440 Speaker 4: Absolutely? I guess I going too high school. 345 00:13:54,440 --> 00:13:57,679 Speaker 3: First, we had this one speaker come in and it 346 00:13:57,720 --> 00:13:59,280 Speaker 3: was fantastic because no one really goes back to your 347 00:13:59,360 --> 00:14:03,080 Speaker 3: high school and preaches like just that kind of world 348 00:14:03,120 --> 00:14:05,680 Speaker 3: to you because I'm just I was involved in like, 349 00:14:05,679 --> 00:14:08,679 Speaker 3: oh high school practice, like girls in the lockerway, Like 350 00:14:08,760 --> 00:14:10,760 Speaker 3: it's kind of that stuff. It's like not really like Okay, 351 00:14:10,760 --> 00:14:12,480 Speaker 3: what's gonna do your senior year? What's gonna do? Like 352 00:14:12,480 --> 00:14:14,160 Speaker 3: what's your ATEC score? Or like what's what do you 353 00:14:14,200 --> 00:14:15,840 Speaker 3: can do to apply for scholarships? Like we had like 354 00:14:16,320 --> 00:14:18,679 Speaker 3: a council like members or like that would come up 355 00:14:18,679 --> 00:14:20,400 Speaker 3: and like, oh, you should probably apply for college because 356 00:14:20,440 --> 00:14:23,120 Speaker 3: you're you're senior year, or you can go into the workforce, 357 00:14:23,640 --> 00:14:25,400 Speaker 3: Like almost eighty percent of my high school went into 358 00:14:25,440 --> 00:14:28,320 Speaker 3: the workforce. Like I was the only guy in my 359 00:14:28,440 --> 00:14:31,440 Speaker 3: grade to go to BAMA. A bunch of my friends 360 00:14:31,440 --> 00:14:33,600 Speaker 3: with like other schools, just like a very very low 361 00:14:33,640 --> 00:14:35,240 Speaker 3: population of us even like went to college. 362 00:14:35,360 --> 00:14:37,560 Speaker 1: So was it like a guidance counselor at the school 363 00:14:37,560 --> 00:14:39,480 Speaker 1: that kind of helped guide you through that process? 364 00:14:39,520 --> 00:14:41,520 Speaker 3: Then and again, it's like when you're at like a 365 00:14:41,560 --> 00:14:43,880 Speaker 3: small school and you have like two hundred students and 366 00:14:43,920 --> 00:14:46,080 Speaker 3: you have one guidance counselor how how can they afford 367 00:14:46,160 --> 00:14:48,240 Speaker 3: to do that? Like just spread soil thin already and 368 00:14:48,280 --> 00:14:50,640 Speaker 3: they it's it's my high school was twelfth through seventh grade. 369 00:14:51,080 --> 00:14:52,720 Speaker 3: I can imagine how much like she had to deal 370 00:14:52,760 --> 00:14:54,800 Speaker 3: with and then have like how to provide for a 371 00:14:54,880 --> 00:14:56,720 Speaker 3: kid's future as well as so much stress on her. 372 00:14:56,800 --> 00:14:59,000 Speaker 3: So like there's no like bad blood like that, just 373 00:14:59,600 --> 00:15:02,400 Speaker 3: you's got as in the system, you know. So like 374 00:15:02,440 --> 00:15:04,920 Speaker 3: for me, it was like I had to set a diary. 375 00:15:05,000 --> 00:15:06,360 Speaker 3: So this guy when he came in, he's like you 376 00:15:06,400 --> 00:15:08,520 Speaker 3: need to write down everything you do. You go to 377 00:15:08,600 --> 00:15:11,160 Speaker 3: Kawana's Club and like flip pancakes and like give it 378 00:15:11,200 --> 00:15:12,880 Speaker 3: to the society. You go to the Free Breeze of 379 00:15:12,880 --> 00:15:14,400 Speaker 3: the Rice of the Church and like you donate and 380 00:15:14,400 --> 00:15:16,040 Speaker 3: you help. You spend your time like document everything and 381 00:15:16,040 --> 00:15:18,400 Speaker 3: go to animals the animal shelter, right and you walk 382 00:15:18,440 --> 00:15:20,400 Speaker 3: some dogs or you just help clean the pans. Like 383 00:15:20,440 --> 00:15:22,920 Speaker 3: those people are giving their time for free and not 384 00:15:22,960 --> 00:15:24,960 Speaker 3: getting paid, and they're like providing a service for all 385 00:15:25,120 --> 00:15:27,000 Speaker 3: like the dogs and the animals that need homes. And 386 00:15:27,040 --> 00:15:28,680 Speaker 3: so you go there and help them out, Like that's amazing. 387 00:15:28,920 --> 00:15:31,680 Speaker 3: But then he was like, I'll write that down because 388 00:15:31,720 --> 00:15:33,600 Speaker 3: that makes you different. And we had no idea. We're 389 00:15:33,640 --> 00:15:35,480 Speaker 3: just doing it because like we enjoyed going to the 390 00:15:35,520 --> 00:15:37,640 Speaker 3: church and helping. We enjoyed going and help walking dogs, 391 00:15:37,640 --> 00:15:39,560 Speaker 3: and we enjoyed going to Kawanas Club and hanging with 392 00:15:39,560 --> 00:15:42,080 Speaker 3: the senior citizens and like putting quotes and like playing 393 00:15:42,160 --> 00:15:45,680 Speaker 3: chess getting beaten chess. And he's like, no, like that 394 00:15:45,760 --> 00:15:47,440 Speaker 3: sets you different, like no one else would do that. 395 00:15:47,480 --> 00:15:49,440 Speaker 3: I was like why not. It was like you just 396 00:15:49,440 --> 00:15:51,080 Speaker 3: have a good heart. And me and my group the friends, 397 00:15:51,120 --> 00:15:53,280 Speaker 3: I would always do that, like yeah, we should. And 398 00:15:53,360 --> 00:15:55,720 Speaker 3: when it came to scolsire time we sent that piece 399 00:15:55,720 --> 00:15:57,320 Speaker 3: of paper like I think I emailed you my high 400 00:15:57,320 --> 00:15:59,320 Speaker 3: school resume, it was really it was like long and 401 00:15:59,360 --> 00:16:01,640 Speaker 3: I just wrote every thing down and like we're the 402 00:16:01,680 --> 00:16:04,960 Speaker 3: ones that I got these scholarship is just these collegies, 403 00:16:04,960 --> 00:16:07,240 Speaker 3: like everybody's making like three six on act scores or 404 00:16:07,240 --> 00:16:09,080 Speaker 3: like everybody has like four point oh GP in high school. 405 00:16:09,080 --> 00:16:12,480 Speaker 3: Everybody's like involved in extracurricular activities. But what's going to 406 00:16:12,560 --> 00:16:15,280 Speaker 3: set you apart? Like so you writing a two page 407 00:16:15,360 --> 00:16:16,880 Speaker 3: essay then sitting in that they're not going to read, 408 00:16:16,960 --> 00:16:20,240 Speaker 3: or you having like these like amazing volunteer hours. That's 409 00:16:20,240 --> 00:16:21,960 Speaker 3: like we're like, wow, like you had this, this and 410 00:16:22,000 --> 00:16:23,720 Speaker 3: this and this, but also you did this too, like 411 00:16:23,760 --> 00:16:26,080 Speaker 3: for the community, for people that you enjoyed to being around, 412 00:16:26,080 --> 00:16:27,880 Speaker 3: for the people that were suffering, you help them out. 413 00:16:28,160 --> 00:16:30,280 Speaker 4: That's where I wanted my college. I can teach anybody. 414 00:16:30,520 --> 00:16:33,720 Speaker 3: I can teach anybody like math or or any of 415 00:16:33,760 --> 00:16:37,520 Speaker 3: those like subjects for college, but your personality, you're like ethics, 416 00:16:37,560 --> 00:16:40,560 Speaker 3: you're like your individual soul that's unteachable, like you're born 417 00:16:40,640 --> 00:16:40,840 Speaker 3: with that. 418 00:16:41,240 --> 00:16:42,440 Speaker 4: Yeah, and I think that's. 419 00:16:42,320 --> 00:16:44,840 Speaker 3: What made like me and my friends different to be 420 00:16:44,880 --> 00:16:46,720 Speaker 3: able to get applied for the scholarships and actually like 421 00:16:46,800 --> 00:16:47,720 Speaker 3: get approved too. 422 00:16:48,120 --> 00:16:50,000 Speaker 1: Sure. Yeah, so you were doing a lot of that 423 00:16:50,000 --> 00:16:51,520 Speaker 1: out of the goodness of your heart, but then you 424 00:16:51,560 --> 00:16:54,080 Speaker 1: realize that by documenting that that was going to obviously 425 00:16:54,160 --> 00:16:56,880 Speaker 1: set you apart when it came to school. But now 426 00:16:57,200 --> 00:16:59,720 Speaker 1: the ability to kind of transform some of those pursuits 427 00:16:59,720 --> 00:17:03,040 Speaker 1: and the things that you were doing into generating generating income, 428 00:17:03,320 --> 00:17:04,879 Speaker 1: that's what we're going to actually talk about next. So 429 00:17:04,920 --> 00:17:07,119 Speaker 1: we'll get to that and more, right after the break. 430 00:17:14,760 --> 00:17:17,560 Speaker 2: All right, we're back, still talking with a friend of 431 00:17:17,560 --> 00:17:21,359 Speaker 2: the show, Nick Yang. Were been listening since those early 432 00:17:21,400 --> 00:17:24,760 Speaker 2: college days, Nick, and man, so fun to have you along. 433 00:17:24,800 --> 00:17:29,480 Speaker 2: Interestingly enough, one podcast episode that you listened to had 434 00:17:29,520 --> 00:17:32,600 Speaker 2: a really big impact while you were in school about 435 00:17:32,640 --> 00:17:36,240 Speaker 2: house hacking. And most people would say buying a house 436 00:17:36,320 --> 00:17:40,119 Speaker 2: while I'm in college impossible. But even given all the 437 00:17:40,119 --> 00:17:42,800 Speaker 2: things that we've heard so far, the difficulties that you've experienced, 438 00:17:42,920 --> 00:17:45,040 Speaker 2: you still managed to buy a house while you were 439 00:17:45,080 --> 00:17:46,560 Speaker 2: in college. Yeah, Yeah, I did. 440 00:17:46,640 --> 00:17:50,560 Speaker 3: Yeah, Okay, don't remember what number episode it was, but 441 00:17:50,680 --> 00:17:54,080 Speaker 3: I remember you saying the best intro to real estate 442 00:17:54,800 --> 00:17:57,760 Speaker 3: is house hacking. And so I brought up on myself. 443 00:17:58,080 --> 00:18:01,080 Speaker 3: When I was an undergrad, I worked as a bartender. 444 00:18:01,480 --> 00:18:06,159 Speaker 3: I worked as an event menu like I guess like 445 00:18:07,080 --> 00:18:09,080 Speaker 3: consulting where people came to me, I like build their 446 00:18:09,119 --> 00:18:11,280 Speaker 3: menus for like their bars. So I'd build like drink 447 00:18:11,320 --> 00:18:13,160 Speaker 3: menus or they have like Christmas menus. I'd help them 448 00:18:13,160 --> 00:18:14,280 Speaker 3: like just craft their cocktails. 449 00:18:14,400 --> 00:18:18,359 Speaker 1: Like the drink program. Yeah, the drink drink which maybe 450 00:18:18,359 --> 00:18:20,600 Speaker 1: we'll get to this towards the end of the episode Entrepreneurship. 451 00:18:20,640 --> 00:18:22,280 Speaker 1: It kind of leads to almost what you're doing now, 452 00:18:22,359 --> 00:18:23,840 Speaker 1: but yeah, please continue. 453 00:18:23,960 --> 00:18:25,880 Speaker 3: And so I just saved up a lot of money 454 00:18:25,880 --> 00:18:26,919 Speaker 3: because I was like, I really want to go to 455 00:18:26,920 --> 00:18:31,440 Speaker 3: grad school. My family friend he got his MBA and 456 00:18:31,640 --> 00:18:33,399 Speaker 3: he was like, you know, once you leave school, are 457 00:18:33,400 --> 00:18:34,480 Speaker 3: you really gonna go back and do it? Are you 458 00:18:34,480 --> 00:18:36,560 Speaker 3: really going back and do it? I was like, I've 459 00:18:36,600 --> 00:18:38,399 Speaker 3: had a lot of people are like, oh wait, dune school. 460 00:18:38,440 --> 00:18:41,000 Speaker 3: Just stay in school, get it done. When I was 461 00:18:41,040 --> 00:18:43,280 Speaker 3: at BAMA, I had a four point o GPA graduate 462 00:18:43,280 --> 00:18:45,639 Speaker 3: the red cap, and that was my first mission. I 463 00:18:45,640 --> 00:18:47,919 Speaker 3: was in undergrad. When I freshman year, I told my mom, 464 00:18:47,960 --> 00:18:49,280 Speaker 3: I was like, I want I want to get that 465 00:18:49,320 --> 00:18:51,560 Speaker 3: red cap because I toured and I saw people red caps, 466 00:18:51,560 --> 00:18:52,119 Speaker 3: So what does that mean? 467 00:18:52,320 --> 00:18:54,360 Speaker 4: Oh, it's a four point o GPA all four years. 468 00:18:54,720 --> 00:18:56,040 Speaker 4: I was like, my mom, gonna do that. And when 469 00:18:56,040 --> 00:18:57,400 Speaker 4: I got it, I broke down. I was like, oh 470 00:18:57,400 --> 00:18:58,960 Speaker 4: my god, yeah, I got it. 471 00:18:59,040 --> 00:19:01,480 Speaker 3: So I save a lot of money. And actually, through 472 00:19:01,480 --> 00:19:03,720 Speaker 3: the University of Alabama, if you have a four point 473 00:19:03,720 --> 00:19:06,560 Speaker 3: o GPA, you can go straight to get your MBA 474 00:19:06,680 --> 00:19:10,040 Speaker 3: without taking the gre N And so I was like, 475 00:19:10,080 --> 00:19:12,320 Speaker 3: oh my gosh, this is brilliant. And when I applied 476 00:19:12,880 --> 00:19:15,760 Speaker 3: with my scholarship money and then with my GPA, I 477 00:19:15,800 --> 00:19:18,080 Speaker 3: actually got a scholarship for the first year from my 478 00:19:18,160 --> 00:19:21,280 Speaker 3: MBA program. And I had all this money I saved 479 00:19:21,320 --> 00:19:22,959 Speaker 3: up for working because that was my plan to pay 480 00:19:23,000 --> 00:19:25,600 Speaker 3: for because I just don't really trust if I was 481 00:19:25,640 --> 00:19:27,200 Speaker 3: going to get one, you know, just like I got 482 00:19:27,200 --> 00:19:29,640 Speaker 3: to control the controllables, right, and so I can control 483 00:19:29,920 --> 00:19:31,879 Speaker 3: how I saved my money for this next chapter of 484 00:19:31,880 --> 00:19:34,000 Speaker 3: my life. And when that happened, I was like, well, great, 485 00:19:34,040 --> 00:19:35,560 Speaker 3: I had this lumps of money. What can I do. 486 00:19:35,640 --> 00:19:38,240 Speaker 4: I was like, let's let's get a house. Let's house tackle. 487 00:19:38,280 --> 00:19:39,679 Speaker 4: How do I even do that? What do I even do? 488 00:19:39,720 --> 00:19:42,720 Speaker 3: I just listen to podcasts, learned and didn't really get 489 00:19:42,720 --> 00:19:44,560 Speaker 3: into stuck into like the data analytics or like the 490 00:19:44,600 --> 00:19:46,879 Speaker 3: analysis paralysis. Like I know, like people preached that, like 491 00:19:46,880 --> 00:19:48,399 Speaker 3: don't get stuck into it, don't get sucking to just 492 00:19:48,400 --> 00:19:50,600 Speaker 3: like practice and practice and practice. So for like thirty days, 493 00:19:50,600 --> 00:19:53,359 Speaker 3: I did a deal O day, did the numbers. I 494 00:19:53,400 --> 00:19:56,040 Speaker 3: looked around just driving for dollars, kicking tires with a 495 00:19:56,080 --> 00:19:58,760 Speaker 3: couple of my professors that they were like really big 496 00:19:58,800 --> 00:20:01,760 Speaker 3: into the real estate world, and they like showed me 497 00:20:01,800 --> 00:20:03,399 Speaker 3: a little bit, and so I could go on my 498 00:20:03,440 --> 00:20:04,919 Speaker 3: own and I just walk the streets. I mean I 499 00:20:04,920 --> 00:20:06,560 Speaker 3: lived in that town for four years going to college. 500 00:20:06,560 --> 00:20:08,840 Speaker 3: I know what streets. Yeah, Like I know the market. 501 00:20:08,840 --> 00:20:09,840 Speaker 3: That's like my home market. 502 00:20:09,840 --> 00:20:10,040 Speaker 4: Now. 503 00:20:10,400 --> 00:20:13,680 Speaker 3: I saw this house and I knew they were on sale. 504 00:20:14,320 --> 00:20:18,359 Speaker 3: He was for sale by owner for a year. I 505 00:20:18,400 --> 00:20:21,480 Speaker 3: looked up on Zillow, redfin drove by. I was like, 506 00:20:21,520 --> 00:20:23,080 Speaker 3: what's wrong with this house? Like what's going on? Like 507 00:20:23,119 --> 00:20:24,639 Speaker 3: no one's no one's speaking this up like this a 508 00:20:24,680 --> 00:20:27,560 Speaker 3: great deal. I figured out that the bottom level of 509 00:20:27,560 --> 00:20:30,040 Speaker 3: the house was never listed, was never appraised, It was 510 00:20:30,040 --> 00:20:32,639 Speaker 3: never a square footed and never calculated, and they had 511 00:20:32,640 --> 00:20:34,639 Speaker 3: a whole entire section of downstairs. I was like, so 512 00:20:34,680 --> 00:20:36,800 Speaker 3: they thought it was a three bed, three bath. 513 00:20:36,600 --> 00:20:38,560 Speaker 2: Little mathematical anomaly there. 514 00:20:38,359 --> 00:20:41,440 Speaker 3: And technically it was a five bedroom, four bath man. 515 00:20:41,560 --> 00:20:44,000 Speaker 3: And I was like, oh my god, this is crazy, 516 00:20:44,080 --> 00:20:46,000 Speaker 3: Like I could live here, like I don't have a 517 00:20:46,000 --> 00:20:48,240 Speaker 3: car payment, I don't have the house payment because I 518 00:20:48,240 --> 00:20:51,240 Speaker 3: can get four of my buddies go in there, and yeah, so. 519 00:20:51,480 --> 00:20:53,120 Speaker 1: What bedroom did you take? Did you take the lower levels? 520 00:20:56,160 --> 00:20:57,720 Speaker 1: Was it finished out a little more sketchly? 521 00:20:58,359 --> 00:20:58,639 Speaker 3: It was. 522 00:20:59,240 --> 00:20:59,800 Speaker 1: It was boozy. 523 00:20:59,800 --> 00:21:02,320 Speaker 3: For my I was like, yeah, four walls that aren't 524 00:21:02,359 --> 00:21:03,399 Speaker 3: like sagging, this is amazing. 525 00:21:03,600 --> 00:21:05,800 Speaker 1: I thought maybe it wasn't listed because it had been 526 00:21:06,560 --> 00:21:09,680 Speaker 1: added and renovated in a very haphazard kind of way, 527 00:21:10,040 --> 00:21:13,160 Speaker 1: and maybe you know, you got the entrepreneurial sort of mindset. 528 00:21:13,320 --> 00:21:15,800 Speaker 1: I'll take the crappy kind of spot list the other 529 00:21:15,880 --> 00:21:18,800 Speaker 1: rooms upstairs for a lot more. But it sounds like 530 00:21:18,840 --> 00:21:20,560 Speaker 1: that's kind of what you did, regardless of the state that. 531 00:21:20,560 --> 00:21:22,200 Speaker 4: It is detached from the house. 532 00:21:22,280 --> 00:21:25,600 Speaker 3: All the four units and the three bathrooms are up 533 00:21:25,600 --> 00:21:28,520 Speaker 3: top beautiful, and I was like, cool, I'll open the 534 00:21:28,560 --> 00:21:30,520 Speaker 3: door and walk inside to cook my food every single day. 535 00:21:30,520 --> 00:21:31,679 Speaker 4: I don't care. So I did take the one. 536 00:21:31,720 --> 00:21:34,080 Speaker 3: I was like outside, but it was I mean, it 537 00:21:34,119 --> 00:21:37,879 Speaker 3: was perfect, like it's it's cash cow. My my roommates 538 00:21:37,920 --> 00:21:39,960 Speaker 3: like didn't mind because again, like bringing it back to 539 00:21:40,560 --> 00:21:43,679 Speaker 3: when I went to Bama, my twish in the dorms 540 00:21:43,760 --> 00:21:45,400 Speaker 3: was like eight thousand dollars a semester. 541 00:21:45,480 --> 00:21:46,880 Speaker 4: It was on Godly And. 542 00:21:46,840 --> 00:21:49,480 Speaker 2: So you're turning something that's an expense into income. 543 00:21:49,640 --> 00:21:51,000 Speaker 1: Yeah, and you used. 544 00:21:50,680 --> 00:21:53,480 Speaker 2: What additional scholarship money money from bartending all these side 545 00:21:53,560 --> 00:21:56,240 Speaker 2: hustles to basically save up that little nest egg, Like 546 00:21:56,280 --> 00:21:58,520 Speaker 2: you worked your butt off to get that down payment, 547 00:21:59,119 --> 00:22:01,560 Speaker 2: and when we're house hacking, I'm curious how much did 548 00:22:01,600 --> 00:22:03,320 Speaker 2: you put down? You still own this house too. 549 00:22:03,240 --> 00:22:04,040 Speaker 4: Right, I do, Yeah, I do. 550 00:22:04,280 --> 00:22:08,080 Speaker 3: So my biggest trouble was actually getting approved from the loan. 551 00:22:08,840 --> 00:22:11,320 Speaker 3: I found the deal. I had the money for the 552 00:22:11,359 --> 00:22:14,680 Speaker 3: down payment, I had the agent already worked with them, 553 00:22:14,840 --> 00:22:16,480 Speaker 3: already did the underwriting. I knew it was being a 554 00:22:16,520 --> 00:22:18,920 Speaker 3: good deal, and so I went to my foster dad 555 00:22:18,920 --> 00:22:21,560 Speaker 3: and I was say, hey, like, this is it, Like 556 00:22:21,600 --> 00:22:24,159 Speaker 3: this is this is a unicorn, like we have to 557 00:22:24,200 --> 00:22:26,879 Speaker 3: do this, and he's like, why don't we know, Like 558 00:22:26,920 --> 00:22:29,320 Speaker 3: he's never done anything like a house before, like real 559 00:22:29,400 --> 00:22:30,960 Speaker 3: estate or investing, and I was like listen, I was like, 560 00:22:31,000 --> 00:22:32,879 Speaker 3: I'll manage it. I'll be the private manager, I'll get 561 00:22:32,880 --> 00:22:35,119 Speaker 3: the leases, I'll learn, like, I'll do everything. All you 562 00:22:35,119 --> 00:22:36,440 Speaker 3: need to do is just sign this piece of paper 563 00:22:36,480 --> 00:22:39,560 Speaker 3: and you will. Let's do like fifty fitty like on 564 00:22:39,680 --> 00:22:42,320 Speaker 3: cash and catch return. And so when he signed the dollar, 565 00:22:42,400 --> 00:22:46,240 Speaker 3: he made five hundred dollars each month until now, and 566 00:22:46,280 --> 00:22:48,320 Speaker 3: he hasn't seen he hasn't done anything I repainted the 567 00:22:48,320 --> 00:22:51,280 Speaker 3: whole house. I built a deck, I redid the flooring, 568 00:22:51,560 --> 00:22:54,440 Speaker 3: I did the carpeting. I like literally built the house 569 00:22:54,480 --> 00:22:56,400 Speaker 3: for like entire year while I was in college. And 570 00:22:57,240 --> 00:22:58,080 Speaker 3: it's it's beautiful. 571 00:22:58,200 --> 00:22:58,679 Speaker 4: That's awesome. 572 00:22:58,760 --> 00:23:02,200 Speaker 3: Yeah, and so it's doing really well. I paid as 573 00:23:02,200 --> 00:23:04,400 Speaker 3: a five percent so I used a five percent conventional 574 00:23:04,480 --> 00:23:06,800 Speaker 3: loan or a first home. Yeah, and as a five 575 00:23:06,840 --> 00:23:11,240 Speaker 3: percent down payment. It was two hundred and twenty asking 576 00:23:11,400 --> 00:23:14,520 Speaker 3: I got it down to two ten. And when I 577 00:23:14,560 --> 00:23:17,159 Speaker 3: got it the first day, I praised for like two thirty, 578 00:23:17,240 --> 00:23:19,560 Speaker 3: so I already had equity in the business or in 579 00:23:19,600 --> 00:23:24,760 Speaker 3: the property mortgages a thousand and when I got it, 580 00:23:24,840 --> 00:23:27,160 Speaker 3: my whole ordeal was like when I struggled to even 581 00:23:27,160 --> 00:23:29,840 Speaker 3: get a place my sophomore year of college, Like the 582 00:23:29,920 --> 00:23:32,600 Speaker 3: rent was seven hundred dollars for a small small shoe 583 00:23:32,600 --> 00:23:34,560 Speaker 3: box and tescalussa. I was like, there's no way people 584 00:23:34,560 --> 00:23:36,720 Speaker 3: can afford that. So when I got this house, I 585 00:23:36,880 --> 00:23:40,119 Speaker 3: actually like the low market rents because it's kids in 586 00:23:40,160 --> 00:23:42,440 Speaker 3: my fraternity, like my brothers, and I'm like, listen, I 587 00:23:42,480 --> 00:23:44,080 Speaker 3: was like, I'm trying to help out. I'm not trying 588 00:23:44,080 --> 00:23:45,440 Speaker 3: to make any money from this I'm trying to like 589 00:23:45,600 --> 00:23:47,639 Speaker 3: want to give some place to live, but also it's affordable. 590 00:23:47,760 --> 00:23:49,480 Speaker 3: So it's like two hundred dollars below market rate every 591 00:23:49,480 --> 00:23:52,400 Speaker 3: single bedroom, like I could easily be like it. Also 592 00:23:52,440 --> 00:23:55,480 Speaker 3: I pay for utilities too, and that's like incredible. Yeah, 593 00:23:55,800 --> 00:23:57,280 Speaker 3: because again, like I'm trying to go. 594 00:23:57,359 --> 00:23:59,680 Speaker 1: There taking those hot long hot showers. 595 00:24:00,920 --> 00:24:03,240 Speaker 3: Like it's like some people could be like, oh, you're done, 596 00:24:03,280 --> 00:24:04,920 Speaker 3: you could get an extra thousand dollars a month, is 597 00:24:04,960 --> 00:24:06,480 Speaker 3: like what I didn't do that for that reason, Like 598 00:24:06,520 --> 00:24:09,160 Speaker 3: it's an asset, Like that's that the house is worth 599 00:24:09,440 --> 00:24:11,720 Speaker 3: right now, it's worth about like two ninety or three 600 00:24:11,920 --> 00:24:14,480 Speaker 3: or two ninety five, So then like equity is there. 601 00:24:14,520 --> 00:24:16,199 Speaker 3: But I'm trying to make it a path like for 602 00:24:16,240 --> 00:24:18,879 Speaker 3: other people in fraternity, other people in Tuscalusa, to like 603 00:24:19,760 --> 00:24:21,960 Speaker 3: have that stress off their shoulders, right, Like Okay, I 604 00:24:21,960 --> 00:24:24,000 Speaker 3: got to worry about school out, worry about surviving, like 605 00:24:24,000 --> 00:24:26,040 Speaker 3: like finding myself like all this day and age, Like 606 00:24:26,200 --> 00:24:28,119 Speaker 3: what's one ding I can take away from? Well, I 607 00:24:28,119 --> 00:24:31,919 Speaker 3: can take away that this added like expense and still 608 00:24:31,920 --> 00:24:34,199 Speaker 3: make a beautiful income properly. 609 00:24:34,280 --> 00:24:35,280 Speaker 4: Yeah, Like it's it's amazing. 610 00:24:35,320 --> 00:24:37,879 Speaker 1: Well, I mean that's a lot of times capitalism gets 611 00:24:38,119 --> 00:24:41,320 Speaker 1: gets criticized if you take the improper mindset, it's like, well, 612 00:24:41,320 --> 00:24:43,600 Speaker 1: you're taking advantage. It's like, oh, they could be they 613 00:24:43,600 --> 00:24:45,400 Speaker 1: could be paying much, you know, a whole lot less. 614 00:24:45,440 --> 00:24:48,200 Speaker 1: But I mean that's what's so beautiful about the open market. Like, yeah, 615 00:24:48,200 --> 00:24:50,479 Speaker 1: it's like market this is this is a situation with 616 00:24:50,520 --> 00:24:52,560 Speaker 1: the free market where you can say, all right, this 617 00:24:52,640 --> 00:24:54,159 Speaker 1: is I'm willing to list it for this much and 618 00:24:54,240 --> 00:24:56,320 Speaker 1: make this much money, and then you got guys that 619 00:24:56,359 --> 00:24:58,560 Speaker 1: are like, oh, I would gladly pay that, and so 620 00:24:58,680 --> 00:25:02,000 Speaker 1: they're winning. You're winning even being landlord. 621 00:25:02,119 --> 00:25:04,720 Speaker 2: You can still I mean how much. Yeah, you've made 622 00:25:04,760 --> 00:25:08,120 Speaker 2: eighty plus grand just owning this home while they help 623 00:25:08,160 --> 00:25:08,760 Speaker 2: pay the mortgage. 624 00:25:08,840 --> 00:25:09,840 Speaker 4: Yeah. Absolutely, yeah. 625 00:25:09,880 --> 00:25:12,880 Speaker 3: And it's like like you were saying, I could put 626 00:25:12,880 --> 00:25:15,040 Speaker 3: the remps and hundred bucks of room, but I'm listed 627 00:25:15,119 --> 00:25:17,639 Speaker 3: to twenty twenty eight nice, and I don't have this 628 00:25:17,680 --> 00:25:21,160 Speaker 3: sting of fingers. I would rather be one hundred dollars less, 629 00:25:21,160 --> 00:25:25,639 Speaker 3: adore and make somebody's day and they can sign for 630 00:25:25,800 --> 00:25:27,920 Speaker 3: years and now I don't have to worry about finding tenants, 631 00:25:27,960 --> 00:25:30,440 Speaker 3: screening tenants, like doing all this like ready apps or 632 00:25:30,480 --> 00:25:32,200 Speaker 3: like finding a propery manager where I can do everything. 633 00:25:32,520 --> 00:25:34,440 Speaker 3: They're connected to me. I know them, I see them 634 00:25:34,680 --> 00:25:37,280 Speaker 3: if I go down to Tusco's and visit like their 635 00:25:37,320 --> 00:25:38,720 Speaker 3: family almost And that's that's really. 636 00:25:38,640 --> 00:25:40,520 Speaker 1: Cool minimizing that vacancy too. 637 00:25:40,640 --> 00:25:40,880 Speaker 4: Yeah. 638 00:25:40,880 --> 00:25:44,920 Speaker 1: Absolutely, So you saved up the money to put down 639 00:25:45,560 --> 00:25:48,080 Speaker 1: on that house while you were in school while and 640 00:25:48,400 --> 00:25:50,640 Speaker 1: you know you didn't gloss over this, but you got 641 00:25:50,640 --> 00:25:52,680 Speaker 1: the red cat that four point zero aw four years. 642 00:25:53,040 --> 00:25:55,359 Speaker 1: Like what do you say to folks who are saying, well, 643 00:25:55,720 --> 00:25:57,399 Speaker 1: like you know, the kids, they need to be focused 644 00:25:57,440 --> 00:25:59,960 Speaker 1: on their studies. Makes that way they can get the 645 00:26:00,480 --> 00:26:03,080 Speaker 1: very top GPA so that they can pursue some of 646 00:26:03,119 --> 00:26:05,600 Speaker 1: the different extra cur curriculars, you know, the kind of 647 00:26:05,600 --> 00:26:09,959 Speaker 1: things that might flesh out a college career. And a 648 00:26:10,000 --> 00:26:12,080 Speaker 1: lot of times what they'll do is they continue to 649 00:26:12,080 --> 00:26:15,280 Speaker 1: borrow money as opposed to earning money. But you were 650 00:26:15,280 --> 00:26:17,520 Speaker 1: doing both, Like, what do you think about that? Obviously, 651 00:26:17,920 --> 00:26:20,880 Speaker 1: I know what you think. That's a great question. It's possible. 652 00:26:21,119 --> 00:26:22,600 Speaker 1: You know, what you were saying is that it's possible 653 00:26:22,640 --> 00:26:24,959 Speaker 1: to do both. But yeah, I would love to hear 654 00:26:25,000 --> 00:26:25,600 Speaker 1: you talk about that. 655 00:26:26,400 --> 00:26:28,280 Speaker 3: I think that's a great question because it's something that 656 00:26:28,400 --> 00:26:30,480 Speaker 3: I definitely to struggle with in college because I wore 657 00:26:30,520 --> 00:26:31,880 Speaker 3: so many hats where I was like, well, who would 658 00:26:31,920 --> 00:26:32,480 Speaker 3: have to be today? 659 00:26:33,000 --> 00:26:33,240 Speaker 4: Right? 660 00:26:33,240 --> 00:26:35,919 Speaker 3: Like am I going to this internship where I have 661 00:26:35,960 --> 00:26:37,679 Speaker 3: to be at there at five in the morning to 662 00:26:37,760 --> 00:26:39,480 Speaker 3: go to the football program and do that? Or do 663 00:26:39,560 --> 00:26:41,679 Speaker 3: I have to go to my bartaining ship doesn't end 664 00:26:41,680 --> 00:26:44,920 Speaker 3: till at three am and I'm walking home pitch black dark, 665 00:26:45,560 --> 00:26:48,840 Speaker 3: dodging all the goofies. It's like or like okay, cool, 666 00:26:50,960 --> 00:26:52,919 Speaker 3: Or I have this like like organic comtest and I 667 00:26:52,920 --> 00:26:55,720 Speaker 3: need to study four and it's like I need to 668 00:26:55,760 --> 00:26:57,359 Speaker 3: be that person at the right time. 669 00:26:57,560 --> 00:26:58,840 Speaker 4: It's just basically his time management. 670 00:26:58,960 --> 00:27:00,320 Speaker 3: And if you can do that, I mean gosh, Like 671 00:27:00,400 --> 00:27:02,280 Speaker 3: I was had an internship, I had a job, I 672 00:27:02,600 --> 00:27:05,439 Speaker 3: was on the rugby team, I had to practice, I 673 00:27:05,440 --> 00:27:07,560 Speaker 3: had like social outings I really wanted to go to 674 00:27:07,680 --> 00:27:10,000 Speaker 3: and I build that relationship. But also at the end 675 00:27:10,000 --> 00:27:11,199 Speaker 3: of the day, like I'm there for school, I'm going 676 00:27:11,240 --> 00:27:12,800 Speaker 3: to learn, like this is my future, so they take 677 00:27:12,800 --> 00:27:13,720 Speaker 3: that priority as well. 678 00:27:14,200 --> 00:27:14,760 Speaker 4: I think. 679 00:27:16,320 --> 00:27:18,800 Speaker 3: What benefited me most is I feel like I use 680 00:27:18,880 --> 00:27:23,040 Speaker 3: my undergrad to build myself, like my personality and my 681 00:27:23,880 --> 00:27:27,200 Speaker 3: person like who Nick is that was my undergrad because 682 00:27:27,240 --> 00:27:30,480 Speaker 3: I said yes to everything. And I mean Alabama's culture 683 00:27:30,560 --> 00:27:33,679 Speaker 3: is like so dramatic, where like you can connect with anybody, 684 00:27:33,760 --> 00:27:35,440 Speaker 3: you can talk to anybody, you can see the different 685 00:27:35,440 --> 00:27:37,679 Speaker 3: cultures that come in there, and you can actually build 686 00:27:37,760 --> 00:27:41,120 Speaker 3: who you are and then that foundation can get you anywhere, 687 00:27:41,400 --> 00:27:43,160 Speaker 3: like a job can be taught, like anybody can teach 688 00:27:43,160 --> 00:27:45,320 Speaker 3: a job as well, like and so it's like building 689 00:27:45,400 --> 00:27:48,479 Speaker 3: who you are first, then applying that to a future 690 00:27:48,520 --> 00:27:50,440 Speaker 3: you is like my goal. 691 00:27:50,520 --> 00:27:52,639 Speaker 2: Did you miss out on the college experience? Do you 692 00:27:52,680 --> 00:27:55,280 Speaker 2: have any regrets for them? Because obviously we've established some 693 00:27:55,320 --> 00:27:59,720 Speaker 2: of the financial benefits and the benefits to you at 694 00:27:59,760 --> 00:28:01,000 Speaker 2: your individual. 695 00:28:00,520 --> 00:28:03,560 Speaker 1: Growth personal development in the place. Yeah, but do you feel. 696 00:28:03,280 --> 00:28:06,240 Speaker 2: Like, man, I wish I would have taken the pedaled 697 00:28:06,359 --> 00:28:08,000 Speaker 2: off the medal a little bit, Like I wish I 698 00:28:08,040 --> 00:28:09,320 Speaker 2: would have chilled out just a bit so I could 699 00:28:09,359 --> 00:28:10,439 Speaker 2: have enjoyed that college experience. 700 00:28:10,760 --> 00:28:12,679 Speaker 3: Or no, no, I don't think I missed it at all. 701 00:28:13,480 --> 00:28:15,440 Speaker 3: So like going back when I first came, I didn't 702 00:28:15,440 --> 00:28:18,520 Speaker 3: say no to anything. I founded a club called First Fellows. 703 00:28:18,560 --> 00:28:22,840 Speaker 3: It was me and Taylor Robinson. She actually she was 704 00:28:22,880 --> 00:28:24,560 Speaker 3: spearheading and she was a president. She thought of everything. 705 00:28:24,600 --> 00:28:25,879 Speaker 3: She was like, we should really do this because she 706 00:28:25,880 --> 00:28:28,199 Speaker 3: was a first generation in scholarship as well, and she 707 00:28:28,359 --> 00:28:30,240 Speaker 3: was like, we need some like an organization that's for 708 00:28:30,400 --> 00:28:32,680 Speaker 3: first gen because when we go there, we have no idea, 709 00:28:32,720 --> 00:28:34,640 Speaker 3: Like I can't I can't go on LinkedIn and see 710 00:28:34,640 --> 00:28:36,800 Speaker 3: a post farm mom, but like, oh, has such a 711 00:28:36,840 --> 00:28:39,800 Speaker 3: great time like touring my daughter around or son around 712 00:28:40,320 --> 00:28:42,000 Speaker 3: the Lucky Martin with me today in the office. 713 00:28:42,600 --> 00:28:43,160 Speaker 4: We do not have. 714 00:28:44,720 --> 00:28:45,320 Speaker 1: What's that all about? 715 00:28:45,400 --> 00:28:47,640 Speaker 3: My mom doesn't even have a LinkedIn profile, Like she 716 00:28:47,640 --> 00:28:49,800 Speaker 3: doesn't know what that is, and like that mind neither. 717 00:28:49,840 --> 00:28:52,280 Speaker 1: But she's much older than your mom and retired. 718 00:28:52,880 --> 00:28:54,920 Speaker 3: But even that experience, like some people listen might be like, 719 00:28:54,920 --> 00:28:57,400 Speaker 3: oh that's that's that's weird, it's like but not to us, 720 00:28:57,400 --> 00:28:59,120 Speaker 3: like we have no idea like that, that little tiny 721 00:28:59,120 --> 00:29:01,640 Speaker 3: thing like as you jobs, connections all about who you know, 722 00:29:01,680 --> 00:29:04,760 Speaker 3: We've already like beaten this hours before. It's like who 723 00:29:04,800 --> 00:29:07,120 Speaker 3: you know here you get the job, like your experiences 724 00:29:07,240 --> 00:29:11,160 Speaker 3: or your connections, your friends, your coworkers. But with us, 725 00:29:11,160 --> 00:29:12,600 Speaker 3: like that's a whole world that we're not even a 726 00:29:12,600 --> 00:29:14,480 Speaker 3: part of. And so when we first came like my 727 00:29:14,640 --> 00:29:18,040 Speaker 3: dorm room almost had more population than my hometown. I mean, 728 00:29:18,120 --> 00:29:20,520 Speaker 3: my town's like ten thousand people strong. Like there's more 729 00:29:20,520 --> 00:29:23,560 Speaker 3: cow pastors and cemeteries and our people. And I go 730 00:29:23,600 --> 00:29:27,120 Speaker 3: here and I'm like, these gigantic buildings, I'm falling over 731 00:29:27,200 --> 00:29:29,160 Speaker 3: trying to look at them, and like, all right, cool, 732 00:29:29,200 --> 00:29:33,320 Speaker 3: here you are with ten thousand more freshmen go I 733 00:29:33,360 --> 00:29:35,960 Speaker 3: can't call it my mom and be like, hey, where's 734 00:29:35,960 --> 00:29:36,440 Speaker 3: the dining hall? 735 00:29:36,520 --> 00:29:37,080 Speaker 4: What's this stuff? 736 00:29:37,080 --> 00:29:38,360 Speaker 3: So it's like you got to go in there and 737 00:29:38,440 --> 00:29:40,640 Speaker 3: just be ready. So we built this organization to that, 738 00:29:40,680 --> 00:29:44,600 Speaker 3: and that was amazing. From there, again, I didn't join 739 00:29:44,640 --> 00:29:47,760 Speaker 3: a fraternity. I was like my fresh year I joined 740 00:29:47,760 --> 00:29:49,680 Speaker 3: the rugby team, played with them for three years, and 741 00:29:49,720 --> 00:29:53,600 Speaker 3: then my sophomore I went to a group of guys 742 00:29:53,640 --> 00:29:55,880 Speaker 3: that were hanging around this table at like a local 743 00:29:55,880 --> 00:29:58,640 Speaker 3: pub and was talking to them. Great guys, a bunch 744 00:29:58,720 --> 00:30:01,480 Speaker 3: like trail mix people like nobody from all cultures, all identities. 745 00:30:01,720 --> 00:30:04,000 Speaker 3: We're laughing or goofing. They're like, yeah, you should come 746 00:30:04,000 --> 00:30:05,280 Speaker 3: back to the house. Like we're just doing like we're 747 00:30:05,280 --> 00:30:06,800 Speaker 3: just gonna watch the watch the game. It was like 748 00:30:06,800 --> 00:30:07,479 Speaker 3: some basketball game. 749 00:30:07,520 --> 00:30:08,120 Speaker 4: I was like, oh cool. 750 00:30:08,120 --> 00:30:10,880 Speaker 3: I was like, uh, what apartment? Like the apartment, I 751 00:30:10,880 --> 00:30:12,800 Speaker 3: was like, Oh no, we're in this fraternity. I'm like, 752 00:30:12,840 --> 00:30:14,480 Speaker 3: oh my god, it's so cool. Like I had no idea, 753 00:30:14,480 --> 00:30:16,080 Speaker 3: like you are just regular dudes. And like I grew 754 00:30:16,120 --> 00:30:18,360 Speaker 3: up like I thought that was like Blue Mountain State 755 00:30:18,440 --> 00:30:20,600 Speaker 3: kind of thing. It's like I don't want to I'm 756 00:30:20,640 --> 00:30:22,040 Speaker 3: not I'm not gonna pay for friends and I could 757 00:30:22,080 --> 00:30:25,280 Speaker 3: do this, but it's agenda connection. That was like almost 758 00:30:25,320 --> 00:30:28,000 Speaker 3: like a like a community, and that's exactly why I 759 00:30:28,000 --> 00:30:30,400 Speaker 3: need to like hold a foundation. And people were like 760 00:30:30,440 --> 00:30:31,920 Speaker 3: in there struggling with money or they or they had 761 00:30:31,920 --> 00:30:34,760 Speaker 3: a lot of money, or they're like a part of 762 00:30:34,800 --> 00:30:37,400 Speaker 3: like the LGBTQ community, or they were straight there. It's 763 00:30:37,440 --> 00:30:39,800 Speaker 3: like you get involved in so much that you just 764 00:30:39,800 --> 00:30:41,760 Speaker 3: come out such a more rounded person. I think that's 765 00:30:41,800 --> 00:30:44,240 Speaker 3: college is more about, is like rounding yourself and finding 766 00:30:44,280 --> 00:30:47,440 Speaker 3: your identity and developing yourself as well as like finding 767 00:30:47,440 --> 00:30:49,120 Speaker 3: yourself because I didn't know exactly what to do until 768 00:30:49,200 --> 00:30:50,960 Speaker 3: my junior year when I was in college and I 769 00:30:50,960 --> 00:30:54,040 Speaker 3: was like, wow, like I really do love like entrepreneurship. 770 00:30:54,080 --> 00:30:55,880 Speaker 3: I love consulting and I would go around and help 771 00:30:55,920 --> 00:30:59,320 Speaker 3: businesses start like promoting themselves, like I hope with the 772 00:30:59,320 --> 00:31:01,600 Speaker 3: coffee shop to their own like coffee beans and to 773 00:31:01,640 --> 00:31:03,640 Speaker 3: go into stores. I hope with the music venue to 774 00:31:03,680 --> 00:31:06,080 Speaker 3: make to build their brand ambassador team. I hope with 775 00:31:06,080 --> 00:31:09,360 Speaker 3: the dispensary to help like their marketing to try to 776 00:31:09,360 --> 00:31:11,800 Speaker 3: get them like started when the Hemp was just getting 777 00:31:12,080 --> 00:31:15,160 Speaker 3: on boarded and Tuscalusa, and also our work as a 778 00:31:15,440 --> 00:31:18,920 Speaker 3: brand ambassador for anhasser Bush and so building relationships talking 779 00:31:18,920 --> 00:31:21,040 Speaker 3: to people, like building brand new celtzas that nobody ever 780 00:31:21,080 --> 00:31:25,120 Speaker 3: heard about, like the Buylite Seltzer Winter Pack. We'd be 781 00:31:25,160 --> 00:31:26,640 Speaker 3: like trying to promote this drink and be like, hey, 782 00:31:26,680 --> 00:31:28,240 Speaker 3: like you should define try this because there are the flavor, 783 00:31:28,320 --> 00:31:32,440 Speaker 3: there's a benefit, and it's like just being that entrepreneuri spirit, 784 00:31:32,440 --> 00:31:33,480 Speaker 3: I was like, Wow, this is what I want to do. 785 00:31:33,520 --> 00:31:35,280 Speaker 3: I want to work for a startup. Yeah, And I 786 00:31:35,320 --> 00:31:36,960 Speaker 3: would never know and that unless I took the chances 787 00:31:36,960 --> 00:31:38,120 Speaker 3: and developed that. 788 00:31:38,760 --> 00:31:42,160 Speaker 1: Yeah. I mean what I hear you saying, Like you again, 789 00:31:42,280 --> 00:31:45,320 Speaker 1: like you said yes to everything that came across your path, 790 00:31:45,360 --> 00:31:47,160 Speaker 1: that came across your plate, right, like you took a 791 00:31:47,160 --> 00:31:51,400 Speaker 1: bite of everything everything. But I am curious and I 792 00:31:51,480 --> 00:31:56,040 Speaker 1: do wonder if if it wasn't for your upbringing, if 793 00:31:56,040 --> 00:31:58,360 Speaker 1: you would have that same kind of drive. Do you 794 00:31:58,400 --> 00:31:59,680 Speaker 1: think that that's the case, because I think there's a 795 00:31:59,720 --> 00:32:02,240 Speaker 1: lot of out there and yeah, you know, they they 796 00:32:02,360 --> 00:32:04,320 Speaker 1: they've had parents and they've helped them along, and they're 797 00:32:04,360 --> 00:32:06,800 Speaker 1: taking them to the company, you know, and then the 798 00:32:06,840 --> 00:32:11,480 Speaker 1: internships and getting them introduced. But you learned that while 799 00:32:11,480 --> 00:32:13,400 Speaker 1: you were there in school. But I think a lot 800 00:32:13,440 --> 00:32:14,800 Speaker 1: of that, it sounds like to me, at least a 801 00:32:14,840 --> 00:32:17,480 Speaker 1: lot of that was fueled by your upbringing, by the 802 00:32:17,480 --> 00:32:20,680 Speaker 1: fact that you didn't have that. How critical do you 803 00:32:20,720 --> 00:32:22,480 Speaker 1: think or how crucial do you think that kind of 804 00:32:22,520 --> 00:32:25,880 Speaker 1: experience is to in your case, having that drive to 805 00:32:25,960 --> 00:32:27,920 Speaker 1: want to go out there and to kill something and 806 00:32:28,000 --> 00:32:29,200 Speaker 1: to create your own thing. 807 00:32:29,400 --> 00:32:30,440 Speaker 4: I think is exposure. 808 00:32:32,160 --> 00:32:34,880 Speaker 1: So not necessarily going through it, but just even seeing that. 809 00:32:34,920 --> 00:32:38,120 Speaker 3: These options, even seeing it, I mean, like what we 810 00:32:38,240 --> 00:32:41,320 Speaker 3: grow our strongest when we're under pressure, Like there, we 811 00:32:41,400 --> 00:32:43,600 Speaker 3: experience things that we like all the fairies we have 812 00:32:44,240 --> 00:32:46,840 Speaker 3: we find one success story from And I think that 813 00:32:46,920 --> 00:32:50,360 Speaker 3: was my whole thing, was I was exposed to everything 814 00:32:50,360 --> 00:32:52,480 Speaker 3: almost but also my friends were as well, Like my 815 00:32:52,560 --> 00:32:54,800 Speaker 3: city wasn't we didn't have like millionaires in our city 816 00:32:54,800 --> 00:32:57,160 Speaker 3: anything like that. So all my friends were struggling around 817 00:32:57,160 --> 00:32:59,719 Speaker 3: me as well, and I see what what the struggles were, 818 00:32:59,720 --> 00:33:01,440 Speaker 3: and like they did to overcome them, or like what 819 00:33:01,560 --> 00:33:03,880 Speaker 3: they didn't do to overcome them, and they're still there 820 00:33:04,040 --> 00:33:07,240 Speaker 3: or that are or that are like going the opposite 821 00:33:07,240 --> 00:33:09,760 Speaker 3: way from me, and you take that with you when 822 00:33:09,760 --> 00:33:11,520 Speaker 3: you do go off to a whole different college or 823 00:33:11,560 --> 00:33:13,480 Speaker 3: a whole different experience, or even if you don't go 824 00:33:13,560 --> 00:33:14,680 Speaker 3: to college, like you don't even have to go to 825 00:33:14,720 --> 00:33:17,680 Speaker 3: college this time of years, or like right now in 826 00:33:17,720 --> 00:33:20,720 Speaker 3: our current like final situation you could explore is like 827 00:33:20,760 --> 00:33:24,440 Speaker 3: even moving to Atlanta, I had no idea who anybody 828 00:33:24,480 --> 00:33:26,120 Speaker 3: was here, Like I didn't know where to live, I 829 00:33:26,160 --> 00:33:28,000 Speaker 3: didn't know where to stay or who to talk to. 830 00:33:28,440 --> 00:33:31,720 Speaker 3: I just came here and I just again said no, 831 00:33:32,280 --> 00:33:33,520 Speaker 3: or I didn't say no at all, Like I just 832 00:33:33,520 --> 00:33:34,520 Speaker 3: said yes to every single thing that. 833 00:33:34,480 --> 00:33:35,240 Speaker 4: Came an opportunity. 834 00:33:35,280 --> 00:33:38,280 Speaker 3: Like I went out one time I saw hiring for 835 00:33:38,320 --> 00:33:40,440 Speaker 3: a bartender and I was like, wow, bartending. 836 00:33:40,120 --> 00:33:42,400 Speaker 1: Experience and I've done that before and I already had a. 837 00:33:42,320 --> 00:33:44,080 Speaker 3: Full time job, and I was like, cool, I'll just 838 00:33:44,080 --> 00:33:45,680 Speaker 3: just apply. Well, see what happens. He's like, hey man, 839 00:33:45,680 --> 00:33:47,240 Speaker 3: I was like, I need someone right now. 840 00:33:47,560 --> 00:33:49,880 Speaker 1: I my my buddy just quit, like literally slapped a 841 00:33:49,880 --> 00:33:50,640 Speaker 1: sapron on Clis's go. 842 00:33:50,760 --> 00:33:52,560 Speaker 3: Yeah, let's go. And I was like, all right, let's 843 00:33:52,640 --> 00:33:55,040 Speaker 3: let's go. And so our bartad that night, they're like, 844 00:33:55,080 --> 00:33:56,600 Speaker 3: oh this is amazing. I'm met a bunch of friends. 845 00:33:57,160 --> 00:33:59,280 Speaker 3: They actually introduced me to the industry. I know a 846 00:33:59,280 --> 00:34:01,800 Speaker 3: lot of cells rep and in turns to my like 847 00:34:02,080 --> 00:34:05,840 Speaker 3: kind of like going to my future job. That connection 848 00:34:05,880 --> 00:34:07,840 Speaker 3: helped me so much, Like I got my job now 849 00:34:07,880 --> 00:34:10,320 Speaker 3: from doing that, from being like, oh cool, there's a 850 00:34:10,360 --> 00:34:12,279 Speaker 3: sign of says hiring, let's do it. 851 00:34:12,320 --> 00:34:14,320 Speaker 4: I mean I'm here right now, ready to go. Yeah, 852 00:34:14,400 --> 00:34:14,920 Speaker 4: And so. 853 00:34:14,960 --> 00:34:18,279 Speaker 3: Yeah, I guess just exposure to stuff that is not 854 00:34:18,400 --> 00:34:20,360 Speaker 3: there and taking advantage of stuff that is there is 855 00:34:20,800 --> 00:34:24,360 Speaker 3: what made me, like, I guess, get out my shoes 856 00:34:24,360 --> 00:34:26,040 Speaker 3: and be able to tackle all those things that were 857 00:34:26,040 --> 00:34:27,960 Speaker 3: those different hats that I was trying to do and 858 00:34:28,000 --> 00:34:29,760 Speaker 3: try and be like I'm not missing out the call experience, 859 00:34:29,760 --> 00:34:33,000 Speaker 3: but I'm gaining real life experience that no professor could 860 00:34:33,040 --> 00:34:33,360 Speaker 3: teach me. 861 00:34:33,600 --> 00:34:36,360 Speaker 1: So when we met you, you had two jobs. I 862 00:34:36,360 --> 00:34:37,880 Speaker 1: remember one of them was for like one of. 863 00:34:37,880 --> 00:34:41,040 Speaker 3: The races companies like Spartan Race or matter which I 864 00:34:41,040 --> 00:34:42,919 Speaker 3: worked for a Spartan Races Smart Spartan Race. 865 00:34:43,000 --> 00:34:46,840 Speaker 1: And in addition to the beverage industry, is it just 866 00:34:46,880 --> 00:34:48,680 Speaker 1: that you've got the drive? Like I'm trying to connect 867 00:34:48,680 --> 00:34:50,000 Speaker 1: the dots for folks out there who are just like, 868 00:34:50,000 --> 00:34:52,840 Speaker 1: am I just a slacker? Is it for you? Is 869 00:34:52,840 --> 00:34:54,960 Speaker 1: it just that you've got this pins up energy, that 870 00:34:55,000 --> 00:34:57,759 Speaker 1: you've got this drive, or is it something outside of 871 00:34:57,760 --> 00:34:59,960 Speaker 1: you that you're trying to pursue, Like is it like, 872 00:35:00,000 --> 00:35:01,640 Speaker 1: do you have your eyes set on some kind of goal, 873 00:35:01,760 --> 00:35:04,239 Speaker 1: some kind of financial goal or a lifestyle goal or 874 00:35:04,280 --> 00:35:06,239 Speaker 1: is it more internal that you're just like this is 875 00:35:06,280 --> 00:35:08,040 Speaker 1: just who I am? Or is it maybe a little 876 00:35:08,040 --> 00:35:08,439 Speaker 1: bit of both. 877 00:35:08,520 --> 00:35:09,919 Speaker 4: No, I think that's the perfect question. 878 00:35:10,000 --> 00:35:11,960 Speaker 3: I think it ties into again like the podcast where 879 00:35:12,040 --> 00:35:15,840 Speaker 3: y'all talk about like building your goals and making sub goals, 880 00:35:16,000 --> 00:35:18,120 Speaker 3: And so I built a five year plan. By by 881 00:35:18,160 --> 00:35:21,480 Speaker 3: twenty thirty, I or by I'm thirty, I want to 882 00:35:21,480 --> 00:35:23,160 Speaker 3: be a millionaire. I want to retire, right, And that's 883 00:35:23,160 --> 00:35:24,759 Speaker 3: that's my goal is to retire and. 884 00:35:24,920 --> 00:35:26,040 Speaker 1: To retire by thirty. 885 00:35:25,880 --> 00:35:28,680 Speaker 3: To retire by thirty is my goal. And every time 886 00:35:28,719 --> 00:35:30,200 Speaker 3: I every time I talk to people are like, oh, 887 00:35:30,280 --> 00:35:30,840 Speaker 3: that's crazy. 888 00:35:30,880 --> 00:35:31,560 Speaker 4: I doesn't have it. 889 00:35:31,600 --> 00:35:33,040 Speaker 3: But also like when Bill gets like, oh, yeah, I'm 890 00:35:33,040 --> 00:35:35,279 Speaker 3: going to vent this, you were like, that's that's wild. 891 00:35:36,000 --> 00:35:38,960 Speaker 3: I joined this like masterclassing on It's like an app. 892 00:35:39,200 --> 00:35:40,759 Speaker 3: You can drive a master class if you tried that, 893 00:35:40,920 --> 00:35:41,400 Speaker 3: YE don't know. 894 00:35:41,719 --> 00:35:45,920 Speaker 2: I think I I did Aaron Franklin's masterclass on smoking 895 00:35:46,000 --> 00:35:48,279 Speaker 2: or I spoil one of those videos, but I'm not. 896 00:35:49,400 --> 00:35:50,439 Speaker 1: I can't smoke meat something. 897 00:35:51,040 --> 00:35:54,640 Speaker 3: So yeah. It's the CEO of Walt Disney. He has 898 00:35:54,680 --> 00:35:56,279 Speaker 3: his master class on there and he was like good 899 00:35:56,280 --> 00:36:01,000 Speaker 3: friends with Steve Jobs, and he he came to him 900 00:36:01,080 --> 00:36:03,200 Speaker 3: and he was like, Hey, I'm going to show you something. 901 00:36:03,239 --> 00:36:06,040 Speaker 3: I want you to be all in and he was like, oh, 902 00:36:06,080 --> 00:36:06,799 Speaker 3: what are you gonna show me? 903 00:36:06,960 --> 00:36:07,560 Speaker 4: What it has to be? 904 00:36:07,719 --> 00:36:10,120 Speaker 3: Off the books, He's like, I think I have something 905 00:36:10,120 --> 00:36:11,880 Speaker 3: that you can put all your ABC shows on. And 906 00:36:11,920 --> 00:36:15,920 Speaker 3: he shows them this little like the the iPod with 907 00:36:15,960 --> 00:36:17,560 Speaker 3: the screen. He's like, this is what people are gonna 908 00:36:17,560 --> 00:36:20,400 Speaker 3: be using. And he's like that's crazy. He's like, this 909 00:36:20,480 --> 00:36:22,319 Speaker 3: is insane. He's like he's liked, this is the first one, 910 00:36:22,600 --> 00:36:25,239 Speaker 3: like you're the only one that's seen this. And now, 911 00:36:25,440 --> 00:36:26,680 Speaker 3: I mean we're attached to our phones. I have a 912 00:36:26,680 --> 00:36:28,640 Speaker 3: screen on it, and it started right there. And so 913 00:36:28,680 --> 00:36:30,600 Speaker 3: it's like, people think you're crazy for saying something, but 914 00:36:30,640 --> 00:36:32,560 Speaker 3: it's like that man was crazy. I bet he thought 915 00:36:32,560 --> 00:36:34,879 Speaker 3: the same thing, Like there's no way someone's gonna watch 916 00:36:34,920 --> 00:36:36,799 Speaker 3: something on that tiny low screen where I can put 917 00:36:36,800 --> 00:36:39,400 Speaker 3: shows or movies or televisions or sports or and like that, 918 00:36:39,560 --> 00:36:42,800 Speaker 3: Now boom, it's everywhere. I mean, everybody has one. And 919 00:36:42,800 --> 00:36:44,239 Speaker 3: if you don't have, when you're trying to get one, right, 920 00:36:44,280 --> 00:36:49,080 Speaker 3: and it's like it's I guess having that exposure to 921 00:36:50,200 --> 00:36:53,239 Speaker 3: being that drive and trying to get to someplace that 922 00:36:53,280 --> 00:36:55,680 Speaker 3: you're not. And so that's why I wrote these goals 923 00:36:55,960 --> 00:36:58,040 Speaker 3: and onto these goals, like my five year plans to 924 00:36:58,080 --> 00:37:00,640 Speaker 3: be there. I'm like, okay, now my first goal is 925 00:37:00,680 --> 00:37:03,759 Speaker 3: to do rent up properties to help me with that goal. Right, 926 00:37:03,800 --> 00:37:06,440 Speaker 3: So my baseline, if I can make like eight thousand 927 00:37:06,480 --> 00:37:09,520 Speaker 3: dollars a month, I living like a king, right, Like 928 00:37:09,560 --> 00:37:12,239 Speaker 3: I don't need anything crazy, Like I live below my 929 00:37:12,280 --> 00:37:14,600 Speaker 3: means right now. I live below on my means. When 930 00:37:14,640 --> 00:37:17,600 Speaker 3: I was eight years old and still in college and 931 00:37:17,640 --> 00:37:21,360 Speaker 3: so having that like the growth of income when people 932 00:37:21,640 --> 00:37:23,359 Speaker 3: what's it called when you say on the show, it's 933 00:37:23,400 --> 00:37:25,040 Speaker 3: like inflation of your income. 934 00:37:24,760 --> 00:37:29,520 Speaker 1: Oh, compounding returns. No, lifestyle creepy, lifestyle creepy, thank you, yeah, 935 00:37:29,680 --> 00:37:32,400 Speaker 1: lifestyle creep I just feel like, for me, that's not 936 00:37:32,440 --> 00:37:35,920 Speaker 1: even award of my definition or award of my dictionary, because. 937 00:37:36,600 --> 00:37:39,640 Speaker 3: I've tried so hard to keep that that ceiling already 938 00:37:39,640 --> 00:37:41,480 Speaker 3: below that that I've never really hit that. Like even 939 00:37:41,520 --> 00:37:43,160 Speaker 3: when I was tunny earlier, when I moved to Atlanta, 940 00:37:43,560 --> 00:37:46,000 Speaker 3: I toured so many different apartments. I crashed on boyceecouts 941 00:37:46,000 --> 00:37:48,000 Speaker 3: for whole week. I made all these appointments and they're 942 00:37:48,040 --> 00:37:50,279 Speaker 3: like two thousand dollars twenty one hundred, twenty four hundred. 943 00:37:50,320 --> 00:37:51,759 Speaker 3: I was like, oh my god, I don't know if 944 00:37:51,760 --> 00:37:52,920 Speaker 3: I can live in Atlanta. I don't know if I 945 00:37:52,960 --> 00:37:56,040 Speaker 3: can go to work anymore. And when this one popped 946 00:37:56,080 --> 00:37:57,920 Speaker 3: up on Facebook, I saw the price. I didn't even 947 00:37:57,960 --> 00:37:59,520 Speaker 3: tour it. I was like sold, I was, I don't 948 00:37:59,520 --> 00:38:01,000 Speaker 3: care where. I was like, this is a price, it's 949 00:38:01,000 --> 00:38:02,680 Speaker 3: in my budget, Like I'm leaving below my means and 950 00:38:02,719 --> 00:38:03,520 Speaker 3: I live in the shoe box. 951 00:38:03,560 --> 00:38:04,320 Speaker 4: But it's my shoebox. 952 00:38:04,480 --> 00:38:05,400 Speaker 1: Yeah it's beautiful. 953 00:38:05,480 --> 00:38:09,880 Speaker 3: Yeah, I love it, And so I think, yeah, actually, 954 00:38:10,000 --> 00:38:13,040 Speaker 3: I just think going for exposure again of being the 955 00:38:13,120 --> 00:38:16,480 Speaker 3: uncertainty of where you're in, going towards having that drive, 956 00:38:16,520 --> 00:38:18,800 Speaker 3: but also staying below your means can really push you 957 00:38:18,840 --> 00:38:20,520 Speaker 3: in a situation where you can succeed. 958 00:38:21,080 --> 00:38:21,800 Speaker 1: It's beautiful. 959 00:38:22,080 --> 00:38:23,759 Speaker 2: We got a few more questions We've got to get 960 00:38:23,760 --> 00:38:26,560 Speaker 2: to with you, Nick and uncover a little more about 961 00:38:26,560 --> 00:38:29,160 Speaker 2: your future and where those goals are headed and how 962 00:38:29,160 --> 00:38:32,600 Speaker 2: you're going to get there in the coming what five years. 963 00:38:32,680 --> 00:38:34,560 Speaker 2: We'll talk about that a little more right after this. 964 00:38:42,480 --> 00:38:44,319 Speaker 1: All right, we're back from the break talking with Nick. 965 00:38:44,480 --> 00:38:46,600 Speaker 1: And Nick right before the break, you're talking about living 966 00:38:46,600 --> 00:38:49,400 Speaker 1: below your means and specifically when it came to housing, 967 00:38:49,600 --> 00:38:52,480 Speaker 1: and what that gives you is it gives you options 968 00:38:52,600 --> 00:38:55,000 Speaker 1: to be able to do other things, to pursue other goals. 969 00:38:55,320 --> 00:38:58,200 Speaker 1: And I'm curious because you said early, even earlier, that 970 00:38:58,280 --> 00:39:00,520 Speaker 1: you want to be able to retire by the time 971 00:39:00,520 --> 00:39:03,680 Speaker 1: you're thirty. So my question do you actually want to 972 00:39:03,719 --> 00:39:05,600 Speaker 1: retire when you're thirty years old or do you just 973 00:39:05,640 --> 00:39:09,319 Speaker 1: want to financially have the ability to retire? Because I'll 974 00:39:09,320 --> 00:39:10,719 Speaker 1: share and we've talked about this on the show, but 975 00:39:10,800 --> 00:39:13,640 Speaker 1: my view personally of work has changed. When I first 976 00:39:13,760 --> 00:39:16,520 Speaker 1: learned about Fire, I was just like, dude, I'm doing this, 977 00:39:16,719 --> 00:39:18,760 Speaker 1: you know, like I'm there crunching the can I retire 978 00:39:18,840 --> 00:39:22,279 Speaker 1: yet calculator? You know. Reading the Mister Money Mustache post, 979 00:39:22,360 --> 00:39:24,879 Speaker 1: that was like, everyone's a lot of folks who out 980 00:39:24,960 --> 00:39:27,000 Speaker 1: is like in our generation, that was like their gateway 981 00:39:27,040 --> 00:39:31,320 Speaker 1: drug to the fire community. The shockingly simple math behind 982 00:39:31,360 --> 00:39:34,080 Speaker 1: early retirement. It was millions, it was the name of 983 00:39:34,080 --> 00:39:36,719 Speaker 1: that post. But I'm curious, Yeah, do you want the 984 00:39:36,800 --> 00:39:39,200 Speaker 1: ability to retire when you hit thirty or you literally 985 00:39:39,239 --> 00:39:41,680 Speaker 1: want to retire and want to do something like completely 986 00:39:41,880 --> 00:39:44,279 Speaker 1: off the books, So maybe we're not even earning money. 987 00:39:44,440 --> 00:39:44,960 Speaker 1: I'm curious. 988 00:39:45,120 --> 00:39:46,759 Speaker 3: No, I think I'm a hustler. I think I like 989 00:39:46,800 --> 00:39:48,680 Speaker 3: that saying earlier, I have the drive. I don't think 990 00:39:48,680 --> 00:39:49,440 Speaker 3: I'm ever gonna stop work. 991 00:39:49,440 --> 00:39:51,040 Speaker 1: Okay, good, because I'm like, I don't know how you're 992 00:39:51,080 --> 00:39:55,080 Speaker 1: planning to go from like full throttle pedal to the metals. 993 00:39:55,160 --> 00:39:56,759 Speaker 1: I'm just not going to work anymore for the rest 994 00:39:56,760 --> 00:39:57,120 Speaker 1: of money. 995 00:39:57,120 --> 00:39:59,040 Speaker 2: For some reason, with all the football talk we had earlier, 996 00:39:59,080 --> 00:40:01,879 Speaker 2: all I can think of is is Rudy from the movie, 997 00:40:01,960 --> 00:40:03,839 Speaker 2: you know, like the Notre Dame Walk On, And I'm like, Nick, 998 00:40:03,880 --> 00:40:06,520 Speaker 2: you remind me of him, Like that motor that he 999 00:40:06,600 --> 00:40:09,600 Speaker 2: had to succeed, like despite his obstacles, right, the fact 1000 00:40:09,600 --> 00:40:11,600 Speaker 2: that he was like shorter than everybody else, he wasn't 1001 00:40:11,640 --> 00:40:13,319 Speaker 2: as big, like you can't play on the Notre Dame 1002 00:40:13,320 --> 00:40:15,640 Speaker 2: football team, man, And then he does like you just 1003 00:40:15,680 --> 00:40:17,040 Speaker 2: have that kind of motor. So when you say you 1004 00:40:17,080 --> 00:40:18,640 Speaker 2: want to retire at thirty, I'm like, what does that 1005 00:40:18,640 --> 00:40:19,200 Speaker 2: look like for you? 1006 00:40:19,360 --> 00:40:19,720 Speaker 4: Yeah? 1007 00:40:19,840 --> 00:40:23,400 Speaker 3: I think retiring for me is finally being able to 1008 00:40:23,440 --> 00:40:28,839 Speaker 3: do my entrepreneurship goals. For me, retiring at thirty is 1009 00:40:29,200 --> 00:40:32,560 Speaker 3: a momentum. It's a testament. It's showing people behind me, 1010 00:40:32,640 --> 00:40:34,720 Speaker 3: showing people in front of me, showing people in my situation. 1011 00:40:34,760 --> 00:40:36,920 Speaker 3: It's like, oh my god, this guy's crazy. But every 1012 00:40:36,960 --> 00:40:39,640 Speaker 3: single thing he's talking about he's actually doing. I hate 1013 00:40:39,680 --> 00:40:42,759 Speaker 3: talking and speaking and preaching before without like, you know, 1014 00:40:42,880 --> 00:40:45,640 Speaker 3: actions speak louder than words, and I'd like to have 1015 00:40:45,640 --> 00:40:47,239 Speaker 3: my words out there because I rethink it everything every 1016 00:40:47,239 --> 00:40:50,600 Speaker 3: time I talk to somebody. But also it validates it, right, Cool, 1017 00:40:50,600 --> 00:40:53,640 Speaker 3: I told this person I'm going to do this, more motivation, 1018 00:40:53,680 --> 00:40:56,520 Speaker 3: more accountability to actually make this achieve and like through 1019 00:40:56,560 --> 00:40:58,360 Speaker 3: those goals, like at sub goals like okay, cool, I 1020 00:40:58,360 --> 00:40:59,960 Speaker 3: want to do three rentum properties, Well, how do I 1021 00:41:00,200 --> 00:41:01,680 Speaker 3: the first one of property? Okay, cool, I need to 1022 00:41:01,719 --> 00:41:04,560 Speaker 3: have termsent down payment? How do you twin percent down pament? 1023 00:41:04,600 --> 00:41:06,919 Speaker 3: Like breaking down these goals to where it's like when 1024 00:41:06,960 --> 00:41:09,160 Speaker 3: you eat an elephant, what one by at the time? Right, 1025 00:41:09,960 --> 00:41:11,799 Speaker 3: And That's what I'm trying to do with these major goals, 1026 00:41:11,840 --> 00:41:14,160 Speaker 3: Like I do have these major goals to retire when 1027 00:41:14,160 --> 00:41:16,520 Speaker 3: I'm thirty, but I'm actually managing them very very well. 1028 00:41:17,000 --> 00:41:17,960 Speaker 4: And when I do do. 1029 00:41:17,960 --> 00:41:20,200 Speaker 3: That, for example, I have the spreadsheet and every single 1030 00:41:20,239 --> 00:41:22,640 Speaker 3: tab has a crazy idea has a crazy idea on it. 1031 00:41:23,080 --> 00:41:25,560 Speaker 3: For example, it's like launchy MAT's townhomes development, it's a 1032 00:41:26,360 --> 00:41:30,120 Speaker 3: storage unit's complex. It's like developing a startup company. It's 1033 00:41:30,120 --> 00:41:32,480 Speaker 3: opening up with dispensary, it's doing like different jobs. And 1034 00:41:32,520 --> 00:41:35,319 Speaker 3: every single time I click on this TABI my exospreadsheet 1035 00:41:35,360 --> 00:41:36,600 Speaker 3: has a list of action items. 1036 00:41:36,680 --> 00:41:38,200 Speaker 4: What am I doing? How am I moving? 1037 00:41:38,280 --> 00:41:42,720 Speaker 3: And so I probably have twenty different projects, entrepreneurships, side hustles, 1038 00:41:42,760 --> 00:41:44,560 Speaker 3: things that I'm doing and they're all growing, but they're 1039 00:41:44,560 --> 00:41:46,399 Speaker 3: growing one percent each. So people are like, oh, you're 1040 00:41:46,400 --> 00:41:48,520 Speaker 3: so divided, You're you're you're not spending much time, Like 1041 00:41:48,560 --> 00:41:50,000 Speaker 3: how do you get so effort? I'm like, okay, well, 1042 00:41:50,160 --> 00:41:52,040 Speaker 3: if I'm free, if I have time, I click one 1043 00:41:52,040 --> 00:41:53,400 Speaker 3: that I want to work on, and I see my 1044 00:41:53,440 --> 00:41:56,680 Speaker 3: progression and that's like slowly like biding the elephant one 1045 00:41:56,719 --> 00:41:59,560 Speaker 3: by the time until one goes to fruition, and like 1046 00:41:59,560 --> 00:42:01,920 Speaker 3: all these are just like I know, Like I love 1047 00:42:01,960 --> 00:42:03,920 Speaker 3: a note. I love a know so much because once 1048 00:42:03,920 --> 00:42:05,319 Speaker 3: it's going to know, it's closer to the next. Yes, 1049 00:42:05,400 --> 00:42:06,320 Speaker 3: and that's how I succeed. 1050 00:42:06,760 --> 00:42:10,680 Speaker 2: I'm curious because you went to college, you got an MBA, 1051 00:42:11,160 --> 00:42:14,440 Speaker 2: but clearly there's a lot of self education in your 1052 00:42:14,480 --> 00:42:17,560 Speaker 2: journey as well, right, so it wasn't just go to college, 1053 00:42:17,640 --> 00:42:20,280 Speaker 2: get a degree, get a job. Like there's so much 1054 00:42:21,239 --> 00:42:24,640 Speaker 2: like self effort that had to go into figuring the 1055 00:42:24,680 --> 00:42:27,600 Speaker 2: things out because again, you weren't born with someone whispering 1056 00:42:27,640 --> 00:42:29,239 Speaker 2: these things into your ears telling you, hey, this is 1057 00:42:29,280 --> 00:42:30,759 Speaker 2: how you play the game. This is how you buy 1058 00:42:30,760 --> 00:42:32,359 Speaker 2: real estate and build an empire so you can retire 1059 00:42:32,400 --> 00:42:35,360 Speaker 2: at thirty. You have really had to kind of diy 1060 00:42:35,840 --> 00:42:37,680 Speaker 2: all of that. What does that look like? Is that 1061 00:42:37,760 --> 00:42:42,799 Speaker 2: just kind of a continuous improvement way of thinking on 1062 00:42:42,840 --> 00:42:45,399 Speaker 2: your part, Like I'm always digging in trying to learn 1063 00:42:45,440 --> 00:42:46,799 Speaker 2: the thing that I don't know when I hear the 1064 00:42:46,880 --> 00:42:49,120 Speaker 2: idea so that I can figure it out, Like how 1065 00:42:49,200 --> 00:42:50,360 Speaker 2: is your brain working on that stuff? 1066 00:42:50,440 --> 00:42:51,880 Speaker 4: I just think I'd love to be a sponge. 1067 00:42:52,000 --> 00:42:55,319 Speaker 3: Honestly, I love learning sans so nerdy, but I love 1068 00:42:55,360 --> 00:42:57,200 Speaker 3: it just like just to be able to Like I mean, 1069 00:42:57,320 --> 00:43:00,040 Speaker 3: knowledge is power, and that's been said since Like I 1070 00:43:00,080 --> 00:43:02,680 Speaker 3: don't know night and day right, and but when people 1071 00:43:02,719 --> 00:43:04,799 Speaker 3: have this knowledge sometimes don't share it. And so how 1072 00:43:04,800 --> 00:43:06,600 Speaker 3: are you going to find this knowledge out? Like this 1073 00:43:06,640 --> 00:43:10,000 Speaker 3: tech technology is it's it's it's like invaluable or like 1074 00:43:10,000 --> 00:43:12,840 Speaker 3: you can't even measure it. How this tech technology is 1075 00:43:12,880 --> 00:43:15,200 Speaker 3: passed down? Like okay, cool, Well you bought five rental houses, 1076 00:43:15,200 --> 00:43:15,839 Speaker 3: Well how do you do that? 1077 00:43:16,400 --> 00:43:16,560 Speaker 4: Oh? 1078 00:43:16,640 --> 00:43:18,560 Speaker 3: Actually I knew the guy that was selling them off market, 1079 00:43:18,600 --> 00:43:20,319 Speaker 3: and then he actually knew the bank, and then he 1080 00:43:20,360 --> 00:43:21,719 Speaker 3: actually knew that you can get a loan for a 1081 00:43:21,800 --> 00:43:24,040 Speaker 3: zero percent down payment, and then now I have two 1082 00:43:24,080 --> 00:43:27,200 Speaker 3: hundred doors. Well that makes it sound different, like you 1083 00:43:27,200 --> 00:43:29,520 Speaker 3: can't really trust people doing that. You have no idea, 1084 00:43:29,600 --> 00:43:32,279 Speaker 3: like some posts like a hire our LinkedIn or like 1085 00:43:32,320 --> 00:43:34,960 Speaker 3: a post for Lucky Martin, or like P and C 1086 00:43:35,160 --> 00:43:35,759 Speaker 3: or these big banks. 1087 00:43:37,000 --> 00:43:39,800 Speaker 2: Well I started third base. You're like, oh cool, exactly 1088 00:43:39,840 --> 00:43:40,480 Speaker 2: how do I do that? 1089 00:43:40,719 --> 00:43:43,879 Speaker 3: So and like my generation, we compare ourselves every single day, 1090 00:43:43,960 --> 00:43:46,080 Speaker 3: every single day with this this screen, it's attached to 1091 00:43:46,120 --> 00:43:49,280 Speaker 3: this people's hips or even just like all my friends 1092 00:43:49,320 --> 00:43:50,920 Speaker 3: are like, oh I want to be at this position, 1093 00:43:50,960 --> 00:43:52,040 Speaker 3: I want to be at this or I want to 1094 00:43:52,080 --> 00:43:53,920 Speaker 3: have this table and do this where then show off this. 1095 00:43:54,040 --> 00:43:57,120 Speaker 4: It's just it's so chaotic, it's so toxic. 1096 00:43:57,200 --> 00:43:59,960 Speaker 3: And just to separate thatself, Like I didn't have TV 1097 00:44:00,040 --> 00:44:02,200 Speaker 3: and I grew up, we had no cable, we had 1098 00:44:02,239 --> 00:44:04,440 Speaker 3: no we had little money ors to even like put 1099 00:44:04,440 --> 00:44:07,680 Speaker 3: those thing on, and I didn't really care. I don't 1100 00:44:07,680 --> 00:44:09,160 Speaker 3: have CABLEE now I don't even have TV. I don't 1101 00:44:09,160 --> 00:44:11,919 Speaker 3: have YouTube, TV, nothing like that. I have Masterclass, which 1102 00:44:11,960 --> 00:44:15,600 Speaker 3: is like basically educational software where you can have teachings 1103 00:44:15,640 --> 00:44:18,960 Speaker 3: on cooking, planting, educational businesses, how to do real estate, 1104 00:44:19,440 --> 00:44:21,560 Speaker 3: how to win at poker. Like it's really educational classes 1105 00:44:21,560 --> 00:44:24,680 Speaker 3: in every single aspect you can do. And that's why 1106 00:44:24,719 --> 00:44:26,640 Speaker 3: that's my YouTube. That's my education is right there. It's 1107 00:44:26,680 --> 00:44:31,360 Speaker 3: like I love those videos. I took one on was 1108 00:44:31,440 --> 00:44:33,360 Speaker 3: one of even want of like sex appeal. It was 1109 00:44:33,560 --> 00:44:36,080 Speaker 3: really cool tone like everything everything. I was like, Oh, 1110 00:44:36,120 --> 00:44:38,799 Speaker 3: I want to be educated, Like everything is so cool to. 1111 00:44:38,719 --> 00:44:39,279 Speaker 4: Just learn about. 1112 00:44:39,400 --> 00:44:40,960 Speaker 3: I'm like, oh, I had no idea this, or like 1113 00:44:41,200 --> 00:44:42,880 Speaker 3: even planting where it's like you see like the mall 1114 00:44:42,880 --> 00:44:44,919 Speaker 3: because I have to like feed your plants with these 1115 00:44:44,920 --> 00:44:46,760 Speaker 3: like notch and phosphate and like I've. 1116 00:44:47,280 --> 00:44:49,040 Speaker 1: Wait, now I know this. Yeah, but it's like if 1117 00:44:49,040 --> 00:44:51,399 Speaker 1: everything don't die, yeah, exactly, Like. 1118 00:44:52,520 --> 00:44:54,080 Speaker 4: It's just cool to have that knowledge. You never know 1119 00:44:54,120 --> 00:44:57,080 Speaker 4: when you're gonna need it in a situation. Yeah, And 1120 00:44:57,320 --> 00:44:58,480 Speaker 4: I guess that's why. Yeah. 1121 00:44:58,600 --> 00:45:01,120 Speaker 1: So you you've laid out some of the different financial 1122 00:45:01,160 --> 00:45:03,320 Speaker 1: goals that you've had, and you mentioned the master class 1123 00:45:03,320 --> 00:45:05,640 Speaker 1: on sex appeals, so maybe it made me think it 1124 00:45:05,680 --> 00:45:07,479 Speaker 1: think this direction, But like, what are some other goals, 1125 00:45:07,480 --> 00:45:08,759 Speaker 1: Like do you have really you watched that a long 1126 00:45:08,800 --> 00:45:13,239 Speaker 1: time ago. Down check out was the first time. Now, 1127 00:45:13,640 --> 00:45:15,680 Speaker 1: I guess I'm curious what are some of the other 1128 00:45:15,719 --> 00:45:18,160 Speaker 1: goals you might have in life, Like whether it's relational 1129 00:45:18,440 --> 00:45:22,360 Speaker 1: or social or physic Like you mentioned that fitness club 1130 00:45:22,880 --> 00:45:24,480 Speaker 1: that's like one of your you know, that's like your 1131 00:45:24,520 --> 00:45:26,359 Speaker 1: your craft beer equivalent where you're spending a lot of money. 1132 00:45:26,360 --> 00:45:28,680 Speaker 1: Obviously you're spending money on masterclass as well. You highly 1133 00:45:28,760 --> 00:45:32,160 Speaker 1: value personal development. What are some of the do you 1134 00:45:32,200 --> 00:45:35,200 Speaker 1: have other goals and other sort of arenas of life 1135 00:45:35,440 --> 00:45:39,919 Speaker 1: and are you pursuing those as much as you are 1136 00:45:40,000 --> 00:45:42,239 Speaker 1: with your finances or do you wish that you were 1137 00:45:42,280 --> 00:45:45,760 Speaker 1: pursuing those as ardently or do you Yeah, I'm curious 1138 00:45:45,800 --> 00:45:47,040 Speaker 1: if you look ahead and you're like, you know what, 1139 00:45:47,040 --> 00:45:48,879 Speaker 1: I'm gonna shift gears and at some point it's gonna 1140 00:45:48,880 --> 00:45:50,239 Speaker 1: it's gonna look a little bit different. No. 1141 00:45:50,320 --> 00:45:51,759 Speaker 4: Absolutely, And that's a great question as well. 1142 00:45:51,800 --> 00:45:54,560 Speaker 3: I think for me, like having all these like hats 1143 00:45:54,719 --> 00:45:56,799 Speaker 3: like you're referring back to, is like you know, your 1144 00:45:56,800 --> 00:45:59,719 Speaker 3: financial hat, or your your social hat, your social cues 1145 00:45:59,800 --> 00:46:02,239 Speaker 3: or like your fun money spends that you guys have 1146 00:46:02,360 --> 00:46:04,080 Speaker 3: in your in your buckets. It's kind of like my 1147 00:46:04,160 --> 00:46:07,080 Speaker 3: like my social spend or like last weekend, I was 1148 00:46:07,120 --> 00:46:09,080 Speaker 3: at a wine tasting for work, and so I was 1149 00:46:09,120 --> 00:46:11,799 Speaker 3: there for three hours and I got invited last minute, 1150 00:46:12,000 --> 00:46:15,239 Speaker 3: say Hey, there's a new bar that opened up. We'd 1151 00:46:15,239 --> 00:46:17,799 Speaker 3: love to come, like with' the DJ there, Like we're 1152 00:46:17,800 --> 00:46:19,319 Speaker 3: gonna go have a couple drinks, Like would you want 1153 00:46:19,320 --> 00:46:21,440 Speaker 3: to come and just like hang out with us, like 1154 00:46:21,440 --> 00:46:23,080 Speaker 3: I chis said, no, I was at a tasting for 1155 00:46:23,120 --> 00:46:24,919 Speaker 3: four hours in the blazing sun. 1156 00:46:24,960 --> 00:46:26,760 Speaker 1: It's like probably exactly. 1157 00:46:26,800 --> 00:46:28,480 Speaker 3: And it's like, or I can go and have some 1158 00:46:28,520 --> 00:46:30,560 Speaker 3: experience with my friends that one I can see them 1159 00:46:30,600 --> 00:46:32,719 Speaker 3: maybe maybe once a week, like we'll have a fun 1160 00:46:32,760 --> 00:46:35,560 Speaker 3: time and we'll just again just enjoy the town. And 1161 00:46:35,600 --> 00:46:37,360 Speaker 3: so like I did that as well, and then you 1162 00:46:37,440 --> 00:46:39,560 Speaker 3: get home pretty late. But also like I did a 1163 00:46:39,600 --> 00:46:41,040 Speaker 3: little bit of work. I did a little bit of fun, 1164 00:46:41,080 --> 00:46:42,840 Speaker 3: I delivered to play and a little bit education. So 1165 00:46:42,920 --> 00:46:45,399 Speaker 3: like people think that the work was like Monday through Friday. Well, 1166 00:46:45,400 --> 00:46:48,840 Speaker 3: with my job, I can tically go work Sunday through Sunday, 1167 00:46:49,200 --> 00:46:51,080 Speaker 3: and so why not just work all seven days a week. 1168 00:46:51,080 --> 00:46:53,879 Speaker 3: But it's like instead of you're nine to five, we're 1169 00:46:53,920 --> 00:46:57,239 Speaker 3: spending like five six hours of like continuous work, you 1170 00:46:57,280 --> 00:46:59,960 Speaker 3: do two hours of work each day. I don't mind, 1171 00:47:00,040 --> 00:47:02,279 Speaker 3: and wake up on a Saturday and like enjoying the 1172 00:47:02,280 --> 00:47:04,520 Speaker 3: game or hang out with friends and then like doing 1173 00:47:04,560 --> 00:47:06,919 Speaker 3: like working for two hours, or bringing my iPads some place, 1174 00:47:07,000 --> 00:47:08,279 Speaker 3: or like reading the book in the park and then 1175 00:47:08,480 --> 00:47:10,279 Speaker 3: doing a little emails, so like fixing up some work. 1176 00:47:10,280 --> 00:47:12,080 Speaker 3: So that way I can take my Monday's, my Tuesdays, 1177 00:47:12,080 --> 00:47:14,759 Speaker 3: my Wednesdays, and break the day off in half so 1178 00:47:14,800 --> 00:47:16,640 Speaker 3: where I can meet my my health calls. I can 1179 00:47:16,640 --> 00:47:17,880 Speaker 3: go to the gym in the morning every day, or 1180 00:47:18,120 --> 00:47:19,200 Speaker 3: I can go hang out with friends and go to 1181 00:47:19,280 --> 00:47:20,759 Speaker 3: the park, or I can grab a coffee with friends 1182 00:47:20,760 --> 00:47:22,880 Speaker 3: I haven't talked to you so long, it's or like 1183 00:47:23,200 --> 00:47:25,080 Speaker 3: call my family on the weekends and not be stressed 1184 00:47:25,080 --> 00:47:27,520 Speaker 3: out because work is all I'm thinking about, right, because 1185 00:47:27,520 --> 00:47:30,279 Speaker 3: it's part of my day life, Like my role is 1186 00:47:30,320 --> 00:47:32,080 Speaker 3: what I took on, Like I applied that job for 1187 00:47:32,080 --> 00:47:33,839 Speaker 3: a reason, Like I want to work because I believe 1188 00:47:33,840 --> 00:47:36,000 Speaker 3: in it, Like I work out because I believe in 1189 00:47:36,000 --> 00:47:37,520 Speaker 3: my body. I want to make it better. Like I 1190 00:47:37,600 --> 00:47:39,319 Speaker 3: love my friends and the social life because that's who 1191 00:47:39,320 --> 00:47:41,759 Speaker 3: I'm with. So why am I defining that to a 1192 00:47:41,880 --> 00:47:44,680 Speaker 3: day of a week that somebody just claimed it's now called. 1193 00:47:44,520 --> 00:47:45,960 Speaker 4: Monday, now called Tuesday. 1194 00:47:46,200 --> 00:47:47,879 Speaker 3: Twenty four hours in a day we have all the time, 1195 00:47:47,920 --> 00:47:50,920 Speaker 3: Like again, back to like time management, what do you value? 1196 00:47:51,040 --> 00:47:53,960 Speaker 3: And I think I value experiences and I only hear 1197 00:47:53,960 --> 00:47:55,720 Speaker 3: for so long, so I'm trying to live is exactly 1198 00:47:55,719 --> 00:47:57,440 Speaker 3: what I want to And yeah. 1199 00:47:57,280 --> 00:48:00,400 Speaker 2: All right, last question for you hard the hod of 1200 00:48:00,440 --> 00:48:02,160 Speaker 2: Money audience. You've been a part of the hod of 1201 00:48:02,160 --> 00:48:03,239 Speaker 2: Money audience for a long time. 1202 00:48:03,320 --> 00:48:03,520 Speaker 4: Yeah. 1203 00:48:03,560 --> 00:48:05,480 Speaker 2: So there's a lot of people out there listening who 1204 00:48:06,000 --> 00:48:08,840 Speaker 2: have heard your story and they've been listening to the 1205 00:48:08,880 --> 00:48:10,680 Speaker 2: same show you have, and they want to make progress 1206 00:48:10,719 --> 00:48:12,719 Speaker 2: with their money, right, They've got goals. It might look 1207 00:48:12,719 --> 00:48:15,360 Speaker 2: different from yours, but they're not terribly different, right, and 1208 00:48:15,400 --> 00:48:18,400 Speaker 2: in many ways they probably overlap. What's your advice to 1209 00:48:18,440 --> 00:48:20,560 Speaker 2: everyone out there? Like what what do you want them 1210 00:48:20,560 --> 00:48:22,200 Speaker 2: to know as they walk away from listening to this. 1211 00:48:22,600 --> 00:48:23,839 Speaker 4: That's a really good question as well. 1212 00:48:24,600 --> 00:48:26,840 Speaker 3: I would say, if I had one, it'd be to 1213 00:48:27,880 --> 00:48:30,400 Speaker 3: get out of your comfort zone and take risk. I 1214 00:48:30,400 --> 00:48:34,319 Speaker 3: don't know where I saw this from, but it was 1215 00:48:34,440 --> 00:48:35,919 Speaker 3: I think it was on a mass classic a YouTube 1216 00:48:35,960 --> 00:48:37,759 Speaker 3: video I was watching. It was just basically like, just 1217 00:48:37,800 --> 00:48:40,560 Speaker 3: take one risk a month. It might be financially, it 1218 00:48:40,640 --> 00:48:44,680 Speaker 3: might be nerve wracking, it might like give you the butterflies, 1219 00:48:44,719 --> 00:48:46,439 Speaker 3: but that's the risk that that you want to take. 1220 00:48:46,440 --> 00:48:48,120 Speaker 3: That's the leave you want to jump because you got 1221 00:48:48,160 --> 00:48:49,840 Speaker 3: to trust your gut at any day. Like I was 1222 00:48:49,920 --> 00:48:52,880 Speaker 3: so nervous. I couldn't eat, I couldn't sleep, I couldn't 1223 00:48:52,880 --> 00:48:55,000 Speaker 3: even eat before I signed those documents with the paper 1224 00:48:55,040 --> 00:48:57,520 Speaker 3: for the house and all the numbers look amazing, everything 1225 00:48:57,600 --> 00:48:59,680 Speaker 3: was like perfect. Like called it to a buddy as 1226 00:48:59,680 --> 00:49:01,920 Speaker 3: a hey, like do you is my math wrong? He 1227 00:49:02,000 --> 00:49:02,600 Speaker 3: is the mathmath thing. 1228 00:49:02,680 --> 00:49:03,920 Speaker 4: I don't know. I just want you to make sure. 1229 00:49:03,920 --> 00:49:05,880 Speaker 3: And he's like he's like, if you don't sign it, 1230 00:49:05,880 --> 00:49:10,759 Speaker 3: I'm gonna sign it right, okay. And it could be 1231 00:49:10,880 --> 00:49:14,000 Speaker 3: like a like shining gold one hundred percent positive and 1232 00:49:14,040 --> 00:49:16,160 Speaker 3: you still get that like nervous, but that's still a 1233 00:49:16,239 --> 00:49:20,400 Speaker 3: risk and you just gotta leap. And yeah, just just leap. 1234 00:49:20,640 --> 00:49:21,520 Speaker 3: You got to take the risk. 1235 00:49:21,920 --> 00:49:23,120 Speaker 1: Nice, you gotta go for it. 1236 00:49:23,160 --> 00:49:23,920 Speaker 4: You gotta go for it. 1237 00:49:24,000 --> 00:49:25,960 Speaker 1: Yeah. I think a lot of times, especially in our 1238 00:49:26,000 --> 00:49:29,279 Speaker 1: lives today, things are handed to us like there are 1239 00:49:29,280 --> 00:49:31,960 Speaker 1: these set worn paths and not to get to you know, 1240 00:49:32,200 --> 00:49:36,440 Speaker 1: philosophical or path less taken poetic perhaps, but it takes 1241 00:49:36,640 --> 00:49:40,160 Speaker 1: looking beyond those different paths, those well worn paths, and 1242 00:49:40,480 --> 00:49:43,680 Speaker 1: like considering something completely different, and whether that's a life 1243 00:49:44,160 --> 00:49:46,480 Speaker 1: very specific life experience that that has gotten you to 1244 00:49:46,520 --> 00:49:49,400 Speaker 1: that point, or whether that's just saying, you know what, 1245 00:49:49,440 --> 00:49:51,719 Speaker 1: maybe I will like sign up for masterclass and being 1246 00:49:51,800 --> 00:49:55,319 Speaker 1: encouraged by whatever their message is to say, you know, 1247 00:49:55,480 --> 00:49:57,520 Speaker 1: I am gonna try something new, but to be able 1248 00:49:57,520 --> 00:50:00,839 Speaker 1: to push ourselves in that way. But Nick, we appreciate you, yeah, 1249 00:50:00,880 --> 00:50:03,640 Speaker 1: taking the time to chat with us, share your story 1250 00:50:03,680 --> 00:50:07,040 Speaker 1: with not only us but listeners as well. And should 1251 00:50:07,080 --> 00:50:09,080 Speaker 1: we have Is Nick gonna kind of review the beer? 1252 00:50:09,120 --> 00:50:10,960 Speaker 1: I think you should? All right, So normally we do 1253 00:50:11,080 --> 00:50:13,359 Speaker 1: like the big Takeaway, but I feel like, yeah, Joel 1254 00:50:13,400 --> 00:50:14,800 Speaker 1: kind of sets you up to be able to provide. 1255 00:50:14,920 --> 00:50:17,399 Speaker 1: He provided the big takeaway on Big Takeaway to take 1256 00:50:17,480 --> 00:50:18,040 Speaker 1: those risks. 1257 00:50:18,080 --> 00:50:19,719 Speaker 2: Oh, I learned a lot in this episode. So the 1258 00:50:19,960 --> 00:50:23,239 Speaker 2: beer that we had on today was called Electric Jellyfish. 1259 00:50:23,280 --> 00:50:25,920 Speaker 2: I picked this up when I was in Austin, Texas. 1260 00:50:26,000 --> 00:50:29,799 Speaker 2: It's from a brewery called Pipehouse. So Nick, I know 1261 00:50:30,200 --> 00:50:31,800 Speaker 2: you like good beverages. What was your take on this? 1262 00:50:31,880 --> 00:50:35,640 Speaker 3: IPA, my friend, Electric Jellyfish, I don't have to give 1263 00:50:35,640 --> 00:50:38,680 Speaker 3: a smooth eight out of ten. Yeah, yeah, it's actually 1264 00:50:38,719 --> 00:50:43,160 Speaker 3: really nice it's well crafted, very smooth, and so has 1265 00:50:43,160 --> 00:50:45,279 Speaker 3: that like electric back back end. 1266 00:50:45,640 --> 00:50:47,240 Speaker 4: I guess that's what the name is for. It's actually 1267 00:50:47,239 --> 00:50:48,160 Speaker 4: really good. I enjoyed it. Yeah. 1268 00:50:48,200 --> 00:50:50,759 Speaker 1: Yeah, it's got like that fresh kind of fresher hot 1269 00:50:50,800 --> 00:50:52,960 Speaker 1: presence where it's got a little bit of that at 1270 00:50:52,960 --> 00:50:53,239 Speaker 1: the end. 1271 00:50:53,480 --> 00:50:53,840 Speaker 4: Yeah. 1272 00:50:53,960 --> 00:50:57,520 Speaker 1: Yeah, so hey, I'm here to party. Yeah this is 1273 00:50:57,560 --> 00:50:59,520 Speaker 1: a New England hazy jewel. You liked it, Yeah, I 1274 00:50:59,560 --> 00:51:01,120 Speaker 1: liked it too. I was I was gonna say like, 1275 00:51:01,200 --> 00:51:02,759 Speaker 1: it wasn't as lecture because I thought it was going 1276 00:51:02,840 --> 00:51:04,000 Speaker 1: to be though. I thought it was going to say 1277 00:51:04,200 --> 00:51:07,560 Speaker 1: that my tongue, and it didn't. So I just appreciate 1278 00:51:07,600 --> 00:51:09,440 Speaker 1: the fact that my mouth is intact. Maybe that's the 1279 00:51:09,440 --> 00:51:12,560 Speaker 1: difference between somebody who only drinks, not you don't only drink, 1280 00:51:14,400 --> 00:51:18,200 Speaker 1: but thanks over here crafting cocktails, which so you're at 1281 00:51:18,239 --> 00:51:20,120 Speaker 1: like wine tastings and things like that. What's like, what's 1282 00:51:20,120 --> 00:51:22,880 Speaker 1: like your drink, your your go to drink drink If 1283 00:51:22,880 --> 00:51:24,719 Speaker 1: you're at home and you're just like, man, I want 1284 00:51:24,719 --> 00:51:26,600 Speaker 1: to go home and enjoy drinking. 1285 00:51:27,080 --> 00:51:29,120 Speaker 3: Actually stayed away. It's crazy because I've been a bar 1286 00:51:29,200 --> 00:51:30,880 Speaker 3: to in for years. I've been a bar manager. 1287 00:51:31,040 --> 00:51:33,160 Speaker 1: Because you're surrounded by somebody around the day, you go 1288 00:51:33,280 --> 00:51:34,920 Speaker 1: home and you kind of like basically detox. 1289 00:51:35,040 --> 00:51:37,440 Speaker 3: Well, actually, I kind of switched my whole like perceptive 1290 00:51:37,480 --> 00:51:40,040 Speaker 3: of like the beverage industry. I actually been switching more 1291 00:51:40,080 --> 00:51:42,319 Speaker 3: to like the hamp beverages that THD drinks and so like, 1292 00:51:42,400 --> 00:51:45,360 Speaker 3: I have like a little drink. I have a friends 1293 00:51:45,400 --> 00:51:47,600 Speaker 3: and it's not alcoholics, So I feel like the health 1294 00:51:47,640 --> 00:51:49,719 Speaker 3: benefits are there. But also I can still wake up 1295 00:51:49,719 --> 00:51:51,800 Speaker 3: in the morning and have an amazing workout, right, I 1296 00:51:51,800 --> 00:51:53,920 Speaker 3: can still do work up with friends, and that's been 1297 00:51:53,960 --> 00:51:55,920 Speaker 3: like my main kick is these like TD beverages that. 1298 00:51:56,360 --> 00:52:00,880 Speaker 1: Yeah, right now, that's is nowadays. That's one of y'all's brands. 1299 00:52:00,960 --> 00:52:03,560 Speaker 3: Yeah, I work for nowadays and that's that's the brand 1300 00:52:03,640 --> 00:52:05,799 Speaker 3: I represent, and I love it. 1301 00:52:06,000 --> 00:52:07,600 Speaker 1: Do you think a big part of that is because 1302 00:52:07,880 --> 00:52:10,000 Speaker 1: there's less sugar? Like my wife and I we've been 1303 00:52:10,040 --> 00:52:11,840 Speaker 1: talking a lot about just the impact of sugar, so 1304 00:52:11,920 --> 00:52:14,359 Speaker 1: not only in our day to day diets and food 1305 00:52:14,400 --> 00:52:17,839 Speaker 1: and what we consume, but like, man, there's a whole 1306 00:52:17,840 --> 00:52:21,680 Speaker 1: lot of sugar when it comes in beer and alcohol. 1307 00:52:21,719 --> 00:52:23,600 Speaker 1: Does it get converted into sugar as well? Like once 1308 00:52:23,640 --> 00:52:25,520 Speaker 1: you consume it there's a whole lot of like master 1309 00:52:25,560 --> 00:52:29,800 Speaker 1: class nutritional science that I don't understand, but that's fascinating. 1310 00:52:30,120 --> 00:52:31,440 Speaker 1: Maybe you know there's less going on. 1311 00:52:31,480 --> 00:52:36,359 Speaker 3: In fact, alcohol is nine color caloriesion proteins, four carbohydroens, 1312 00:52:36,440 --> 00:52:38,520 Speaker 3: four fats of seven alcohol's nine, so. 1313 00:52:38,520 --> 00:52:43,719 Speaker 1: That's pretty weighty. Yeah, we're doing into ourselves and we 1314 00:52:43,719 --> 00:52:46,799 Speaker 1: need to change our ways, but it's so delicious, it's 1315 00:52:46,800 --> 00:52:47,160 Speaker 1: so good. 1316 00:52:47,400 --> 00:52:49,080 Speaker 2: All right, let's going to do it for this episode. Nick, 1317 00:52:49,080 --> 00:52:51,600 Speaker 2: thanks again for joining us, and yeah, I appreciate you 1318 00:52:51,600 --> 00:52:54,440 Speaker 2: sharing your story. Until next time, Best Friends 1319 00:52:54,440 --> 00:53:07,440 Speaker 1: Out, Best Friends Out,