WEBVTT - Real Talk on Investing in 2025 0:00:05.000 --> 0:00:08.799 Aba fam, It's time for the Baqa, and this week 0:00:08.800 --> 0:00:11.280 we're doing things a little bit different. I wanted to. 0:00:11.720 --> 0:00:15.200 We just had Chris Corinthians, the Finland guy, and now 0:00:15.280 --> 0:00:17.760 you're best friend as far as helping you figure out 0:00:17.800 --> 0:00:21.960 how to get your kids through college debt free, because 0:00:21.960 --> 0:00:23.880 I know we got parents of young kids on here 0:00:23.920 --> 0:00:26.680 and maybe college aged kids too, and y'all need to 0:00:26.760 --> 0:00:30.320 connect with Chris Corinthians asap. So I thought I would 0:00:30.360 --> 0:00:33.280 bring out my two favorite gems from this most recent 0:00:33.320 --> 0:00:38.120 episode for today's show. So I've got Chris's incredible spiel 0:00:38.440 --> 0:00:42.919 and really enlightening conversation about the scholarship process and how 0:00:42.960 --> 0:00:46.400 you can get funding not the traditional way of getting funding, 0:00:46.400 --> 0:00:50.120 which is through the federal loan system. And I also 0:00:50.280 --> 0:00:54.320 have Mark's take on investing in the era of you 0:00:54.360 --> 0:00:56.760 know who. So I want to play those for you now, 0:00:56.800 --> 0:00:57.880 and I hope you enjoy. 0:00:58.080 --> 0:01:02.720 You start off harassing me and you guys sticker, and 0:01:02.760 --> 0:01:03.920 you're talking about my logo. 0:01:04.080 --> 0:01:06.920 First of all, it's my show, damn it. Second of all, 0:01:08.240 --> 0:01:13.720 this is not better wallet ambition. Okay, ambition like that all? 0:01:14.959 --> 0:01:16.120 No, can't have it. 0:01:17.040 --> 0:01:22.399 Oh here's our buddy, Chris save me Chris new Chris, Hey, Chris. 0:01:22.040 --> 0:01:24.000 What is oh y'all doing? Family? 0:01:24.120 --> 0:01:27.360 Ooh at the baritone come through. 0:01:30.240 --> 0:01:32.680 I'm at my satellite office. My name is Chris Corinthian. 0:01:32.720 --> 0:01:36.000 I go by the Finlack guy and I worked in 0:01:36.160 --> 0:01:39.160 higher ed for almost twenty years. Most of that time 0:01:39.200 --> 0:01:41.640 was spent in the areas of the financial aid of 0:01:41.680 --> 0:01:46.120 financial literacy, and I'm coming up on a year actually 0:01:46.480 --> 0:01:50.640 doing this full time. So I was working at different 0:01:50.680 --> 0:01:54.560 universities for adult educators, at vacational technical schools and traditional 0:01:54.560 --> 0:01:56.760 four years. And during that time I used to see 0:01:56.760 --> 0:02:00.320 students that would drop out for lack of finances or 0:02:00.600 --> 0:02:03.680 you know, going to massive amounts of debt and still 0:02:03.760 --> 0:02:06.600 drop out or finish, but then still had this burden 0:02:06.680 --> 0:02:09.120 on them when they graduated. But there were other students 0:02:09.120 --> 0:02:11.080 that I saw that would actually go to school debt free. 0:02:11.360 --> 0:02:13.680 And then I just started studying over the years what 0:02:13.720 --> 0:02:16.840 were the specific habits that they had which allowed all 0:02:16.880 --> 0:02:20.120 of them from various backgrounds to graduate debt free. And 0:02:20.200 --> 0:02:23.359 so that was my focus that along with personal finance, 0:02:23.440 --> 0:02:27.120 you know, helping students and parents with the building blocks 0:02:27.120 --> 0:02:30.320 of personal finance, right just basic budgeting and how's credit 0:02:30.440 --> 0:02:33.240 established and how is it built? Things like that. But 0:02:33.320 --> 0:02:36.600 my focus now is just working with parents of students 0:02:36.639 --> 0:02:38.400 that are going to college or planning to go to 0:02:38.440 --> 0:02:40.640 college and showing them how to go to school without 0:02:40.800 --> 0:02:43.399 taking out student loans, without debt altogether. 0:02:44.760 --> 0:02:48.720 Oh damn, okay, Like what would tell us what's the secret? 0:02:49.200 --> 0:02:52.600 I mean, especially at the time latest when you don't 0:02:52.600 --> 0:02:54.639 know if you're going to have federal aid at all 0:02:54.800 --> 0:02:55.640 for education? 0:02:56.120 --> 0:03:00.919 Right, absolutely, So I'll give the the braw overview a 0:03:00.960 --> 0:03:03.119 strategy and then if we want so, we could dig 0:03:03.240 --> 0:03:07.080 deep into it. But there are certain there were several 0:03:07.160 --> 0:03:09.679 data out there saying that there's hundreds of millions of 0:03:09.720 --> 0:03:13.239 dollars over one hundred million dollars of unclaimed scholarships each year. 0:03:13.919 --> 0:03:16.080 So it's not that people are applying for scholarships and 0:03:16.080 --> 0:03:19.360 get denied, but it's just free money sitting out there 0:03:19.360 --> 0:03:22.200 for people to go to college and nobody's applying for it. 0:03:22.800 --> 0:03:26.400 And so that's the main foundation. So now that we 0:03:26.520 --> 0:03:29.800 have that, now, what's keeping people from applying for these scholarships? 0:03:29.840 --> 0:03:31.880 And most of the time is they don't know what 0:03:31.960 --> 0:03:34.000 to write about when it comes to essays. They don't 0:03:34.000 --> 0:03:37.280 know where to find these scholarships right, and they don't 0:03:37.320 --> 0:03:40.040 have a real strategy on how to apply for it, 0:03:40.120 --> 0:03:43.000 because some will apply for maybe five, ten, fifteen scholarships, 0:03:43.040 --> 0:03:45.280 get burned out and they'll say, I didn't win anything. 0:03:45.640 --> 0:03:48.320 It's not going to work for me, right, or some 0:03:48.360 --> 0:03:50.720 people think that I have to have little to no 0:03:50.920 --> 0:03:53.520 money or be of a certain demographic in order to 0:03:53.520 --> 0:03:55.920 get scholarships. But there are several types, and there are 0:03:56.160 --> 0:03:58.440 you know, merit based scholarships, which is a lot of 0:03:58.480 --> 0:04:01.000 the focus that we have when we work with our 0:04:01.040 --> 0:04:04.920 parents and students as well as other scholarships. But we 0:04:04.960 --> 0:04:07.640 don't even focus necessarily on the federal funding. So if 0:04:07.640 --> 0:04:11.200 it's here, if it's not, that's just a bonus when 0:04:11.240 --> 0:04:12.760 it comes to the type of money. So we look 0:04:12.760 --> 0:04:16.640 at institutional funding. We look at local scholarships where your 0:04:16.760 --> 0:04:20.760 least competitive scholarships will lie so with the school district, 0:04:20.760 --> 0:04:24.320 with your school, with different organizations and businesses, rooting for 0:04:24.400 --> 0:04:26.800 the hometown heroes or rooting for those students that are 0:04:26.839 --> 0:04:29.200 in their local community. And then when you have those 0:04:29.200 --> 0:04:32.160 specific majors that are your tied to, then it just 0:04:32.320 --> 0:04:35.840 brings down that competition barrier much lower and increases the 0:04:35.960 --> 0:04:39.080 chances of success. Now, the other thing is it's a 0:04:39.160 --> 0:04:42.880 numbers game and a law of averages game. Right, So 0:04:42.960 --> 0:04:45.359 if you apply for five scholarships and expect to go 0:04:45.360 --> 0:04:49.200 to schools that free, most likely you won't get any scholarships, right. 0:04:49.720 --> 0:04:51.560 And so one of the things I talk to students 0:04:51.600 --> 0:04:54.000 and parents about is applying for ten times the amount 0:04:54.040 --> 0:04:57.919 you need. So if you need fiftyeah, right exactly, and 0:04:57.960 --> 0:05:00.520 when you think, let's say you need fifty thousand dollars 0:05:00.520 --> 0:05:02.400 to go to school, you need to apply for five 0:05:02.520 --> 0:05:08.359 hundred thousand dollars in order to get the odds in 0:05:08.400 --> 0:05:11.680 your favor. Right. So if ninety percent of the scholarships, 0:05:11.720 --> 0:05:14.520 which most of the scholarships you apply for, will reject you, 0:05:14.520 --> 0:05:16.640 you'll get denied for most of the scholarships you apply for. 0:05:17.440 --> 0:05:20.040 And so we shoot for ten percent success rates. So 0:05:20.080 --> 0:05:22.520 if ninety percent of them say no, you're still good, 0:05:22.800 --> 0:05:25.200 and then apply for at least one hundred and so 0:05:25.279 --> 0:05:26.920 we do this thing where we do to today, and 0:05:27.400 --> 0:05:29.400 then that's the focus. If you have your. 0:05:29.360 --> 0:05:32.919 Essays, Chris, that sounds cherable. 0:05:33.720 --> 0:05:36.520 Yeah, I know, I know what the money that you're 0:05:36.520 --> 0:05:37.240 getting it back end. 0:05:37.520 --> 0:05:40.039 Yeah, But if you're there, so you're like there to 0:05:40.040 --> 0:05:44.520 hold their hand and like, yeah, coach them through that process, right, absolutely. 0:05:44.520 --> 0:05:46.400 But the hardest thing is just having your five essential 0:05:46.520 --> 0:05:49.720 essays because you usually use just the same five over 0:05:49.760 --> 0:05:51.560 and over again and just tweak a little bit of 0:05:51.560 --> 0:05:54.120 your story. And once you have that hardest part out 0:05:54.120 --> 0:05:56.359 of the way, then all you're doing is wash rents 0:05:56.360 --> 0:05:58.360 and repeating. You don't have to look for scholarships because 0:05:58.400 --> 0:06:00.600 you have them all there. Now you have your five 0:06:00.720 --> 0:06:03.640 essential essays, so all you have to do is copy 0:06:03.680 --> 0:06:06.719 paste and tweak, and so you might spend twenty thirty 0:06:06.720 --> 0:06:10.080 minutes a day just click, click send. You have everything 0:06:10.080 --> 0:06:12.280 in the drive for you. So now you can spend 0:06:12.320 --> 0:06:14.520 twenty to thirty minutes a day and it's not overwhelming. 0:06:17.279 --> 0:06:20.160 Has how many of your clients are like, well, can 0:06:20.240 --> 0:06:22.120 I just get chat GPT to write this poet? 0:06:23.560 --> 0:06:26.320 So what's interesting is that when because I look, when 0:06:26.360 --> 0:06:29.880 chat GBT first came out, you could just put that 0:06:29.960 --> 0:06:32.080 in say hey, I'm going for this scholarship and boom, 0:06:32.120 --> 0:06:36.040 boom boom. But now chat has this failsafet where if 0:06:36.080 --> 0:06:38.240 you put it in there, it'll say, no, we can't 0:06:38.440 --> 0:06:43.840 respond for scholarship things. So now because what some people 0:06:43.920 --> 0:06:46.279 used to do is they say, Okay, here's my information, 0:06:47.080 --> 0:06:50.040 here's a scholarship, prompt write me an essay so that 0:06:50.120 --> 0:06:53.560 I can win this. Yeah. Right, But now most of 0:06:53.560 --> 0:06:56.240 the organizations are doing their AI check to see if 0:06:56.240 --> 0:06:59.160 you're using any type of AI to write your essays. 0:06:59.480 --> 0:07:01.760 So you do that, they'll catch you. And a lot 0:07:01.760 --> 0:07:04.919 of professors everybody's starting to see if you use any 0:07:04.960 --> 0:07:08.640 of those AI AI southward too. 0:07:08.600 --> 0:07:12.920 Get it Ooh okay, all right, hmmm, I mean that 0:07:12.960 --> 0:07:16.120 sounds incredibly useful. But like, as a business, how are 0:07:16.160 --> 0:07:18.000 you making money off? Because you got to you said, 0:07:18.000 --> 0:07:19.840 you've been in this for like a year. How are 0:07:19.880 --> 0:07:21.200 you supporting yourself? 0:07:21.240 --> 0:07:25.440 So glad you asked. So when I bring parents and 0:07:25.480 --> 0:07:27.760 students in, I assigned coaches to them. So one of 0:07:27.760 --> 0:07:30.120 my coaches, she went over a million dollars in scholarships, 0:07:30.720 --> 0:07:33.360 and so she helps them find the scholarship. She just 0:07:33.440 --> 0:07:36.160 uses a lot of the same procedures and spreadsheets and 0:07:36.200 --> 0:07:38.200 everything that she does, and then she's assigned to him. 0:07:38.360 --> 0:07:40.040 I have another guy, as a matter of fact, I 0:07:40.080 --> 0:07:42.320 met him in Fincon two. I have another guy who 0:07:42.360 --> 0:07:47.000 actually created a course specifically for writing scholarship essays. He's 0:07:47.000 --> 0:07:49.320 an English teacher, and then he says, there's a difference 0:07:49.400 --> 0:07:51.840 writing an English paper than it is for telling a story. 0:07:52.120 --> 0:07:54.080 And then he tucks them through the hero's journey and 0:07:54.120 --> 0:07:56.360 all these other things. And then he's assigned to him too, 0:07:56.920 --> 0:08:00.640 right and so, and then they have the modules and 0:08:00.680 --> 0:08:02.920 everything that they go through. But if they have questions, 0:08:03.080 --> 0:08:05.280 they meet with me weekly in a group coaching call, 0:08:05.560 --> 0:08:07.600 and then I answer any of their questions, find out 0:08:07.640 --> 0:08:10.520 update statuses along with the other two coaches. So that's 0:08:10.520 --> 0:08:12.560 how I get money. 0:08:12.800 --> 0:08:14.640 And then oh, they pay for the group coaches. 0:08:14.680 --> 0:08:16.720 They pay for the coaching and the individual coaches. They 0:08:16.760 --> 0:08:19.320 just pay for everything, and I'll walk them through and 0:08:19.360 --> 0:08:20.920 then I give them guarantees. So I said, if they 0:08:20.920 --> 0:08:22.680 don't go to school, that't free, and they get one 0:08:22.720 --> 0:08:27.000 hundred percent of their money back. Well yeah, because that's 0:08:27.080 --> 0:08:30.000 very generous, right, because up to a certain amount. So 0:08:30.640 --> 0:08:32.959 it's like they said, Okay, well my school's gonna be 0:08:32.960 --> 0:08:35.760 two hundred thousand dollars a year. I'm like, okay, well no. 0:08:38.360 --> 0:08:40.640 Which is like not I mean maybe not per year, 0:08:40.679 --> 0:08:45.160 but certainly like four years. Absolutely, Yeah, that's not unheard. 0:08:45.000 --> 0:08:48.840 Yeah, but no per year, per year, yeah, absolutely so. 0:08:48.840 --> 0:08:52.040 So so I take on all the risks, you know, 0:08:52.120 --> 0:08:53.920 as long as you do what you're supposed to do. 0:08:54.520 --> 0:08:55.800 And there are a number of things that they need 0:08:55.840 --> 0:08:57.560 to do to me, because it's not like, Okay, I 0:08:57.559 --> 0:08:59.000 don't do anything and I'm just going to go to 0:08:59.040 --> 0:09:00.680 school for free. But as long as they do the 0:09:00.679 --> 0:09:04.080 things they're supposed to do, then we take on all 0:09:04.160 --> 0:09:04.640 the risk. 0:09:06.280 --> 0:09:09.320 Okay, I'm gonna have to keep your number for when 0:09:09.520 --> 0:09:11.000 I'm sending my kids off the car. 0:09:11.200 --> 0:09:12.640 I got you, I got you. 0:09:13.520 --> 0:09:16.640 So normally you're talking to the parents directly and then 0:09:16.760 --> 0:09:19.040 they basically tell their kid, hey do this. 0:09:19.600 --> 0:09:21.760 Yes, So during the coach and call, is it with 0:09:22.000 --> 0:09:22.960 the parent or. 0:09:23.040 --> 0:09:25.959 The it's with the parent and then and the students 0:09:25.960 --> 0:09:28.040 sometimes so sometimes the parent and the student are on 0:09:28.400 --> 0:09:31.600 but a lot of times it's the parent that's going 0:09:31.640 --> 0:09:34.079 to make the student do it right because if the 0:09:34.080 --> 0:09:35.640 students trying to pay for coach and they're like I 0:09:35.640 --> 0:09:40.320 ain't gonna money, they were like, I ain't really doing this, 0:09:40.720 --> 0:09:43.080 or but the parent is just like, oh no, you're 0:09:43.120 --> 0:09:45.920 doing this because I ain't got the money. I don't 0:09:45.960 --> 0:09:47.679 have the money to pay for all of this, and 0:09:47.960 --> 0:09:49.920 you're gonna need to do it. And so far the 0:09:49.920 --> 0:09:51.520 students that have worked with us, that have done the 0:09:51.559 --> 0:09:53.040 work got to get scholarships. 0:09:54.760 --> 0:09:57.800 Well that's just yeah. I mean, I think that's such 0:09:57.840 --> 0:10:00.880 important work. And I remember, like and I went to school, 0:10:01.200 --> 0:10:03.560 there was so much more state aid available, Like I 0:10:03.559 --> 0:10:03.920 mean in. 0:10:03.880 --> 0:10:05.480 Georgia, I had the Hope scholarship. 0:10:05.720 --> 0:10:09.200 Did you go to school in Georgia, Chris, Yes, yes, yes, okay, yeah, 0:10:09.240 --> 0:10:11.440 so we had. I had Hope. But then my brother 0:10:11.440 --> 0:10:14.840 who's five years younger than me, behind me, he had 0:10:14.920 --> 0:10:17.960 Hope too, but it wasn't as generous by then. They 0:10:18.000 --> 0:10:20.120 had like made it tougher to qualify for the full 0:10:20.160 --> 0:10:23.160 benefit and like so he graduated with like fifty K 0:10:23.280 --> 0:10:25.160 of student loans and I graduated with eight. 0:10:25.640 --> 0:10:30.160 So I it was eighty percent of tuition, whereas Hope 0:10:30.200 --> 0:10:32.600 paid for everything. It's like, okay, we'll cover all of 0:10:32.640 --> 0:10:35.160 that for you versus eighty percent of just tuition and 0:10:35.200 --> 0:10:36.200 not the fees. 0:10:37.480 --> 0:10:38.040 Exactly. 0:10:38.280 --> 0:10:40.520 Yeah, And I mean I did things like work during 0:10:40.600 --> 0:10:43.000 college to pay for my housing. I didn't stay in 0:10:43.000 --> 0:10:46.040 the yard, I didn't pay for the food, the what 0:10:46.080 --> 0:10:49.600 do you call it the meal plan or like the 0:10:49.640 --> 0:10:54.200 housing man. But that that and especially going into my field, 0:10:55.040 --> 0:10:58.640 I studied journalism and I graduated during the recession, and 0:10:58.800 --> 0:11:03.240 I studied print journalism at that, like on paper, and yeah, 0:11:03.280 --> 0:11:07.520 I wasn't giving like gainful employment after college, and but 0:11:07.600 --> 0:11:10.080 thank goodness, I did not have like that much debt, 0:11:10.120 --> 0:11:14.560 because it really is like you're starting off your life. 0:11:14.640 --> 0:11:16.840 And the way that they talk about student loans too, 0:11:16.880 --> 0:11:19.880 it's almost as if, well, this isn't really debt. This 0:11:20.080 --> 0:11:23.600 is like they really do, and so you almost feel like, well, 0:11:23.640 --> 0:11:27.679 it's fine, it's totally fine, but no, it's it's real debt, right, 0:11:27.679 --> 0:11:29.800 be a family's take a quick break and be right 0:11:29.840 --> 0:11:33.600 back for Mark's investing tip of the week. You know, 0:11:33.640 --> 0:11:35.720 if you have any investing tips for this new era 0:11:35.880 --> 0:11:38.520 when there is so much volatility. I talked a little 0:11:38.520 --> 0:11:40.960 bit about, like on a previous episode with Chris, about 0:11:41.000 --> 0:11:45.119 how the American stock market is just so like so emotional, 0:11:45.559 --> 0:11:49.720 so fickle, and yeah it's constantly swinging. 0:11:49.760 --> 0:11:51.559 But now it's just like woom boom bick. A ping 0:11:51.600 --> 0:11:55.080 pong machine. A ping pong machine doesn't exist like a 0:11:55.080 --> 0:11:59.079 pinball machine. There you go, can you talk about that. 0:11:59.120 --> 0:12:01.160 I mean you must get that question from your investing 0:12:01.200 --> 0:12:02.640 community as well. 0:12:03.120 --> 0:12:03.360 Yeah. 0:12:03.440 --> 0:12:06.720 No, it's a it's a trying time, especially for anyone 0:12:06.720 --> 0:12:07.840 who's a long term investor. 0:12:07.880 --> 0:12:08.720 If you're putting money in. 0:12:08.679 --> 0:12:10.920 Your four to one K or your IRA, and you're 0:12:10.960 --> 0:12:14.559 investing for a long period of time, and you might 0:12:14.559 --> 0:12:19.400 see your value go up and go down by big percentages. 0:12:20.080 --> 0:12:23.280 I think what is most important is that you focus 0:12:23.320 --> 0:12:26.640 on what you can actually control, and that's make sure 0:12:26.640 --> 0:12:29.000 you're putting the money in, make sure you're putting as 0:12:29.080 --> 0:12:32.560 much money in, and then also controlling how much you're 0:12:32.559 --> 0:12:33.040 putting in. 0:12:32.960 --> 0:12:34.920 The stocks and bonds and everything else. 0:12:35.040 --> 0:12:37.920 Because what I see all too often is that people 0:12:37.960 --> 0:12:42.080 are putting the money into these individual stocks where you 0:12:42.120 --> 0:12:46.280 will see more volatility, or even sectors like technology or 0:12:46.280 --> 0:12:51.640 healthcare where you know Trump is directly attacking bull So 0:12:52.000 --> 0:12:54.800 you have to be careful on how you're alloying your money. 0:12:54.880 --> 0:12:57.160 And you want to own everything instead of just owning 0:12:57.360 --> 0:13:00.760 one or two companies or even five or ten. Instead 0:13:00.880 --> 0:13:03.840 just buy the complete market, buy the SP five hundred, 0:13:04.120 --> 0:13:06.400 and then that way you could participate in the growth 0:13:06.559 --> 0:13:09.880 of the I want to call it the capitalism in 0:13:09.920 --> 0:13:13.120 the United States. But it's basically that the growth in 0:13:13.480 --> 0:13:17.040 the companies that we see and hear about every single day, 0:13:17.720 --> 0:13:20.560 and on average it goes up, it goes up. So 0:13:20.720 --> 0:13:23.600 you will see that short term volatility. You get scared, 0:13:24.080 --> 0:13:26.400 but you kind of have to put your blinders on 0:13:26.520 --> 0:13:30.280 or you know, focus on the long term instead of 0:13:30.280 --> 0:13:32.600 focusing on the day to day because things are gonna happen, 0:13:33.040 --> 0:13:35.720 especially over the next four years. The news knows that 0:13:36.120 --> 0:13:38.160 if they put Trump in the headlines, people are going 0:13:38.200 --> 0:13:40.560 to click on it and it's gonna be whatever he 0:13:40.600 --> 0:13:43.960 did that day. So if you focus on hey, like, 0:13:44.000 --> 0:13:46.760 I'm gonna ignore that noise. I'm just going to focus 0:13:46.760 --> 0:13:49.200 on what I can control. You'll be fine over the 0:13:49.240 --> 0:13:52.520 next four years. But if you become an emotional investor, 0:13:52.520 --> 0:13:55.760 if you are an emotional investor and you're making short 0:13:55.840 --> 0:13:58.800 term decisions for a long term portfolio, you will find 0:13:58.840 --> 0:14:02.000 yourself not all too happy with yourself in five to 0:14:02.040 --> 0:14:05.840 ten years when we see possibly less volatility. 0:14:06.960 --> 0:14:13.400 Yeah, thinking about my Peloton stock from twenty twenty. 0:14:12.080 --> 0:14:13.720 Some people don't jump into it. 0:14:14.040 --> 0:14:17.120 They have the house. Listen, we were just in the house. 0:14:17.160 --> 0:14:17.840 I had money. 0:14:17.960 --> 0:14:19.360 I was just like, I'm going to play with it, 0:14:19.440 --> 0:14:21.640 and I realized I don't even like to play with money, 0:14:21.680 --> 0:14:24.840 even if I have technically money to lose extra play money. 0:14:24.880 --> 0:14:26.760 No, I don't like it. I should have just put 0:14:26.800 --> 0:14:29.160 it in the dam vtax V stacks. 0:14:29.280 --> 0:14:31.400 What's it called VT stacks? 0:14:31.640 --> 0:14:35.400 VT stacks? Yeah? 0:14:35.520 --> 0:14:38.720 Well, thank you, Mark, I'm better wallet for that investing guidance. 0:14:38.840 --> 0:14:40.480 And where can people find out more about? 0:14:40.520 --> 0:14:41.280 You have your course? 0:14:41.800 --> 0:14:47.360 Yeah, so it's called financially a bulletproof investing program. 0:14:47.440 --> 0:14:48.800 So we have that. 0:14:49.080 --> 0:14:52.680 Basically, when you graduate from high school or even when 0:14:52.680 --> 0:14:55.960 you made your first dollar, you probably had no clue 0:14:56.000 --> 0:14:58.160 what to do with your money. And imagine if you 0:14:58.160 --> 0:14:59.880 had an actual program, they will tell you, from bu 0:15:00.680 --> 0:15:03.160 to paying off debt, to expense planning to all the 0:15:03.160 --> 0:15:05.840 way to estate planning, what you should be doing with 0:15:06.040 --> 0:15:07.480 their money, even tax management. 0:15:08.240 --> 0:15:10.440 So when I spent so much. 0:15:10.280 --> 0:15:12.720 Time in corporate finance, I said, I want to build 0:15:12.760 --> 0:15:15.960 a program that streamlines everything for everyone and makes a 0:15:16.040 --> 0:15:18.840 complete roadmap from A to Z on what you should 0:15:18.880 --> 0:15:19.880 be doing with your money. 0:15:19.880 --> 0:15:22.320 It comes along with my help as well, so we 0:15:22.400 --> 0:15:22.720 have that. 0:15:22.760 --> 0:15:25.880 We have a community of over two thousand at this 0:15:26.000 --> 0:15:27.720 point in their launch. 0:15:27.760 --> 0:15:28.640 It a few years ago. 0:15:29.160 --> 0:15:31.880 But if you're just saying, hey, that's great, but I 0:15:31.920 --> 0:15:33.960 want to just start with a bare minimum. I just 0:15:34.000 --> 0:15:37.040 want to learn how to invest. I've helped over one 0:15:37.080 --> 0:15:40.200 hundred thousand people invest in the stock market over the 0:15:40.240 --> 0:15:44.280 last three years. So I hold these monthly classes where 0:15:44.360 --> 0:15:46.840 we bring people in, we teach them, again from A to. 0:15:46.880 --> 0:15:48.320 Z, how to go about investing. 0:15:49.080 --> 0:15:50.680 And if you choose to want to partner with me 0:15:50.800 --> 0:15:52.200 down the road, you could do that as well. 0:15:53.120 --> 0:15:54.920 All that is in link in violence. 0:15:55.040 --> 0:15:58.600 Yeah, well link in our show notes, because again it's 0:15:58.680 --> 0:16:01.320 broad ambition podcasts amazing. 0:16:02.200 --> 0:16:02.520 Yea. 0:16:04.280 --> 0:16:08.520 I love you, Mark. I want your money. I mean 0:16:08.720 --> 0:16:10.080 I want you to get your money. 0:16:10.200 --> 0:16:13.400 And I hope that whoever you know, whoever owes you 0:16:13.400 --> 0:16:16.240 that money like gives it to you. Now me my 0:16:16.360 --> 0:16:20.920 debts a Woodruff Santos always pays her debts and I 0:16:20.960 --> 0:16:25.200 have none to you, ahem, So you know you're welcome. 0:16:25.880 --> 0:16:27.800 Think about all the free airtime I gave you on 0:16:27.800 --> 0:16:28.520 this platform. 0:16:28.600 --> 0:16:30.600 Do you know what I mean? Free advertising? 0:16:32.800 --> 0:16:33.920 Free joking? 0:16:34.080 --> 0:16:37.760 I'm joking, Chris, you would you would talk to me 0:16:37.800 --> 0:16:40.000 for an hour and a half regular, so might as 0:16:40.000 --> 0:16:41.600 well be on a you know what I mean. 0:16:41.520 --> 0:16:43.240 I would don't be don't be, don't be cool, too 0:16:43.280 --> 0:16:47.840 cool for this? You know you know I'm your sis. 0:16:48.040 --> 0:16:50.640 All right, guys, thank you so much for joining the 0:16:50.680 --> 0:16:57.720 Brown Table, for being for sharing with b a fan, 0:16:57.960 --> 0:17:00.400 for taking the time. I really appreciate it. I know 0:17:00.480 --> 0:17:02.480 y'all have you know all kinds of things going on, 0:17:02.560 --> 0:17:04.200 And thanks for being a part of my community. 0:17:04.240 --> 0:17:05.600 I hope be a fan. 0:17:05.680 --> 0:17:08.680 Listening to us talk it makes you want to reach 0:17:08.720 --> 0:17:10.920 out to that friend, that peer, that colleague who maybe 0:17:10.960 --> 0:17:12.240 you haven't heard from it in a while, and just 0:17:12.320 --> 0:17:15.280 check in on them, or better yet, tell them what's 0:17:15.320 --> 0:17:17.000 going on with you so that they. 0:17:16.840 --> 0:17:19.639 Can support you. And thank y'all so much. 0:17:19.520 --> 0:17:22.520 Thank you, thank you for having us. This is awesome. 0:17:25.280 --> 0:17:27.280 Oh we didn't do Brown Boost, Brown Break. Do you 0:17:27.320 --> 0:17:28.240 guys know that segment of that? 0:17:28.320 --> 0:17:31.280 That's what I was saving. I always forget show. 0:17:31.080 --> 0:17:34.320 For Oh, let's do it really fast? Do you know 0:17:34.359 --> 0:17:36.320 Brown Booth, Brown Breakmark? Do you listen to the show? 0:17:36.800 --> 0:17:38.640 I have listened. 0:17:38.240 --> 0:17:42.960 To a lot of your faith, man, but never till 0:17:43.000 --> 0:17:46.840 the end, never to the end, never till the end. 0:17:48.760 --> 0:17:51.280 So normally it's like at first, like ten to fifteen 0:17:51.320 --> 0:17:53.360 minutes especially if you send one. 0:17:56.040 --> 0:17:58.440 I don't got time to be individually promoting my show 0:17:58.440 --> 0:18:00.760 to you. All right, Well, brown booths break is either 0:18:00.800 --> 0:18:03.080 something that you are, like a resource or a tool, 0:18:03.160 --> 0:18:05.240 or something you're excited about, or something in the situation, 0:18:05.280 --> 0:18:07.960 like something in the world that you're really annoyed by. 0:18:08.119 --> 0:18:11.480 It could be tariffs, it could be a new It 0:18:11.480 --> 0:18:14.720 could be some guy who like sideswiped your car, you 0:18:14.760 --> 0:18:16.520 know in the parking lot. 0:18:17.520 --> 0:18:19.800 M so annoyed. And what was the first one? 0:18:20.200 --> 0:18:23.080 Brown boost is good? Brown break is something bad? We 0:18:23.119 --> 0:18:24.320 want to like get off our chest. 0:18:24.960 --> 0:18:29.040 M Okay, Chris is prepared, so start. 0:18:29.000 --> 0:18:31.240 Okay, all right, bron boost Brown break time, Chris, go 0:18:31.480 --> 0:18:32.320 what's your bron boost? 0:18:32.880 --> 0:18:34.879 So I guess it's one of the same, right, So 0:18:35.200 --> 0:18:40.280 the brown break is that you know they're potentially federal 0:18:40.320 --> 0:18:43.520 funds to pay for college could go away, right, which 0:18:43.520 --> 0:18:46.520 will be a lot to make happen. But it was 0:18:46.560 --> 0:18:48.719 put out there, right, so who knows what the powers 0:18:48.720 --> 0:18:50.439 that be are doing behind the scenes to make that 0:18:50.480 --> 0:18:53.280 a reality. But the boost is that you don't have 0:18:53.359 --> 0:18:54.920 to rely on that. There are things that you can 0:18:54.960 --> 0:18:58.240 do if you plan accordingly to put yourself in the 0:18:58.280 --> 0:19:01.040 best position to still go to school without debt, without 0:19:01.080 --> 0:19:03.919 student loans, and even if you don't get those federal grants, 0:19:03.920 --> 0:19:07.280 you could get stuff otherwise. So that's my brown boost 0:19:07.320 --> 0:19:07.920 brown break. 0:19:10.040 --> 0:19:12.200 Okay, so you're boosting yourself because we need to put 0:19:12.240 --> 0:19:16.720 the link to your book and to your program because 0:19:17.040 --> 0:19:20.040 you actually and there's not like a one size fits 0:19:20.080 --> 0:19:22.520 all approach to like getting scholarships. It depends on like 0:19:23.119 --> 0:19:27.000 all your persons, like your personality, your focus, your education, whatever, 0:19:27.040 --> 0:19:29.400 whatever you're looking for where you live. So we got 0:19:29.440 --> 0:19:33.760