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

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Speaker 1: Matt and today we're discussing waking up early and intentional

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Speaker 1: living with five Am Joel. Yeah, Joel, this is gonna

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Speaker 1: be a good one man. Our friend Joel is joining

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Speaker 1: us for this episode. We we both met Joel last

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Speaker 1: year at a personal finance conference and we immediately bonded

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Speaker 1: with him over a mutual love of craft beer and

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Speaker 1: the love of the name Joel. Right, I hate that

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Speaker 1: name actually, just kidding, but yeah, we both love craft beer.

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Speaker 1: And we also bonded over just talking about nerdy money

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Speaker 1: things like investing in real estate, financial independence, things like that.

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Speaker 1: But like the title of this episode, hens at, Joel

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Speaker 1: has been waking up early for years now, and we're

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Speaker 1: really excited to talk through how that has impacted him personally,

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Speaker 1: as well as some practical tips on how a night

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Speaker 1: owl like myself can it can start waking up early. Also,

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Speaker 1: he sends out a special email every morning when he

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Speaker 1: gets up, so we're gonna get to that too. So Joel,

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Speaker 1: thanks so much for coming on the podcast. Thanks very

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Speaker 1: much for having me. Guys. Hey, we're glad to have

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Speaker 1: you Joel. It's been too long. Since we've hung out

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Speaker 1: in person. But I'm glad we get to chat right now. Yeah,

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Speaker 1: me too. Yeah. So every every episode, Matt and I

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Speaker 1: we drink a craft beer, which I know you're you're

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Speaker 1: fond of as well. And today on the show, we're

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Speaker 1: drinking a beer called black House by Modern Times and

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Speaker 1: big thanks to my buddy Craig, who is a brewer

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Speaker 1: there actually, and since some beers our way. So with

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Speaker 1: that in mind, the fact that we drink an awesome beer, Joel,

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Speaker 1: the reason we do that is because we're prioritizing something

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Speaker 1: that we care about today, something is really important to us,

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Speaker 1: while we're saving thoughtfully for the future. So what's your

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Speaker 1: explored its Like, what's your craft beer equivalent? Well, you're

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Speaker 1: not gonna like this, and I might get some backlash

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Speaker 1: from the FLA community, but my wife and I maybe

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Speaker 1: like three or four times a year we will spontaneously

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Speaker 1: buy flights to Vegas and go gamble for the weekend.

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Speaker 1: Oh that's a awesome. I feel like that's the definition

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Speaker 1: of splurge because it's just I think most people would

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Speaker 1: completely consider that just a total waste of money, definitely,

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Speaker 1: and like we're only a few minutes into the podcast,

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Speaker 1: and we've talked about drinking and gambling pretty in here.

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Speaker 1: It's only uphill from here, guys. But it's funny, like, um,

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Speaker 1: there's a lot of people trying to rid drinking and

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Speaker 1: gambling like out And as much as I've tried to

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Speaker 1: kill this from our like spending or like our annual spend,

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Speaker 1: I just can't do it because we have so much fun.

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Speaker 1: I'm going to budget for it and I'm going to

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Speaker 1: continue to do it, and uh, yeah, we love it

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Speaker 1: so Vegas, it is, say, awesome, Well, so let's continue

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Speaker 1: that beer talk for a second. You used to homebrew,

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Speaker 1: is that right? Yes? I used to homebrew. Nice. Yeah,

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Speaker 1: well so we get asked about that like a good amount,

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Speaker 1: just since we're beer lovers, but we don't brew beer ourselves,

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Speaker 1: just on average, Like how much money can brewing your

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Speaker 1: own beer save you? Oh, save you? Or cost you?

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Speaker 1: Because I think that a lot of people think that

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Speaker 1: going into the homebrew hobby is going to save the

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Speaker 1: money on beer, and yes, it kind of can, but

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Speaker 1: sometimes it can't. And I think with me, my homebrew

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Speaker 1: hobby turned into like an obsession, like I threw myself

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Speaker 1: into it. So instead of spending less money on beer,

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Speaker 1: I started spending more money on beer. But I calculated

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Speaker 1: all out, like, I can probably brew a beer if

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Speaker 1: I was bottling for about with all the ingredients and um,

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Speaker 1: all the equipment costs and not including time, for about

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Speaker 1: a dollar a beer would be like the sort of

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Speaker 1: the cheaper end, and with really good ingredients, I could

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Speaker 1: brew for about two dollars per beer. That's that's how

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Speaker 1: much of costs. It cost me about a hundred bucks

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Speaker 1: to make a really good beer, and that'd be fifty bottles.

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Speaker 1: It's about two bucks a beer. And when I started

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Speaker 1: kegging like a yeah, it's it's not bad, right, It's

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Speaker 1: still cheaper than drinking out, but um, you can buy

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Speaker 1: a decent craft like six pack for two bucks of

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Speaker 1: beer these days, I would say, don't you think? Yeah? Yeah,

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Speaker 1: I agree, and plus it probably here's one of my

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Speaker 1: biggest reasons for not getting into brew my own beer

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Speaker 1: is just the assumption that is going to take me

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Speaker 1: a long time to get good, So I'm gonna have

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Speaker 1: to drink a lot of bad beer for a long

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Speaker 1: time until I began to actually make decent tasting beers.

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Speaker 1: Was that the case for you? Yeah, it's both. Um,

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Speaker 1: if you make a bad batch, you're stuck with drinking

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Speaker 1: two cases of bad beer, and then the second is variety.

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Speaker 1: Like let's say, like you brew a pale ale, you've

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Speaker 1: gotta like it takes two weeks to brew, then it

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Speaker 1: takes four weeks to age in the bottles of the

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Speaker 1: keg or whatever just to make it taste good, and

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Speaker 1: then you only get stuck with, you know, two cases

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Speaker 1: of pale ale. That's it. And so with me, I

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Speaker 1: started to think, you know, instead of waiting six weeks

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Speaker 1: for a batch, how about I brew like a pale

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Speaker 1: ale and he avison and an I p A and

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Speaker 1: I could stagger them out so that like I'm brewing

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Speaker 1: each week and bottling every second week and like pulling

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Speaker 1: out a new beer every now and then. And that's

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Speaker 1: when I started to really like, at one point, I

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Speaker 1: had like eight different beers on the go, eight different beers.

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Speaker 1: This is like your own beers like on at once. Oh, simultaneously,

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Speaker 1: like I started a mini like microbrewery. I hit the

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Speaker 1: legal homebrew limit in two thousand fourteen. I brewed over

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Speaker 1: two hundred gallons of homebrew in my spare bathroom. Wow.

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Speaker 1: So you're you're cut off. Yeah, and I, uh, you know,

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Speaker 1: so I spent a lot of money on the ingredients

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Speaker 1: and stuff like that. Um. But also when you brew

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Speaker 1: your own beer, everyone wants to taste it. So out

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Speaker 1: of those two cases that you brew, you might maybe

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Speaker 1: drink a six pack or twelve of them, but the

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Speaker 1: rest go to your friends and your family because everyone

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Speaker 1: wants to try it. And uh, yeah, so it's expensive

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Speaker 1: just because you give away a lot. Yeah, it's it's

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Speaker 1: it's going to your friends. I feel like that's a

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Speaker 1: noble cause, right, absolutely. Well, kind of on that note,

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Speaker 1: when we first met, you were taking time off from work.

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Speaker 1: It's kind of I think when you first you know,

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Speaker 1: right around there is when you quit your job and

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Speaker 1: you were even looking into working for a brewery back then,

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Speaker 1: maybe even for free, like just for the experience. I

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Speaker 1: don't think that panned out for you. But can you

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Speaker 1: tell us, like, how did you get to that point

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Speaker 1: where you could take a planned year long sabbatical, because

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Speaker 1: that's what you had planned at the time, was just

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Speaker 1: for for a year. But yeah, can you share a

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Speaker 1: quick version basically of your of your money story? Yeah, yeah,

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Speaker 1: I guess we got to go all the way back

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Speaker 1: to my childhood because and at the time it was

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Speaker 1: so frustrating as a kid the rules and money stuff

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Speaker 1: that I learned and I didn't really understand. And then

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Speaker 1: later in life I look back and I'm like, man,

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Speaker 1: I'm so glad that I learned that crab. Yeah, a

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Speaker 1: lot of those from my parents. My parents told me

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Speaker 1: how to work hard. When I was little, I didn't

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Speaker 1: get an allowance. I had to do jobs around the house,

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Speaker 1: like during the week. This was like I had to

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Speaker 1: work really hard, and then on the weekend I could

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Speaker 1: do chores to earn money from my parents and they

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Speaker 1: would pay me five cents per chore that I would,

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Speaker 1: like you do for them. They just taught me a

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Speaker 1: really good work ethic. And when I was fourteen, I

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Speaker 1: started working at McDonald's and I worked all the way

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Speaker 1: through high school. In fact, I never stopped working until

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Speaker 1: I just got off work. There was no break after that. So, like,

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Speaker 1: my parents just taught me to work, work, work. The

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Speaker 1: other thing unique that my parents did was they taught

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Speaker 1: me that there was a cost to live. And so

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Speaker 1: they did this in like funny ways, Like as a

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Speaker 1: little kid, they would charge me if I was late

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Speaker 1: to school. So my mom worked out that it cost

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Speaker 1: her six dollars per day to send me to school.

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Speaker 1: Sorry if I work up late, and she didn't like

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Speaker 1: wake me up, So if I work up late and

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Speaker 1: arrival late to school and was marked as late, she

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Speaker 1: would charge me six bucks. And this was not negotiable.

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Speaker 1: When I was fourteen, yeah, I got a job and

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Speaker 1: my mom sat me down and said, cool, from now on,

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Speaker 1: you're buying your own clothes. Um, your pay for your

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Speaker 1: own gas when I drive you somewhere. If you want

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Speaker 1: a new skateboard when you take it in the movie

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Speaker 1: is like, whatever it is, you're paying. And then like

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Speaker 1: it kept getting worse and worse as I got older

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Speaker 1: in the high school, so it was I was seventeen

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Speaker 1: when my mom said, hey, when you graduate high school

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Speaker 1: the day after, I'm going to start charging you rent.

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Speaker 1: And I was so angry at the time. I was like, Mom,

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Speaker 1: this is so unfair, like no one else has to

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Speaker 1: pay rent to live in their own house. But yeah,

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Speaker 1: so my mom started charging me rent. And she also

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Speaker 1: made me cook dinner for the family once a week,

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Speaker 1: every single week, and if I didn't cook dinner, I

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Speaker 1: would have to pay for the family dinner, like fifty

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Speaker 1: bucks for a takeout or pizza or something like that.

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Speaker 1: So anyway, all these like harsh lessons of what I

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Speaker 1: thought was like such a you know, a tough childhood

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Speaker 1: was so cool because my parents were basically teaching me

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Speaker 1: how to be independent and how to live independent of them.

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Speaker 1: And so that's sort of like the model that I

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Speaker 1: got molded into. I just I knew it wasn't normal

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Speaker 1: because my friends weren't doing the same thing, but I

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Speaker 1: accepted it as what has to be done. Just obey

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Speaker 1: your errands, really, and I sort of trusted that I

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Speaker 1: would be okay. And then man, since then, it's just

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Speaker 1: like skyrocketed. My my wife and I right now are

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Speaker 1: really well set up. Um we we. I had a

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Speaker 1: really good savings rate for the last twenty years ever

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Speaker 1: since McDonald's. Really my income has always been more than

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Speaker 1: my expenses, and I've studied a lot about investing and

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Speaker 1: tried to become a good investor as well. My wife

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Speaker 1: and I now, so I'm thirty four and she's thirty two.

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Speaker 1: We're not financially independent in the true sense of the word,

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Speaker 1: if you want to look at calculations wise, but we

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Speaker 1: are so far along the path that we are. Um,

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Speaker 1: we are free and free in the truest sense of

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Speaker 1: the word. We can do whatever we want for the

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Speaker 1: rest of our life. And that's what all the harsh

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Speaker 1: lessons have taught me. So that's my overview. Well that

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Speaker 1: that's fascinating, Joel. I love that your parents, your mom

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Speaker 1: in particular, it sounds like played such an integral role

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Speaker 1: in how you came to view money and work too,

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Speaker 1: And so I guess you know, Matt mentioned your sabbatical

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Speaker 1: and how you you decided to take a year off

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Speaker 1: of work, with work having been such ingrained in you

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Speaker 1: two at since such a young age, as such an

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Speaker 1: important aspect of your life and of kind of saving

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Speaker 1: for the future. What was it like for you when

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Speaker 1: you quit your job? That must have been kind of

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Speaker 1: a jarring experience to a certain degree because it had

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Speaker 1: been so ingrained that you know what you're supposed to

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Speaker 1: be a worker. Yeah, it's so weird. I've had like

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Speaker 1: all these epiphanies since my time off. And actually that's

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Speaker 1: why I started blogging, because I was like, I don't

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Speaker 1: even know, like things are changing so fast. I've got

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Speaker 1: to document some of this stuff. So that I know

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Speaker 1: what I did this whole year off. I think at

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Speaker 1: first I felt a little bored because I was such

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Speaker 1: a hard worker, so I tried to like fill my

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Speaker 1: day with all of these activities. I had a few

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Speaker 1: investment projects that I threw myself into, so they kept

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Speaker 1: me busy for a while. I think I felt a

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Speaker 1: little guilty as well. Taking time off when you're supposed

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Speaker 1: to be working, or you think you're supposed to be working,

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Speaker 1: is difficult to do. It's like squirmy uncomfortable thing. You're

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Speaker 1: kind of just you're stuck with yourself all day. It's yeah,

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Speaker 1: it's so strange. And then after a while, you slowly relax,

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Speaker 1: you get you pick up other hobbies, you get really creative.

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Speaker 1: I don't know, you kind of just get used to it. Now.

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Speaker 1: I it's been probably twenty months. I was supposed to

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Speaker 1: just take a year off, but things have been going great.

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Speaker 1: I haven't really found out what my next move is yet,

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Speaker 1: and I don't want to rush into anything. So yeah,

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Speaker 1: now things are things are going really good. I've adjusted

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Speaker 1: pretty well to this no working lifestyle. By the way,

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Speaker 1: Joel doesn't he have like the best accent every Yeah?

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Speaker 1: Much better accent than this show. Talking out of Joe.

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Speaker 1: You should have your own podcast, man Us. Well, actually

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Speaker 1: I proposed this, I think when we met. I was like, Matt,

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Speaker 1: if you change your name to Joel all come on

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Speaker 1: as a third host and three podcast and that would

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Speaker 1: be hilarious. I see it. Well, well, here's the thing,

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Speaker 1: as your name applies, you've made it a rock solid

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Speaker 1: habit to wake up at five am every single morning.

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Speaker 1: How did all that start? You know, you mentioned your

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Speaker 1: mom charging you if you woke up late, Like, did

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Speaker 1: it start back then? No? No, Like, oh man, I

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Speaker 1: was such a grumpy kid. I used to love to sleep.

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Speaker 1: I've never been a morning person. My mom used to

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Speaker 1: like just try everything to encourage me to wake up early.

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Speaker 1: So no, never, starting my childhood, even through my twenties,

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Speaker 1: I've always been a night ow Like I love staying

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Speaker 1: up drinking, That's my whole thing. And then about three

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Speaker 1: years ago, I was actually at a late night party

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Speaker 1: with a friend. We were making fun of people that

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Speaker 1: got up early. We were like, yeah, and we're joking

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Speaker 1: about like so many responsible adults exactly, and then he

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Speaker 1: said something really surprising. He was like, Hey, you know

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Speaker 1: what I tried getting up at five am once. Yeah,

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Speaker 1: it's actually kind of awesome. And I was like what

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Speaker 1: we were like just dragging it, and he said no, um, yeah,

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Speaker 1: it's really really good. In fact, um, I got more

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Speaker 1: accomplished than I ever thought I would. It completely changed

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Speaker 1: my life. Yeah, it's awesome. And I was like, well,

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Speaker 1: if it's so awesome, why are you not doing it?

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Speaker 1: And he was like, oh, yeah, that's why because it's

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Speaker 1: extremely hard, and I thought, what really and yeah, and

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Speaker 1: so it's just sort of clicked. I was like, extremely

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Speaker 1: hard but extremely rewarding. That's a really good combination for me.

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Speaker 1: I want to try it. So the very next day

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Speaker 1: we we kind of like made a dare to each other.

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Speaker 1: I was like, all right, tomorrow morning, we're gonna get

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Speaker 1: up at five am. And um, I haven't stopped since.

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Speaker 1: Like we I went thirty days and then just kept going.

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Speaker 1: So that's how it started. And um man, it's been

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Speaker 1: it's just been such a cool lesson. So weird. Yeah,

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Speaker 1: so so Joe. Part of the reason I think we

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Speaker 1: wanted to have you on because it's start of a

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Speaker 1: new year and this is like one of those big

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Speaker 1: changes maybe that someone might decide to make at the

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Speaker 1: beginning of a new year, Right, I'm gonna start waking

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Speaker 1: up earlier to accomplish more, get more done, and you

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Speaker 1: feel better maybe even I don't know, So, like, what

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Speaker 1: are the biggest benefits you've realized from waking up at

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Speaker 1: five am? Every day? So I guess the reason that

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Speaker 1: I started and the reason that I keep going is

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Speaker 1: a little different. The reason that I started was, like

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Speaker 1: I said, it was like a dare and this was

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Speaker 1: the person I was three years ago. Like I was

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Speaker 1: a workaholic. So what I did when I first got

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Speaker 1: up in the morning is I worked. And I'd say

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Speaker 1: the first benefit that I noticed personally was I just

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Speaker 1: got way more stuff done, Just so much more stuff

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Speaker 1: accomplished within my day. When you wake up early, like

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Speaker 1: there's no distractions, no one's up, You've got like really

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Speaker 1: good mental clarity, so you can apply extreme focus to

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Speaker 1: individual tasks. I remember the three things that I was

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Speaker 1: doing almost every morning were reading. I wanted to read

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Speaker 1: more because I wanted to learn more, and your mind

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Speaker 1: is like a sponge in the morning. So I first started,

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Speaker 1: like I used to read maybe like two or three

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Speaker 1: books a year like most people. Now I'm crushing out

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Speaker 1: like two or three a month, so and it's just

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Speaker 1: twenty minutes a day consistently. So reading more, I started

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Speaker 1: working more. You get to like I get up at five,

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Speaker 1: it get to six am, and I'd be like, right,

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Speaker 1: it's time to start working. So I pull out my laptop,

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Speaker 1: I smash out replies to all the emails that I

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Speaker 1: had sitting in my inbox from the night before, and

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Speaker 1: I just like get onto planning my day, planning my meetings,

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Speaker 1: planning my calls, and just that benefited me like huge.

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Speaker 1: I was in sales, so like, the harder you work,

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Speaker 1: the more money you make. Direct correlation between working more

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Speaker 1: and making more money when in sales for sure. Well,

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Speaker 1: and then that's like probably added to my motivation as well.

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Speaker 1: When I saw that, I was like, hang on a second,

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Speaker 1: if I'm making more money getting up early, I should

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Speaker 1: get Like if you were paid to get up early,

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Speaker 1: you would do it too, right, So yeah, and then

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Speaker 1: and real estate as well, Like, man, I threw myself

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Speaker 1: into you could call it my side hustle if you want. Um.

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Speaker 1: I threw myself into real estate investing. So I started

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Speaker 1: studying and making phone calls and doing a lot of

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Speaker 1: research and putting bids on properties. So within the first

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Speaker 1: I think it was like ninety days of getting up

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Speaker 1: at five am, I had bought one investment property fully

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Speaker 1: while holding a full time job, as well as had

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Speaker 1: another one under contract as well. So it's a pretty

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Speaker 1: intense process. But like, if you get up early each

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Speaker 1: day and work a couple of hours on contracts or

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Speaker 1: whatever you need to do, you can get it done.

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Speaker 1: So yeah, productivity absolutely biggest benefit I saw. Well, Joel,

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Speaker 1: I mean, so since you, I mean you go buy

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Speaker 1: five am Joel online, Like that's the name of your site. Um,

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Speaker 1: do you feel that you're no longer allowed to sleep in? Right? Like?

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Speaker 1: How much of your identity is tied up into the name?

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Speaker 1: Because I mean, I'll say this, I'll share a quick example.

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Speaker 1: As a professional photographer, once I started shooting and once

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Speaker 1: I kind of put myself out there as a professional phtographer,

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Speaker 1: once I you know, I tied my name to that,

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Speaker 1: certainly I enjoyed it, but I did feel more, you know,

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Speaker 1: there's more pressure to take awesome photos and to kind

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Speaker 1: of always do that. And so how much of this

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Speaker 1: for you has affected your ability to to actually sleep in?

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Speaker 1: So are you asking if, like, I get up because

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Speaker 1: I have to. Now when till last time you broke

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Speaker 1: the rules and you slept in past five Oh, it happens.

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Speaker 1: It happens, and but it happens very rarely, and so yeah,

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Speaker 1: I guess five am. Joel dot Com was sort of like,

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Speaker 1: I'm just pick a name and roll with it. In hindsight,

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Speaker 1: it's probably bad because now, um, yeah, I I sort

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Speaker 1: of live with that identify identity and I have to.

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Speaker 1: But someone asked me the other day, like, if you

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Speaker 1: were the only person left in the world, we do

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Speaker 1: still get up at five am? And the answer is yes.

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Speaker 1: I's a great question, by the way, which I thought

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Speaker 1: of that. Yeah, And I actually I asked the question

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Speaker 1: for a lot of the things that I do. I

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Speaker 1: got it. Um. Derek Sivers did something recently along that question.

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Speaker 1: He said, if you were the last person on nurse,

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Speaker 1: would you do what you're doing? Like, would you create art?

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Speaker 1: Would you like what you do throughout the day You're

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Speaker 1: doing it for yourself or you're doing it for others?

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Speaker 1: And I get up at five am, it's it's like

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Speaker 1: purely a personal thing. I do it for myself, So yes,

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Speaker 1: I would continue to do it, and yeah, people tease me,

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Speaker 1: like if I sleep in, they like send me an

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Speaker 1: email and they're like, hey, you probably should be seven

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Speaker 1: am Joel or like, but the accountability is there, and

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Speaker 1: I actually like the accountability. If I sleep in and um,

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Speaker 1: I miss one of my morning emails, people notice and

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Speaker 1: I get right back on track. The next is there

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Speaker 1: is there anyone else keeping your accountable to have a

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Speaker 1: friend or did your wife join you in this endeavor?

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Speaker 1: So when I first started, yes, my body kept me accountable.

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Speaker 1: And that's one of the tips, like maybe i'll talk

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Speaker 1: about later, is like, yeah, get an accountability partner. If

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Speaker 1: you and I or if the three of us like

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Speaker 1: promised to get up at five am, we could just

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Speaker 1: text each other or each morning. If you don't respond,

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Speaker 1: I know you're sleeping in. So like it's a great

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Speaker 1: way to stay on track and stay motivated. My wife

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Speaker 1: is naturally blessed with the time management superhuman skills already,

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Speaker 1: so she doesn't need any more productivity and what like

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Speaker 1: everything that I do is just to bring me up

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Speaker 1: to her already awesome level. So I'll give my wife

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Speaker 1: a break. She can sleep in as much as she wants.

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Speaker 1: Nice nice. All Right, We've got so much more to

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Speaker 1: get to with you, Joel, including Yeah, we're gonna get

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Speaker 1: to in a little bit some of those specific tips

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Speaker 1: on how other people can take that idea of waking

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Speaker 1: up early, adding some productivity into their life, getting more accomplished,

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Speaker 1: and maybe just feeling better in general. I don't know

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Speaker 1: for waking up early. And you know what, maybe Matt

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Speaker 1: and I will give us give ourselves a challenge to

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Speaker 1: do that too later on. Yeah, but you're gonna have

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Speaker 1: to stay tuned until after the break to see if

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Speaker 1: that actually happens. Alright, we're back from the break and

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Speaker 1: we're talking with five am Joel. Let's dive into just

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Speaker 1: intentional living a little bit here, Joel. Anyone listening can

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Speaker 1: tell that you are really intentional with how you spend

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Speaker 1: your money, with how you spend your time, and so

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Speaker 1: let's kind of launch into a quick little anecdote here.

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Speaker 1: You recently wrote about dumping Amazon Prime. Why did you

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Speaker 1: make that decision? So it started out as like just

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Speaker 1: every year, I like sort of review our spending and

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Speaker 1: our subscriptions, and I just wanted to cut down on

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Speaker 1: like some of our subscriptions. So it started saying like

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Speaker 1: as a money saving technique, and Amazon Prime like it's

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Speaker 1: not that expensive. What is a hundred bucks a year

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Speaker 1: or something like that. Not much? Yeah, but I've been

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Speaker 1: a member for seven years, I think, so I started

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Speaker 1: thinking about, like what is the reason that I signed

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Speaker 1: up in the first place, and like is that reason

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Speaker 1: still valid today? And like what is what? Like really

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Speaker 1: what are the benefits? And they've got maybe like ten

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Speaker 1: or fifteen benefits to be a Prime member, but the

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Speaker 1: main ones for me are free shipping, fast shipping, like

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Speaker 1: two day delivery, and they've got that TV and movies

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Speaker 1: service as well, which is like a streaming thing. So

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Speaker 1: those are the really the only three relevant things. And

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Speaker 1: seven years ago they were huge unique benefits, like Amazon

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Speaker 1: was crushing it, so I loved it for you know,

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Speaker 1: eighty bucks or whatever the membership was, like this is wicked.

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Speaker 1: But today it's two thousand and twenty free shipping and

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Speaker 1: two days shipping. That's not unique anymore. Almost all big

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Speaker 1: retailers offer some type of fast shipping and almost free shipping,

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Speaker 1: like Walmart and Target and stuff like that. So that's

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Speaker 1: sort of just left the TV and movies, which, to

427
00:21:41,720 --> 00:21:44,800
Speaker 1: be honest, I'm trying to move away from watching more

428
00:21:44,960 --> 00:21:47,920
Speaker 1: TV and movies and stuff like that. So I thought,

429
00:21:47,960 --> 00:21:51,360
Speaker 1: you know what, I'm going to cancel Amazon Prime and

430
00:21:51,480 --> 00:21:53,760
Speaker 1: see how it goes. And by the way, there is

431
00:21:53,800 --> 00:21:56,639
Speaker 1: no risk at all to canceling your Prime membership, like

432
00:21:56,920 --> 00:21:58,640
Speaker 1: you just if you don't like it, just signed back

433
00:21:58,720 --> 00:22:00,600
Speaker 1: up the next day. There's no penalty to your fee.

434
00:22:00,640 --> 00:22:03,239
Speaker 1: They're not gonna get mad or increase the costs like

435
00:22:03,640 --> 00:22:06,720
Speaker 1: who cares, cancel it and then resubscribe. So anyway, I

436
00:22:06,760 --> 00:22:08,199
Speaker 1: just thought, you know what, I'm gonna do this as

437
00:22:08,240 --> 00:22:11,399
Speaker 1: a trial period. So before I did, I took some

438
00:22:11,480 --> 00:22:14,800
Speaker 1: notes on like my Amazon spend for two thousand eighteen,

439
00:22:14,880 --> 00:22:18,359
Speaker 1: two thousand seventeen, and I spent like maybe I know,

440
00:22:18,359 --> 00:22:20,680
Speaker 1: a thousand bucks a year, and then I paid the

441
00:22:21,119 --> 00:22:25,159
Speaker 1: annual subscription as well. And since I quit and that

442
00:22:25,280 --> 00:22:29,040
Speaker 1: was dumped it in two thousand January this year January

443
00:22:29,040 --> 00:22:31,480
Speaker 1: two thousand and nineteen, so it's been a full year

444
00:22:31,640 --> 00:22:35,240
Speaker 1: and I've spent about a hundred and twenty bucks with Amazon. Yeah,

445
00:22:35,240 --> 00:22:38,880
Speaker 1: so massive reduction in spending, which was the main goal.

446
00:22:39,440 --> 00:22:42,520
Speaker 1: But the funny thing is, like, actually the true goal

447
00:22:42,560 --> 00:22:45,080
Speaker 1: is this, Like my friends tease me because they're like, oh,

448
00:22:45,119 --> 00:22:47,200
Speaker 1: it's only a hundred bucks, and you're doing all this

449
00:22:47,280 --> 00:22:49,800
Speaker 1: like effort to save a hundred bucks. But the truth

450
00:22:50,000 --> 00:22:53,600
Speaker 1: is that the value wasn't there for me anymore. So like,

451
00:22:53,720 --> 00:22:55,960
Speaker 1: I don't care if it's a hundred bucks or ten

452
00:22:56,000 --> 00:22:58,640
Speaker 1: bucks or even one dollar. I don't want to pay

453
00:22:58,720 --> 00:23:02,480
Speaker 1: for something that doesn't ride me value. So yeah, unless

454
00:23:02,480 --> 00:23:05,480
Speaker 1: it's free, like yeah, I can live without it. So

455
00:23:06,000 --> 00:23:09,720
Speaker 1: that was the reason behind dumping Prime. Not only value too,

456
00:23:09,720 --> 00:23:12,320
Speaker 1: but oftentimes when you're subscribed to something like that or

457
00:23:12,359 --> 00:23:14,360
Speaker 1: we can have a membership, you feel forced to use

458
00:23:14,400 --> 00:23:17,360
Speaker 1: it more often, right, And so it's not only are

459
00:23:17,520 --> 00:23:20,199
Speaker 1: getting value from it, but it's actually potentially costing you

460
00:23:20,280 --> 00:23:24,040
Speaker 1: more money. Sure, And um, okay, So I spent a

461
00:23:24,080 --> 00:23:26,840
Speaker 1: thousand bucks with Amazon in two thousand eighteen and only

462
00:23:26,840 --> 00:23:29,800
Speaker 1: a hundred and twenties, so I probably spent more throughout

463
00:23:29,840 --> 00:23:33,720
Speaker 1: the year on other websites and services. But it forced

464
00:23:33,760 --> 00:23:36,240
Speaker 1: me to look at cheaper places. It forced me to

465
00:23:36,320 --> 00:23:38,880
Speaker 1: look at, you know, other places that offer the same

466
00:23:38,960 --> 00:23:42,320
Speaker 1: value for free, And um, that's the what I'm really

467
00:23:42,320 --> 00:23:45,280
Speaker 1: going for is not to do the lazy you know,

468
00:23:45,359 --> 00:23:46,960
Speaker 1: I'll pull out my phone and just add it to

469
00:23:47,000 --> 00:23:49,640
Speaker 1: my cart and buy it later. I think what he said,

470
00:23:49,640 --> 00:23:52,720
Speaker 1: I had like this obligation to spend with Amazon when

471
00:23:52,720 --> 00:23:55,120
Speaker 1: I was a Prime member. Now I don't. I can

472
00:23:55,200 --> 00:23:58,199
Speaker 1: shop wherever I want. Yeah, and joll, I love how

473
00:23:58,240 --> 00:24:00,439
Speaker 1: your kind of value focused. I think so many times

474
00:24:01,000 --> 00:24:05,399
Speaker 1: in the personal finance game, we get maybe too concerned

475
00:24:05,480 --> 00:24:08,879
Speaker 1: with a specific line item, uh, and we're not actually

476
00:24:08,880 --> 00:24:11,159
Speaker 1: concerned with the greater idea of how much value it

477
00:24:11,160 --> 00:24:13,240
Speaker 1: adds to our life and kind of assessing it in

478
00:24:13,320 --> 00:24:15,840
Speaker 1: that light. And I think if we kind of took

479
00:24:15,920 --> 00:24:18,600
Speaker 1: everything under a microscope with the lens of value, that

480
00:24:18,680 --> 00:24:20,720
Speaker 1: would help us make wiser decisions when it comes to

481
00:24:20,760 --> 00:24:23,840
Speaker 1: our money. You you also, I feel like since value

482
00:24:23,880 --> 00:24:26,840
Speaker 1: is your main priority when it came to taking time

483
00:24:26,840 --> 00:24:30,320
Speaker 1: off from your traditional job, that seemed to be the

484
00:24:30,359 --> 00:24:32,480
Speaker 1: way that you weighed that as well, right, because that

485
00:24:32,480 --> 00:24:35,280
Speaker 1: that is like way more than bucks. Like you're you're

486
00:24:35,320 --> 00:24:37,439
Speaker 1: getting rid of your entire salary and you're saying, you

487
00:24:37,440 --> 00:24:40,040
Speaker 1: know what, it's it's worth it value wise for me

488
00:24:40,119 --> 00:24:42,959
Speaker 1: to have this time off of work instead. So can

489
00:24:43,000 --> 00:24:45,400
Speaker 1: you kind of share what that process was like mentally

490
00:24:45,480 --> 00:24:47,800
Speaker 1: to say, you know what this the value I'm going

491
00:24:47,840 --> 00:24:50,840
Speaker 1: to derive from taking a year off of work is

492
00:24:51,320 --> 00:24:53,600
Speaker 1: ultimately going to be worth it for me? Yeah? What

493
00:24:53,680 --> 00:24:56,200
Speaker 1: was that proposition? Like, how how do you think through that? Yeah?

494
00:24:56,280 --> 00:24:59,200
Speaker 1: I mean, dude, you pretty much just described it right there.

495
00:24:59,240 --> 00:25:02,040
Speaker 1: But I us I'll say that I didn't really even

496
00:25:02,119 --> 00:25:06,080
Speaker 1: know it until I was halfway through my sabbatical. So, like,

497
00:25:06,640 --> 00:25:09,240
Speaker 1: this was one of the epiphanies that I had within

498
00:25:09,480 --> 00:25:12,200
Speaker 1: taking time off work. Before I took time off work,

499
00:25:12,240 --> 00:25:14,400
Speaker 1: it was purely a money thing. I only thought about

500
00:25:14,440 --> 00:25:18,720
Speaker 1: the cost, and I was even asking people and researching, like, hey,

501
00:25:18,760 --> 00:25:21,200
Speaker 1: how much does it cost to take a year off work?

502
00:25:21,680 --> 00:25:24,000
Speaker 1: And um, there are several things that were in my

503
00:25:24,040 --> 00:25:27,040
Speaker 1: head before I like handed in my letter of resignation.

504
00:25:27,400 --> 00:25:30,040
Speaker 1: The first was like the the income approach to taking

505
00:25:30,040 --> 00:25:32,359
Speaker 1: out a year off work. If you earn a hundred

506
00:25:32,359 --> 00:25:35,280
Speaker 1: thousand dollars a year as income and you take a

507
00:25:35,320 --> 00:25:38,960
Speaker 1: full year off, it like technically costs you a hundred

508
00:25:39,000 --> 00:25:41,639
Speaker 1: thousand dollars because you're going to miss that income, And

509
00:25:41,720 --> 00:25:43,679
Speaker 1: so that's one way to look at it. And that hurts,

510
00:25:43,800 --> 00:25:47,680
Speaker 1: like just thinking about that, like taking prime years off

511
00:25:47,720 --> 00:25:50,880
Speaker 1: in your thirties, like especially for a hard worker like myself.

512
00:25:51,280 --> 00:25:55,040
Speaker 1: Second was like the expense approach. I was like, Okay, well,

513
00:25:55,080 --> 00:25:57,600
Speaker 1: you know that's really potential income, So let's look at

514
00:25:57,640 --> 00:26:01,080
Speaker 1: the true cost of living for a whole year. So

515
00:26:01,119 --> 00:26:02,680
Speaker 1: I looked at all the things that my wife wanted

516
00:26:02,720 --> 00:26:04,800
Speaker 1: to do, my wife and I wanted to do, like

517
00:26:04,920 --> 00:26:07,919
Speaker 1: travel and eat out and all of this stuff, and

518
00:26:07,960 --> 00:26:09,960
Speaker 1: I calculated on and I was like, how much is

519
00:26:10,040 --> 00:26:12,560
Speaker 1: one year going to cost if I'm not working and

520
00:26:12,600 --> 00:26:15,560
Speaker 1: we're traveling around? And that was like, I can't remember

521
00:26:15,600 --> 00:26:17,119
Speaker 1: the number it was, Maybe it was like fifty tho

522
00:26:17,400 --> 00:26:20,040
Speaker 1: bucks or something like that. And even still, I'm like, oh,

523
00:26:20,080 --> 00:26:24,240
Speaker 1: with no income, spending that much money like that is

524
00:26:24,400 --> 00:26:26,840
Speaker 1: like going to hurt me throughout the year. I pulled

525
00:26:26,840 --> 00:26:30,119
Speaker 1: the trigger anyway, because I'm confident on our f I

526
00:26:30,280 --> 00:26:33,639
Speaker 1: numbers and stuff like that. And then I started to

527
00:26:33,840 --> 00:26:37,200
Speaker 1: relax a little bit, like money just flows in and

528
00:26:37,200 --> 00:26:40,880
Speaker 1: out of my life via like in through investments, out

529
00:26:40,920 --> 00:26:44,920
Speaker 1: through expenses. And after a few months with no income,

530
00:26:45,400 --> 00:26:47,840
Speaker 1: I started to like get used to the fact that

531
00:26:48,119 --> 00:26:51,560
Speaker 1: I'm okay with my cost of living, Like I've calculated

532
00:26:51,640 --> 00:26:54,120
Speaker 1: pretty well, and instead of thinking about how much everything

533
00:26:54,240 --> 00:26:57,000
Speaker 1: costs me, it's hurting me. I'm like, I'm negative about it.

534
00:26:57,400 --> 00:27:00,560
Speaker 1: I should start thinking about like the real value it's providing.

535
00:27:00,920 --> 00:27:03,119
Speaker 1: So it's funny I started to look at the word cost.

536
00:27:03,200 --> 00:27:05,720
Speaker 1: It's like such a negative thing, like when I when

537
00:27:05,720 --> 00:27:08,640
Speaker 1: you hear costs, you hear something that's taken away from

538
00:27:08,720 --> 00:27:12,720
Speaker 1: your life. You The words associated with are like penalty

539
00:27:12,920 --> 00:27:17,240
Speaker 1: and like bills or attacks or fear like stuff like that.

540
00:27:17,640 --> 00:27:20,600
Speaker 1: The word value is completely different and they sort of

541
00:27:20,640 --> 00:27:22,800
Speaker 1: mean the same thing. When you try to work out

542
00:27:22,840 --> 00:27:24,720
Speaker 1: the cost of something, really you just want to know

543
00:27:24,800 --> 00:27:27,199
Speaker 1: the value of it, like what is the value? What

544
00:27:27,359 --> 00:27:31,120
Speaker 1: is it's worth? The word value sounds like um, it's

545
00:27:31,160 --> 00:27:34,000
Speaker 1: like something that's in addition to your life that you

546
00:27:34,000 --> 00:27:37,080
Speaker 1: think about potential, like what is the advantage? What is

547
00:27:37,119 --> 00:27:39,600
Speaker 1: the like the benefit or like the profit from it,

548
00:27:39,640 --> 00:27:42,960
Speaker 1: Like what's the value of it? And when you think

549
00:27:43,000 --> 00:27:46,359
Speaker 1: about what the value of a year of work is

550
00:27:46,560 --> 00:27:49,960
Speaker 1: or year off work is, like it's a total shift

551
00:27:49,960 --> 00:27:54,080
Speaker 1: in mindset. And this year that I've had off is invaluable.

552
00:27:54,200 --> 00:27:58,280
Speaker 1: You can't buy it. It's like, yeah, so for me,

553
00:27:58,359 --> 00:28:00,760
Speaker 1: it's totally worth it. And my month the expenses like

554
00:28:00,800 --> 00:28:03,399
Speaker 1: whether it be a bill for insurance, or whether it

555
00:28:03,440 --> 00:28:06,760
Speaker 1: be go on Vegas with my wife splurging. Um, the

556
00:28:06,960 --> 00:28:09,560
Speaker 1: value is there, so for me, it's worth it every time.

557
00:28:10,320 --> 00:28:12,560
Speaker 1: And when you're looking at it just from the value standpoint,

558
00:28:12,680 --> 00:28:15,280
Speaker 1: you're looking at it through a filter of what it's

559
00:28:15,320 --> 00:28:17,320
Speaker 1: like to be human. When you're looking at the cost,

560
00:28:17,480 --> 00:28:19,560
Speaker 1: it's almost like saying, how much all this transaction costs me?

561
00:28:19,560 --> 00:28:21,760
Speaker 1: Whereas when you are looking at the value, you're that's

562
00:28:21,800 --> 00:28:24,399
Speaker 1: it's more of an experience. Yeah, that's a great way

563
00:28:24,440 --> 00:28:26,400
Speaker 1: to put it. If we wanted to cut down our

564
00:28:26,440 --> 00:28:29,680
Speaker 1: costs in life, if we wanted to really minimize everything,

565
00:28:30,160 --> 00:28:33,280
Speaker 1: we'd be bums living under the bridge. They've got no bills,

566
00:28:33,960 --> 00:28:38,680
Speaker 1: no expenses, and that that's it. And so you can

567
00:28:38,680 --> 00:28:40,520
Speaker 1: cut everything out of your life, or you can think

568
00:28:40,560 --> 00:28:42,920
Speaker 1: of it as like how what are the things that

569
00:28:42,960 --> 00:28:46,880
Speaker 1: are valuable to me? And how can I afford them?

570
00:28:47,040 --> 00:28:50,240
Speaker 1: And how can I just fill my life with valuable

571
00:28:50,320 --> 00:28:53,720
Speaker 1: things experiences and stuff like that? Not valuable it's like, yeah,

572
00:28:53,920 --> 00:28:58,959
Speaker 1: you know what I mean, not gold necessarily, Well, I

573
00:28:59,000 --> 00:29:00,479
Speaker 1: love that. I love that a pro it shall love

574
00:29:00,520 --> 00:29:03,160
Speaker 1: that mindset. But like practically speaking, like now that you

575
00:29:03,200 --> 00:29:05,560
Speaker 1: no longer have like your high paying jobs, Like, you

576
00:29:05,560 --> 00:29:07,479
Speaker 1: still have to be able to pay the bills, right, so,

577
00:29:07,600 --> 00:29:10,080
Speaker 1: like how are you and your wife able to support yourselves?

578
00:29:10,160 --> 00:29:12,360
Speaker 1: You mentioned real estate? Is that the main thing that

579
00:29:12,400 --> 00:29:14,600
Speaker 1: you guys are working on right now? Yeah? Real estate

580
00:29:14,840 --> 00:29:19,080
Speaker 1: U has always been my primary vehicle to like, you know, investing.

581
00:29:19,520 --> 00:29:22,560
Speaker 1: That started at a young age as well. Again sort

582
00:29:22,560 --> 00:29:25,360
Speaker 1: of going back to my parents, they bought an investment property.

583
00:29:25,360 --> 00:29:27,720
Speaker 1: It was their first investment property. I was eighteen at

584
00:29:27,720 --> 00:29:30,120
Speaker 1: the time, and my head dad came to me and

585
00:29:30,240 --> 00:29:32,200
Speaker 1: was like, Hey, we're going to buy this investment property

586
00:29:32,320 --> 00:29:34,800
Speaker 1: and you can like go in on it with us

587
00:29:34,840 --> 00:29:37,560
Speaker 1: if you want, so, like, yeah, I was interested, and

588
00:29:37,680 --> 00:29:41,400
Speaker 1: they're really mathematical about it. They said, cool, this house is,

589
00:29:41,720 --> 00:29:45,200
Speaker 1: uh this two thousand dollars and you can buy one

590
00:29:45,280 --> 00:29:48,880
Speaker 1: quarter of it, so that's fifty and you can You're

591
00:29:49,000 --> 00:29:52,480
Speaker 1: responsible for like a quarter of the down payment, You're

592
00:29:52,520 --> 00:29:55,200
Speaker 1: responsible for a quarter of the mortgage, a quarter of

593
00:29:55,320 --> 00:29:59,400
Speaker 1: the um you know, the expenses, the taxes, insurance, but

594
00:29:59,560 --> 00:30:02,560
Speaker 1: you will all to receive one quarter of the monthly

595
00:30:02,640 --> 00:30:06,200
Speaker 1: incoming rent. So that was sort of it was interesting

596
00:30:06,240 --> 00:30:08,320
Speaker 1: me and I was only eighteen. I was like, hell yeah,

597
00:30:08,560 --> 00:30:11,320
Speaker 1: and my parents are gonna like help me do this

598
00:30:11,520 --> 00:30:16,120
Speaker 1: shore so they yeah, so they got me interested in property,

599
00:30:16,120 --> 00:30:18,600
Speaker 1: and then like a year later they were like, hey, um, Joel,

600
00:30:19,120 --> 00:30:21,880
Speaker 1: why don't you buy another quarter, this time off of us.

601
00:30:21,920 --> 00:30:25,040
Speaker 1: So you'll own half of the property now and we'll

602
00:30:25,040 --> 00:30:27,400
Speaker 1: reevaluate it. You pay us a quarter as a down payment.

603
00:30:27,400 --> 00:30:30,640
Speaker 1: You assume, you know, half of the mortgage, taxes, insurance,

604
00:30:30,680 --> 00:30:34,040
Speaker 1: all that. And then also my mom sat me down

605
00:30:34,040 --> 00:30:35,560
Speaker 1: and was like, oh, yeah, by the way, now that

606
00:30:35,600 --> 00:30:38,600
Speaker 1: you're in half of this, you're managing the books. And

607
00:30:38,640 --> 00:30:41,680
Speaker 1: they made the property management company UM called me as

608
00:30:41,680 --> 00:30:45,080
Speaker 1: the primary property manager. And then yeah, she sat me

609
00:30:45,120 --> 00:30:47,880
Speaker 1: down and showed me how like cash flow works, which

610
00:30:48,240 --> 00:30:52,960
Speaker 1: was like, I mean, you can't buy education like that.

611
00:30:53,040 --> 00:30:55,880
Speaker 1: This is like true like thrown in the hot seat,

612
00:30:56,040 --> 00:30:58,800
Speaker 1: so and real estate. For me, it just it just

613
00:30:58,880 --> 00:31:01,640
Speaker 1: made sense, don't know. And then when I got to

614
00:31:01,680 --> 00:31:05,240
Speaker 1: the US. I was born and raised in Australia and

615
00:31:05,360 --> 00:31:08,440
Speaker 1: the rules are let's just say, stricter down there. So

616
00:31:08,480 --> 00:31:10,280
Speaker 1: when I got to the US and there's all these

617
00:31:10,360 --> 00:31:14,440
Speaker 1: like you can you could build wealth very quickly here

618
00:31:14,600 --> 00:31:17,040
Speaker 1: in the US, I just sort of went on a

619
00:31:17,040 --> 00:31:20,720
Speaker 1: bit of a rampage, particularly the last five years. Um,

620
00:31:20,720 --> 00:31:22,560
Speaker 1: when I moved to the US, I bought an apartment

621
00:31:22,600 --> 00:31:24,440
Speaker 1: in the city that I lived in. When I moved

622
00:31:24,440 --> 00:31:28,200
Speaker 1: to California, everything was too expensive, so I studied out

623
00:31:28,200 --> 00:31:31,240
Speaker 1: of state investing and that's when I really got interested

624
00:31:31,280 --> 00:31:35,360
Speaker 1: into multi family properties like duplexes and four plexes and

625
00:31:35,400 --> 00:31:38,040
Speaker 1: stuff like that. So, yeah, my wife and I sit

626
00:31:38,080 --> 00:31:42,000
Speaker 1: on a healthy size real estate portfolio that pays us

627
00:31:42,040 --> 00:31:45,200
Speaker 1: a little bit of dividends if you will. Um, We've

628
00:31:45,240 --> 00:31:48,640
Speaker 1: also got like a big cash pile that we're living

629
00:31:48,640 --> 00:31:51,480
Speaker 1: off that when that runs out, yeah, I'm going to

630
00:31:51,520 --> 00:31:54,840
Speaker 1: go back to work. So it's not unlimited money, but

631
00:31:54,960 --> 00:31:58,120
Speaker 1: that's how I'm surviving right now. Yeah. Well, I mean, yeah,

632
00:31:58,160 --> 00:31:59,640
Speaker 1: Matt and I were super in the real estate. We've

633
00:31:59,640 --> 00:32:02,240
Speaker 1: got our own own small real estate portfolios, mom and

634
00:32:02,240 --> 00:32:05,640
Speaker 1: pop style investors, and and we manage our own properties,

635
00:32:05,640 --> 00:32:07,960
Speaker 1: which can be a challenge at times. You know, we're

636
00:32:07,960 --> 00:32:10,640
Speaker 1: the ones getting the emails, getting the phone calls and

637
00:32:10,680 --> 00:32:13,440
Speaker 1: having to you know, having to find the person to

638
00:32:13,680 --> 00:32:17,280
Speaker 1: fix the issue or go fix it ourselves. So for you,

639
00:32:17,600 --> 00:32:20,400
Speaker 1: as someone who's kind of doing the out of state

640
00:32:20,480 --> 00:32:22,560
Speaker 1: landlording for the most part, and you have people kind

641
00:32:22,560 --> 00:32:25,400
Speaker 1: of managing that for you. How have you found that

642
00:32:25,680 --> 00:32:28,200
Speaker 1: has worked for you? And have you had any issues

643
00:32:28,240 --> 00:32:32,800
Speaker 1: come up? Yeah? So I think before I was had

644
00:32:32,840 --> 00:32:36,600
Speaker 1: property manager, I tried to manage things myself, and I

645
00:32:36,680 --> 00:32:39,800
Speaker 1: suck at managing tenants, So like, who goes to you guys,

646
00:32:39,880 --> 00:32:43,000
Speaker 1: because it requires a really unique set of skills that

647
00:32:43,120 --> 00:32:46,280
Speaker 1: I'm sure you have. So yeah, like I learned the

648
00:32:46,360 --> 00:32:50,120
Speaker 1: hard way that property management is definitely worth it. Um.

649
00:32:50,160 --> 00:32:53,080
Speaker 1: Actually a funny story I like tell, like because I'm

650
00:32:53,080 --> 00:32:57,440
Speaker 1: so nice, Like I would give away the farm truly, Like, Um,

651
00:32:57,480 --> 00:32:59,800
Speaker 1: this one of my tenants, she was this girl. She

652
00:32:59,880 --> 00:33:02,200
Speaker 1: was paying eight hundred bucks a month for one of

653
00:33:02,200 --> 00:33:05,880
Speaker 1: my apartments and her lease was coming up and the

654
00:33:05,920 --> 00:33:09,560
Speaker 1: apartment should have rented for about a thousand bucks a month,

655
00:33:09,640 --> 00:33:12,680
Speaker 1: so she was already like undermarket rent. We sat down

656
00:33:12,720 --> 00:33:15,560
Speaker 1: to work out like a new negotiation for at lease renewal,

657
00:33:15,920 --> 00:33:18,360
Speaker 1: and somehow, and I don't really know how how it happened,

658
00:33:18,400 --> 00:33:21,320
Speaker 1: but like somehow I walked away from the negotiation agreeing

659
00:33:21,360 --> 00:33:25,080
Speaker 1: to let her pay six fifty per month moving forward

660
00:33:25,120 --> 00:33:29,080
Speaker 1: on a new lease. So yeah, I just I love

661
00:33:29,160 --> 00:33:34,440
Speaker 1: giving all my profits away. So professional property management is

662
00:33:34,560 --> 00:33:38,920
Speaker 1: like I must have for me moving forward with everything

663
00:33:38,960 --> 00:33:42,560
Speaker 1: I do. Now here's a funny story, because I still

664
00:33:42,600 --> 00:33:45,840
Speaker 1: screw up all the time with professional property managers. Like

665
00:33:46,360 --> 00:33:48,360
Speaker 1: sometimes I'll talk to him, I'm like, so, how's it going,

666
00:33:48,440 --> 00:33:50,520
Speaker 1: what problems are you facing? Oh, how can I help you?

667
00:33:50,600 --> 00:33:53,200
Speaker 1: And I will mess up their business like that. I

668
00:33:53,240 --> 00:33:55,160
Speaker 1: pay them to do a job and then I screw

669
00:33:55,240 --> 00:33:58,440
Speaker 1: it up on top of that. The probably the biggest

670
00:33:59,000 --> 00:34:02,080
Speaker 1: thing that's happened with tenants and one of the biggest

671
00:34:02,160 --> 00:34:05,680
Speaker 1: lessons I learned. Actually, I had this one place that

672
00:34:06,480 --> 00:34:10,279
Speaker 1: was running so smoothly. The property manager didn't call me

673
00:34:10,400 --> 00:34:14,320
Speaker 1: for like a year. The tenant paid rent on time,

674
00:34:14,680 --> 00:34:17,640
Speaker 1: I never heard anything from them, and then one day

675
00:34:17,880 --> 00:34:20,200
Speaker 1: I got a phone call out of the blue. It

676
00:34:20,320 --> 00:34:23,799
Speaker 1: was from a private investigator and he said, hey, do

677
00:34:23,840 --> 00:34:27,240
Speaker 1: you own this property at blah blah blah address. I said,

678
00:34:27,560 --> 00:34:30,239
Speaker 1: yeah's everything all right? And he said, yeah, look, we've

679
00:34:30,280 --> 00:34:33,320
Speaker 1: been investigating and we have reason believe that your tenant

680
00:34:33,520 --> 00:34:37,400
Speaker 1: in there is running an illegal massage pilot and offering

681
00:34:37,520 --> 00:34:44,480
Speaker 1: prostitution services. And yeah, like my heart sank, that's not

682
00:34:44,560 --> 00:34:47,000
Speaker 1: the kind of car you want to get as a

683
00:34:47,200 --> 00:34:51,680
Speaker 1: property own My goodness, and so it's pretty interesting how

684
00:34:52,280 --> 00:34:55,759
Speaker 1: you want to not be involved in managing your properties,

685
00:34:55,800 --> 00:34:59,400
Speaker 1: but you also you need to be involved because you're

686
00:34:59,440 --> 00:35:04,759
Speaker 1: the one that holds the ultimate responsibility. So that was

687
00:35:04,800 --> 00:35:07,720
Speaker 1: a wake up call for me that, like, you can't

688
00:35:07,800 --> 00:35:10,760
Speaker 1: turn your back on your business no matter how many

689
00:35:10,800 --> 00:35:15,280
Speaker 1: tasks you outsourced to others. You have the ultimate responsibility

690
00:35:15,480 --> 00:35:20,240
Speaker 1: of double checking their work, and you're responsible when things

691
00:35:20,280 --> 00:35:23,200
Speaker 1: go wrong and they don't do their job. So yeah,

692
00:35:23,239 --> 00:35:26,799
Speaker 1: that was a that was a fun problem to solve. Um,

693
00:35:26,880 --> 00:35:30,279
Speaker 1: So there you go. Wow, that was I don't think

694
00:35:30,320 --> 00:35:32,719
Speaker 1: I've had some interesting real estate stories, but nothing that

695
00:35:32,760 --> 00:35:36,160
Speaker 1: comes even close to the terror of dealt with that yet. Yeah,

696
00:35:36,239 --> 00:35:38,120
Speaker 1: but the terror of receiving a phone call like that. Um,

697
00:35:38,120 --> 00:35:41,480
Speaker 1: but yeah, that's fascinating. Joel. We've got some more questions

698
00:35:41,520 --> 00:35:44,000
Speaker 1: for you, specifically about getting up at five am and

699
00:35:44,000 --> 00:35:45,839
Speaker 1: how Matt and I we want to know more about

700
00:35:45,880 --> 00:35:48,080
Speaker 1: how we can potentially incorporate that in our lives, especially

701
00:35:48,120 --> 00:35:49,840
Speaker 1: with kids, kids who are waking us up in the

702
00:35:49,840 --> 00:35:51,400
Speaker 1: middle of the night. And so we're gonna ask you

703
00:35:51,400 --> 00:36:03,920
Speaker 1: some questions in that vein right after this break. Al Right,

704
00:36:03,960 --> 00:36:06,480
Speaker 1: we are back from the break, and like the title

705
00:36:06,480 --> 00:36:08,920
Speaker 1: of this episode mentioned like we hinted at, so we're

706
00:36:08,960 --> 00:36:11,200
Speaker 1: going to talk about waking up early, and so joel

707
00:36:11,239 --> 00:36:13,880
Speaker 1: if if someone isn't used to waking up crazy early,

708
00:36:13,920 --> 00:36:16,080
Speaker 1: like like you do, what tips do you have for

709
00:36:16,160 --> 00:36:18,080
Speaker 1: folks who you want to start making this a part

710
00:36:18,120 --> 00:36:21,839
Speaker 1: of their everyday routine. Yeah, well, actually, let me first

711
00:36:21,840 --> 00:36:25,200
Speaker 1: by start by saying this, I'm still not used to it,

712
00:36:25,440 --> 00:36:31,759
Speaker 1: so like, l no, I'm being dead serious. So it's

713
00:36:31,760 --> 00:36:34,880
Speaker 1: been three years since I started getting up at five am,

714
00:36:34,960 --> 00:36:37,680
Speaker 1: and I thought that by now I'd be this magic

715
00:36:38,000 --> 00:36:41,040
Speaker 1: morning person, like wouldn't need an alarm, I just like

716
00:36:41,160 --> 00:36:44,560
Speaker 1: wake up, big smile on my face. But that hasn't

717
00:36:44,600 --> 00:36:49,080
Speaker 1: happened at all. The truth is it's like still extremely difficult.

718
00:36:49,120 --> 00:36:52,040
Speaker 1: So I have to have discipline and um a lot

719
00:36:52,080 --> 00:36:56,319
Speaker 1: of like self control to continue doing it. So there

720
00:36:56,440 --> 00:36:59,400
Speaker 1: is no like easy route to success. You can't just

721
00:36:59,480 --> 00:37:01,680
Speaker 1: make a quick change. You have to like just keep

722
00:37:01,719 --> 00:37:04,640
Speaker 1: going and going and going. So if you're ready to

723
00:37:05,040 --> 00:37:09,319
Speaker 1: like try the struggle, know that I'm still in the

724
00:37:09,400 --> 00:37:11,520
Speaker 1: struggle with you. If you want to sign up for

725
00:37:11,560 --> 00:37:15,279
Speaker 1: all this heartache, well, actually, it's so funny that you

726
00:37:15,320 --> 00:37:18,640
Speaker 1: say heartache because it does. It does kind of suck

727
00:37:18,960 --> 00:37:22,400
Speaker 1: every morning waiting up. But here's the cool thing. It

728
00:37:22,520 --> 00:37:27,239
Speaker 1: only sucks for like two minutes. And I think of

729
00:37:27,280 --> 00:37:30,760
Speaker 1: it this way, like two minutes of sucky nous for

730
00:37:31,040 --> 00:37:35,360
Speaker 1: two hours of awesomeness. Like it's actually a pretty cool

731
00:37:35,400 --> 00:37:37,399
Speaker 1: trade if you think about it. So, if I can

732
00:37:37,440 --> 00:37:40,680
Speaker 1: suffer through two minutes of hard times getting up, it's

733
00:37:40,760 --> 00:37:44,160
Speaker 1: literally like, um, a little bit cold, a little bit daisy,

734
00:37:44,239 --> 00:37:46,760
Speaker 1: I just need my coffee. And then once you break

735
00:37:46,760 --> 00:37:49,480
Speaker 1: through that two minute mark, you have like you're ready

736
00:37:49,520 --> 00:37:52,680
Speaker 1: to like do awesome stuff that morning. And it is

737
00:37:52,760 --> 00:37:56,520
Speaker 1: such a massive benefit. So what a great trade. Two

738
00:37:56,560 --> 00:38:00,359
Speaker 1: minutes of pain for two hours of gain. And that's

739
00:38:00,360 --> 00:38:02,440
Speaker 1: all trade that anyone should take, and I take it

740
00:38:02,680 --> 00:38:05,880
Speaker 1: every single day. So that's the way I think of it.

741
00:38:05,960 --> 00:38:08,680
Speaker 1: It's going in with a good mindset. If anyone wants

742
00:38:08,719 --> 00:38:10,759
Speaker 1: to try it, that's that's what you're in for. It's

743
00:38:10,840 --> 00:38:12,719
Speaker 1: going to be a sucky two minutes, but like an

744
00:38:12,719 --> 00:38:15,719
Speaker 1: awesome couple of hours. Yeah, you know, that's funny. I

745
00:38:15,760 --> 00:38:18,680
Speaker 1: don't know if it's encouraging or discouraging that it's still

746
00:38:18,680 --> 00:38:20,440
Speaker 1: hard for you when I think about it like that.

747
00:38:20,480 --> 00:38:22,560
Speaker 1: But I think when I think about what it's like

748
00:38:22,600 --> 00:38:25,080
Speaker 1: in my own life to do things that are really meaningful,

749
00:38:25,640 --> 00:38:28,640
Speaker 1: it doesn't Usually it doesn't get easier. Usually those things

750
00:38:28,680 --> 00:38:32,040
Speaker 1: that are meaningful continue to Like, I have to get

751
00:38:32,080 --> 00:38:34,879
Speaker 1: motivated to continue to do those things, even if it's

752
00:38:34,920 --> 00:38:37,560
Speaker 1: something that I've enjoyed doing or been doing for for

753
00:38:37,640 --> 00:38:42,080
Speaker 1: quite a while, like even just sometimes getting together to podcasts.

754
00:38:42,320 --> 00:38:45,160
Speaker 1: I love podcasting. It doesn't mean it's easy every time

755
00:38:45,160 --> 00:38:47,120
Speaker 1: we do it. It involves a lot of work and

756
00:38:47,160 --> 00:38:49,880
Speaker 1: a lot of bringing myself, my whole self to the process.

757
00:38:49,960 --> 00:38:52,560
Speaker 1: So that's yeah, I feel like that's really interesting. It's

758
00:38:52,560 --> 00:38:54,560
Speaker 1: really interesting to hear you say that. The the other

759
00:38:54,600 --> 00:38:57,400
Speaker 1: thing I'd add to that is, um, it's kind of like, um,

760
00:38:57,480 --> 00:39:00,280
Speaker 1: you can think of it as a compounding effect as well.

761
00:39:00,280 --> 00:39:02,680
Speaker 1: You can't just throw in like a thousand bucks in

762
00:39:02,680 --> 00:39:05,640
Speaker 1: the stock market and like hope that it doubles the

763
00:39:05,680 --> 00:39:07,640
Speaker 1: next year. It's not gonna it's gonna take time. So

764
00:39:07,680 --> 00:39:10,440
Speaker 1: you're like, you have to keep investing and keep investing,

765
00:39:10,480 --> 00:39:13,400
Speaker 1: and keep investing. And the truth is just like continuous

766
00:39:13,800 --> 00:39:16,600
Speaker 1: additions to what you're doing. That's what five am is

767
00:39:16,640 --> 00:39:19,120
Speaker 1: every day. So you can't just do it for thirty days,

768
00:39:19,239 --> 00:39:23,520
Speaker 1: and then your life is magically different. Afterwards, your life

769
00:39:23,600 --> 00:39:26,879
Speaker 1: is magically different if you keep trying to make it

770
00:39:27,000 --> 00:39:30,759
Speaker 1: magically different. So that's what it is every day. So

771
00:39:30,920 --> 00:39:33,400
Speaker 1: when when it comes to people with kids, Joel, like,

772
00:39:33,480 --> 00:39:36,200
Speaker 1: what do you tell them about waking up early? Because sometimes,

773
00:39:36,200 --> 00:39:37,839
Speaker 1: like Matt and I, we've got newborns and I'm waking

774
00:39:37,920 --> 00:39:39,759
Speaker 1: up in the middle of the night to to go

775
00:39:39,800 --> 00:39:42,399
Speaker 1: pop a pacifier in or you know what, honestly, it's

776
00:39:42,400 --> 00:39:43,640
Speaker 1: the four in the six year old that are waking

777
00:39:43,640 --> 00:39:46,080
Speaker 1: me up more than the newborn a lot these days.

778
00:39:46,120 --> 00:39:49,040
Speaker 1: But for somebody like that, like, what helpful thoughts can

779
00:39:49,040 --> 00:39:51,319
Speaker 1: you give to someone who has kids and and you know,

780
00:39:51,400 --> 00:39:54,360
Speaker 1: has a harder time because they aren't getting maybe the

781
00:39:54,400 --> 00:39:56,719
Speaker 1: good sleep that's required to make it, you know, even

782
00:39:56,760 --> 00:39:59,600
Speaker 1: that much easier to wake up at five am. Dude,

783
00:40:00,160 --> 00:40:02,920
Speaker 1: I have no good answer for that question because I

784
00:40:02,960 --> 00:40:06,160
Speaker 1: don't have kids. I really don't, and I don't I

785
00:40:06,200 --> 00:40:09,080
Speaker 1: can't even imagine how hard it is to have kids.

786
00:40:09,480 --> 00:40:13,000
Speaker 1: And quite honestly, like, one of the tips that I

787
00:40:13,120 --> 00:40:16,080
Speaker 1: have for waking up early is to try and get

788
00:40:16,200 --> 00:40:20,640
Speaker 1: enough sleep. So if you're already sleep, I don't recommend

789
00:40:21,040 --> 00:40:25,319
Speaker 1: trying to like make it worse. So yeah, I don't know.

790
00:40:25,480 --> 00:40:28,040
Speaker 1: Maybe when you've got a newborn, it's probably not the

791
00:40:28,120 --> 00:40:31,840
Speaker 1: right time to try a five am challenge, so that

792
00:40:32,040 --> 00:40:36,640
Speaker 1: that's as good as because at five am. Yeah, well,

793
00:40:36,680 --> 00:40:39,359
Speaker 1: I mean for Joel, based on you know, I've known

794
00:40:39,400 --> 00:40:41,839
Speaker 1: you for years and I get your emails, I read

795
00:40:41,840 --> 00:40:44,960
Speaker 1: them every morning. And for for me, I've tried to

796
00:40:45,360 --> 00:40:47,080
Speaker 1: kind of make an adjustment at least, and I've been like,

797
00:40:47,080 --> 00:40:48,520
Speaker 1: you know what, I know five am is not gonna

798
00:40:48,560 --> 00:40:50,879
Speaker 1: work for me. But I was waking up at six

799
00:40:50,960 --> 00:40:54,400
Speaker 1: forty when my kids woke up, and I knew that

800
00:40:54,440 --> 00:40:56,120
Speaker 1: I didn't like the way I'm at the day when

801
00:40:56,160 --> 00:40:58,279
Speaker 1: I woke up at six forty as my kids are

802
00:40:58,320 --> 00:41:00,960
Speaker 1: waking up, and so I set a goal for me

803
00:41:01,040 --> 00:41:03,520
Speaker 1: that felt reasonable, which was to wake up at six am.

804
00:41:03,560 --> 00:41:05,799
Speaker 1: So I love the idea of waking up at five am,

805
00:41:05,800 --> 00:41:07,440
Speaker 1: and maybe that'll be a reality at some point in

806
00:41:07,440 --> 00:41:09,520
Speaker 1: my life. But six am felt like, you know what.

807
00:41:09,600 --> 00:41:12,040
Speaker 1: I had the time to take a shower, to get dressed,

808
00:41:12,160 --> 00:41:14,799
Speaker 1: to have my coffee, and to do a little bit

809
00:41:14,800 --> 00:41:18,200
Speaker 1: of reading before everybody else kind of invaded my day

810
00:41:18,320 --> 00:41:21,279
Speaker 1: and that that's my time, and it's not five am, right,

811
00:41:21,280 --> 00:41:23,080
Speaker 1: but it's at least kind of what I can bring

812
00:41:23,120 --> 00:41:24,680
Speaker 1: to the table at this point in my life. So

813
00:41:25,400 --> 00:41:27,360
Speaker 1: you know, I'm so glad you said that because I

814
00:41:27,400 --> 00:41:30,160
Speaker 1: think when people challenge me on why do you think

815
00:41:30,200 --> 00:41:32,279
Speaker 1: I should get up at five am, I actually tell

816
00:41:32,360 --> 00:41:34,719
Speaker 1: him like, I don't care when the hell time you

817
00:41:35,040 --> 00:41:38,960
Speaker 1: thinking or not, But what I will challenge them on

818
00:41:39,280 --> 00:41:41,920
Speaker 1: is why do you get up in the morning, Like,

819
00:41:42,000 --> 00:41:45,520
Speaker 1: what is your reason for getting up? Most people's reason

820
00:41:45,719 --> 00:41:48,160
Speaker 1: is work. That's why they get up in the morning,

821
00:41:48,200 --> 00:41:50,040
Speaker 1: and it used to be mine too, So I'm not

822
00:41:50,160 --> 00:41:53,839
Speaker 1: like criticizing. But like three or four years ago, if

823
00:41:53,880 --> 00:41:56,319
Speaker 1: I had worked at nine, I would get up at eight.

824
00:41:56,520 --> 00:41:58,640
Speaker 1: If I had work at eight, I'd get up at seven. Like,

825
00:41:58,680 --> 00:42:00,680
Speaker 1: I just get up an hour before work because that's

826
00:42:00,680 --> 00:42:02,440
Speaker 1: the time that it took me to get ready and

827
00:42:02,480 --> 00:42:04,839
Speaker 1: get to work. Like the reason I got up was

828
00:42:04,960 --> 00:42:08,840
Speaker 1: for work. Well, like, that's not a great reason to

829
00:42:08,920 --> 00:42:11,440
Speaker 1: live your life and do your whole schedule by So

830
00:42:11,480 --> 00:42:13,960
Speaker 1: I started thinking, hang on a second, I want to

831
00:42:13,960 --> 00:42:16,040
Speaker 1: get up for me. I want to get up for

832
00:42:16,080 --> 00:42:19,360
Speaker 1: a list of things that I create for you was

833
00:42:19,480 --> 00:42:23,000
Speaker 1: reading and stretching or having coffee like you said, so

834
00:42:23,040 --> 00:42:25,560
Speaker 1: now I think I get up for me. So whether

835
00:42:25,600 --> 00:42:29,560
Speaker 1: that means five am, six am, six forty or whatever, Yeah,

836
00:42:29,680 --> 00:42:32,520
Speaker 1: I think you should get up for your own personal time.

837
00:42:32,880 --> 00:42:36,240
Speaker 1: And kind of as a segue to that, I always

838
00:42:36,360 --> 00:42:39,759
Speaker 1: tell people about the pay yourself first mentality. And you

839
00:42:39,800 --> 00:42:41,879
Speaker 1: guys are familiar with pay yourself first when it comes

840
00:42:41,920 --> 00:42:44,880
Speaker 1: to money, right, yeah for sure? Yeah cool. So yeah, like,

841
00:42:44,960 --> 00:42:47,640
Speaker 1: if you pay yourself first, you will never run out

842
00:42:47,640 --> 00:42:49,600
Speaker 1: of money, and it's a good money we would have.

843
00:42:50,000 --> 00:42:52,480
Speaker 1: I think it's the same with time. I think a

844
00:42:52,520 --> 00:42:55,960
Speaker 1: lot of people they wake up and um, everyone has

845
00:42:56,000 --> 00:42:58,600
Speaker 1: the same amount of time, but they pay all of

846
00:42:58,640 --> 00:43:01,799
Speaker 1: their hours. They spend all their hours with everyone else.

847
00:43:01,880 --> 00:43:05,040
Speaker 1: First they wake up and immediately they give their hours

848
00:43:05,080 --> 00:43:10,160
Speaker 1: away to traffic, to work or school, and then it

849
00:43:10,200 --> 00:43:14,720
Speaker 1: goes to your chores, your friends, your family obligations, dinner

850
00:43:14,800 --> 00:43:17,280
Speaker 1: and stuff like that, and then you pay yourself whatever

851
00:43:17,360 --> 00:43:18,880
Speaker 1: is left over at the end of the day. But

852
00:43:18,960 --> 00:43:21,799
Speaker 1: the problem with paying yourself whatever is left over is

853
00:43:21,880 --> 00:43:25,520
Speaker 1: usually it's nothing left over or it's not a very

854
00:43:25,600 --> 00:43:29,719
Speaker 1: high quality. Like the person who pays themselves money, Like

855
00:43:29,840 --> 00:43:32,520
Speaker 1: whatever is left over usually has no money in the bank.

856
00:43:33,200 --> 00:43:37,160
Speaker 1: So I think if you shift the clock and you're like, hey,

857
00:43:37,200 --> 00:43:39,640
Speaker 1: I'm a second. If I pay myself the first few

858
00:43:39,719 --> 00:43:42,760
Speaker 1: hours of the day, I will never have a shortage

859
00:43:42,760 --> 00:43:44,959
Speaker 1: of time. Like time will always be on your side.

860
00:43:44,960 --> 00:43:48,480
Speaker 1: You're always in control of your time. After you've paid

861
00:43:48,480 --> 00:43:50,720
Speaker 1: yourself an hour or two or how long it takes

862
00:43:50,760 --> 00:43:53,040
Speaker 1: to do your stuff, then give it to everyone else

863
00:43:53,160 --> 00:43:56,160
Speaker 1: and what you'll find is, just like money, you will

864
00:43:56,200 --> 00:43:59,680
Speaker 1: like build this platform for yourself to be able to

865
00:43:59,719 --> 00:44:03,040
Speaker 1: help others more so, my two hours of personal time

866
00:44:03,040 --> 00:44:05,680
Speaker 1: in the morning help me work better. They help me

867
00:44:05,880 --> 00:44:09,640
Speaker 1: like help others better throughout the day. Yeah, and stay organized.

868
00:44:09,719 --> 00:44:12,759
Speaker 1: So yeah, pay yourself first for you at six am.

869
00:44:12,800 --> 00:44:15,360
Speaker 1: That's awesome. Yeah, that's so good. I mean, what I'm

870
00:44:15,400 --> 00:44:18,080
Speaker 1: hearing you say is that like basically you've identified why

871
00:44:18,280 --> 00:44:20,440
Speaker 1: you're getting up early, right like you said at the

872
00:44:20,440 --> 00:44:23,080
Speaker 1: beginning there, Like before it was just because you're getting

873
00:44:23,120 --> 00:44:24,719
Speaker 1: up early to be able to give that time to

874
00:44:24,800 --> 00:44:27,799
Speaker 1: your work. But if you can actually identify why it

875
00:44:27,840 --> 00:44:29,800
Speaker 1: is that you want to get up early and have

876
00:44:29,960 --> 00:44:31,880
Speaker 1: it be something that you're really excited about, like that

877
00:44:31,920 --> 00:44:34,360
Speaker 1: could be the motivation to get you up because I

878
00:44:34,400 --> 00:44:36,400
Speaker 1: know what I'm laying in bed and the alarm goes off, Well,

879
00:44:36,400 --> 00:44:38,080
Speaker 1: I want a snooze for a little bit longer because

880
00:44:38,200 --> 00:44:40,120
Speaker 1: I know that I'm just getting up to start the day,

881
00:44:40,200 --> 00:44:43,120
Speaker 1: not necessarily to maybe finish the novel that I want

882
00:44:43,120 --> 00:44:45,759
Speaker 1: to you know, complete, or you know, maybe go for

883
00:44:45,800 --> 00:44:48,280
Speaker 1: a run or different things like that. If I haven't

884
00:44:48,280 --> 00:44:51,640
Speaker 1: identified a specific task that you know that I want

885
00:44:51,640 --> 00:44:53,799
Speaker 1: to accomplish, and I'm gonna hit that snooze button then

886
00:44:53,840 --> 00:44:55,319
Speaker 1: and kind of lay there for about five more minutes

887
00:44:55,360 --> 00:44:57,480
Speaker 1: because that feels really good. And we'll say, by the way,

888
00:44:57,480 --> 00:45:00,320
Speaker 1: I just bought the website six am Joel dot com

889
00:45:00,360 --> 00:45:02,120
Speaker 1: and you're gonna have You're gonna have a rival out

890
00:45:02,160 --> 00:45:06,560
Speaker 1: there now Joel. Okay, I like it. Yeah good. Maybe

891
00:45:06,600 --> 00:45:08,440
Speaker 1: I can shut down mine then you can take over

892
00:45:08,520 --> 00:45:13,279
Speaker 1: my side. Nope, dude, I'm so glad you said that

893
00:45:13,440 --> 00:45:17,400
Speaker 1: about creating a reason to get up, because if you

894
00:45:17,480 --> 00:45:19,799
Speaker 1: won't get up, if there is no reason to get up,

895
00:45:19,880 --> 00:45:23,600
Speaker 1: So create a to do list the day before for

896
00:45:23,680 --> 00:45:26,160
Speaker 1: the morning time. If you wake up and then you

897
00:45:26,200 --> 00:45:28,160
Speaker 1: don't have a to do list, you're not going to

898
00:45:28,239 --> 00:45:30,200
Speaker 1: get up. You're just going to hit the snooze button.

899
00:45:30,600 --> 00:45:33,040
Speaker 1: And it doesn't have to be a like a fascinating,

900
00:45:33,160 --> 00:45:35,960
Speaker 1: mind blowing list. It can be as simple as like

901
00:45:36,120 --> 00:45:39,919
Speaker 1: get up, put coffee on, stretch for twenty minutes, read

902
00:45:39,960 --> 00:45:43,920
Speaker 1: for twenty minutes, and walk the dog. Done. That's your

903
00:45:43,960 --> 00:45:46,120
Speaker 1: to do list. But now that you've got like five

904
00:45:46,160 --> 00:45:48,680
Speaker 1: bullet points to check off when you wake up, you think, cool,

905
00:45:48,920 --> 00:45:50,839
Speaker 1: I got something to do. I'm gonna go do it.

906
00:45:51,080 --> 00:45:54,040
Speaker 1: So you mentioned a couple of tips. You're having someone

907
00:45:54,160 --> 00:45:57,000
Speaker 1: like potentially an accountability partner right that you're you're texting,

908
00:45:57,480 --> 00:45:59,799
Speaker 1: or that you're staying in contact with about you know,

909
00:46:00,000 --> 00:46:02,399
Speaker 1: your your wake up schedule, someone that you can that's

910
00:46:02,440 --> 00:46:04,000
Speaker 1: going through it with you, which I think would be

911
00:46:04,040 --> 00:46:05,960
Speaker 1: super helpful. You just mentioned having it to do list,

912
00:46:06,000 --> 00:46:08,359
Speaker 1: preparing that the night before. You know, what else can

913
00:46:08,440 --> 00:46:10,920
Speaker 1: someone do that's going practical tips that are going to

914
00:46:11,000 --> 00:46:13,719
Speaker 1: help them stick to this because it's really easy. I

915
00:46:13,719 --> 00:46:15,279
Speaker 1: would think to say I'm gonna get up at five

916
00:46:15,320 --> 00:46:16,840
Speaker 1: am and do it twice and then fail and then

917
00:46:16,920 --> 00:46:20,719
Speaker 1: never do it again. Yeah, one is like stay consistent,

918
00:46:20,880 --> 00:46:23,759
Speaker 1: do it every day. Big failure I see people do

919
00:46:23,920 --> 00:46:26,080
Speaker 1: is that who will try getting up at five am,

920
00:46:26,120 --> 00:46:29,400
Speaker 1: like Monday, Tuesday, Wednesat, Thursday, Friday, and then when the

921
00:46:29,440 --> 00:46:32,200
Speaker 1: weekend rolls around, their reason is completely out of the

922
00:46:32,239 --> 00:46:35,040
Speaker 1: window because their reason was work. So they get it

923
00:46:35,120 --> 00:46:38,160
Speaker 1: right back to like sleeping intil ten. And if you

924
00:46:38,239 --> 00:46:40,799
Speaker 1: try and create a habit but you're doing it five

925
00:46:40,880 --> 00:46:43,600
Speaker 1: days on two days off, you can't do it like

926
00:46:43,680 --> 00:46:46,840
Speaker 1: that is so difficult when Monday rolls around again that

927
00:46:46,880 --> 00:46:49,040
Speaker 1: you're gonna have such a hard time. So I would

928
00:46:49,080 --> 00:46:52,919
Speaker 1: say a good tip is to do it every day. Yeah,

929
00:46:52,920 --> 00:46:55,279
Speaker 1: So what I'm hearing is is consistency and so doing

930
00:46:55,360 --> 00:46:57,719
Speaker 1: that every day. Yeah, I think that's so smart. Joel. Yeah,

931
00:46:57,760 --> 00:47:00,759
Speaker 1: you mentioned accountability and you also mentioned to just having

932
00:47:00,800 --> 00:47:03,120
Speaker 1: a list of those different things that you want to do.

933
00:47:03,160 --> 00:47:04,919
Speaker 1: You know that kind of gets us to your email list.

934
00:47:05,000 --> 00:47:06,640
Speaker 1: Part of what you do when you wake up early

935
00:47:06,680 --> 00:47:08,879
Speaker 1: as you send out a message to folks on your

936
00:47:08,920 --> 00:47:12,680
Speaker 1: email list. Can you explain what that's all about? Yeah,

937
00:47:12,920 --> 00:47:15,680
Speaker 1: it started out as a work email to my colleagues.

938
00:47:15,800 --> 00:47:18,040
Speaker 1: Like when I started. When I first started getting at

939
00:47:18,040 --> 00:47:20,520
Speaker 1: five am, I was crushing out of work and I

940
00:47:20,560 --> 00:47:23,320
Speaker 1: was sharing a story with just a small team saying

941
00:47:23,400 --> 00:47:26,040
Speaker 1: like how cool it is to get up early, and

942
00:47:26,080 --> 00:47:28,040
Speaker 1: the next day, I got up at five and I

943
00:47:28,040 --> 00:47:30,240
Speaker 1: sent them all an email. I said, see, it's five am,

944
00:47:30,320 --> 00:47:32,399
Speaker 1: and I'm doing well and we're gonna have a good day.

945
00:47:32,440 --> 00:47:33,879
Speaker 1: And it was a bit of it, like a pump

946
00:47:34,000 --> 00:47:36,840
Speaker 1: up speech. People liked it. So I did it the

947
00:47:36,920 --> 00:47:39,439
Speaker 1: next day and then the next day and the next day.

948
00:47:39,480 --> 00:47:41,400
Speaker 1: You know, I'd get up every day and I'd send

949
00:47:41,480 --> 00:47:44,600
Speaker 1: my immediate team an email that says, hey, guys, we're

950
00:47:44,640 --> 00:47:47,080
Speaker 1: going to crush it today. Let's do this, and you know,

951
00:47:47,120 --> 00:47:49,600
Speaker 1: we're the best team in the West Coast and stuff

952
00:47:49,640 --> 00:47:52,680
Speaker 1: like that. Probably really annoying for them, but um, you know,

953
00:47:52,760 --> 00:47:55,400
Speaker 1: people seem to like it. And then, um, the list

954
00:47:55,600 --> 00:47:58,160
Speaker 1: kind of I just took off, I guess. Um. I

955
00:47:58,200 --> 00:48:00,680
Speaker 1: added my parents, who thought it was really cool that

956
00:48:00,719 --> 00:48:03,279
Speaker 1: I was so motivated every morning, and they called it

957
00:48:03,360 --> 00:48:06,760
Speaker 1: to my other relatives and siblings, and then people started

958
00:48:06,800 --> 00:48:09,200
Speaker 1: requesting to be on the list, like other people within

959
00:48:09,239 --> 00:48:12,879
Speaker 1: the company. And then when I left work, everyone was like, well,

960
00:48:12,960 --> 00:48:15,880
Speaker 1: I hope you can still send your five am email.

961
00:48:16,000 --> 00:48:18,239
Speaker 1: So that's when I made it public and I create

962
00:48:18,320 --> 00:48:21,200
Speaker 1: a website and you can actually go on my website

963
00:48:21,239 --> 00:48:24,520
Speaker 1: and see all of my archives. There's like I've been

964
00:48:24,560 --> 00:48:26,520
Speaker 1: doing this for like a thousand days now, so you

965
00:48:26,520 --> 00:48:28,759
Speaker 1: can see an email from every single day. When I

966
00:48:28,800 --> 00:48:31,720
Speaker 1: get up, I send this email out and people find

967
00:48:31,719 --> 00:48:34,760
Speaker 1: me from the weirdest places. They subscribe to my list,

968
00:48:35,000 --> 00:48:37,600
Speaker 1: and yeah, they're from people from all over the world,

969
00:48:38,000 --> 00:48:40,000
Speaker 1: so they get an email from me every single day,

970
00:48:40,080 --> 00:48:42,960
Speaker 1: and it's it's kind of I wouldn't say it's random.

971
00:48:43,040 --> 00:48:47,160
Speaker 1: It's got a theme of like motivation and stuff. I mean,

972
00:48:47,200 --> 00:48:49,200
Speaker 1: you guys know what it's like. It's either a quick

973
00:48:49,680 --> 00:48:52,239
Speaker 1: you know, it's less than a hundred words. It's a

974
00:48:52,280 --> 00:48:55,800
Speaker 1: short motivational message or like a lesson that I've learned,

975
00:48:55,880 --> 00:48:58,600
Speaker 1: or a funny story or a photo, or a productivity

976
00:48:58,640 --> 00:49:01,719
Speaker 1: tip or a money tip, and it's just quick and

977
00:49:01,760 --> 00:49:05,320
Speaker 1: it's short. It's letting people know that I'm up and

978
00:49:05,680 --> 00:49:08,480
Speaker 1: I'm ready to face a new challenge and that I'm learning.

979
00:49:08,840 --> 00:49:12,279
Speaker 1: And that's what it's about. And if you want, for

980
00:49:12,320 --> 00:49:15,480
Speaker 1: anyone out there who wants an accountability partner, I mean,

981
00:49:15,840 --> 00:49:18,640
Speaker 1: my five am email goes out five am Pacific time

982
00:49:18,680 --> 00:49:20,959
Speaker 1: every day. If you want to hit reply, I get

983
00:49:20,960 --> 00:49:23,759
Speaker 1: the reply and I can see whether you're up or not.

984
00:49:23,840 --> 00:49:25,359
Speaker 1: So if you want to need to be in your

985
00:49:25,360 --> 00:49:28,680
Speaker 1: accountability partner, just sign up from my list. That's how

986
00:49:28,719 --> 00:49:31,160
Speaker 1: it was born, and it's growing and it is so

987
00:49:32,280 --> 00:49:35,800
Speaker 1: fun and interesting. So well, five am your time is

988
00:49:35,840 --> 00:49:37,480
Speaker 1: eight am my time, So I can do that. I

989
00:49:37,520 --> 00:49:42,240
Speaker 1: can that schedule. Yeah, that's easy, exactly, Joel. I mean honestly,

990
00:49:42,320 --> 00:49:46,080
Speaker 1: I I love subscribing to it because I appreciate your optimism.

991
00:49:46,080 --> 00:49:49,440
Speaker 1: I appreciate your sense of humor. Your bright outlook is

992
00:49:49,480 --> 00:49:52,839
Speaker 1: just like effusive as I begin my day. So yeah,

993
00:49:52,880 --> 00:49:55,880
Speaker 1: I I appreciate getting those emails, man. I appreciate you

994
00:49:55,880 --> 00:49:58,600
Speaker 1: your dedication to continuing to send them out every single day,

995
00:49:58,640 --> 00:50:00,560
Speaker 1: even after you left your job. And and it's really

996
00:50:00,560 --> 00:50:02,880
Speaker 1: interesting to hear how your list has grown, and I

997
00:50:02,920 --> 00:50:05,320
Speaker 1: appreciate being part of it. So for for our listeners,

998
00:50:05,320 --> 00:50:07,279
Speaker 1: for the folks that want to find out more about you,

999
00:50:07,520 --> 00:50:09,560
Speaker 1: they can, of course sign up for your email at

1000
00:50:09,600 --> 00:50:11,239
Speaker 1: your website, but how else can they kind of get

1001
00:50:11,239 --> 00:50:12,920
Speaker 1: in touch with you and learn more about you? That's

1002
00:50:12,920 --> 00:50:15,680
Speaker 1: pretty much it. My email, Um, sorry, my website, it's

1003
00:50:15,719 --> 00:50:18,400
Speaker 1: five am Joel dot com. There's a little contact section

1004
00:50:18,440 --> 00:50:20,759
Speaker 1: if you want to shoot me a note. I stay

1005
00:50:20,760 --> 00:50:23,160
Speaker 1: off social media. A lot. I don't have a Facebook,

1006
00:50:23,280 --> 00:50:25,960
Speaker 1: so um, yeah, you've got to interact with me through

1007
00:50:26,000 --> 00:50:29,520
Speaker 1: my website. Very cool, awesome, Well, Joel, this has been

1008
00:50:29,560 --> 00:50:31,400
Speaker 1: a super fun conversation. Man. Thank you so much for

1009
00:50:31,400 --> 00:50:33,799
Speaker 1: coming on our show. Thank you very much for having me.

1010
00:50:33,840 --> 00:50:37,280
Speaker 1: Guys cheers, Yeah, man, thanks again, Man, what a fantastic

1011
00:50:37,280 --> 00:50:39,480
Speaker 1: conversation with five Am Joel. I feel like I have

1012
00:50:39,560 --> 00:50:41,360
Speaker 1: to say that to you by the way, to you know,

1013
00:50:41,440 --> 00:50:45,160
Speaker 1: differentiate between you and our guests. But uh, I wish

1014
00:50:45,160 --> 00:50:46,440
Speaker 1: we were in the same city we can kind of

1015
00:50:46,480 --> 00:50:48,080
Speaker 1: hang out with him more. But Joel, do you have

1016
00:50:48,080 --> 00:50:50,040
Speaker 1: a big takeaway that you want to share with us? Well, first,

1017
00:50:50,080 --> 00:50:51,839
Speaker 1: I love his name, I love his personality, I love

1018
00:50:51,840 --> 00:50:54,480
Speaker 1: his optimism. He's just an infectious dude. So I yeah,

1019
00:50:54,480 --> 00:50:56,719
Speaker 1: I really enjoyed our conversation with him. And I think

1020
00:50:56,760 --> 00:50:59,719
Speaker 1: my big takeaway from this conversation was I love how

1021
00:50:59,800 --> 00:51:04,040
Speaker 1: Joe thinks about assessing everything through the specific lens of value,

1022
00:51:04,080 --> 00:51:06,720
Speaker 1: what sort of values this can provide. And he even said,

1023
00:51:07,120 --> 00:51:10,439
Speaker 1: you know, whether it's the Amazon Prime decision or even

1024
00:51:10,520 --> 00:51:13,799
Speaker 1: a one dollar decision he's thinking about, or an entire

1025
00:51:13,880 --> 00:51:17,879
Speaker 1: years worth of salary decision. Yeah, whether it's the most

1026
00:51:17,880 --> 00:51:22,600
Speaker 1: massive decision possible, or or these tiny micro decisions. Assessing

1027
00:51:22,600 --> 00:51:25,120
Speaker 1: it through that lens of value just kind of creates

1028
00:51:25,480 --> 00:51:28,080
Speaker 1: you know, it might take a second, it's not instantaneous

1029
00:51:28,400 --> 00:51:31,080
Speaker 1: to recognize whether it's worth it or not. It might

1030
00:51:31,080 --> 00:51:33,680
Speaker 1: take a little bit of digging or thinking. But when

1031
00:51:33,719 --> 00:51:35,600
Speaker 1: you do think about things like that, I think you're

1032
00:51:35,600 --> 00:51:38,399
Speaker 1: gonna find that your money is prioritized in a way

1033
00:51:38,440 --> 00:51:41,319
Speaker 1: that you feel better about. And you're probably gonna find

1034
00:51:41,320 --> 00:51:43,200
Speaker 1: out at the same time that you're you're spending less

1035
00:51:43,440 --> 00:51:46,560
Speaker 1: of your money too. So yeah, I love that value proposition,

1036
00:51:46,560 --> 00:51:49,120
Speaker 1: the value lens that he sees everything through. Yeah, that's

1037
00:51:49,160 --> 00:51:52,120
Speaker 1: so good. Well, mine's gonna be oriented more towards the

1038
00:51:52,200 --> 00:51:55,240
Speaker 1: five am proposition of getting up early. He only touched

1039
00:51:55,239 --> 00:51:56,520
Speaker 1: on this for a second, and I kind of wish

1040
00:51:56,520 --> 00:51:58,000
Speaker 1: we would have alluded back to it, but he he

1041
00:51:58,080 --> 00:52:00,319
Speaker 1: mentioned wanting to make sure that you get enough rest,

1042
00:52:00,680 --> 00:52:02,000
Speaker 1: and I was kind of thinking about that in the

1043
00:52:02,000 --> 00:52:03,520
Speaker 1: back of mind a little bit. And what that means

1044
00:52:03,560 --> 00:52:06,120
Speaker 1: for me is going to bed earlier, earlier than I

1045
00:52:06,160 --> 00:52:08,799
Speaker 1: normally do. And I know that that is the number

1046
00:52:08,840 --> 00:52:10,520
Speaker 1: one reason why it's so difficult for me to wake

1047
00:52:10,600 --> 00:52:12,759
Speaker 1: up in the morning, specifically, because I do wake up

1048
00:52:12,800 --> 00:52:15,160
Speaker 1: early a little bit. I'm kind of aware that it's

1049
00:52:15,200 --> 00:52:17,920
Speaker 1: early and I could get up, but I think to myself, well,

1050
00:52:18,120 --> 00:52:20,440
Speaker 1: I need to stay healthy. This is the conversation I

1051
00:52:20,440 --> 00:52:22,040
Speaker 1: have with myself pretty much, and I know if I

1052
00:52:22,040 --> 00:52:24,919
Speaker 1: get up now, that's only six hours of sleep, when

1053
00:52:24,960 --> 00:52:26,840
Speaker 1: in reality, like wuld be great to have something closer

1054
00:52:26,880 --> 00:52:28,759
Speaker 1: to eight. And so I kind of talk myself out

1055
00:52:28,800 --> 00:52:31,120
Speaker 1: of getting up early by arguing with myself saying that

1056
00:52:31,160 --> 00:52:33,120
Speaker 1: I'm gonna you know, I might get sick. And you know,

1057
00:52:33,120 --> 00:52:35,160
Speaker 1: there's different studies to where you know, if you're not

1058
00:52:35,200 --> 00:52:37,839
Speaker 1: getting enough sleep, your creativity at plummets or even your

1059
00:52:37,840 --> 00:52:40,319
Speaker 1: i Q it's harder to solve different problems and stuff

1060
00:52:40,360 --> 00:52:41,960
Speaker 1: like that when you have, you know, a limited amount

1061
00:52:42,000 --> 00:52:44,080
Speaker 1: of sleep. So these are all the arguments I have

1062
00:52:44,200 --> 00:52:46,200
Speaker 1: with myself as I'm laying in bed, and it's just

1063
00:52:46,239 --> 00:52:49,640
Speaker 1: me talking myself out of getting up early. And so yes,

1064
00:52:49,800 --> 00:52:51,720
Speaker 1: for me, I know that means going to bed earlier.

1065
00:52:51,840 --> 00:52:54,480
Speaker 1: And he did mention the accountability factor as well, and

1066
00:52:54,520 --> 00:52:56,840
Speaker 1: I think that could be a strong piece of me

1067
00:52:56,920 --> 00:52:59,120
Speaker 1: actually trying to get up early. Yeah, man, so I

1068
00:52:59,160 --> 00:53:01,759
Speaker 1: guess the big question after this conversation is are you

1069
00:53:01,880 --> 00:53:03,719
Speaker 1: going to wake up earlier? Are you gonna start getting

1070
00:53:03,760 --> 00:53:05,719
Speaker 1: up at five am? I was actually wondering if you're

1071
00:53:05,719 --> 00:53:07,799
Speaker 1: gonna ask that or if five am Joe is gonna

1072
00:53:07,800 --> 00:53:12,000
Speaker 1: ask that during the interview, because I kind of cringe

1073
00:53:12,120 --> 00:53:14,279
Speaker 1: because it is hard. But at the same time, I

1074
00:53:14,320 --> 00:53:16,200
Speaker 1: didn't realize you're getting up at six too, and so

1075
00:53:16,280 --> 00:53:18,719
Speaker 1: I think the sort of competitive side of me thinks, well,

1076
00:53:18,840 --> 00:53:20,279
Speaker 1: if you're getting up at six, I bet I can

1077
00:53:20,280 --> 00:53:22,840
Speaker 1: do that. I will say yes, if you're challenging me,

1078
00:53:22,960 --> 00:53:25,800
Speaker 1: I will commit to at least getting up by six

1079
00:53:25,840 --> 00:53:27,640
Speaker 1: and maybe even a little bit earlier. Maybe if I

1080
00:53:27,840 --> 00:53:29,640
Speaker 1: can send you that text at five forty five, you'll

1081
00:53:29,680 --> 00:53:31,439
Speaker 1: see that I'm beating you to the punch a little

1082
00:53:31,440 --> 00:53:33,239
Speaker 1: bit and we can we'll see how this, uh this

1083
00:53:33,360 --> 00:53:35,160
Speaker 1: actually tracks for the next couple of weeks and maybe

1084
00:53:35,160 --> 00:53:37,279
Speaker 1: we'll we'll report back. All right, If I start getting

1085
00:53:37,280 --> 00:53:39,080
Speaker 1: text from you at five forty five, I'm gonna up

1086
00:53:39,120 --> 00:53:40,520
Speaker 1: my game and get up a five forty five. Two.

1087
00:53:40,560 --> 00:53:43,279
Speaker 1: We're gonna make it happen. It's a losing battle, I know, right,

1088
00:53:43,520 --> 00:53:44,920
Speaker 1: all right, Matt, let's get back to the beer that

1089
00:53:45,000 --> 00:53:47,319
Speaker 1: we had on the show. We had an awesome beer

1090
00:53:47,360 --> 00:53:50,040
Speaker 1: by Modern Times called Black House and it was a

1091
00:53:50,160 --> 00:53:52,520
Speaker 1: coffee stout and big thanks to my friend Craig, who

1092
00:53:52,719 --> 00:53:54,759
Speaker 1: is a brewer at Modern Times pretending us some of

1093
00:53:54,760 --> 00:53:56,440
Speaker 1: their beers. Now, what was your take on this one? Well?

1094
00:53:56,480 --> 00:53:57,759
Speaker 1: Did you like that? By the way, I chose the

1095
00:53:57,800 --> 00:54:00,239
Speaker 1: coffee stout since we're talking about getting up early. Oh,

1096
00:54:00,719 --> 00:54:03,840
Speaker 1: I was trying to be clever a little bit there. No.

1097
00:54:04,000 --> 00:54:06,720
Speaker 1: I really enjoyed this beer, Manu. Specifically what it reminds

1098
00:54:06,760 --> 00:54:09,880
Speaker 1: me of nitro coffee. Have you ever had nitro coffee before?

1099
00:54:10,239 --> 00:54:13,120
Speaker 1: I have, basically where they just inject nitro into the coffee,

1100
00:54:13,160 --> 00:54:15,680
Speaker 1: so it kind of comes out like Againnis, like silky smooth,

1101
00:54:15,719 --> 00:54:17,680
Speaker 1: silky smooth, and that's how this beer drink. It was

1102
00:54:17,719 --> 00:54:20,239
Speaker 1: silky smooth. It almost did kind of feel like a

1103
00:54:20,280 --> 00:54:22,439
Speaker 1: Gainnis in my mouth. But it had those coffee notes.

1104
00:54:22,480 --> 00:54:25,320
Speaker 1: It wasn't too robust and and overly smoky. It was

1105
00:54:25,400 --> 00:54:28,399
Speaker 1: just a nice balanced coffee stout. Really dug it. Yeah,

1106
00:54:28,440 --> 00:54:30,600
Speaker 1: So on the can it says that it tastes like

1107
00:54:30,640 --> 00:54:32,880
Speaker 1: a chocolate covered espresso bean. Oh, that's perfect, And I

1108
00:54:33,000 --> 00:54:35,320
Speaker 1: was like It's pretty much the best description that anybody

1109
00:54:35,360 --> 00:54:37,359
Speaker 1: could come up with for this beer, so I'm gonna

1110
00:54:37,360 --> 00:54:38,880
Speaker 1: stick with that. I think it really did kind of

1111
00:54:38,920 --> 00:54:41,520
Speaker 1: taste like that. It had those nice roasty coffee notes.

1112
00:54:41,640 --> 00:54:44,760
Speaker 1: And Modern Times is a brewery but also a roctary,

1113
00:54:44,840 --> 00:54:46,560
Speaker 1: so they do include a lot of coffee and the

1114
00:54:46,760 --> 00:54:48,879
Speaker 1: beer that. Yeah, and they sell coffee as well. It's

1115
00:54:48,880 --> 00:54:51,680
Speaker 1: a really neat company, their employee owned. They've they've done

1116
00:54:51,719 --> 00:54:55,799
Speaker 1: just an amazing job of remaining super cool and making

1117
00:54:55,880 --> 00:54:58,920
Speaker 1: great beers as they've grown. So yeah, I enjoyed this

1118
00:54:59,000 --> 00:55:00,440
Speaker 1: beer and glad we have to have it on the

1119
00:55:00,440 --> 00:55:02,680
Speaker 1: show today. Man. Yeah, it was great and things again

1120
00:55:02,719 --> 00:55:04,880
Speaker 1: to Craig for sending this one hour away, so Joel,

1121
00:55:05,000 --> 00:55:06,879
Speaker 1: it's gonna be it for this episode. Folks can find

1122
00:55:06,920 --> 00:55:08,719
Speaker 1: our show notes up on our website at how to

1123
00:55:08,800 --> 00:55:10,919
Speaker 1: Money dot com, and don't forget to check out Joel's

1124
00:55:10,960 --> 00:55:13,040
Speaker 1: website as well, five Am Joel dot com if you're

1125
00:55:13,080 --> 00:55:15,480
Speaker 1: wanting to learn more about him. Yeah, and ultimately, it's

1126
00:55:15,520 --> 00:55:18,080
Speaker 1: the new year and Matt and I here on the

1127
00:55:18,120 --> 00:55:20,320
Speaker 1: show at how the Money. We have a lot in

1128
00:55:20,400 --> 00:55:23,279
Speaker 1: store for you moving forward, and in particular this month

1129
00:55:23,320 --> 00:55:26,400
Speaker 1: of January, we've got guests and show topics that we

1130
00:55:26,440 --> 00:55:28,200
Speaker 1: think are gonna be really helpful as you begin this

1131
00:55:28,320 --> 00:55:31,440
Speaker 1: new year to stay motivated to get your finances in order,

1132
00:55:31,480 --> 00:55:33,440
Speaker 1: So don't forget to hit the subscribe button so you're

1133
00:55:33,480 --> 00:55:36,839
Speaker 1: informed of each episode as we release them, and Matt

1134
00:55:36,880 --> 00:55:38,799
Speaker 1: I guess that's gonna do it. So until next time,

1135
00:55:39,040 --> 00:55:40,879
Speaker 1: best Friends Out, Best Friends Out,