1 00:00:00,120 --> 00:00:02,920 Speaker 1: Ten years ago, almost to the day, I was broke. 2 00:00:03,160 --> 00:00:05,680 Speaker 1: I had no money in my bank account, I made 3 00:00:05,760 --> 00:00:09,760 Speaker 1: less than minimum wage, and I owed thirty thousand dollars 4 00:00:09,840 --> 00:00:12,800 Speaker 1: in student loan debt. I was broke. Today, I have 5 00:00:12,880 --> 00:00:16,120 Speaker 1: a multimillion dollar net worth, I have a personal income 6 00:00:16,200 --> 00:00:18,880 Speaker 1: over six figures per month, and I work about twenty 7 00:00:18,920 --> 00:00:21,920 Speaker 1: hours per week. I'm going to tell you exactly how 8 00:00:21,960 --> 00:00:24,200 Speaker 1: I did this over the last ten years. So I 9 00:00:24,200 --> 00:00:26,400 Speaker 1: had a very rocky journey here. I made a ton 10 00:00:26,440 --> 00:00:28,840 Speaker 1: of mistakes along the way. And if I can do it, 11 00:00:28,920 --> 00:00:31,280 Speaker 1: you can do it faster. And just like most people, 12 00:00:31,360 --> 00:00:34,159 Speaker 1: my financial troubles started all the way back in childhood. Now, 13 00:00:34,200 --> 00:00:37,200 Speaker 1: I actually had a fantastic childhood, great parents, great family, 14 00:00:37,240 --> 00:00:39,360 Speaker 1: three siblings, the four of us kids. My dad always 15 00:00:39,360 --> 00:00:41,680 Speaker 1: had a great job, my mom stayed home, we stayed 16 00:00:41,680 --> 00:00:43,400 Speaker 1: in school, we got good grades, we went to church 17 00:00:43,400 --> 00:00:46,000 Speaker 1: on Sunday. But like most American families, we had a 18 00:00:46,040 --> 00:00:49,240 Speaker 1: lot of problems, and like most problems, they were money problems. 19 00:00:49,280 --> 00:00:51,199 Speaker 1: For most of the years growing up, my parents had 20 00:00:51,240 --> 00:00:52,839 Speaker 1: a lot of credit card debt that put a lot 21 00:00:52,840 --> 00:00:55,680 Speaker 1: of stress on the family, and in the financial crisis, 22 00:00:55,680 --> 00:00:58,760 Speaker 1: my parents lost almost everything including our childhood home. As 23 00:00:58,800 --> 00:01:01,360 Speaker 1: a result, I didn't learn much about money growing up, 24 00:01:01,440 --> 00:01:03,240 Speaker 1: and the stuff that I did learn, most of it 25 00:01:03,360 --> 00:01:05,280 Speaker 1: was wrong. And the one thing I thought I knew 26 00:01:05,319 --> 00:01:07,600 Speaker 1: for sure was that if you wanted to make good money, 27 00:01:07,600 --> 00:01:09,720 Speaker 1: you had to go to college, get good grades, go 28 00:01:09,760 --> 00:01:11,600 Speaker 1: to college, get a degree that you could get a job. 29 00:01:11,680 --> 00:01:13,120 Speaker 1: So I decided to go to college and get the 30 00:01:13,120 --> 00:01:15,120 Speaker 1: one degree in something that wouldn't help me out with 31 00:01:15,200 --> 00:01:17,840 Speaker 1: any job, which was actually to become a pastor. My 32 00:01:17,920 --> 00:01:21,119 Speaker 1: degrees in Christian ministries with the minor in biblical studies. Now, 33 00:01:21,200 --> 00:01:23,839 Speaker 1: Throughout most of my life I was taught that money 34 00:01:23,959 --> 00:01:26,080 Speaker 1: is evil. Christians are taught that you're just supposed to 35 00:01:26,120 --> 00:01:28,560 Speaker 1: trust God and he'll provide everything that you need. But 36 00:01:28,640 --> 00:01:31,240 Speaker 1: slowly I started to learn about what it actually says 37 00:01:31,280 --> 00:01:33,440 Speaker 1: about money, which is not that money is evil, but 38 00:01:33,480 --> 00:01:35,920 Speaker 1: that the love of money is the root of all evil, 39 00:01:35,959 --> 00:01:38,120 Speaker 1: and that the antidote to greed and envy is not 40 00:01:38,160 --> 00:01:41,039 Speaker 1: to despise wealth, but it is generosity, and to be 41 00:01:41,080 --> 00:01:43,080 Speaker 1: generous and give you have to make more money and 42 00:01:43,160 --> 00:01:44,800 Speaker 1: own wealth in order to give it away. That we're 43 00:01:44,800 --> 00:01:47,240 Speaker 1: not supposed to just forget and hope everything will be okay, 44 00:01:47,280 --> 00:01:49,440 Speaker 1: and pray and trust that God will take care of us. 45 00:01:49,680 --> 00:01:51,520 Speaker 1: In fact, the Bible actually says that if you do 46 00:01:51,640 --> 00:01:54,120 Speaker 1: not provide for your own household, you're worse than the 47 00:01:54,160 --> 00:01:56,560 Speaker 1: non believer. Bible tells you to work hard, to save, 48 00:01:56,640 --> 00:01:59,120 Speaker 1: to invest wisely, to give generously. These are all things 49 00:01:59,160 --> 00:02:00,520 Speaker 1: that you can do more and more, better and better 50 00:02:00,520 --> 00:02:02,480 Speaker 1: than more money you make. The more I learned about this, 51 00:02:02,560 --> 00:02:05,640 Speaker 1: the more I realized that I was very interested in 52 00:02:05,680 --> 00:02:09,960 Speaker 1: personal finance and investing. But the problem was I had 53 00:02:10,040 --> 00:02:13,360 Speaker 1: number one, absolutely no skills to do anything with this, 54 00:02:13,400 --> 00:02:15,880 Speaker 1: to get a job or to start a business. And 55 00:02:15,960 --> 00:02:18,679 Speaker 1: number two, I had put myself in a financial situation 56 00:02:18,760 --> 00:02:20,480 Speaker 1: that I was not able to help anybody out. I 57 00:02:20,520 --> 00:02:23,560 Speaker 1: worked for a nonprofit organization at the time throughout college, 58 00:02:23,560 --> 00:02:27,040 Speaker 1: making less than minimum wage because I had to fundraise 59 00:02:27,160 --> 00:02:29,560 Speaker 1: to raise my own salary and I was not very 60 00:02:29,560 --> 00:02:31,799 Speaker 1: good at it. So I made about four dollars an hour. 61 00:02:31,840 --> 00:02:34,480 Speaker 1: And despite the fact that I did work, and despite 62 00:02:34,480 --> 00:02:37,000 Speaker 1: the fact that I had a scholarship, I still took 63 00:02:37,080 --> 00:02:39,440 Speaker 1: out all the student loans that I could because I 64 00:02:39,480 --> 00:02:41,600 Speaker 1: wanted extra money to spend it. So I graduated with 65 00:02:41,720 --> 00:02:44,640 Speaker 1: zero dollars in my bank account, a negative thirty thousand 66 00:02:44,639 --> 00:02:47,040 Speaker 1: dollars net worth from my student loans, and a monthly 67 00:02:47,080 --> 00:02:50,080 Speaker 1: income that basically was just enough to filp my gas tank. Thankfully, 68 00:02:50,120 --> 00:02:52,440 Speaker 1: despite all that, my wife still agreed to marry me. 69 00:02:52,520 --> 00:02:54,880 Speaker 1: So we got married in twenty fourteen, and she was 70 00:02:54,919 --> 00:02:57,560 Speaker 1: making about thirty five thousand dollars a year, which to 71 00:02:57,639 --> 00:03:00,560 Speaker 1: me seemed like she was rich. We discover whatever Dave 72 00:03:00,639 --> 00:03:03,920 Speaker 1: Ramsey learned about the debt snowball, and I started learning 73 00:03:03,960 --> 00:03:07,799 Speaker 1: about budgeting and personal finance, and I realized I need 74 00:03:07,840 --> 00:03:09,280 Speaker 1: to make some more money. So I had to go 75 00:03:09,280 --> 00:03:11,080 Speaker 1: get a real job, and so I got a desk 76 00:03:11,200 --> 00:03:14,560 Speaker 1: job with Amazon, making forty thousand dollars per year. It 77 00:03:14,639 --> 00:03:16,880 Speaker 1: was not a fun job at all, but we were 78 00:03:16,880 --> 00:03:19,720 Speaker 1: able to start putting away her entire salary to getting 79 00:03:19,760 --> 00:03:21,720 Speaker 1: out of debt. We lived on rice and beans, lived 80 00:03:21,720 --> 00:03:23,679 Speaker 1: in a terrible part of town, paid six hundred and 81 00:03:23,680 --> 00:03:25,760 Speaker 1: fifty dollars a month for our rent. We didn't go anywhere, 82 00:03:25,880 --> 00:03:28,360 Speaker 1: see anybody, do anything, and within one year we were 83 00:03:28,400 --> 00:03:30,600 Speaker 1: able to pay off the entire thirty thousand dollars of debt. 84 00:03:30,600 --> 00:03:32,960 Speaker 1: Now I'll notice the theme here because Right about this point, 85 00:03:32,960 --> 00:03:34,639 Speaker 1: things were starting to look great. We had paid off 86 00:03:34,680 --> 00:03:37,160 Speaker 1: our debt. Now we had a ton of disposable income. 87 00:03:37,240 --> 00:03:39,960 Speaker 1: Things were looking great. So a curve ball's about to hit. 88 00:03:40,040 --> 00:03:43,040 Speaker 1: At this point, I was really enjoying learning about money, 89 00:03:43,040 --> 00:03:46,000 Speaker 1: personal finance investing, and so I had a friend who 90 00:03:46,040 --> 00:03:48,119 Speaker 1: was a stockbroker. I was trying to learn from him, 91 00:03:48,200 --> 00:03:50,240 Speaker 1: and he said, you know what, if you really enjoy 92 00:03:50,320 --> 00:03:52,640 Speaker 1: this stuff, I can get you a job in our 93 00:03:52,680 --> 00:03:55,800 Speaker 1: broker training program. And so I jumped at the chance. 94 00:03:55,920 --> 00:03:58,320 Speaker 1: So he helped me out, got me through the interview process. 95 00:03:58,400 --> 00:04:00,920 Speaker 1: I started the broker training program. Number one, I had 96 00:04:00,960 --> 00:04:04,040 Speaker 1: to get licensed. After that, I was basically a runt. 97 00:04:04,040 --> 00:04:07,480 Speaker 1: I was a glorified customer service representative. That job again 98 00:04:07,520 --> 00:04:09,640 Speaker 1: started off at only forty thousand dollars a year. And 99 00:04:09,680 --> 00:04:12,280 Speaker 1: to make matters worse, my wife and I had just 100 00:04:12,440 --> 00:04:16,160 Speaker 1: had our first kid, so we were back to money problems, 101 00:04:16,279 --> 00:04:18,640 Speaker 1: making very little money now with a wife and a 102 00:04:18,680 --> 00:04:20,920 Speaker 1: baby at home. But this time it was a little 103 00:04:20,960 --> 00:04:23,839 Speaker 1: bit different because we had already been through the tough 104 00:04:23,880 --> 00:04:27,240 Speaker 1: time before. We had the experience living on nothing when 105 00:04:27,279 --> 00:04:29,080 Speaker 1: we were getting out of debt, so we knew how 106 00:04:29,120 --> 00:04:31,200 Speaker 1: to do it this time. But also now I had 107 00:04:31,240 --> 00:04:33,679 Speaker 1: some more skills. Also, I had a new path ahead 108 00:04:33,720 --> 00:04:36,160 Speaker 1: of me. So we still had the problems, but the 109 00:04:36,240 --> 00:04:38,960 Speaker 1: knowledge and the financial education made it a little bit 110 00:04:39,000 --> 00:04:41,160 Speaker 1: easier to get through those problems this time. I spent 111 00:04:41,200 --> 00:04:44,240 Speaker 1: the next few years working up the ranks as a stockbroker, 112 00:04:44,320 --> 00:04:47,839 Speaker 1: getting into different positions and learning everything I could. I 113 00:04:47,880 --> 00:04:51,320 Speaker 1: became a trader, learned about options and technical analysis, and 114 00:04:51,360 --> 00:04:54,800 Speaker 1: got into positions to learn about portfolio allocation and long 115 00:04:54,880 --> 00:04:57,880 Speaker 1: term wealth management, learning the inside and outs of how 116 00:04:57,920 --> 00:05:01,720 Speaker 1: the stock market, how ETF's mutual funds, retirement accounts, everything 117 00:05:01,760 --> 00:05:04,480 Speaker 1: how it all works. And my appetite was unsatiable. I 118 00:05:04,560 --> 00:05:06,919 Speaker 1: really enjoy learning about this stuff, and so once I 119 00:05:07,000 --> 00:05:09,839 Speaker 1: got through everything I could from the inside, I started 120 00:05:09,880 --> 00:05:13,200 Speaker 1: reading books and studying about things like economics and monetary 121 00:05:13,240 --> 00:05:16,160 Speaker 1: policy and fiscal policy and interest rates and the money 122 00:05:16,160 --> 00:05:18,559 Speaker 1: supply and the Federal Reserve. So I use that knowledge 123 00:05:18,600 --> 00:05:20,720 Speaker 1: and those additional skills that I was learning to work 124 00:05:20,720 --> 00:05:22,640 Speaker 1: my way up the ranks, and I got myself into 125 00:05:22,680 --> 00:05:25,200 Speaker 1: a sales position. Getting into this sales position was a 126 00:05:25,279 --> 00:05:27,559 Speaker 1: huge step up for me, and it meant that within 127 00:05:27,720 --> 00:05:30,920 Speaker 1: five years I had gone from making less than minimum 128 00:05:31,000 --> 00:05:33,200 Speaker 1: wage with a negative net worth and no money in 129 00:05:33,240 --> 00:05:35,640 Speaker 1: my bank account to making two hundred and fifty thousand 130 00:05:35,640 --> 00:05:39,320 Speaker 1: dollars a year in sales in finance with no relevant 131 00:05:39,320 --> 00:05:41,440 Speaker 1: degree to support that. Now, a lot of this probably 132 00:05:41,440 --> 00:05:43,920 Speaker 1: comes across as if I'm bragging intoting my own horn, 133 00:05:44,000 --> 00:05:46,559 Speaker 1: but I want to be very clear about what it takes, 134 00:05:46,560 --> 00:05:49,760 Speaker 1: and especially what it doesn't take to succeed, because given 135 00:05:49,800 --> 00:05:52,560 Speaker 1: my childhood and my education, I had absolutely no business 136 00:05:52,640 --> 00:05:55,000 Speaker 1: making two hundred fifty thousand dollars a year, let alone 137 00:05:55,320 --> 00:05:57,720 Speaker 1: in sales in finance. And if I can do it, 138 00:05:57,760 --> 00:06:00,440 Speaker 1: you can do it faster. Now, from the outside, things 139 00:06:00,480 --> 00:06:03,800 Speaker 1: looked great, great job, great benefits, great work life balance. 140 00:06:03,839 --> 00:06:06,600 Speaker 1: But I was miserable. Again. You can sense the theme here. 141 00:06:06,640 --> 00:06:09,479 Speaker 1: Every time something gets great, problems come in. I was 142 00:06:09,520 --> 00:06:12,719 Speaker 1: making two hundred cold calls a day. It was monotonous. 143 00:06:12,760 --> 00:06:15,640 Speaker 1: My role was to just move assets into the company, 144 00:06:15,680 --> 00:06:19,400 Speaker 1: and so it was repetitive, felt meaningless, and I absolutely 145 00:06:19,480 --> 00:06:22,240 Speaker 1: dreaded going into work every day. And even worse than that, 146 00:06:22,320 --> 00:06:24,680 Speaker 1: I began to have somewhat of a crisis of faith 147 00:06:24,760 --> 00:06:27,320 Speaker 1: because I told you before I had started learning and 148 00:06:27,360 --> 00:06:30,040 Speaker 1: researching and studying how money actually worked. I had found 149 00:06:30,040 --> 00:06:32,880 Speaker 1: about people about like Peter Schiff and studied Ray dally O, 150 00:06:33,000 --> 00:06:34,719 Speaker 1: and I started to realize the stuff that I was 151 00:06:34,760 --> 00:06:37,360 Speaker 1: selling I didn't actually believe in anymore at that point, 152 00:06:37,680 --> 00:06:40,240 Speaker 1: really didn't think that what I was helping people do 153 00:06:40,400 --> 00:06:42,800 Speaker 1: was the best thing for them financially. And I had 154 00:06:42,839 --> 00:06:46,080 Speaker 1: always dreamed about working for myself, starting my own business, 155 00:06:46,160 --> 00:06:48,320 Speaker 1: but I had never been in a position where I 156 00:06:48,360 --> 00:06:50,960 Speaker 1: had that chance to do that before. But suddenly that 157 00:06:51,080 --> 00:06:53,679 Speaker 1: dream became a reality, and in June of twenty nineteen, 158 00:06:53,800 --> 00:06:55,839 Speaker 1: I pulled the plug and I quit my job. For 159 00:06:55,839 --> 00:06:57,960 Speaker 1: anybody who's on the edge of your seat right now 160 00:06:58,000 --> 00:07:00,240 Speaker 1: wondering if that's something that you should consider, all, let 161 00:07:00,240 --> 00:07:02,560 Speaker 1: you know. There were two things that broke the camel's 162 00:07:02,640 --> 00:07:05,159 Speaker 1: back to final straws. One was I read The Four 163 00:07:05,200 --> 00:07:07,720 Speaker 1: Hour Workweek by Tim Ferriss, and it opened my mind 164 00:07:07,800 --> 00:07:10,040 Speaker 1: up and it made me realize there are far more 165 00:07:10,080 --> 00:07:12,960 Speaker 1: ways to skin a cat than I believed. There are 166 00:07:13,040 --> 00:07:15,680 Speaker 1: way more ways to make money than I thought possible. 167 00:07:15,760 --> 00:07:18,080 Speaker 1: The second thing that happened was I had a friend 168 00:07:18,320 --> 00:07:21,080 Speaker 1: who had a friend who was involved in a multi 169 00:07:21,160 --> 00:07:24,600 Speaker 1: level marketing company Primerica. It was a financial company where 170 00:07:24,600 --> 00:07:26,240 Speaker 1: they come to you and they say invest with me, 171 00:07:26,480 --> 00:07:28,920 Speaker 1: and also get licensed and try and get your friends 172 00:07:28,920 --> 00:07:31,520 Speaker 1: and family to invest with a company. And you're under me, 173 00:07:31,560 --> 00:07:33,680 Speaker 1: and I'll get paid for everything that you bring in, 174 00:07:33,720 --> 00:07:35,680 Speaker 1: and you bring in other people, and you know, the 175 00:07:35,720 --> 00:07:38,400 Speaker 1: classical multi level marketing scheme. And so he was training 176 00:07:38,400 --> 00:07:40,400 Speaker 1: my friend how to do this, and so he asked 177 00:07:40,400 --> 00:07:43,200 Speaker 1: if he could do a fake shpiel on me so 178 00:07:43,240 --> 00:07:45,080 Speaker 1: that he could practice and see how it went. So 179 00:07:45,120 --> 00:07:47,120 Speaker 1: this guy sits down with me to show my friend 180 00:07:47,200 --> 00:07:49,440 Speaker 1: how the sales pitch happens, and he starts telling me 181 00:07:49,440 --> 00:07:52,040 Speaker 1: all about the company, how they invest and how they 182 00:07:52,080 --> 00:07:55,440 Speaker 1: recruit people. That was very curious because this is what 183 00:07:55,480 --> 00:07:57,320 Speaker 1: I do for a living. So I was asking him 184 00:07:57,320 --> 00:07:59,360 Speaker 1: things like what kind of investments do you put people in? 185 00:07:59,360 --> 00:08:01,320 Speaker 1: What kind of account do you have? Like what is 186 00:08:01,360 --> 00:08:04,320 Speaker 1: the process here? What are the fees really digging in? 187 00:08:04,360 --> 00:08:06,840 Speaker 1: And I learned two things. Number One, this guy made 188 00:08:06,840 --> 00:08:08,679 Speaker 1: a lot of money. He was close to seven figures 189 00:08:08,720 --> 00:08:12,240 Speaker 1: a year. Number Two, he had absolutely no clue how 190 00:08:12,280 --> 00:08:14,880 Speaker 1: anything in the financial system worked at all. He could 191 00:08:14,880 --> 00:08:17,960 Speaker 1: barely answer my questions. I walked away from that meeting, 192 00:08:18,200 --> 00:08:22,000 Speaker 1: realizing if this guy can make close to seven figures 193 00:08:22,160 --> 00:08:25,120 Speaker 1: doing what he's doing for that terrible company, I can 194 00:08:25,200 --> 00:08:28,200 Speaker 1: do anything I want and I can make more. And 195 00:08:28,240 --> 00:08:30,360 Speaker 1: so in June of twenty nineteen, I handed in my 196 00:08:30,440 --> 00:08:32,360 Speaker 1: two weeks to my boss and I quit my job 197 00:08:32,400 --> 00:08:34,920 Speaker 1: to start Heresy Financial. By this point, my wife and 198 00:08:34,960 --> 00:08:37,280 Speaker 1: I had two kids, and just so you're aware, my 199 00:08:37,280 --> 00:08:39,600 Speaker 1: wife was fully on board with this. All of the 200 00:08:39,640 --> 00:08:43,680 Speaker 1: financial stress and the responsibility and the worrying has always 201 00:08:43,760 --> 00:08:46,600 Speaker 1: been something that I've carried and she's always one hundred 202 00:08:46,600 --> 00:08:49,440 Speaker 1: percent trusted me. And it's not normal. And so if 203 00:08:49,480 --> 00:08:52,280 Speaker 1: you're sitting there and thinking, man, my wife would probably 204 00:08:52,320 --> 00:08:54,080 Speaker 1: never let me do that if we had, you know, 205 00:08:54,160 --> 00:08:56,440 Speaker 1: rent to pay mortgage, to pay kids at home, just 206 00:08:56,480 --> 00:08:59,280 Speaker 1: walk away from a great paying job. I understand this 207 00:08:59,360 --> 00:09:02,600 Speaker 1: is not a normal situation, but I'm very very thankful 208 00:09:02,600 --> 00:09:04,800 Speaker 1: for it, because without that support, I never would have 209 00:09:04,840 --> 00:09:06,800 Speaker 1: been able to launch out on my own and start 210 00:09:06,800 --> 00:09:09,080 Speaker 1: Heresy Financial. So we sat down, we talked about and 211 00:09:09,120 --> 00:09:12,000 Speaker 1: I gave myself six months to start making money or 212 00:09:12,040 --> 00:09:14,080 Speaker 1: else I would just go get another job. Because my 213 00:09:14,200 --> 00:09:16,920 Speaker 1: prior role was a sales job, I still had commission 214 00:09:17,000 --> 00:09:20,080 Speaker 1: checks coming in for the next five months, which definitely 215 00:09:20,120 --> 00:09:22,760 Speaker 1: helped out to pay the bills. Obviously, we also had 216 00:09:22,800 --> 00:09:24,760 Speaker 1: a rental property that we had bought because we had 217 00:09:24,800 --> 00:09:27,280 Speaker 1: been making good money, so we started making some investments 218 00:09:27,320 --> 00:09:30,640 Speaker 1: and I started saving money as well, so we had savings, 219 00:09:30,920 --> 00:09:34,000 Speaker 1: investment income, and some commission checks. So we gave ourselves 220 00:09:34,040 --> 00:09:35,920 Speaker 1: six months and I said, if it doesn't work out, 221 00:09:36,080 --> 00:09:38,880 Speaker 1: I'll just go get another job. And I tried everything 222 00:09:39,160 --> 00:09:41,800 Speaker 1: under the sun in order to make money. I tried 223 00:09:41,920 --> 00:09:45,960 Speaker 1: self publishing books. I started a podcast, I started a blog. 224 00:09:46,160 --> 00:09:49,360 Speaker 1: I did one on one financial consultations in person with people. 225 00:09:49,720 --> 00:09:52,640 Speaker 1: I created a course that I tried selling online, and 226 00:09:52,760 --> 00:09:56,040 Speaker 1: I started a YouTube channel. Despite everything that I tried, 227 00:09:56,600 --> 00:10:00,600 Speaker 1: nothing was working. After five and a half months, I 228 00:10:00,679 --> 00:10:04,960 Speaker 1: had still not made a single dollar from anything that 229 00:10:05,000 --> 00:10:07,160 Speaker 1: I was trying to do. I was crushed. I was 230 00:10:07,200 --> 00:10:09,679 Speaker 1: stressed out because the time was closing in, the money 231 00:10:09,760 --> 00:10:11,640 Speaker 1: was running out. I didn't know how we were going 232 00:10:11,679 --> 00:10:14,120 Speaker 1: to pay the bills. I was starting to feel worthless 233 00:10:14,160 --> 00:10:16,280 Speaker 1: because I can't even go out and make a single 234 00:10:16,400 --> 00:10:18,720 Speaker 1: dollar on my own, where there are other entrepreneurs who 235 00:10:18,720 --> 00:10:20,440 Speaker 1: are going out there and making tons of money, and 236 00:10:20,480 --> 00:10:22,800 Speaker 1: I couldn't bear the thought of having to go get 237 00:10:22,800 --> 00:10:25,439 Speaker 1: another job again. I even talked with a very successful 238 00:10:25,480 --> 00:10:27,880 Speaker 1: business mentor of mine and he told me to hang 239 00:10:27,920 --> 00:10:29,720 Speaker 1: it up, throw in the towel, or at least go 240 00:10:29,760 --> 00:10:31,959 Speaker 1: get a side job to pay the bills. While I 241 00:10:32,040 --> 00:10:34,840 Speaker 1: kept on trying, I was very very close to quitting. 242 00:10:35,000 --> 00:10:39,240 Speaker 1: But December of twenty nineteen, I finally had a video 243 00:10:39,440 --> 00:10:42,719 Speaker 1: that got tons of views for the first time, and 244 00:10:42,920 --> 00:10:46,040 Speaker 1: the best part was that put me over one thousand subscribers, 245 00:10:46,040 --> 00:10:48,320 Speaker 1: which on YouTube is the mark that you need to 246 00:10:48,360 --> 00:10:50,800 Speaker 1: be able to turn on monetization on your channel. And 247 00:10:50,880 --> 00:10:52,640 Speaker 1: even though the money I was making at the time 248 00:10:52,720 --> 00:10:55,160 Speaker 1: was only a couple of dollars per day, I was 249 00:10:55,400 --> 00:10:58,600 Speaker 1: finally making money. If that's where it ended, if that's 250 00:10:58,640 --> 00:11:00,920 Speaker 1: all that happened, probably wouldn't been an to keep on going. 251 00:11:00,960 --> 00:11:02,800 Speaker 1: But a second thing happened to push me over the 252 00:11:02,880 --> 00:11:06,480 Speaker 1: edge and convinced me to persist. In December of twenty nineteen, 253 00:11:06,600 --> 00:11:09,040 Speaker 1: my family and I were up north visiting some friends, 254 00:11:09,240 --> 00:11:11,000 Speaker 1: and then on our way back, we decided to get 255 00:11:11,040 --> 00:11:13,480 Speaker 1: gas before we started our two hour drive back to 256 00:11:13,480 --> 00:11:15,240 Speaker 1: the city. While I was filling up the gas tank. 257 00:11:15,280 --> 00:11:17,360 Speaker 1: I pulled up my phone like I always do, checked 258 00:11:17,360 --> 00:11:20,080 Speaker 1: my email, and a sale came through. I got a 259 00:11:20,080 --> 00:11:22,720 Speaker 1: notification in my email that somebody had purchased one of 260 00:11:22,760 --> 00:11:25,400 Speaker 1: my courses. It was only three hundred bucks. Obviously, that 261 00:11:25,559 --> 00:11:27,320 Speaker 1: is nothing in the grand scheme of things, not enough 262 00:11:27,360 --> 00:11:30,960 Speaker 1: to pay the bills, but certainly enough to convince me 263 00:11:31,240 --> 00:11:33,400 Speaker 1: that I can keep on going and I can do this. 264 00:11:33,600 --> 00:11:36,360 Speaker 1: To this day, that is one of the most relieving 265 00:11:36,559 --> 00:11:39,160 Speaker 1: things financially that has ever happened to me, because I 266 00:11:39,200 --> 00:11:41,800 Speaker 1: finally had evidence that this could work. Within the next 267 00:11:41,800 --> 00:11:44,400 Speaker 1: couple of weeks, I went all in on YouTube. I 268 00:11:44,520 --> 00:11:47,440 Speaker 1: canceled and stopped doing literally everything else that I was 269 00:11:47,480 --> 00:11:49,600 Speaker 1: trying to do to make money. I started making a 270 00:11:49,640 --> 00:11:52,880 Speaker 1: YouTube video every single day. I learned everything I could 271 00:11:52,880 --> 00:11:56,720 Speaker 1: about graphic design, making thumbnails, video editing. I was terrible 272 00:11:56,760 --> 00:11:58,520 Speaker 1: at it, but I knew I had to go all 273 00:11:58,559 --> 00:12:01,760 Speaker 1: in and focus all my fas on YouTube because that 274 00:12:01,960 --> 00:12:03,640 Speaker 1: was going to be the thing that could start paying 275 00:12:03,679 --> 00:12:07,640 Speaker 1: me soonest and for the next year it was just practice, practice, practice, practice, 276 00:12:07,800 --> 00:12:10,120 Speaker 1: Wake up, figure out what to make a video about. 277 00:12:10,400 --> 00:12:13,200 Speaker 1: Once I figured it out, then script the video, then 278 00:12:13,320 --> 00:12:16,440 Speaker 1: film the video, then edit the video. By that time 279 00:12:16,480 --> 00:12:18,280 Speaker 1: it was dinner time. I'm not finished, so I go 280 00:12:18,320 --> 00:12:20,040 Speaker 1: hang out with the kids for a couple hours till 281 00:12:20,040 --> 00:12:21,800 Speaker 1: they go to bed. Once they go to bed, go 282 00:12:21,880 --> 00:12:25,040 Speaker 1: back into the office, finish editing, also doing some editing, 283 00:12:25,080 --> 00:12:27,800 Speaker 1: and some work on weekends while the kids were doing 284 00:12:27,920 --> 00:12:31,720 Speaker 1: nap time. It was crazy, but it was all worth it, 285 00:12:31,760 --> 00:12:34,160 Speaker 1: and it wasn't because I was making any money. This 286 00:12:34,320 --> 00:12:36,560 Speaker 1: was now the entire year of twenty twenty, and you 287 00:12:36,600 --> 00:12:39,360 Speaker 1: can see that throughout twenty twenty, I was still only 288 00:12:39,440 --> 00:12:42,320 Speaker 1: making a couple of dollars per day. Breaking it down 289 00:12:42,400 --> 00:12:44,280 Speaker 1: by month, you can see that most of the months 290 00:12:44,360 --> 00:12:46,920 Speaker 1: during twenty twenty, I was only making a couple hundred 291 00:12:47,000 --> 00:12:50,120 Speaker 1: dollars from YouTube. So even though there was growth, there 292 00:12:50,200 --> 00:12:52,559 Speaker 1: was still not enough money coming in to pay the bills. 293 00:12:52,640 --> 00:12:55,040 Speaker 1: We sold one of our cars, my wife and kids 294 00:12:55,040 --> 00:12:58,560 Speaker 1: started going to Facebook marketplace, picking stuff up for free 295 00:12:58,559 --> 00:13:01,000 Speaker 1: and trying to resell it online. We were still drawing 296 00:13:01,040 --> 00:13:03,920 Speaker 1: down on our savings and investments, but in the end 297 00:13:04,040 --> 00:13:05,560 Speaker 1: I knew it was all going to be worth it 298 00:13:05,600 --> 00:13:09,440 Speaker 1: because the metrics that mattered. The foundation was still growing. 299 00:13:09,480 --> 00:13:11,080 Speaker 1: We didn't have a lot of fruit yet, but we 300 00:13:11,080 --> 00:13:13,440 Speaker 1: were still planting a ton of seeds. And just so 301 00:13:13,520 --> 00:13:15,680 Speaker 1: you know, all of my friends and family all knew 302 00:13:15,720 --> 00:13:18,120 Speaker 1: we still weren't making any money at this point, and 303 00:13:18,240 --> 00:13:21,640 Speaker 1: almost all of them were still lovingly trying to get 304 00:13:21,679 --> 00:13:23,880 Speaker 1: me to quit and go do something else. Go get 305 00:13:23,880 --> 00:13:26,320 Speaker 1: my real estate license, become a real estate agent, become 306 00:13:26,360 --> 00:13:29,319 Speaker 1: a notary, and start traveling around and making twenty thirty 307 00:13:29,360 --> 00:13:31,560 Speaker 1: forty dollars an hour. But I knew, even though I 308 00:13:31,640 --> 00:13:35,520 Speaker 1: wasn't making money now everything I was doing was planting 309 00:13:35,559 --> 00:13:37,960 Speaker 1: seeds for more fruit in the future, that it was 310 00:13:38,240 --> 00:13:39,880 Speaker 1: way worth it as long as I could just stick 311 00:13:39,880 --> 00:13:42,000 Speaker 1: with it. This is why. If you've ever heard the 312 00:13:42,280 --> 00:13:44,720 Speaker 1: old adage that to get something you've never had, you 313 00:13:44,760 --> 00:13:47,520 Speaker 1: have to do something you've never done, well, that's actually 314 00:13:47,559 --> 00:13:50,200 Speaker 1: not always true. Sometimes you just have to do the 315 00:13:50,280 --> 00:13:53,559 Speaker 1: right thing enough times in a row and over a 316 00:13:53,600 --> 00:13:56,240 Speaker 1: long enough period of time before you see the results 317 00:13:56,280 --> 00:13:58,080 Speaker 1: of those things. And if you keep on jumping to 318 00:13:58,120 --> 00:14:00,199 Speaker 1: a new thing so that you can get something you've 319 00:14:00,240 --> 00:14:02,640 Speaker 1: never had before, well then you'll never see the results 320 00:14:02,679 --> 00:14:04,880 Speaker 1: of the compounding interest from the right thing. And by 321 00:14:04,880 --> 00:14:07,040 Speaker 1: the end of that year November of twenty twenty, that 322 00:14:07,160 --> 00:14:09,920 Speaker 1: was the very first month since I had quit my 323 00:14:10,040 --> 00:14:12,920 Speaker 1: job that I finally made enough money to pay the bills. 324 00:14:13,040 --> 00:14:15,560 Speaker 1: YouTube pay me two thousand, eight hundred and sixty six 325 00:14:15,600 --> 00:14:18,199 Speaker 1: dollars and thirty cents. My original plan was that it 326 00:14:18,200 --> 00:14:20,760 Speaker 1: would go six months. It actually took a year and 327 00:14:20,760 --> 00:14:22,680 Speaker 1: a half. But now that I had gotten there and 328 00:14:22,720 --> 00:14:25,720 Speaker 1: had enough money to cover my expenses, my runway was infinite. 329 00:14:25,720 --> 00:14:28,160 Speaker 1: I could keep doing this forever and never had to 330 00:14:28,200 --> 00:14:29,720 Speaker 1: worry about whether I was going to have to go 331 00:14:29,760 --> 00:14:32,760 Speaker 1: get another job again in the future. Business exploded from there, 332 00:14:32,840 --> 00:14:35,280 Speaker 1: and at the end of twenty twenty, I had about 333 00:14:35,280 --> 00:14:38,120 Speaker 1: twenty thousand subscribers, but over the course of the next year. 334 00:14:38,200 --> 00:14:41,400 Speaker 1: Over twenty twenty one, my subscriber base grew to about 335 00:14:41,400 --> 00:14:45,080 Speaker 1: one hundred twenty five thousand subscribers. My views exploded too, 336 00:14:45,480 --> 00:14:48,120 Speaker 1: ending twenty twenty with about one hundred eighty eight thousand 337 00:14:48,240 --> 00:14:50,560 Speaker 1: views total in that month to almost one and a 338 00:14:50,600 --> 00:14:53,400 Speaker 1: half million by the end of twenty twenty one, and obviously, 339 00:14:53,440 --> 00:14:56,280 Speaker 1: the revenue that YouTube was paying me from all those 340 00:14:56,360 --> 00:15:00,360 Speaker 1: views exploded as well, peaking at thirteen thousand dollars in 341 00:15:00,400 --> 00:15:04,400 Speaker 1: October of twenty twenty one. Things were looking amazing but 342 00:15:05,840 --> 00:15:09,040 Speaker 1: that also means curveball was about to hit hard. I 343 00:15:09,120 --> 00:15:12,200 Speaker 1: decided I was smart, I had worked hard. I was 344 00:15:12,240 --> 00:15:14,880 Speaker 1: ready to change things up. So in twenty twenty two, 345 00:15:15,240 --> 00:15:20,080 Speaker 1: I began integrating sponsored ad spots into my YouTube videos. 346 00:15:20,160 --> 00:15:22,800 Speaker 1: I went from averaging ten thousand dollars a month of 347 00:15:22,800 --> 00:15:26,000 Speaker 1: income to about fifty thousand dollars a month of income. 348 00:15:26,080 --> 00:15:28,600 Speaker 1: I used that extra money to hire an editing team 349 00:15:28,640 --> 00:15:30,280 Speaker 1: so that I didn't have to make my thumbnails where 350 00:15:30,280 --> 00:15:32,600 Speaker 1: I'd hit my videos anymore. Instead of working sixty to 351 00:15:32,640 --> 00:15:34,480 Speaker 1: eighty hours a week, I was able to go down 352 00:15:34,520 --> 00:15:36,800 Speaker 1: to working only twenty or thirty hours a week, spent 353 00:15:36,840 --> 00:15:39,120 Speaker 1: a lot more time with my wife and kids, started 354 00:15:39,120 --> 00:15:41,720 Speaker 1: working out every day, and I was making more each 355 00:15:41,880 --> 00:15:44,960 Speaker 1: month than just seven years earlier I had been making 356 00:15:45,000 --> 00:15:48,080 Speaker 1: in an entire year. And the craziest part was that year. 357 00:15:48,200 --> 00:15:52,120 Speaker 1: In twenty twenty two, I finally became a millionaire on paper, 358 00:15:52,360 --> 00:15:54,800 Speaker 1: just a couple months before my thirtieth birthday. Now I 359 00:15:54,840 --> 00:15:57,720 Speaker 1: say on paper because it was in illiquid investments. I 360 00:15:57,720 --> 00:15:59,440 Speaker 1: didn't actually have it in my bank account, but it 361 00:15:59,520 --> 00:16:02,000 Speaker 1: was still technical net worth. I could check off on 362 00:16:02,040 --> 00:16:03,600 Speaker 1: my box that I hit that goal, that I had 363 00:16:03,640 --> 00:16:07,320 Speaker 1: set for years prior, but all of these changes brought 364 00:16:07,360 --> 00:16:10,360 Speaker 1: about a huge set of problems that would take me 365 00:16:10,760 --> 00:16:13,480 Speaker 1: a long time to recover from. Number One, when I 366 00:16:13,560 --> 00:16:17,160 Speaker 1: hired my editing team, I stopped paying attention. I took 367 00:16:17,200 --> 00:16:19,160 Speaker 1: my foot off the gas, I stopped working as hard, 368 00:16:19,160 --> 00:16:21,600 Speaker 1: stopped focusing on the things that needed focusing on, and 369 00:16:21,720 --> 00:16:24,680 Speaker 1: over the course of the second half of twenty twenty two, 370 00:16:24,920 --> 00:16:27,840 Speaker 1: my views on my YouTube channel went from a peak 371 00:16:27,880 --> 00:16:30,640 Speaker 1: of one point seven million views in one month down 372 00:16:30,680 --> 00:16:32,880 Speaker 1: to half of that by the end of the year, 373 00:16:32,960 --> 00:16:35,840 Speaker 1: to eight hundred and fifty one thousand views. Every single 374 00:16:35,960 --> 00:16:39,320 Speaker 1: video I made had tons of people complaining in the 375 00:16:39,360 --> 00:16:43,000 Speaker 1: comments about my sponsors that I've been putting in the videos. Now, 376 00:16:43,040 --> 00:16:46,520 Speaker 1: I personally hated putting sponsored ads in my videos, but 377 00:16:46,560 --> 00:16:49,400 Speaker 1: at this point I couldn't stop because I had a 378 00:16:49,440 --> 00:16:51,880 Speaker 1: team of editors that I had to pay to continue 379 00:16:51,920 --> 00:16:54,040 Speaker 1: making my videos for me, and if I did decide 380 00:16:54,080 --> 00:16:56,640 Speaker 1: to fire them, then I'd have to start doing that again, 381 00:16:56,760 --> 00:16:58,960 Speaker 1: going back to working sixty eighty hours a week, and 382 00:16:59,040 --> 00:17:02,160 Speaker 1: I was burned out by January of twenty twenty three. 383 00:17:02,320 --> 00:17:05,200 Speaker 1: Just one year ago, my channel views hit seven hundred 384 00:17:05,240 --> 00:17:07,560 Speaker 1: and forty thousand views in one month, and I thought 385 00:17:07,600 --> 00:17:10,119 Speaker 1: my channel had died. I thought I had killed it. 386 00:17:10,200 --> 00:17:13,160 Speaker 1: So I had to have a tough conversation with my team. 387 00:17:13,320 --> 00:17:16,280 Speaker 1: We completely changed things up in a last ditch effort 388 00:17:16,359 --> 00:17:19,600 Speaker 1: to turn things around. Over the course of twenty twenty three, 389 00:17:19,720 --> 00:17:22,560 Speaker 1: starting in January, I was doing ten to twelve videos 390 00:17:22,600 --> 00:17:25,360 Speaker 1: a week. We started reducing the frequency. We went from 391 00:17:25,400 --> 00:17:27,720 Speaker 1: ten to twelve down to seven videos a week, down 392 00:17:27,720 --> 00:17:29,720 Speaker 1: to five videos a week, down to four videos a week, 393 00:17:29,720 --> 00:17:31,879 Speaker 1: than down to three videos a week. Every time we 394 00:17:31,960 --> 00:17:35,600 Speaker 1: reduced the frequency, I gave my editing team more time 395 00:17:35,920 --> 00:17:39,160 Speaker 1: to make higher quality graphics and animations, and I also 396 00:17:39,200 --> 00:17:42,679 Speaker 1: gave myself more time to make better quality videos and 397 00:17:42,760 --> 00:17:46,800 Speaker 1: again especially make videos that you actually wanted to watch. 398 00:17:46,840 --> 00:17:49,040 Speaker 1: And by the end of the year, in November of 399 00:17:49,040 --> 00:17:51,800 Speaker 1: twenty twenty three, I had hit a new all time 400 00:17:51,880 --> 00:17:54,840 Speaker 1: record of one point seven to four million views in 401 00:17:54,880 --> 00:17:57,240 Speaker 1: one month, and their revenue had hit a brand new 402 00:17:57,240 --> 00:18:00,919 Speaker 1: record as well the same month, sixteen thousand, five hundred 403 00:18:00,960 --> 00:18:04,200 Speaker 1: dollars just from YouTube. Now, that was not the only 404 00:18:04,320 --> 00:18:06,960 Speaker 1: change that I made last year, because at the beginning 405 00:18:06,960 --> 00:18:09,920 Speaker 1: of last year I was so terrified that I had 406 00:18:10,000 --> 00:18:13,040 Speaker 1: killed my business. That I realized that if for some 407 00:18:13,080 --> 00:18:15,360 Speaker 1: reason YouTube shut off or they banned me or cut 408 00:18:15,359 --> 00:18:17,520 Speaker 1: me off or something happened, then I had worked all 409 00:18:17,560 --> 00:18:21,240 Speaker 1: those years and I had nothing outside of somebody else's control. 410 00:18:21,320 --> 00:18:24,040 Speaker 1: I knew I had to create something else of value 411 00:18:24,080 --> 00:18:27,239 Speaker 1: outside of YouTube, a separate business vehicle, and so in 412 00:18:27,359 --> 00:18:31,160 Speaker 1: June of last year, I started building Haresy Financial University. 413 00:18:31,240 --> 00:18:36,120 Speaker 1: Harcy Financial University is literally the best place you can 414 00:18:36,160 --> 00:18:41,040 Speaker 1: go for in depth financial education about all things making 415 00:18:41,080 --> 00:18:43,879 Speaker 1: more money, increasing your wealth, and protecting your wealth. And 416 00:18:43,920 --> 00:18:47,679 Speaker 1: it's all sourced from number one, my own journey, my 417 00:18:47,760 --> 00:18:50,679 Speaker 1: own mistakes, everything that I've learned in my career or 418 00:18:50,760 --> 00:18:52,840 Speaker 1: things that I've had to pay for to learn. I 419 00:18:52,880 --> 00:18:55,120 Speaker 1: teach people number one, how to get out of debt 420 00:18:55,160 --> 00:18:58,119 Speaker 1: the fastest and best way possible, because guess what, I 421 00:18:58,160 --> 00:18:59,520 Speaker 1: had to do that, and if I can do it, 422 00:18:59,560 --> 00:19:01,320 Speaker 1: you can do it faster. You just have to have 423 00:19:01,400 --> 00:19:03,480 Speaker 1: somebody point you in the right direction and follow the 424 00:19:03,560 --> 00:19:05,879 Speaker 1: right steps. I teach members how to build a six 425 00:19:06,000 --> 00:19:08,400 Speaker 1: figure side hustle because I did it the wrong way. 426 00:19:08,440 --> 00:19:11,560 Speaker 1: If you can build a business on the side scale 427 00:19:11,600 --> 00:19:13,960 Speaker 1: to six figures, that'll give you the escape patch. To 428 00:19:14,040 --> 00:19:16,720 Speaker 1: quit your business and then jump into something that's already 429 00:19:16,720 --> 00:19:19,200 Speaker 1: producing income. Making six figures a year in a side 430 00:19:19,280 --> 00:19:21,879 Speaker 1: hustle is actually very easy. You just need to know 431 00:19:21,920 --> 00:19:24,320 Speaker 1: the right things to do. From my time as a stockbroker, 432 00:19:24,400 --> 00:19:27,840 Speaker 1: I also learned a lot about trading and options at 433 00:19:27,880 --> 00:19:31,280 Speaker 1: technical analysis and fundamental analysis and how to allocate the 434 00:19:31,320 --> 00:19:35,000 Speaker 1: assets in your portfolio and long term wealth management and 435 00:19:35,200 --> 00:19:37,560 Speaker 1: all of that. I have training material to teach people 436 00:19:37,560 --> 00:19:40,000 Speaker 1: how to do this all the right way, so you 437 00:19:40,080 --> 00:19:43,119 Speaker 1: make a lot more money over your investing career and 438 00:19:43,280 --> 00:19:46,119 Speaker 1: lose a lot less. Risk management is key to this, 439 00:19:46,480 --> 00:19:49,400 Speaker 1: the biggest missing part, so I include and teach all 440 00:19:49,440 --> 00:19:52,600 Speaker 1: of this to all members of Harisy Financial University. There's 441 00:19:52,640 --> 00:19:55,800 Speaker 1: literally nothing like this out there. I've personally spent close 442 00:19:55,840 --> 00:19:59,480 Speaker 1: to six figures on courses and consulting and financial education 443 00:19:59,640 --> 00:20:02,800 Speaker 1: and and coaching, and there is nothing like this out there. 444 00:20:02,840 --> 00:20:05,920 Speaker 1: I've taken everything I've learned from all my mistakes and 445 00:20:06,160 --> 00:20:09,920 Speaker 1: all my larger wins and successes now and piled all 446 00:20:09,960 --> 00:20:13,959 Speaker 1: into one membership with a community live streams, and a 447 00:20:14,040 --> 00:20:17,359 Speaker 1: lot more content and features planned coming down the road 448 00:20:17,440 --> 00:20:20,119 Speaker 1: that I haven't revealed yet. All available to members of 449 00:20:20,160 --> 00:20:23,399 Speaker 1: Harisy Financial University. And I'm literally not joking when I 450 00:20:23,480 --> 00:20:26,760 Speaker 1: say that I wish every single person who watches my 451 00:20:26,800 --> 00:20:30,480 Speaker 1: YouTube videos would join and become a member, because if 452 00:20:30,480 --> 00:20:33,720 Speaker 1: you even implement a fraction of what you learn, it 453 00:20:33,760 --> 00:20:36,200 Speaker 1: will pay for itself. Thousands of times over. I get 454 00:20:36,200 --> 00:20:38,560 Speaker 1: messages from people all the time saying, hey, I just 455 00:20:38,560 --> 00:20:41,240 Speaker 1: did one thing here, and that one thing just paid 456 00:20:41,320 --> 00:20:43,399 Speaker 1: for my entire membership for the whole year. And so 457 00:20:43,440 --> 00:20:47,080 Speaker 1: I started building Harisey Financial University in June, and over 458 00:20:47,119 --> 00:20:49,600 Speaker 1: the course of the rest of twenty twenty three it 459 00:20:49,720 --> 00:20:52,879 Speaker 1: start to grow and grow and grow. So by the 460 00:20:52,960 --> 00:20:56,000 Speaker 1: end of twenty twenty three, I had three main income streams. 461 00:20:56,119 --> 00:20:59,760 Speaker 1: Number one YouTube paying on average ten thousand dollars a month. 462 00:21:00,040 --> 00:21:03,400 Speaker 1: Umber two. I still had sponsors, which would range from 463 00:21:03,480 --> 00:21:06,320 Speaker 1: thirty to fifty thousand dollars a month on average. But 464 00:21:06,400 --> 00:21:09,040 Speaker 1: by the end of twenty twenty three, I had reached 465 00:21:09,200 --> 00:21:13,840 Speaker 1: seventy thousand dollars in monthly recurring revenue from Harrisey Financial University. 466 00:21:14,000 --> 00:21:17,720 Speaker 1: So in November, my total business revenue was one hundred 467 00:21:17,800 --> 00:21:21,320 Speaker 1: fifty two thousand dollars. In December it was ninety two 468 00:21:21,400 --> 00:21:25,399 Speaker 1: thousand dollars, and so far in January it's one hundred 469 00:21:25,440 --> 00:21:28,720 Speaker 1: twenty five thousand dollars. And yes, that is just revenue, 470 00:21:28,800 --> 00:21:33,480 Speaker 1: but currently my profit margins are in excess of ninety percent, 471 00:21:33,600 --> 00:21:36,960 Speaker 1: which is absolutely crazy. But I actually have a personal 472 00:21:37,000 --> 00:21:39,920 Speaker 1: income of over six figures per month as a result 473 00:21:40,440 --> 00:21:44,080 Speaker 1: starting this year, and you've probably already noticed already, but 474 00:21:44,200 --> 00:21:46,439 Speaker 1: starting in January first, I was finally able to do 475 00:21:46,560 --> 00:21:49,000 Speaker 1: something I've been wanting to do for over two years now. 476 00:21:49,600 --> 00:21:52,880 Speaker 1: I fired all my sponsors, and it's not because there's 477 00:21:52,880 --> 00:21:55,200 Speaker 1: anything wrong with them. I actually still love every single 478 00:21:55,240 --> 00:21:58,520 Speaker 1: one of them. You've heard me talk about Vaulted One, Gold, 479 00:21:58,640 --> 00:22:03,400 Speaker 1: I Trust, Capital, Monitor Metals, Swan Bitcoin, There's some others 480 00:22:03,480 --> 00:22:06,040 Speaker 1: over and over and over again, and they're great companies. 481 00:22:06,080 --> 00:22:08,879 Speaker 1: I still use them personally, I still recommend them, but 482 00:22:09,359 --> 00:22:12,400 Speaker 1: I don't like having sponsored ad spots in my videos. 483 00:22:12,720 --> 00:22:16,159 Speaker 1: The whole reason why I make YouTube videos is because 484 00:22:16,560 --> 00:22:21,719 Speaker 1: I want to make the best, most real, easiest to understand, 485 00:22:21,880 --> 00:22:27,119 Speaker 1: most accessible, most true financial education available to absolutely as 486 00:22:27,119 --> 00:22:30,600 Speaker 1: many people as possible. And my opinion is that having 487 00:22:30,600 --> 00:22:33,680 Speaker 1: a sponsored ad segment takes away from that. And now 488 00:22:33,760 --> 00:22:36,359 Speaker 1: I don't need to have sponsored ads anymore. With seventy 489 00:22:36,440 --> 00:22:40,639 Speaker 1: thousand dollars in monthly recurring revenue from just Haresey Financial University, 490 00:22:40,840 --> 00:22:44,040 Speaker 1: there is more than enough to continue keeping my business 491 00:22:44,160 --> 00:22:47,439 Speaker 1: running without sponsors. So obviously I'm going to be taking 492 00:22:47,560 --> 00:22:50,399 Speaker 1: a big cut in revenue for the time being, but 493 00:22:50,480 --> 00:22:53,120 Speaker 1: ultimately I do think that this is going to translate 494 00:22:53,119 --> 00:22:55,840 Speaker 1: into much more income down the road because the market 495 00:22:55,840 --> 00:22:58,840 Speaker 1: has spoken about Haresy Financial University and the value there. 496 00:22:58,880 --> 00:23:02,280 Speaker 1: I've got hundreds of active monthly recurring members, and if 497 00:23:02,320 --> 00:23:05,320 Speaker 1: you join you'll see why. Now. Very obviously, my financial 498 00:23:05,359 --> 00:23:07,840 Speaker 1: journey has had some really really high highs and some 499 00:23:08,040 --> 00:23:10,760 Speaker 1: really really low lows. Multiple times in my life when 500 00:23:10,800 --> 00:23:13,160 Speaker 1: I had a bunch of debt and was making no money, 501 00:23:13,200 --> 00:23:15,480 Speaker 1: to when I didn't have any debt but I had 502 00:23:15,480 --> 00:23:17,720 Speaker 1: a baby and a wife at home and was making 503 00:23:17,760 --> 00:23:20,000 Speaker 1: no money, to when I quit my job and was 504 00:23:20,080 --> 00:23:22,280 Speaker 1: making no money and had two kids and a wife 505 00:23:22,320 --> 00:23:24,320 Speaker 1: at home. I've had plenty of times in my life 506 00:23:24,359 --> 00:23:27,600 Speaker 1: where I literally couldn't sleep fall asleep at night because 507 00:23:27,640 --> 00:23:31,240 Speaker 1: I was so stressed, feeling almost sick to my stomach 508 00:23:31,320 --> 00:23:32,920 Speaker 1: because I didn't know how we were going to pay 509 00:23:32,920 --> 00:23:35,199 Speaker 1: the bills, seeing how these money problems get in the 510 00:23:35,200 --> 00:23:38,600 Speaker 1: way of personal relationships, being able to help others, being 511 00:23:38,640 --> 00:23:42,480 Speaker 1: able to hire others, give people jobs, give generously to 512 00:23:42,560 --> 00:23:45,400 Speaker 1: those who are in need. Money can't solve every problem, 513 00:23:45,440 --> 00:23:48,720 Speaker 1: but it can solve every money problem. And most problems 514 00:23:49,080 --> 00:23:52,240 Speaker 1: are just money problems in disguise. And it took me 515 00:23:52,560 --> 00:23:55,640 Speaker 1: ten years to go from absolutely broke with a negative 516 00:23:55,640 --> 00:23:59,760 Speaker 1: net worth to multimillion dollar net worth making six figures 517 00:23:59,760 --> 00:24:02,320 Speaker 1: of month in personal income. But if I had learned 518 00:24:02,359 --> 00:24:05,280 Speaker 1: the right tools to use and the right steps to 519 00:24:05,320 --> 00:24:07,600 Speaker 1: take along the way, that path would have been a 520 00:24:07,800 --> 00:24:10,159 Speaker 1: lot shorter. And the biggest thing that I want to 521 00:24:10,200 --> 00:24:13,320 Speaker 1: communicate here is that if I can do this, anybody 522 00:24:13,359 --> 00:24:16,800 Speaker 1: can do it faster and better. I have no business 523 00:24:16,840 --> 00:24:18,720 Speaker 1: being in the position that I'm in today, with my 524 00:24:18,760 --> 00:24:21,720 Speaker 1: parents having credit card debt pretty much my entire life 525 00:24:21,800 --> 00:24:24,399 Speaker 1: and never getting ahead financially, to losing everything in the 526 00:24:24,400 --> 00:24:26,879 Speaker 1: financial crisis, and me having to go off to college 527 00:24:26,920 --> 00:24:29,800 Speaker 1: and pay my own way, graduating with a negative networth, 528 00:24:29,840 --> 00:24:32,800 Speaker 1: tons of student debt, nothing in my bank account, no degree, 529 00:24:32,920 --> 00:24:37,119 Speaker 1: no skills, no income, absolutely nothing that you need to 530 00:24:37,119 --> 00:24:40,160 Speaker 1: get started making money. But just because you come from 531 00:24:40,160 --> 00:24:43,240 Speaker 1: a circumstance that is broken from a family with no 532 00:24:43,400 --> 00:24:47,040 Speaker 1: money because you were taught the wrong things financially growing up. 533 00:24:47,240 --> 00:24:50,120 Speaker 1: That is no excuse. In fact, that burden you can 534 00:24:50,200 --> 00:24:53,040 Speaker 1: release that you are free to choose your own path. 535 00:24:53,080 --> 00:24:55,360 Speaker 1: And it might take five years, it might take ten 536 00:24:55,440 --> 00:24:58,040 Speaker 1: years like me, it might even take longer. But choosing 537 00:24:58,080 --> 00:25:01,280 Speaker 1: to get the financial education you need, choosing to learn 538 00:25:01,320 --> 00:25:04,200 Speaker 1: and use the right tools and follow the right steps 539 00:25:04,520 --> 00:25:06,879 Speaker 1: will get you there, no matter what you've done in 540 00:25:06,920 --> 00:25:09,199 Speaker 1: the past, and no matter how hard it's been for you. 541 00:25:09,359 --> 00:25:12,080 Speaker 1: So follow along, join me, We'll get there together.