0:00:06.879,0:00:10.960
guys welcome to another episode of

0:00:08.639,0:00:12.799
cleaning cocktails i'm super excited

0:00:10.960,0:00:14.480
again you guys are getting the the feel

0:00:12.799,0:00:17.359
of the new studio that we got going on

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here uh i as i always promised you guys

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right i'm gonna bring people on the show

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not only just from the cleaning industry

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but professionals in business that help

0:00:24.320,0:00:28.400
you grow your business

0:00:26.480,0:00:29.760
get to a level that you know again as

0:00:28.400,0:00:30.960
business owners we don't need to know

0:00:29.760,0:00:32.719
everything but we need to have the

0:00:30.960,0:00:35.440
people around us that are going to help

0:00:32.719,0:00:37.600
us grow and scale so again you know the

0:00:35.440,0:00:39.280
show is about empowering the space

0:00:37.600,0:00:41.360
giving you guys as much nuggets and

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information to grow your businesses

0:00:41.360,0:00:44.960
scale your businesses and reach the

0:00:43.280,0:00:47.600
heights of success that you feel is

0:00:44.960,0:00:49.920
success so today i'm super honored i got

0:00:47.600,0:00:51.440
a close friend of mine ulysses

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thank you for being here man what you

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guys need to know is he is my financial

0:00:54.160,0:00:58.480
planner he helps us with investments he

0:00:56.480,0:01:00.480
helps us with my 401k

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i've i think it's been three or four

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years now i've been trying for about

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like five years but then he finally said

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yes

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yes

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so this is true talk about sales

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he hounded me for a few years before i

0:01:10.880,0:01:16.080
jumped on board but what why i wanted to

0:01:13.439,0:01:18.479
bring ulysses on to the show is

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as i've been growing my business and and

0:01:18.479,0:01:22.640
the businesses that i have

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financial wealth planning financial

0:01:22.640,0:01:26.799
planning understanding finances has

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become more and more crucial than ever

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before

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so

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and if you guys were like how i was in

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the beginning which a lot of people are

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is

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i didn't take finances to that level i

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didn't think it was important i thought

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hey i'm a small business owner i'm

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barely you know i'm making paycheck to

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paycheck i need to make all the money

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for myself these were the feelings that

0:01:44.880,0:01:49.360
i had early on and i never went to a

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financial planner i never understood

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what it was to manage my finances

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um

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but thank god i met you this is cause

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this guy broke it down as simple stupid

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as possible

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for me to understand where my money was

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gonna go when it needed to go

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what stage everything needed to happen

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uh give us an inside look at your

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journey because yeah you've seen the

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show

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i like to share stories man and i feel

0:02:12.480,0:02:14.800
like you have a great story i mean look

0:02:13.840,0:02:16.239
this guy

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you guys don't even know

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you don't want to see what's under here

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but this guy is dressed to the nines but

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this is who ulysses is so bro take it

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away man appreciate it man super pumped

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up to be here cheers cheers brother

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thank you

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you know i um so i grew up not far from

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here um and back then it wasn't called

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albany park it is now but my mom was a

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single mom right and

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like most latinos we didn't grow up

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talking around saving investing right

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like

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she used to sell door-to-door cables

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right so i think that's where i got my

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sales stuff in the beginning

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is she was this ultimate salesperson

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right but my father was in federal

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prison right so he wasn't around he left

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us when we were seven years old so the

0:02:57.760,0:03:01.200
money talk was not on the table for us

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if anything we were on survivor mode

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right like i remember

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you know trying to wear down the balls

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of my shoes so i could get some new

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shoes or see my buddies with jordan's or

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their dad's playing with them and just

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not being a part of that and that would

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just drive me nuts but i also knew our

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place right

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um but money was never

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it was a big insecurity in my space more

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than anything

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uh but i ended up going to school in

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nepal i got a degree blindly because my

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mom she got a job at northwestern

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university as a dean's assistant

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she says you know what william go get a

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degree in finance i see a lot of

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applications coming in and that's their

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major and like what does that mean and

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she's like i don't know but a lot of

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people are applying that's their major

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so do that just do it financial

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consulting i'm like i don't even know

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what that means

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but you know i'm the oldest in the

0:03:42.879,0:03:48.480
family i have one awesome brother um and

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i just felt it was my obligation as the

0:03:48.480,0:03:52.879
head of my household and that degree to

0:03:51.040,0:03:54.879
do right right like to not mess it up

0:03:52.879,0:03:55.599
and not repeat my father's mistakes

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so

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i'm like okay mom you're gonna tell me

0:03:56.879,0:03:59.519
to do it so i'm gonna do it right so

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study finance they didn't know what it

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meant junior year wanted to skip that

0:04:02.080,0:04:05.519
major because it was hard you know it

0:04:03.280,0:04:07.040
was a topic i didn't understand you know

0:04:05.519,0:04:09.120
money compound issues i was like what

0:04:07.040,0:04:11.760
does that mean you know so this is a lot

0:04:09.120,0:04:14.879
of us yeah it's it's a foreign language

0:04:11.760,0:04:16.959
yeah it didn't stick and i remember i

0:04:14.879,0:04:19.840
was a junior and had a good buddy of

0:04:16.959,0:04:22.079
ours that you know he was buying a condo

0:04:19.840,0:04:23.680
mexican guy buying a condo on michigan

0:04:22.079,0:04:24.639
nav that was like 300 000 he was a

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senior

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and i was a junior it was 200 grand and

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he was calling it bank he's like i got

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this much saved up and then i have this

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much here and i was like wait you got

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like 40 50 grand you're a senior like

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you're a year older than me and you got

0:04:36.400,0:04:40.479
money i'm like damn i'm i i have like

0:04:38.960,0:04:41.680
200 bucks i'm gonna go buy an express

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shirt because i'm gonna go party at the

0:04:41.680,0:04:44.960
club tonight you know and i hope that i

0:04:43.520,0:04:46.400
have enough to buy a bottle of liquor

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with this money so it was just a

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different um landscape but i ended up

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i now as a reflect back in my career

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it's like a couple of stories of people

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having

0:04:54.720,0:04:59.120
balances that i remember really vividly

0:04:57.600,0:05:01.039
that made me start thinking i've got to

0:04:59.120,0:05:02.479
be in a position one day to just have

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some money so that i can have a seat at

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the table to do whatever moves may

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present itself in the future uh but at

0:05:06.639,0:05:10.960
the time it didn't stick because i just

0:05:08.080,0:05:12.400
didn't understand that world right so um

0:05:10.960,0:05:14.880
got my degree in finance and i worked as

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an analyst for a bigger corporation

0:05:14.880,0:05:18.960
crutching numbers um and that was fine

0:05:17.440,0:05:19.919
because i like numbers i like analytics

0:05:18.960,0:05:21.520
but i just

0:05:19.919,0:05:22.880
i remember my family asking me hey

0:05:21.520,0:05:24.400
should i do this to my 401k or what

0:05:22.880,0:05:26.160
should i do my investments because i was

0:05:24.400,0:05:28.080
a finance major but it's a different

0:05:26.160,0:05:29.520
language when it comes to saving

0:05:28.080,0:05:31.199
investing and growing your money versus

0:05:29.520,0:05:32.160
crunching numbers for a company yeah i

0:05:31.199,0:05:33.680
was just

0:05:32.160,0:05:34.960
it's like when people think accounting

0:05:33.680,0:05:36.000
like there's a lot of different elements

0:05:34.960,0:05:37.840
of accounting a lot of different

0:05:36.000,0:05:39.199
elements right so corporate it's easy to

0:05:37.840,0:05:41.120
do but the financial plan is the

0:05:39.199,0:05:43.120
emotional part of how do we go about

0:05:41.120,0:05:44.800
making decisions right with are we

0:05:43.120,0:05:46.720
saving do we not buy this different

0:05:44.800,0:05:48.479
things like that right so for me i was

0:05:46.720,0:05:49.919
like getting stuck where i need a

0:05:48.479,0:05:51.759
financial advisor and i'm a finance

0:05:49.919,0:05:53.520
major right my family's asking me stuff

0:05:51.759,0:05:54.880
like that so at the time i remember

0:05:53.520,0:05:56.319
reaching out to a friend of mine she

0:05:54.880,0:05:57.919
worked at this one firm she had a really

0:05:56.319,0:05:59.680
cool um

0:05:57.919,0:06:01.440
name i can't even reveal it right now

0:05:59.680,0:06:02.720
because tell her who she is but i

0:06:01.440,0:06:04.960
remember

0:06:02.720,0:06:07.199
i i got engaged to my wife jennifer at

0:06:04.960,0:06:09.919
25 and i have a pit bull i have a

0:06:07.199,0:06:12.880
pivotal moment because 25 i'm like i got

0:06:09.919,0:06:14.960
to be a man you know and um

0:06:12.880,0:06:16.960
i didn't have a dime saved up to my name

0:06:14.960,0:06:18.479
i didn't have anything at all and but

0:06:16.960,0:06:21.120
i'm like i gotta just grow up right so i

0:06:18.479,0:06:23.919
propose my wife she said yes thankfully

0:06:21.120,0:06:26.639
and i had dumped in 250 into an e-trade

0:06:23.919,0:06:28.160
account bank america stock and that 250

0:06:26.639,0:06:30.000
grew about a year and a half later to

0:06:28.160,0:06:31.680
like 6 500 i took that money out and i

0:06:30.000,0:06:33.199
bought her engagement ring okay so i was

0:06:31.680,0:06:36.080
telling my babe i got your ring for like

0:06:33.199,0:06:37.280
250 bucks yeah yeah yeah yeah am i thank

0:06:36.080,0:06:38.560
god because i wouldn't have been able to

0:06:37.280,0:06:39.919
get your ring and all my other

0:06:38.560,0:06:41.280
co-workers are spending money i'm like

0:06:39.919,0:06:42.720
man how much did you spend on this and i

0:06:41.280,0:06:44.720
don't even know how to get that and i

0:06:42.720,0:06:46.000
remember having like uh six seven grand

0:06:44.720,0:06:47.759
in debt you know so this is the only

0:06:46.000,0:06:49.360
money i had on the ring

0:06:47.759,0:06:50.800
but we got we got engaged and i'm like

0:06:49.360,0:06:52.319
all right how are we going to pay for

0:06:50.800,0:06:54.240
this wedding and she grew up in the

0:06:52.319,0:06:55.759
burbs she grew up in glenview

0:06:54.240,0:06:57.199
so she i'm like your parents got this

0:06:55.759,0:06:58.960
right yeah take care of them come on

0:06:57.199,0:07:00.240
yeah and she's like no they live on

0:06:58.960,0:07:02.880
pensions i'm like but they live in the

0:07:00.240,0:07:04.240
burbs and you know your dad's white like

0:07:02.880,0:07:06.240
is that not

0:07:04.240,0:07:08.240
and she's like no we gotta do this

0:07:06.240,0:07:10.160
ourselves and at that point i'm like

0:07:08.240,0:07:11.919
crap like we gotta save for a wedding

0:07:10.160,0:07:13.520
you know like and i had no money saved

0:07:11.919,0:07:14.960
up right so

0:07:13.520,0:07:17.120
at that point i had to start figuring

0:07:14.960,0:07:19.120
out like i literally wrote down

0:07:17.120,0:07:20.880
every month how much i got to save

0:07:19.120,0:07:22.560
moved back home to my mom

0:07:20.880,0:07:23.840
lived under college for that year and

0:07:22.560,0:07:25.599
then every month tracked how much money

0:07:23.840,0:07:27.280
we started saving this wedding

0:07:25.599,0:07:28.880
but it taught me a really good lesson

0:07:27.280,0:07:30.639
and likes creating a goal right very

0:07:28.880,0:07:31.759
simple thing yeah so a question i get

0:07:30.639,0:07:33.039
asked a lot of times like what's the

0:07:31.759,0:07:34.240
best place to save money and i was

0:07:33.039,0:07:36.800
telling like when do you plan on taking

0:07:34.240,0:07:37.840
that money out right i needed this money

0:07:36.800,0:07:39.919
within a year because i want to get

0:07:37.840,0:07:42.000
married in a year so i'm just saving old

0:07:39.919,0:07:44.879
school my checking account right or old

0:07:42.000,0:07:46.479
school right but um so i saved and i was

0:07:44.879,0:07:48.080
able to save like 30 grand that year i

0:07:46.479,0:07:49.840
was like wow you know so we paid for our

0:07:48.080,0:07:52.080
wedding give me a little bit of money on

0:07:49.840,0:07:53.440
that wedding and then after what

0:07:52.080,0:07:55.199
afterwards i remember going to an

0:07:53.440,0:07:57.599
advisor i said have i have money saved

0:07:55.199,0:07:58.800
up i have 30 000 saved up in mind you

0:07:57.599,0:08:00.240
had like seven grand in credit card debt

0:07:58.800,0:08:03.120
i can tell you mom about this it's

0:08:00.240,0:08:04.960
navigating through building a wedding um

0:08:03.120,0:08:06.720
but i went to an advisor at the time and

0:08:04.960,0:08:08.720
i said hey what can i do with this now

0:08:06.720,0:08:10.639
and at the time i was 26

0:08:08.720,0:08:11.599
and um she was like call me when you got

0:08:10.639,0:08:12.879
50.

0:08:11.599,0:08:14.879
and it was like

0:08:12.879,0:08:16.240
it it took the the wind out of my sails

0:08:14.879,0:08:17.840
because i was so proud to get to this

0:08:16.240,0:08:18.960
point coming from nothing to have this

0:08:17.840,0:08:21.280
and it wasn't that much because he my

0:08:18.960,0:08:24.319
buddy who bought a condo when he was 19

0:08:21.280,0:08:25.919
i'm 26 now i had way more money

0:08:24.319,0:08:26.800
and i was just like i was probably

0:08:25.919,0:08:28.560
saying that she's like calling me when

0:08:26.800,0:08:31.039
you got 50 and i was just like damn

0:08:28.560,0:08:32.320
where do i turn to right yeah so i felt

0:08:31.039,0:08:33.760
really uh

0:08:32.320,0:08:35.360
like unmotivated at that point and kind

0:08:33.760,0:08:36.959
of defeated but i told my wife like we

0:08:35.360,0:08:38.959
got to make the right decisions with

0:08:36.959,0:08:41.440
this future right so

0:08:38.959,0:08:43.360
uh i leaned on another buddy um and

0:08:41.440,0:08:44.959
reached out and started to to figure out

0:08:43.360,0:08:46.640
what do we start doing baby steps right

0:08:44.959,0:08:47.839
but it kind of got me in that point

0:08:46.640,0:08:49.519
where i'm like i'm not the only one

0:08:47.839,0:08:50.959
that's kind of like getting to a point

0:08:49.519,0:08:52.560
where you got nothing you started build

0:08:50.959,0:08:54.720
up little by little and who do you turn

0:08:52.560,0:08:56.240
to so i find that my story was like kind

0:08:54.720,0:08:58.080
of similar to people like hey i don't

0:08:56.240,0:08:59.040
know who to talk to my friends i can't

0:08:58.080,0:09:01.440
talk to them about this because i'm

0:08:59.040,0:09:02.880
embarrassed yeah i made mistakes i have

0:09:01.440,0:09:04.560
a different hustle but a lot of that's

0:09:02.880,0:09:05.839
pride like me as a man surprise i'm

0:09:04.560,0:09:08.320
asking man like

0:09:05.839,0:09:09.920
yeah yeah 100 pride right so i i

0:09:08.320,0:09:11.120
couldn't reveal that i had debt i

0:09:09.920,0:09:12.560
couldn't tell my mom she couldn't bail

0:09:11.120,0:09:13.920
me out i couldn't tell my brother he

0:09:12.560,0:09:15.440
left out to me so it was really

0:09:13.920,0:09:17.040
embarrassing but i need to make some

0:09:15.440,0:09:18.240
changes and thank god you know we had

0:09:17.040,0:09:20.080
this wedding the way to save for because

0:09:18.240,0:09:21.760
they forced me to grow up but had i not

0:09:20.080,0:09:23.839
had this goal i probably would have kept

0:09:21.760,0:09:25.839
going on that path of popping bottles

0:09:23.839,0:09:26.800
every weekend and living paycheck to

0:09:25.839,0:09:28.800
paycheck but a lot of that was

0:09:26.800,0:09:30.959
self-driven you know short-term

0:09:28.800,0:09:32.480
purchases yeah you feel better it's like

0:09:30.959,0:09:34.560
everybody wants to become a millionaire

0:09:32.480,0:09:35.680
and hit a big splash but it's like doing

0:09:34.560,0:09:37.839
the right thing for a long period of

0:09:35.680,0:09:39.440
time yeah have your money grind too like

0:09:37.839,0:09:40.880
you're grinding like your money actually

0:09:39.440,0:09:42.880
has to grind if you're gonna start from

0:09:40.880,0:09:44.800
scratch your money needs to grind so

0:09:42.880,0:09:46.240
that's a big thing it's like everybody

0:09:44.800,0:09:48.320
wants to make fast money fast money goes

0:09:46.240,0:09:50.240
away fast but your money be long term

0:09:48.320,0:09:52.160
for yourself it's gotta grind with you

0:09:50.240,0:09:53.839
and as you have those pops man there's a

0:09:52.160,0:09:55.279
lot of cool things that start to happen

0:09:53.839,0:09:57.120
but just like yourself your money's at a

0:09:55.279,0:09:58.320
grind if you're self-made and that's why

0:09:57.120,0:10:00.160
i love working with business owners i

0:09:58.320,0:10:02.959
got into space because that's right yeah

0:10:00.160,0:10:04.079
because i i didn't grow up with much

0:10:02.959,0:10:05.440
people didn't grow a lot of people

0:10:04.079,0:10:06.880
didn't grow up as much right so you know

0:10:05.440,0:10:09.440
what unfortunately we all have that sob

0:10:06.880,0:10:10.800
story right like we all have a sad story

0:10:09.440,0:10:12.720
but that's awesome that's fuel to your

0:10:10.800,0:10:13.839
fire you know at this point we've got

0:10:12.720,0:10:15.120
kids

0:10:13.839,0:10:16.560
what kind of sob story are they gonna

0:10:15.120,0:10:18.079
have but to building grit for them

0:10:16.560,0:10:19.920
they're not to have that same stop story

0:10:18.079,0:10:21.600
we have hopefully they don't right but

0:10:19.920,0:10:22.800
how do we make them grit and fight for

0:10:21.600,0:10:24.959
their stuff right because you need grit

0:10:22.800,0:10:26.560
to grow like you know how do you how do

0:10:24.959,0:10:28.560
you be motivated right like

0:10:26.560,0:10:30.000
so you know for me i needed that grit

0:10:28.560,0:10:31.839
and i needed that pressure a family to

0:10:30.000,0:10:33.360
make sure that i got my decisions right

0:10:31.839,0:10:34.880
but that was scary a lot of times but i

0:10:33.360,0:10:36.880
think that's common with a lot of folks

0:10:34.880,0:10:38.160
that are growing so you know i got into

0:10:36.880,0:10:39.680
the space because i love aligning with

0:10:38.160,0:10:41.120
people we have the same mindset you know

0:10:39.680,0:10:42.560
and you were alluding to this before

0:10:41.120,0:10:44.240
it's like you know what sets you apart

0:10:42.560,0:10:45.360
from other financial planners advisors

0:10:44.240,0:10:47.120
there's a dime a dozen and there's a lot

0:10:45.360,0:10:49.600
of us out there guys yeah way better

0:10:47.120,0:10:52.160
looking thinner better suits a lot

0:10:49.600,0:10:54.720
taller but i think the big thing is that

0:10:52.160,0:10:56.720
uh being in a low end in life and then

0:10:54.720,0:10:59.279
starting to work your way up by yourself

0:10:56.720,0:11:01.200
but having a good tribe around you

0:10:59.279,0:11:02.800
for me i could always appreciate

0:11:01.200,0:11:04.880
somebody's journey and would never care

0:11:02.800,0:11:06.959
more about your money than yourself

0:11:04.880,0:11:08.000
right so like i tell people a lot of

0:11:06.959,0:11:09.519
your friends are going to be envious of

0:11:08.000,0:11:10.959
your success because they're hating on

0:11:09.519,0:11:12.480
you and some degree they don't they want

0:11:10.959,0:11:13.680
to be successful not more successful

0:11:12.480,0:11:15.360
than them yeah

0:11:13.680,0:11:18.399
right so i can give you enough advice

0:11:15.360,0:11:20.240
but not to get beyond them yeah to me

0:11:18.399,0:11:21.680
as an advisor i have a vested interest

0:11:20.240,0:11:23.279
we get like one percent of money we

0:11:21.680,0:11:24.959
manage people right so i want you to be

0:11:23.279,0:11:26.399
as rich as possible so i tell people i'm

0:11:24.959,0:11:28.079
like i want to make sure that you become

0:11:26.399,0:11:29.519
the richest version of yourself possible

0:11:28.079,0:11:31.120
and everyone can help facilitate that

0:11:29.519,0:11:33.040
through introducing you to good

0:11:31.120,0:11:34.720
relationships getting your deals helping

0:11:33.040,0:11:37.279
your money grow like all that stuff like

0:11:34.720,0:11:38.720
i want to be wildly successful yeah so

0:11:37.279,0:11:40.480
i tell people that it's like oh my

0:11:38.720,0:11:41.680
investments can you lose money values go

0:11:40.480,0:11:43.600
up and down and we'll go into that stuff

0:11:41.680,0:11:45.040
later on but we have invested interest

0:11:43.600,0:11:47.200
making sure you do well because i want

0:11:45.040,0:11:49.120
you to grow and unlock your friends that

0:11:47.200,0:11:50.560
want to hate on your success yeah i want

0:11:49.120,0:11:52.320
you to grow because at the end of the

0:11:50.560,0:11:54.079
day too you show me your circle and i'll

0:11:52.320,0:11:55.279
tell you who you are right and if my

0:11:54.079,0:11:57.040
circle is winning that means i'm also

0:11:55.279,0:11:57.920
winning to some degree too right so so

0:11:57.040,0:11:59.279
writing yourself around people you're in

0:11:57.920,0:12:01.200
my respect you're also going to kind of

0:11:59.279,0:12:03.920
level up to them too you know and your

0:12:01.200,0:12:06.079
money will level up too can i so take a

0:12:03.920,0:12:08.240
second here to say

0:12:06.079,0:12:09.600
this is probably the longest time i have

0:12:08.240,0:12:11.200
not said a word

0:12:09.600,0:12:13.040
and it's because you could the passion's

0:12:11.200,0:12:14.880
oozing out of you bro like it it really

0:12:13.040,0:12:16.480
is as far as you guys i hope you guys

0:12:14.880,0:12:18.079
see already in the first few minutes of

0:12:16.480,0:12:20.720
why i wanted to bring ulysses on and

0:12:18.079,0:12:22.959
julie so damn julie yeah whatever

0:12:20.720,0:12:25.680
whatever so yeah i mean

0:12:22.959,0:12:27.839
like the guys oozing out not maybe not

0:12:25.680,0:12:29.760
necessarily go the nuggets but just the

0:12:27.839,0:12:31.040
story that he's telling

0:12:29.760,0:12:32.959
should resonate with a lot of people i

0:12:31.040,0:12:34.800
mean you just hit three or four points

0:12:32.959,0:12:37.040
that i've never shared with anybody

0:12:34.800,0:12:40.399
which one that i'll share is

0:12:37.040,0:12:42.320
that journey of when you got engaged and

0:12:40.399,0:12:43.839
you had to get married so you know i

0:12:42.320,0:12:45.839
don't know if you know i think i've told

0:12:43.839,0:12:46.639
you i've been with marley for 20 years

0:12:45.839,0:12:48.800
right

0:12:46.639,0:12:50.720
uh we've been married since 16 so what

0:12:48.800,0:12:52.639
is it five years now so i was like what

0:12:50.720,0:12:55.120
the hell took you so long like what dude

0:12:52.639,0:12:56.800
you've been 20 years and you know

0:12:55.120,0:12:59.040
six you got just got married six years

0:12:56.800,0:13:01.040
ago uh but it's because when we started

0:12:59.040,0:13:03.440
the business that moment we started our

0:13:01.040,0:13:05.440
business was a moment we said

0:13:03.440,0:13:07.519
do we get married or do we build

0:13:05.440,0:13:08.880
something together we both chose let's

0:13:07.519,0:13:11.440
build something together because we were

0:13:08.880,0:13:13.200
saving up you know like to your point on

0:13:11.440,0:13:15.440
you know which is again i'm hearing a

0:13:13.200,0:13:18.079
trend in our conversation here is

0:13:15.440,0:13:20.160
you know planning milestone goals uh

0:13:18.079,0:13:23.600
he's talking about financial but it's

0:13:20.160,0:13:26.000
life life it's business it's you know

0:13:23.600,0:13:28.959
success it's everything is a plan

0:13:26.000,0:13:30.639
everything is goals and when people ask

0:13:28.959,0:13:32.079
that dude i did the same thing like

0:13:30.639,0:13:33.760
we're like all right we want a big

0:13:32.079,0:13:35.839
wedding i know you want a big wedding

0:13:33.760,0:13:37.920
marley uh okay it's gonna take us a few

0:13:35.839,0:13:39.680
years to get there but we saved every we

0:13:37.920,0:13:42.240
saved save saved because again same like

0:13:39.680,0:13:44.320
you we weren't fortunate to you know for

0:13:42.240,0:13:46.639
some the parents of each other to pay

0:13:44.320,0:13:48.240
for it we paid for everything

0:13:46.639,0:13:49.440
so and you have a lot of friends dude

0:13:48.240,0:13:51.760
that's uh yeah and you have to come

0:13:49.440,0:13:53.839
correct you got to come correct yeah so

0:13:51.760,0:13:55.600
like that that just again

0:13:53.839,0:13:57.120
references resin you know things that

0:13:55.600,0:13:59.120
resonate

0:13:57.120,0:14:01.040
man that's that dude let's keep keep

0:13:59.120,0:14:02.880
talking man keep talking keep keep

0:14:01.040,0:14:04.160
hitting us with if you guys can unders

0:14:02.880,0:14:06.639
see that

0:14:04.160,0:14:08.240
he just made that so simple as far as

0:14:06.639,0:14:09.040
understanding

0:14:08.240,0:14:10.959
what

0:14:09.040,0:14:13.120
financial wealth or the outlook looks

0:14:10.959,0:14:15.040
like differently for every single person

0:14:13.120,0:14:17.760
yeah right i think that's like

0:14:15.040,0:14:19.519
a thing that you know i'm i'm turning 37

0:14:17.760,0:14:22.160
in november right and

0:14:19.519,0:14:23.680
uh not long ago so mario lopez i'm a big

0:14:22.160,0:14:25.519
fan of him he's a mexican guy he's

0:14:23.680,0:14:28.720
stayed in shape i want to take his spot

0:14:25.519,0:14:28.720
and to be the next host dude

0:14:29.279,0:14:33.040
he's awesome he's a good family man

0:14:30.720,0:14:34.560
right so like he's he's busy he's always

0:14:33.040,0:14:36.320
dude he's always working he's working

0:14:34.560,0:14:37.440
he's got a beautiful family oh so you

0:14:36.320,0:14:40.320
know he's in hollywood i'm like you got

0:14:37.440,0:14:42.320
good hair yeah so all that stuff right

0:14:40.320,0:14:43.519
but um what was i going oh so i looked

0:14:42.320,0:14:45.519
them up one day like how old is mario

0:14:43.519,0:14:48.160
lopez right so he's like 50 years old in

0:14:45.519,0:14:50.399
my damn stop it he's 50 years old 50

0:14:48.160,0:14:52.639
years old what the [ __ ] so i said damn

0:14:50.399,0:14:54.800
he looks good for 50 you know and i say

0:14:52.639,0:14:56.399
wow i'm not that far removed from 50 and

0:14:54.800,0:14:58.560
i could think right now

0:14:56.399,0:15:00.560
50 i'm actually closer to 50 years old

0:14:58.560,0:15:02.240
than my 21st birthday and i remember my

0:15:00.560,0:15:04.320
21st birthday really vividly i remember

0:15:02.240,0:15:06.639
like you know partying and puking in a

0:15:04.320,0:15:08.000
cup and a golden nugget right you got a

0:15:06.639,0:15:09.519
golden nugget

0:15:08.000,0:15:10.839
and a golden nugget you know and it's a

0:15:09.519,0:15:12.880
restaurant here in

0:15:10.839,0:15:14.000
chicago yup and um

0:15:12.880,0:15:15.360
and it's funny though and it kind of

0:15:14.000,0:15:18.160
scared me though because i'm like wow

0:15:15.360,0:15:21.040
life just flies by right and in my 20s i

0:15:18.160,0:15:22.480
never thought two three years was a it

0:15:21.040,0:15:24.399
seemed like it was like a long time

0:15:22.480,0:15:25.839
ahead and ten years and somebody would

0:15:24.399,0:15:27.120
tell me hey save because in 10 years

0:15:25.839,0:15:29.199
you're going to need this it just

0:15:27.120,0:15:31.040
wouldn't resonate with me right because

0:15:29.199,0:15:32.320
10 years seems like such a long time i

0:15:31.040,0:15:33.839
got to worry about now like what do you

0:15:32.320,0:15:36.079
mean yes and even as business owners

0:15:33.839,0:15:38.240
right it's like man 10 years i need to

0:15:36.079,0:15:41.040
do now it's like yes invest bank in your

0:15:38.240,0:15:42.639
business now take care today but also

0:15:41.040,0:15:44.560
know that 10 years will come before you

0:15:42.639,0:15:46.320
know it five years of calm before no and

0:15:44.560,0:15:48.079
one thing i always hear from people all

0:15:46.320,0:15:49.440
the time is like man i wish i would have

0:15:48.079,0:15:51.120
known this stuff earlier on and would

0:15:49.440,0:15:52.720
have done it differently and i told him

0:15:51.120,0:15:54.320
you didn't know that you just didn't

0:15:52.720,0:15:55.600
fall on you it didn't resonate with you

0:15:54.320,0:15:57.680
because you just weren't there mentally

0:15:55.600,0:15:59.279
right my grandmother she had eight kids

0:15:57.680,0:16:00.639
my grandfather wasn't around damn trent

0:15:59.279,0:16:02.079
in our family like broken relationships

0:16:00.639,0:16:03.759
right yeah but you're around yeah but

0:16:02.079,0:16:05.199
i'm around that breaks it right but she

0:16:03.759,0:16:07.519
was always telling me you know julie

0:16:05.199,0:16:08.560
start saving your money and you know and

0:16:07.519,0:16:09.920
i was like i'll do it when i make more

0:16:08.560,0:16:10.959
money but what was i do when i was

0:16:09.920,0:16:12.079
partying and i'd say i do it in the

0:16:10.959,0:16:13.680
future i do everything is deferred

0:16:12.079,0:16:16.000
deferred deferred and i think one thing

0:16:13.680,0:16:17.519
i see a lot is as people make good money

0:16:16.000,0:16:19.040
it's actually like a hindrance on a lot

0:16:17.519,0:16:21.120
of stuff so making good money is

0:16:19.040,0:16:23.199
actually a bad thing early on and and

0:16:21.120,0:16:25.519
why is that because it allows us to

0:16:23.199,0:16:26.959
become better procrastinators right so

0:16:25.519,0:16:27.920
if you think about it you got a great

0:16:26.959,0:16:30.000
job

0:16:27.920,0:16:32.160
people making 100 grand a year out of

0:16:30.000,0:16:33.759
school doing something cool

0:16:32.160,0:16:35.519
well then you've got no incentive to

0:16:33.759,0:16:37.040
save money because in two weeks you turn

0:16:35.519,0:16:38.639
around you got money coming back in

0:16:37.040,0:16:41.279
right so it allows you to keep on

0:16:38.639,0:16:42.480
deferring the act of saving money right

0:16:41.279,0:16:43.839
and then you're like i'll do it later

0:16:42.480,0:16:45.680
i'll do it later because i keep having

0:16:43.839,0:16:47.360
money coming in here but once that job's

0:16:45.680,0:16:48.959
done your lifestyle is at this point you

0:16:47.360,0:16:50.160
don't have anything in there you lean on

0:16:48.959,0:16:51.839
debt and then it crushes everything

0:16:50.160,0:16:54.399
right so and i've experienced stuff like

0:16:51.839,0:16:55.759
that right so i think understanding that

0:16:54.399,0:16:58.560
notion and living through a lot of that

0:16:55.759,0:17:00.639
stuff uh helps me to just understand

0:16:58.560,0:17:01.440
people with empathy and understanding

0:17:00.639,0:17:02.800
like

0:17:01.440,0:17:04.400
i'm trying to break it down and connect

0:17:02.800,0:17:07.280
and say 10 years is not that long of a

0:17:04.400,0:17:09.039
time like that time flies by when i'm 50

0:17:07.280,0:17:10.400
that stuff scares me so now life is like

0:17:09.039,0:17:11.199
propping myself up for that point in

0:17:10.400,0:17:13.199
time

0:17:11.199,0:17:14.240
and as my my friends grow and mature in

0:17:13.199,0:17:15.360
their careers and they're doing some

0:17:14.240,0:17:17.039
amazing things and business

0:17:15.360,0:17:19.039
opportunities come along their way

0:17:17.039,0:17:21.120
one thing that keeps me up at night is

0:17:19.039,0:17:23.520
positioning myself and clients to be in

0:17:21.120,0:17:25.199
a position to say yes to opportunities

0:17:23.520,0:17:27.280
so that we're in our 40s and our 50s and

0:17:25.199,0:17:28.880
big things come along the way why not be

0:17:27.280,0:17:30.799
at the seat of that table to say yeah

0:17:28.880,0:17:33.120
let's do it i can write that check yeah

0:17:30.799,0:17:34.480
i could do that versus [ __ ] let me

0:17:33.120,0:17:37.679
scramble around let me see what i can do

0:17:34.480,0:17:38.720
right yeah and uh time flies by so quick

0:17:37.679,0:17:40.400
today

0:17:38.720,0:17:43.679
i saw this meme where i get all my real

0:17:40.400,0:17:45.360
data at my all my news um nas and snoop

0:17:43.679,0:17:47.440
dogg they uh they had a share they had

0:17:45.360,0:17:48.960
shares of robin hood so they had like so

0:17:47.440,0:17:50.640
robin hood went public yeah they just

0:17:48.960,0:17:53.200
went like 38 a share or something yeah

0:17:50.640,0:17:55.600
38 bucks a share right so they they

0:17:53.200,0:17:57.840
bought it and they had like 20 uh they

0:17:55.600,0:17:59.840
bought at 20 cents a share 20 cents a

0:17:57.840,0:18:01.200
share shut up so what that means right

0:17:59.840,0:18:02.960
it's like if they had a hundred grand

0:18:01.200,0:18:05.280
they gave it to robin and said here's

0:18:02.960,0:18:06.080
100 grand i get 20 000 shares or 20 a

0:18:05.280,0:18:07.840
share

0:18:06.080,0:18:09.919
if it's sold and they have that value at

0:18:07.840,0:18:11.679
38 dollars a share it's about 19 million

0:18:09.919,0:18:13.200
they're worth today so if they invested

0:18:11.679,0:18:14.720
100 grand they'd be worth about 90

0:18:13.200,0:18:15.520
million dollars today so that investment

0:18:14.720,0:18:18.240
right

0:18:15.520,0:18:19.840
so people will see that like man i'm

0:18:18.240,0:18:21.520
gonna wait until hit it big i'm gonna

0:18:19.840,0:18:23.120
find the next big thing to invest into

0:18:21.520,0:18:24.880
and it'll work that never happens right

0:18:23.120,0:18:26.799
no it happens when you're not when

0:18:24.880,0:18:29.200
you're not looking ready yeah

0:18:26.799,0:18:30.960
but these guys to many people they'll be

0:18:29.200,0:18:33.280
like blind luck that they hit that that

0:18:30.960,0:18:34.880
jackpot but what people don't realize is

0:18:33.280,0:18:36.400
they had to write a check for 100 grand

0:18:34.880,0:18:38.640
right and they were rappers in the

0:18:36.400,0:18:40.240
industry where life probably took them a

0:18:38.640,0:18:41.600
bunch of different ways but for them we

0:18:40.240,0:18:42.640
would say let me write a check i don't

0:18:41.600,0:18:44.240
know how much they wrote the check if

0:18:42.640,0:18:47.039
i'm just assuming you know 100 grand as

0:18:44.240,0:18:48.400
an example but for them to do that they

0:18:47.039,0:18:49.840
had to have some money on the side

0:18:48.400,0:18:52.480
that's i think the first step that i try

0:18:49.840,0:18:53.600
to help people see first is like prepare

0:18:52.480,0:18:55.120
yourself so that when an opportunity

0:18:53.600,0:18:57.120
comes knocking at your door you can

0:18:55.120,0:18:58.880
write that check right like yeah right

0:18:57.120,0:19:00.880
because there's a huge opportunity miss

0:18:58.880,0:19:02.559
and opportunity cost of not being able

0:19:00.880,0:19:05.039
to participate in that i've experienced

0:19:02.559,0:19:07.840
that firsthand yeah you know and and i

0:19:05.039,0:19:09.679
want to invite telling those stories

0:19:07.840,0:19:10.640
how happens to me my clients can see i'm

0:19:09.679,0:19:12.799
like man i don't want that to happen to

0:19:10.640,0:19:14.960
me right now becomes real to you right

0:19:12.799,0:19:15.840
so and i tell people as we get older

0:19:14.960,0:19:17.600
people are going to get stronger

0:19:15.840,0:19:19.200
financially and your network's going to

0:19:17.600,0:19:20.480
get stronger financially and network

0:19:19.200,0:19:21.679
peace that's huge

0:19:20.480,0:19:22.559
it's huge because you don't want to be

0:19:21.679,0:19:24.640
the guy

0:19:22.559,0:19:25.840
that can't be in that space right

0:19:24.640,0:19:27.679
you don't want to double down on your

0:19:25.840,0:19:29.039
family and their future because you're

0:19:27.679,0:19:31.520
trying to keep up with them either right

0:19:29.039,0:19:33.360
yeah so and that's a big thing that i

0:19:31.520,0:19:35.120
think us being the first generation of

0:19:33.360,0:19:36.559
wealth creators in our families it's

0:19:35.120,0:19:39.200
like we have to take care of our family

0:19:36.559,0:19:40.960
first but also have a juggernaut of

0:19:39.200,0:19:42.400
assets that we're creating here that

0:19:40.960,0:19:43.760
could be a part of those tables when

0:19:42.400,0:19:45.360
opportunity comes knocking at our door

0:19:43.760,0:19:47.200
so we can keep scaling up and make some

0:19:45.360,0:19:48.480
seismic changes to our lives right yeah

0:19:47.200,0:19:50.320
so and for a lot of business owners we

0:19:48.480,0:19:51.039
try that's my message right now it's

0:19:50.320,0:19:52.160
like

0:19:51.039,0:19:53.760
we don't know what's going to happen

0:19:52.160,0:19:55.520
because opportunities are going to keep

0:19:53.760,0:19:56.880
coming your doorway game right people

0:19:55.520,0:19:58.240
are going to bring pitch ideas to you

0:19:56.880,0:19:59.200
constantly you got to pick and choose

0:19:58.240,0:20:00.720
what you're going to do but i want you

0:19:59.200,0:20:03.760
to be able to write that check from a

0:20:00.720,0:20:05.280
position of strength not saying marley

0:20:03.760,0:20:07.039
let's let's defer eating a little longer

0:20:05.280,0:20:08.799
right because she's paid her dues right

0:20:07.039,0:20:09.919
my wife's paid her dues right like she

0:20:08.799,0:20:11.840
still pays to do this because i'm

0:20:09.919,0:20:14.159
getting fatter every year but

0:20:11.840,0:20:16.159
um but the reality of it is like our

0:20:14.159,0:20:18.159
wives are sacrificed so much right so i

0:20:16.159,0:20:20.080
want to make sure that our lives are

0:20:18.159,0:20:22.400
strong they feel secure right it's

0:20:20.080,0:20:23.760
important for us as men as family men

0:20:22.400,0:20:25.039
but then also still be able to have an

0:20:23.760,0:20:26.480
ace in the whole world building out over

0:20:25.039,0:20:27.919
here yeah so those opportunities come

0:20:26.480,0:20:29.120
knocking your door and they will because

0:20:27.919,0:20:31.760
i see that happening to a lot of my

0:20:29.120,0:20:32.960
clients now i want you to say

0:20:31.760,0:20:35.200
let me see if i want to do that because

0:20:32.960,0:20:36.400
it means right to you versus scrambling

0:20:35.200,0:20:38.159
around trying to make it happen and it's

0:20:36.400,0:20:39.760
a different mindset being offensive

0:20:38.159,0:20:41.840
they're not so i think that's a big

0:20:39.760,0:20:43.280
piece of it is like understanding that

0:20:41.840,0:20:44.559
it may be a slow ramp up time to

0:20:43.280,0:20:46.159
accumulate your wealth right but if we

0:20:44.559,0:20:48.240
could build in right habits around

0:20:46.159,0:20:49.600
saving do the boring stuff be gritty

0:20:48.240,0:20:52.240
just like your career and building your

0:20:49.600,0:20:53.760
business is great then when the pod gets

0:20:52.240,0:20:56.000
big you're there you can make it happen

0:20:53.760,0:20:57.520
yeah i mean we'll do it so i mean that's

0:20:56.000,0:21:00.080
a great point to

0:20:57.520,0:21:02.320
to talk on our audience right a lot of

0:21:00.080,0:21:03.520
the audience a lot of business owners um

0:21:02.320,0:21:04.880
for the most part a lot of them are in

0:21:03.520,0:21:07.360
the cleaning industry right cleaning

0:21:04.880,0:21:09.200
cocktails uh but

0:21:07.360,0:21:11.840
for you guys to know like i'll give you

0:21:09.200,0:21:14.080
some inside info on my life on you know

0:21:11.840,0:21:16.000
my conversations with julie too because

0:21:14.080,0:21:18.080
i feel like we said this will resonate

0:21:16.000,0:21:20.320
with you guys right is so i've been in

0:21:18.080,0:21:23.280
the business for nine years now

0:21:20.320,0:21:24.559
struggled many years into it i met julie

0:21:23.280,0:21:26.960
again like we said four or five years

0:21:24.559,0:21:28.880
ago you had come here you shared you

0:21:26.960,0:21:30.480
know how this could work and you know i

0:21:28.880,0:21:32.640
think it took us like three meetings

0:21:30.480,0:21:34.159
until i felt confident and said

0:21:32.640,0:21:35.919
i started to think the other way like we

0:21:34.159,0:21:37.520
just we're talking about where

0:21:35.919,0:21:39.440
i was like i'm a small business i'm you

0:21:37.520,0:21:41.679
know i own a cleaning company i'm you

0:21:39.440,0:21:43.360
know there's not much you know funds

0:21:41.679,0:21:45.280
there wealth i'm not i'm growing but i'm

0:21:43.360,0:21:47.760
not growing that fast blah blah blah

0:21:45.280,0:21:50.000
excuses right excuses excuses excuses to

0:21:47.760,0:21:52.320
not do it not do it not do it

0:21:50.000,0:21:53.280
i finally did it right and i got to tell

0:21:52.320,0:21:55.600
you guys

0:21:53.280,0:21:58.320
i'm in the best position i could ever be

0:21:55.600,0:22:00.400
it because what you just said on being

0:21:58.320,0:22:02.320
able to cut that check or say yes to

0:22:00.400,0:22:03.200
this opportunity or make these moves

0:22:02.320,0:22:04.960
that

0:22:03.200,0:22:06.000
i wouldn't have probably made right

0:22:04.960,0:22:07.840
because

0:22:06.000,0:22:09.120
this guy set me up for success not just

0:22:07.840,0:22:10.400
me but the company right there's a lot

0:22:09.120,0:22:11.919
of things that he's done for us that you

0:22:10.400,0:22:12.880
know we don't need to get into as deep

0:22:11.919,0:22:14.320
but

0:22:12.880,0:22:17.600
the point is

0:22:14.320,0:22:20.400
i he set me up for success you know i i

0:22:17.600,0:22:21.840
asked for help he gave it he spoke to us

0:22:20.400,0:22:23.840
he brought it down to the level for us

0:22:21.840,0:22:25.600
to understand um and i think these are

0:22:23.840,0:22:26.720
the conversations that that you guys

0:22:25.600,0:22:28.559
have to have with your financial

0:22:26.720,0:22:31.039
planners or your team or your partners

0:22:28.559,0:22:33.840
right because if you don't talk about it

0:22:31.039,0:22:35.280
it's nothing gets done uh you know

0:22:33.840,0:22:36.640
and and i'm telling you guys this

0:22:35.280,0:22:38.320
because like

0:22:36.640,0:22:40.159
people may think our success is you know

0:22:38.320,0:22:41.679
rick you're doing so well you could be

0:22:40.159,0:22:42.880
able to do so much but i'll tell you

0:22:41.679,0:22:45.280
there's times we live paycheck to

0:22:42.880,0:22:47.600
paycheck why because he put our money in

0:22:45.280,0:22:49.600
some other places that i can't touch for

0:22:47.600,0:22:51.679
a while right or he invested it in

0:22:49.600,0:22:54.559
certain degrees or us as a company we

0:22:51.679,0:22:57.200
started doing 401k and the executive i

0:22:54.559,0:22:58.159
touch on that part too yeah um julie

0:22:57.200,0:23:00.080
because

0:22:58.159,0:23:01.520
again it's it's not that we're not

0:23:00.080,0:23:03.679
making money or it's not that i don't

0:23:01.520,0:23:06.400
have the money it's the money's making

0:23:03.679,0:23:08.960
money right and it's other areas because

0:23:06.400,0:23:10.880
if not i would have spent that money and

0:23:08.960,0:23:11.679
it would be gone yeah well you know it's

0:23:10.880,0:23:13.440
like

0:23:11.679,0:23:14.720
this is meme that i saw or his picture

0:23:13.440,0:23:18.080
on instagram

0:23:14.720,0:23:20.159
and it's like your checking account 300

0:23:18.080,0:23:21.679
bucks your investment account i don't

0:23:20.159,0:23:23.440
know

0:23:21.679,0:23:24.559
20 grand right it's like i feel broke

0:23:23.440,0:23:26.000
right because

0:23:24.559,0:23:27.039
you want to just always feel broke

0:23:26.000,0:23:28.640
because that's going to keep you sharp

0:23:27.039,0:23:30.159
right now and keep you hunting right and

0:23:28.640,0:23:32.400
keeping it really hates me for that

0:23:30.159,0:23:33.679
right hates me and it's a balance right

0:23:32.400,0:23:34.880
because you know you're doing well but

0:23:33.679,0:23:36.799
you also got to play these tricks as a

0:23:34.880,0:23:38.159
business owner right to keep sharp

0:23:36.799,0:23:40.159
because i think as business owners once

0:23:38.159,0:23:41.279
you get comfortable you start to peel

0:23:40.159,0:23:42.799
back and then the business starts

0:23:41.279,0:23:44.320
unwinding unfolding you got to stay

0:23:42.799,0:23:45.840
sharp right now because your competition

0:23:44.320,0:23:47.440
is coming behind you too right oh yeah

0:23:45.840,0:23:48.880
so the nice thing is if you stay sharp

0:23:47.440,0:23:50.159
and you feel financially insecure even

0:23:48.880,0:23:52.240
though you're building a monster behind

0:23:50.159,0:23:53.919
the scenes that'll keep you even better

0:23:52.240,0:23:55.520
in your business right so i tell a lot

0:23:53.919,0:23:57.520
of people it's okay to feel broke

0:23:55.520,0:23:59.279
because i keep you sharp right like now

0:23:57.520,0:24:01.279
you don't want to get to a point where

0:23:59.279,0:24:02.320
you you know you're still eating ramen

0:24:01.279,0:24:03.679
because i don't want that to be the case

0:24:02.320,0:24:05.039
either you know but it's finding a

0:24:03.679,0:24:06.720
balance right i eat cereal in the

0:24:05.039,0:24:07.600
mornings that's not wrong

0:24:06.720,0:24:09.360
you're good

0:24:07.600,0:24:10.799
i can't do all of that all that salt and

0:24:09.360,0:24:12.480
vodka

0:24:10.799,0:24:14.320
but um you know with a lot of business

0:24:12.480,0:24:15.600
owners though i we understand and i

0:24:14.320,0:24:16.400
understand

0:24:15.600,0:24:17.679
the

0:24:16.400,0:24:19.520
the psychology that comes with a

0:24:17.679,0:24:21.679
business owner and

0:24:19.520,0:24:23.760
the insecurities that comes with money

0:24:21.679,0:24:25.279
right because you're so julie real quick

0:24:23.760,0:24:27.039
think about let's because i want to

0:24:25.279,0:24:28.799
drive this one home too is think about

0:24:27.039,0:24:31.039
the cleaning business owner and i'll

0:24:28.799,0:24:32.480
give it to you is the first year man it

0:24:31.039,0:24:34.080
is a struggle we are cleaning the

0:24:32.480,0:24:36.480
accounts we are doing all the work

0:24:34.080,0:24:37.840
ourselves we're working our asses off

0:24:36.480,0:24:39.919
and a and a

0:24:37.840,0:24:41.039
putting ourselves in an environment that

0:24:39.919,0:24:42.880
it doesn't

0:24:41.039,0:24:44.720
doesn't look you know like people will

0:24:42.880,0:24:46.720
say oh you own a cleaning company right

0:24:44.720,0:24:48.880
just the perception man it really sucks

0:24:46.720,0:24:50.080
at some points right so well that's what

0:24:48.880,0:24:52.400
i that's what i love about this talk

0:24:50.080,0:24:54.480
about that like what should those people

0:24:52.400,0:24:56.000
i i love thinking i love a cleaning

0:24:54.480,0:24:57.600
owner's story right so my most

0:24:56.000,0:24:59.760
successful clients are in the cleaning

0:24:57.600,0:25:02.159
space yeah so my wealthiest clients

0:24:59.760,0:25:04.640
right actually so i got into financial

0:25:02.159,0:25:06.320
planning and my marketplace was i want

0:25:04.640,0:25:07.919
to work with blue collar people that

0:25:06.320,0:25:09.919
don't look successful but they're the

0:25:07.919,0:25:12.240
wealthiest people right

0:25:09.919,0:25:14.000
that's the coolest thing ever it's like

0:25:12.240,0:25:16.080
the millionaire next door right because

0:25:14.000,0:25:18.000
they're doing the oddest things that you

0:25:16.080,0:25:19.600
think are not wealth so i love how in

0:25:18.000,0:25:21.440
one of your podcasts you had a guy that

0:25:19.600,0:25:22.799
uh he didn't look like like a janitor

0:25:21.440,0:25:24.159
right so he didn't look the part right

0:25:22.799,0:25:26.240
like what is that what does that mean

0:25:24.159,0:25:27.760
right but reality is like yeah your

0:25:26.240,0:25:29.600
first year you're slugging out first

0:25:27.760,0:25:32.000
couple years you're suddenly not right

0:25:29.600,0:25:33.520
but it's finding a little bit in that

0:25:32.000,0:25:35.039
space there to see the bigger picture

0:25:33.520,0:25:36.240
right because even though you're not

0:25:35.039,0:25:37.679
where your peers are at where your

0:25:36.240,0:25:38.720
friends are at you're actually building

0:25:37.679,0:25:40.480
momentum

0:25:38.720,0:25:42.080
right and you're building relationships

0:25:40.480,0:25:43.440
and a lot that's a lot of value in it

0:25:42.080,0:25:44.799
there's a lot of monetary value in that

0:25:43.440,0:25:46.240
because you're building a book of

0:25:44.799,0:25:47.840
business you're building a resume for

0:25:46.240,0:25:49.200
yourself right there's a lot of money

0:25:47.840,0:25:50.640
you're building in there it's like

0:25:49.200,0:25:52.159
agency bulls you're really building for

0:25:50.640,0:25:54.320
yourself so as i see you building a

0:25:52.159,0:25:55.840
brand that's a value to it right you

0:25:54.320,0:25:57.200
build a lot of momentum you just thought

0:25:55.840,0:25:58.640
your bank account doesn't show it though

0:25:57.200,0:26:00.400
right yeah but you're getting your

0:25:58.640,0:26:02.000
highest highs are now your lowest lows

0:26:00.400,0:26:03.200
right so you know you're going to double

0:26:02.000,0:26:04.480
your revenue quickly you're going to and

0:26:03.200,0:26:05.760
then become more efficient in your

0:26:04.480,0:26:06.559
margins you're going to understand

0:26:05.760,0:26:08.000
things a lot better you're going to

0:26:06.559,0:26:09.600
learn your business better as time goes

0:26:08.000,0:26:11.039
on but you got to you gotta make a lot

0:26:09.600,0:26:12.480
of mistakes along the way so a lot of

0:26:11.039,0:26:14.480
business owners in the cleaning space

0:26:12.480,0:26:15.760
right i think the big thing is you know

0:26:14.480,0:26:17.360
you have to reinvest back in your

0:26:15.760,0:26:18.480
business right because you can't exactly

0:26:17.360,0:26:20.240
that's what i say those are the first

0:26:18.480,0:26:21.520
things we think about is always the

0:26:20.240,0:26:24.080
money's got to go back in my business

0:26:21.520,0:26:26.240
first hire a good staff right higher

0:26:24.080,0:26:27.840
staff higher good operations managers

0:26:26.240,0:26:28.640
right they're going to be able to have

0:26:27.840,0:26:30.159
you

0:26:28.640,0:26:32.480
focus on the thing that's most important

0:26:30.159,0:26:34.880
and that's for you rain make right so

0:26:32.480,0:26:37.039
you have to be the offensive juggernaut

0:26:34.880,0:26:39.039
building relationships getting deals

0:26:37.039,0:26:40.720
doing the sales not

0:26:39.039,0:26:42.559
doing the hourly work you're paying

0:26:40.720,0:26:43.919
somebody to do any longer right yeah and

0:26:42.559,0:26:45.120
that's a big a big difference because a

0:26:43.919,0:26:46.640
lot of business owners were

0:26:45.120,0:26:48.159
perfectionists yeah it's tough to let

0:26:46.640,0:26:49.840
that go you can't let that go right now

0:26:48.159,0:26:51.279
but you have to invest into high staff

0:26:49.840,0:26:52.480
pay them well and that's going to hurt

0:26:51.279,0:26:53.600
you because you can't pay yourself

0:26:52.480,0:26:55.120
because you can't be yourself right

0:26:53.600,0:26:56.799
you're like [ __ ] i can't get that car

0:26:55.120,0:26:58.320
that my buddy has but he's been in the

0:26:56.799,0:26:59.520
business or he had a couple strokes to

0:26:58.320,0:27:00.799
look differently right

0:26:59.520,0:27:02.720
comparison

0:27:00.799,0:27:04.240
comparison is a thief of joy and that's

0:27:02.720,0:27:06.080
one thing i've learned from myself

0:27:04.240,0:27:07.360
personally that you cannot compare

0:27:06.080,0:27:08.960
yourself to somebody else's success do

0:27:07.360,0:27:11.919
you guys hear that comparisons are a

0:27:08.960,0:27:13.279
thief a joy comparison is a thief of joy

0:27:11.919,0:27:15.039
and you have to celebrate your buddy

0:27:13.279,0:27:17.520
success you have to be there for them

0:27:15.039,0:27:19.360
but also don't think you're invaluable

0:27:17.520,0:27:21.679
because that your time has not come

0:27:19.360,0:27:23.120
right but reality of it is even if your

0:27:21.679,0:27:24.640
bank account doesn't reflect that that's

0:27:23.120,0:27:26.240
crazy i got this really crazy story

0:27:24.640,0:27:27.760
personally for myself i went from not

0:27:26.240,0:27:29.120
being able to save anything one year to

0:27:27.760,0:27:30.480
saving a hundred grand in a year flip

0:27:29.120,0:27:33.200
over like that why because when you

0:27:30.480,0:27:35.440
build your business that [ __ ] happens

0:27:33.200,0:27:37.200
yeah that happens you go from nothing to

0:27:35.440,0:27:39.360
something because you've been building

0:27:37.200,0:27:40.880
things out like for so long for so long

0:27:39.360,0:27:42.480
it just clicks it's just compounds and

0:27:40.880,0:27:44.240
then a normal person

0:27:42.480,0:27:45.360
won't be able to understand that because

0:27:44.240,0:27:46.799
but then again they haven't put

0:27:45.360,0:27:49.279
themselves in that grit that you put

0:27:46.799,0:27:50.960
into mental physical relationship

0:27:49.279,0:27:52.640
exhaustion so you know you paid a high

0:27:50.960,0:27:54.000
price for that you know so yeah you

0:27:52.640,0:27:55.760
deserve it and then you get there faster

0:27:54.000,0:27:58.080
and faster right as you keep on scaling

0:27:55.760,0:28:00.320
up that happens right so invest back in

0:27:58.080,0:28:02.399
your business but not invest into the

0:28:00.320,0:28:04.159
shiny toys right invest into the right

0:28:02.399,0:28:05.840
people right you could trust pay them

0:28:04.159,0:28:07.440
well have them here happy right so as a

0:28:05.840,0:28:09.279
business owner in any space invest back

0:28:07.440,0:28:10.799
in your staff right have them be there

0:28:09.279,0:28:12.640
so you can pull back and then focus on

0:28:10.799,0:28:14.480
the big picture stuff right so as

0:28:12.640,0:28:16.640
business owners a lot of times

0:28:14.480,0:28:18.240
if i meet a good person like yourself

0:28:16.640,0:28:19.840
and i see the trajectory and i've been

0:28:18.240,0:28:21.679
doing this a long time now i can see

0:28:19.840,0:28:22.720
people's trajectory

0:28:21.679,0:28:24.720
i'm like this person's going to go

0:28:22.720,0:28:26.399
somewhere let's be with them right let's

0:28:24.720,0:28:27.600
be with them because i believe in them

0:28:26.399,0:28:29.200
right just like we believe in you and

0:28:27.600,0:28:30.480
everybody sees that now it's like i want

0:28:29.200,0:28:32.080
to find a diamond rough and that's been

0:28:30.480,0:28:33.919
my neck it's finding diamonds in a rough

0:28:32.080,0:28:36.080
yeah but the reality is

0:28:33.919,0:28:37.840
is is that what time will come right so

0:28:36.080,0:28:39.440
business owners develop back into your

0:28:37.840,0:28:40.559
business hire good staff that you could

0:28:39.440,0:28:42.399
be there so you can focus on the raid

0:28:40.559,0:28:43.360
making stuff finding the deals and then

0:28:42.399,0:28:45.360
you can get better at running your

0:28:43.360,0:28:47.520
business too and then as you start to

0:28:45.360,0:28:49.360
make money then get in the habits of

0:28:47.520,0:28:50.960
saying you know let me parcel off a

0:28:49.360,0:28:53.200
little bit of money on the sidelines

0:28:50.960,0:28:54.799
here right i'm gonna keep on reinvesting

0:28:53.200,0:28:56.159
back in my business but i want to have a

0:28:54.799,0:28:57.520
little get my little get out of jail

0:28:56.159,0:28:58.880
card here

0:28:57.520,0:29:00.640
10 20

0:28:58.880,0:29:02.159
money and a satellite so julie real

0:29:00.640,0:29:03.600
quick i'm going to intervene there

0:29:02.159,0:29:06.640
because i think this is a this would be

0:29:03.600,0:29:08.080
a good nugget for the audience to know

0:29:06.640,0:29:09.760
you may or may not be able to do this

0:29:08.080,0:29:12.159
but just off the whim

0:29:09.760,0:29:13.760
is there so we have stages right like

0:29:12.159,0:29:16.080
think about the first couple years in

0:29:13.760,0:29:17.520
our industry especially uh you're

0:29:16.080,0:29:18.720
working in the business right you gotta

0:29:17.520,0:29:20.000
learn your craft you gotta you know

0:29:18.720,0:29:21.919
you're doing everything so that you can

0:29:20.000,0:29:24.640
know every department and be able to

0:29:21.919,0:29:26.960
delegate and hire somebody

0:29:24.640,0:29:28.720
is there a metric or is there a

0:29:26.960,0:29:31.760
something that we can say hey

0:29:28.720,0:29:33.919
i have a 250 000 in your business

0:29:31.760,0:29:35.360
julie you're my financial you know

0:29:33.919,0:29:36.720
wizard

0:29:35.360,0:29:39.760
can i put 10

0:29:36.720,0:29:41.360
away how do i put 10 away do i put like

0:29:39.760,0:29:42.880
is there a metrics as far as when you

0:29:41.360,0:29:44.960
get to you know because i'll tell you

0:29:42.880,0:29:46.080
there's a stat the stat for us in in our

0:29:44.960,0:29:48.799
industry is

0:29:46.080,0:29:51.279
uh about 90 of the industry is at a

0:29:48.799,0:29:53.360
million in revenue and under

0:29:51.279,0:29:54.720
for those people yeah how do they level

0:29:53.360,0:29:57.440
up right like

0:29:54.720,0:29:58.880
is there different milestones or based

0:29:57.440,0:30:01.919
on numbers yeah

0:29:58.880,0:30:03.279
every business is different based on uh

0:30:01.919,0:30:04.799
a city you're living in right so your

0:30:03.279,0:30:06.080
margins are different costs a little bit

0:30:04.799,0:30:07.600
costly right so that makes a big

0:30:06.080,0:30:09.440
difference the cost of goods are going

0:30:07.600,0:30:11.039
up like crazy you know you're paying if

0:30:09.440,0:30:12.320
it depends if you're paying your staff

0:30:11.039,0:30:14.080
for their mileage and all that stuff

0:30:12.320,0:30:16.080
right so that also goes in place

0:30:14.080,0:30:18.399
i tell people that's one thing though is

0:30:16.080,0:30:19.760
as a business owner think about a number

0:30:18.399,0:30:21.360
right of money that's coming in every

0:30:19.760,0:30:22.720
month so if you're if your business is

0:30:21.360,0:30:24.640
doing a million dollars a year that's

0:30:22.720,0:30:26.240
about uh you know 100 a month eight

0:30:24.640,0:30:27.520
grand a week right

0:30:26.240,0:30:29.760
if you think about eight grand a week

0:30:27.520,0:30:31.360
coming in there think about how much of

0:30:29.760,0:30:33.039
that eight grand a week that's coming in

0:30:31.360,0:30:35.279
can i put in a side that i wouldn't even

0:30:33.039,0:30:38.480
think about whatever that number is this

0:30:35.279,0:30:39.760
is it to 100 bucks 200 000 bucks

0:30:38.480,0:30:41.679
once you start thinking about that and

0:30:39.760,0:30:43.919
your your breath gets a little bit tight

0:30:41.679,0:30:45.679
that's that number yeah so you should be

0:30:43.919,0:30:46.960
a little worried a little bit right

0:30:45.679,0:30:48.159
because it's too easy then it's like

0:30:46.960,0:30:48.880
you're exactly you still should keep

0:30:48.159,0:30:50.000
going

0:30:48.880,0:30:51.279
so it's like running a marathon and

0:30:50.000,0:30:53.200
saving is it running the marathon you're

0:30:51.279,0:30:55.039
gonna run 26 miles today

0:30:53.200,0:30:56.320
pick a number you're comfortable with if

0:30:55.039,0:30:57.919
i'm going to run for a marathon i'm

0:30:56.320,0:30:59.039
going to start at like a mile ricky's

0:30:57.919,0:31:01.679
going to run marathons and run at three

0:30:59.039,0:31:03.120
miles because it's a little bit better

0:31:01.679,0:31:05.200
so and that's kind of the same thing

0:31:03.120,0:31:07.440
with saving right is that pick a number

0:31:05.200,0:31:09.039
that that feels a little bit scary but

0:31:07.440,0:31:10.000
it's not going to unmotivate you from

0:31:09.039,0:31:11.919
saving

0:31:10.000,0:31:14.640
a little bit on the side right

0:31:11.919,0:31:17.840
i like to think though ideally 10 is a

0:31:14.640,0:31:19.200
good target 20 is optimal right but rome

0:31:17.840,0:31:20.799
wasn't built overnight and neither is

0:31:19.200,0:31:23.039
saving right so pick a number that you

0:31:20.799,0:31:24.799
feel fine with and then check yourself

0:31:23.039,0:31:26.320
every month or every six months and say

0:31:24.799,0:31:28.799
you know i'm getting stronger let me add

0:31:26.320,0:31:30.480
more weights right add more savings you

0:31:28.799,0:31:32.080
get stronger you add more weight and do

0:31:30.480,0:31:33.600
it right because if you make more and

0:31:32.080,0:31:35.760
you start spending more and buying

0:31:33.600,0:31:36.960
bigger cars and burying bigger things

0:31:35.760,0:31:38.399
now you got to work just as hard just to

0:31:36.960,0:31:40.080
kind of cover all that stuff right but

0:31:38.399,0:31:41.600
add more weight to your savings so this

0:31:40.080,0:31:42.720
because saving money

0:31:41.600,0:31:44.640
it's not going to make you the

0:31:42.720,0:31:46.960
wealthiest person in the room because

0:31:44.640,0:31:48.080
investment business will but having a

0:31:46.960,0:31:50.080
tree that's going to give you

0:31:48.080,0:31:52.080
opportunity it's opportunity man that's

0:31:50.080,0:31:54.080
the biggest thing yeah so i tell people

0:31:52.080,0:31:56.880
think about building a tree for your

0:31:54.080,0:31:58.320
life where you want to water it right

0:31:56.880,0:32:00.080
and you can't speed up that process but

0:31:58.320,0:32:01.360
it needs time the more you want it the

0:32:00.080,0:32:03.200
better and bigger stronger that you will

0:32:01.360,0:32:04.960
be so you could say yes to other

0:32:03.200,0:32:06.799
opportunities and there's a lot of cool

0:32:04.960,0:32:08.080
things we could do within that tree

0:32:06.799,0:32:09.600
a lot of different accounts so people

0:32:08.080,0:32:11.440
ask me what's the best kind of

0:32:09.600,0:32:14.320
investment in concrete so cryptocurrency

0:32:11.440,0:32:16.000
my 401k roth iras those are all products

0:32:14.320,0:32:18.159
right but the behavior of saving is the

0:32:16.000,0:32:20.480
first and foremost important thing and

0:32:18.159,0:32:21.679
people want to shortcut that process

0:32:20.480,0:32:23.440
where we got to train people to become

0:32:21.679,0:32:25.600
good savers first and then as you get

0:32:23.440,0:32:27.679
stronger save more yeah so the others

0:32:25.600,0:32:29.600
are vehicles exactly vehicles and

0:32:27.679,0:32:31.840
they're all i'm a big my kids are super

0:32:29.600,0:32:34.000
hero fans i'm a big superhero fan batman

0:32:31.840,0:32:35.760
i think about youtube these kids are in

0:32:34.000,0:32:38.000
superhero costumes all the time it's

0:32:35.760,0:32:39.120
summertime 100 degrees

0:32:38.000,0:32:40.840
we don't even watch those things anymore

0:32:39.120,0:32:42.559
because it's so hot the bacteria

0:32:40.840,0:32:44.240
disintegrates

0:32:42.559,0:32:45.840
but you know like you have a utility

0:32:44.240,0:32:47.760
belt and there's all vehicles those are

0:32:45.840,0:32:49.760
all tools you use depending on the job

0:32:47.760,0:32:52.000
or what's going on in place but to get

0:32:49.760,0:32:54.399
that belt filled you need to save right

0:32:52.000,0:32:56.159
that's the big thing right but there's a

0:32:54.399,0:32:57.760
journey to saving and once you learn

0:32:56.159,0:32:59.679
yourself better you become a better

0:32:57.760,0:33:00.799
saver and then up the opportunity comes

0:32:59.679,0:33:02.399
back in you know you can say yes because

0:33:00.799,0:33:04.000
you've done a good job of building that

0:33:02.399,0:33:05.519
up so i think that's a big thing ricky

0:33:04.000,0:33:07.360
is for people

0:33:05.519,0:33:08.640
everybody's at different metrics i like

0:33:07.360,0:33:10.159
to think the easiest thing is try to

0:33:08.640,0:33:12.640
live off 80 of what you're bringing and

0:33:10.159,0:33:15.039
save 20 yeah it's a good 80 20 rule but

0:33:12.640,0:33:16.720
don't get neglected or demoralized if

0:33:15.039,0:33:18.960
you can't do 20 right yeah start off

0:33:16.720,0:33:21.039
baby steps but then know as you get

0:33:18.960,0:33:22.480
stronger each and every month add more

0:33:21.039,0:33:24.320
weight to that until you get to that

0:33:22.480,0:33:25.679
point where you're in a good rhythm um

0:33:24.320,0:33:26.559
and have a good team around you right

0:33:25.679,0:33:28.559
but

0:33:26.559,0:33:29.760
it's the 80 20 rule live off with 80

0:33:28.559,0:33:30.960
because one of the things i remember

0:33:29.760,0:33:32.799
doing with my wife when we were first

0:33:30.960,0:33:34.640
trying to become better savers

0:33:32.799,0:33:35.519
is i was actually trying to save too

0:33:34.640,0:33:37.519
much

0:33:35.519,0:33:39.120
we were saving 50 of our income but then

0:33:37.519,0:33:41.120
we kept dipping and we were dipping

0:33:39.120,0:33:42.399
interest i did the same thing yeah

0:33:41.120,0:33:43.679
it was driving my wife crazy she's like

0:33:42.399,0:33:44.880
what the hell is the point like what are

0:33:43.679,0:33:46.880
you saying transferring money you're

0:33:44.880,0:33:48.720
taking money out transfer game yeah so

0:33:46.880,0:33:50.000
that happens right so i had to like slow

0:33:48.720,0:33:51.120
down like all right i have to be

0:33:50.000,0:33:53.600
comfortable because at the end of the

0:33:51.120,0:33:55.600
day it's like you got to build momentum

0:33:53.600,0:33:57.120
and progress and save you money like so

0:33:55.600,0:33:59.039
pick a number you're comfortable with

0:33:57.120,0:34:01.120
see that it can't grow and then add more

0:33:59.039,0:34:02.559
weight to it but the reality of it is

0:34:01.120,0:34:04.320
don't compare yourself to anybody else

0:34:02.559,0:34:05.679
because that hurts you yeah and then

0:34:04.320,0:34:06.880
you'll you'll get demoralized you'll

0:34:05.679,0:34:10.480
stop and then you you stop the

0:34:06.880,0:34:12.000
trajectory okay so julie now

0:34:10.480,0:34:13.839
let's talk about you know some of the

0:34:12.000,0:34:16.320
audience that that does have a bigger

0:34:13.839,0:34:18.079
team they are hitting that trajectory

0:34:16.320,0:34:19.599
mark right and the reason why i want to

0:34:18.079,0:34:21.040
bring this up you guys too is i had not

0:34:19.599,0:34:23.440
known about this executive plan until

0:34:21.040,0:34:24.879
you brought it up to us yeah but can you

0:34:23.440,0:34:26.879
so can you touch on that a little bit

0:34:24.879,0:34:28.560
yeah so those that you know we may be in

0:34:26.879,0:34:30.000
that position yeah so you know it's

0:34:28.560,0:34:31.599
interesting because there's like when it

0:34:30.000,0:34:33.119
comes to financial planning

0:34:31.599,0:34:34.960
you'd be like we need to help you build

0:34:33.119,0:34:36.639
from scratch ground up right building

0:34:34.960,0:34:38.000
some good habits or you're in a position

0:34:36.639,0:34:40.320
where you have money it's like now what

0:34:38.000,0:34:41.839
do i do now to keep on growing right how

0:34:40.320,0:34:42.800
do i make my money work for me how do i

0:34:41.839,0:34:44.159
scale

0:34:42.800,0:34:45.760
so there's a lot of different things you

0:34:44.159,0:34:47.679
could do right so i think first and

0:34:45.760,0:34:49.280
foremost is any business you have to

0:34:47.679,0:34:50.879
revisit your lines of credit right we've

0:34:49.280,0:34:52.639
talked about that in the past right

0:34:50.879,0:34:54.720
so have lines of credit right and

0:34:52.639,0:34:56.159
revisit that get those expanded because

0:34:54.720,0:34:57.920
a lot of times i'd rather you have a

0:34:56.159,0:34:59.599
line of credit with low interest rate

0:34:57.920,0:35:01.520
help you pay for an agency but that's

0:34:59.599,0:35:03.520
coming in next week versus your cash

0:35:01.520,0:35:05.200
that can be reinvested elsewhere and

0:35:03.520,0:35:07.359
make more right so kind of think about

0:35:05.200,0:35:09.520
this right the stock market the s p's

0:35:07.359,0:35:10.720
average eight percent growth over

0:35:09.520,0:35:12.160
decades right

0:35:10.720,0:35:13.760
you're gonna earn eight percent of your

0:35:12.160,0:35:15.200
money you can borrow money at three

0:35:13.760,0:35:16.640
percent

0:35:15.200,0:35:18.320
borrow that make the difference right

0:35:16.640,0:35:20.000
yeah right so that's just a little a

0:35:18.320,0:35:21.359
little tool right and that borrowing

0:35:20.000,0:35:22.560
rate you're getting a tax deduction for

0:35:21.359,0:35:24.160
it too and as a business owner you need

0:35:22.560,0:35:26.640
to maximize those things right

0:35:24.160,0:35:28.320
so um for a lot of folks we start saying

0:35:26.640,0:35:30.560
as you have cash on the sidelines don't

0:35:28.320,0:35:31.920
be an old school mexican right don't

0:35:30.560,0:35:34.079
have your money out of the mattress my

0:35:31.920,0:35:36.160
dad dude i found

0:35:34.079,0:35:38.400
this in the sock under the mattress and

0:35:36.160,0:35:40.400
under the behind the yeah the picture

0:35:38.400,0:35:42.480
frame within the picture i'm like bob

0:35:40.400,0:35:44.079
what the hell

0:35:42.480,0:35:46.160
i don't trust them yeah you don't trust

0:35:44.079,0:35:46.160
me

0:35:47.200,0:35:49.760
but you know like that's old-school

0:35:48.400,0:35:51.760
mentality right but life's getting more

0:35:49.760,0:35:53.359
expensive we call that inflation so your

0:35:51.760,0:35:54.640
money has got to keep up with that right

0:35:53.359,0:35:56.800
so don't keep it on the mattress first

0:35:54.640,0:35:58.400
and foremost right keep your emergency

0:35:56.800,0:36:00.320
fund there six months of your living

0:35:58.400,0:36:02.240
expenses on a personal side maybe even a

0:36:00.320,0:36:04.240
year's worth of expenses on the business

0:36:02.240,0:36:06.400
side but you know once you're at that

0:36:04.240,0:36:08.560
point have your cash got grown for you

0:36:06.400,0:36:11.520
right so one of the cool things that

0:36:08.560,0:36:13.359
i had a client do and i like using run

0:36:11.520,0:36:15.359
numbers for examples right so he had 100

0:36:13.359,0:36:16.880
grand uh he had like 300 grand in the

0:36:15.359,0:36:18.720
bank this guy's doing really awesome for

0:36:16.880,0:36:19.680
himself and he doesn't want to send his

0:36:18.720,0:36:21.760
kids to private school he's like it's

0:36:19.680,0:36:23.920
too expensive and my comments is private

0:36:21.760,0:36:24.640
school he's got two kids he's like it's

0:36:23.920,0:36:26.640
uh

0:36:24.640,0:36:28.320
it's gonna cost me 10 grand it's like

0:36:26.640,0:36:29.920
okay well

0:36:28.320,0:36:31.680
uh 10 grand to send your kids to private

0:36:29.920,0:36:33.599
school you know if you had 100 in this

0:36:31.680,0:36:34.640
account it would have made you 10 grand

0:36:33.599,0:36:36.480
in interest and you could have taken

0:36:34.640,0:36:38.560
that interest paper you get school

0:36:36.480,0:36:40.480
he's like what i'm like yeah bro like

0:36:38.560,0:36:42.880
let your money work for you right yeah

0:36:40.480,0:36:44.480
and and and now you could send your kids

0:36:42.880,0:36:46.480
to school and not worry about that like

0:36:44.480,0:36:48.240
he's like oh [ __ ] yeah like i should do

0:36:46.480,0:36:49.599
that right so it's like little things

0:36:48.240,0:36:51.680
like that it's like working smarter not

0:36:49.599,0:36:53.040
harder right but it took him to get a

0:36:51.680,0:36:54.400
while to get to that point right but

0:36:53.040,0:36:57.200
that's how to say that point right there

0:36:54.400,0:36:59.520
too guys is it took a while like yeah i

0:36:57.200,0:37:01.359
don't want anybody to to tune in and

0:36:59.520,0:37:02.880
hear it these guys are talking like yeah

0:37:01.359,0:37:05.920
it's easy to say when you have the money

0:37:02.880,0:37:08.160
to do but it's we it takes time it could

0:37:05.920,0:37:10.560
take decades to get to you at first 100.

0:37:08.160,0:37:12.560
but that's what's possible is exactly he

0:37:10.560,0:37:15.040
could have sent you could send your kids

0:37:12.560,0:37:17.440
like me right now three years old nico

0:37:15.040,0:37:19.440
i've got about 10 years before he could

0:37:17.440,0:37:22.000
go to private school junior high right

0:37:19.440,0:37:24.160
or then or high school or then private

0:37:22.000,0:37:26.160
school and then college comes up like

0:37:24.160,0:37:27.440
that's in 10 that's in 10 years already

0:37:26.160,0:37:30.560
that's not that far away i've got to do

0:37:27.440,0:37:32.880
it now yeah we got to work on that but

0:37:30.560,0:37:34.000
but but that point though i and i hate

0:37:32.880,0:37:35.520
to throw out numbers right because i

0:37:34.000,0:37:37.680
want people to think like

0:37:35.520,0:37:41.839
no it's not that at all it does take

0:37:37.680,0:37:43.839
time you know i'm 36 37 years old um you

0:37:41.839,0:37:46.480
know it does take time to get to that

0:37:43.839,0:37:47.760
point right and you know so so kobe i

0:37:46.480,0:37:49.599
was i listened to a lot of this podcast

0:37:47.760,0:37:50.880
i'll study a little bit earlier but he

0:37:49.599,0:37:52.560
talks about matching the fundamentals

0:37:50.880,0:37:54.480
matches the fundamentals then you get a

0:37:52.560,0:37:56.160
tax return you get bonuses whatever it

0:37:54.480,0:37:58.640
is start saving that money right and you

0:37:56.160,0:38:01.119
get that number and um

0:37:58.640,0:38:02.720
so it just takes time give yourself give

0:38:01.119,0:38:04.160
yourself permission to take time but

0:38:02.720,0:38:06.320
going back to your business owners right

0:38:04.160,0:38:07.680
like i think a big thing is helping them

0:38:06.320,0:38:09.200
make sure they have lots of credits

0:38:07.680,0:38:11.520
right so that their money they have

0:38:09.200,0:38:13.119
isn't disintegrating like water because

0:38:11.520,0:38:14.480
you're making money and people see oh

0:38:13.119,0:38:16.800
you've got a lot of revenue coming in

0:38:14.480,0:38:18.240
but your expenses are high too right so

0:38:16.800,0:38:19.440
you've got a multi-million dollar

0:38:18.240,0:38:21.520
operation you're a millionaire no it's

0:38:19.440,0:38:23.119
just revenue coming in but my expenses

0:38:21.520,0:38:24.640
are costing it right it's like it's like

0:38:23.119,0:38:26.400
quicksand at that point and you've got

0:38:24.640,0:38:28.400
to keep on becoming efficient and better

0:38:26.400,0:38:30.320
at making that money faster to keep on

0:38:28.400,0:38:31.839
supporting operating costs right so one

0:38:30.320,0:38:33.920
of the things you do is you get a nice

0:38:31.839,0:38:34.960
line of credit to help fund and your

0:38:33.920,0:38:36.880
agency builds that's coming in

0:38:34.960,0:38:39.440
predictable right and internally what do

0:38:36.880,0:38:40.880
you do make sure your accounting team is

0:38:39.440,0:38:42.480
knocking down an agency people's wall so

0:38:40.880,0:38:43.839
that nobody's beyond 90 days right

0:38:42.480,0:38:46.320
making sure you're keeping that tight

0:38:43.839,0:38:49.280
right so that your money kudos to alex

0:38:46.320,0:38:50.480
and neil on my team they killed the game

0:38:49.280,0:38:52.800
you've got to have a great accounting

0:38:50.480,0:38:54.480
team right to keep that in check right

0:38:52.800,0:38:56.160
because now you're keeping that money

0:38:54.480,0:38:57.359
right and now you know what you have and

0:38:56.160,0:38:58.480
maybe every quarter you look at this and

0:38:57.359,0:39:00.160
say okay how much do we have this

0:38:58.480,0:39:01.760
account is it a thousand five thousand

0:39:00.160,0:39:03.040
fifty thousand hundred whatever that is

0:39:01.760,0:39:05.680
and let's keep on building on this

0:39:03.040,0:39:07.119
number like just keep watching it right

0:39:05.680,0:39:09.119
uh and then there's a lot of different

0:39:07.119,0:39:11.760
cool ways you could save money so one

0:39:09.119,0:39:13.040
thing are 401 k plans right like as you

0:39:11.760,0:39:14.400
get bigger you funded through your

0:39:13.040,0:39:16.000
payroll you could save for your

0:39:14.400,0:39:17.119
retirement because you know for us we're

0:39:16.000,0:39:18.640
not getting any younger but you can do

0:39:17.119,0:39:20.079
it through your paycheck right what i

0:39:18.640,0:39:21.280
like about these things at times though

0:39:20.079,0:39:23.680
is that

0:39:21.280,0:39:26.480
it's uh going to get taxed in the future

0:39:23.680,0:39:27.839
but people don't save on their own easy

0:39:26.480,0:39:30.400
the easiest way to save is through the

0:39:27.839,0:39:31.599
paycheck so if you good point and that's

0:39:30.400,0:39:33.760
the biggest thing it's outside out of

0:39:31.599,0:39:35.280
mind exactly so it's like how do we

0:39:33.760,0:39:37.040
create an environment for you to have

0:39:35.280,0:39:38.800
the highest chance of probability of

0:39:37.040,0:39:40.160
saving money before you even get

0:39:38.800,0:39:42.640
yourself that money depositing your bank

0:39:40.160,0:39:44.800
account so save their 401k plan protect

0:39:42.640,0:39:46.320
yourself from yourself right so i saw

0:39:44.800,0:39:47.760
another thing on instagram it's like oh

0:39:46.320,0:39:49.680
you pay tax on it yeah but you would

0:39:47.760,0:39:51.599
never have had that money and then begin

0:39:49.680,0:39:52.800
with yeah so just put yourself in a

0:39:51.599,0:39:54.640
position of success create your

0:39:52.800,0:39:56.560
environment to be successful take that

0:39:54.640,0:39:59.200
money out before you spend it so 401k

0:39:56.560,0:40:01.280
plan is cool it's a great tool to use

0:39:59.200,0:40:03.760
and 10 15 20 30 years you'll have a ton

0:40:01.280,0:40:05.040
of money in there promise you that um

0:40:03.760,0:40:06.880
that's that's probably the biggest thing

0:40:05.040,0:40:08.400
i see people having easiest without a

0:40:06.880,0:40:10.160
lot of savings yeah in about four or

0:40:08.400,0:40:11.839
five years as a business owner if you

0:40:10.160,0:40:13.359
max that out you'll have a hundred grand

0:40:11.839,0:40:15.119
in there in about 45 years i promise you

0:40:13.359,0:40:16.160
that yeah okay the cool thing about that

0:40:15.119,0:40:17.839
though is you've got about a hundred

0:40:16.160,0:40:20.800
grand in there you can borrow half of

0:40:17.839,0:40:22.319
that money 50 grand and if you and your

0:40:20.800,0:40:23.680
siblings are all in the same company you

0:40:22.319,0:40:24.880
could say hey we're going to take out

0:40:23.680,0:40:26.160
some of this money let's buy some real

0:40:24.880,0:40:28.319
estate with this thing and we'll borrow

0:40:26.160,0:40:31.280
from this account so i'll put in money

0:40:28.319,0:40:33.280
tax deducted i'll borrow it tax free and

0:40:31.280,0:40:34.480
i'll buy a president real estate flip it

0:40:33.280,0:40:36.319
not make some more money put that money

0:40:34.480,0:40:37.440
back in there and we keep on doing this

0:40:36.319,0:40:39.040
all over again

0:40:37.440,0:40:40.960
that's a good way to do it let your

0:40:39.040,0:40:42.160
business help you save money but do it

0:40:40.960,0:40:43.839
out of sight out of mind like you're

0:40:42.160,0:40:44.960
saying right yeah so these 401 k plans

0:40:43.839,0:40:46.160
are awesome it just takes a couple of

0:40:44.960,0:40:47.520
years to kind of build a balance in

0:40:46.160,0:40:49.119
there and then you gotta borrow from it

0:40:47.520,0:40:50.160
put the money back in there especially

0:40:49.119,0:40:52.319
as you're just getting started it's

0:40:50.160,0:40:54.560
finding ways to leverage your cash until

0:40:52.319,0:40:56.720
you really get your own working capital

0:40:54.560,0:40:58.240
for yourself right yeah and everybody's

0:40:56.720,0:41:00.160
at a different journey but it's how you

0:40:58.240,0:41:01.920
use these tools along the way they all

0:41:00.160,0:41:04.000
have pros and cons to it that's one of

0:41:01.920,0:41:05.920
the pros into it um we have these

0:41:04.000,0:41:07.359
defined benefit plans there's these

0:41:05.920,0:41:09.119
these life insurance policies out there

0:41:07.359,0:41:11.200
right and you could actually save money

0:41:09.119,0:41:12.480
inside a life insurance policy you could

0:41:11.200,0:41:15.520
pull that money out there's this tax

0:41:12.480,0:41:16.880
code in section 7702 you could actually

0:41:15.520,0:41:18.319
stuff money inside these policies you

0:41:16.880,0:41:19.839
could borrow from it take it out tax

0:41:18.319,0:41:21.680
free a lot of cool things you could do

0:41:19.839,0:41:23.520
with that right um

0:41:21.680,0:41:25.200
so it's got to be designed properly but

0:41:23.520,0:41:27.040
you could use that so people think wow

0:41:25.200,0:41:28.240
that's different uh you have investment

0:41:27.040,0:41:29.599
accounts that are different from like

0:41:28.240,0:41:31.440
cryptocurrencies so right now everybody

0:41:29.599,0:41:33.359
thinks about like cryptocurrency two

0:41:31.440,0:41:35.200
years ago it was like canada stock right

0:41:33.359,0:41:37.599
like yeah you make money fast you lose

0:41:35.200,0:41:39.520
it right well let's not talk about kids

0:41:37.599,0:41:41.200
so it's always going to be like a theme

0:41:39.520,0:41:42.880
right but i say you know investments in

0:41:41.200,0:41:44.960
the market people are like ah i don't

0:41:42.880,0:41:47.200
trust the market over time the market

0:41:44.960,0:41:48.880
just keeps on growing right it's proven

0:41:47.200,0:41:50.480
itself it's proven itself for sure you

0:41:48.880,0:41:52.720
know but it's just got to be in that

0:41:50.480,0:41:54.560
space it's like uh you got to be surfing

0:41:52.720,0:41:56.800
for a long time around the ways but it's

0:41:54.560,0:41:58.480
proven itself strong right um but the

0:41:56.800,0:42:00.160
cool thing is for a lot of our business

0:41:58.480,0:42:01.359
owners what we do now is we'll have an

0:42:00.160,0:42:02.560
investment account and you can actually

0:42:01.359,0:42:04.079
take out a lot of credit on your money

0:42:02.560,0:42:06.319
right that's a nice thing to have

0:42:04.079,0:42:08.079
because line of credit is an under under

0:42:06.319,0:42:10.640
talked about tool for business owners to

0:42:08.079,0:42:12.560
have because for latinos or minorities

0:42:10.640,0:42:14.000
that can see be seen as a bad thing the

0:42:12.560,0:42:16.079
line of credits are very impactful

0:42:14.000,0:42:18.079
things ah dude it's working smooth out

0:42:16.079,0:42:20.160
cash flow it's the best thing that ever

0:42:18.079,0:42:21.599
i mean it yeah i i could see what you

0:42:20.160,0:42:23.280
mean as far as it could be looked at the

0:42:21.599,0:42:25.040
wrong way but if you use it the right

0:42:23.280,0:42:26.640
way it's it is a tool

0:42:25.040,0:42:28.000
we're a pro culture we're a product

0:42:26.640,0:42:30.640
culture right so if you tell anybody i

0:42:28.000,0:42:32.400
got into debt it's a bad thing it's a it

0:42:30.640,0:42:33.920
makes you look bad who gives a [ __ ]

0:42:32.400,0:42:35.119
right but it's a good thing not a debt

0:42:33.920,0:42:36.720
if you don't you if

0:42:35.119,0:42:38.079
you don't want to pull out

0:42:36.720,0:42:39.440
you know it's just smoothing our cash

0:42:38.079,0:42:41.440
flow yeah right it's like yeah i'm gonna

0:42:39.440,0:42:42.839
pull my line but i get this agency was

0:42:41.440,0:42:45.119
like paid

0:42:42.839,0:42:46.800
yeah that's it man and so those are some

0:42:45.119,0:42:48.880
like small little tools you could have

0:42:46.800,0:42:50.960
right maybe a line of credit have a good

0:42:48.880,0:42:52.880
game plan to save some money on the side

0:42:50.960,0:42:55.119
if you can't implement a retirement plan

0:42:52.880,0:42:57.119
to your your business right you can have

0:42:55.119,0:42:58.720
profit sharing plans for your key staff

0:42:57.119,0:43:00.800
keep them in there because the big thing

0:42:58.720,0:43:02.400
i think that i want to help people do is

0:43:00.800,0:43:04.319
empower their staff to be there forever

0:43:02.400,0:43:05.760
because these are incentives right like

0:43:04.319,0:43:08.720
you're talking about like you know this

0:43:05.760,0:43:11.280
labor market is tough so ways to stand

0:43:08.720,0:43:13.040
out is all of these other ways to say

0:43:11.280,0:43:14.640
you're not only going to make salary and

0:43:13.040,0:43:16.240
have health insurance but look at all

0:43:14.640,0:43:18.720
these ways

0:43:16.240,0:43:19.839
if the company succeeds you succeed and

0:43:18.720,0:43:22.160
i think that's a big thing right it's

0:43:19.839,0:43:23.760
like i think as as

0:43:22.160,0:43:26.640
i don't know the ceos or presidents of

0:43:23.760,0:43:27.760
companies we have a little bit of a

0:43:26.640,0:43:30.079
of um

0:43:27.760,0:43:31.680
of an alpha but we love the attention

0:43:30.079,0:43:33.119
like you love that right but you also

0:43:31.680,0:43:34.880
have to deliver to your family you have

0:43:33.119,0:43:36.720
like a lot of stakeholders that you

0:43:34.880,0:43:38.560
actually are leading and they actually

0:43:36.720,0:43:39.839
rely on you so

0:43:38.560,0:43:41.680
you always want i always want to help

0:43:39.839,0:43:43.599
people understand that

0:43:41.680,0:43:44.800
your success that your family members

0:43:43.599,0:43:46.480
also know that they participate in that

0:43:44.800,0:43:48.640
success right that's a big piece that's

0:43:46.480,0:43:50.560
a huge thing right so and they want them

0:43:48.640,0:43:52.160
to know there's a monetary component to

0:43:50.560,0:43:54.000
that right because yeah you're our

0:43:52.160,0:43:55.920
shining star but i'm also taking care of

0:43:54.000,0:43:57.040
you and you're doing that that's awesome

0:43:55.920,0:43:58.800
you know because a lot of people don't

0:43:57.040,0:44:00.240
do that right it's like yes it's my

0:43:58.800,0:44:02.319
success but it's really our success and

0:44:00.240,0:44:03.359
i think when people see that they are

0:44:02.319,0:44:04.720
following you they're gonna they're

0:44:03.359,0:44:06.480
gonna ride you

0:44:04.720,0:44:08.000
forever they're gonna follow you because

0:44:06.480,0:44:09.680
they know you got their back you know

0:44:08.000,0:44:11.760
what i mean and there's tools that are

0:44:09.680,0:44:13.040
there to recruit retain them and also

0:44:11.760,0:44:14.400
give you confidence like yeah i am

0:44:13.040,0:44:15.920
actually helping them out yeah because i

0:44:14.400,0:44:17.200
am doing it and if they stay with me i

0:44:15.920,0:44:18.720
am actually taking care of because even

0:44:17.200,0:44:20.319
as a leader you might be like man am i

0:44:18.720,0:44:21.680
doing the right thing no you do there's

0:44:20.319,0:44:23.359
doubt all the time oh it's because then

0:44:21.680,0:44:24.480
you you always have that one person that

0:44:23.359,0:44:25.520
could say something that you're just

0:44:24.480,0:44:26.960
like

0:44:25.520,0:44:28.800
damn did i really you're right it's

0:44:26.960,0:44:30.160
alone i have to rethink myself like you

0:44:28.800,0:44:32.079
know like i thought i was doing

0:44:30.160,0:44:34.240
everything good but that person just

0:44:32.079,0:44:35.680
said that that makes me think being a

0:44:34.240,0:44:37.119
leader in your space is a very lonely

0:44:35.680,0:44:38.960
world i've found with a lot of my

0:44:37.119,0:44:40.800
business owner clients so i've connected

0:44:38.960,0:44:42.079
with them in a lot of ways but because i

0:44:40.800,0:44:44.319
understand what's keeping you up at

0:44:42.079,0:44:46.079
night and it's a lonely space you know

0:44:44.319,0:44:47.760
um but there's a lot of pressure for you

0:44:46.079,0:44:50.160
to deliver right but there's a lot of

0:44:47.760,0:44:51.599
cool tools in there to give yourself a

0:44:50.160,0:44:52.880
check and say you know what i'm taking

0:44:51.599,0:44:54.400
care of my family and they're awesome be

0:44:52.880,0:44:56.160
good in long run it's not just me

0:44:54.400,0:44:57.680
because i know you got into a space not

0:44:56.160,0:44:59.040
just for yourself yeah you know and

0:44:57.680,0:45:00.800
that's your mission i think one of the

0:44:59.040,0:45:02.560
first times you had to talk i forget one

0:45:00.800,0:45:04.079
of the the number but yeah it said i

0:45:02.560,0:45:06.079
just want to be able to employ

0:45:04.079,0:45:07.599
thousands of people right and that's a

0:45:06.079,0:45:09.200
powerful message right but the most

0:45:07.599,0:45:10.720
important people there are people that

0:45:09.200,0:45:12.160
have helped you grow right yeah you want

0:45:10.720,0:45:14.079
it foundation you want to make sure

0:45:12.160,0:45:15.200
they're secure you know that that they

0:45:14.079,0:45:16.319
could pay their bills they could send

0:45:15.200,0:45:17.440
their kids to the best schools possible

0:45:16.319,0:45:18.720
right yeah so you have all these

0:45:17.440,0:45:20.400
financial instruments that are available

0:45:18.720,0:45:21.920
to people but also for you to be like

0:45:20.400,0:45:23.359
yeah i could hook you up and it's not a

0:45:21.920,0:45:24.560
matter of hook you know it's i'm laying

0:45:23.359,0:45:27.119
a foundation so that you have that

0:45:24.560,0:45:29.599
security for yourself too nice

0:45:27.119,0:45:31.680
well man you guys

0:45:29.599,0:45:32.800
i know talking about numbers and finance

0:45:31.680,0:45:34.960
is you know

0:45:32.800,0:45:37.440
it could get it could bog you down it

0:45:34.960,0:45:39.920
could it's a lot to intake but i hope

0:45:37.440,0:45:42.160
that this conversation that we had um

0:45:39.920,0:45:44.960
just gave you guys some information some

0:45:42.160,0:45:47.040
some nuggets of just good information

0:45:44.960,0:45:50.000
and a wealth of knowledge to understand

0:45:47.040,0:45:52.560
how important finance planning setting

0:45:50.000,0:45:54.640
goals the different instruments

0:45:52.560,0:45:56.160
that especially us right the cleaning

0:45:54.640,0:45:58.480
industry

0:45:56.160,0:45:59.680
business ownership that we can take

0:45:58.480,0:46:01.839
advantage of

0:45:59.680,0:46:04.480
and find your everybody find yourself a

0:46:01.839,0:46:06.240
yulie right everybody needs one right

0:46:04.480,0:46:08.079
it's just important for you to know you

0:46:06.240,0:46:10.400
don't have to do this by yourself you

0:46:08.079,0:46:14.240
have people that could be on your team

0:46:10.400,0:46:15.920
um and support you so julie dude any any

0:46:14.240,0:46:17.520
last minute

0:46:15.920,0:46:18.640
things that you want to share other than

0:46:17.520,0:46:20.319
that

0:46:18.640,0:46:21.680
life is tough as it is i think the

0:46:20.319,0:46:23.200
biggest thing is

0:46:21.680,0:46:24.400
you know don't compare yourself to that

0:46:23.200,0:46:26.720
person that's doing well out of you

0:46:24.400,0:46:28.960
right comparison is a diva joy right

0:46:26.720,0:46:31.280
and progress little by little is

0:46:28.960,0:46:32.480
progress nonetheless right so just take

0:46:31.280,0:46:34.560
one step in the right direction and

0:46:32.480,0:46:36.960
build momentum that's all you focus on

0:46:34.560,0:46:39.040
is one day at a time right so

0:46:36.960,0:46:41.200
don't get caught up in instagram and

0:46:39.040,0:46:43.200
social media where we should be at you

0:46:41.200,0:46:45.680
all have your own journey take your time

0:46:43.200,0:46:47.359
to make progress every day oh man

0:46:45.680,0:46:49.839
cheers buddy cheers

0:46:47.359,0:46:51.599
thank you guys and then also for for

0:46:49.839,0:46:53.040
everybody that's watching if you're cool

0:46:51.599,0:46:56.480
with it we're going to put your linkedin

0:46:53.040,0:46:58.560
yeah and all your social media maybe an

0:46:56.480,0:46:59.920
email as well like just so you guys can

0:46:58.560,0:47:01.119
actually reach out to him it'll be in

0:46:59.920,0:47:02.800
the description down below in the

0:47:01.119,0:47:05.680
youtube channel don't forget to

0:47:02.800,0:47:07.839
subscribe hit that bell um for more and

0:47:05.680,0:47:09.599
more information uh i hope you guys

0:47:07.839,0:47:11.200
enjoy man it's it's

0:47:09.599,0:47:12.480
you know julie doesn't come from the

0:47:11.200,0:47:14.160
cleaning industry

0:47:12.480,0:47:15.040
but he's a business professional that

0:47:14.160,0:47:16.800
helps

0:47:15.040,0:47:18.319
people in the cleaning industry this is

0:47:16.800,0:47:20.480
why i brought you on bro thank you so

0:47:18.319,0:47:22.839
much i appreciate it all right until

0:47:20.480,0:47:25.530
next time guys

0:47:22.839,0:47:28.609
cheers was good

0:47:25.530,0:47:28.609
[Music]