Aug. 29, 2024

From Coffee to Finance: Brandon Neely's Journey

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In this episode of the Living the Dream with Curveball podcast, host Curveball interviews Brandon Neely, a serial entrepreneur and co-founder of the Wealth Wisdom Finance podcast. Brandon shares his journey from the music industry to financial services, highlighting the challenges and triumphs along the way. They discuss the Profit First and Bank on Yourself strategies, the importance of financial literacy, and the impact of thoughtful financial planning. Brandon also introduces the STILL Method and his interactive money journal, providing practical advice for aspiring entrepreneurs and business owners.

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> Curtis Jackson (also known as DJ Curveball)>Welcome, um, to the Living the Dream podcast with curveball. Um, if you believe you can achieve Chee Chee, welcome to the Living the dream with Curveball podcast, a show where I interview guests that teach, motivate, and inspire.

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> Curtis Jackson (also known as DJ Curveball)>Today I'm joined by Syria entrepreneur, profit first, and bank on yourself professional, and the co founder of the wealth Wisdom Finance podcast, Brandon Neely. Brandon and his wife are the co founders of the podcast, and we're going to be talking to him about his story, his show, and what the, uh, profit first, bank on yourself actually means. So, Brandon, thank you so much for joining me today.

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> Brandon Neely>Hey, thanks for joining me, Curtis. I'm excited to be here and share all about microfaults, that's for sure.

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> Curtis Jackson (also known as DJ Curveball)>Why don't you start off by telling everybody a little bit about yourself?

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> Brandon Neely>Yeah. Uh, you kind of alluded serial entrepreneur. I'm, um, also a, um, married, um, for 18 years. Uh, we've been married and 18 years and doing a business together for almost all of it. Also a parent of a six year old and a caretaker of a 75 year old. So, uh, wear a few hats.

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> Curtis Jackson (also known as DJ Curveball)>Okay, well, just kind of tell us about your journey and how you, how you and your wife got started on this journey.

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> Brandon Neely>Yeah, I mean, there is so much to it. Um, we used, um, to, well, partially, we always wanted to make a difference in the world. I used to be in the, uh, music industry back in the day. I was in the military, uh, for a little time. And, um, really, it was all about changing the world, making a difference in the world. And so that's what led us into the coffee shop that we had, um, and we love that experience. It's all about ethical economics and community building. Uh, however, um, as I mentioned earlier, uh, I'm a caretaker, um, of my mother in law, and I now have a six year old. And it was about six or seven years ago where we were starting to take care of her. I, and, uh, my father in law, um, well, ten years ago was when we were taking care of him and her. Um, and then we found out we were pregnant and we need to make a change. And so we, uh, moved into the financial services. And I can tell you more about that story, uh, if you want to hear about it. But really, um, I'm, um, now in the financial services because I had so many curveballs that happened to, that led, uh, us into finance. But I'm, um, all about changing the world, making a difference, whether it's in finance or coffee, that's my main goal.

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> Curtis Jackson (also known as DJ Curveball)>Well, I definitely want to hear your story about the financial service industry. But first tell us about your time in the music industry.

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> Brandon Neely>Oh, uh, there's a few things I can say and cannot say, but, uh, I used to work for some of the biggest celebrities, uh, in, in the, ah, world, uh, and saw a lot of things, um, and, um, well, um, got out of it after seeing sex, drugs, rock and roll, literally. Uh, and I'm just like, all right, I cannot stay here. I gotta, gotta move on. Um, it's the greatest good industry, but, um, it just wasn't for me.

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> Curtis Jackson (also known as DJ Curveball)>I completely understand. Well, give us your story about the financial services industry.

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> Brandon Neely>Yeah, so I ended up in the financial services mainly because, so with, um, our coffee shop, um, back in the day, we running, um, it is seven years in. And, um, I remember literally this was a total curveball that happened, uh, that I was at the gym working out with my wife on the other side. Staff was working, uh, actually, the staff that called me, called me the other day, I guess seven years later. Um, just remember this. So, uh, he calls me. I don't answer the phone because I'm like, um, I'm running. I'll deal with it later. So, so I move on to the other one and, um, um, uh, uh, running. And, and he calls my wife, which, you know, she's right there. And, uh, she's like, answers. And he's like, you guys need to come in. The store is falling apart. Well, we had heard the rain outside. We didn't realize that the roof was off. They, for, they didn't put a tarp on. And the, um, whole coffee shop got flooded. Right, totally flooded. Um, and we go in afterwards and we're like, oh, man, our whole business is down the drains, literally.

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> Brandon Neely>Um, well, we didn't realize that my wife at the time was pregnant. We had no idea. Uh, we found out a few months later. Um, but we, we're like, all right.

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> Brandon Neely>We were able to overcome this flood because of what we, the systems we had put in place for emergencies and using, uh, our financial acumen, which we didn't know we had. We were just trying to be smart. Um, and because of what we did, we were able to sell the business and not close the business, which is two different things. To be able to sell, uh, it to somebody else, uh, and move, transition. Because guess what? I could, as a business owner, do certain things like eat ramen or things that some people are like, yeah, um, it's okay, you love it. But when you're a parent, you have to make some different changes. So we decided to pivot, and I applied to work with my mentor, um, now, uh, applied to work with him.

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> Brandon Neely>He said, no, you're too entrepreneurial. I can't hire you.

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> Brandon Neely>So two months later, I'm starting to look for a job because I'm like, I gotta go look for a job. I gotta sell this business. Gotta, um, provide now, I guess, for three instead of just us. Um, so we start looking. I am. My wife's like, I'm not gonna get a job because I'm seven months pregnant. Well, then my mentor calls and says, I have an idea. How about you and your wife start your own financial service agency and I'll train you?

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> Brandon Neely>I was like, oh, that sounds awesome. So then we started down this road, not realizing that the financial services world is very, how should I say, corrupt and complicated and opinionated.

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> Brandon Neely>We just knew that this system that we had built in place made a difference for us, and we wanted to help more people. So that's how I ended up in this industry, not realizing that there's so many crazy opinions out there.

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> Curtis Jackson (also known as DJ Curveball)>Well, tell the listeners what the profit first bank on yourself motto is.

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> Brandon Neely>Yeah. So profit, uh, first, that is a way of, um, kind of like the envelope system, where as a business owner, you are. And it's two different systems, but it's making sure that you are building a profitable business and you're paying yourself fairly. So instead of all the money coming in, and this is the way most people run their finances, is they have, um, more month than money, right? You ever heard that? I think. I think that's what they say, more month than money. Um, meaning there's. Yeah, their expenses are outweighing.

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> Brandon Neely>Right. So what we want to make sure of is that we run a profitable business. And so instead of, you know, living in a world where it's.

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> Brandon Neely>We're just eating and consuming, right? This is like the Thanksgiving, uh, plate. You know, we have so much food, and we just eat it. All right, well, what Mike Michalowicz, the founder of profit, first says is make smaller plates, right? So then you have your, uh, income coming into the business, but then you separate it. You have taxes, you have owners pay, you have profit, and then you have opex, right? So then you're building a profitable business and you're not spending money. You don't have to run a business. Or you're just saying, oh, I'm just going to run it on Facebook ads or, I don't know, whatever.

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> Brandon Neely>So we want to, like, run a lean, profitable business, and then, uh, I implement my banking, uh, yourself strategies of.

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> Brandon Neely>Okay. One of the banks that I use happens to be a life insurance policy that I'm able to have control over. So it's really a way of giving your money jobs and allocating it in the right way.

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> Curtis Jackson (also known as DJ Curveball)>Well, what advice would you give somebody who is looking to start their own business?

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> Brandon Neely>There's three things, and I tell this to everybody. Um, if you want to start a business, know, um, that you know that you know that you're called to it, right? Because running a business is hard. Uh, most people, or podcasts or anything, you. You run a podcast, right? Not the easiest thing. People think, oh, it's easy. You just run a podcast. Like.

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> Brandon Neely>No, it's a lot of work, right. So you got to know that, you know that you're called to it. Right.

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> Brandon Neely>Then my second thing I tell every business owner is have a team around you that care about you, not just what you produce, right. Uh, because they don't just care about the business, but they care about you as a person. Right. And so having mentors, guides, um, uh, coaches along the way, and then know, uh, your numbers. Right. M a lot of people, I swear to God, they're sleepwalking through life.

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> Brandon Neely>They have no idea. So, especially don't just advocate it to somebody else, but, um, know your numbers so you can make smart moves. That's the problem in our world today is we don't even know our own numbers. We're just using a credit cardinal, um, like a lottery ticket or something. I don't know.

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> Brandon Neely>Those are the three things for sure.

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> Curtis Jackson (also known as DJ Curveball)>Well, what are some of the signs that a person should look for to know if they need to make a big pivot in their business? Using profit first.

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> Brandon Neely>Yeah. So what I like to think about is, as I'm growing a business, one is I want to make sure I'm taking care of me, uh, us in opex or owners pay. And then as these are growing, I just make. It's an 80 20 rule kind of idea. So, um, 20% of what you do doesn't matter. 80% does, right.

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> Brandon Neely>Even. Even if you look at, um, probably your podcast, you're going to get most of the viewers from 20% of the podcast, and 80% doesn't work. So, knowing those numbers and knowing what to double in on, it's kind of like Facebook ads. You can do those tests, right? And so starting to figure out what's working and then amplify those things. Right.

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> Brandon Neely>Maybe, uh, you don't put all your money into one thing, but then as you know, it's working, then that's when you turn up the dial.

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> Brandon Neely>Right. Um, it just helps to know what's working and what's nothing. Uh, and then you double in on what's working. Right. Why would you keep working on stuff that doesn't work?

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> Curtis Jackson (also known as DJ Curveball)>So, describe what it would look like, let's say, if I was a business owner and I wanted to use the bank on yourself model.

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> Brandon Neely>Ah.

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> Curtis Jackson (also known as DJ Curveball)>Uh, what would that look like?

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> Brandon Neely>Yeah. So, again, what I like to think about is banking yourself is. And it's also known as infinite banking. Um, it is a cash flow management system, kind of like, uh, profit first. But it's what Dave Ramsey loves to hate on. And he'll say all day long, um, that it's this or that. But it's a whole life insurance policy that's properly designed, that has high cash value. Right. So not all policies are the same. Not all whole life is the same. You want to work with a specialist that knows how to build these policies. That's was me. That's me and my mentors. Right.

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> Brandon Neely>But, uh, how I've used it is. Think about it this way. Your need for financing is there all the time, right. Um, most people need capital to start a business, right? And the most profitable business in the world, if you, Curtis, tell me, what do you think is the most profitable.

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> Curtis Jackson (also known as DJ Curveball)>Business in the world that can have more money than mine instead of the other way around?

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> Brandon Neely>But what's the most profitable business in the world if you were to say they are? Uh, if you look around, what's the most profitable business that you would think about it?

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> Curtis Jackson (also known as DJ Curveball)>Maybe Apple.

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> Brandon Neely>Yeah. Or banks, right?

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> Curtis Jackson (also known as DJ Curveball)>Oh, yeah, that's right.

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> Brandon Neely>Banks, uh, use your money to then give to somebody else. And they, you know, you might get a low interest, but they'll charge you 25% interest on just a credit card, right? So you learn, don't do what the banks tell you to do. Do what the banks do.

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> Brandon Neely>Right. Uh, and your biggest investment, in my opinion, and biggest risk is you. Right. Um, meaning your what you yourself, as a business owner, you should protect that investment. Right. That's why I like it. I like life insurances. Because if there was a cash machine, you better believe you would have put it on, uh, you would have some kind of a policy on it, right? Some kind of making sure, if the cash machine broke, that it's gonna be okay. Right. Uh, all day, every day, people would do that. But in this case, you just happen to be the cash machine. And I also want to double it and use it not just for retirement or savings, but I want to use it for, um, a way of putting my savings through to then use, uh, for other things. So I use my policy all the time, and I've used it to, um, buy an office condo, this building or condo that I'm in right now. I used my policy to be my own mortgage, and then my business now pays me rent.

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> Brandon Neely>So then I'm playing two sides of the sink of a coin, right?

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> Curtis Jackson (also known as DJ Curveball)>Absolutely. And that's very smart.

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> Curtis Jackson (also known as DJ Curveball)>Talk about the steel, uh, method.

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> Curtis Jackson (also known as DJ Curveball)>Practice. What is that? And how can people use that?

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> Brandon Neely>Yeah. So this all goes together. And the way I've, again, thought about this, and you might, um, agree, right, most people, uh, are sleepwalking through life. They don't even know. They haven't asked any qualifying, uh, questions of themselves, right? They are. What I like to say is, and this is our book.

00:16:36.761 --> 00:16:48.389
> Brandon Neely>The five smooth stones is our, um, interactive money journal that we created. And it's part of learning the profit first system, learning the bank on yourself system, running a business.

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> Brandon Neely>And me and my wife's conversations, we've had many conversations through the years. Um, every month, uh, we go through the still method ourselves. What the still method is not. Is not chaos, right? So this is, uh, what we like to call it, confusion, haphazard, anxious, overwhelming and stressful, right? That is, uh, the acronym for chaos, or the words we put into it. Now, think about COVID think about your taxes, right? Think about, I don't know, whatever's happening in the world, right?

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> Brandon Neely>Most of the time, it's chaos, right?

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> Brandon Neely>And a lot of businesses make a lot of money off of, um, confusion, right?

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> Brandon Neely>There's a. Donald Miller says, if you confuse, you lose, right? So if we're all confused, we're losing, right?

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> Brandon Neely>So we need to move from chaos to clarity, right? Make sense there. So then we've define that we don't want to live in chaos, but most people say they don't want to live in chaos, but they do, right? Because they haven't actually taken the time to think. You ever heard of the book the road less stupid?

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> Curtis Jackson (also known as DJ Curveball)>No, I haven't.

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> Brandon Neely>Uh, I highly recommend, uh, that book. It's by, um, Keith Cunningham, and he is, like, the road less stupid. And most of the time, he says, go think now, go think. Most of the time, people, it's the shortest thing, uh, in supply now is nobody knows how to think, right?

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> Brandon Neely>We consume, but we aren't good at thinking. So, um, the still method came from our, uh, we're people of faith, right? And so in the Bible, he says, be still and no, right. Step back. Right. I, and so we made this acronym, and whether it's a life insurance policy or, um, profit first, it doesn't matter. But you have to set your sites. You have to know where the heck you want to go. Most people have no idea where they want to go. Right. Uh, so set your sites. Then you have to track your in and out, meaning you have to budget or at least kind of know where things are. Like, this is, you go to a baseball game and they track stuff, right. Inspect, uh, your progress. You don't just track it, but you inspect it, look for 1% adjustments, and then live deliberately. Right. And if you do those things, whether it's in your marriage, uh, with your kids, with your money, set your sites, track, inspect, look for 1% and live deliberately, you will be a lot further along than most people. Most people haven't even written their goals, right. Um, so write those things down. You can even not even use the book. But I recommend the book because then it gives you prompts and helps educate, uh, you along the way.

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> Curtis Jackson (also known as DJ Curveball)>Well, tell us about your money journal and your podcast. What can people expect when they look through the money journal and what can they expect when they listen to your podcast?

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> Brandon Neely>Yeah, this is not going to be a, uh, a podcast that you just say, oh, I'm going to listen to this, I'm going to buy this program, and everything's going to be solved for only 1999, right? Um, you know that, you know I'm talking about there's all those gimmicks out there, right? Uh, and most of the time, those are called ponzi schemes.

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> Brandon Neely>Um, and so what this is, is, and in our podcast, it is helping you think, right? We are not just going to give you, we might give you information, thoughtfulness. We'll talk about history, right? But it's within the book. It is a interactive money journal. It is, um, something that you're dialoging with. We might give you ideas and prompts to think through it, but in essence, we are just helping you find the answers for you.

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> Brandon Neely>Because, uh, I don't know about, um, you, curtis, but we're all different people, right? We have different goals, different backgrounds. Um, right. Um, and so what I might say may not work for you, right? Based off of age and health and goal, all the goals, right? So you have to figure out what works for you. That's why I don't like dave ramsey of the certain. Everybody's in one big bucket. It's not the case that's any financial person that says, everybody should do this. Um, well, that shouldn't be true, but you're able to do the right, ask the right questions. And sometimes the answers may be different on seasons. So that's why you might buy multiple books and the answers might be different. But it's an interactive, uh, study.

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> Curtis Jackson (also known as DJ Curveball)>Well, what are some of the ways that we can be thoughtful about the social impact of how we use our money?

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> Brandon Neely>That's a hard question, I think.

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> Brandon Neely>Social impact, and I've told this to people all the time within our coffee shop. Right. We vote with our dollars every day. Right. Um, whether we are buying products, buying coffee, uh, looking where the label says.

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> Brandon Neely>Right. Um, when I think about, um, all of our products and the slavery that was in our world back, and I think it still exists, we just hide it is to be able to kind of know the impact of what we buy, what we consume matters. Right. We are in a capitalistic world, but how that plays into our everyday actions really matters. So I think about not just voting in November, but I vote with my dollars every day, buying the right kind of coffee. And sometimes it might be what hits you and you start learning, hey, uh, as I go down this hole, there's other things that I might say, hmm.

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> Brandon Neely>I want to make sure that my clothing, uh, isn't hurting somebody or isn't, you know what I mean?

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> Brandon Neely>And there's so much that we can go into, but starting to realize that our dollars impact every area.

00:23:39.279 --> 00:23:45.019
> Curtis Jackson (also known as DJ Curveball)>Well, tell us about any upcoming projects that you're working on that people need to be aware of.

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> Brandon Neely>Yeah. So we are really working on a new website. So if you go to wealth wisdomfpennesse.

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> Brandon Neely>Um, if you go to wealthwisdomfp.com shop, you'll see our book. We, uh, have our community. The main thing that we're working on now is, hey, I know as I've run a business that, um, I'm not the best at, uh, the wrapping paper, meaning, uh, I know, uh, we create a good system. We created a great book. Um, we are utilitarian, so wrapping paper seems a bit stupid to me. Um, like, you know, why would you buy it, spend all this money on something that you're just going to rip up. But, um, what we've learned is a lot of people like that kind of thing. So we're working on a wrapping paper, if you will, um, with our new website and some other projects that hopefully will be out here, uh, in September, uh, October, um, to help us personally. Cause we again are utilitarian. We're just like, you know, we're very much just thinking through. Well, uh, I don't need all this fluff. That's kind of ridiculous. But, uh, people like that stuff. So that's what I'm really working on is how do I show that in a better way that makes people say, oh, I'm really excited to look at my budget. I don't know.

00:25:08.961 --> 00:25:12.960
> Brandon Neely>Most people aren't even excited about that stuff, but it impacts everything.

00:25:15.099 --> 00:25:22.799
> Curtis Jackson (also known as DJ Curveball)>All right, we'll close this out with some final thoughts. Maybe if that was something I forgot to talk about that you would like to touch on, or any final thoughts you have for the listeners.

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> Brandon Neely>Well, for you, I'm curious, uh, why, um, do we name it curveball? Like why? I'm curious on that.

00:25:34.140 --> 00:25:47.410
> Curtis Jackson (also known as DJ Curveball)>Well, I'm a hip hop artist and my best friend Sean Davis back in the 8th, 7th, 8th grade named me curveball. That's always stuck with me because of him. I wanna keep the name alive. So that's why I did it.

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> Brandon Neely>Nice. So what kind of hip hop?

00:25:50.630 --> 00:25:58.410
> Curtis Jackson (also known as DJ Curveball)>Oh, just, just all kind. I like variety. I like to, uh, do variety in my songs. That's gonna touch people.

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> Brandon Neely>Nice. Nice. Yeah, I know. Again, uh, going back to some of the music, um, that affects people so much. Um, but then there's also, there's some, some craziness out there. I talked to MJ, I've talked to Shaq. Ah. And a bunch of other people along the way. Uh, it can impact people's lives and some, there's also craziness. As you probably know, a lot of curveballs out there.

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> Brandon Neely>Um, not, not you specifically, but life.

00:26:32.009 --> 00:26:37.150
> Curtis Jackson (also known as DJ Curveball)>Oh, most definitely. Got any, uh, final thoughts for the listeners before we close it out?

00:26:38.009 --> 00:27:04.269
> Brandon Neely>No. My main thing is you as a listener, take control of your own finances. Don't just delegate it to somebody else. Uh, learn to think for yourself. Because no one, I don't care who, is in presidency, whenever this plea goes in, it doesn't matter. Um, understanding your own, uh, finances. And don't just be a victim, be a victor.

00:27:06.849 --> 00:27:34.903
> Curtis Jackson (also known as DJ Curveball)>Wise words from m mister Brandon Neely, ladies and gentlemen. Check out that money journal. Check out that podcast. Check out their website, follow rate review. Share this episode to as many people as possible. Jump on your favorite podcast app. Give us a follow and a review. If you have any guests or suggestion topics, see Jackson or, uh, Curtis Jackson 1978. Net is the place to send them. Thank you for listening and supporting the show.

00:27:34.951 --> 00:27:38.740
> Curtis Jackson (also known as DJ Curveball)>And Brandon, thank you for all that you do. And thank you for joining us.

00:27:39.559 --> 00:27:42.579
> Brandon Neely>Awesome. Great to, uh, be here, Curtis.

00:27:43.240 --> 00:27:51.192
> Curtis Jackson (also known as DJ Curveball)>For more information on the living the Dream podcast, visit www.djcurvefball.com.

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> Curtis Jackson (also known as DJ Curveball)>until next time, stay focused on living the dream dream.