EP 17: Who Really Controls Your Future?

WEBVTT

00:00:16.719 --> 00:00:20.399
Hi guys, welcome back to Real Love Real Life Podcast.

00:00:20.480 --> 00:00:21.519
I'm your host, Jasmine.

00:00:21.679 --> 00:00:22.480
And I'm Ernesto.

00:00:22.879 --> 00:00:28.879
We have a special guest today, and we're talking about something that a lot of people don't feel comfortable talking about.

00:00:29.039 --> 00:00:29.839
At least I don't.

00:00:29.920 --> 00:00:31.440
I don't like this conversation.

00:00:32.159 --> 00:00:33.280
But it has to be done.

00:00:33.439 --> 00:00:33.840
Yes.

00:00:33.920 --> 00:00:35.520
Um, it has to get done.

00:00:35.759 --> 00:00:39.679
And we're talking about money, but don't don't scroll yet.

00:00:39.759 --> 00:00:40.960
Like it'll be fun.

00:00:41.200 --> 00:00:44.719
You're gonna have a good time, and it's gonna be really educational.

00:00:45.119 --> 00:00:49.439
Um, so I'm gonna hand you over to Kyle.

00:00:49.679 --> 00:00:50.479
Say hi, Kyle.

00:00:50.560 --> 00:00:51.039
Introduce yourself.

00:00:51.359 --> 00:00:52.079
Nice to meet you guys.

00:00:52.159 --> 00:00:53.359
Kyle Foyle here.

00:00:53.679 --> 00:00:56.320
Okay, so we met him last week.

00:00:56.479 --> 00:00:59.679
We've been meeting so many good people here in Arizona.

00:00:59.840 --> 00:01:03.200
Um, but we met him at the what is it called the end of Foodie Land.

00:01:03.359 --> 00:01:04.000
Foodie land.

00:01:04.400 --> 00:01:07.760
And he was just doing his thing, interviewing people.

00:01:07.920 --> 00:01:10.000
He is a financial broker, is that right?

00:01:10.239 --> 00:01:11.680
Yeah, life insurance broker, yeah.

00:01:11.840 --> 00:01:12.959
Okay, financial broker.

00:01:13.120 --> 00:01:15.840
Um, to be honest, I don't really know what that is, but right now he'll explain it to us.

00:01:16.159 --> 00:01:16.959
I gotcha.

00:01:17.599 --> 00:01:22.000
And um he interviewed Ernesto, asked him some questions and all of that.

00:01:22.079 --> 00:01:30.000
And I thought, or Ernesto thought it was a really good idea to bring him on because he's like, I think this is something really important to like get to people.

00:01:30.319 --> 00:01:33.680
Hey, these are these are conversations you need to start having as an adult.

00:01:33.840 --> 00:01:34.239
Yep.

00:01:34.719 --> 00:01:40.480
And until I started watching his videos recently, like I didn't really know like about life insurance.

00:01:41.439 --> 00:01:48.799
Especially if you grow up, I feel like the minorities you're just taught to just work hard and save your money.

00:01:48.879 --> 00:01:49.760
But nobody told you.

00:01:54.079 --> 00:01:59.200
In a Hispanic household, you don't get raised like with somebody telling you, Hey, go get life insurance.

00:01:59.359 --> 00:02:00.480
Yeah, yeah, we throw a car wash.

00:02:00.560 --> 00:02:01.200
We're barely getting by.

00:02:01.280 --> 00:02:03.920
Like, we're not throw a car wash at a Philly's birthday.

00:02:04.079 --> 00:02:11.439
Yeah, nothing wrong with that, but it's just we're not prepared for the only thing that's promised in life, which is death, unfortunately.

00:02:11.599 --> 00:02:12.560
So yes.

00:02:12.719 --> 00:02:17.120
Um, so Kyle, tell us um, first of all, like what what is this?

00:02:17.520 --> 00:02:21.520
Um basically explain it to us in like regular people terms.

00:02:21.759 --> 00:02:22.639
Yeah, for sure.

00:02:22.800 --> 00:02:26.879
Um, so just like life insurance in general, yeah, or like the broker, all of that.

00:02:27.120 --> 00:02:35.759
So basically, um, as a life insurance broker, you are partnering with over, let's just say like 10 companies, like National Life Group, Foresters, Financial.

00:02:35.840 --> 00:02:39.199
A lot of people know like Mutual Velmaha or Affleck, like Duck, you know what I mean?

00:02:39.520 --> 00:02:39.919
Affleck.

00:02:40.080 --> 00:02:45.840
Um, but the thing is, is like, come let's just say you go to like a state farm, like Jake with the khakis, right?

00:02:46.000 --> 00:02:49.439
They can only offer one insurance, which is their insurance.

00:02:49.520 --> 00:02:49.680
Yeah.

00:02:49.840 --> 00:02:54.719
But if you go with a broker, it's kind of like going to the buffet or going going shopping on Amazon.

00:02:54.879 --> 00:02:59.280
You know, you got all these options, see which ones best fit you and your family's needs.

00:02:59.360 --> 00:03:04.560
So that's when a broker comes in and they could pick and shop for you with like the best option for you and your family.

00:03:04.800 --> 00:03:09.039
Instead of just being like, we only have this one, yeah, it's not that good of a fit for you.

00:03:09.120 --> 00:03:10.479
We're gonna send you to somebody else.

00:03:10.800 --> 00:03:13.759
Yeah, you're you're like a one-stop shop for life insurance.

00:03:13.840 --> 00:03:14.639
Yeah, that makes sense.

00:03:14.719 --> 00:03:22.319
Yeah, it's like kind of car insurance, it's like the statement on 15 to 25 is like that's all we offer is like, well, I need the 50 to 75.

00:03:22.479 --> 00:03:25.520
Yeah, because my car is worth 80, so it's like, yeah.

00:03:25.680 --> 00:03:26.639
So that makes sense.

00:03:26.879 --> 00:03:34.479
Because, and just one thing too, is because there's different people with different health concerns, too, like diabetes or you know, stuff like that.

00:03:34.719 --> 00:03:40.879
There's a lot of companies that are out there that like you know, let's just say Stay Farm, for instance.

00:03:40.960 --> 00:03:44.319
Like, let's just say you can't get approved because you have diabetes, yeah.

00:03:44.479 --> 00:03:51.199
But if you go with the broker, they could, you know, search some options for you, yeah, and then you can find a policy that accepts diabetic.

00:03:51.599 --> 00:03:52.639
Because they're pretty thorough, right?

00:03:52.719 --> 00:03:57.280
Yeah, I don't know too much about it, but yeah, they're not gonna give you that life insurance that they could.

00:03:58.560 --> 00:04:01.439
Yeah, because you're some people are too risky, yeah.

00:04:01.759 --> 00:04:05.039
So okay, kind of like John Q, like how his son, yeah, exactly.

00:04:05.199 --> 00:04:10.719
How the son, like it just went undetected, and then when he needs help, there's just like no insurance.

00:04:10.800 --> 00:04:11.199
Yeah, yeah.

00:04:11.439 --> 00:04:16.959
Literally told him, like, you don't have the right insurance, yeah, or the right, yeah, that's the key guys, the right insurance, right insurance.

00:04:17.120 --> 00:04:21.759
And everybody's different, so yeah, that's when that comes in, the brokerage comes in handy.

00:04:21.920 --> 00:04:22.720
That makes sense.

00:04:22.879 --> 00:04:25.120
So, how did you even like get into this field?

00:04:25.199 --> 00:04:26.560
Like, were you always like the money man?

00:04:27.279 --> 00:04:28.480
No, no, no, no, no.

00:04:28.720 --> 00:04:31.120
I I worked in the restaurant industry growing up.

00:04:31.360 --> 00:04:31.600
Okay.

00:04:31.759 --> 00:04:33.120
So a little bit about my story.

00:04:33.199 --> 00:04:34.800
I just talked about myself for a second.

00:04:35.199 --> 00:04:35.439
Go ahead.

00:04:35.680 --> 00:04:38.480
Um, but so I grew up in a single mom household.

00:04:38.560 --> 00:04:39.920
It was me, my sister, my mom.

00:04:40.079 --> 00:04:43.199
I always joke around and say, like, my dad is still going to get the milk, you know what I mean?

00:04:43.279 --> 00:04:44.240
Well, same.

00:04:44.560 --> 00:04:44.959
Yeah.

00:04:45.519 --> 00:04:50.879
But um, so you know, EBT and government assistance food stamps was like all us.

00:04:51.279 --> 00:04:54.560
And so I was a busser, server, fruit runner, hose dishwasher.

00:04:54.639 --> 00:04:58.879
I worked at Boston Market, Lolo's chicken and waffles as a dishwasher.

00:04:59.120 --> 00:05:00.000
Love that place.

00:05:00.560 --> 00:05:02.720
And then uh uh fine dining restaurant.

00:05:02.800 --> 00:05:04.399
And I stayed there for about five years.

00:05:04.560 --> 00:05:11.120
But you know, like when you're at a job for so long, you feel like there's something more to do in life, and you get stuck in the routine.

00:05:11.199 --> 00:05:15.839
Yeah, I was comfortable but uncomfortable, and I got laid off during COVID of 2020 in March.

00:05:16.000 --> 00:05:17.519
Oh, and so the restaurant shut down.

00:05:17.600 --> 00:05:20.639
I was like, How am I gonna pay for bills, provide, provide for my wife?

00:05:20.800 --> 00:05:23.600
And I was starting DoorDash and Uber Eats for about six months.

00:05:23.839 --> 00:05:30.079
And then I guess one of my friends got started straight out of high school, and he was hitting up my wife on Facebook.

00:05:30.240 --> 00:05:31.360
Not like that, you know what I mean?

00:05:31.519 --> 00:05:34.800
But he was just like, Hey, um, like, are you keeping your options open?

00:05:34.879 --> 00:05:35.759
Come check us out.

00:05:36.000 --> 00:05:39.839
And she was like, every excuse in the book, she's like, I'm too busy, I like where I'm at, right?

00:05:40.000 --> 00:05:45.920
Dang, but then she knew I was looking, and then she gave him my phone number, and I sat down with the broker and I learned more about it.

00:05:46.079 --> 00:05:51.360
I was like, Well, similar to what you guys were talking about earlier, they don't teach us this in school, you know.

00:05:51.519 --> 00:05:54.240
Like my wife's um dad, he's Hispanic.

00:05:54.319 --> 00:05:59.360
My wife is from Sinaloa, and uh he was just like, Well, why would I want life insurance?

00:05:59.519 --> 00:06:04.480
Because if something were to happen to me, it goes to the Sancha, you know, and like my side piece.

00:06:04.639 --> 00:06:12.160
But um, yeah, so I guess I get started, it made sense to me, and then we started it out, started it off part-time.

00:06:12.319 --> 00:06:16.000
Eventually, we made more income in that opportunity than we did at any other job.

00:06:16.319 --> 00:06:19.519
It just made sense for us to go full-time and start helping people full-time.

00:06:19.759 --> 00:06:20.480
Yeah, yeah.

00:06:20.800 --> 00:06:22.319
That that's amazing.

00:06:22.480 --> 00:06:25.519
That's really so this is like fairly new.

00:06:25.600 --> 00:06:26.800
Like you didn't grow up.

00:06:26.879 --> 00:06:28.879
Like, I thought, I don't know why.

00:06:29.040 --> 00:06:36.160
I was like, he's gonna come in here telling us that like his mom was like some big, like, I don't know, person at a bank or something.

00:06:36.480 --> 00:06:39.759
They kind of just guide you in life, like, hey, this is the route you're going.

00:06:39.920 --> 00:06:42.319
Yeah, we're gonna pay for your score somewhere.

00:06:42.720 --> 00:06:43.839
That's very interesting.

00:06:44.000 --> 00:06:51.759
Okay, so tell us what is the one money mistake you made early on that you had to learn from the hard way.

00:06:52.319 --> 00:06:53.519
Um, dang.

00:06:53.759 --> 00:06:58.879
I would say spending it on materialistic things.

00:06:59.120 --> 00:07:03.839
Okay, like like high brand things and um not really like saving.

00:07:04.160 --> 00:07:06.879
I never never saved or like credit, you know what I mean?

00:07:06.959 --> 00:07:12.399
Like I didn't understand how important credit was until I got into the financial services industry.

00:07:12.639 --> 00:07:16.000
I was like, all right, I gotta I gotta fix up a few things.

00:07:16.160 --> 00:07:19.519
Yeah, and um, thankfully it's allowed for my credit to get better.

00:07:20.240 --> 00:07:26.079
We just recorded uh an episode where we talked about credit, same coming from a Hispanic household.

00:07:26.240 --> 00:07:29.279
I didn't know what a credit score was until I was like 23 years old.

00:07:29.360 --> 00:07:33.360
One time we were like hanging out after dinner with my sister, and she was like, What's your credit score?

00:07:33.439 --> 00:07:34.399
I was like, My what?

00:07:34.800 --> 00:07:37.279
Yeah, well, it was yours, and you're like, I think it's good.

00:07:37.439 --> 00:07:39.360
It was it was 400 and something.

00:07:39.600 --> 00:07:48.160
She she put my information in it, 400 something, and I was like, dang! I was like, I'm like, I thought it was a high number, 400?

00:07:48.399 --> 00:07:51.600
Yeah, and she's like, girl, like you're doomed.

00:07:51.839 --> 00:07:53.279
What are you doing?

00:07:53.759 --> 00:08:05.040
And nobody had told us anything, like nobody, so like her, she has her own home, but she like she won a lawsuit, so she bought it cash in 2008.

00:08:05.120 --> 00:08:06.399
It cost her$50,000.

00:08:06.879 --> 00:08:15.839
And like, I'm basically the first person in my entire family to like have a mortgage to actually like get a house.

00:08:16.000 --> 00:08:17.920
So thank you.

00:08:18.240 --> 00:08:26.399
And it took me like two years to repair that the damage that I had done when I was like 18.

00:08:26.480 --> 00:08:30.800
I took out a stupid credit card at La Curaçao at Desert Sky Mall.

00:08:33.440 --> 00:08:35.840
And um, that just that doomed me.

00:08:36.080 --> 00:08:38.240
I was in the 400s, I don't know how long.

00:08:38.399 --> 00:08:49.279
And then finally in 2021, um, you know, well, before that, I got a secure credit card, fixed up some things, and then we were able to get a house.

00:08:49.360 --> 00:08:52.720
But it was like something, all of that was just so new.

00:08:52.879 --> 00:09:00.080
Yeah, nobody ever tells us anything about credit, hate, investing, invest, you know, buy a house.

00:09:00.480 --> 00:09:06.399
Never no, grew up watching our entire family renting, learn a new skill too.

00:09:06.639 --> 00:09:07.200
Mm-hmm.

00:09:07.679 --> 00:09:08.000
Yeah.

00:09:08.080 --> 00:09:15.600
So I feel like too, like, kind of like what we I mean, yes, you have you still have like your construction job, but you do things like outside of it.

00:09:15.759 --> 00:09:20.639
I think when you go outside of like those types of jobs, like you're crazy.

00:09:20.799 --> 00:09:21.600
Yeah, like me.

00:09:21.679 --> 00:09:26.799
I'm the first like person to have kind of like my own business, you know, like my social media stuff.

00:09:26.879 --> 00:09:31.360
I'm pretty sure in the beginning, like they were probably like laughing, like, what is this girl doing?

00:09:31.440 --> 00:09:32.559
Like, it's a joke.

00:09:32.879 --> 00:09:35.919
She actually thinks that like it could be a job.

00:09:36.240 --> 00:09:49.440
Because we're we're we're raised to just be like, go clock in, go clock in, do the bare minimum, and you know, you come back home tired, make dinner and go to bed and then do it all again the next day.

00:09:49.600 --> 00:09:50.960
Yeah, sadly, yeah.

00:09:51.440 --> 00:09:55.200
And and like same, you know, I grew up in Section 8 homes.

00:09:55.360 --> 00:09:59.039
My mom was a single mom of five, EBT, all of that.

00:09:59.200 --> 00:10:04.960
Like, I don't I don't blame her, but then I'm like, oh, like it's hard, it's hard.

00:10:05.039 --> 00:10:08.240
Um you kind of almost question, like, what the heck?

00:10:08.320 --> 00:10:16.000
Like, yeah, there's so many things that like I had to be taught like when I was little that could have just made my life like so much easier.

00:10:16.159 --> 00:10:16.399
Yeah.

00:10:16.720 --> 00:10:19.120
But we're here now and what I've done.

00:10:19.440 --> 00:10:24.639
Yeah, I I will say too, is like school is there's nothing wrong with school, right?

00:10:24.720 --> 00:10:27.759
But it's a great system to make you work for somebody for the rest of your life.

00:10:27.919 --> 00:10:32.639
Yeah, they teach you how to be a good employee instead of a good boss or a good entrepreneur, right?

00:10:33.039 --> 00:10:45.759
And my one of my mentors told me this is just like your job will pay you as little as possible to keep you on to keep you there, and you'll do as little as possible to stay there or to keep on to make sure that your job security is there, right?

00:10:46.480 --> 00:10:48.000
But at the end of the day, it's not enough.

00:10:48.320 --> 00:10:48.559
Yeah.

00:10:49.279 --> 00:10:57.519
That's the sucky part too, especially if if you're not pushed to like just keep elevating yourself, just like perfect example.

00:10:57.759 --> 00:11:04.799
Me and my dad and my grandpa probably to my great grandpas, like we've always been kind of blue-collar workers.

00:11:04.879 --> 00:11:04.960
Yeah.

00:11:05.120 --> 00:11:08.000
So my dad worked for SRP for 33 years.

00:11:08.240 --> 00:11:10.639
Great job, retirement, what yada yada yada.

00:11:10.879 --> 00:11:20.639
But the moment I try to step out of like my work, my trade, my like my parents would literally show up to our house like every day, like they think something's wrong.

00:11:20.960 --> 00:11:21.600
They think something's wrong.

00:11:22.000 --> 00:11:24.080
Like they think he's going through like a midlife crisis or something.

00:11:24.399 --> 00:11:25.840
Or like we're just gonna lose everything.

00:11:25.919 --> 00:11:39.200
And it's like, if we got to this point without you teaching us financial literacy, no offense, but like you're yeah, like we're in uncharted territory navigating ourselves thanks to the grace of God.

00:11:39.360 --> 00:11:44.720
So it's like to a certain degree, you can't really like guide us anymore, you know.

00:11:44.879 --> 00:11:48.720
Yeah, and uh like they would literally show up and see if we're okay, yeah.

00:11:49.039 --> 00:11:49.679
Which is good, you know.

00:11:49.840 --> 00:11:56.320
Yeah, but statistically, if you have a two-parent household, you know, you're you're gonna succeed more statistically speaking.

00:11:56.480 --> 00:11:58.879
So, um, which is good, you know.

00:11:59.120 --> 00:12:02.000
I I turned out from the trade.

00:12:02.080 --> 00:12:06.240
So I have that skill, like that, that skill in my back pocket.

00:12:06.399 --> 00:12:09.039
I can leave the union, come back to good money.

00:12:09.440 --> 00:12:14.320
And uh, but it's like like you said, and that's why they made the school system.

00:12:14.639 --> 00:12:15.120
John D.

00:12:15.200 --> 00:12:19.120
Rockefeller made it to make employees a nation of workers, not a nation of thinkers.

00:12:19.360 --> 00:12:20.000
Exactly, yeah.

00:12:20.320 --> 00:12:28.399
And you if you don't, like you said, you're like, you don't feel like right in your workplace, you're like, I was meant for more.

00:12:28.480 --> 00:12:36.799
It's like we're all kind of like open range cattle, but eventually, like you get to the fence and then you're like, wait, well, what's on the other side?

00:12:37.120 --> 00:12:37.279
Yeah.

00:12:37.440 --> 00:12:44.320
But our parents are like, no, just stay within the f the compound, and yeah, yeah, you got nice pasture and just stay here for your whole life.

00:12:44.399 --> 00:12:46.480
And it's like, what if I was meant to be over there?

00:12:46.639 --> 00:12:48.480
So perfect um example.

00:12:48.639 --> 00:13:00.320
When I first like blew up like on TikTok and I started like making money, um, my mom was so concerned because she was like, You're gonna lose your food stamps, you're gonna lose your access.

00:13:00.480 --> 00:13:04.320
And I'm like, mom, I just made a hundred thousand dollars.

00:13:04.480 --> 00:13:13.840
You're worried about the six hundred dollars that like I get in food stamps, like, but we're raised like that, like you know, and that's why people don't want to get off of it.

00:13:14.399 --> 00:13:16.960
They're just like they're so comfortable on it, yeah.

00:13:17.200 --> 00:13:21.200
And and they're like a lot of people were raised like that too, unfortunately.

00:13:21.360 --> 00:13:22.559
And that's what they know.

00:13:22.639 --> 00:13:26.639
And they're like, Well, if I actually go out and get a job, I'm gonna lose my food stamps.

00:13:26.799 --> 00:13:29.679
Like it's crazy, like insane.

00:13:30.080 --> 00:13:32.879
Yeah, I was like, Did my mom really just say that?

00:13:33.679 --> 00:13:39.360
But yeah, I mean, yeah, and I feel like that's one time at work, my buddy said the perfect word.

00:13:39.919 --> 00:13:46.720
He's like, it's a lot of the minority mentality just to stay within the confines of that job or trade.

00:13:46.799 --> 00:13:53.600
And it's like the reason that we're able to sit here is because the hopefully you meet him one day.

00:13:53.759 --> 00:13:55.919
He's a great guy, he's like a mentor to us.

00:13:56.000 --> 00:14:00.960
Yeah, Tyler's the guy that owns all this, he came from like, wasn't he an orphan?

00:14:01.039 --> 00:14:01.919
I think it was an orphan, right?

00:14:02.080 --> 00:14:04.240
Or not one like section eight, stuff like that.

00:14:04.399 --> 00:14:17.120
He came from like the bottom of the bottom of the bottom, and then looking out, now he's able to bless others, give others opportunity, a platform, especially people that come from you know, yeah, backgrounds that are similar.

00:14:17.200 --> 00:14:21.759
So it's like if you're not the rich dad or rich mom, you have to become that.

00:14:22.000 --> 00:14:22.399
Exactly.

00:14:22.639 --> 00:14:30.639
And it's it's tough, but we have to do it, and this is a perfect example to show people that you gotta network.

00:14:30.799 --> 00:14:36.720
Yeah, and if you're on the right path and the right frequency, you meet like-minded people, yeah, yeah.

00:14:37.039 --> 00:14:39.919
And this is a living example of that, yeah.

00:14:40.000 --> 00:14:48.960
And going back to school too, it's like you see all these people getting to debt, like 60, 70, 80,000 in school debt, and then they get that degree.

00:14:49.279 --> 00:14:54.559
And then I don't I don't think a lot of people think about like, what if I don't get the job I went to school for?

00:14:54.720 --> 00:15:08.080
Yeah, now I'm in debt, now I'm working at a$17 an hour job, and it's like going back to networking, it's just like you have to get to know people even in school, because that's the type of people that can get you the job that you want, yeah, exactly.

00:15:08.240 --> 00:15:10.480
Or the opportunity that that you might be looking for.

00:15:10.559 --> 00:15:11.519
So yeah.

00:15:11.759 --> 00:15:17.679
Um, that whole like school, my my sister's gonna be like, Why are why am I bringing her up so much?

00:15:17.840 --> 00:15:20.000
But I just feel like I don't know.

00:15:20.159 --> 00:15:23.519
She's so right now that you said school, I had to go back to her post.

00:15:23.679 --> 00:15:26.720
She posted something and it really like it, I don't know.

00:15:26.799 --> 00:15:27.840
I felt some type of wave.

00:15:28.000 --> 00:15:29.360
So she went to ASU.

00:15:29.519 --> 00:15:34.399
I know that whatever it is that she studied for, like, you know, cost her a lot of money.

00:15:34.559 --> 00:15:36.000
Um, still in debt for it.

00:15:36.080 --> 00:15:41.279
So she made a post and said, 10 years ago today, I graduated from ASU with a bachelor's in journalism.

00:15:41.360 --> 00:15:46.480
I was 22, ambitious and full of ideas about my about what my life would look like by now.

00:15:46.639 --> 00:15:48.799
Spoiler, it doesn't look like that.

00:15:49.039 --> 00:15:55.200
As a first generation college grad, I was raised to believe that a degree was a holy grail for success.

00:15:55.600 --> 00:16:01.600
Um that as long as I went to school, my life would be somehow figured out for me, but it wasn't.

00:16:01.759 --> 00:16:06.320
Over the years, I've caught myself comparing my path to fellow graduates, watching them hit milestones.

00:16:06.480 --> 00:16:07.679
I thought I'd reach too.

00:16:07.759 --> 00:16:11.600
It's easy to feel behind when you measure your journey against someone else's timeline.

00:16:11.759 --> 00:16:28.320
And she goes on, like says, like, it's a lot longer than that, but I feel like so bad because I'm like not like encouraging you guys not to go to school, but I feel like too, like we were raised like that, go to school, go to school.

00:16:28.399 --> 00:16:35.120
That's all you have to do is go to school, you know, go to college, go to like my especially her, she was always an A like a straight A student.

00:16:35.279 --> 00:16:40.000
And my mom would push her so hard to just go to school, go to school.

00:16:40.159 --> 00:16:43.759
So immediately, like after high school, she went to college and then she went to ASU.

00:16:43.840 --> 00:16:46.480
And I almost feel like she kind of rushed herself into things.

00:16:46.720 --> 00:16:58.240
And now 10 years later, she's still struggling to find like her way, and she's like all this like school and debt, and and she still hasn't found like you know what she her calling.

00:16:58.320 --> 00:17:00.320
And I'm like, that sucks.

00:17:00.559 --> 00:17:06.559
Like I'm I'm a ninth grade dropout, and I had a kid at 14.

00:17:07.119 --> 00:17:18.000
Um, and I'm like, Jesus, like everything that I had to go through, like I'd go through it again to be where I am today because I'm doing what I was called to do.

00:17:18.319 --> 00:17:25.839
I love um like social media, anything like I will literally record myself doing anything, cooking, a skit.

00:17:25.920 --> 00:17:26.720
I'm at the store.

00:17:26.880 --> 00:17:30.480
That's when my content's all over the place because I just love to record.

00:17:30.799 --> 00:17:34.720
Someday I'll be crashing out in my car, and the next day I'll be crying the next day.

00:17:34.799 --> 00:17:36.720
Like, and that's what people love to see.

00:17:36.799 --> 00:17:40.559
But I'm doing what I love, and then I also do like, you know, the affiliate marketing.

00:17:40.799 --> 00:17:41.920
I love to do that too.

00:17:42.000 --> 00:17:43.599
I never knew I was so salesy.

00:17:43.920 --> 00:17:46.319
Um but I guess I do it like in a good way, you know.

00:17:46.400 --> 00:17:50.799
Like I have a problem and then a solution, you know, stuff like I act stuff that I actually use.

00:17:50.880 --> 00:17:52.640
Um I don't just sell like junk.

00:17:52.880 --> 00:17:54.640
But yeah, same like the school thing.

00:17:54.799 --> 00:18:04.640
Of course, I want my kids to go to school, like I want them to do something, but I don't want them to think that like just because they have a piece of paper, like they made it, you know.

00:18:04.799 --> 00:18:09.279
Yeah, it's a paper, it's just that that paper don't mean nothing sometimes.

00:18:11.519 --> 00:18:16.079
Journalism, I was actually seeing a video, I think it's like top five least paid things, right?

00:18:16.640 --> 00:18:17.440
Well, I could be wrong.

00:18:17.519 --> 00:18:19.119
Something like that journalism on there.

00:18:19.599 --> 00:18:27.680
I I I gotta rewatch that video, but I was just looking at it, I'm just like, some of the degrees that people get, you're just like, Well, what does that even have to do with anything?

00:18:28.799 --> 00:18:33.279
It's kind of just like uh snake oil salesman, they just sell you this false dream.

00:18:33.440 --> 00:18:38.799
Yeah, and then unfortunately, like 10 years later, you're just like I'm pretty sure.

00:18:39.039 --> 00:18:57.039
Because I could use myself, for example, like for I'ma say half of my 20s, I would just dwell on my past when I used to just like be gangbanging, used to be in the streets, all that, and I could never get over the hump because I was like, I'm not gonna amount to nothing because I wasted so much of my life.

00:18:57.599 --> 00:19:08.319
So it's like using that kind of analogy, like all the years she went to school, depth, like I'm pretty sure she pretty sure she still dwells on that.

00:19:08.480 --> 00:19:18.160
Yeah, and it's like hopefully she does find find her calling eventually, because you know, we all you're not gonna be fulfilled if you're not doing what you love, you know?

00:19:18.480 --> 00:19:21.039
Yeah, so it's like, man, I bet that's tough.

00:19:21.119 --> 00:19:24.400
Yeah, and it's not to put her on blast, but no, I like I really feel like it's a good thing.

00:19:24.640 --> 00:19:28.400
But it's good for people to that's why people love you because you're transparent.

00:19:28.559 --> 00:19:33.519
So it's like yeah, people love the authenticity to things, especially in today's world.

00:19:33.759 --> 00:19:35.119
Yeah, we need that.

00:19:35.359 --> 00:19:38.000
So back to like you, okay.

00:19:38.640 --> 00:19:43.119
Be honest, do you ever judge people based on how they spend their money?

00:19:43.440 --> 00:19:46.960
Um, you know, I'm I'm a man of God, right?

00:19:47.039 --> 00:19:50.319
So I try not to judge because I'm an imperfect man myself, right?

00:19:50.720 --> 00:19:53.519
Um, but I do I do have opinions, yeah.

00:19:53.680 --> 00:19:57.440
I do because I I always think like, but I was there at one point in time too.

00:19:57.519 --> 00:20:06.480
So you know, I can't really judge, but I can at least guide people in the right direction or be like, hey, this is what I did too, but this is also what I found out later.

00:20:06.799 --> 00:20:08.880
So and then they could choose to listen to it or not.

00:20:08.960 --> 00:20:12.160
But yeah, I'll I'll have time to be like, Okay, you you bought that.

00:20:12.240 --> 00:20:18.000
Uh you're like, damn, you better put this into something else, you maybe maybe start like you know, like Airbnb or something.

00:20:18.240 --> 00:20:20.240
You know, my mind is always going like that now.

00:20:20.400 --> 00:20:21.200
Yeah, reinvest.

00:20:21.759 --> 00:20:27.359
Okay, what is the wildest financial situation a client has ever come to you with?

00:20:28.160 --> 00:20:32.799
Um, I can give you a client's story regarding life insurance.

00:20:32.960 --> 00:20:38.559
So um what happened is that um she she told me this in confidence, so I can use her name, right?

00:20:38.640 --> 00:20:40.000
But her name is Abby, right?

00:20:40.240 --> 00:20:43.519
And she got a life insurance policy when she was 18 years old.

00:20:43.839 --> 00:20:46.480
And her uh mom told her to cancel it.

00:20:46.640 --> 00:20:48.559
Her boyfriend at the time told her to cancel it.

00:20:48.640 --> 00:20:51.279
Like they're her that boyfriend are not together, right?

00:20:51.839 --> 00:20:57.839
But she was only paying like$14 a month for it, and I believe it was like 100 grand in coverage, like nothing crazy.

00:20:58.000 --> 00:21:02.079
Um, but at 23 years old, she got diagnosed with stage three breast cancer.

00:21:02.880 --> 00:21:05.440
Super young, didn't expect it.

00:21:05.680 --> 00:21:08.000
You know, we feel so invincible as we're young, right?

00:21:08.799 --> 00:21:11.680
But she still had that life insurance policy, she never canceled it.

00:21:11.839 --> 00:21:16.960
Oh so what happened is that she advanced her death benefit$86,000.

00:21:17.519 --> 00:21:21.119
Through that, she was able to pay off um all of her like leukemia treatments.

00:21:21.200 --> 00:21:27.680
Like they had to put a bed in the shower because she got so tired through all the treatments and she couldn't even stand.

00:21:27.839 --> 00:21:29.920
Like, that's how exhausted her body was.

00:21:30.079 --> 00:21:31.440
Wow, it was it's insane.

00:21:31.599 --> 00:21:34.799
And so she was able to walk out of the hospital cancer free.

00:21:35.039 --> 00:21:36.400
She didn't owe any medical debt.

00:21:37.519 --> 00:21:40.480
Um, she paid off her car and bought a new one, right?

00:21:40.880 --> 00:21:55.519
Uh, she gave her parents fifteen thousand dollars, and then um, I guess her dad's dream was like to do a helicopter ride over the Grand Canyon, and then she was able to take them on that ride because she had that money, and uh, and then she gave her roommate five thousand dollars.

00:21:55.680 --> 00:21:57.519
Imagine your roommate gives you five grand.

00:21:58.160 --> 00:22:01.039
Yeah, I was like, could I have been your roommate at that time?

00:22:01.200 --> 00:22:04.240
Like I sleep on the couch, yeah.

00:22:04.799 --> 00:22:13.200
But what's crazy is uh at the end of it, she was just like, Man, I wish it would have put like a down payment on a house, but I was just so focused on dying, I wanted to live.

00:22:13.279 --> 00:22:18.000
And I was like, granted, like, yeah, you know, you you had to do what you wanted to do.

00:22:18.160 --> 00:22:24.400
Like, not a lot of people have the opportunity, but through living benefits with life insurance, you're able to use it while you're alive.

00:22:24.640 --> 00:22:29.839
I was about to cut you off and ask you that so you can use it when you're alive, yeah.

00:22:29.920 --> 00:22:32.400
It's called life insurance for a reason, not death insurance.

00:22:32.559 --> 00:22:39.920
Yeah, it's and that I guess that's the life act that all the fine uh life rich uh rich people use, huh?

00:22:40.160 --> 00:22:42.160
Yeah, that that's a different concept, too.

00:22:42.240 --> 00:22:44.960
There's two different ways you can use it while you're alive, but that's one way.

00:22:45.599 --> 00:22:48.000
I'm so why don't we have life insurance?

00:22:48.319 --> 00:22:49.440
Because we're dumb.

00:22:51.839 --> 00:22:52.480
What?

00:22:52.799 --> 00:22:56.960
Because it's not taught, it's not taught, it will not be taught in school.

00:22:57.599 --> 00:23:01.039
That see, this stuff like annoys me so much.

00:23:01.119 --> 00:23:04.880
Like the that we don't learn credit, like this stuff.

00:23:05.200 --> 00:23:07.839
This is we're getting life insurance.

00:23:08.240 --> 00:23:08.640
Yeah.

00:23:08.880 --> 00:23:10.720
I mean, look at look at our family.

00:23:10.880 --> 00:23:20.720
We have uh both of our families that have problems with kidneys, like like my mom, two kidney transplants, countless of her family have died from kidney problems.

00:23:21.519 --> 00:23:24.640
So genetically, man, we're if you're watching this.

00:23:26.160 --> 00:23:31.599
Wait, do you um do you only do like locally or like if people are watching this from anywhere, can they like No?

00:23:31.680 --> 00:23:35.119
I'm licensed in over 10 states, so that that's what's beautiful about this business.

00:23:35.200 --> 00:23:37.680
It's so lucrative that you can help people all across the world.

00:23:38.000 --> 00:23:38.559
Oh, okay.

00:23:38.720 --> 00:23:41.599
So we're gonna have to put like all like your socials and stuff down there so.

00:23:43.839 --> 00:23:44.480
No, all over.

00:23:44.720 --> 00:23:45.200
All over.

00:23:45.359 --> 00:23:46.400
That's so good.

00:23:46.559 --> 00:23:48.160
We're gonna get life insurance for real.

00:23:48.720 --> 00:23:52.559
Um okay, so more like relatable questions.

00:23:52.720 --> 00:23:57.359
Do you think money really changes relationships or it just exposes like who people really are?

00:23:57.680 --> 00:24:01.759
Um, the more money you win you make, it emphasizes the person that you are.

00:24:02.000 --> 00:24:05.039
So if you like giving back to people and you don't like take Mr.

00:24:05.279 --> 00:24:08.160
Bisa as an example, he just likes helping people.

00:24:08.319 --> 00:24:10.160
The more money he got, the more he did it.

00:24:10.720 --> 00:24:14.880
But yeah, but when you don't have a lot of money, you get desperate.

00:24:15.200 --> 00:24:16.880
And desperate people do desperate things.

00:24:17.200 --> 00:24:17.440
Yup.

00:24:17.839 --> 00:24:22.000
So money can definitely impact um a relationship, a marriage.

00:24:22.079 --> 00:24:24.720
That's the number one reason for divorce is because of finances.

00:24:26.319 --> 00:24:27.039
That's I don't know.

00:24:27.680 --> 00:24:30.559
So you're um you're already married, you said, right?

00:24:31.119 --> 00:24:38.640
Um would you like for the people?

00:24:38.880 --> 00:24:39.039
No.

00:24:39.519 --> 00:24:40.480
Yes, I would marry her again.

00:24:40.960 --> 00:24:43.920
Would you date someone with debt, like serious debt?

00:24:45.039 --> 00:24:49.519
Um I would I would have to have a conversation first.

00:24:50.000 --> 00:25:06.640
Conversations would have to be had before we like you know agree to like a relationship or stuff because I mean you could jump into it, but if you're just gonna be paying off her debt like by yourself and she has the same habits, like that's the most important thing.

00:25:06.720 --> 00:25:08.720
Is like, are you gonna change your habits or are you gonna be the same?

00:25:08.880 --> 00:25:11.119
Because if you're gonna be the same, I can't support those habits.

00:25:11.200 --> 00:25:13.440
And yeah, people aren't two different standards.

00:25:13.599 --> 00:25:14.079
Yeah, yeah.

00:25:14.240 --> 00:25:18.880
It's like if they made a mistake, that's one thing, but if they're just gonna continue on that path, like, all right.

00:25:19.119 --> 00:25:20.799
Yeah, if you don't learn, then you're not doing it.

00:25:22.400 --> 00:25:23.119
Yeah, yeah.

00:25:23.200 --> 00:25:24.720
So uh depends.

00:25:24.960 --> 00:25:25.759
Okay, depends.

00:25:25.920 --> 00:25:28.960
Depending on the conversation, okay, if they're ready to change.

00:25:29.200 --> 00:25:31.839
Um, do you think couples ooh, this is a good one.

00:25:32.000 --> 00:25:36.480
Do you think couples should combine finances or keep things separate?

00:25:36.799 --> 00:25:43.200
Um, I think they I think they should combine finances, um, but they should also have their separate accounts.

00:25:44.240 --> 00:25:48.960
Like, um, which one, like what would you say is like would be combined and then like separate?

00:25:49.119 --> 00:25:49.839
Can you like explain?

00:25:50.240 --> 00:26:01.119
Yeah, I would say um they could have it for different areas, like investments, maybe like bills and stuff like that.

00:26:01.279 --> 00:26:07.839
Of course, have it in one account, and that one account just pays for all the bills, yeah, necessities, you know, stuff like that.

00:26:08.079 --> 00:26:08.400
Okay.

00:26:08.640 --> 00:26:15.519
Um, but I do feel like each partner should have the liberty to be able to spend what they want to spend on and stuff like that.

00:26:15.680 --> 00:26:17.200
You know, there's that trust, of course.

00:26:17.680 --> 00:26:22.400
Um, so I think there should be an account together, but then they also should have separate accounts.

00:26:22.720 --> 00:26:24.480
That's yeah, yeah.

00:26:24.720 --> 00:26:28.559
Like three to four, one for investment, one for bills, and then two personals.

00:26:28.799 --> 00:26:29.519
That'd be ideal.

00:26:29.599 --> 00:26:30.160
Yeah, that could be ideal.

00:26:30.319 --> 00:26:31.200
It'll be kind of a lot.

00:26:31.519 --> 00:26:32.559
Yeah, a lot to manage.

00:26:33.039 --> 00:26:35.279
If you can manage that, I think that would be really good.

00:26:35.440 --> 00:26:35.759
Yeah.

00:26:36.000 --> 00:26:36.319
Yeah.

00:26:36.480 --> 00:26:42.640
So if someone's starting from zero, no savings, no investments, um, like where do you think they should even start?

00:26:42.720 --> 00:26:45.599
Like if it's 18-year-old is watching this right now.

00:26:45.839 --> 00:26:47.839
Um, I think the lottery's still at one billion.

00:26:48.000 --> 00:26:49.039
No, no, no.

00:26:50.880 --> 00:26:53.440
I mean, you can you can pay it pays to play, right?

00:26:53.599 --> 00:26:59.200
Um, but starting from 18, um, I would say definitely start getting your credit, right?

00:26:59.359 --> 00:27:01.920
Start building up that credit as soon as possible.

00:27:02.160 --> 00:27:07.599
Um and start surrounding yourself with people that you want their lifestyles.

00:27:07.839 --> 00:27:09.039
Yes, absolutely.

00:27:09.359 --> 00:27:12.079
You're the top five of who you surround yourself with.

00:27:12.640 --> 00:27:14.319
So you you naturally become a product.

00:27:14.480 --> 00:27:20.559
Like if you hang around five people that drink, smoke, party, you might be thinking to yourself, like, oh no, I'm not gonna do that.

00:27:20.640 --> 00:27:21.200
Eventually you will.

00:27:21.440 --> 00:27:22.400
I promise you you will.

00:27:22.960 --> 00:27:36.079
And so what I would recommend is at 18, start being intentional and start looking for groups of people that you could network with, whether it be real estate, whether it be insurance, whether it be um Airbnb, you know, stuff like that.

00:27:36.240 --> 00:27:37.839
Figure out what you want to do.

00:27:38.160 --> 00:27:39.759
Create a business plan at 18.

00:27:39.839 --> 00:27:50.000
I know it sounds crazy for an 18-year-old, but I'm telling you, create a business plan, be clear on what you want to do, find the people that you want to learn from, start building up that credit.

00:27:50.640 --> 00:27:50.960
Yeah.

00:27:51.200 --> 00:27:57.039
And and and I think what a lot of people should do, especially at like 14, 15 years old, is get a job.

00:27:57.200 --> 00:27:57.359
Yeah.

00:27:57.599 --> 00:27:59.039
Because that teaches you work ethic.

00:27:59.200 --> 00:28:05.599
In today's world, ever since COVID, people just want to work from home, yeah, not get outside.

00:28:05.839 --> 00:28:09.359
Yeah, it's very comfortable and conformity, conformity kills.

00:28:09.599 --> 00:28:09.759
Yeah.

00:28:09.920 --> 00:28:11.039
So that's what I was suggesting.

00:28:11.279 --> 00:28:12.079
It's a slow killer.

00:28:12.400 --> 00:28:21.759
And then we were just talking about the other day because like it's like a double-edged sword since we were like, like I said, I was in the streets a lot.

00:28:22.000 --> 00:28:25.680
She was, you know, did her shenanigans.

00:28:25.920 --> 00:28:32.640
So now, like, we get comfortable in our home and that, but like that, then she misses events.

00:28:32.880 --> 00:28:38.240
Like, and it's like you never know who you're gonna meet at in Los Angeles at a TikTok event.

00:28:38.319 --> 00:28:38.880
Like, yeah, yeah.

00:28:39.359 --> 00:28:46.319
That could be the opportunity that you're over here crying for, or like, like crying out to the world, like, man, I'm frustrated where I'm at.

00:28:46.559 --> 00:28:48.880
Well, maybe if like just how we went to food land.

00:28:49.039 --> 00:28:51.440
Yeah, we would have never met you, we would never be here.

00:28:51.599 --> 00:28:51.759
Yeah.

00:28:51.920 --> 00:28:54.559
Because earlier this week, like, damn, what are we gonna talk about this Friday?

00:28:54.720 --> 00:28:54.880
Yeah.

00:28:55.039 --> 00:28:57.599
And I was like, hey, um, homie reached out.

00:28:57.759 --> 00:29:00.079
I was like, boom, we got a perfect conversation.

00:29:00.160 --> 00:29:00.480
Yeah.

00:29:00.720 --> 00:29:04.160
Networking, uh, financial literacy.

00:29:04.480 --> 00:29:07.279
And it's like, man, don't be comfortable, guys.

00:29:07.440 --> 00:29:11.599
I was step outside your comfort zone and you'll see your world transform.

00:29:12.400 --> 00:29:13.680
These past couple of days, right?

00:29:13.759 --> 00:29:22.160
Like, I had been in my like in a weird like funk, and I didn't like RSVP for two like really important TikTok events in LA.

00:29:22.319 --> 00:29:25.039
Just because I was like, I don't know, just feeling my feels.

00:29:25.119 --> 00:29:32.480
I was in a funk, and then once the events passed, or the day of the events, I like came to him and I was like, I'm so like upset with myself.

00:29:32.559 --> 00:29:43.359
I didn't RSVP and now I'm regretting it, like this and that, all because I was like, you know, I'm comfortable at home and I'm allowed to be at home and I'm an adult and nobody has to take me outside if I don't want to.

00:29:43.519 --> 00:29:45.359
And then I was regretting it.

00:29:45.599 --> 00:29:53.599
And and it's like, dude, like I should have just put my big girl pants on, went to the event, like I would have came back like so refreshed, like so much knowledge.

00:29:53.759 --> 00:29:58.079
You know, you network with so many like other like amazing creators, stuff like that.

00:29:58.160 --> 00:29:59.839
And bottom line is I regretted it.

00:30:00.160 --> 00:30:04.240
Because I got comfortable and lazy and I'm still regretting it right now.

00:30:04.640 --> 00:30:06.799
So stop being comfortable and lazy.

00:30:07.200 --> 00:30:08.240
Jump on that plane.

00:30:08.400 --> 00:30:08.720
Yeah.

00:30:10.079 --> 00:30:12.160
Um, where was I?

00:30:12.319 --> 00:30:12.640
Okay.

00:30:12.960 --> 00:30:20.960
So what is one piece of financial advice you wish everyone in their 20s or early 30s knew?

00:30:22.640 --> 00:30:35.200
One piece of financial advice, and oh man, I would say it's not necessarily like regarding money directly, but it's it's the relationships that you have, the people that you surround yourself with.

00:30:35.279 --> 00:30:37.279
Yeah, I would say that's the most important thing.

00:30:37.440 --> 00:30:43.039
I know people are probably looking for like a oh, put my money here, put my money there, but it's the people you surround yourself with.

00:30:43.119 --> 00:30:45.759
I promise you, that's one of the most important things.

00:30:46.079 --> 00:30:47.440
Because the money will follow.

00:30:47.599 --> 00:30:48.160
Exactly.

00:30:48.319 --> 00:30:50.079
People, money is attracted to people.

00:30:50.240 --> 00:30:50.559
Yeah.

00:30:50.720 --> 00:30:53.839
And if you surround yourself with the right people, it will be attracted to you.

00:30:54.079 --> 00:30:54.400
Yeah.

00:30:54.720 --> 00:30:55.839
That's just crazy, man.

00:30:56.000 --> 00:30:59.599
You surround yourself with the right people, the right opportunities.

00:30:59.839 --> 00:31:02.880
And always try to find people smarter than you, more.

00:31:03.519 --> 00:31:05.920
If you're the smartest one in the group, you need a new group.

00:31:06.079 --> 00:31:06.400
Yeah.

00:31:06.799 --> 00:31:13.119
And there's nothing wrong with being humble and all that, but no, you got one life, you need to take advantage.

00:31:13.759 --> 00:31:20.160
If your homie from the neighborhood's upset because you're advancing, it's like, hey man, I know where I'm going.

00:31:20.319 --> 00:31:22.160
And it's like, it's kind of like the crab effect.

00:31:22.240 --> 00:31:23.440
You try to get out the pot.

00:31:24.160 --> 00:31:25.200
They're like, get back over here.

00:31:25.279 --> 00:31:25.440
Yeah.

00:31:25.680 --> 00:31:27.359
Who do you think you are trying to leave the neighborhood?

00:31:27.440 --> 00:31:27.920
Like, yeah.

00:31:28.079 --> 00:31:45.200
We've had those conversations before, like how you know, I'm not friends with two like women that used to be my friends because once I started, like, you know, climbing up the ladder, it was like, oh, it's because now you have a like anytime, like any chance they would get these little jokes, like, oh, it's because now you have like these all these little followers.

00:31:45.279 --> 00:31:48.000
So like now you're like, you don't want to come to their own raid.

00:31:48.319 --> 00:31:57.759
Like it's always like I would always sound like these little like jabs, like, oh, these little followers that you have, or oh, ever since you got followers, or you know, you're making money and this and that.

00:31:57.839 --> 00:32:01.599
And it's like, I don't know if I'm supposed to be around you guys.

00:32:01.920 --> 00:32:06.160
No, I mean, because you're growing, yeah, you're you're you're you're going up, you know what I mean?

00:32:06.319 --> 00:32:14.000
And it's crazy how like some of your friends can can be hating on you like that, but honestly, they should just be pushing you up alongside with you.

00:32:14.079 --> 00:32:18.160
But yeah, yeah, it's like, man, the blessings around the the blessing is down the street.

00:32:18.240 --> 00:32:20.400
You be like, hey man, it's it's getting close to me.

00:32:20.559 --> 00:32:24.400
Instead of like, man, why quit comparing yourself?

00:32:24.559 --> 00:32:33.759
And that's the thing that like she's breaking like generational curses, she's like uh, you know, changing our our family's trajectory.

00:32:34.000 --> 00:32:43.200
Like, wouldn't somebody like people when she would post, I'm going to New York, yada yada yada, everybody's coming out the woodworks, take me, take me.

00:32:43.440 --> 00:32:47.119
And it's like, well, we don't really have friends, so she takes me.

00:32:47.279 --> 00:32:55.200
And it's like, he's like, hello, like if you were just to like, I was telling her, because like one of her things, she like sells fahas or like body wear.

00:32:55.359 --> 00:33:00.319
And it's like, even if you made a joke, like, like, cause she would be saying, or Nesto's my faha man.

00:33:00.559 --> 00:33:05.359
And it's like, you could just make a joke and be like, I could do that, and you'd be like, Well, come help me.

00:33:05.440 --> 00:33:05.839
Yeah, yeah.

00:33:06.000 --> 00:33:09.440
That could get you on a flight to California, to New York, Miami.

00:33:09.599 --> 00:33:12.319
But people don't want to help, they don't want to help facilitate anything.

00:33:12.400 --> 00:33:31.440
It's like, you don't even have to be, you just be around you, like, quote on, not not like a ball boy or something, you know, and I'm not saying specifically just like a metaphor, but it's like, if you're just, if I'm if I'm Curry shooting threes and you're just throwing me some dimes, like yeah, like you're that's that's that's worth a lot right there.

00:33:31.519 --> 00:33:39.839
And it's like people don't want to help her or nothing, but when it's time to, you know, travel and all that, then they want to come out.

00:33:40.000 --> 00:33:53.519
It's like, if you just came and even like helped around the house with the kids, like you know how much we could like help you and like uplift you, but people just yeah, they don't want to grind, they don't want to help, they don't want to help facilitate.

00:33:54.319 --> 00:33:58.000
It's only when they need it's just like it's just the as I need you people.

00:33:58.160 --> 00:34:00.880
Like it's unless they need something, they're not reaching out.

00:34:01.039 --> 00:34:02.079
Jasmine, how are you?

00:34:02.240 --> 00:34:04.960
Like, you know, I know that your job can be so draining.

00:34:05.119 --> 00:34:08.719
It is like sometimes I am burnt the fuck out, like so bad.

00:34:08.880 --> 00:34:13.199
Yeah, and nobody, like nobody checks up on me, other, you know, than him.

00:34:13.440 --> 00:34:15.920
I live with him, but like nobody checks up on me.

00:34:16.880 --> 00:34:25.039
Yeah, and it's like instead of like judging me or like hating on me, whatever, ask me, like, ask me so I can put you on.

00:34:25.199 --> 00:34:27.519
Yeah, like I'll do it, I'll teach you.

00:34:27.679 --> 00:34:32.639
But again, people just like they like they just like to watch and like a family member.

00:34:32.719 --> 00:34:35.119
I'm not gonna say who, like, how much were you paying her?

00:34:35.280 --> 00:34:36.239
Like 20 bucks an hour?

00:34:36.480 --> 00:34:38.559
Like to just check her emails, yeah.00:34:38.719 --> 00:34:41.360


And then it's like they get complacent doing that.00:34:41.440 --> 00:34:47.119


At first, they're responding and this and that, but then it just becomes like a generic response backslide.00:34:47.679 --> 00:34:48.000


Automated.00:34:48.400 --> 00:35:03.039


What if like uh a big brand finally reached out and that's her break breakaway opportunity, and you're just so complacent and lazy that you're just like, you know, copy pasting, you know, copy and paste, and and it's like they can't even do that.00:35:03.199 --> 00:35:05.119


And it's that like I've gone through three assistants.00:35:05.840 --> 00:35:22.079


Uh uh, yeah, I've gone through three like personal um assistants, like people that literally, I'm literally paying you, like check my emails, respond to the like get rid of the spam, you know, lock in like these brand deals, things like that.00:35:22.320 --> 00:35:28.559


But people just start seeing, like they're so lazy that then it just starts like automated messages.00:35:28.719 --> 00:35:37.519


And then when I go in to finally like go through, see what's going on, like it's just like you literally sent the same mess, like these people weren't even asking that question.00:35:37.599 --> 00:35:37.840


Uh-huh.00:35:38.000 --> 00:35:43.280


And you just like spammed them with like the same email reply to like copy and paste.00:35:43.440 --> 00:35:43.599


Yeah.00:35:44.159 --> 00:35:46.559


And it's like, I'm not paying for that because I could have done that.00:35:46.719 --> 00:35:52.480


I could have stayed up an hour later at night and I could have send out 30,000 emails like that, like copy and paste.00:35:52.559 --> 00:35:52.880


Yeah.00:35:53.119 --> 00:35:57.679


Um, so again, you know, I just feel like like you said too, people are lazy, they're not getting out.00:35:57.840 --> 00:36:02.239


People just want everything, like everything now, AI, from home, all this.00:36:02.400 --> 00:36:05.360


Like, we need to we need to bring back reality.00:36:05.760 --> 00:36:06.639


Yeah, that's tough.00:36:06.800 --> 00:36:07.280


Yeah.00:36:07.519 --> 00:36:11.679


And um, I mean, you're paying that assistant more than minimum wage.00:36:11.760 --> 00:36:14.719


So she, you know, minimum wage in Arizona is like what, 15?00:36:14.880 --> 00:36:15.519


Yeah, something like that.00:36:16.000 --> 00:36:25.360


So I mean, she was getting paid more than the average person here in Arizona, but um that's that's short-term thinking against long-term thinking.00:36:25.440 --> 00:36:25.599


Yeah.00:36:25.840 --> 00:36:26.400


You know what I mean?00:36:26.559 --> 00:36:28.719


And it's just like we need more long-term thinkers.00:36:28.960 --> 00:36:30.320


Yeah, definitely.00:36:30.960 --> 00:36:31.280


Okay.00:36:31.599 --> 00:36:38.320


Well, before we wrap it up, what is there anything, any message, anything you want to oh my son.00:36:38.880 --> 00:36:45.280


Um, any message you want to send to anybody just about anything?00:36:45.599 --> 00:36:50.880


Um, yeah, I mean, I would say um, you know, in today's world, we need a lot more leaders.00:36:51.039 --> 00:36:53.280


Um, we need a lot more people stepping up.00:36:53.440 --> 00:37:01.920


And like we were talking about earlier, it's just like we need a lot of people, ambitious people, intentional people, uh, to get out there, start a business, become entrepreneurs.00:37:02.159 --> 00:37:05.599


Because you guys see in today's world, like having one job is not enough.00:37:05.840 --> 00:37:07.440


No, it's not enough.00:37:07.599 --> 00:37:17.360


And most people are working two jobs, but if you get a little uncomfortable, if or if you get comfortable with being uncomfortable, I promise you you could change your life for the rest of your life.00:37:17.519 --> 00:37:18.960


But you gotta take that risk.00:37:19.039 --> 00:37:22.239


Every single day you take your risk by walking outside, driving a car.00:37:22.480 --> 00:37:27.440


What if you were to do that with your own business and and and eventually become successful?00:37:27.599 --> 00:37:29.840


Like you can do that, you just gotta believe it first.00:37:30.239 --> 00:37:32.960


Like uh, I'm a believer of God, right?00:37:33.199 --> 00:37:37.679


I believe each of us have a vision that He implanted in us individually.00:37:38.159 --> 00:37:45.760


And if you pursue that and you're intentional and you know that you know you praise God, I think it will work out for you.00:37:46.239 --> 00:37:49.599


And um I I would just never want to have that moment with my kid.00:37:50.079 --> 00:38:02.320


I don't have any kids yet, but eventually when I do with my wife, I don't want my kid as I'm raising them to be like I t I tell them to pursue their dreams, but I never pursued mine in the first place.00:38:02.559 --> 00:38:06.000


So how am I supposed to tell them to pursue their dreams when I didn't do it in the first place?00:38:06.159 --> 00:38:06.719


Yeah, exactly.00:38:06.960 --> 00:38:10.880


Like you're always you always have to be the example, you always have to be the leader in the family.00:38:11.440 --> 00:38:20.639


So you're gonna fail a lot, yeah, but what if that one time you win and then boom you change your not only your life, but generations to come.00:38:21.599 --> 00:38:22.960


So just take that risk, guys.00:38:23.519 --> 00:38:28.480


You you have you might have something to lose, but if you don't, you might have even more to lose.00:38:28.719 --> 00:38:28.880


Yeah.00:38:29.280 --> 00:38:29.440


Yeah.00:38:30.880 --> 00:38:31.119


Alright.00:38:33.280 --> 00:38:34.639


I would just capitalize on that.00:38:34.960 --> 00:38:45.119


We got one life to live, and uh first seek his kingdom, and the rest will come the the knowledge, the wisdom, just like King Solomon.00:38:45.440 --> 00:38:48.159


He didn't ask for the riches, he didn't ask for the wealth.00:38:48.400 --> 00:38:50.719


He wanted wisdom, and what came with that?00:38:50.880 --> 00:38:55.519


The riches, the kingdom, built the first temple for God and look at.00:38:56.159 --> 00:39:01.920


But also, you can have wisdom, but the flesh is always gonna fail, guys.00:39:02.079 --> 00:39:14.400


We make mistakes, and like he said, if uh if you're telling your kids to shoot for the stars, but you're just mediocre, it's like, come on, you know, they're just they're gonna strive for mediocracy as well.00:39:14.559 --> 00:39:22.960


So we we didn't come from rich parents, so we had to become the rich parents, not just materialistically, but you know, mental everything.00:39:23.039 --> 00:39:24.960


We gotta be well-rounded.00:39:25.280 --> 00:39:30.400


Um, you gotta be uh strong like a lion, but shrewd like a fox, screwed like a fox.00:39:30.559 --> 00:39:45.119


So um, you know, network, guys, get out of side of your comfort zone, and you know, just and if you're not a believer, this doesn't have to be a sermon, but ask like, ask the universe, what is my intention?00:39:45.280 --> 00:39:47.039


What is my purpose for this life?00:39:47.920 --> 00:39:51.599


And I and I tell you that it will come to you.00:39:51.760 --> 00:39:57.760


If you truly want to change your frequency, your reality will start to bend to what you truly want.00:39:57.920 --> 00:40:04.719


Yeah, and you know, I hope everybody truly finds their purpose because you want to live a life worth living, you know.00:40:04.800 --> 00:40:08.079


You don't just want to just be like cattle, you know.00:40:08.320 --> 00:40:10.559


Yeah, and that's the thing.00:40:11.440 --> 00:40:21.599


Like it I know life is hard, guys, but we just gotta work every day hard, be optimistic, and just show up, show up and make it happen.00:40:21.679 --> 00:40:22.239


Yeah, yeah.00:40:22.400 --> 00:40:24.480


Well, I hope you guys enjoyed this episode.00:40:24.639 --> 00:40:29.519


Thank you for joining us and send it to someone because we all know someone that needs it and get life insurance.00:40:29.599 --> 00:40:30.320


Okay, we're gonna do that.00:40:30.480 --> 00:40:30.639


Facts.00:40:30.719 --> 00:40:31.679


All right, later, guys.00:40:32.000 --> 00:40:32.800


See you guys next week.00:40:33.039 --> 00:40:33.679


Bye.