Money Buys Happiness w Lloyd Ross #537

I've just started bringing it onto the show and I think , because you've already started it , I'm a man that can finish that sentence for me .

I find I'm like you're the trifecta mate which I strive to achieve , but you're doing a lot of cool shit . I wanted to get you on to pick your brain , because there's a lot of people in our audience who are financially successful , but they have sacrificed health or relationships in order to achieve that .

The second bit , as I was saying , is there's a lot of younger guys starting to listen to the show and understanding how to create wealth and what their vehicles to do that , and even mindset around . That are a few things that they don't understand yet , and you've got a very simple process . I wouldn't say it's not simple to do .

There's always shit that makes stuff hard , but how you talk about it and the content that I've watched , it's very simple to follow , and you've also got multiple revenue streams juicy which people will be able to pick your brains .

Obviously , we won't have time to dive into everything today , so people will be able to reach out to you after you've got some great resources available and they can get in contact with you . But I'd love to start . Where did your interest in money come from ?

I think it is for most people , but they don't realize that that's what money is really designed to do , so it's not about that's why I haven't got Lambos and stuff yet , because it's just don't know important . It's just so much more important to have choice and time freedom .

And so I guess it started at age 11 , when I what actually happened was and it's on one of my VSLs , on one of the book funnels and when I was 11 , my , through no particular fault of his own , my dad had a business worth about $50 million in 1992 at the age of 38 .

Rector Rich's incredible story and it was stolen from him by Colonial Mutual , a big insurer , unlawfully , and so he took him to court and through a bitter court battle he was on Four Corners . He was on TV , he was in the papers . I was about I was in grade four , I think grade four or five , so I was probably 11 .

And it turned out that he won but he lost everything . He basically the whole , the 30,000 clients , the whole business went under , and so I remember him coming into the lounge room one day and I was . He sat me down and he said hey , mate , I was going to tell you we've lost everything . We're going to sell the house .

And I remember just bursting out crying . It was dramatic and he made it dramatic . I was like , oh shit , something bad's happening . So he asked me . I was like , oh shit , it was bad Because it was uncertain . He expanded this picture of uncertainty because he didn't know what was going to happen either .

So I guess at that point I was like , oh my goodness , like monies can come and go and it's really important to understand it . And then we went from this yeah , beautiful B house into a little small place with a double sharing bedroom , just a big . It's just a big shift .

So I guess that's when it appeared to me that money was a good idea to learn how to do . And while we're in that , living in that little complex we moved to , I started my little first business at 11 , washing cars and just getting a bit of cash for five bucks of car . So that's kind of how it started .

So I guess I've always , never had , I've been , a victim mindset , not a victim mindset . So Victor is better than victim . So I , rather than say and be like a business coach I worked with , once , told me Lord , there's two types of people in the world those that go at the world and those that let the world come at them .

And I guess I've never been someone who just sits there and let the world come at them in a reactive way . And I guess it's money's been the same way . I've never really let it . It seems weird to me that I would let it empower me . It just seems ridiculous , like it's like saying this desk here , this desk is going to control me , like so much .

But I'm one set of that . Yes , I guess that's never really . It's never really crossed my mind that money is bad . It's only that I've been bad at it , so I've taken ownership of it . And Jim Ryan talks about that . He said don't wish it were easier , wish you were better . So I started again One of the best quotes .

I don't really want you guys to repeat that we don't talk about it at school . So I'm going to give you a tip . I was like oh , this is great . What ? a legend , yeah , legend

. Read these two books Rich Dad , poor Dad and Richest Men in Babylon . And he just gave books up .

I mean , where do I go from here ? So I found that the practical steps beyond that were challenging . And the Richest Men in Babylon . The one lesson I got from that , which I actually read when I was 19 , was pay yourself first 10% . That was like the ultimate lesson . So I always carried those . I wasn't making much money at 9 .

I was not making any really . I was in Europe just camping , not making anything . But when I got really properly in my career at , say , 23 , I took those lessons that I remembered and I started to implement them . So and that was challenging because I didn't give me the exact steps in the book , aside from pay yourself first , which was pretty simple .

But we encounter behavior issues and relationship issues along the journey that make those lessons very difficult to implement . So that's where it began . It began in school and then continued on beyond that .

If you ask anyone , even if you ask Conor McGregor what makes him such a great fighter , he'll say to you I have a curiosity for fighting , yeah , and I think if you have a curiosity for anything , it's going to take you a lot further , because the person who enjoys walking will always work for them the person who doesn't .

So I had a level of curiosity about money because , don't forget , to my paradigm , like my belief system in money was , my dad would come home sometime . I remember he came home one night and just threw $12,000 on the table in cash .

He'd obviously sold his car like something , but never had any hangups , and he would always be working hard and making sales and talking to people and money was . It was never a taboo , not like my parents ever sat me down and taught me about money , which they didn't .

It's just what was the behavior I was trying to model and I never saw my dad ever , my mom ever , be in victim mindset ever . I don't think I've ever heard him complain .

I don't know what it's like now , whether people still are all called up in it , but I remember when I started they were . I had no idea what it was , so I was very naive , which helped me .

But I learned so much from that industry and I'd had bugger all , I guess , financial investment in it to lose , which gave me the frameworks , taught me a lot of brilliant skills . What made you get into it , so you're a lawyer .

So it was a great to be on that path with you and it was we connected . And I feel the same way about you . It's like we , we , we stayed in network marketing .

We've built a really good business and we still had us 10 years old down , just about which is I think a network marketing business is ridiculous , like , feel like it's like a incredible milestone because people don't don't stay in it forever often . And so me , like you , I got started in .

I was in property business selling real estate six days a week with my dad . Actually , I'd repatriated back from Dubai where I had a job there , got into real estate , started selling there and my sister introduced me to network marketing in 2014 .

And I thought it was wonderful because I could actually get healthy which is great because I needed to and , at the same time , share that story . And if people needed to get healthy , I could share a product that worked for me and I could get paid for that . And I think it was one of these .

I'm just writing a new book at the moment , called Time Rich , and I was just on an author call before this call and I was telling this story and I said it was one of those moments where I had this paradigm shift of where I was able to share a story , people were purchasing a product and repurchasing it and I was getting paid once and again , not based on

my time , but actually based on a product purchase from previous work done , and that was this paradigm shift to this whole like well , I've actually detached my money making from my time here and that was my first real experience of doing that . Real estate was good , but you have to be there to do the deal .

It was better than the job , so the alley rate sucks . That's the worst . There's no leverage in that . Then there was more leverage in doing a deal , which is cool . Then network marketing was the next pace of leverage , which was actually you don't have to be there to make money . Yeah , lots of shift and like open our world up .

And then , within four years of that experience we had , I left the property business . We'll travel in the world with full time network marketing and run in the four hour work week that Tim Ferriss spoke about 17 years ago .

It's always so much .

And so without that , I wouldn't have had my health on track , I wouldn't have learned how to make extra money and put it into a portfolio to become a millionaire . There's no way I would have learned the skills . I mean the skills that you have now and I have now for most part .

We crafted those over a period of time in network marketing , because you have to be good at connecting with people , you have to be good at relationship building , you have to be good at selling and follow up and systems and rejection and speaking and presenting and management . Yeah , everything , everything , it's a .

I went look on the wall here you can see behind me , right , see that . So there's all those three . There's three university degrees there . One is biomedical science , which is pre-med , One is a law degree , because I became a lawyer , and one is a master's of international business , which from the best business school in this country .

Arguably Now , in that business school I didn't learn the damn thing about business , truly Like , theoretically . Sure I learned more about business , life , people , money and everything than all of those degrees to put together in four years of network marketing . That didn't cost me anything .

In fact , we made about quarter of a million dollars in that period of time , maybe more half a million . Think about that , isn't that wild ?

But I've found for me personally I think I could only be wealthy and be productive and be creative and do those things if I am in good shape physically and if I do have great relationships with my wife and my friends , like without that that almost wouldn't be possible .

You then started once again reinvesting back in yourself and in a portfolio . So had you had experience in that , or how did you get into the trading ?

So I started looking and learning about shares because I didn't want to get into debt with real estate . I didn't want to buy property in a lease hold in Dubai , like there was reasons why I didn't want to lean into that . And , by the way , we just come out of the GFC , so my I was anchored to that .

Whole experience of property goes down by 50% too , and a lot of young people don't understand what the GFC is and they just think property just goes up forever . Well , they're gonna get a root shock at some point , but don't know when that is . So I had that belief system to work through . So I didn't want to jump into that .

I didn't want to be held down by debt because all my friends and work who had lots of debt , they had the golden handcuffs , they couldn't resign , they couldn't have choice . I was like that's not me , I want choice and so I was like what else can I invest in with this cash to get build assets that Robbie Kisaki spoke about ?

And rich dad , poor dad , and and ? And the only way I could see that was shares . And I had no idea about that because of the only belief system I had around shares being an Australian , was their risky just by real estate . And I became my background's property lawyer , real estate development . My dad was in real estate on flu , licensed real estate agent .

My whole background is real estate . It's a got . My old man says it's a miracle that I don't own any . It's a directly . And so I wanted to learn shares because I wanted to take small pieces of my money and put it to work . So I pick up this book from the airport again , I'm self-driven to learn .

It's not like someone said to me you need to go learn shares . It was like I Was curious and so I heard about this guy called Warren Buffett and I was like this guy with charts and that stock stuff is charts and all this weird stuff , because that's what you see on TV , which is absolutely rubbish .

So I pick up this book called the snowball by Alice Schroeder from the airport and it's all about Warren Buffett's story and his life . And I read that book and I had this penny drop moment . I'm like , whoa , I get shares . I understand this , I'm gonna go and do this . This is what I want to be good at for my asset building .

So I started out and I first bought bought my first shares $2,000 into Westpac Bank and that's where I first started and by the time We'd got into network marketing we had , I had a really we'd built about , I Guess , two or three hundred thousand dollars worth of a share portfolio ready , maybe 250 , I forget , but it was like that and I saw a network marketing

is a way . I remember sitting in the office one day in my property business and after I was sitting there on Excel gun Okay , you want to be a millionaire , which is my definite purpose . I just wanted to be a millionaire . I was like that's a cool goal . You're like , if you're a man and you want to be finished , like what a good goal .

It's just because it was challenging , not because I for any other reason . So I had a definite purpose and that's like the first rule . It's like I had a definite goal want to be a millionaire . And Wikipedia's Definition of millionaire is a net worth of a million dollars . Okay , so I was like , how am I gonna do it ?

So , had somebody in the portfolio , I sat down with an Excel spreadsheet and I spread sheeted out , with compound interest at about 9% pranum , which is what an index fund brings in how long was gonna take me to become a millionaire ? And it turned out I was about 31 I guess I was 31 then and I was like , oh , it's gonna take me like 15 years .

I Sucks , I don't want to be that old . That's not fast enough . Yet I was like , yes , I'm fast up . I was like okay we're putting 25,000 a year away . Roughly now . This is 500 bucks a week . It's gonna be a . What if I could double that ? What if I could put 50 grand a year away ?

And that's where network marketing I was like well , if we can do this at 500 a week , extra money from our phones profit . We can shift this into shares and scale and we can get there twice as fast . And that was kind of what really motivated me to get better at network marketing .

So it's like that deep wire behind yes , what you were creating , yes , and the deep wire goes beyond the million , because I knew that the million could give us 50,000 a year in passive income and that was my original escape plan from nine to five and it stayed with me .

Yeah , then for you to be thinking , you already had these other ideas of what you could do with that money , rather than just going to an Island and doing all

of that . What made you think about that ?

But again the GFC came , knocked a lot of people over it , did a number on it pretty well everyone . So I guess it was like I was trying to learn from the , the gaps that he had , that he knew he had , and I took that as a learning experience .

So what amazing things I want to take from my dad and what things have I watched in his life that I feel like I want to take that lesson and improve on and Think that's the beauty of having Mentors to see where they go wrong , where they go right and you can take what you want .

So I decided to take the part of well , I'm gonna compound money early and I'm gonna put it away , because I guess it even rolls back to the very first book I read about money , which is the ant and the grasshopper . The ants working all through summer , well , the grasshopper singing plenty's fiddle .

And of course , winter comes along and the ants are all sorted with their food and the grasshoppers freezing his ass off outside and I didn't want to be the grasshopper .

So , look , I've seen with my dad he's made a ton of money in insurance the nummon insurance salesman in the world incredible story and he's earned income in two big industries at three big times in his life .

But I've also seen the other side of that , where it doesn't lie like Money comes and goes in those industries , every industry , everywhere , and network marketing was no different . I'm like , well , I'm seeing all these people max out their businesses in five minutes and make a shit ton of money with not a lot of effort .

I knew in my heart of hearts that was gonna fall , that's gonna stop . I just know , and I knew it was gonna stop with Bitcoin . I got these things don't continue . I just know because as soon as people start making a big ton of money in an area , either it gets hit by regulation Because the government goes no , no , no , no , you don't get to make money .

You don't get to make money , we do that , so they'll regulate it away . Or someone will do yeah , so someone will do something dumb and they'll regulate it , or or it'll get over , it'll get saturated and there'll be nothing left , and so that I could see that coming . So I was like this , I've seen it .

Whereas people that come into new money and they experience money for the first time , they think that it's just gonna last forever , and it doesn't . The only thing that lasts forever is assets . So I took that learnings .

I knew right what I'd learned and I just watched everyone cart crash their car and I just said I'll just pull over here and we'll park for a while and we'll just go steady and we'll put the money away . And that's what we did . So we didn't go as fast , we didn't play as big . We still did cool stuff .

We invested in ourselves , we invested in trap like we did . We still lived a amazing life , but we did take a portion of it and invest it .

There is no such thing as a perfect hand , because if you become , if you're in royalty , if you get brought up as a trust fund kid , you're screwed and everyone's like , oh , they're so like , oh , you had all these advantages . I think it's an advantage to have no advantages . You get tougher earlier . Yeah , I don't think anyone gets hand in .

So I think you know what . I went to university for too long how . What did that cost me ? My friends were making a hundred grand a year while I was making nothing . What did that cost me ? That would drive in . The guys in trades were driving Range Rovers at 24 . Like so , and I was at university .

So there's advantages and disadvantages to upbringings of every kind . You cannot pinpoint one . So I think it's important to say that to you . Know , yes , you can have good mentors , but that can also be detrimental too , because all of a sudden you've got to . Then you get influenced by them into the wrong things as well .

Firstly , how have you then gone on to find the right mentors for you , since that you know in business to help guide you ?

So , with my dad , obviously huge mentor in my life , my mom obviously to an extent too , like she raised us and she's got wonderful integrity and character traits that I've been out of model , and my dad has great traits that I've been out of model . So it's very , very helpful to have great loving parents Period , like it just is in general .

Yeah , but you know , I assume my dad , his father died when he was eight and he grew up in a not so happy household . Like there's issues there too , so but he made the thing of himself , so I don't think it matters . But he found mentors too through

work . So typically what happens is for me I found a mentor in my parents first . Then my mom actually re my parents divorced and she was with this guide . He was a bit of a mentor . I could talk to him about shares and stuff like that . And then with network marketing I found David TS Wood .

He was the main trainer for the company and I've had him as a great mentor and I went to like 17 of his events until we really got noticed . Now he's a friend and he's actually in my two books . So he became a wonderful mentor in various ways of how to live life and I aspire to be like him . And then I met through network marketing .

I met Gavin Topp , who's now become , you know , one of my greatest friends , and through him he became a wonderful mentor and the things he taught me about being a man and , like my dad , taught me a lot about being a man too .

But he , gavin , kind of put things in place that I didn't have and he also challenged me and encouraged me and challenged me to do things that others couldn't . And so I guess it was like they find your way into your life and you can decide at that point whether you want to get close to them or not .

So I found there was , I had my traits in all of those . So I always looked to go and spend time with my dad . I was , I found time and at my art , my siblings did it , I did , I just went and I invested time in hanging around my dad . So if he was in the bar , I went to the bar .

If he was in a smoking session , I went to the smoking session I like come out coughing and wheezing and spent time with him . And then , when , when , when David was there , I wanted to be with him . So I flew over to Europe . I went to bar and boogaloo , play golf with him .

Then I flew to Europe to be with him in two events that cost money and earned it . Then I actually earned my way into boxing fights to get close to Gavin Topp . So I've always earned my keep to get to my mentors .

I've either I've earned it and I've paid for it , and I've done that because I feel like there's some things they know that they can teach me and I want it I'll . Success is something you have to catch , sometimes , almost always .

So it's like well , how do I catch this virus of success of these people and the things that they're good at that I want , and the only way to do that is to spend time with them .

I'm a fucking dropkick at this point in time . So then it's like , okay , I'll invest in myself to get around them , I'll pay to go to events or I'll do what I need to do to get noticed , to speak at events so that they invite you to things or they spend time with you . And that's what I've done , Whereas a lot of people just expect it to happen .

Like the things I learned are insane , but like I had to pay the price when I went to work with him , I didn't there's no wages . I had to have a certain amount of money to seed me for six to 12 months of no income . Then I had to learn the craft and had to run the business .

It was just , it was a baptism of fire , but it was the best way to be , because without that hardship I wouldn't have learned the most .

And then , when I went on to do network marketing to get close to David Wood , I mean not only did I had to buy tickets to all these events and fly to like thousands of dollars , thousands , but we had to actually excel and build a six figure residual income under the age of 35 and become a legacy club millionaire in the company for him to recognize us .

So not only did we pay but we also earned . And then with Gavin , I paid for his boxing program , so I paid thousands of dollars .

Then I also earned my way by doing two flights and being there for him and doing things with him and stepping up to the plate and being a man about it , and that's what I did and that got his attention and now we became friends . So I've done both . I don't think you get to choose Pay and earn .

And then in network marketing , because I got close to David , it got me , allowed me to get close to David Wood . But that compounded because without getting good at the network I might have gotten close to David Wood , I wouldn't have been in the audience .

I was speaking at the Brisbane Entertainment Centre and I'd won that award , man of the year for the company in Australia and Gavin recognised me because of that award from the crowd and that's why he messaged me . So you don't get to meet the next mentor almost unless you have excelled with the current mentor .

It's like they love money so much , and actually you did a video on this .

I'd say you're not just going to show up and roll in . Unfortunately , that's not how it works . You've got to earn the right to be here .

So , if you like someone , give a ton to them and you'll be anyone who really gives to me like I'm going to get , it's going to get my attention , but people don't know how to engage a mentor . You've got to . You've got to , like bloody , be the A plus student .

letting him reach out to me and then do two boxing fights , which takes a lot of courage . He then we're training for a hundred . He challenged me to 100 , 111 kilometer ultra marathon with my wife , alicia and her sister , and we had eight weeks to prepare for it .

I don't even run 10k , so this is this wild challenge Eight weeks , wow , it's called the guzzler and it's .

anyway . Well , so after the boxing fights and while training for that ultra , being around Gavin , he'd written a book called a man the writer passage for the modern man . And he , I mean , he's been training men at their worst and best for years . He's like a pro and um .

And so you said he's so good at bringing out the best in men , like he's just he's got a God given talent , it's God given right . And so he was training at the boxing and we're doing the runs for the old trainees and I've spent a lot of time with him and he said he written that book .

And he said , man , you know , I've heard you talk about money with these guys . You're going to write a book , you're going to write a book . And I thought we all think about writing books , don't we ? Like it's this beautiful legacy . But we all get to this point where , like , how do you actually flu and do it ?

So he actually helped me because he went first , so he had the arrows in his back , I realized the way to do it was write a smaller book than what I anticipated and it was just all about my story . So at that point people said , lord , how long did it take you to write your first book ?

And I said well , it actually took me 20 years , because you have to have the stories to share of the lessons you've learned , and that doesn't take . It takes a long time , otherwise it's not going to be a compelling book and you can't impart wisdom . So it was that time was right for me . So he challenged me .

He said , in front of all these men , he said , lord , he's going to write a book , he's going to do it in four weeks , and that's what makes him so good at what he does . So without having to go yeah , without having to go through , go through Dad and then David Wood and then go see how it compounds , so I would never have got to the book .

And so at that point , too , I he introduced me to his son , jay , who's now a business partner of mine , who's an amazing guy . Incredible what he's achieved at his age . He's awesome . He lives in Columbia . I'll hook you up with him . He'd be good on the podcast , yeah , anyway , so he helps me bring this book to life . We do it together .

We build this business from scratch during COVID , this education business , which card with a book and some courses , and the book is all about the journey of what we're talking about , of how that's how money's weaved into this , what we did and the lessons in that book .

So it's called Money Grows on Trees , and we launched it in 2020 and then 2021 January , and it was , yeah , by all means a success . And then we're running along doing one of our runs and gamma said I'm writing a second book , you should do one too . I just recovered from the first one , and so I .

We were actually crafting a mentorship program like an education program , a 12 month program to help people implement these lessons .

So I wrote that book Money Buys Happiness , which is this one , which is actually the number one book that I that we promote now , and it talks about these five steps to millions that I followed , you know , mindset , mentorship , manage money , multiply money and make more money .

And so it talks about the framework of that in that book and that's built this really wonderful , fine education business that we've just won some awards for now .

They need accountability , and that's why mentorship and coaching programs . That's why the coaching industry is so big now , because the accountability requirement and problem is so big and vast for people that that's what they need . So that's what compelled us to continue with that business .

But the book really compartmentalizes the basics that I wish I would have had , potentially , if I'd read those two books earlier that I mentioned . Like it's a bit more practical , yeah , and that's why I like it .

But when you're an author and you write books as successful as it is , you know you can probably like you'd want to , you almost want to rewrite it , like , oh , I've learned so much , even the last two years or three years , and so my objective is to , yeah , I'm going to , I'm going to at some point probably re rewrite them , but but for now that they're

serving a good purpose , that's awesome .

management , like paying yourself first , having an emergency fund , putting some money aside , buying assets , buying share , whatever it is you choose , not having too much debt . They're very important principles that almost no one follows , by the way , but some do , but a lot of people don't , and so that was .

I knew that was the case , so I'm helping him to do those things right . Implementation but what I noticed on the journey was it wasn't the money that was the problem . It wasn't the money , it was somewhat of the behavior , which is why people gravitate to James Cleary's book atomic habits so much , because they actually have a behavior problem

. But I drilled down even further than I realized . Every time I talked about something , my students would come up with this one thing all the time that was getting in their way of their money . You know what it was .

So I started becoming the student of this time thing . So I'm reading the books from Dan Southern , like the who not how and Navaradican's books , and I'm becoming this like and we're applying it to our businesses and we're seeing our wealth scale and also my Built , my busyness fall . So I'm working less hard and making more .

And so I realize at that point Business and wealth don't live together . They're all on opposite ends of the spectrum . And so when you say to someone how I in this , I'm really busy , they may as well say I'm really broke . It's the same , yeah , yeah , it's the same thing . Wealth doesn't live there .

So I'm realizing all these shifts in my own head , thinking , oh my god , I thought when I had another business I'd be busy up , but it's not true . And so that's what prompted me to write this third book , which is what I'm doing now . That's where I had .

That also took this morning , and it's all about how to actually create time , because I think that's the real problem for people they can't even sit down to do an audit lucky on their account . Yeah how they ever gonna get wealthy . So , so it reminds me this quote what's what my student told me once .

He said , lord , it feels to me like what you're trying to do is what Desmond Tutu did . I was like what's that ? Or what he said . I was like what's that ? He said at some point in time , we've got to stop pulling people out of the river and we've got to go upstream and find out why they're falling in . So that's the next phase of the journey .

So you jumped on that wagon pretty fast . I didn't understand it , because I'm like what happened to people ? I didn't get it , you know . You know , I understand why . So I'm not a huge podcast listener . I do have a couple that I like , but I'm not really . I do probably listen through on the YouTube , but that's what really . I neglected it .

But what happened was this this is truly how it started . Okay . The inside scoop . It's really interesting because it's like I here's what happened . I saw these people like you . They weren't like you because I don't have the same character traits , but they were getting on the podcast wagon and I was getting .

I was trying to kind of be in business with a couple of them in our network marketing business . So that's a really good testing ground for character , because they come in if they can't follow , you know , simple instructions , if they quit things early . It's a very quick character test .

So these people one of them came in and she goes I've got a top 100 podcast in Australia . I'm like , wow , that's amazing , I'll put on this massive pedestal . I'm like whoa that's insane , that's amazing . You're like a superstar . Anyway , she comes in and she's terrible , like didn't come the meetings on time , quit things .

Well , and I and here's what happened I thought , if you have a one top 100 podcast , I'm getting into that industry , because if you can do that , I'm definitely gonna be able to do that . So it's more like I saw that there was a lot of people in these getting Noticed and they didn't have real success , character traits that I really admired .

So I'm like , oh , if I get into there , I'm gonna actually make it , make it , I'm gonna go for it . So that's what prompted me . Then I didn't know how to do it . So I'm on a podcast like this and the guy that interviewed me said Lloyd , why don't you have a podcast ? I'm like because I have to get a studio and get all this machinery .

And that he's like no , you don't , you just let me do it . And that was again this whole like Don't ask how , ask who . So he said I'll do it for you for free . And here's him trying to get close to me now . So that's smart . Yeah , he'll have right . So he did that and all I did was I went out . I see what I did .

I went and got a mic from JB high five hundred bucks plugged into the bottom of my phone , got on the podcast app and there's where bang to start talking . How's it ? sorted , yeah , so now you're yeah , so that's how it started and I really I think I underestimated how many people listen to podcasts .

But I also wanted to build one where it was like snippets of value about money that just to give , give , give , give it . So free , podcasters , no ads , nothing , it's just free . And there's some really cool episodes like 130 episodes now and so We've won some awards with it , and so it's .

I Love it , and so that's why that's probably what brought me to this point . Like I love what you're doing is I think it makes a lot of sense give people value until they give you their credit card .

Some people like reading , some people like listening , but there's plenty of great resources out there that you put out there and I just feel so many people have financial stress and it impacts so many areas of your life , so you need to eventually just address your situation and start Taking action to change what's .

You know what's not working Totally , yeah , and it's so simple than what people think .

Yeah .

It's like , yeah , we think about it and then something else comes up , but you managed to do it in four weeks , so Maybe I'll put a deadline on to Christmas or something or see what happens .

Mmm all the frameworks you've learned about men and teaching them helping you . Eventually you've got all the collateral ready to write a book , but here's what I'll say it pays off To take the time to write a flippin amazing book .