¶ Introduction to Nicole Perum
from real estate to real life and everything in between . The brad weisman show and now your host , brad weisman . All right , we are back . Thanks for coming back to me . Thursday at seven o'clock . This is going to be a good show . I know I say that every time , but I gotta tell you this is gonna be really good show .
This nice lady came all the way from Northern New Jersey or Central New Jersey , somewhere in that area , and it was about to snow and she still came down here , which is amazing . Her name is Nicole Perum . She is the billion dollar banker . How ?
are you doing Good ? Good , I made it here .
Yeah , you did make it here . I feel bad that I made you come all the way down here when it was supposed to snow .
I'm going to get you back .
I would . I would love to do that . That'd be great . I would love to do that . It'd be really fun . So you're the senior vice president of the production at cross country mortgage . What ?
does that ? What does that mean ? So , essentially , I'm one of the leaders here . I also handle mortgage transactions myself as well , uh , but I have a great team with me here work on one of the biggest teams within the company , which is amazing and we're the number one distributed retail mortgage lender in the country .
So , yeah , we're doing one out of every 37 loans , 170 different investors we work with . So , as I was telling you before , it's been a lot of fun being here and . I'm just passionate about leading great loan officers , so that's cool . As a as you've done a great job growing here . I hope to do the same .
Yeah , that's all Well , you're , you're doing it , you're doing it . So we'll get into the podcast thing , cause the podcast is really really good and everything you're doing . Uh , the other thing is that you're a TV host on the national television show called American dream TV and we know a little bit about that , hugo and I .
He used to help out , but we did that show for a little bit , but you're doing it right now . It's with . Craig Sowing is the guy that runs the whole thing . He's amazing . You just had him on your podcast , didn't you ?
I did . Craig's amazing American Dream TV is awesome . I was telling you before just . It's a great way to open doors , to create relationships and to both get some great branding and exposure out of it and highlight some beautiful properties and communities .
I saw you at the Ritz .
Yes .
Right , you were there . I saw you at the Ritz , which looked amazing .
Oh my gosh , I'll be there tomorrow to host a broker's open with the agent there . Yeah . It's fantastic Beautiful listing and just a beautiful building .
Yeah , Can't go wrong with the Ritz . The Ritz is definitely . There's the reason they're the Ritz . Oh , you feel it . It's everything they do . Yeah , you do , you absolutely do . It's so funny . So , yeah , so let's go into this .
So what really caught my attention is I look at a lot of different guests and I'm like you know , okay , yes , maybe I'll have them on whatever , and then yours . What really got me was this thing that you call the science of luck . You know , and I've never heard of anybody have that term .
You know , cause a lot of times we say luck is not really luck , or and a lot of people stay away from the word luck , if you notice that cause they want it to be oh no , I worked hard , I did this and I did that . There's no such thing as luck .
Where did you come up with the science of luck ? Well , so I was asked to do a keynote speech at the fourth annual women's conference for the Jersey shore chamber of commerce that we're members of , and I was really honored . And then I was like , oh my gosh , what am I going to talk about ? I'm not going to talk about mortgage products . Nobody wants to .
Realtors don't even want to hear about that . So I had to put my thinking cap on and I was just doing some research , trying to think about what would be a great topic that's kind of all encompassing both personal and business , and so came up with the science of luck .
I can't own the concept , right , there's probably a book title for every kind of way you can say this the science , equation , whatever . But I mean I'm really enjoying going on tour talking about it . The , the , the keynote went great .
Everybody was very caught my attention . Yeah , seriously , I mean I wouldn't have . I wouldn't have met you if , if I wouldn't have . I looked at you .
I'm like this person looks like they know what they're talking about and all of a sudden I'm looking at the caption and I saw the luck thing in there and that to me was just was really cool and it stuck , the luck stuck .
It did .
See , you're getting luckier Look at that , no , but it stuck . And now you're traveling around talking more about this and you're using your podcast . You talk about it . It's becoming something . How about a book ? Are you going to write a ?
book . I would like to do a TED talk on it .
That would be a great goal .
I did submit , I nominated myself .
So we'll see if they respond . Well , if you need any references , whether it mean anything , I mean I would say yeah , she's great .
Amazing . Well , now that I'm on this show , I think they might take that . Yeah , exactly .
Look at that , that's it , that's right . A lot of times when , when I've heard about luck and and I know you kind of talk about this in your talk was they always said it's when preparation meets opportunity , you kind of have that in there too , with like a little twist to it .
There was some different things , because you were talking about lucky , you know , making sure . You know what do I need to do today to be luckier tomorrow ? That's a cool concept .
Yeah , it is , and you know what Preparation and opportunity are a big piece of that , that formula . But it's , it's not enough just preparation and opportunity , because without that last step , that last piece of the formula , you , you'll , you'll miss , you'll miss the opportunity to create luck in your life .
So it's important that you follow all the way through with the formula , and it's just one of those things that we have to be doing over and over again in our lives we all experience setbacks and failures , and sometimes we can follow the formula to a t yeah and it doesn't create the luck the first time .
But we go through a lot of examples of um just some , some great people that have achieved so much in their lives that have applied it , and so , um , I'm not going to tell you the formula yet , though you .
No , you're not going to tell me . So I'm like on the edge of my seat here I'm thinking does she know ? She didn't say it yet . I'm like she's
¶ Who is Nicole Perum? A Billion Dollar Banker
just like kind of baiting us .
It's like click bait here .
Yeah , jeez , maybe if I use my eight ball , maybe something will tell me there . I don't know if it's in there luck or something's in there , I'm not sure . So , yes , so the thing that was funny , like I said , with the luckier tomorrow . So there's things that we need to do today . Obviously , preparation is one of them .
You know , and I always think and we just talked about this upstairs with Susan I think a lot of times you have to know opportunity when you see it . I think a lot of people don't , and then when they see it , they don't realize it's opportunity , so they don't jump on it .
So you can prepare as much as you want in life , but if you're not able to notice an opportunity , you're screwed Right , and I think the preparation piece is so important .
You're absolutely right , brad , you have to . Opportunity doesn't always come with like these bright , flashing signs and signals and you don't always know it's there .
It's about awareness , it's about having broad social networks , it's about putting yourself in the right environment and it's about having the right mindset right , because when you feel prepared , when you feel confident about what you do , you're , you'll , you'll be in environments where you see opportunity everywhere .
Right , and so , I'm sure , everywhere you go now you see like who's the next podcast guests .
Right , it's exactly , it's exactly right , so true . I look at everything through the lens of you know of , oh , that's a podcast , right there , that's a podcast , so it's so true . And that's that reticular activating system , I think , is what it's called , right RAS , I guess .
But you're prepared right , absolutely . You have this amazing studio . You've 200 and something episodes , so many great reviews , 200 and something episodes , so many great reviews . And so you're , you're prepared , you're ready and that's why you can see that opportunity . You're confident in what the value that your show provides .
You're confident in your , your ability to be a great host , and so that's why you'll see that opportunity all around you . And I'm sure , just because you're you're six years in , you're still learning , you're still growing , you're still listening to other people , and so that prepared part , you never stop with that .
That's why the formula is so important to constantly be rinsing and repeating .
Oh , there's it , the rinse and repeat .
Rinse and repeat .
That was another thing I heard on one of the shows , one of the recordings that you had whether it was a reel or something like that I saw . I did a lot of . I call it creeping , like when somebody's coming on my show I have to like creep on him a little bit , so I just dig in , you know , to find out what's going on but that's that's really cool .
So let's go into luck , as a skill is a skill , luck is a skill , yeah , it is , and I wrote my notes .
Wait , what , what , what what luck is a skill ? Yeah , so if you think about it right , it's there . There's a skill developed behind this formula right , preparing , believing in yourself , you know , putting this studio together , whatever the example is right . So you're , you're prepared , you , you're great at what you do .
Then you start to put yourself in environments where you see the opportunity . So there was this doctor , dr Richard Wiseman .
He conducted a 10 year study . Isn't that funny . Is that his name ?
now that I'm thinking about it , I think it is Wiseman , and so he did a groundbreaking tenure study on the science of luck , and what he found was that lucky people tend to have broader social networks and they're more open-minded , and so ultimately you're putting yourself in these environments .
But then the next stage of this formula is bold action and being able to do preparation , opportunity , bold action and doing that consistently . There's a lot of skill that's involved there . There's a lot of mindset . You take that bold action or maybe you don't take bold action , Maybe just take action and you send one follow-up message or one one phone call .
Right , and that's not enough . So it really does require so many skillsets to have the discipline to consistently do that formula and when you do , you're creating environments where luck can thrive in your life . It's like , in short , it's the harder you work , the luckier you get .
But when you break right . Absolutely , totally , totally true , because you know it's funny the more that we've been doing and I always include Hugo , because Hugo has been a part of the show for a very long time now but , and we have meetings about what are we going to do next , how do we make it better , who do we want to get on the show ?
And , uh , and it's true , like the more we do it , the more we we get better at it and the more I guess you want to get say lucky , but there's doors that are opening . I mean , us meeting you is just a different , uh , different guests and a group , a great guest and was very excited to have you here .
So it's that kind of stuff too , which opportunity comes up . You realize the opportunity , but it doesn't work out . Yeah , that's the part about consistency right and you can't stop then you can't say oh , I was unlucky , no , you , you got , you got lucky , but it didn't work out . Not a big deal , Move on .
Right , the more that you're , you're creating that environment where luck can thrive . It's like you know , you can't go on one listing presentation and then say , oh , I lost it , so now I'm not going to do all those steps that got me there to begin with . Right , you're going to go back and do it again .
You might have to do it five times to win two listings , but you keep doing it . And that's where that persistence , that self-belief , that mindset all come into play . And we use the example of JK Rowling . It might come into play , and we use the example of JK Rowling .
It might , it might be a little bit corny , but ultimately , 13 publishers before that book became , uh yeah , what it is today .
Could you imagine those people that turned her down ?
How they feel Unbelievable .
I mean Disney's got a whole , I mean universal studios . We were just down there and they have this whole like unbelievable .
Harry Potter land .
It's unbelievable . I mean , that's from one person's imagination and it got turned down .
Right , and so you know the preparation was writing the book .
Yeah , right , and then you know , then you have to find a publisher , you have to seek out the opportunity , someone to , but then that bold action part , that's the going to 13 publishers , right , yeah , and so you know , it's like the Michael Jordan , you know who missed the most shots in basketball .
Exactly One of the best players . Best players ? Yep , yeah , because that and same as look at baseball . Baseball is the same thing they strike out more than they ever hit . It's just the way it is , you know .
Right . So you have to , you have to kind of get comfortable with you do and continuing to excel and continuing to create environments where , if I just keep doing this , at some point it's going to happen .
Yeah , it's amazing . What I think is amazing is what you said before , that you got asked to do a keynote for for an organization and you then you're like , oh shit , now what do I ?
do . What am I doing ? What am I going to do ?
What am I going to talk about that's ? That's a little stressful .
Yeah , you know what it ? I work well under pressure . I'm like a commit first , figure it out later . Sometimes is my I don't need to come up with you know I don't need to know the whole process A through Z . I'm going to figure it out as I go .
I'm going to keep doing my , my research , and so , um , I think you need to have a plan , but sometimes when you plan too much . That's where dreams go to die . You know , they just never get out of that stage because it's like , oh my God , this is so overwhelming .
How am I going to do this ? So true , so true . That's why I don't script the show . Everybody says well , how do you know what you're going to say ? I said , look and you can see I have bullets . That's it .
Yeah , and the bullets , you know . Having coffee , what used to , you know used to be going out to lunch or having coffee or just having a meeting together . Now we have it here recorded for plenty of people to hear , absolutely .
Yeah , it is cool , really cool . So this is interesting you said that you also now and you did what you did during COVID when I started a podcast you started a podcast . You started a New Jersey construction . Yes , so you have a company that you're part of and what is it ? Are you building homes ? Are you doing additions ? I mean , what are you doing ?
So so we're a general contractor . I have a part of phenomenal partner that's been doing construction for 30 years . He had an established business before we decided to dissolve that and open up a new entity called New Jersey construction . So you know we're I always say New Jersey's most reliable contractor .
Like what's the problem you're going to solve for people and so for us it was , you know , being a reliable contractor , someone that answers the phone , that does what they say they're going to do , that fixes mistakes when they happen . I love real estate . I'm a real estate investor , I've been doing mortgage banking for over 15 years . It was like a natural .
My father was in the construction business . It was like a kind of a natural natural thing . But all of these skills right , so everything transcends right , doesn't it so the ? Same . The same tools and systems that you use to build a great real estate business , you're using to grow an amazing podcast , and so it's funny because it's all common .
Yeah , and all that extra time . It was like what are you going to do with it ? Right , what are you going to do with now ? Not a lot of people are buying homes during COVID . No one's in the office , it felt like you know , so your hours went down , so we're really excited .
We have a 65 star reviews on Google and we're just yeah , we're , we're growing and .
I absolutely love it . So now you mostly in New Jersey then doing that , or , yeah , monmouth and Ocean County .
Hamilton , Ocean County , Okay awesome .
Yeah , that's different .
I'm going to get you to drive too . We're going to get you there .
I feel like I'm going to be driving to New Jersey sometime soon , you are , but okay , so let's go into . You said about possibly a book .
Yes , you know I'm in talks with a publisher right now . Um , and we're almost at the end of the process . We just went through the yeah , so it's called the MVP mindset and uh , it's just it's , you know , only only 10% of people get past the first chapter in a book .
I can only believe that doesn't surprise me , because I've been working on one for a while . And um , yeah , you're right , because it's the same as the podcast . They say like what seven ? If you do seven podcasts , you're beyond the norm . How many have you ?
done . I think I'm up to like close to 40 , some of them I do on my own now . That's good yeah it's just about mindset or motivation or sales .
That's awesome . Yeah , they're good too . They're really good . So let's go back . So the book is called MVP . Of what MVP ?
mindset . Mvp mindset having kind of like a top performer .
Yes .
And so it's , it's actionable steps . It's I'm going to call
¶ The Concept of the Science of Luck
it like a booklet , cause I'm like a cliff notes person- Give me the same here .
Just get to the point .
Yeah , I'm not reading 200 pages , I don't need a whole story , like if you're need to tell me about like one day a long time ago yeah , yeah , yeah , this is yeah .
Just get to the point , exactly it's very to the point .
It's very actionable . It's almost like if you ever go to like a seminar , like a tony robbins seminar or something like that , at the end of whatever he's speaking about yeah he's like , okay , now answer these questions and what are you going to do next ?
right , right gives you those things to do at the end of every chapter and so hopefully it's something that can help people .
You know I was telling you before we started a coaching program which I've been a leader in this business a long time and , as we were talking about before , these things all transcend so the same things that you need in your life to apply towards anything you do . Um , I take just great reward in helping people reach their full potential .
That's why the podcast started .
Yeah , so the but with the coaching . Let's go back to that , that's . That's a different thing too . Do you find that when you're coaching somebody , you're also coaching yourself , or learning from it at the same time ? A hundred percent , yeah , yeah .
I think when you , when you're actually speaking something into existence , it helps you to continue to to hold yourself accountable to those things too , because you want to lead by example . I had someone on the show the other day that was talking about the power of networking and connecting .
Right .
And , uh , she was talking about follow-up and how you have to be good with follow-up and a lot of people leave that on the table and as she was talking , I was thinking about all the people I needed to follow up with .
That's pretty funny to do right now , you're like oh my gosh , I can't do this right now . I got to follow up , yeah .
I got back to the office , I'm like I'm doing it now Cause it would it had been . You know I'll , I'll get to always get to it . I can't do activities and not follow up . You know , whether it be open houses or brokers , opens , whatever you do for a living , you know . That's the bold action part , right , cause you can . That's the bold action part I .
And then not do it , they'll be like she's full of it . Yeah , you gotta be authentic . Exactly Gotta be authentic . Yeah , it's cool , you know , look I . You gotta you gotta know how to build relationships .
They don't just all always happen right away .
Right , it happens over time , and so . I think if you approach them authentically and you know how to stay connected , it's , it's a great thing . I think the science of luck is really , hopefully , something that can inspire people to take take more chances on themselves .
Now do you bring up science of luck in the book , then Do you bring that up in there now . So this is a completely different book .
This is a yeah . I haven't written anything about the science of luck , but I would love to . I'm speaking about it in real estate offices and seminars . It's just going to be a topic we continue to talk about because it's a great way for people to think about .
You know the results of their work and what it can create , and you know because people look at someone that's successful oh , look at Brad , how lucky is he . He's got to look at his podcast . He's got look at you Gets all these listings from the podcast . So what a lucky guy .
No , brad was a guy that prepared , that put himself in places where he'd find opportunity and that took bold action . I mean , you're taking bold action to get guests every day . And how much you learned from , from just sitting here .
It's unbelievable what I learned from actually the research . I usually learn a lot , um , and then also from being here and there's things that what happens , too , is that I'll sit back later on and I'll kind of analyze um our conversation and think about what , what did I get from that ?
What can I use for the next podcast that makes me better or , you know , makes me better at asking questions or connecting with the guest or whatever .
So well , you're great at asking questions and when I think about the audience . Right , and we asked that question in the presentation what . What can you do today to be luckier tomorrow ? What's that phone call you need to make ? Where's that place you need to go ? Who's that person ? You have to see who . Who's that . Who's that person ?
Or that opportunity that you've left on the table ? Because research finds that most people they don't . They don't create that environment where luck can thrive because they they miss opportunities . They just don't see them . They're not , you know . So use this example in my career , where , you know , I was with a large bank institution for almost 13 years .
I was a producer , a loan officer , and then I wanted to become a leader . I was really passionate about wanting to grow my career and I was prepared , but then there was this opportunity that came and I applied for the position to run my own branch and I didn't get it .
And I was like Okay , all right .
So I have to kind of like now take a step back and figure out why is . Maybe there's someone else more prepared than I am .
Maybe that , or maybe that just wasn't the right thing for you , right , but I , but I , but I saw the opportunity .
So you know , overcoming failure , right ? This is what this one's about . Is like I . Six months later , another posting job posting came up and I went for it again , and that time I got it . And ultimately , by the time I left , I went for it again , and that time I got it .
And ultimately , by the time I left , I was running the number one team in the country as one of the youngest leaders in Manhattan and um our team did 2.1 billion in fundings in in one year , in 2021 . Yeah , 53 people on my team , 16 bankers , 53 people . Yeah , it was incredible .
It was an incredible time , but it was one of those things Like if I didn't , if I didn't go after that next opportunity again , it just wouldn't have been there . So you have to just believe in yourself . You're going to hit these roadblocks , you're going to fail . Keep going for it and keep preparing .
I had to go back to the drawing board and say how can I be better prepared the next time this opportunity comes ? Because I'm still going to go after it , but I need to work on myself in the meantime . And so you sometimes you can get feedback from people . Hey , what could I have done different ?
Yeah , I always do that , you know . I think even to just a listing . If I lose a listing , always do that , and I , you , and it's hard because you want to be like freaking out on the person , that they pick somebody else , but you have to say hey .
By the way , you know , it would really help my business if you could tell me why , why you chose the other person , and if it comes from a real , sincere , authentic place , they'll want to help you on that and they'll tell you the truth and they'll say it and then , but you have to be ready to take that information right , swallow and go .
Okay , you can't go oh , they don't know what they're talking about or freak out about stuff . You just have to take the information and that's . And that's part of learning , it's part of growing .
Yeah , I was listening to one sales trainer who at that point , if you know , when you get that kind of objection you talk to people about , you know well , before we kind of move along like what talk to me about why you know , you kind of can get them back to where where you were , almost like maybe they're not ready to list right now , or maybe it was a
friend or family member . One thing you never want to do is make an assumption right , oh , they must've not wanted me because I was too old , I was too young , I was right . So you got to get back out there .
And it's funny because when I did the presentation at a real estate office on the science of luck , that was what someone asked Like how do you overcome failure , how do you overcome rejection ? You just beat yourself up so much . I mean , I heard the other day 74% of realtors .
Is this true ? Didn't have one deal .
Didn't have one deal .
Yeah , we don't like to put that out there too much .
No , I'm just kidding , Not this office though right , not this office .
No , we'd be in trouble . Yeah exactly no , but no , you're right , it is so true and it . But what's amazing about that ? When I thought about that number , I thought , oh well , there's no way that could be correct . We have about 1,200 agents in this county . It's a small county , I'd say probably about 200 or 300 are doing the business . Wow .
So if you think about it , that's in that 70% range . So what's weird for me is how are they making it ? How are they making a living ? Yeah , I mean it's uh , it's still been . If you sell one house , you're doing better than most which is crazy .
I mean , it's the same thing on the mortgage side of the business too . Right now it's a . It's pretty incredible how , how degradated you know the opportunities become , and but you know those people that are excelling , those are the people that are applying that luck formula in their life . They , they've probably gotten more prepared than ever .
How do I prepare for COVID ? How do I prepare when we get out of the lowest interest rate environment we've ever been in ? I mean , that's a totally new skill to develop .
How do I ?
how do I overcome the objection of I don't want to sell right now because I have a rate of 2% and rates are seven or eight ? It's hard , it's very hard .
That's a tough one . That is a tough one and we talk about this all the time . I mean Hugo's shaking his head , because a lot of times we talk about this on the show that I do with Pete , and it is hard because they're at three and a half percent and they're saying why would I sell , move to Florida and pay 7% ?
You know , but there's , there's things in there . There's also , you know , are you going to let always let money hold you back from where you want to be ? Right , you know what I'm saying . Like you got to be careful . Yeah , happy happiness is something too .
The other thing is that if you're at two and a half or three and a half percent and you're almost paid off your mortgage , you're you're going to be paying uncle Sam more money because you don't have much to write off .
So there's a lot of things . It's really hard and yeah , but you had to re-prepare for that oh absolutely .
You had to kind of re-educate yourself Well what are some of the ?
reasons why people would still consider moving . I mean , you know almost 40% of all people that own homes don't have a mortgage . Yeah , we talk about that . Isn't that incredible ? It's amazing .
It's the best time ever . We have more equity right now . In our country , it billion in equity that more . And that's why when people say , oh , 2008 is going to happen again , I'm like no , it's not . We didn't have equity back then , we had no value , and so it's a total , and banks were doing some things that were not good .
I mean what a great time to doubt , to think about downsizing . Right when you , so it's like you know , I think in the beginning of your career , maybe somebody that's out there today that might be feeling discouraged . It's like you know you don't . It's never like you don't make it right .
It's not like you get to the top of that mountain and like I'm here now , I don't have to do anything else . It's like now you have to , now you have to stay there , right , so it requires just as much . I always use the example of like a professional athlete . They don't stop practicing once they become a pro , they practice more .
So you know , that's why we talk about luck as a skill , because those other 30% of realtors they're applying that skill , which is creating environments where luck is thriving in their life , and they're getting more listings , more clients .
They're creating it . You're exactly right . You said creating . That's exactly right . They're creating and I think a lot of people think it's going to come to them . It doesn't . You have to create it , they have to create it and you have to make it happen . So let's go back at the . I want to talk a little bit more about your uh , the podcast .
Sure , like who , who are you having on there ? Like , who is like what's the ? What's the goal there with that ? Who are you trying to get ?
So well . I think , ultimately , that the mission was really to help people just to reach their full potential . To you know and it evolves as time goes on We've kept our audience and our guests extremely diverse in the topics that we've been doing . Isn't it fun to always be looking for the next fun topic ? Yeah , it's awesome , do you ?
find , though , that you're starting to get a lot more people asking to be on . Yes , yes . And then you get to a point where you're like all right , I have 10 people that are
¶ Preparation Meets Opportunity: The Formula for Luck
all going to tell me how they made $10 million in their first five years in business , or whatever it is , and it gets to the point where those those stories are boring .
Yes .
Because this is not boring , this is , this is fun because it's it's there's depth to it , but there's a lot of time . Many times we say you go . I say you know , I don't need to have anybody on tell me how much money they made in such a short period of time . That doesn't do anything for me .
Right .
It really does , cause there's a gazillion of them that are out there . Yeah , so it's just having those good conversations . Yeah , you just had a lady in there that does like wardrobe or something Personal styling .
Yes , yes , it's Carly Walco , she's she'll , I mean she'll completely revamp . I mean , just think about it .
We think about confidence and preparation .
Yes , I mean , you got . You want to look good , right , and so that's something that a lot of people just aren't that great at shopping and finding what fits them well .
And so she'll come in your house , she'll go through your closet , she'll figure out what works , what doesn't work , and then she'll be your personal and like , oh she would have a field day with me .
She'd be like you know you own nothing but plaid . I think you should get your hair like that again . Do you notice that ?
I've lost most of that .
Yeah , I wish I could get my hair like that . Yeah , that's funny , it is funny , but no , that's that's really interesting we try to get people on .
That can we can fully help people , right ? So we've had a personal stylist come on who does all your shopping . We had someone come on to talk about the truth , about your health .
Right , you want to optimize your health yes , yes you want to optimize how you look so that you can you can feel better , because in this job specifically I don't know if you own a business , if you're a realtor , if you're a mortgage person you need to feel good , to show up every day and to to have that mindset , to get out there and try to win in a
in a tough field . So we've also had some I'd like to call them celebrities HDTV celebrities , love it or list it . Eric Aramita we had a guy on John Steingraber who runs a great real estate investing networking , but he's also on A&E 24-hour flip .
He had this incredible idea to flip a home in 24 hours so just two 12-hour days and gets this thing back on the market .
Oh , two 12-hour I was going to say two 12-hour days , that works .
I was thinking 24 hours .
That's pretty amazing . But , even so , that's incredible .
It is . It is really great . Wow , that's an undertaking yeah , but it was a great show . You should check it out .
Yeah .
His story is really powerful , and so we had Craig Sewick Sewing .
Yeah , yeah , I always want to say sewing . I know Because I always ask him it's sewing .
He's like yes , about media . They talk about health , we're , we're , we're just giving all kinds of information and then , and then I'll do just a separate podcast , sometimes just audio only , sometimes video . I've seen that .
I've seen you do the audio on you where you'll have some notes and you . I want to do that . I haven't done that yet . We have talked to him about that , where there's certain things that I write a lot of stuff and and there's a lot of stuff that I have on trust and building relationships that I'd , but I'd like to do it in that format .
Well , we were talking about Ed , ed , my lad .
He does a ton of just just him , right , he's amazing , he really is like prophesizing . Yeah , I , I , yeah , and he just talks and you just sit there and you're like it's unbelievable , he's , he's really amazing , it really is .
Well it's .
It's great . Yeah , I'm listening to her . I'm listening to her book . I don't read books , I listen to them . So I'm listening to her book right now . It's really good .
She do a phenomenal job marketing that book .
And she was at the Keller Williams family reunion last year . Oh , really . Yeah , yeah , we have another one . Did the makeup she's a little heavier , but she does makeup . I forget Kern , something Kern , jamie Lee Kern or something like that . She's going to and she's amazing too . Male Robbins and all these guys . What's your favorite podcast to listen to ?
Yeah , I think it Ed and Mel are at the top of that list .
I think , uh , you know I'm always finding new ones . And they say , like , you know , find maybe like five or 10 that you'd like to really listen to , and sometimes you don't listen to the whole thing , but I love sharing them with people . I mean , before I did my own podcast , I was sharing other people's .
I was like , mom , you got to listen to this right , I share them a lot , Ed , my lead .
I share all the time now , but I do .
I do start to notice to launch and how to grow a podcast . I don't know if you've heard of schoolcom with Alex Ramosi . So there's this whole thing . School S-K-O-O-L .
Really interesting .
You can create all these training modules and there's a whole calendar . You could go live . You create your own little community and they can subscribe to be a part of it with you ?
Oh , that sounds fun .
There's so many people out there that are like lost . I'm like what do I do ? Right , when you think about a problem , how do you solve it ? You know you have so many agents . How do I do video ? How do I edit the video ? Who's going to do the photography ? Who's going to do the film ? How am I going to get a podcast ? I don't know what I need .
Mike's lighting all this stuff . So it's um . Here's everything I need , step-by-step , for creating a podcast .
I love that idea of that .
So there's yeah , we'll talk about that Cause it's , it's really cool , but check out school schoolcom . It's an app , um , and there's a lot of . I'm actually subscribed to some other sales trainers that are on there , and so it's a . It's really cool if you're looking for like coaching at an affordable kind of group price .
Um , that's pretty neat . I never heard of that before . Yeah , that's pretty neat , it is interesting .
But I noticed in the podcast world and probably your audience maybe they're listening to podcasts A lot of the ones that are really taking off , are getting current events Right .
So part of what I like the just the audio only is because you could just throw it on and boom , you're talking about the impact of Trump's executive orders and what it means for housing . So we put something together like that sent it out to a hundred agents . Hey , not political , just informative . And what does it ? What does it mean ?
How's this going to impact us ? Immediate housing relief right that was the EO right and increase the supply .
And we need supply .
Gosh , do we ?
need supply .
We do it's everywhere too , I blame you guys . Can you list a house , I mean ?
Oh my gosh , it's so true . No , nobody wants to move . That's the problem . I mean it's so funny . And that problem I mean it's so funny and that's the lower interest rate . So I blame you guys .
I know , yeah , it's our fault . I'm gonna put it back on you . How do you like that ? Well , there are options for that you know we get to the mortgage product talk , but you can get a rate that's in the in , in the low fours , if you want sure , just kind of pay for it there's a yeah there's .
You can have the seller pay for it too exactly there , you know , we back to preparedness it's just you kind of try to find ways that you can create solutions for people and that they don't . You know , in New Jersey we have a $22,000 down payment assistance program .
Wow . If you're a first generation homeowner , $15,000 if you're a first generation homeowner , interesting First gen .
Yeah , you guys have one in Pennsylvania too .
We have PHFA , which I think is what . It's the same thing .
It's like I don't know what . I think the amount's a little bit less .
Yeah , but that's because our average sale price is so so much lower .
But if you think about it you know they've never been throwing .
They haven't thrown more money at first time home buyers than they are today . Yeah , exactly .
And so it's , it's just crazy , and I have buyers that it's been two years .
They haven't found anything , yeah getting the inventory , getting them to find what they like . You know so it's crazy , but you know what we have to wrap this up .
Believe it or not , you have a question , go ahead . Go ahead , you get your question , yes thank you uh , your first uh your um a no-brainer productivity tip and a no-brainer financial tip for the average person ?
oh , that's a great question so you always ask good questions what was the first question ?
uh , no-brainer productivity tip , productivity tip . So I think you have to , obviously , and this is not fun for all of us , but you have to get back to the basics on your time management routine .
I like to create what I like to call the ideal work week and you'll look at it and be like there's no way I'm ever going to do this this has been the perfect world . But I think you should create that perfect week . What does it look like ? What are you doing every day ? What are you doing once a week ?
Get it all in there and look at it every day and you know it's not time management , it's it's really self-management . It's like how do I get myself to do something I don't want to do ?
And then the feeling when you're done , doing it is good , exactly , it does feel good and you're not , you might not hit it every day , you probably won't , because it's just ideal , but you want to , you want to strive for it .
And then , as far as financial , I was just saying , the other day I had somebody on the show that wrote a book called the real decisions the financial impact of renting versus owning . Because you have a lot of influencers out there today that are saying oh , this is a renter nation and you should .
You should rent , you can be fluid , you're work remotely , don't get stuck in one area . Rent , uh , owning's a waste of money , right ?
They're literally touting . I'm going to send them to you when I see them . Yes , please do that's . That'd be a good topic for Pete and I . That's true , Invite me and .
Brad on your show and we'll tell you why . But ? But I had someone come on and he wrote a book . He's very passionate about it 20 years as a financial advisor , and one of the stats is that , on average , someone that owns a home has a 40% higher net worth than someone that rents .
And so you can slice and dice the numbers all you want , but home ownership is an incredible way to build wealth .
No question .
Whether rates are high or low . So I encourage you . I don't think there's one person I know out there that regrets buying their first home . Nope .
I always say jump in person , I know , out there that regrets buying their first home . I always say jump in , you got to jump in , you can't wait . The only market we know is the market we have right now . You can predict as much as you want , but we don't know what's going to happen A hundred percent .
So I just really encourage people . There's a lot of benefits out there right now and it's a great time and it's a great way to build wealth . Yeah , absolutely , absolutely Did you know I was going to say . That Was absolutely .
You know I was gonna say that was that staged it might have been staged thanks so much . So how do we find you ? Give me all your socials or whatever you want to want to find you at everything is at billion dollar banker .
I hope to see you guys soon and thanks for having me brad oh , you're very welcome , so so fun , all right .
There you have it , nicole perrone , I'll tell you what . The billion dollar banker . That was just a fun time and and hopefully maybe when she comes out with her book she'll come back down . We'll see the whole driving thing . I think it was a problem , but that's about it . Thanks for coming here every Thursday at 7 PM . We'll see you next week , all right .