say you had a million dollars just lying around and you had to give it to one of two people who would you rather give it to if you apply for a mortgage you can apply with four types of sales people at four types of places us as a broker company we use this magical software called loansnap is ultimately like hey Andrew I hear about all these new loan types is the crash coming all these crappy loans so the answer is a big so it's almost the opposite first for entrepreneurs say
oh my god I have a startup company I have to put in 23 hours of the day it's not the case focus on getting your mind and your body right and the rest is easy hey there and welcome everyone to another episode of The Jackpot Show where we talk about all things real estate finance and entrepreneurship and today we're gonna talk about all three things of that because my guest Andrew Russell is a mortgage visionary psychology expert business trail blazer so we're gonna talk mortgages today
and business and mortgage and everything involved Andrew welcome to the show thanks for having me Jack wonderful so you are in beautiful New York City and tell us what you do so I own a mortgage broker company we service clients on the residential side and you know right now we're kicking butt we're taking names and even in this market we're doing very well alright great so let's jump right into that so real estate interest rates are up people are holding on to their 2.8% interest rates uh
not selling their house um the economy is whatever with the terrorists and things like that people are a little bit scared out there how do you still taking names and kicking butt out there so I mean listen I feel like when you do something for a living the riches are in the niches so although to your point you know I don't I don't remember the numbers I should I do this for a living right x amount of percent of people have a rate under 4% and even more of them have a rate under 5 or 6%
you know right now I feel and we're seeing in the marketplace and a lot of the articles we've been reading that a lot of clients are charging up Jack their credit cards you know there's a little bit more debt so with the the rates where they are with the lack of inventory the values in America seem to be going up especially in our local marketplace so with that as equity goes up it's a great time to I don't know take out a home equity loan you know so although you know
maybe some of these these clients aren't gonna sell lose that low interest rate um they're certainly you know quote unquote cash advancing their equity now because again um due to the various reasons it seems like debt scratch any debt is going up so it's a very cheap way to pay down that debt and it's kind of cyclical you know that's something that we're seeing as well so although it's frustrating that you know some of the inventory stuff hasn't really caught up with the demand
on the buy side people are definitely taking advantage of their equity position okay so you're basically have probably pivoted from 202120 two or 2021 22 from a lots of new purchases to a lot more refinancing second home second lines and and things like that yeah so I wouldn't say we we fully pivoted it's just you know right now you can't be a one trick pony so I own a mortgage broker company we have access to all the products what does that mean that we really specialize in everything
so some of the things that I've picked up for sure that have bridged the gap of you know years ago to your point if someone said hey Andrew I got your information from Liz Cool you know how can I help you I have a rate of seven and a half percent you know well great news you know rates are now at two and a half percent that's what the conversation was it's not all that difficult it wasn't even necessarily sales just it always made sense you know now it's kind of morphed into
as you lost those refinances non QM it's a super weird acronym non QM but non QM non hyphen QM it's just basically a mortgage type where it's more reduced documentation it's geared towards self employed clients investment programs where it's on the market rent versus actually showing your income so that type of mortgage product which has a bunch of stuff within it that's taken market share and of course to your point uh heelocks just weren't really a thing and now they're definitely a thing
you know some of the heelock lenders are allowing higher percent to borrow versus the all in value number even with a first mortgage so those have taken a little bit more market share but to me you have to be definitely diversified in this market you can't just be a vanilla purchase shop 20% down two teachers high credit score you know we have to get a little bit more into the chocolate that's what we've done alright so let's let's unpack a lot of things because I um
I'm the I'm I'm known as being in land so we flip land we have a coaching company that teaches people how to flip land most of our business is um is happening outside of traditional banks and mortgages do a lot of self financing we create our own notes and things like that and banks typically don't lend on land so so notes is or or like the mortgage world I have do I have experience with it of course I have rental properties I have apartment complexes I have things like that
I have my own home and things like that but um I've never really gotten that deep into into the different kind of products and stuff like that but my audience is not all land our audience here whoever watches this is not all in in land there's there's people from all walks of life listening to this and so uh one of the things is let's talk about first of all you said your your mortgage brokerage what what kind of different mortgage people are there let's say the orange conference out
but now we'll talk about let's write that and then I wanna talk about the different kind of things that the abbreviations that you just saw about with lower documentation this kind of things let's dive into those two subjects but one after the other perfect so if you apply for a mortgage you can apply with four types of sales people at four types of places one is the big bank I'm sure you've heard of them Chase Wells you know city banks some of the larger institutions
they usually specialize in certain types of loan programs but not all of them but that's No. 1 No. 2 is a credit union you know usually typically local credit unions that will service clients the third is a mortgage bank you know these are lenders that actually fund the loan with a warehouse line almost like a line of credit and then they sell it off they're non depository institutions but again you're at one bank and then the fourth we save the best for last is a mortgage broker company
so we partner with banks so we say like we're on with all the banks so it is the truth what makes us unique and the best is every client that comes through the door has a different circumstance and scenario low down payment high down payment low credit high credit show your income you know I'm self employed and write all my income off investment primary jumbo there's a a kajillion types of loans out there so what makes us unique is we take a step back have a nice high level consultation
and make sure we align that client with the best lender based on the loan type and then we offer wholesale pricing versus retail which means we typically are the low cost provider as well but we're the one stop shop for mortgage okay so now you mentioned the banks and the and the credit unions I mean aren't those kind of the same thing in a way from they it's an employee that works there they offer only the company's products and uh how how come they're in two different categories yeah
so it's just different you know big banks Wells Fargo City Bank Chase you know they're considered fdic's credit unions I mean locally in this area you know jovia uh Teachers Federal there those are a little bit smaller versions I feel of the fdic's but yes you have an employee there uh usually federally regulated that just offers the product suite of that one bank same thing goes for the third option the mortgage bank you know a loan officer works there and you're only
we're gonna be able to offer what that one lender is comfortable doing versus us as a broker company we use this magical software called Loan Simulator all it is is we put in the the specifications of the purchase or refinance we click submit shows us all the lenders we're on with and who's the best priced and that gives us access to the best pricing and of course the widest product suite okay very cool so that's uh that that's a good thing to learn
so it's not always best to go to bank of America to the loan guy no he's chasing you um because I mean it might be worth checking with them and getting a quote but uh but through you guys you can get you can get a loan with bank of America too because you cause they're they're bidding on you guys'loan loan uh loan typically the big banks specialize in like the jumbo world so if you have you know a multi multi million dollar property and you have a great job
you show all your income with great credit um they're actually willing to lose money on the mortgage so they can cross sell you after you close no one can compete with that but that's a super small you know niche within the mortgage business yeah like with my finances as entrepreneur I think every time bank of America with the guy calls me and says like hey how about you refinance your mortgage I just laugh I was like you happy to look at my finances but you're never gonna fuck off
give me a loan on that because it just they're so restrictive uh cause they have they're they have 17 layers of bureaucracy there and they can only approve one kind of thing either something really really complex or like a what you mentioned or just a simple cookie cutter kind of thing right yeah I mean sometimes too it's the actual salesperson you work with it's weird our business is not sales to me it's more consultative I've worked with over 10,000 people we've hundreds of five star reviews
if you work with someone at bank of America are you getting their cell phone number do they have do they have product knowledge through and through have they worked with thousands if not 10,000 you know people has a reputation you know that those type of things really matter especially as you're purchasing because no matter who you are the you know what always hits the fan and you need access to the mortgage guy to save the day so it's just a different caliber of salesperson
you work with when you work with a broker company and the answer to all these questions is usually no that they don't have all that experience yeah so I'm not gonna say no why they're not answering the email timely correct yeah I've actually have nothing but bad experiences with those big banks uh that's why I always go with a broker uh or with a mortgage banker if they have the right kind of product for me um yeah very good very good so now that we understand the difference now
you mentioned something about certain loans are now available that there are less documentation now that sounds like 2007 all over like what's the difference between those kind of things uh or or and what's being offered today yeah it's a great question because ultimately like hey Andrew I hear about all these new loan types is the crash coming all these crappy loans so the answer is a big fat no so the reason is is when you check for mortgage qualifications it's credit income and assets right
credit income and assets so typically especially you know to your point if you're self employed entrepreneur businesses write offs they put you through the ringer look at multiple year tax returns they look at your net not your revenue so if you write a lot of stuff off you know you may not be able to finance a bike let alone a house but you know nonetheless some of these new products they will look at your bank statements look at your revenue instead of your tax returns
super cool so they go off the revenue and not your net or a profit and loss where you write like hey this is my revenue these are my expenses this is my profit but what's different about years past is you have to typically put down at least 20% so there's equity this isn't max financing you that's a big you know caveat for clients you need 20 25% down No. 1 and No. 2 they do look at your credit profile it's a little bit more stringent up typically minimal
credit scores for these options are in the 6 80 700 range or higher they want to see you have a lot of post closing liquidity what's that mean if you close you have money left to your name say your mortgage payments 5,000 12 months of that is 60,000 they want to see 60 grand of cash left over for a rainy day so the reason the crash and all that stuff won't happen again is No. 1 equity positions are higher people are putting more money down No. 2
the credit profiles are way better and more so No. 3 these are fixed rate mortgages typically not adjustables no concern of the payment changing alright thank you um thank you really for for explaining that because sometimes you hear and you see on social media things people's like oh my God the liar loans are back and and oh my God everything's gonna crash so I I I was hoping you would answer it the way that you answered it because it it it showcases that that it's not the same thing
it is something creative it's good it's it gives you if you're in a more complex financial situation that banks don't perhaps understand it gives you the ability to to get properties that perhaps otherwise you wouldn't be able to get um but if you're in a high liquidity high liquidity and high credit situation but perhaps the business is all that just it just doesn't make sense to some of the owners and if you're an entrepreneur you know what I'm talking about if you have a W2 job
you're probably saying like what is Jack rambling right now because let me tell you when you have when you have um like for example 2024 my income tax return is gonna report zero income well that's not the reality right the reality is that we got a huge write off because of a multi family property that was hit by a Hurricane and that uh was the insurance company didn't pay so we we put a lot of money into this property which is all capital expenditures that you get to write off a good portion of
and that write off of that is ends up being more than my income for the year so as a result my income for 2024 is zero just with that if I go to bank of America now when we sell that property that money is gonna come back to me right so it's not like I lost the money you get to write it off a bunch of air conditions on the roof like 50 air conditions at $10,000 a pop is $500,000 things like that you talk about in brand new roof that's a capital expenditure kind of item
a bunch of kitchens and things like that well all of that flows through to us and offsets whatever income I've had and as a result my tax return says zero well my tax returns is zero and uh and and and a couple of other things but I got cash in the bank and I got an 800 credit score I probably would qualify for one of these things but I definitely won't qualify at bank of America well think about it Jack I'll give you an example say you had a million dollars just lying around
and you had to give it to one of two people who would you rather give it to person number one they're putting three and a half percent down on the purchase it's not their money it's their parents they've never saved they just graduated college six months ago they're newly on the job and their credit score is a 5 90 never paid rent buying a million dollar house max financing you know you're gonna lend the money or would you rather lend it to someone who's an entrepreneur self employed
owns their business for five years to your point shows $0 maybe even a loss but you have 12 months of their bank statements and you see every month 50,000 revenue comes in every month 50,000 revenue and they're putting down 25% all their own money and they have a year of mortgage payments left over in the bank for a rainy day but they're getting a million dollars from you which of those two would you rather get your money on the street with absolutely that's it's not a question
it's the second one it's a much much stronger position from a lender point of view yeah and that's the position of Wall Street with these mortgages where they have equity they have credit profile they have revenue coming in now of course they're not checking income in the more conservative typical fashion but that's what you're working with now the crazy thing is that first person the rate for them today is six and a quarter the rate for the second person who to me be if my money
I would do the same thing is seven and a quarter that first person gets a better interest rate and why is that cause you get the big government stamp on the box right so if you do an FHA mortgage you know rates are in 30 year fix range that's what they are they're in the low sixes but that hits the sweet spot of the FHA guidelines and FHA interest rates are typically a little bit better than conventional rates which are now in like the low to mid sixes where you know these non QM
these bank statement program loans are typically half a percent to one percent higher so if for my money I'm going with the person to all day long to your point but that's the funny thing person number one gets a better interest rate wow shows you the craziness of the financial market sometimes so uh how did you get into this I had a really weird dream and then I woke up and I was a mortgage guy no so um I actually have a master's in psychology you know I was more into the psych side
um I got into right at the crash into mortgage believe it or not um I did one subprime loan in my career just one it's pretty cool just did one and ever since the business you know there was that crash 0 7 0 8 it's always been more difficult but to me I just love the journey of a purchase client it's very psychological it's very counseling as you know you hold their hand they're super anxious they've never done it you know they are all you start throwing acronyms and things
they start getting you know anxiety so I just love the journey of a new client and then seeing them to the end to the closing it's just really exciting to me and ironically make a good living doing it so I started at a couple places I was a salesperson there decided in 2,015 16 to go into business for myself become an entrepreneur everyone said I would fail I have a huge problem when someone says that I can't do something I have to prove them wrong so you know
I applied for my mortgage license got in 17 we started me and only a couple people fast forward we've won broker of the year in the country a couple times you know three years in a row ink 5,000 fast is growing so and we're not done yet folks but I could tell you entrepreneurship is definitely for me wonderful and I can tell that you have the right traits because I see that sign on your on your wall with the iceberg uh and uh where the tip is the success and you can't see the full thing
but it's okay I see it but you for it yeah and it has and it below it's like like uh like late nights rejection sacrifice discipline criticism doubts failure risk it's all the things under the surface that nobody sees about entrepreneurship yeah I saw a quote the other day it says like entrepreneurship is hard entrepreneurs know that entrepreneurship is hard but then it's even harder than that like something like that literally and it's true it is it is hard anything you start because there's
there's no employer rescuing you anymore and and and so um what did you do to to become entrepreneur uh broker of the year and and and do all these things like how did you grow your business so um so successful like how um how yeah what what like you you have a master's in psychology which helps you be be hopefully like I expect more like a psychology expert more like empathy and things and understanding which right right makes sense that you love bringing people to the journey
cause the journey is an emotional roller coaster like life is and with an with a psychological and the master of psychology you're trained in that but that doesn't translate into business skill automatically so how did you build your business in a way that's successful do you have mentors did you follow a model did you just trail blaze it gotta just wing it in this life you know but no so I'm the type of person like I said if I put my mind to something
I'm I'm always gonna succeed at it and find a way so you know opening the company was it was a super great experience but to me it's always what's your strategy what's your business plan you know my everyone all of us have these acronyms right add OCD God knows what we all have but you know I obsessed over for me to be successful what would it take what would it look like what's the thing I had to do I planned it out I thought about it I thought about it and that was one of the big keys
you know one of them as an entrepreneur I kept you know if we're hitting the entrepreneur you know dopamine you know thing right now it's I kept my fixed costs down that's I think important for new entrepreneur you know some come out Jack and they have you know an amazing space a bloated you know rent that they're doing cause they have to have a cool place in the middle of the cool spot the middle of the cool town um I kept my fixed cost very low I invested in tech
I had all the cool toys but I also did the non negotiable things that weren't all that important I didn't necessarily buy into those which again is really most people come out with a very expensive rent lease you know so by doing that I definitely position myself for success from a financial perspective and I feel like our business plan you know our strategy to get clients and customers was phenomenal you know I've always been a realtor centric company no matter what happens even a pandemic
people will buy houses I wasn't using internet leads it was word of mouth but it was mostly realtors so we created a great mouse trap to entice agents to work with us because we kick butt on the mortgage side we're super communicative we have great rates we reach out you know we build relationships with agents over and over and over again and deliver great service and that was the key to my growth just sticking to the plan you know having a great plan and just executing day in
day out it's the whole thing as an entrepreneur it's it's motivation versus discipline have you ever heard that that whole motivation versus discipline so the whole motivation is cool but it's the discipline to do it when no one's looking when it's annoying when you're tired when you're you know youngest of two daughters wakes you up she had a nightmare and now you're shot you know that's something where I just have that bug you know I have that chip on my shoulder and I'm super disciplined
wow so um that's impressive um were you always a disciplined person cause again I'm a coach so I mean part of what we do is coach I don't personally coach anymore but we have a coaching company and I for years and years I coached myself and the biggest difference between people that are ultimately successful and people are not ultimately successful as I find is can they stick it through uh versus exactly is that motivation motivation versus discipline motivation is like deodorant
you need it every day uh discipline is like that the difference between running 100 hundred hundred yard Marathon like 100 meter race or a Marathon right so and the Marathon you just walk you just go and go and go you will go much slower but you don't just go to like run and stop run and stop you just keep chipping away they come rain or shine and where does this come from uh have you always had that or is that is that something you Learned yeah I think discipline
has a little bit to do with confidence as well you know why do you stay the course when the chips are down you know when the cards are stacked against you why do you keep at it go to sleep wake up you know do the same thing throw on your same you know suit and uh and and keep at it just I know when I put my mind to something and I'm confident in the plan like listen we're all human things happen the market's crazy you know this that the third may get in your way
but I just know I'm the type of person if something gets in my way I'm gonna find a way to get around it and I'm just confident in myself that when I put my mind to something I'll succeed I've had plenty of it I mean right when I rolled out I did something wrong with the space that I leased I won a 10,000 dollar grant for like this come up award was a huge honor won 10 thousand when I first started I took that money and put it into a space to lease and it turns out I did it the wrong way
so I couldn't lease that space and I burned 12,000 right out of the gate so I do learn things the hard way at times track I'm one of those people you know I don't know if if you have kids it's like do they learn it the easy way or the hard way I'm the hard way guy but I also like figuring things out myself but I just have the confidence I know that no matter what happens in our business something might happen with a client or with an interest rate
or they potentially entertain using somebody else like things happen that's outside of your control you just have to have the confidence and the discipline to kind of keep at it but that's just always been me and when I put my mind to something no matter what happens I'm gonna keep at it hmm okay uh and so so I guess this in okay let's let's let that that makes sense you you're just that person so like if if if if you have a really bad day what do you say to yourself
in order to not have that bad day to get back out of that that hole alright listen we all ruminate you know I just I've done this long enough to know it's in the back of my mind I surround myself with great people that like listen Andrew you're gonna get to the end goal and you're gonna get there in one of two ways way a you stress yourself out you're frustrated you're pissed you go home and have an extra glass of wine maybe you order delivery Chinese food I don't know kids are crazy these days
or you take path No. 2 which is you're gonna figure it out nothing happens in this industry that you've never seen and you take it with Grace and class and gratitude and that's a recent thing for me you know I've recently rolled out that whole methodology but I just know no matter what happens it's gonna work out it's just a lot of people in this life you know and I coach same thing with my team you know we're gonna get there it's just you wanna enjoy the journey or do you wanna be stressed out
frustrated with bad habits you know I just it's happened enough over time that I always seem to get us there that I just take it with Grace and gratitude because I know the journey is everything love that particularly you you are able to tap back into past experiences where it has worked out that you just said a key sentence I think it happened enough in the past that I know I can do it again essentially right so um so that's that's a great thing that's a great
great kind of a ha moment for for for many hopefully for many people like for you as you go through there's like that's another thing I've not something I haven't seen before let's go through this one more thing and I think over time that's becomes a real strength for an entrepreneur I agree with you on that so now um tell us about like how big is your team now our team is definitely big and growing I feel like the company is around 40 now you know we have a big venture right now
we're looking to compete with the biggest teams in the country do a billion dollars in production you know a billion dollars in funded business so you know we're expanding to more states we specialize in New York I think that's a benefit because New York and mortgage is typically one of the most difficult if not the most difficult to broil pain in the butt attorney states closings are kind of all over the place from a timing perspective so we're bringing the same zest
grit and grind and super caffeinated you know vibe to other states and they're loving it so far so that's really been our our big mission so our team is growing it's the right people we don't just open the doors and hire everybody culture is super important I'm sure you can empathize one wrong person in the right seat can destroy your company let alone culture so we're growing the right way but that's really our big focus is growing with the right people but also the right mission
the mission is you know move over you know some of you big producers out there you know here comes RCG I can tell you that alright good well I like that I like the confidence there but then how do you sustain that without burning out uh it's a great question so for me you know the whole body business balance being you know some of that stuff I when I was young probably a little more hair I'm a little less white so my kids say I look like Santa when this grows out
um shout out Danielle and Gabriella my two little blondies so um for me I feel I made a mistake dropped the ball putting work first meaning like say me and you Jack are on the team right we're like cool all this stuff's going on I'm gonna wake up at 4 meet you at the diner at 4:30 we're gonna crush some omelettes and some coffee get to the office 5:00am and just like and I've done that I made a mistake cause I sacrificed the body side meaning I wasn't going to the gym
getting my mind right you know getting my workouts in so I've actually reversed it I wake up very early I kind of get my mind right with some reading and some journaling and all that good stuff I really bought into that stuff and I go to the gym you know I'm a I like to weight lift you know do some of that cardio stuff but that's how I don't burn out is I make sure that my body and my mind is right because otherwise I'm a big caffeine guy you know the energy drinks
if you don't go to the gym and do all the stuff and eat right it affects you at work so instead of focusing on the work side I focus on my body my balance you know some of my diets of me just not eating crap you know I grew up eating Chinese food at McDonald's so obviously we can't do that and by doing that I find I have more energy at work and I don't have burnout issues and I sleep better so it's almost the opposite first for entrepreneurs say oh my god I have a startup company
I have to put in 23 hours of the day it's not the case focus on getting your mind and your body right and the rest is easy and I just recently Learned that and that's how I make sure I avoid burnout very cool very cool uh I like that that's something I'm still struggling with myself I'm I'm just not a morning person so so I I like to sleep in and uh and then I get my daughter ready and by the time that's ready it's 8:00am and uh and but I I have lately I've taken the time
even between 7:30 when she leaves and 8:30 and just like get my mind at least my mind right I still need to get the body fit but the mind is right so to me the morning routine is not the morning routine not not that I'm giving you you know nuggets here but it's the night routine so for me I can succeed and crush the morning if my night routine is good lay out my clothes don't eat late I try to avoid wine at all cost now even though obviously you know
there's nothing wrong with a glass here and there and for me I have to go to bed early it stinks in my 20s I'm in my 40s now in my 20s I was cool I was a night owl I was up I was dancing living the dream but for me I have to unwind early I don't see the No. 10 I typically see the No. 9 when I try to go to sleep that is hard that is not fun there's no Netflix chilling there's no death doom scrolling it's if I can go to shut my eyes in the nines a 4 to 5:00am wake up is good
if not I'm just like you there's no Kryptonite is or my sleep is my Kryptonite there's no shot I can wake up early so for me it starts with the night and it's hard yeah that's like that's the other day I heard I said somebody's I heard somebody say that all the thing that was a penalty when we were teenagers is now something we thrive for go to bed early um like not like put the phone away uh things like that the exact opposite that's the exact turn off the TV this is all things we're like yeah
let's let's do this and let's just go to sleep so I'm with you on that I'm with you on that um great so now one last question is um who is your perfect customer who do you cater to what what like who are the people that if somebody wants to work with you like what is kind of a good situation for them to have for the for for them to fit with to fit your profile yeah that's a great question so for the consumer we work with consumers that are buying you know
move up buyers buying residential properties typically you know one to four families condos co op we work with investors that's part of the magic non qm loan we were talking about you know people buying multiple properties investors you know flippers things of the sort that's our ideal consumer someone that wants to work with the highly skilled ninjas of the world at a discount that's what we offer and we're in a little less than 20 states you know some of the largest states in the country
also our our customer is a realtor right now we're seeing a huge gap in the marketplace for great loan officers great sales people in mortgage so realtors are our customer because of course they're referring us our clients so we cater to everything that a realtor looks for we help them grow their business with coaching and strategies our communication is stellar because at the end of the day if you're an agent and you're showing properties and the mortgage guy fails
guess what it was all for nothing you know the client's gonna have a bad experience might get some bad reviews and get you might not be able to feed your family you know make your commission check so as much as the consumer client is something that's important to us the realtor is just as important wonderful yeah and I agree that's a multiplier that's probably how you amongst others grow your business significantly by as you mentioned earlier by having a really good package for the realtor
instead of you having to find customer after customer you find the multipliers that have 35 customers a year and or 50 customers a year and they bring you their business you're easy to work with the price are really good a good strategy great so how can people get a hold of you if somebody wants to get in touch with you and find out which which markets you're dealing with which markets you're operating with um if somebody wants to work with a ninja set a discount how can I get a hold of you
yeah so you know I do a ton of electric social media content on the gram and on TikTok it's at I am Andrew Russell 2 SS two ls that's where you can find us on social RCG mortgage.com you know that's my company and that's the best spot but mortgage guys right wrong are different we're like on call doctors the expectation is that we're available so reach out we're huge with education and we love working with both the realtor and client alike alright wonderful well with that said guys
go check it out it's like I give us give us the Instagram handle again I am Andrew I am Andrew Russell 2 SS's 2 LS baby there we go Andrew Russell I am Andrew Russell 2 SS's 2 LS go check it out I'll definitely be following you so with that said that concludes our episode as always give us that 5 star review share it with your friends contact Andrew Russell um play fallout have fun and thank you very much for being on the show with me thank you