How Entrepreneurs Can Become Work Optional with Phil & Trish Calandra

Are you growing your business and making more money, but still wondering if you’re building the wealth and freedom you want? In this episode, Chris and I sit down with Phil and Trish Calandra, CEO and Co-Founder of TruWealth Advisors, to talk about the difference between generating revenue and building long-term wealth. They break down the “revenue trap,” why having multiple financial experts doesn’t always mean you have a unified strategy, and how entrepreneurs can create a clearer path toward their personal wealth freedom number. We also talk about the money stories that can shape your financial decisions, why women entrepreneurs can put their own wealth goals last, and what it means to become work optional. Tune in to learn how you can make your business work toward the freedom you want. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Monarch Money - Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit http://northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Fabric - Join the thousands of parents who trust Fabric to help protect their family. Apply today in just minutes at http://meetfabric.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to http://livemomentous.com and use code EARN for up to 35% off your entire first order. Brevo - Meet Brevo…the all-in-one marketing and CRM platform built to help you connect with customers, boost engagement, and grow your business smarter. Get started for free today—or use code HAPPY50 to save 50% on Starter and Standard Plans for the first three months of an annual subscription. Just head to http://www.brevo.com/happy HIGHLIGHTS 00:00 Why making more money doesn’t always mean building more wealth. 02:45 The lesson Phil learned from having just $0.08 in his business account. 06:00 The decision that pushed Trish to take a major career risk and move to Atlanta. 09:45 What is the “revenue trap” and why does it keep entrepreneurs stuck? 15:00 What is your “wealth freedom number”? 22:30 The financial savings that come from having a coordinated strategy. 24:00 Why women entrepreneurs often put their own wealth goals last. 25:30 How time makes compounding work in your favor. 28:15 How your money story influences your financial decisions. 35:00 What should parents teach their kids about money? 38:00 The lesson Phil learned from his grandfather about finding a financial advantage. 40:00 What does it really mean to be “work optional”? 42:45 What financial levers can help you move toward work-optional freedom? 45:15 How the Wealth Creation Scorecard can help you identify financial gaps. 49:30 Can your financial situation be fixed if you’ve made major money mistakes? 53:45 Why the best time to start building wealth is now. RESOURCES Take the Wealth Creation Scorecard HERE! Find your Wealth Freedom Number HERE! Learn more about the Wealth Ascension System HERE! Learn more about Loop at loriharder.com/loop Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow Chris: @chriswharder Follow glōci: @getgloci Follow Trish: @trishcalandra1 Follow Phil: @philcalandra1

• 0:01Speaker 00

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• 0:45Speaker 00

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• 2:44Speaker 00

  Trish, you work specifically with female entrepreneurs. How do you see that they experience the wealth gap or everything that we're talking about? Is it different?

• 2:54Speaker 01

  Women are built beautifully differently. You put everyone else first, you put your business first, your clients first, your family first. That becomes true with building your personal wealth because you you move the milestone out. I'll do it next year. I'll do it next quarter. I'll deal with it then after I get this next launch.

• 3:14Speaker 02

  All the while that you're trying to gain more, you're losing the most valuable asset.

• 3:21Speaker 03

  Which is time.

• 3:22Speaker 02

  100%.

• 3:23Speaker 03

  And time is what makes compounding compound.

• 3:25Speaker 02

  That's right.

• 3:25Speaker 01

  And that's the big secret. It's the compounding.

• 3:34Speaker 00

  Phil and Trish, welcome to the podcast. You are officially on the Earn Your Happy Podcast and the Chris Harder Show.

• 3:41Speaker 03

  Yes, welcome guys. Good to be with you.

• 3:43Speaker 01

  So happy to be here.

• 3:44Speaker 00

  I'm so excited you're here. I know we've been waiting to do this for a little while. And we'll dig into that. So it's so fun to have you in here. And you guys are some of Chris and I's absolute favorite people. You are so much fun. You're extraordinary humans. You inspire us. We've gotten to have the honor of not only being friends with you, but also having you in the room of our masterminds. And what's been really cool about seeing you, not only in the friendship realm, but also when you get in a room of a bunch of entrepreneurs is so many people end up being obsessed with you because of all the value that you offer. And truly, whenever we ask who some of the most impactful people every single year is, it's always you guys.

• 4:28Speaker 00

  And they always say Phil and Trish changed our lives. So that's why this conversation today, if you guys can really understand what they do and listen to how this can impact you, this is also has the opportunity to change your life. So we're excited to dig in with you guys.

• 4:44Speaker 03

  Yeah, thank you so much. Let me frame this a little bit further, just so people can really understand. As of today, you guys have had two exits, meaning you sold two companies. You're what I call post economic, meaning you don't have to work, you choose to work. And we're even going to get into that a little bit later. You've got a term for it that I like even better. But it wasn't always that way. There was a moment, and this is why you work with entrepreneurs now, and Phil, I'm going to direct this at you to begin with. There's a moment where you were a credentialed financial expert, meaning you had, you passed all the licenses and all that stuff. So supposedly you were the expert. But then you running a business, you only had eight cents in your business account. Yeah. What did that feel like being quote unquote, a financial expert,

• 5:27Speaker 03

  but waking up that day only having eight cents in your business account?

• 5:32Speaker 02

  Yeah, well, first, it took me a long time to be able to talk about it. Cause I was ashamed as a financial professional, probably had more knowledge than most people in the room. And it was March 2009 during the great financial crisis. And everything was just a mess, as you, as you well know, because you went through something similar in the bank.

• 5:55Speaker 03

  That was our reset point.

• 5:57Speaker 02

  And I sat at my desk at the end of the day and my face just fell into my hands. I was in tears. I had eight cents in the business account. The payroll was due the next morning. The bigger punch was my mother worked for me at the time. She had retired from a brilliant career, but she worked my front desk. And her name was the first name on the payroll list.

• 6:24Speaker 02

  And I was in tears. I said, I don't know how I got to this point without sharing a lot of financial data. I was already a seven figure entrepreneur.

• 6:34Speaker 03

  Yeah.

• 6:35Speaker 02

  The financial crisis did a lot of damage to a lot of people, but in particular as a financial advisor in that time was very, very hard. And I sat there and I just prayed and I said, if I can get out of this mess, I will never allow this to happen again. And now we sit here today with a book, the course, the new firm, on a mission. It was information I didn't have that I have now that I can give to others. And that's why we're on this journey.

• 7:09Speaker 03

  It's an amazing story that, you know, you're vulnerable enough to share. What do you think changed for you from that day forward? Because a lot of people can hear this, seven figure entrepreneur and quote unquote, an expert in whatever field. In your case, it was finances and they have no money in their operating account and they have shame. What do you think switched for you?

• 7:26Speaker 02

  So it really stems to a structural problem. And that's the pattern. Most entrepreneur, business owners go through the same type of struggle. When you have a successful business, seven figures, you know, 2 million, 5 million, 10 million, you have this financial ecosystem like none other that we're trained to deal with. So for the first time, somebody has a bookkeeper, they have a CPA, they have a financial advisor. Maybe they have a fractional CFO where the, whatever the hell that is. They have all these people and they're good people. They're specialists in a specialist model. But that doesn't work for the business owner.

• 8:11Speaker 02

  And so our mission is to impact the business owner by coordinating, unifying the tax strategy. Not just the tax filing, the tax strategy, the cash flow like a CFO does. And then why do we do all this? Why are we entrepreneurs to begin with? It's not to create a job. It's to create financial independence and freedom. We call it the wealth freedom number. Everybody has it.

• 8:36Speaker 03

  Love it.

• 8:37Speaker 00

  Okay, so Trish, in 2012, you packed up your life from Chicago and then you moved to Atlanta. And you were essentially betting on a firm and a man that you believed in. And most people would never take that kind of risk. And honestly, we share a common home area, which is the Midwest. And I never saw people taking risks like that ever back there. It was very much like, are you insane? What made you take that gamble?

• 9:09Speaker 01

  So like you, I grew up in the Midwest. I grew up in Green Bay, Wisconsin.

• 9:13Speaker 03

  Yes, go Packers.

• 9:14Speaker 01

  Go Pack. I still am a Packer fan.

• 9:17Speaker 01

  So I grew up in a household that didn't have much money. And there were a lot of problems around that money. And there was a lot of tension in our household. And what that did was it ingrained in my sister and I, a scarcity mindset. And so that was deep in our household. And like you said, the Midwest has a different mindset. There aren't, I mean, there are big thinkers, but you work hard.

• 9:48Speaker 03

  They tend to move to Atlanta, California, New York.

• 9:52Speaker 01

  But so I grew up around all of that tension. And so I had to flip that script for myself and I did. So I got licensed, I got five financial license, I got educated, I got three degrees. I had to flip that for myself. And I found a book called Think and Grow Rich by Napoleon Hill. I've read that probably five times by now. And so I flipped the script, the script from scarcity to abundance. And I created my own career in the financial sphere. And when I lived in Chicago, I actually got fired from a job. And so I was unemployed and looking for other positions in Chicago, but Chicago is a financial.

• 10:37Speaker 03

  Hub.

• 10:38Speaker 01

  Yeah, a hub. And so I could have gotten any number of jobs in Chicago, but I had met Phil at one of, at the job I got fired from actually. And so I met Phil and so I knew he had a vision. And I knew him professionally only. We did not have a personal relationship. So I was living in Chicago.

• 10:59Speaker 03

  Call bullshit on that.

• 11:02Speaker 01

  No, seriously. For many years, it was purely professional, but I knew he had a vision. And if you know Phil for five minutes, his visions are big. His dreams are big and he's brilliant. And so I didn't know anyone in Atlanta except for Phil and this vision. But I've always been very convicted in my gut feeling.

• 11:25Speaker 02

  So I moved.

• 11:26Speaker 00

  Wow.

• 11:26Speaker 02

  Took the chance.

• 11:27Speaker 03

  And it panned out. You got more than a job. You got a marriage.

• 11:30Speaker 02

  Got a husband.

• 11:31Speaker 03

  I love it. That's very cool. That's one of those stories with the way you hope it turns out, right?

• 11:36Speaker 02

  But I had no idea I'd end up with a husband.

• 11:39Speaker 03

  Oh, that's the best.

• 11:40Speaker 00

  But also, that also speaks so much to the power of someone with a vision, like really giving it life and speaking into it. Because it sounds like you spoke so much into it that she got on board pretty easily. Like, wow, that just shows that when you give more faith to the vision, like that is when everybody gets enrolled and that's when it starts to grow. So you were like one of the first.

• 12:02Speaker 02

  Yeah, absolutely.

• 12:03Speaker 00

  People to really help with that.

• 12:04Speaker 02

  Yeah, absolutely. And it was just the two of us for a long time quietly building. And then obviously it worked.

• 12:13Speaker 03

  Yeah, it worked and then some. Okay, so I want to kind of frame this for the people, you know, the majority of people listening, a lot of them are small business owners, solopreneurs, entrepreneurs. And they get caught up in something that you call the revenue trap. And I really just want to paint the picture quick. Business owners seem so good at marketing or so good at design or so good at sales or so good at these few things. But then when it comes to personal finance and business finance, they don't spend any time getting good at it. And they end up in this damn revenue trap. Can you unpack that for us?

• 12:49Speaker 02

  Yeah, so the revenue trap happens because we're playing two games. As an entrepreneur, founder, business owner. There's the income game or the revenue game and there's the wealth game. They're two totally different games, but what are the rules? Really, there are no rules. So if there are no rules to the game, it's like playing tic-tac-toe. I had twin sons, they're adults now. We'd go out to dinner and we didn't have, they didn't have phones in their hands back then. So we would bring paper and crayons everywhere we went, just in case the restaurant didn't provide them, which they probably don't even do that anymore. And so we're passing time and we'd play tic-tac-toe. Well, what are the rules of tic-tac-toe?

• 13:35Speaker 02

  Tic-tac-toe, three in a row, X's and O's, and I would go first. If you play a game of tic-tac-toe, the person that goes first takes which square?

• 13:46Speaker 03

  I don't even know what the strategy is.

• 13:48Speaker 02

  The middle. If you go first and you take the first square, you're almost guaranteed a hundred percent of the time to have a cat.

• 13:55Speaker 03

  Okay.

• 13:56Speaker 02

  A tie.

• 13:56Speaker 03

  Yep.

• 13:57Speaker 02

  So we would play, we'd play and Kyle and Davis would lose and they'd lose until they figured out, they said, Daddy, we want to go first. So no, no, no, boys. Dad goes first. Once they figured out the game, which doesn't really have rules.

• 14:11Speaker 03

  Yeah.

• 14:12Speaker 00

  Right.

• 14:12Speaker 03

  Yep.

• 14:13Speaker 02

  They could win the game. Same thing with money. So the revenue trap is this fixation for us to, what is society talking about? We're talking about seven-figure entrepreneurs.

• 14:24Speaker 03

  Top line revenue.

• 14:25Speaker 02

  Right? And it's, it doesn't really matter if you can build the revenue. And I would say income or revenue will make you rich. But it won't make you wealthy and it won't make you free.

• 14:38Speaker 03

  Yeah.

• 14:39Speaker 02

  And it won't give you flexibility. So the revenue trap is just this idea. It's the pattern that people get sucked into. They think I just need more revenue. I say, wait a minute. Before you spend more money to generate more revenue, there's got to be a plan to extract the money. That's what I learned. I didn't have any way in my business prior to 2009 to extract the success that I was having.

• 15:03Speaker 03

  You had a way, you just didn't have the knowledge to do it.

• 15:06Speaker 02

  And then lifestyle creeps.

• 15:07Speaker 03

  Yeah.

• 15:08Speaker 02

  I wasn't placing investments. I didn't have work optionality. I didn't have the type of business that I really set out to have. The business should be the generator. We call it generate, keep and multiply. The business is the fuel.

• 15:25Speaker 03

  Yeah.

• 15:26Speaker 02

  Business will not make you wealthy.

• 15:29Speaker 03

  I really want to unpack this so that people understand this two separate games that they're playing.

• 15:33Speaker 02

  Yes.

• 15:34Speaker 03

  We have fallen into that ideal of, oh, you just make the business bigger and you'll get richer.

• 15:38Speaker 02

  Yeah.

• 15:38Speaker 03

  And then we learn quickly, oh, that's not the case. It just means you have more employees and more advertising, more overhead. And, and it's a game you almost can't win.

• 15:46Speaker 02

  Yeah.

• 15:46Speaker 03

  Until you learn how to extract the right amount at the right time and the right ways and then go multiply it, like you said.

• 15:54Speaker 02

  Yeah.

• 15:54Speaker 03

  Yet almost everybody listening, I guarantee they're under the impression that I just need to, you know, cross this number in my business. I just need this launch to go right. I just need whatever. And they think that's going to make them wealthy. That's it.

• 16:07Speaker 02

  And it doesn't work that way for most people. The pattern repeats and that's the revenue trap.

• 16:14Speaker 00

  Okay, so you guys work with founders who are making a million dollars, some five million, some 20 million dollars a year. And most of them don't know what they're worth. Tell me about that. How is that possible?

• 16:27Speaker 02

  It's possible because there isn't anybody that's coordinating or unifying all of these fragmented, like I mentioned, CPA, financial advisor, business coach. If you don't have somebody that's coordinating or unifying, what you end up with this is this fragmentation. So they don't really know what they have. They're not even looking at the business structure properly. They might have a fractional CFO, they might have a CPA that guides them, but there's no connectivity.

• 16:58Speaker 00

  Like they don't talk to each other.

• 17:00Speaker 02

  Right. They don't talk to one another and then they think they're getting, I can't tell you how many times I've been in a meeting or talking with successful people. Just amazing. And they think, well, I think my CPA is doing that. Or I think my, I think my CFO is doing that. Like, well, is there no clearer picture? And to me, it was always about the personal net worth. That's why, that's why I took all the risk. That's why the entrepreneur does that.

• 17:27Speaker 03

  Yeah.

• 17:28Speaker 02

  To, to provide something more. So a lot of people just don't know what their real number is. We call it the wealth freedom number. And the wealth freedom number is that sum of money. Where if you don't go to the office or you do go to the office or you choose to work or you don't choose to work. Our lifestyle continues. We can do the things that are important to us.

• 17:52Speaker 00

  And where, and for people listening who don't fully understand what you're saying, where is that sum of money being held at? Like where, what are you?

• 18:01Speaker 02

  It's different for every person. You know, I always say we made our fortune helping other people make their fortune, mainly in financial planning and investment management. I love real estate. It could be private equity. It could be investing in other business. It could be startup. We've worked together on startups. So there's not one answer to where the money should go.

• 18:24Speaker 00

  Yeah.

• 18:25Speaker 02

  And I'll tell you a quick story because this just happened recently. I'm working with a founder who has $3 million sitting in a checking account.

• 18:36Speaker 03

  That's wild.

• 18:36Speaker 02

  What's your initial reaction is like?

• 18:38Speaker 00

  I'm scared for them.

• 18:39Speaker 02

  And I asked him, I said, you know, why do you have 3 million sitting in checking? He said, I just don't know what to do. I said, I said, explain that. He said, well, I have a realtor. He's telling me I should be buying blah, blah, blah, blah.

• 18:53Speaker 03

  Of course he is.

• 18:53Speaker 02

  I have an advisor. It's telling me it should all go into SpaceX or Bitcoin. I have another person that's telling me I should put it all back in my business. Isn't, you see the problem there?

• 19:03Speaker 03

  Yeah.

• 19:04Speaker 02

  And I, my response was, I said, congratulations. I'm glad you have 3 million sitting in checking. Because you didn't make a dumb decision. Let's unpack this. Let's get to 36,000 feet. Tell me where you really want to go. Little red arrow, you are here. You want to go there. Now we can build a unified, what we call a unified wealth plan around it. And so now we're slowly, he's a little reluctant, but I'd rather somebody have that position than a haphazard financial structure. And that's what a lot of people, the reason they don't know what they have is it's, it's all over. It's not coordinated.

• 19:44Speaker 03

  Trish, I know Lori has a question that she's dying to ask you, but before I just want to unpack this a tiny bit more. You mentioned, you kind of skimmed over it. Most people, if they're doing it quote unquote, right? They have a CPA and they have a tax advisor and then they have an accountant and bookkeeper and they might have a fractional CFO. And they're paying all of these people money and they're paying all these people retainers and they're still leaving on an average, because you've shown me the average savings, you know, based on clients. An average of 60 to $110,000 a year.

• 20:14Speaker 02

  Correct.

• 20:15Speaker 03

  Worth of low hanging fruit that they're not taking advantage of, even though they have all these quote unquote experts. You guys basically take over what all the experts are doing. So it's cheaper, not only to pay you instead of paying all these individuals who are not working together. But then you actually get better results to the tune of an average of 60 to $110,000 a year per client.

• 20:38Speaker 02

  Right.

• 20:38Speaker 03

  How, how's that, how can you do this cheaper than all these experts and get, grasp all this low hanging fruit that the experts are missing out on?

• 20:46Speaker 02

  Well, I don't want to imply that the specialists that people work with are not good. These are good people.

• 20:51Speaker 03

  I've met some not good ones.

• 20:53Speaker 02

  Okay, fair enough.

• 20:55Speaker 03

  Should we name them?

• 20:57Speaker 02

  Maybe not. But you're right. So the reason that you can have that geometric gain, it's like compound interest. Simple interest is flimsy. Compound interest is the eighth wonder of the world. So it's the same thing. If we can coordinate, Trish uses the analogy of an air traffic controller. If we got out to John Wayne Airport and we were getting on the flight from here back to Atlanta. God love the air traffic controller.

• 21:26Speaker 03

  Oh, yeah.

• 21:26Speaker 02

  They can see all the planes in the air and they can help navigate my pilot.

• 21:32Speaker 02

  Another analogy, if we were going to Symphony Hall tonight and you had the string section and the percussion section and the trumpet brass section. They all were reading different music and there was no conductor up front. That's going to sound like hell. Same thing. And it's not that people don't understand this. It's not the rules of the game.

• 21:59Speaker 03

  Yep.

• 21:59Speaker 02

  Entrepreneurs and founders have never been shown this because the vast majority of financial guidance is geared towards who? It's not for you. It's not for me. It's never been entrepreneur centric. It was always siloed.

• 22:13Speaker 03

  Yep.

• 22:13Speaker 02

  And we think that this is the way, our way to make a bigger impact by coordinating it and unifying in a way that we close those gaps. If you just close the holes in a bucket, the more water you pour in, the faster it fills up.

• 22:28Speaker 03

  It is the way. Like I'll just be on record saying it is the way. So many of our friends are your clients. You've helped us with so many things. Once you have that air traffic controller to coordinate the pilots, it's a game changer. You realize, oh, they weren't communicating and the planes are about to crash until somebody starts to guide them. It's fantastic.

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• 26:52Speaker 00

  And a lot of times, you know, as a founder, you're so busy in your role, and your role is, you know, probably the most important role, which is bringing in the money. And like, that is what you play every day, and that takes all that you have. That sometimes it's like there's this little thought in the back of your head that you know there's things that you don't know. And you want to know, but you don't even know what to ask sometimes. Like, and even when you do ask, because they're all not communicating, you don't get clear answers. That's right. Because I have fully been in that situation where I'm just like, one, I don't know what to ask. Now that I think I know what to ask, it's like disjointed, and there's pieces all over, and it's getting them all together.

• 27:32Speaker 00

  Now you've created a second job for yourself as the founder of being now the maestro for this group, which is going to be too much for you. You know, it's just, it's a lot to coordinate while doing the other jobs that are all required.

• 27:45Speaker 03

  Add to that in an area you were never educated in.

• 27:46Speaker 02

  It's really another, it's another bottleneck.

• 27:48Speaker 00

  It makes you the bottleneck. Absolutely. You are the bottleneck.

• 27:51Speaker 02

  The other reality is trust.

• 27:53Speaker 00

  Yep.

• 27:54Speaker 02

  You have to know, like, and trust the people you're getting guidance and advice from. And our model is, you mentioned, retainer model. I grew up and lived, we both were licensed in a world that was fee-driven by the amount of money that we managed, an asset management model. But think about it, when does a realtor get paid?

• 28:17Speaker 03

  Once they create a sale.

• 28:18Speaker 02

  After the closing.

• 28:19Speaker 03

  Yep.

• 28:20Speaker 02

  You know, the fractional CFO is being engaged by a very narrow lane. So the commission issue, how are we getting compensated in this financial advice-giving world? And I think the retainer model is where the puck is moving. I think that there is, in my view, over the next 10, maybe shorter amount of time, the fee dilemma goes away. When you look at it that way. Who do you turn to, just like a sounding board, and say, hey, what do you think? And I don't have the answers to everything. Trish doesn't have the answers to everything, but guess what?

• 28:55Speaker 03

  You find them.

• 28:56Speaker 02

  Hell, yeah, we can find them.

• 28:57Speaker 03

  Yep.

• 28:57Speaker 02

  Because we have the expertise, the years.

• 29:00Speaker 00

  The resources.

• 29:01Speaker 02

  The resources.

• 29:02Speaker 00

  Right.

• 29:03Speaker 02

  And that would make it work for people.

• 29:05Speaker 00

  Okay, so Trish, you work specifically with female entrepreneurs. How do you see that they experience the wealth gap or everything that we're talking about? Is it different than men? Do you see it completely?

• 29:17Speaker 01

  It is different.

• 29:18Speaker 00

  Okay.

• 29:19Speaker 01

  It's very different. I think that women are built beautifully differently, very differently, as you know. I mean.

• 29:28Speaker 00

  Oh, we know.

• 29:29Speaker 01

  Love the men, love the men. I mean, and Phil and I work very differently, as you know, together, and we complement each other. Sometimes we go head to head. But female founders are brilliant, they're intentional, they work in their zone of genius. So do men. I mean, and like you were just saying, you become your own bottleneck. And with females, what I'm finding and have found for years and years and years, is that you put everyone else first, you put your business first, your clients first, your family first, your, your fitness first. You know, and your fitness actually comes pretty low sometimes because you're in the zone.

• 30:14Speaker 01

  And so that becomes true with building your personal wealth. Because you, you move the milestone out. I'll do it next year. I'll do it, I'll, I'll do it next quarter. I'll deal with it then. I will, after I get this next big launch, this next big, I'll, I'll, I'll write my book, then I will worry about it. But the problem is, you lose out on all of that time compounding.

• 30:41Speaker 03

  Yes.

• 30:41Speaker 01

  And that's the big secret. It's not a secret. It's the compounding.

• 30:47Speaker 03

  Can you explain that for those listening? A lot of people don't understand compounding and why it's powerful.

• 30:50Speaker 00

  I'm going to let him answer that because he explains it better with the compounding versus simple.

• 30:55Speaker 02

  Well, I mean, compounding just is geometric growth. And the time that you wait, because I think you said, you know, I think always I need more money. I need more, I need more. It's not enough. And all the while that you're trying to gain more, you're losing the most valuable asset.

• 31:16Speaker 03

  Which is time.

• 31:17Speaker 02

  100%.

• 31:18Speaker 03

  And time is what makes compounding compound.

• 31:20Speaker 02

  That's right. And so you have to, and this is counter-cultural. We live in a minute-by-minute, click-by-click.

• 31:29Speaker 00

  Need it now.

• 31:29Speaker 02

  24/7. They put the ticker symbol, why do you, they put that stupid thing scrolling across the bottom of the TV. We want it quicker. We want to accelerate. How many programs are called the accelerator? It's how do we get it faster? And the reality, true wealth, really generational impactful wealth, takes time. Old money never sells, and you can get lucky and make it, but you can't get lucky and keep it. And as soon as people understand that, compounding works for you instead of against you.

• 32:03Speaker 01

  So what I figured out with women, started with me. I had to give myself the permission to stop and start systematically saving. So it becomes the permission that.

• 32:18Speaker 01

  I get to do this. It's a deliberate decision to start building it and compounding it. And I wanted to be work optional. I wanted the freedom. And so it's a systematic plan to do that. It's a freedom that I wanted. So I have a lot of deep conversations with female founders. And it's all about their money story, like my money story from Green Bay. I have a whole money story that I can, I talk to women about and I really connect with them. And it brings a lot of emotion out. We do it with men, too. It's a lot harder to pull it out of men sometimes.

• 32:59Speaker 01

  But there are a lot of deep conversations because everyone has a money story. And it is emotional and everyone has one. And that's where it starts. But it's really about the permission to build it, to intentionally build it, give yourself the permission to

• 33:21Speaker 01

  be work optional, to build your own wealth.

• 33:23Speaker 03

  Yeah. Trish, you mentioned this money story. What's the most common money story you hear women share with you? Because the story dictates our moves. It dictates how we see money, dictates when we start saving, et cetera.

• 33:35Speaker 01

  A lot of times it's that money was never talked about. We weren't taught about money.

• 33:40Speaker 00

  No.

• 33:41Speaker 01

  Money was a shameful thing. A lot of people grew up that money was rich people are bad.

• 33:48Speaker 00

  Mm hmm.

• 33:49Speaker 01

  Rich people are evil.

• 33:50Speaker 03

  Greedy.

• 33:51Speaker 01

  Greedy, horrible, or there's never enough. The scarcity is a huge one and it's very emotional.

• 34:00Speaker 03

  Yeah.

• 34:00Speaker 01

  Money is very emotional and our job, we've always said, is to take the emotion out of the money. We are, we'll put it into black and white. We'll put it into a P and L. We will take the emotion out and we'll say, okay, here's a strategy. Here's how you can look at it so that you can be free. You can have work optional. You can hit your wealth freedom number. We've named it. We have naming conventions to put it logically and take the emotion out, to take the shame about, to use one of your favorite words, unapologetic. To be unapologetic about what you want. You don't have to apologize for wanting a hundred million dollars to, to want a million dollars. It doesn't matter what your number is. It's your number. It's personal to you and you don't have to apologize for it.

• 34:44Speaker 00

  Yeah. It's so interesting because money really is for so many people. It's like identity, worth.

• 34:50Speaker 01

  And it's not.

• 34:51Speaker 00

  Shame.

• 34:52Speaker 01

  It's neutral.

• 34:52Speaker 00

  And you're unpacking all of that.

• 34:54Speaker 01

  Yes, it's a lot. And a lot of times you have to have that conversation first, which is why we work together with almost every client in the beginning. And then we separate our roles because you have to unpack that first.

• 35:08Speaker 00

  Yep.

• 35:08Speaker 01

  To get over that hump.

• 35:09Speaker 00

  Totally.

• 35:10Speaker 01

  Um, a lot of our friends that we work with, we have to have those emotional conversations before we work with. They'll even sign on with us because they have to get past that hump of the emotions and they'll be like, okay, let's sign on.

• 35:24Speaker 00

  You have to know it's safe.

• 35:25Speaker 01

  Yes.

• 35:26Speaker 00

  Yeah.

• 35:26Speaker 03

  So the hardest part of what you guys do is not telling them what to do, getting them to actually get over the money story and do it?

• 35:32Speaker 01

  It's not that hard because we both have really deep money stories. They were, they were ingrained deeply, uh, early on in our childhoods. And we're very willing to share them.

• 35:45Speaker 03

  Yeah.

• 35:46Speaker 01

  Um, and so I think that makes people feel more comfortable to open up.

• 35:51Speaker 03

  As brief as you can, would you share yours?

• 35:53Speaker 01

  But it, yeah, sure. But sometimes it takes a while for someone to come to us and actually open up.

• 35:57Speaker 03

  Yeah.

• 35:57Speaker 01

  Even though they're friends with us or they've known us for years.

• 36:00Speaker 00

  Well, sometimes that's harder.

• 36:01Speaker 01

  It is hard. Yeah.

• 36:02Speaker 03

  It is.

• 36:02Speaker 01

  Um, sure, I'll share mine. Um, so growing up in Green Bay, Wisconsin, um, my sister and I would be in the living room in our little house, playing Monopoly on the floor on any given Saturday afternoon. And

• 36:17Speaker 01

  we would hear the door between the living room and kitchen close. And we would look at each other, zero in on each other because we knew that meant my mom and dad were in the kitchen, laying all the bills out on the table.

• 36:31Speaker 00

  Hmm.

• 36:32Speaker 01

  And they were going to decide which bills were going to be paid that month.

• 36:36Speaker 00

  Hmm.

• 36:36Speaker 01

  Not all of the bills, which bills?

• 36:38Speaker 03

  Yeah.

• 36:39Speaker 01

  And the yelling would start.

• 36:40Speaker 00

  Mm hmm.

• 36:41Speaker 01

  And my parents were very loving. We had a great family. We didn't know we were poor.

• 36:44Speaker 03

  Yeah.

• 36:45Speaker 01

  We didn't, we always had food. We always had clothes. We had two golden retrievers, two kids, you know, we had bikes. They were used bikes.

• 36:52Speaker 03

  Yeah.

• 36:53Speaker 01

  Um, we grew up camping in northern Wisconsin, like everyone else we knew.

• 36:57Speaker 00

  Mm hmm.

• 36:58Speaker 01

  But every month they would fight and yell about the bills. And so I would grab a train and we would go outside and play. It didn't matter if it was, you know, snowbanks outside, whatever, we'd go out.

• 37:11Speaker 03

  You had to put your snowsuit on.

• 37:12Speaker 01

  Yes.

• 37:12Speaker 00

  Yeah, absolutely.

• 37:14Speaker 01

  We would go out and play in our yard was adjacent to a park, which we thought was our backyard as well. And we'd go out and play until the bills were done being paid.

• 37:21Speaker 00

  Hmm.

• 37:22Speaker 01

  And so we just always knew there was never enough.

• 37:24Speaker 03

  Yeah.

• 37:25Speaker 01

  And we would hear, we can't afford that.

• 37:28Speaker 03

  Mm hmm.

• 37:28Speaker 01

  We can't afford that. We can't afford that. And they did their best.

• 37:32Speaker 03

  Mm hmm.

• 37:33Speaker 01

  And I recently had a talk with my mom because I told her I'm going to be going on podcasts. So I'm going to be speaking to people and I'm going to be telling this story. And she said,

• 37:43Speaker 01

  do you feel like your generation or other parents didn't educate their kids on money, like your friends that you grew up with? And I thought about that. She's right. I think that's kind of prevalent.

• 37:57Speaker 00

  Mm hmm.

• 37:58Speaker 01

  And then she said, well, how did you get? She's like, you're really smart about money right now. And I'm like, well, let me tell you. And so I, I went through it and she handled it very well.

• 38:11Speaker 00

  Wow.

• 38:11Speaker 01

  Very, very well.

• 38:14Speaker 00

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• 38:58Speaker 00

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• 39:39Speaker 00

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• 40:23Speaker 00

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• 41:04Speaker 00

  There was a stretch in my early twenties when I was chipping away at credit card debt, and it honestly felt like it was never going to end. I'd make a payment, I would feel good for a day, and then I'd look at the balance and feel like I did nothing. And what changed everything was finally seeing a finish line. That's why I love Monarch's debt pay down simulator and visualizer. It shows your exact debt free date based on your real balance and payments. And you get to watch that timeline move. Every extra payment, the date gets closer. That kind of visible progress keeps you going. And my favorite part is playing out your options. You can run different payment scenarios side by side and instantly see

• 41:48Speaker 00

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• 42:32Speaker 03

  They're doing their best.

• 42:32Speaker 00

  They did their best, for sure.

• 42:34Speaker 01

  And it was, it's their first time around in life as well.

• 42:37Speaker 03

  Yeah.

• 42:37Speaker 01

  And they were young parents and they were doing their best. They were working very hard. I mean, they did their very best.

• 42:43Speaker 00

  Yeah, you're making me think back. I'm like, I remember moving out when I was 18 and there was never a conversation of like, hey, a checking account? Like, I had to figure all of that out by myself. And I remember I was 18 and like went to the mall one day and opened up like three credit cards. And I used it all. I was like, this is amazing. This is incredible, this adult thing I get to do. And then I learned really quickly, uh, all about money on my own. In a very bad way.

• 43:09Speaker 03

  Credit card. People learn the hard way.

• 43:10Speaker 01

  Me too. Me too. Same thing. I got myself in debt with the credit cards. Yes. In my early, early twenties.

• 43:15Speaker 00

  This is so easy. I can just open this up. This is great.

• 43:17Speaker 01

  Do I have to pay these?

• 43:18Speaker 00

  Everybody's asking me at the cash register if I want one. And it's great.

• 43:22Speaker 03

  You guys are work optional. Those cards are pay optional.

• 43:25Speaker 01

  Yeah.

• 43:26Speaker 03

  What do you think the most important conversation that parents could or should be having with their kids is right now around money?

• 43:33Speaker 01

  Oh, there are so many. And they should be having classes in middle and high school.

• 43:37Speaker 03

  Yeah.

• 43:38Speaker 00

  Mm hmm.

• 43:39Speaker 02

  Yeah, I don't think that school is going to be the place to get us over this dilemma that we have in our country.

• 43:45Speaker 01

  No.

• 43:45Speaker 02

  I think the conversation that I always, I had tried to have it with my sons. Money is a tool. It can be used for good. It can be used for evil. But if you look at it from the lens of there's more than enough money to go around. The world runs on money. You have to either control it or it will control you. When I was growing up, um, I, if, if I could, I'll tell my story quickly. We lived in Florida at the time. I think I was 12 or 13 years old and I got off the school bus. It was a beautiful, sunshiny day in Florida.

• 44:29Speaker 02

  I'm walking up the driveway with my sister and I see this big yellow sticker on the door. And my mother and my baby sister were on the stoop crying. It was an eviction notice. My father left that day.

• 44:45Speaker 03

  Oof, like left, left?

• 44:46Speaker 02

  Left, left.

• 44:46Speaker 03

  Like peace out?

• 44:47Speaker 02

  Peace out.

• 44:48Speaker 00

  Wow.

• 44:48Speaker 02

  And I didn't talk to my father for nearly 15 years after that.

• 44:52Speaker 00

  Wow.

• 44:53Speaker 02

  But that was a source, we, we, my mother had a friend who had a friend that was a banker. Thank God for this man. She made $16,000 a year with three kids.

• 45:08Speaker 03

  That's rough.

• 45:08Speaker 02

  We didn't know we were poor.

• 45:10Speaker 03

  Yeah.

• 45:10Speaker 02

  I was, you know, going down to the beach. There's the surfboard.

• 45:14Speaker 03

  Yep.

• 45:15Speaker 02

  That was a source of so much pain around what? Money. And I didn't learn money from my father. He was incarcerated twice. I learned it from my grandfather. And one thing that always stuck out to me, and I'll never forget it. When I was home from college, I lived with my grandparents because my mother had a one bedroom studio with two other, with two sisters. There was no real, I was the only boy.

• 45:45Speaker 00

  Yeah.

• 45:46Speaker 02

  So I moved in with granddad and he was an army colonel, retired. He would get up at, you know, the butt crack of dawn. It's like most military people do, I guess. And he would be in the kitchen drinking his coffee, Atlanta Journal Constitution. It was all the financial pages back then. And he had a highlighter and a red pen. And he'd be going through and he'd circle and then he'd make a note in a notebook. And I, one day I said, granddad, I said, what are you doing? He said, son, I'm looking for an advantage. I said, what do you mean? An advantage for what? He said, nobody's going to show me these financial pages. It's up to me to find the edge that may, may not work out, but it's up to me to find it.

• 46:31Speaker 02

  And that stuck with me. I went away to college and in the Monday edition of the Atlanta Journal Constitution, they had a personal finance section every week. Insurance, wills and trusts, your 401K, your brokerage account. And he would cut that section of the Monday AJC out and mail it to me away at school. And it would always come on a Thursday.

• 46:53Speaker 03

  Yep.

• 46:54Speaker 02

  And I was in the business school and I would run from Hollis Hall to the mailbox, to the student center so I could get my mail. Now, I think now he probably would email it, but we didn't have email back then. This was in the eighties.

• 47:08Speaker 00

  Yeah.

• 47:09Speaker 02

  And unfortunately I lost that file. I kept all those clippings for years. And I can't find them. I guess too many moves, but, um, that taught me a lot that I wouldn't have found any other way. So there is somebody, anybody that's listening, there is somebody out there that can guide you away from the scarcity, away from your lack of knowledge or your fear about money. You've got to find that person if you want to get to whatever it is you want to get to.

• 47:41Speaker 03

  I want to ask you about the term, you know, I called it post economic, uh, but I like your term better. It's work optional.

• 47:47Speaker 02

  Yeah.

• 47:47Speaker 03

  And every time you guys use that term, I'm like, oh, that just makes good sense. And I think the best thing that money can buy is, is choice, is freedom.

• 47:54Speaker 02

  Yeah.

• 47:54Speaker 03

  Work optional is the freedom to work if you want or not, or to work doing what you want, not because you have to.

• 48:01Speaker 02

  Yeah.

• 48:03Speaker 03

  But I think a lot of people hear that and they think, oh, I could never get there. I only make blank. Talk to the people that think they don't make enough to ever get to a point where they are work optional.

• 48:15Speaker 02

  Yeah. So work optional as a term. Uh, about a year ago, I was driving a Ferrari in Tuscany.

• 48:24Speaker 03

  Yeah, with a really good looking guy.

• 48:26Speaker 02

  Just ahead of you and your brother.

• 48:28Speaker 03

  Yes.

• 48:28Speaker 02

  Cause I was a much faster driver with a comment, with a good friend of ours, with Rob.

• 48:33Speaker 03

  Yep.

• 48:34Speaker 02

  And I was just finishing, we were, we were in Italy together. And Jake Kelfer, our publisher, that book you have sitting there, was just about to be kind of final print, ready to go. 25 years of lessons are in that book. And I was talking to Rob about it and he's like, well, tell me about it. What, like, what's the book really about? And he's like, no, really tell me. I said, you know? He said, why in the hell do you want to start another business? He was like, aren't you done? I'm like, well, I couldn't retire. I was bored. It wasn't what I wanted.

• 49:08Speaker 00

  Yeah.

• 49:08Speaker 02

  He said, so you really just want work to be optional? I about floored the break. I was like, Rob, that's the two words.

• 49:17Speaker 03

  Work optional.

• 49:18Speaker 02

  Work optional. So what it means to us is to get to a point where your wealth, the structure of your financial plan allows you to say when, allows you to say with who, allows you to say where. And if the business stopped tomorrow, the question for the audience is if you didn't work and it stopped, could you live the lifestyle you imagined? And for a lot of people, whether they have W2 jobs or whether they have, uh, you know, businesses, the answer is no. So what do we think about in the financial services industry? The whole industry is based around retirement planning.

• 49:59Speaker 02

  And when I got to that at 51, 52 years of age, a number of years ago, I was like, this is dumb. I hate fishing. I really suck at golf. I want to work, you know, and you've, it's a game to me. I want to play. I want to do more. I love it. And we get to do it the way we want to do it from Florida, from California, from wherever we are. So work optional is a better strategy in general. Because what if you don't ever make it to 65?

• 50:29Speaker 03

  Yeah. I, I want to circle back on the question. The part of the question I think is really important for people listening, are the ones hearing this saying, yeah, it sounds great. But that's not in the cards for me. What are some of the levers they can pull? So that they too could become work optional at a certain period of time?

• 50:47Speaker 02

  I think it goes back to filling the holes in the bucket. If you've got holes in your financial structure, not because of the, the fault of the CPA, it's not the fault of the CFO, call it out, it's your fault, that you can fix. Plug the holes in the bucket. Identify where you are. What are the gaps? What are the holes? What are the leaks? If you plug the leaks and you can identify where you want to go. And that's the other thing. Most people don't discover what is it that I really want?

• 51:18Speaker 03

  Yeah.

• 51:18Speaker 02

  It's not enough to say, I want to build a seven figure business. That's not enough. It's going to be hollow and it's going to be empty. What's the purpose of the business? It's to generate the work optionality.

• 51:29Speaker 03

  Yeah.

• 51:29Speaker 01

  Most importantly, it's to start now.

• 51:31Speaker 03

  Yep.

• 51:31Speaker 01

  Start right now because you're wasting time.

• 51:34Speaker 03

  You waste that compounding interest.

• 51:35Speaker 01

  That compounding interest. Yeah.

• 51:37Speaker 03

  Yeah. That makes good sense.

• 51:39Speaker 00

  So if someone's listening right now and has a profitable business and a personal net worth that they hasn't kept pace with them, and they have never had anyone look at their whole picture, what does that first step for them actually look like?

• 51:54Speaker 01

  So it starts with taking a look at everything and we have, we have a methodology to do that, that we can send anyone, that they can take a look at it and it's thirty-nine questions, is it thirty-nine?

• 52:10Speaker 02

  Well, there's a couple of different tools.

• 52:11Speaker 01

  There we have tools, the thirty-nine questions. It's very easy. They can just answer these questions, send it to us, we'll analyze it, and we'll spend an hour with them. We'll give them an hour of our time. We'll analyze it and we'll give them a clear picture, exactly where they are. And then they can't hide from it.

• 52:31Speaker 03

  Yeah, once you know.

• 52:32Speaker 01

  You know, you know, you can't. I mean, yeah, knowledge is power. I mean, what do you always say that if you could know that you, what's that term?

• 52:40Speaker 02

  If what you thought to be true turned out not to be true? When would you want to know?

• 52:45Speaker 01

  Yeah. I never remember.

• 52:47Speaker 00

  Right away.

• 52:47Speaker 01

  I never.

• 52:48Speaker 00

  Immediately.

• 52:49Speaker 02

  Yesterday.

• 52:49Speaker 03

  It's a good phrase.

• 52:50Speaker 02

  So it's a combination of two things. Number one, diagnose the gaps. And then determine what the gaps are costing you. So there's two tools. One is the Wealth Creation Scorecard. It's the simplest way that we found to identify, diagnose the gaps. After you've diagnosed where you are, take that, don't walk, run to your advice givers, and ask them, how do I close these gaps? And they're going to give you a fragmented answer. It's gonna happen. That's the pattern.

• 53:28Speaker 03

  Yeah, they're not gonna collaborate. Tax guy is gonna give his tax answer.

• 53:31Speaker 02

  That's the problem.

• 53:32Speaker 03

  Personal advisor is gonna give their mutual fund answer, etc.

• 53:34Speaker 02

  Yes. So the second phase of our Wealth Ascension system is to unify or design the plan around it. And that's the second tool.

• 53:46Speaker 02

  Diagnose the gaps, identify what it's costing you. And if you discover that you can find forty, sixty, eighty, hundred and ten, thousand dollars, it's found money. It's like, it's like walking out the door here, there's a hundred dollar bill sitting on the curb, I'm fighting you for it, dude. I'm, I'm gonna go for it. So if you can find the money, then you walk through that door and you systematically bring it back.

• 54:14Speaker 01

  You'd be surprised how many times this happens. People take the diagnostic or one of the tools that we have and they do go back to their CPA, for instance. And they say, why haven't we done this or that? And the CPA pushes back and says, oh, I don't think that's such a great idea. And they say, well, this saved me thirty-five thousand dollars. And then they fired the CPA. So it's sometimes that they don't have such a good advice giver. And they have to discover that on their own.

• 54:48Speaker 03

  More often than people would ever imagine. It shocks me, actually. Yeah.

• 54:54Speaker 01

  But, but they have to peel back the layers and they have to figure that out. And they have to take a look at exactly where they are right now in order to figure these things out. But like you said, they don't communicate with one another. So it's hard to have a unified plan.

• 55:09Speaker 00

  You know, it goes back to the quote that you shared. And even if the quote ended up being answered that, you know, what you think is true is true, the faster you can know it's true, this is fixable. You guys have seen it where people can feel like they're very broken and they're ashamed and they're afraid that they can't come back from where they are financially. What do you say to those people?

• 55:33Speaker 01

  Start now.

• 55:35Speaker 03

  Is every financial picture fixable? Or are some people just fucked?

• 55:42Speaker 02

  I think some people are probably just fucked. But I think that there are mistakes that are reversible and there are mistakes that you learn from and you move away from as fast as you can.

• 55:56Speaker 02

  It's just the knowledge. And you say, you know, knowledge is power? I disagree with that. Applied knowledge is really power. So just learn, um, I've made the mistakes too. I had eight cents in my damn business account.

• 56:12Speaker 01

  We both have.

• 56:13Speaker 02

  I learned from that. You know, we went through the financial crisis. Look back on COVID. How many people sold their portfolio out in the middle of COVID with the mask on your face and you're at your keyboard? And now the S and P five hundred is now our three X from where it was at COVID. Come on, this is, it's not rocket surgery. Or science, or whatever.

• 56:34Speaker 03

  Rocket surgery, is that a new field?

• 56:36Speaker 00

  I'm a rocket surgeon. That's what I'm gonna start introducing myself as.

• 56:40Speaker 02

  It's an old, that's an old Nick Murray saying, one of my coaches used to say.

• 56:45Speaker 00

  So good. All right. So you told us about the Wealth Scorecard. That's a really good place to start. Where can we take that?

• 56:54Speaker 02

  Yeah. So wealthcreationscorecard.com, spell it all out in one word. Uh, we can post it in the show notes. Instagram, at True Wealth Advisors. We're always asking people to DM us there. And, uh, yeah, you just need the link. And the purpose of the scorecard again is just to diagnose. It'll score you in three primary areas. Tax strategy, your profit acceleration or your business finances, and then your personal finances. If you can look at the gaps in each of those three areas, but then assess them as one whole. It's the holistic, coordinated, unifying approach that's gonna magnify the, the geometric growth.

• 57:37Speaker 03

  The scorecard is actually awesome. Even if they don't want to work with you guys ever. Do the scorecard and then take it to your own professionals. What are we doing about these gaps? Right? It is the best free, just go take it type of tool anybody could ever do, whether they want to work with you or not.

• 57:52Speaker 00

  But you guys are working with people of all different. Tell me who your ideal clients are right now, because you are taking people.

• 57:59Speaker 01

  Uh, businesses between a million dollars in revenue and twenty million.

• 58:04Speaker 03

  That's a sweet spot.

• 58:05Speaker 01

  Yeah, that's the sweet spot. Those are who we can help the best.

• 58:08Speaker 02

  Yeah, and I think that the reason that that level of entrepreneur or business owner is because the pain is acute at that level. If you're under a million, maybe even under two million, you can, you can hide behind that. You can get by, especially a solopreneur, somebody that doesn't have the messy middle of a P and L. But when you get to that level, you've got more advice givers, you've got more specialists, you've got more silos, you know? And when you fix those things, it amplifies and multiplies the personal side. That's why we do what we do. You know, being an entrepreneur is not for the faint of heart, as we all know that.

• 58:52Speaker 02

  But think about it. The person that signed up for that, he's got a screw loose. It's what most people don't do. Most people go get a job or they get an education, then they get a job. They make sure the job pays for all the bills. At the end of eleven months, they sit across from a man or a woman, they call a manager. They don't even like them. And they ask, do I get another raise this year? Or do I get another day of PTO? If that sounds like suicide to you all, which I know it does, it's like not signing up for that. So stop thinking the way traditional money advice is given. The Instagram, the TikTok, the, the specialist model.

• 59:35Speaker 02

  Think differently as a founder, entrepreneur, and I think you're gonna get much further ahead, so.

• 59:40Speaker 00

  So what would you guys want to leave with people listening? Cause there's people in their car right now, there's people, they're getting ready, they're thinking this is a great idea. What do you want to leave with them?

• 59:50Speaker 01

  The time is now. The time is now. Take the quiz, read the book, reach out to us.

• 1:00:01Speaker 01

  There's no better time to do it.

• 1:00:03Speaker 03

  What's the phrase? When's the best time to plant a tree? Twenty years ago, when's the next best time?

• 1:00:07Speaker 01

  Right now.

• 1:00:08Speaker 03

  Right now.

• 1:00:08Speaker 01

  Today.

• 1:00:09Speaker 00

  Well, we're so excited about this, you guys. Definitely. I have all of the links in our show notes, so it's so easy. You can just scroll right down. Um, we also have the book sitting here, The Wealth Creation Method. Go grab that. You can binge all of this content.

• 1:00:22Speaker 02

  And read the foreword.

• 1:00:27Speaker 00

  But we're so grateful for you. You are such incredible people. You have such hearts of service. You truly, we get to see all the people that you impact, including ourselves. Um, and I'm just so happy that you guys are out there in such a big way. I know how much you have like grown this business so quickly because of who you are, your skill set, what you're helping with. Like your referrals are insane because people are loving what's happening when they work with you. I'm watching people that we know feel insanely empowered. So good in their business now after working with you. So I'm so excited that you came on.

• 1:01:04Speaker 03

  Yeah, I would just add that I would stake my reputation on working with you guys. Meaning people can, should have no hesitancy that you're gonna judge them. They should have no hesitancy that you're not gonna have an answer for them. They should have no hesitancy that, you know, are you the right choice or the wrong choice? If they want a point guard to call all the shots and clean up their finances, it's, it's you guys. I'll stake my reputation on that.

• 1:01:26Speaker 01

  Thank you both so much. Thank you for having us today. We are so excited to be here. Thank you.

• 1:01:31Speaker 00

  Yes. Okay. Well, you guys, thank you so much for tuning in. Make sure you go check out the show notes and follow them. And until next time, earn your happy and listen to Chris harder. I don't know.

• 1:01:41Speaker 03

  Peace out, bitches.