WEBVTT

00:00:04.431 --> 00:00:04.817 align:center
Hup!

00:00:27.016 --> 00:00:28.679 align:center
Hey guys, it's me, Yaya Diamond,

00:00:28.719 --> 00:00:29.660 align:center
and welcome to the show.

00:00:29.800 --> 00:00:32.023 align:center
Okay, so I should have worn

00:00:32.063 --> 00:00:32.584 align:center
green.

00:00:32.945 --> 00:00:34.246 align:center
I should have been like, green,

00:00:34.266 --> 00:00:35.768 align:center
green, green, because this is all

00:00:35.788 --> 00:00:36.229 align:center
about money.

00:00:36.369 --> 00:00:37.551 align:center
Finances!

00:00:37.831 --> 00:00:38.492 align:center
Who needs some?

00:00:38.813 --> 00:00:38.913 align:center
Me.

00:00:39.502 --> 00:00:41.743 align:center
right here honey more finances conference

00:00:42.243 --> 00:00:43.763 align:center
okay so we have an amazing

00:00:43.803 --> 00:00:44.864 align:center
guest on the show he has

00:00:44.904 --> 00:00:46.124 align:center
written a couple books but not

00:00:46.204 --> 00:00:47.104 align:center
only that he can give you

00:00:47.124 --> 00:00:48.105 align:center
some pointers on how to get

00:00:48.125 --> 00:00:50.005 align:center
more money more money get it

00:00:50.065 --> 00:00:52.106 align:center
all together finances i mean who

00:00:52.146 --> 00:00:53.687 align:center
really wants to know what their

00:00:53.727 --> 00:00:55.207 align:center
finances look like not me i

00:00:55.267 --> 00:00:56.327 align:center
really don't i mean you know

00:00:56.347 --> 00:00:58.028 align:center
i still want to just shop

00:00:58.108 --> 00:00:59.328 align:center
and then if you show me

00:00:59.368 --> 00:01:01.049 align:center
my finances i'm literally going to

00:01:01.109 --> 00:01:02.389 align:center
stop and go oh my gosh

00:01:02.449 --> 00:01:04.110 align:center
i can't believe i'm doing this

00:01:04.470 --> 00:01:05.230 align:center
but i'm still going to do

00:01:05.250 --> 00:01:06.951 align:center
it anyway so yeah i need

00:01:06.971 --> 00:01:07.271 align:center
more money

00:01:07.691 --> 00:01:08.852 align:center
and i hope that you're in

00:01:08.872 --> 00:01:10.532 align:center
that category as well and i

00:01:10.572 --> 00:01:12.153 align:center
want to welcome brian and i

00:01:12.213 --> 00:01:13.234 align:center
i don't want to torture his

00:01:13.294 --> 00:01:14.654 align:center
last name it looks like it

00:01:14.854 --> 00:01:17.716 align:center
is zuniga i'm not really sure

00:01:17.736 --> 00:01:21.437 align:center
but is it correct i did

00:01:21.597 --> 00:01:23.618 align:center
it i did it you guys

00:01:23.638 --> 00:01:24.639 align:center
know how bad i am with

00:01:24.679 --> 00:01:26.240 align:center
some last names and i torture

00:01:26.280 --> 00:01:28.401 align:center
names i really do but finances

00:01:28.481 --> 00:01:29.161 align:center
and we're going to be talking

00:01:29.181 --> 00:01:30.762 align:center
about that welcome to the show

00:01:30.782 --> 00:01:31.882 align:center
today thank you so much for

00:01:31.902 --> 00:01:33.383 align:center
joining us thank you

00:01:34.119 --> 00:01:34.800 align:center
Oh my gosh.

00:01:34.920 --> 00:01:35.260 align:center
Okay.

00:01:35.540 --> 00:01:37.542 align:center
So let's go back because everybody

00:01:37.582 --> 00:01:38.483 align:center
has a beginning story.

00:01:38.643 --> 00:01:40.464 align:center
Everybody has something that kind of

00:01:40.544 --> 00:01:42.306 align:center
turned them on and click.

00:01:42.546 --> 00:01:43.747 align:center
Oh, the light bulb went on.

00:01:44.007 --> 00:01:45.008 align:center
What was it for you?

00:01:46.069 --> 00:01:48.230 align:center
So for me, my journey started

00:01:48.671 --> 00:01:51.553 align:center
early right before the pandemic

00:01:52.754 --> 00:01:54.335 align:center
started wreaking havoc on everything.

00:01:54.716 --> 00:01:56.857 align:center
And for me personally, I used

00:01:56.897 --> 00:01:59.299 align:center
to be horrible with money across

00:01:59.339 --> 00:01:59.700 align:center
the board.

00:02:00.100 --> 00:02:01.321 align:center
I mean, never, never.

00:02:01.341 --> 00:02:01.841 align:center
Oh, go ahead.

00:02:02.422 --> 00:02:02.522 align:center
Me.

00:02:04.044 --> 00:02:05.265 align:center
Like, never mind investing.

00:02:05.305 --> 00:02:06.325 align:center
I mean, I didn't even know

00:02:07.045 --> 00:02:07.706 align:center
interest rates.

00:02:07.906 --> 00:02:08.946 align:center
I had no idea how to

00:02:08.986 --> 00:02:10.166 align:center
look at credit cards or how

00:02:10.186 --> 00:02:11.867 align:center
to manage loans, anything like that.

00:02:12.507 --> 00:02:13.508 align:center
And, you know, I got in

00:02:13.548 --> 00:02:14.068 align:center
over my head.

00:02:14.588 --> 00:02:16.769 align:center
And to a certain extent, my

00:02:16.809 --> 00:02:18.589 align:center
mistakes were understandable.

00:02:19.150 --> 00:02:20.930 align:center
Financial literacy is not taught in

00:02:20.990 --> 00:02:21.290 align:center
school.

00:02:21.550 --> 00:02:24.151 align:center
I mean, maybe in very few,

00:02:24.231 --> 00:02:27.372 align:center
but it's not the whole story.

00:02:27.753 --> 00:02:31.414 align:center
And so I painstakingly dug myself

00:02:31.474 --> 00:02:31.894 align:center
out of debt.

00:02:32.304 --> 00:02:33.585 align:center
I wanted to understand how to

00:02:33.625 --> 00:02:35.487 align:center
prevent it, what shortcuts there were,

00:02:36.227 --> 00:02:37.228 align:center
legal shortcuts.

00:02:38.669 --> 00:02:40.511 align:center
And I wanted to understand everything

00:02:40.571 --> 00:02:42.012 align:center
about the credit score system, things

00:02:42.052 --> 00:02:44.234 align:center
that were just, you hear about

00:02:44.374 --> 00:02:45.815 align:center
in passing, but you have no

00:02:45.915 --> 00:02:48.397 align:center
idea how to actually connect them.

00:02:49.918 --> 00:02:51.739 align:center
for me personally what i realized

00:02:51.839 --> 00:02:52.920 align:center
and what started me on this

00:02:52.960 --> 00:02:54.881 align:center
journey is that i've been to

00:02:54.981 --> 00:02:56.962 align:center
so many financial seminars there's so

00:02:57.002 --> 00:02:59.664 align:center
many financial books there's social media

00:02:59.724 --> 00:03:01.966 align:center
channels there's so many influencers and

00:03:02.006 --> 00:03:04.187 align:center
what i realized is that as

00:03:04.267 --> 00:03:06.729 align:center
great as our technology is the

00:03:06.929 --> 00:03:09.130 align:center
one weakness is that our attention

00:03:09.150 --> 00:03:11.892 align:center
span has shrunk dramatically

00:03:12.512 --> 00:03:14.534 align:center
compared to even the early 2000s

00:03:14.574 --> 00:03:16.076 align:center
and the late 90s.

00:03:16.116 --> 00:03:17.858 align:center
What that means is when you're

00:03:17.898 --> 00:03:20.000 align:center
looking at Twitter, I'm never calling

00:03:20.060 --> 00:03:24.766 align:center
it X, YouTube, Snapchat, Instagram posts,

00:03:25.627 --> 00:03:27.769 align:center
everything only has a certain amount

00:03:28.009 --> 00:03:30.292 align:center
of characters or the video length

00:03:30.352 --> 00:03:31.193 align:center
is extremely short.

00:03:31.773 --> 00:03:33.153 align:center
So what that means is that

00:03:33.193 --> 00:03:34.654 align:center
you miss out on the context.

00:03:35.114 --> 00:03:37.335 align:center
So when people use social media

00:03:37.415 --> 00:03:39.955 align:center
for, you know, getting health information

00:03:40.356 --> 00:03:41.476 align:center
and especially when it comes to

00:03:41.536 --> 00:03:43.797 align:center
finances, some of the information that

00:03:43.837 --> 00:03:46.117 align:center
you're getting may be viable, but

00:03:46.157 --> 00:03:47.038 align:center
you're not going to know how

00:03:47.078 --> 00:03:49.158 align:center
to connect it because our phones

00:03:49.198 --> 00:03:50.118 align:center
are so powerful.

00:03:50.178 --> 00:03:51.039 align:center
And if you just type in

00:03:51.479 --> 00:03:53.299 align:center
financial literacy, how many things come

00:03:53.379 --> 00:03:54.000 align:center
up on Google?

00:03:54.620 --> 00:03:54.920 align:center
And so...

00:03:55.780 --> 00:03:57.981 align:center
we get so much information, but

00:03:58.041 --> 00:03:59.821 align:center
no idea how to actually connect

00:03:59.881 --> 00:04:01.182 align:center
it from A to B. And

00:04:01.202 --> 00:04:02.642 align:center
that's where I come in.

00:04:03.183 --> 00:04:04.563 align:center
A lot of information that I

00:04:04.663 --> 00:04:07.044 align:center
share, it's not new in the

00:04:07.084 --> 00:04:08.904 align:center
sense that like for my investing

00:04:08.944 --> 00:04:10.405 align:center
book, for example, I didn't invent

00:04:10.445 --> 00:04:12.286 align:center
the Roth IRA or what it's

00:04:12.346 --> 00:04:12.926 align:center
capable of.

00:04:13.766 --> 00:04:15.707 align:center
But what makes me unique is

00:04:15.907 --> 00:04:17.468 align:center
how I actually explain it.

00:04:18.029 --> 00:04:19.189 align:center
And I teach you how to

00:04:19.269 --> 00:04:22.371 align:center
create your own financial blueprint for

00:04:22.411 --> 00:04:24.273 align:center
your own life, where you're starting

00:04:24.333 --> 00:04:26.234 align:center
from, any debt that you have.

00:04:26.874 --> 00:04:29.596 align:center
If you have other retirement accounts

00:04:29.636 --> 00:04:30.977 align:center
that you have from previous jobs,

00:04:31.037 --> 00:04:31.857 align:center
what do you do with them?

00:04:32.598 --> 00:04:33.758 align:center
And I teach you how to

00:04:33.838 --> 00:04:35.700 align:center
create your own blueprint for your

00:04:35.860 --> 00:04:37.281 align:center
own unique desires and goals.

00:04:38.197 --> 00:04:39.858 align:center
And then give you all of

00:04:39.898 --> 00:04:41.500 align:center
the tools necessary to expand upon

00:04:41.540 --> 00:04:41.600 align:center
it.

00:04:41.660 --> 00:04:42.841 align:center
You can do whatever you want,

00:04:43.281 --> 00:04:45.202 align:center
so I'm not here to tell

00:04:45.242 --> 00:04:46.343 align:center
you, well, this is the best.

00:04:46.663 --> 00:04:47.384 align:center
This is the best.

00:04:47.564 --> 00:04:49.245 align:center
This is the best because it

00:04:49.265 --> 00:04:50.726 align:center
depends on the context, depends on

00:04:50.766 --> 00:04:52.247 align:center
the person, depends on their risk

00:04:52.328 --> 00:04:53.709 align:center
tolerance and.

00:04:54.747 --> 00:04:57.508 align:center
There's just certain financial rules that

00:04:57.789 --> 00:04:58.929 align:center
everybody has to follow.

00:04:59.009 --> 00:05:01.070 align:center
But then from that point, you

00:05:01.110 --> 00:05:02.391 align:center
have your own journey and that

00:05:02.491 --> 00:05:03.492 align:center
is perfectly okay.

00:05:03.732 --> 00:05:04.792 align:center
I just hope to arm you

00:05:04.832 --> 00:05:06.613 align:center
with all of the tools to

00:05:06.653 --> 00:05:08.454 align:center
where you're competent and you have

00:05:08.494 --> 00:05:09.035 align:center
your own

00:05:10.015 --> 00:05:12.138 align:center
impeccable judgment so you know what

00:05:12.198 --> 00:05:14.140 align:center
is bs what isn't what is

00:05:14.180 --> 00:05:15.101 align:center
something that is going to work

00:05:15.142 --> 00:05:17.124 align:center
for you versus what you know

00:05:17.264 --> 00:05:19.407 align:center
what is it and you know

00:05:19.867 --> 00:05:21.710 align:center
how to verify the information that

00:05:21.850 --> 00:05:22.751 align:center
is shared with you which is

00:05:22.791 --> 00:05:25.034 align:center
a very key thing because there's

00:05:25.194 --> 00:05:27.237 align:center
so many influencers there's so many

00:05:27.737 --> 00:05:28.257 align:center
teachers.

00:05:28.758 --> 00:05:30.179 align:center
There's so many seminars.

00:05:30.199 --> 00:05:31.539 align:center
There's so much stuff that just

00:05:32.160 --> 00:05:33.661 align:center
always promises that this is one

00:05:33.701 --> 00:05:35.082 align:center
thing, but they don't give you

00:05:35.522 --> 00:05:36.863 align:center
all of the criteria that has

00:05:36.883 --> 00:05:38.323 align:center
to be met in order to

00:05:38.404 --> 00:05:39.564 align:center
achieve certain goals.

00:05:40.145 --> 00:05:41.485 align:center
I give you the full context

00:05:41.726 --> 00:05:42.486 align:center
in plain English.

00:05:42.926 --> 00:05:44.487 align:center
I don't just throw endless financial

00:05:44.527 --> 00:05:46.208 align:center
jargon at you, which isn't the

00:05:46.248 --> 00:05:48.950 align:center
same thing as actually explaining something.

00:05:49.650 --> 00:05:51.952 align:center
And I think my writing and

00:05:52.432 --> 00:05:54.933 align:center
my course are there for everybody,

00:05:55.793 --> 00:05:57.594 align:center
no matter where you're starting from.

00:05:58.434 --> 00:06:01.535 align:center
And the easiest way to start

00:06:02.015 --> 00:06:02.975 align:center
is when you go to my

00:06:02.995 --> 00:06:04.816 align:center
website and that button that's right

00:06:04.856 --> 00:06:06.977 align:center
there, take financial literacy quiz.

00:06:07.157 --> 00:06:08.817 align:center
It is a free 100% quiz

00:06:09.417 --> 00:06:10.498 align:center
and it is designed to,

00:06:11.098 --> 00:06:12.819 align:center
to help you figure out where

00:06:12.879 --> 00:06:14.399 align:center
your own knowledge gaps are when

00:06:14.439 --> 00:06:16.500 align:center
it comes to finances so maybe

00:06:16.540 --> 00:06:18.020 align:center
you're okay with investing but when

00:06:18.040 --> 00:06:19.360 align:center
it comes to the personal finance

00:06:19.400 --> 00:06:21.421 align:center
side as far as like repairing

00:06:21.441 --> 00:06:24.902 align:center
your credit score avoiding certain forms

00:06:24.962 --> 00:06:27.303 align:center
of debt digging yourself out then

00:06:28.243 --> 00:06:29.963 align:center
the order in which you complete

00:06:30.124 --> 00:06:31.324 align:center
everything that i have to offer

00:06:31.704 --> 00:06:33.585 align:center
will change depending on where your

00:06:33.605 --> 00:06:35.405 align:center
starting point is and the financial

00:06:35.425 --> 00:06:37.066 align:center
literacy quiz will help you to

00:06:37.106 --> 00:06:38.446 align:center
figure that out yeah

00:06:39.215 --> 00:06:40.076 align:center
What if you're scared?

00:06:40.156 --> 00:06:40.996 align:center
I mean, come on.

00:06:41.556 --> 00:06:43.197 align:center
I have this question and I'm

00:06:43.217 --> 00:06:44.238 align:center
going to ask this question.

00:06:44.258 --> 00:06:44.878 align:center
We're going to take a short

00:06:44.898 --> 00:06:46.179 align:center
break before you answer it.

00:06:46.699 --> 00:06:48.561 align:center
But what if you're really, truly

00:06:48.681 --> 00:06:51.642 align:center
scared to know how bad you

00:06:51.682 --> 00:06:52.483 align:center
really are?

00:06:52.503 --> 00:06:54.844 align:center
It's like some people are so

00:06:54.964 --> 00:06:55.565 align:center
scared.

00:06:56.045 --> 00:06:57.486 align:center
Like, okay, if I find out

00:06:58.186 --> 00:07:00.207 align:center
that I'm super bad and I

00:07:00.247 --> 00:07:01.648 align:center
could have pulled myself out of

00:07:01.688 --> 00:07:03.950 align:center
debt, but Teemu looks really good

00:07:03.990 --> 00:07:04.850 align:center
right about now.

00:07:05.631 --> 00:07:06.171 align:center
I have.

00:07:08.433 --> 00:07:09.414 align:center
We got to go answer that

00:07:09.434 --> 00:07:09.634 align:center
question.

00:07:09.654 --> 00:07:10.294 align:center
We're going to take a short

00:07:10.314 --> 00:07:11.115 align:center
break and we'll be right back.

00:07:11.135 --> 00:07:11.955 align:center
Don't you guys go nowhere.

00:07:11.995 --> 00:07:12.996 align:center
Thank you so much for tuning

00:07:13.056 --> 00:07:13.156 align:center
in.

00:07:14.517 --> 00:07:15.858 align:center
Don't forget to follow us on

00:07:15.898 --> 00:07:17.179 align:center
YouTube or Instagram.

00:07:17.599 --> 00:07:18.540 align:center
Thank you for watching.

00:07:20.009 --> 00:07:23.170 align:center
Now I am just, you know,

00:07:23.270 --> 00:07:24.050 align:center
you know how it goes.

00:07:24.131 --> 00:07:26.391 align:center
It's like, okay, so some people

00:07:26.471 --> 00:07:27.792 align:center
are just super scared to find

00:07:27.932 --> 00:07:31.073 align:center
out and it's difficult to change

00:07:31.393 --> 00:07:31.873 align:center
habits.

00:07:32.393 --> 00:07:33.994 align:center
Did you write about that in

00:07:34.014 --> 00:07:34.594 align:center
the book?

00:07:35.435 --> 00:07:37.895 align:center
What was your way of kind

00:07:37.935 --> 00:07:39.376 align:center
of pulling yourself out of that?

00:07:40.396 --> 00:07:43.257 align:center
So I created what I call

00:07:43.497 --> 00:07:45.698 align:center
the triangle of financial success.

00:07:46.058 --> 00:07:46.999 align:center
It's a little cheesy of a

00:07:47.039 --> 00:07:47.199 align:center
name.

00:07:47.299 --> 00:07:49.219 align:center
I know, but it gets the

00:07:49.259 --> 00:07:49.840 align:center
point across.

00:07:50.060 --> 00:07:52.981 align:center
So for me, there are three

00:07:53.661 --> 00:07:56.662 align:center
main aspects to overall financial health.

00:07:57.363 --> 00:07:59.964 align:center
There is the foundational financial literacy,

00:08:00.004 --> 00:08:01.384 align:center
which is like, you know, managing

00:08:01.424 --> 00:08:03.725 align:center
debt, knowing what interest rates are.

00:08:04.435 --> 00:08:05.776 align:center
and all of the above, the

00:08:05.816 --> 00:08:06.657 align:center
credit score system.

00:08:06.937 --> 00:08:08.398 align:center
And then there's the investing side.

00:08:09.258 --> 00:08:11.119 align:center
And then there is the often

00:08:11.480 --> 00:08:15.102 align:center
overlooked part, which honestly probably has

00:08:15.142 --> 00:08:17.003 align:center
the biggest influence on your success

00:08:17.103 --> 00:08:18.544 align:center
and not just with finances, but

00:08:18.564 --> 00:08:19.745 align:center
with everything else in your life

00:08:19.805 --> 00:08:20.005 align:center
too.

00:08:20.605 --> 00:08:22.227 align:center
And that is your emotions and

00:08:22.267 --> 00:08:22.627 align:center
beliefs.

00:08:23.307 --> 00:08:24.148 align:center
Oh, emotions.

00:08:24.892 --> 00:08:27.533 align:center
Because no one on this planet

00:08:27.673 --> 00:08:29.994 align:center
is completely immune to the stress,

00:08:30.334 --> 00:08:32.916 align:center
the happiness, the dread, the confusion

00:08:33.076 --> 00:08:35.116 align:center
that comes along with finances.

00:08:35.237 --> 00:08:36.777 align:center
And that is often why we're

00:08:36.817 --> 00:08:37.598 align:center
so overwhelmed.

00:08:38.318 --> 00:08:40.019 align:center
And think about it this way.

00:08:40.319 --> 00:08:42.820 align:center
It's like if your goal was

00:08:42.880 --> 00:08:45.201 align:center
to lose weight, you could have

00:08:45.501 --> 00:08:46.842 align:center
the best game plan, you can

00:08:46.882 --> 00:08:48.042 align:center
have the best books, the best

00:08:48.102 --> 00:08:49.663 align:center
nutritionist, and all of that.

00:08:50.871 --> 00:08:53.012 align:center
But any successes that you obtain

00:08:53.152 --> 00:08:55.032 align:center
will likely be short-lived if you

00:08:55.072 --> 00:08:57.053 align:center
don't actually change your mindset too.

00:08:57.713 --> 00:09:00.174 align:center
So if you work out all

00:09:00.214 --> 00:09:01.394 align:center
the time, you do the best

00:09:01.454 --> 00:09:02.495 align:center
workouts, you get a lot of

00:09:02.535 --> 00:09:04.796 align:center
muscle, and you lose a little

00:09:04.816 --> 00:09:06.976 align:center
bit of weight, but you don't

00:09:07.156 --> 00:09:10.037 align:center
actually fix your habit of you

00:09:10.117 --> 00:09:11.678 align:center
handle your stress by eating, you

00:09:11.718 --> 00:09:13.718 align:center
handle your stress by drinking, or

00:09:13.819 --> 00:09:14.699 align:center
you eat a lot of sugar,

00:09:15.814 --> 00:09:17.496 align:center
Any success that you have will

00:09:17.536 --> 00:09:19.277 align:center
likely be short lived because you

00:09:19.337 --> 00:09:20.699 align:center
have to change your perceptions in

00:09:20.719 --> 00:09:21.539 align:center
the way that you think.

00:09:22.240 --> 00:09:23.921 align:center
And so for the people that

00:09:24.402 --> 00:09:25.623 align:center
are a little bit scared to

00:09:25.663 --> 00:09:28.465 align:center
look at maybe what their finances

00:09:28.586 --> 00:09:30.387 align:center
are, my guess is that on

00:09:30.487 --> 00:09:33.190 align:center
some level, you feel

00:09:34.835 --> 00:09:37.138 align:center
the dread, you feel the overwhelming

00:09:37.218 --> 00:09:38.900 align:center
weight of your situation.

00:09:39.521 --> 00:09:40.982 align:center
But I promise you that when

00:09:41.002 --> 00:09:42.884 align:center
you actually take the guesswork out

00:09:42.925 --> 00:09:44.707 align:center
of it and you calculate how

00:09:44.767 --> 00:09:46.469 align:center
bad or great of a situation

00:09:46.509 --> 00:09:49.672 align:center
that you're in, the amount of

00:09:49.732 --> 00:09:51.655 align:center
stress will actually go down dramatically

00:09:51.895 --> 00:09:52.235 align:center
because

00:09:53.351 --> 00:09:54.772 align:center
a lot of the dread is

00:09:54.932 --> 00:09:55.733 align:center
due to the fact that we

00:09:55.753 --> 00:09:56.654 align:center
don't know what's on the other

00:09:56.674 --> 00:09:57.855 align:center
side of the door but when

00:09:57.895 --> 00:10:00.017 align:center
you open it okay it is

00:10:00.077 --> 00:10:01.097 align:center
what it is now and you

00:10:01.137 --> 00:10:02.679 align:center
have to figure out where to

00:10:02.739 --> 00:10:05.081 align:center
go and that's exactly what my

00:10:05.141 --> 00:10:06.762 align:center
course and my books as a

00:10:06.882 --> 00:10:09.144 align:center
whole will teach you it focuses

00:10:09.244 --> 00:10:11.286 align:center
on the emotions and beliefs it

00:10:11.346 --> 00:10:14.408 align:center
focuses on then the tangible strategy

00:10:14.468 --> 00:10:15.629 align:center
so it focuses on all of

00:10:15.669 --> 00:10:16.890 align:center
the information that you might be

00:10:16.930 --> 00:10:19.152 align:center
missing out on and how to

00:10:19.232 --> 00:10:20.413 align:center
connect it all so you get

00:10:20.473 --> 00:10:20.714 align:center
both

00:10:21.730 --> 00:10:24.071 align:center
the physical strategies, but then you

00:10:24.111 --> 00:10:25.891 align:center
get the actual mental aspect too,

00:10:26.351 --> 00:10:27.851 align:center
and how to make sure that

00:10:27.891 --> 00:10:30.792 align:center
you're upgrading your beliefs and your

00:10:30.832 --> 00:10:33.773 align:center
emotions with your progress so you

00:10:33.793 --> 00:10:34.853 align:center
don't shoot yourself in the foot

00:10:34.893 --> 00:10:35.133 align:center
later.

00:10:35.153 --> 00:10:37.733 align:center
Because any progress is short-lived.

00:10:38.254 --> 00:10:40.234 align:center
Unless you master your emotions and

00:10:40.274 --> 00:10:41.934 align:center
your beliefs and you're upgrading them

00:10:42.594 --> 00:10:43.955 align:center
to match where you're going, it's

00:10:43.995 --> 00:10:45.675 align:center
just... Old maps can't take you

00:10:45.735 --> 00:10:46.655 align:center
to new destinations.

00:10:46.915 --> 00:10:47.896 align:center
It's just really what it comes

00:10:47.936 --> 00:10:48.316 align:center
down to.

00:10:49.016 --> 00:10:49.336 align:center
And so...

00:10:51.455 --> 00:10:54.656 align:center
There will always be an emotional

00:10:54.716 --> 00:10:56.457 align:center
and mental aspect to money because

00:10:56.477 --> 00:10:58.598 align:center
it is.

00:10:58.938 --> 00:10:59.658 align:center
Why do a lot of us

00:10:59.698 --> 00:11:00.919 align:center
want to obtain it so much?

00:11:01.119 --> 00:11:02.739 align:center
Because we think it's going to

00:11:02.799 --> 00:11:04.960 align:center
fix a lot of our problems.

00:11:05.160 --> 00:11:08.502 align:center
And then sometimes what I've noticed

00:11:08.562 --> 00:11:10.362 align:center
really trips people up is actually

00:11:10.482 --> 00:11:11.903 align:center
the more spiritual or the more

00:11:11.943 --> 00:11:13.824 align:center
religious they are, they tend to

00:11:13.844 --> 00:11:15.324 align:center
shoot themselves in the foot because

00:11:15.364 --> 00:11:17.785 align:center
they think, well, the more spiritual

00:11:17.845 --> 00:11:18.205 align:center
I am, how...

00:11:20.245 --> 00:11:21.946 align:center
doesn't make sense that I want

00:11:22.007 --> 00:11:23.688 align:center
money and have the desire to

00:11:23.788 --> 00:11:26.931 align:center
obtain it because it's so materialistic.

00:11:27.331 --> 00:11:29.012 align:center
And at the same time, for

00:11:29.132 --> 00:11:30.173 align:center
a lot of us who were

00:11:30.573 --> 00:11:32.155 align:center
religious, regardless of the religion,

00:11:33.632 --> 00:11:34.493 align:center
the rich guy is always a

00:11:34.513 --> 00:11:35.574 align:center
bad guy, right?

00:11:35.734 --> 00:11:38.876 align:center
And so subconsciously we put limits

00:11:38.936 --> 00:11:41.358 align:center
on ourselves because we think, okay,

00:11:41.738 --> 00:11:42.799 align:center
I wanna be able to be

00:11:42.879 --> 00:11:45.061 align:center
comfortable, but you're never gonna thrive

00:11:45.261 --> 00:11:46.422 align:center
because too much money is a

00:11:46.462 --> 00:11:48.043 align:center
bad thing, but not having enough

00:11:48.083 --> 00:11:49.044 align:center
of it is also bad.

00:11:49.644 --> 00:11:49.964 align:center
And so,

00:11:51.184 --> 00:11:52.405 align:center
I teach you how to have

00:11:52.565 --> 00:11:54.446 align:center
a balanced approach for your own

00:11:54.546 --> 00:11:55.926 align:center
unique life and circumstances.

00:11:56.026 --> 00:11:57.887 align:center
And hey, everybody's been there.

00:11:58.187 --> 00:12:00.468 align:center
There is honestly no shame in

00:12:00.488 --> 00:12:02.149 align:center
making mistakes with money or being

00:12:02.189 --> 00:12:03.009 align:center
scared to look at it.

00:12:03.510 --> 00:12:06.191 align:center
I mean, it's understandable.

00:12:06.611 --> 00:12:08.012 align:center
And a lot of it maybe

00:12:08.092 --> 00:12:09.272 align:center
isn't your fault because you didn't

00:12:09.292 --> 00:12:09.873 align:center
know any better.

00:12:10.233 --> 00:12:11.513 align:center
And so you didn't know that

00:12:11.533 --> 00:12:12.514 align:center
you made a lot of mistakes

00:12:12.574 --> 00:12:12.814 align:center
until

00:12:14.286 --> 00:12:15.827 align:center
you were hit with the ramifications

00:12:15.867 --> 00:12:16.188 align:center
from them.

00:12:16.828 --> 00:12:17.989 align:center
And I teach you how to

00:12:18.049 --> 00:12:18.590 align:center
reverse those.

00:12:19.350 --> 00:12:19.791 align:center
It's okay.

00:12:20.071 --> 00:12:21.172 align:center
All that matters is what you

00:12:21.192 --> 00:12:21.873 align:center
do from here.

00:12:22.693 --> 00:12:25.356 align:center
And there's no mistakes ever.

00:12:25.496 --> 00:12:26.497 align:center
There's only lessons.

00:12:26.717 --> 00:12:27.738 align:center
And as long as you learn

00:12:27.778 --> 00:12:29.639 align:center
the lesson, you will move forward.

00:12:29.859 --> 00:12:30.900 align:center
Even two years from now, the

00:12:30.920 --> 00:12:32.161 align:center
amount of progress you can make

00:12:32.742 --> 00:12:34.223 align:center
when you just make baby steps,

00:12:34.363 --> 00:12:36.305 align:center
do what you can and at

00:12:36.325 --> 00:12:37.666 align:center
your own pace, which is okay.

00:12:37.746 --> 00:12:39.227 align:center
Don't compare yourself to anybody else.

00:12:39.388 --> 00:12:40.669 align:center
This is your own unique journey

00:12:41.169 --> 00:12:42.010 align:center
and you can do it.

00:12:42.955 --> 00:12:43.555 align:center
Oh, my gosh.

00:12:44.036 --> 00:12:44.296 align:center
Wow.

00:12:44.456 --> 00:12:44.996 align:center
Thank you so much.

00:12:45.016 --> 00:12:46.517 align:center
You know, I'm looking at your

00:12:46.557 --> 00:12:48.459 align:center
website, as you're talking, and I'm

00:12:48.499 --> 00:12:49.900 align:center
looking at everything that you have,

00:12:50.260 --> 00:12:52.021 align:center
you have your books, Brian's books,

00:12:52.041 --> 00:12:54.863 align:center
the modern Savior, Savior, your mother's

00:12:54.883 --> 00:12:57.505 align:center
Savior, the modern saver, and the

00:12:57.625 --> 00:12:59.606 align:center
modern investor are available now.

00:13:00.967 --> 00:13:03.469 align:center
Tell me, why are they different?

00:13:03.629 --> 00:13:04.850 align:center
What is the difference between a

00:13:04.930 --> 00:13:06.331 align:center
saver and an investor?

00:13:07.532 --> 00:13:10.774 align:center
Okay, so we've all heard the

00:13:10.814 --> 00:13:12.095 align:center
stories, right, of how

00:13:13.581 --> 00:13:14.825 align:center
you know, go to school, get

00:13:14.845 --> 00:13:16.931 align:center
a good job, save as much

00:13:17.011 --> 00:13:18.777 align:center
money as you can, and you'll

00:13:18.797 --> 00:13:19.238 align:center
be all right.

00:13:20.325 --> 00:13:23.087 align:center
And that is extremely difficult to

00:13:23.127 --> 00:13:25.068 align:center
do in today's circumstances.

00:13:25.808 --> 00:13:28.650 align:center
And previous generations had the luxury

00:13:28.930 --> 00:13:32.673 align:center
of not having so many companies

00:13:33.233 --> 00:13:35.734 align:center
that are able to control things

00:13:35.814 --> 00:13:36.415 align:center
in their favor.

00:13:36.495 --> 00:13:38.376 align:center
So for example, when it comes

00:13:38.436 --> 00:13:39.917 align:center
to real estate, real estate and

00:13:39.997 --> 00:13:41.198 align:center
owning a home is something that

00:13:41.538 --> 00:13:43.539 align:center
is just embedded into the American

00:13:43.579 --> 00:13:43.839 align:center
dream.

00:13:44.079 --> 00:13:45.900 align:center
And it is even now, despite

00:13:45.920 --> 00:13:47.642 align:center
the circumstances and how expensive homes

00:13:47.702 --> 00:13:47.802 align:center
are,

00:13:48.542 --> 00:13:49.963 align:center
Everybody has a desire to own

00:13:50.003 --> 00:13:51.784 align:center
property in some regard, right?

00:13:52.744 --> 00:13:57.226 align:center
And versus today compared to previous

00:13:57.246 --> 00:14:00.088 align:center
generations, previous generations had the

00:14:00.128 --> 00:14:00.488 align:center
luxury

00:14:00.528 --> 00:14:02.269 align:center
of not having companies like Zillow

00:14:02.649 --> 00:14:04.810 align:center
or Redfin that buy up all

00:14:04.850 --> 00:14:07.111 align:center
the homes that are available before

00:14:07.352 --> 00:14:08.572 align:center
the average person even gets an

00:14:08.592 --> 00:14:09.333 align:center
opportunity to.

00:14:10.073 --> 00:14:11.814 align:center
And so with the modern saver

00:14:11.974 --> 00:14:13.975 align:center
and then the modern investor, I

00:14:14.035 --> 00:14:16.336 align:center
wanted to modernize the information that

00:14:16.396 --> 00:14:17.957 align:center
I am teaching and providing

00:14:19.315 --> 00:14:20.896 align:center
to match what we deal with

00:14:20.976 --> 00:14:21.297 align:center
today.

00:14:21.917 --> 00:14:23.399 align:center
And so for the modern saver,

00:14:23.439 --> 00:14:25.961 align:center
for example, you know, even

00:14:26.301 --> 00:14:27.742 align:center
years ago, you used to be

00:14:27.802 --> 00:14:28.943 align:center
able just to put money in

00:14:28.963 --> 00:14:30.685 align:center
the bank and you would, your

00:14:30.705 --> 00:14:32.286 align:center
money would grow steadily because the

00:14:32.366 --> 00:14:36.330 align:center
interest rates were about eight to I would say, and

00:14:36.550 --> 00:14:36.790 align:center
they're

00:14:36.830 --> 00:14:38.812 align:center
ticking up a little bit, but

00:14:38.892 --> 00:14:40.473 align:center
mostly with online banks.

00:14:41.094 --> 00:14:43.155 align:center
So before you would maybe go

00:14:43.175 --> 00:14:44.837 align:center
to Wells Fargo, you would put

00:14:45.931 --> 00:14:48.314 align:center
even bucks 200 a month, but

00:14:48.595 --> 00:14:49.876 align:center
it would be attached to an

00:14:49.956 --> 00:14:51.559 align:center
eight or interest rate.

00:14:51.599 --> 00:14:53.421 align:center
So over time, your money's growing

00:14:53.461 --> 00:14:54.362 align:center
by just keeping it there.

00:14:54.923 --> 00:14:57.867 align:center
But today, with traditional banks, good

00:14:58.488 --> 00:15:00.110 align:center
interest rates are almost non existent.

00:15:01.151 --> 00:15:01.472 align:center
And so

00:15:02.927 --> 00:15:05.909 align:center
I modernized the information and explain

00:15:05.929 --> 00:15:09.051 align:center
that Capital One, American Express, they

00:15:09.171 --> 00:15:10.972 align:center
all have online banks that offer

00:15:11.073 --> 00:15:12.834 align:center
interest rates of or higher.

00:15:12.854 --> 00:15:15.415 align:center
And so the information just needed

00:15:15.455 --> 00:15:16.236 align:center
to be updated.

00:15:16.676 --> 00:15:18.117 align:center
It's not that it was completely

00:15:18.517 --> 00:15:19.158 align:center
inaccurate.

00:15:19.318 --> 00:15:21.680 align:center
It's just the tools that we

00:15:21.740 --> 00:15:23.281 align:center
have now, like the challenges that

00:15:23.321 --> 00:15:25.022 align:center
we have now are unique to

00:15:25.062 --> 00:15:27.363 align:center
this generation and to our current

00:15:27.383 --> 00:15:27.664 align:center
times.

00:15:28.304 --> 00:15:31.166 align:center
And so even companies like Affirm

00:15:31.226 --> 00:15:32.347 align:center
and Afterpay, Venmo,

00:15:33.408 --> 00:15:36.350 align:center
I explain how they fit into

00:15:37.011 --> 00:15:38.292 align:center
our lives now because, you know,

00:15:38.332 --> 00:15:39.773 align:center
they didn't exist even years

00:15:39.813 --> 00:15:39.994 align:center
ago.

00:15:40.774 --> 00:15:43.317 align:center
And so modern for both of

00:15:43.377 --> 00:15:46.319 align:center
the books is I modernize the

00:15:46.379 --> 00:15:48.601 align:center
information that was available and explain

00:15:48.621 --> 00:15:50.083 align:center
how it's applicable to our lives

00:15:50.463 --> 00:15:50.864 align:center
today.

00:15:51.444 --> 00:15:53.066 align:center
Yeah, that is awesome.

00:15:53.126 --> 00:15:53.726 align:center
That is awesome.

00:15:54.066 --> 00:15:56.068 align:center
You know, I am a modern

00:15:56.148 --> 00:15:56.689 align:center
investor, right?

00:15:58.881 --> 00:16:00.201 align:center
because I like investing.

00:16:00.322 --> 00:16:02.463 align:center
I like taking money and making

00:16:02.503 --> 00:16:03.504 align:center
more money with the money.

00:16:04.665 --> 00:16:05.465 align:center
No, exactly.

00:16:06.586 --> 00:16:08.067 align:center
It's an interest.

00:16:08.127 --> 00:16:09.188 align:center
It's like, that's amazing.

00:16:09.628 --> 00:16:10.609 align:center
Yeah, I mean, I'm not a

00:16:10.649 --> 00:16:11.029 align:center
saver.

00:16:11.229 --> 00:16:12.530 align:center
I can't save anything.

00:16:12.690 --> 00:16:13.971 align:center
Literally speaking, I don't know what

00:16:14.011 --> 00:16:14.331 align:center
it is.

00:16:14.852 --> 00:16:15.832 align:center
I cannot save anything.

00:16:15.872 --> 00:16:16.653 align:center
But if you put it in

00:16:16.693 --> 00:16:18.294 align:center
an investment account, I'm like, ooh,

00:16:18.334 --> 00:16:18.975 align:center
what can I buy?

00:16:19.555 --> 00:16:22.877 align:center
So it's like, to me, purchasing

00:16:22.937 --> 00:16:26.080 align:center
and investing in something is more

00:16:26.120 --> 00:16:29.022 align:center
like me having that shopping kind

00:16:29.142 --> 00:16:29.182 align:center
of...

00:16:29.702 --> 00:16:31.504 align:center
how you say like that when

00:16:31.544 --> 00:16:33.086 align:center
you go shopping and you have

00:16:33.126 --> 00:16:34.868 align:center
like shop therapy you know when

00:16:34.908 --> 00:16:36.249 align:center
you're shopping it's like out there

00:16:36.550 --> 00:16:38.872 align:center
so to me investing is like

00:16:39.032 --> 00:16:40.874 align:center
shopping it gives me that thing

00:16:40.914 --> 00:16:43.117 align:center
but also i'm looking at my

00:16:43.337 --> 00:16:45.079 align:center
my investments and i'm going wow

00:16:45.139 --> 00:16:46.400 align:center
i made like i made like

00:16:46.440 --> 00:16:48.062 align:center
a few hundred dollars with that

00:16:48.082 --> 00:16:49.043 align:center
they put some more money in

00:16:49.063 --> 00:16:50.385 align:center
there oh yeah

00:16:52.397 --> 00:16:54.838 align:center
And that's exactly my point that

00:16:55.619 --> 00:16:58.320 align:center
it's so important to also master

00:16:58.601 --> 00:17:00.962 align:center
your emotions because you can operate

00:17:01.102 --> 00:17:02.583 align:center
off of positive ones that help

00:17:02.603 --> 00:17:05.405 align:center
you or if they're unchecked, too

00:17:05.425 --> 00:17:06.566 align:center
much of anything is bad, right?

00:17:06.746 --> 00:17:08.107 align:center
Everything has to be in balance.

00:17:08.627 --> 00:17:11.449 align:center
And to be honest, I know

00:17:11.469 --> 00:17:12.710 align:center
a lot of people like that

00:17:12.770 --> 00:17:12.950 align:center
where

00:17:13.470 --> 00:17:14.771 align:center
a lot of people are interested

00:17:14.811 --> 00:17:15.391 align:center
in investing.

00:17:15.811 --> 00:17:17.272 align:center
But when it comes to the

00:17:17.332 --> 00:17:19.693 align:center
foundational financial literacy, the

00:17:19.753 --> 00:17:20.313 align:center
importance of

00:17:20.373 --> 00:17:21.894 align:center
it often gets overlooked.

00:17:22.274 --> 00:17:23.455 align:center
And an example that I have

00:17:23.475 --> 00:17:25.136 align:center
in my book, The Modern Saver,

00:17:25.816 --> 00:17:27.997 align:center
is we've all been in a

00:17:28.037 --> 00:17:30.018 align:center
situation where we get a raise,

00:17:30.378 --> 00:17:31.779 align:center
like maybe we win money off

00:17:31.819 --> 00:17:33.380 align:center
of a scratcher, like we get

00:17:33.440 --> 00:17:35.541 align:center
a bonus from work or we

00:17:35.601 --> 00:17:37.502 align:center
sell some of our possessions and

00:17:37.542 --> 00:17:39.563 align:center
we get a small windfall of

00:17:39.603 --> 00:17:39.783 align:center
money.

00:17:39.803 --> 00:17:41.084 align:center
And sometimes it's a lot, right?

00:17:42.153 --> 00:17:43.534 align:center
A lot of us have that

00:17:43.774 --> 00:17:45.915 align:center
instant instinct to just spend it.

00:17:46.616 --> 00:17:48.176 align:center
And why?

00:17:49.017 --> 00:17:50.918 align:center
If you don't check that emotion,

00:17:51.318 --> 00:17:52.859 align:center
that money can easily be gone

00:17:53.319 --> 00:17:55.120 align:center
or you'll go negative.

00:17:55.841 --> 00:17:57.181 align:center
And during the onset of the

00:17:57.221 --> 00:17:59.202 align:center
pandemic, we got some of the

00:17:59.222 --> 00:18:01.184 align:center
stimulus checks, one from Biden and

00:18:01.224 --> 00:18:02.364 align:center
then I believe one from Trump

00:18:02.404 --> 00:18:02.524 align:center
too.

00:18:04.690 --> 00:18:06.395 align:center
people went out and bought cars,

00:18:07.037 --> 00:18:08.943 align:center
even though they are an expensive

00:18:09.023 --> 00:18:10.046 align:center
commodity, right?

00:18:10.087 --> 00:18:11.591 align:center
Cars are super expensive now.

00:18:12.421 --> 00:18:15.222 align:center
But in people's minds, they made

00:18:15.442 --> 00:18:16.762 align:center
a lot more money and their

00:18:16.842 --> 00:18:18.503 align:center
natural instinct was to just spend

00:18:18.543 --> 00:18:19.043 align:center
it right away.

00:18:19.463 --> 00:18:22.143 align:center
Instead of actually calculating where that

00:18:22.203 --> 00:18:25.024 align:center
money actually fit into their budget,

00:18:25.624 --> 00:18:28.265 align:center
they thought to themselves, well, I

00:18:28.305 --> 00:18:29.725 align:center
made more money and I make

00:18:30.025 --> 00:18:31.966 align:center
more money, which is actually not

00:18:32.026 --> 00:18:32.266 align:center
true.

00:18:32.426 --> 00:18:34.507 align:center
They just thought, I'm going to

00:18:34.527 --> 00:18:35.447 align:center
make it back right away.

00:18:36.087 --> 00:18:38.027 align:center
And that is a fatal flaw.

00:18:38.087 --> 00:18:39.048 align:center
And people do that when it

00:18:39.108 --> 00:18:39.528 align:center
comes to

00:18:40.492 --> 00:18:42.093 align:center
their raises, when it comes to

00:18:42.133 --> 00:18:43.613 align:center
their bonuses, they just think I

00:18:43.653 --> 00:18:45.254 align:center
can spend more because I make

00:18:45.314 --> 00:18:45.694 align:center
more now.

00:18:46.354 --> 00:18:48.715 align:center
And it's not to discourage anybody.

00:18:49.256 --> 00:18:50.936 align:center
Getting a raise or any type

00:18:50.976 --> 00:18:53.878 align:center
of extra income source is very

00:18:53.938 --> 00:18:54.338 align:center
beautiful.

00:18:54.618 --> 00:18:55.518 align:center
It is fun.

00:18:56.059 --> 00:18:57.899 align:center
Having extra money is like there's

00:18:57.939 --> 00:18:59.360 align:center
no better feeling than that.

00:18:59.880 --> 00:19:00.060 align:center
No.

00:19:00.500 --> 00:19:01.501 align:center
But in order for it to

00:19:01.521 --> 00:19:03.802 align:center
be an advantage for you, you

00:19:03.842 --> 00:19:06.063 align:center
have to know and actually calculate

00:19:07.145 --> 00:19:08.286 align:center
where it's going to go to.

00:19:08.326 --> 00:19:10.288 align:center
You can't just like blindly just

00:19:10.328 --> 00:19:11.549 align:center
spend money thinking you're going to

00:19:11.629 --> 00:19:12.510 align:center
instantly get it back.

00:19:12.730 --> 00:19:14.611 align:center
You have to actually calculate what

00:19:14.711 --> 00:19:15.612 align:center
impact it's going to have.

00:19:15.792 --> 00:19:16.072 align:center
Okay.

00:19:16.453 --> 00:19:18.014 align:center
If you get an extra

00:19:18.735 --> 00:19:20.256 align:center
save of it and then

00:19:20.556 --> 00:19:21.857 align:center
splurge on the if you

00:19:21.897 --> 00:19:24.139 align:center
want to, but like know where

00:19:24.259 --> 00:19:26.381 align:center
it's going instead of just wondering

00:19:26.421 --> 00:19:27.682 align:center
later, like, Oh my God,

00:19:28.046 --> 00:19:28.586 align:center
Where did it go?

00:19:28.606 --> 00:19:31.088 align:center
Yeah.

00:19:31.509 --> 00:19:34.090 align:center
Well, have an automatic saving.

00:19:34.130 --> 00:19:36.973 align:center
So every month automatically for me,

00:19:37.253 --> 00:19:39.594 align:center
there's a specific amount of money,

00:19:39.614 --> 00:19:40.335 align:center
no matter what.

00:19:40.795 --> 00:19:41.816 align:center
And I never touch it.

00:19:41.936 --> 00:19:43.277 align:center
It always goes straight into my

00:19:43.337 --> 00:19:43.958 align:center
investment account.

00:19:43.998 --> 00:19:44.878 align:center
And then all of a sudden

00:19:44.898 --> 00:19:46.059 align:center
I get an alert like, hey,

00:19:46.099 --> 00:19:47.120 align:center
you got more money in your

00:19:47.140 --> 00:19:48.401 align:center
investment account to invest in.

00:19:48.461 --> 00:19:49.302 align:center
What do you want to do?

00:19:49.682 --> 00:19:50.823 align:center
It's like, oh, shopping.

00:19:51.243 --> 00:19:52.064 align:center
You know what I mean?

00:19:52.184 --> 00:19:53.044 align:center
It's like, okay, yay.

00:19:54.205 --> 00:19:55.346 align:center
so that's how i built it

00:19:55.486 --> 00:19:56.907 align:center
up and in times of need

00:19:56.947 --> 00:19:57.868 align:center
like when we did have the

00:19:57.888 --> 00:19:59.429 align:center
pandemic i was able to go

00:19:59.469 --> 00:20:00.991 align:center
in there and grab some money

00:20:01.191 --> 00:20:02.912 align:center
and then make sure that some

00:20:02.932 --> 00:20:03.993 align:center
of my bills got paid because

00:20:04.033 --> 00:20:05.494 align:center
i had a surplus of money

00:20:05.914 --> 00:20:06.955 align:center
that i could use at the

00:20:06.995 --> 00:20:08.616 align:center
moment but i didn't like that

00:20:08.737 --> 00:20:10.018 align:center
other money that came through i

00:20:10.118 --> 00:20:11.058 align:center
used it for my bills i

00:20:11.078 --> 00:20:12.419 align:center
mean i didn't even like touch

00:20:12.439 --> 00:20:14.761 align:center
that but so weird because you're

00:20:14.841 --> 00:20:16.303 align:center
right a lot of people did

00:20:16.543 --> 00:20:18.584 align:center
use some more money to splurge

00:20:18.664 --> 00:20:20.306 align:center
when they really should not have

00:20:20.926 --> 00:20:23.008 align:center
and i think that we um

00:20:23.428 --> 00:20:25.050 align:center
we really went into a like

00:20:25.090 --> 00:20:27.032 align:center
a downfall in in that time

00:20:27.212 --> 00:20:27.893 align:center
but we're going to take a

00:20:27.953 --> 00:20:28.994 align:center
short break and we'll be right

00:20:29.014 --> 00:20:30.496 align:center
back because i do have a

00:20:30.536 --> 00:20:32.057 align:center
question for you you know in

00:20:32.097 --> 00:20:34.039 align:center
your courses you have you know

00:20:34.160 --> 00:20:36.722 align:center
the modern uh saver and the

00:20:37.063 --> 00:20:39.565 align:center
modern investor um which one do

00:20:39.585 --> 00:20:41.708 align:center
you suggest for a couple different

00:20:41.728 --> 00:20:43.169 align:center
types of people hold on a

00:20:43.229 --> 00:20:44.310 align:center
second we'll be right back don't

00:20:44.330 --> 00:20:44.851 align:center
you go anywhere

00:20:45.834 --> 00:20:47.216 align:center
Get worldwide airplay.

00:20:47.336 --> 00:20:49.058 align:center
Boost online streaming and sales.

00:20:49.539 --> 00:20:51.181 align:center
Get noticed by major labels like

00:20:51.261 --> 00:20:53.665 align:center
BMG, Sony Music, and Empire.

00:20:53.765 --> 00:20:56.148 align:center
Your videos aired on TV in

00:20:56.248 --> 00:20:57.229 align:center
millions of homes.

00:20:57.470 --> 00:20:59.232 align:center
See what Never Stop Entertainment can

00:20:59.272 --> 00:20:59.773 align:center
do for you.

00:20:59.993 --> 00:21:02.016 align:center
Visit us now at NeverStopENT.com.

00:21:05.856 --> 00:21:07.016 align:center
oh my gosh i am just

00:21:07.136 --> 00:21:08.577 align:center
so so very excited to have

00:21:08.737 --> 00:21:09.877 align:center
my guest on the show he's

00:21:09.917 --> 00:21:11.438 align:center
talking about finances and getting it

00:21:11.498 --> 00:21:13.058 align:center
together and not only that getting

00:21:13.098 --> 00:21:14.579 align:center
it together but also getting yourself

00:21:14.619 --> 00:21:16.099 align:center
together even though you don't want

00:21:16.119 --> 00:21:17.560 align:center
to see it even though you

00:21:17.620 --> 00:21:18.760 align:center
don't want to see your finances

00:21:18.800 --> 00:21:20.380 align:center
you have to see your fight

00:21:20.801 --> 00:21:21.641 align:center
you got to get this in

00:21:21.681 --> 00:21:22.741 align:center
check man i'm telling you you

00:21:22.801 --> 00:21:23.621 align:center
have to get this in check

00:21:24.082 --> 00:21:25.342 align:center
and we have brian here and

00:21:25.382 --> 00:21:26.922 align:center
he's helping us even though we

00:21:26.962 --> 00:21:27.863 align:center
don't want to be we do

00:21:27.903 --> 00:21:28.963 align:center
want to be helped oh we

00:21:29.083 --> 00:21:30.324 align:center
don't want to be yes we

00:21:30.364 --> 00:21:32.124 align:center
do shut up let's do this

00:21:32.144 --> 00:21:33.625 align:center
hi brian thank you so much

00:21:33.685 --> 00:21:34.765 align:center
again for joining us

00:21:35.205 --> 00:21:36.806 align:center
Of course, I'm having a lot

00:21:36.826 --> 00:21:37.206 align:center
of fun.

00:21:37.987 --> 00:21:38.767 align:center
Oh, I am too.

00:21:39.148 --> 00:21:40.128 align:center
I think that we do have

00:21:40.148 --> 00:21:41.469 align:center
those double personalities.

00:21:41.549 --> 00:21:43.050 align:center
And also some people have one

00:21:43.090 --> 00:21:45.032 align:center
kind of personality and another person

00:21:45.052 --> 00:21:46.012 align:center
may have something different.

00:21:46.553 --> 00:21:47.694 align:center
When you look at your books

00:21:47.754 --> 00:21:49.415 align:center
and when you advise people on

00:21:49.515 --> 00:21:50.756 align:center
which one they should go for,

00:21:50.856 --> 00:21:52.457 align:center
is there a specific book that

00:21:52.497 --> 00:21:54.718 align:center
you recommend to one type of

00:21:54.738 --> 00:21:56.500 align:center
people and then another to another

00:21:56.520 --> 00:21:57.060 align:center
kind of people?

00:21:57.640 --> 00:21:59.702 align:center
So what I would suggest is

00:22:00.522 --> 00:22:01.883 align:center
depending on how you like to

00:22:01.943 --> 00:22:04.025 align:center
consume information, that would be

00:22:05.049 --> 00:22:07.030 align:center
the number one, that would be

00:22:07.050 --> 00:22:08.211 align:center
the number one criteria.

00:22:08.571 --> 00:22:11.253 align:center
Because here's the thing, like, you

00:22:11.293 --> 00:22:13.194 align:center
know how sometimes we have all

00:22:13.214 --> 00:22:14.514 align:center
been in a situation where we

00:22:14.534 --> 00:22:15.435 align:center
try to have like a new

00:22:15.475 --> 00:22:16.956 align:center
workout routine and stuff like that.

00:22:17.456 --> 00:22:20.098 align:center
And the easiest routine to stick

00:22:20.138 --> 00:22:21.238 align:center
to is the one that works

00:22:21.258 --> 00:22:22.099 align:center
within your schedule.

00:22:22.479 --> 00:22:22.579 align:center
And

00:22:23.019 --> 00:22:24.041 align:center
is one that you enjoy.

00:22:24.081 --> 00:22:26.304 align:center
So like, if, you know, the

00:22:26.364 --> 00:22:28.006 align:center
trend is, well, everybody likes to

00:22:28.026 --> 00:22:30.028 align:center
bike ride, but you hate bike

00:22:30.068 --> 00:22:31.130 align:center
riding, you are not going to

00:22:31.170 --> 00:22:32.471 align:center
stick to that workout plan.

00:22:32.812 --> 00:22:34.734 align:center
You got to enjoy, right?

00:22:34.834 --> 00:22:36.156 align:center
It's just, we've all been there,

00:22:36.196 --> 00:22:36.336 align:center
right?

00:22:36.356 --> 00:22:38.079 align:center
Because there's so many health trends,

00:22:38.099 --> 00:22:39.641 align:center
like, you know, everybody was on

00:22:39.721 --> 00:22:40.241 align:center
Peloton,

00:22:40.822 --> 00:22:42.283 align:center
for the longest time and then

00:22:42.343 --> 00:22:44.643 align:center
everybody is selling them now right

00:22:45.143 --> 00:22:46.964 align:center
and then because if you like

00:22:47.004 --> 00:22:48.084 align:center
to hike if you like to

00:22:48.124 --> 00:22:49.225 align:center
jump rope if you like to

00:22:49.265 --> 00:22:50.745 align:center
do water aerobics whatever it is

00:22:51.125 --> 00:22:52.086 align:center
people try to do like a

00:22:52.126 --> 00:22:54.426 align:center
complete overhaul of like how they

00:22:54.466 --> 00:22:56.147 align:center
normally do things without taking into

00:22:56.187 --> 00:22:58.608 align:center
consideration what actually appeals to them

00:22:59.228 --> 00:23:01.649 align:center
so i would say if you're

00:23:01.669 --> 00:23:03.730 align:center
starting from square one or want

00:23:04.510 --> 00:23:04.530 align:center
a

00:23:05.698 --> 00:23:08.220 align:center
Over overview and a refresh that

00:23:08.300 --> 00:23:09.340 align:center
isn't too overwhelming.

00:23:09.941 --> 00:23:11.221 align:center
I would suggest starting with my

00:23:11.281 --> 00:23:13.603 align:center
course because I will focus it's

00:23:13.643 --> 00:23:14.783 align:center
comprised of three lessons.

00:23:15.344 --> 00:23:16.424 align:center
And if you buy the bundle,

00:23:16.504 --> 00:23:17.905 align:center
you get the three lessons and

00:23:18.065 --> 00:23:18.765 align:center
both of my books.

00:23:19.486 --> 00:23:21.447 align:center
Now, what I would suggest is

00:23:22.665 --> 00:23:25.286 align:center
My course focuses on the emotions,

00:23:25.426 --> 00:23:28.147 align:center
investing, and the foundational financial

00:23:28.167 --> 00:23:28.587 align:center
literacy.

00:23:29.208 --> 00:23:31.189 align:center
But it's more the initial nuggets.

00:23:31.349 --> 00:23:32.749 align:center
It's information that you can put

00:23:32.809 --> 00:23:36.431 align:center
into motion right away, and it's

00:23:36.491 --> 00:23:37.491 align:center
not overwhelming.

00:23:37.831 --> 00:23:39.552 align:center
And I also voiced over the

00:23:39.612 --> 00:23:39.972 align:center
lessons.

00:23:40.292 --> 00:23:41.273 align:center
So for those of you who

00:23:41.293 --> 00:23:42.633 align:center
are listening and watching and think

00:23:42.653 --> 00:23:43.774 align:center
that I have a pleasant voice,

00:23:44.534 --> 00:23:46.215 align:center
then you will also have my

00:23:46.255 --> 00:23:47.576 align:center
voice as a voiceover for the

00:23:47.616 --> 00:23:47.976 align:center
lessons.

00:23:49.057 --> 00:23:51.018 align:center
I hired the wonderful narrator, Sky

00:23:51.118 --> 00:23:53.640 align:center
Alley, if you prefer audiobook format

00:23:54.220 --> 00:23:55.161 align:center
for both of my books, and

00:23:55.181 --> 00:23:56.082 align:center
she narrated both.

00:23:56.842 --> 00:23:58.323 align:center
But they're also available in digital

00:23:58.363 --> 00:23:58.743 align:center
format.

00:23:59.064 --> 00:24:00.925 align:center
And I should note, too, that

00:24:01.085 --> 00:24:02.606 align:center
if you buy the bundle with

00:24:03.046 --> 00:24:05.148 align:center
my course and the books, you

00:24:05.168 --> 00:24:06.769 align:center
get the digital version of the

00:24:06.829 --> 00:24:07.509 align:center
books only.

00:24:07.970 --> 00:24:10.351 align:center
But through Amazon, they are also

00:24:10.391 --> 00:24:11.392 align:center
available in paperback.

00:24:11.852 --> 00:24:14.154 align:center
And then audiobook through iTunes and

00:24:14.234 --> 00:24:14.534 align:center
Audible.

00:24:15.275 --> 00:24:17.617 align:center
Now, my personal suggestion, as I

00:24:17.657 --> 00:24:19.098 align:center
said, if you're starting from square

00:24:19.278 --> 00:24:20.399 align:center
one and you kind of have

00:24:20.779 --> 00:24:21.920 align:center
no idea how any of this

00:24:21.980 --> 00:24:23.701 align:center
works or you want a refresher,

00:24:23.861 --> 00:24:25.042 align:center
I would suggest starting with the

00:24:25.082 --> 00:24:25.343 align:center
course.

00:24:25.763 --> 00:24:26.944 align:center
You have my own narration.

00:24:26.984 --> 00:24:29.706 align:center
So anytime extra context was needed,

00:24:30.126 --> 00:24:30.807 align:center
I provided it.

00:24:31.387 --> 00:24:33.209 align:center
And it is completely self-paced.

00:24:33.929 --> 00:24:35.649 align:center
And it is a one time

00:24:35.689 --> 00:24:35.909 align:center
fee.

00:24:35.929 --> 00:24:37.770 align:center
There's no other hidden crap or

00:24:37.830 --> 00:24:39.690 align:center
anything like that or a newsletter

00:24:39.810 --> 00:24:40.590 align:center
or anything like that.

00:24:40.650 --> 00:24:41.871 align:center
It's all of the information that

00:24:41.911 --> 00:24:42.331 align:center
you'll need.

00:24:42.911 --> 00:24:44.491 align:center
And then when you get to

00:24:44.511 --> 00:24:46.672 align:center
the books, you then expand on

00:24:46.712 --> 00:24:48.432 align:center
your knowledge and go much deeper

00:24:48.572 --> 00:24:51.253 align:center
and actually learn how to connect

00:24:51.333 --> 00:24:53.153 align:center
everything and create that custom blueprint

00:24:53.573 --> 00:24:55.033 align:center
for your own desires.

00:24:55.774 --> 00:24:57.294 align:center
Now, if you are someone who

00:24:58.294 --> 00:25:00.556 align:center
is beyond the basics and you

00:25:00.636 --> 00:25:02.977 align:center
want more of a modern approach

00:25:03.117 --> 00:25:05.499 align:center
and updated information then i would

00:25:05.539 --> 00:25:07.760 align:center
just start with the books if

00:25:07.800 --> 00:25:09.021 align:center
you think you're missing the more

00:25:09.622 --> 00:25:12.003 align:center
foundational information regarding like what

00:25:12.043 --> 00:25:12.143 align:center
has

00:25:12.183 --> 00:25:14.105 align:center
changed with the credit score system

00:25:14.185 --> 00:25:15.666 align:center
how to repair your credit build

00:25:15.706 --> 00:25:17.567 align:center
an emergency fund i would start

00:25:17.587 --> 00:25:19.508 align:center
with the modern saver but if

00:25:19.648 --> 00:25:20.989 align:center
you feel okay when it comes

00:25:21.069 --> 00:25:21.209 align:center
to

00:25:22.230 --> 00:25:24.434 align:center
the foundational literacy, maybe you have

00:25:24.494 --> 00:25:26.977 align:center
savings already, you don't have any

00:25:27.318 --> 00:25:28.800 align:center
errors on your credit history or

00:25:28.840 --> 00:25:31.044 align:center
mistakes, I'm sorry, and you just

00:25:31.945 --> 00:25:33.748 align:center
investing is overwhelming for you, then

00:25:33.788 --> 00:25:34.910 align:center
I would start with the investor.

00:25:36.561 --> 00:25:38.263 align:center
my course and the books, I

00:25:38.303 --> 00:25:39.764 align:center
designed all of them to not

00:25:39.804 --> 00:25:41.566 align:center
have to be read or completed

00:25:41.626 --> 00:25:42.666 align:center
in a specific order.

00:25:43.447 --> 00:25:45.389 align:center
And as I mentioned too, my

00:25:45.569 --> 00:25:46.730 align:center
quiz can really help with that

00:25:46.770 --> 00:25:48.531 align:center
because it'll help you learn where

00:25:48.571 --> 00:25:50.473 align:center
your own knowledge gaps are and

00:25:50.653 --> 00:25:52.254 align:center
it'll recommend what order to do

00:25:52.294 --> 00:25:52.535 align:center
them in.

00:25:53.075 --> 00:25:53.876 align:center
That is so good.

00:25:54.136 --> 00:25:54.797 align:center
That is so good.

00:25:55.217 --> 00:25:56.858 align:center
And I appreciate you coming on

00:25:56.878 --> 00:25:57.559 align:center
the show and

00:25:58.061 --> 00:25:59.722 align:center
and telling us about these because

00:25:59.802 --> 00:26:00.743 align:center
it is overwhelming.

00:26:00.803 --> 00:26:02.524 align:center
It's like, okay, so where do

00:26:02.584 --> 00:26:03.065 align:center
I begin?

00:26:03.105 --> 00:26:04.906 align:center
You know, I've never ever done

00:26:04.986 --> 00:26:06.667 align:center
anything like this and repairing my

00:26:06.707 --> 00:26:08.569 align:center
credit is like overwhelming to begin

00:26:08.629 --> 00:26:10.971 align:center
with because you said you haven't

00:26:11.011 --> 00:26:12.412 align:center
been taught how to do this

00:26:12.532 --> 00:26:14.133 align:center
and can you do this?

00:26:14.153 --> 00:26:15.634 align:center
Some people don't even know that

00:26:15.654 --> 00:26:16.134 align:center
they can.

00:26:16.575 --> 00:26:17.135 align:center
You know what I mean?

00:26:17.175 --> 00:26:18.056 align:center
They don't even know that they

00:26:18.096 --> 00:26:19.757 align:center
can get out of, you know,

00:26:19.877 --> 00:26:20.998 align:center
and get from under.

00:26:21.018 --> 00:26:22.459 align:center
They think that they're always gonna

00:26:22.479 --> 00:26:23.240 align:center
be under, you know?

00:26:24.761 --> 00:26:26.363 align:center
And so that is amazing.

00:26:27.284 --> 00:26:29.226 align:center
What kind of advice do you

00:26:29.306 --> 00:26:31.288 align:center
have for the people out there

00:26:31.369 --> 00:26:33.271 align:center
that are trying to get back

00:26:33.591 --> 00:26:35.493 align:center
over and get from under?

00:26:37.475 --> 00:26:38.456 align:center
So starting from?

00:26:38.476 --> 00:26:41.099 align:center
Point zero, darling.

00:26:41.139 --> 00:26:41.920 align:center
Just nothing.

00:26:42.020 --> 00:26:42.781 align:center
We got nothing.

00:26:42.801 --> 00:26:43.122 align:center
Okay.

00:26:45.074 --> 00:26:48.096 align:center
my my advice is what's most

00:26:48.177 --> 00:26:49.918 align:center
important is that you simply start

00:26:50.859 --> 00:26:54.582 align:center
because again without mastering the emotional

00:26:54.662 --> 00:26:56.783 align:center
and the mental aspect a lot

00:26:56.823 --> 00:26:58.285 align:center
of us wait to take action

00:26:58.445 --> 00:26:59.826 align:center
not just with finances but just

00:27:00.306 --> 00:27:01.907 align:center
our health you know like

00:27:02.708 --> 00:27:04.448 align:center
going back to school, getting the

00:27:04.488 --> 00:27:06.049 align:center
career that we always wanted, whatever

00:27:06.109 --> 00:27:07.269 align:center
it is, we all have our

00:27:07.349 --> 00:27:09.390 align:center
own goals and desires and no

00:27:09.450 --> 00:27:10.990 align:center
one wants to fail and no

00:27:11.050 --> 00:27:12.230 align:center
one wants to feel inadequate.

00:27:12.290 --> 00:27:13.351 align:center
Maybe you don't have the best

00:27:13.391 --> 00:27:14.971 align:center
people around you that motivate you

00:27:15.551 --> 00:27:17.072 align:center
or you've had a business partner

00:27:17.112 --> 00:27:18.972 align:center
betray you, whatever it is, like

00:27:19.212 --> 00:27:21.173 align:center
we have all dealt with disappointment

00:27:21.273 --> 00:27:22.153 align:center
and pain in our lives.

00:27:22.733 --> 00:27:24.153 align:center
And it's normally that pain that

00:27:24.433 --> 00:27:26.254 align:center
holds us back because we don't

00:27:26.454 --> 00:27:27.374 align:center
ever want to feel like that

00:27:27.414 --> 00:27:27.634 align:center
again.

00:27:28.094 --> 00:27:29.635 align:center
So without realizing

00:27:30.788 --> 00:27:32.329 align:center
We often obsess with the little

00:27:32.369 --> 00:27:32.769 align:center
details.

00:27:33.010 --> 00:27:35.211 align:center
We obsess with the best way

00:27:35.591 --> 00:27:37.433 align:center
to do something, the fastest way

00:27:37.473 --> 00:27:38.053 align:center
to do something.

00:27:38.293 --> 00:27:39.614 align:center
When in reality, what we're really

00:27:39.654 --> 00:27:42.196 align:center
searching for is the best method

00:27:42.236 --> 00:27:43.757 align:center
that just doesn't allow us to

00:27:43.817 --> 00:27:44.037 align:center
fail.

00:27:44.498 --> 00:27:47.280 align:center
So we don't feel inadequate or

00:27:47.780 --> 00:27:48.781 align:center
have to deal with something that

00:27:48.861 --> 00:27:49.781 align:center
we can't foresee.

00:27:49.801 --> 00:27:52.744 align:center
And what's most important is that

00:27:52.784 --> 00:27:54.305 align:center
you simply start.

00:27:55.045 --> 00:27:55.285 align:center
Right.

00:27:57.166 --> 00:27:59.107 align:center
My great teacher, I love Tony

00:27:59.127 --> 00:27:59.447 align:center
Robbins.

00:27:59.507 --> 00:28:00.308 align:center
I love a lot of his

00:28:00.348 --> 00:28:00.728 align:center
teachings.

00:28:00.888 --> 00:28:01.708 align:center
And one of the things that

00:28:01.768 --> 00:28:03.929 align:center
he always said is progress equals

00:28:03.969 --> 00:28:06.490 align:center
happiness, not the attainment of your

00:28:06.530 --> 00:28:06.770 align:center
goal.

00:28:07.311 --> 00:28:09.752 align:center
Because simply knowing that you started

00:28:09.992 --> 00:28:11.793 align:center
and whatever area of your life

00:28:11.913 --> 00:28:13.133 align:center
that you feel you're struggling in

00:28:13.153 --> 00:28:14.694 align:center
the most, once you just start

00:28:14.754 --> 00:28:17.215 align:center
moving and you start making progress,

00:28:17.675 --> 00:28:18.856 align:center
the amount of stress that comes

00:28:18.896 --> 00:28:21.357 align:center
off of your shoulders is unbelievable.

00:28:21.917 --> 00:28:23.098 align:center
Because it's not as overwhelming.

00:28:23.118 --> 00:28:24.438 align:center
You know that you're making progress

00:28:24.478 --> 00:28:26.219 align:center
rather than just keeping the door

00:28:26.259 --> 00:28:27.580 align:center
shut and just knowing it's something

00:28:27.620 --> 00:28:28.441 align:center
you have to work on.

00:28:29.061 --> 00:28:31.242 align:center
So I would say it's okay

00:28:31.282 --> 00:28:32.043 align:center
to feel overwhelmed.

00:28:32.623 --> 00:28:33.323 align:center
I have been there.

00:28:33.663 --> 00:28:34.964 align:center
So many people are there with

00:28:35.004 --> 00:28:35.144 align:center
you.

00:28:35.825 --> 00:28:37.806 align:center
But the instant you take even

00:28:37.846 --> 00:28:39.567 align:center
just the first step, you're miles

00:28:39.647 --> 00:28:41.048 align:center
ahead of everybody else who haven't

00:28:41.128 --> 00:28:41.448 align:center
started.

00:28:42.028 --> 00:28:44.209 align:center
It's just nothing happens without action

00:28:44.630 --> 00:28:46.010 align:center
and making sure that your thoughts,

00:28:46.571 --> 00:28:48.432 align:center
your beliefs, your emotions,

00:28:49.514 --> 00:28:50.955 align:center
is in alignment with who you

00:28:51.015 --> 00:28:52.315 align:center
want to be and who you

00:28:52.355 --> 00:28:53.255 align:center
believe you truly are.

00:28:53.896 --> 00:28:55.356 align:center
And no matter where you go,

00:28:55.536 --> 00:28:56.557 align:center
go with all of your heart

00:28:57.197 --> 00:28:58.878 align:center
and your energy and good things

00:28:58.898 --> 00:28:59.358 align:center
will happen.

00:28:59.518 --> 00:29:00.778 align:center
But you just you have to

00:29:00.818 --> 00:29:01.078 align:center
start.

00:29:01.499 --> 00:29:03.079 align:center
Don't obsess over the little details.

00:29:03.719 --> 00:29:05.040 align:center
Make adjustments along the way.

00:29:05.280 --> 00:29:06.520 align:center
Nothing is going to be perfect

00:29:07.141 --> 00:29:07.561 align:center
right away.

00:29:07.621 --> 00:29:08.741 align:center
It's just that doesn't exist.

00:29:09.682 --> 00:29:12.163 align:center
And although the results will not

00:29:12.203 --> 00:29:14.603 align:center
be instant, it will be much

00:29:14.703 --> 00:29:15.804 align:center
faster than you realize.

00:29:17.661 --> 00:29:18.882 align:center
i love that i love it

00:29:18.962 --> 00:29:20.323 align:center
i love it thank you so

00:29:20.363 --> 00:29:21.363 align:center
much brian for being on the

00:29:21.403 --> 00:29:23.624 align:center
show you guys there is a

00:29:23.684 --> 00:29:26.145 align:center
qr code in the corner over

00:29:26.165 --> 00:29:28.006 align:center
there where you can go to

00:29:28.026 --> 00:29:30.467 align:center
the website also the website will

00:29:30.507 --> 00:29:32.148 align:center
be in the description box below

00:29:32.168 --> 00:29:33.889 align:center
and you guys can go ahead

00:29:33.969 --> 00:29:36.030 align:center
and take it on take that

00:29:36.110 --> 00:29:38.251 align:center
challenge i mean right there if

00:29:38.291 --> 00:29:39.811 align:center
you look it says take finance

00:29:39.831 --> 00:29:42.433 align:center
the financial literacy quiz is easy

00:29:42.553 --> 00:29:42.953 align:center
it's free

00:29:43.573 --> 00:29:44.614 align:center
And it'll get you started.

00:29:44.634 --> 00:29:46.015 align:center
I mean, it'll help you out.

00:29:46.215 --> 00:29:47.956 align:center
And Brian, thank you so much

00:29:47.976 --> 00:29:48.656 align:center
for being on the show.

00:29:48.676 --> 00:29:50.317 align:center
I mean, it is just an

00:29:50.397 --> 00:29:51.898 align:center
amazing thing that you've done this

00:29:52.038 --> 00:29:53.620 align:center
and you've tackled this and that

00:29:53.700 --> 00:29:54.780 align:center
you've lived this.

00:29:55.201 --> 00:29:56.241 align:center
And now you want to teach

00:29:56.301 --> 00:29:56.521 align:center
this.

00:29:56.641 --> 00:29:57.562 align:center
And I want to thank you

00:29:57.602 --> 00:29:58.563 align:center
so much for doing that.

00:29:59.023 --> 00:30:00.204 align:center
Thank you so much for having

00:30:00.224 --> 00:30:00.384 align:center
me.

00:30:00.404 --> 00:30:02.205 align:center
And I really hope that it

00:30:02.245 --> 00:30:03.526 align:center
makes a difference in people's lives.

00:30:04.011 --> 00:30:05.172 align:center
I hope so too, because we

00:30:05.212 --> 00:30:05.933 align:center
all need a difference.

00:30:06.053 --> 00:30:07.134 align:center
We definitely need a difference.

00:30:07.154 --> 00:30:07.894 align:center
I need a difference.

00:30:08.195 --> 00:30:08.475 align:center
Yes.

00:30:08.535 --> 00:30:09.456 align:center
And I hope you do too.

00:30:09.796 --> 00:30:10.596 align:center
Thank you guys so much for

00:30:10.617 --> 00:30:10.997 align:center
tuning in.

00:30:11.017 --> 00:30:11.797 align:center
Don't forget to dare to be

00:30:11.817 --> 00:30:13.259 align:center
different, but most of all, don't

00:30:13.299 --> 00:30:14.660 align:center
forget to go to the QR

00:30:14.680 --> 00:30:16.421 align:center
code in the corner or in

00:30:16.441 --> 00:30:18.183 align:center
the description box below, copy and

00:30:18.203 --> 00:30:20.645 align:center
paste the website into your browser,

00:30:20.985 --> 00:30:22.286 align:center
click enter, and it'll take you

00:30:22.306 --> 00:30:22.706 align:center
straight there.

00:30:22.827 --> 00:30:23.547 align:center
And then you can go ahead

00:30:23.587 --> 00:30:24.288 align:center
and take that quiz.

00:30:24.728 --> 00:30:26.128 align:center
and if you're watching on tv

00:30:26.488 --> 00:30:27.809 align:center
go ahead and just click the

00:30:27.849 --> 00:30:29.289 align:center
qr code with your phone that's

00:30:29.309 --> 00:30:30.609 align:center
what it's for so that you

00:30:30.629 --> 00:30:32.010 align:center
can take that free quiz today

00:30:32.130 --> 00:30:33.310 align:center
and find out where you are

00:30:33.690 --> 00:30:34.730 align:center
so that you can be in

00:30:34.770 --> 00:30:38.691 align:center
a better financial stability tomorrow you

00:30:38.731 --> 00:30:40.151 align:center
got it okay let's do this

00:30:40.231 --> 00:30:41.972 align:center
all right guys brian thank you

00:30:42.112 --> 00:30:43.292 align:center
and thank you again so much

00:30:43.392 --> 00:30:44.332 align:center
don't forget to deal to be

00:30:44.372 --> 00:30:46.433 align:center
different and until next time guys

00:30:46.833 --> 00:30:48.373 align:center
bye thank you bye