1 00:00:06,100 --> 00:00:08,332 Welcome to the Life success and legacy podcast. 2 00:00:08,651 --> 00:00:10,021 We're glad you're here here and we hope 3 00:00:10,021 --> 00:00:11,056 you enjoyed the episode. 4 00:00:15,435 --> 00:00:17,719 Hey, everybody. Wanna welcome you back to this 5 00:00:18,078 --> 00:00:20,784 episode of the life success legacy podcast. My 6 00:00:20,784 --> 00:00:23,013 name is Chris Bay, and you will notice 7 00:00:23,172 --> 00:00:25,162 I am not joined by any mike's. 8 00:00:25,894 --> 00:00:27,886 We've tried to get Shelly to change her 9 00:00:27,886 --> 00:00:30,038 name to Mike, but she won't go for 10 00:00:30,038 --> 00:00:30,198 it. 11 00:00:31,632 --> 00:00:31,871 No. 12 00:00:33,067 --> 00:00:33,567 So 13 00:00:33,958 --> 00:00:36,335 Shelley Forbes, if you were a client of 14 00:00:36,335 --> 00:00:38,394 life success in legacy you already know Shelly, 15 00:00:38,711 --> 00:00:40,296 and a adore Shelley like the rest of 16 00:00:40,296 --> 00:00:40,454 us, 17 00:00:41,660 --> 00:00:43,728 But if you're not a client, you're gonna 18 00:00:43,728 --> 00:00:46,034 get to have the opportunity to get to 19 00:00:46,034 --> 00:00:48,602 know Shelley For, who is our client coordinator. 20 00:00:49,629 --> 00:00:49,948 And, 21 00:00:50,586 --> 00:00:52,659 I'm super pumped, Shelley is 1 of my 22 00:00:52,659 --> 00:00:55,052 favorite human beings on this on this planet. 23 00:00:55,690 --> 00:00:56,190 And 24 00:00:56,647 --> 00:00:58,800 as my wife calls her, my work wife, 25 00:01:01,200 --> 00:01:04,300 because we work very closely than have for 26 00:01:04,300 --> 00:01:07,240 many years now, and it's way more than 27 00:01:07,240 --> 00:01:07,558 just 28 00:01:08,369 --> 00:01:10,604 business associates. I mean, we're like family. 29 00:01:11,083 --> 00:01:13,798 And so I'm thrilled Shelley that you would 30 00:01:13,798 --> 00:01:16,353 take some time to join us on our 31 00:01:16,353 --> 00:01:17,391 podcast. Thank you. 32 00:01:18,284 --> 00:01:20,365 It's my pleasure. It's not my comfortable place, 33 00:01:20,525 --> 00:01:22,545 but I'm happy to me with 34 00:01:24,284 --> 00:01:25,005 I know. 35 00:01:27,659 --> 00:01:29,519 I know you'd rather be in the background 36 00:01:29,819 --> 00:01:31,760 just taking care of people and doing it 37 00:01:32,299 --> 00:01:34,140 not have the attention focused on you. Right? 38 00:01:34,379 --> 00:01:35,180 Yeah. Please. 39 00:01:35,832 --> 00:01:36,150 But our... 40 00:01:38,373 --> 00:01:38,873 So 41 00:01:40,359 --> 00:01:41,391 let's go back. 42 00:01:42,185 --> 00:01:44,607 Well, what we're gonna talk about is really 43 00:01:44,664 --> 00:01:45,164 your 44 00:01:45,540 --> 00:01:48,168 you And Todd, but, your husband Todd, but 45 00:01:48,168 --> 00:01:51,614 you and your family's journey with infinite banking 46 00:01:52,244 --> 00:01:54,502 and how this all kinda got started 47 00:01:55,360 --> 00:01:58,317 and share with people. I think every time 48 00:01:58,317 --> 00:02:00,015 we post an interview 49 00:02:00,489 --> 00:02:03,283 the number of views jumps up. And I 50 00:02:03,283 --> 00:02:05,837 think people love to hear the stories. 51 00:02:06,475 --> 00:02:08,311 They're like, yeah, But how does that apply 52 00:02:08,311 --> 00:02:10,394 to me. And when we tell stories, it's 53 00:02:10,394 --> 00:02:12,221 not the technical side of by Bc, You 54 00:02:12,221 --> 00:02:14,047 know, we're not talking about P ways and 55 00:02:14,047 --> 00:02:15,159 mech and things like that. 56 00:02:15,874 --> 00:02:18,121 We're just telling stories about how people 57 00:02:18,495 --> 00:02:18,550 and 58 00:02:19,388 --> 00:02:21,383 came to know about infinite banking and how 59 00:02:21,383 --> 00:02:22,580 they use it in their lives. 60 00:02:23,379 --> 00:02:25,294 So that's what we'd love to do is 61 00:02:25,294 --> 00:02:27,210 just get to know Shelly and Todd's, 62 00:02:28,021 --> 00:02:30,089 story and their family. You good with that? 63 00:02:30,726 --> 00:02:31,044 Great. 64 00:02:31,680 --> 00:02:31,998 Awesome. 65 00:02:32,635 --> 00:02:33,987 So take us back, 66 00:02:35,680 --> 00:02:37,219 where was the first 67 00:02:37,520 --> 00:02:40,560 time that you kind of had an inkling 68 00:02:40,560 --> 00:02:43,280 about infinite banking? How did you get introduced 69 00:02:43,280 --> 00:02:43,599 to it? 70 00:02:45,849 --> 00:02:47,944 The first time I ever had an inkling 71 00:02:48,321 --> 00:02:49,379 about it was 72 00:02:50,076 --> 00:02:52,468 or a friend of mine that I worked 73 00:02:52,468 --> 00:02:53,527 with at the time 74 00:02:54,159 --> 00:02:56,636 was doing infinite banking and she said something 75 00:02:56,636 --> 00:02:58,074 about it I had no idea what she 76 00:02:58,074 --> 00:02:58,953 was talking about, 77 00:02:59,672 --> 00:03:02,635 but she and Chris Bay and Sean Bay 78 00:03:02,635 --> 00:03:04,145 and Todd and Shelley Forest. 79 00:03:04,701 --> 00:03:05,813 Have a mutual friend, 80 00:03:07,005 --> 00:03:08,674 if who all refer to a sweet tea. 81 00:03:09,309 --> 00:03:09,547 Yes. 82 00:03:10,119 --> 00:03:11,711 Who started at a little coffee shop and 83 00:03:11,870 --> 00:03:14,337 Ole the Kansas, and we were dying to 84 00:03:14,337 --> 00:03:15,531 go see it because we knew it was 85 00:03:15,531 --> 00:03:18,317 something she dreamed of starting. And so Todd 86 00:03:18,317 --> 00:03:20,564 and I went to visit her, At new 87 00:03:20,564 --> 00:03:23,041 shop and met Chris Bay. 88 00:03:23,840 --> 00:03:26,637 And Chris started asking some questions out of 89 00:03:26,717 --> 00:03:28,016 Genuine curiosity, 90 00:03:29,449 --> 00:03:32,243 tell me about yourselves and what drives you 91 00:03:32,243 --> 00:03:32,961 what you love? 92 00:03:33,520 --> 00:03:35,116 What's your why? And Todd, 93 00:03:36,154 --> 00:03:37,591 I think what's my why? What do you 94 00:03:37,591 --> 00:03:38,125 mean and. 95 00:03:39,439 --> 00:03:40,555 Not his language at. 96 00:03:42,228 --> 00:03:44,618 But very quickly, we came to realize wait. 97 00:03:45,176 --> 00:03:47,987 Sweet tease, coffee shop is because of 98 00:03:49,013 --> 00:03:51,874 Ib c. We knew that in part, 99 00:03:54,099 --> 00:03:56,506 but Chris started to ask us questions, 100 00:03:57,375 --> 00:03:59,555 about Eu chris about 101 00:04:01,375 --> 00:04:02,735 what if things were different. 102 00:04:03,534 --> 00:04:05,615 What if you didn't work a job, you 103 00:04:05,615 --> 00:04:08,659 didn't wanna work. And what if you dreamed 104 00:04:08,659 --> 00:04:11,126 about options, and it started peaking our curiosity, 105 00:04:11,365 --> 00:04:14,151 we just started having this conversation and we're 106 00:04:14,151 --> 00:04:16,141 long we're talking about the infinite banking concept. 107 00:04:16,792 --> 00:04:19,018 And that we don't have to do life 108 00:04:19,018 --> 00:04:20,449 the way we were doing it because we 109 00:04:20,449 --> 00:04:22,277 felt like we had to. And that is 110 00:04:22,277 --> 00:04:23,708 how we were doing life at that time. 111 00:04:23,946 --> 00:04:26,433 We I have to have this job because 112 00:04:26,433 --> 00:04:28,188 it pays a certain amount of money to 113 00:04:28,188 --> 00:04:30,421 raise our kids, and I have to be 114 00:04:30,421 --> 00:04:32,335 in this work environment even though I want 115 00:04:32,335 --> 00:04:33,532 to do something different. 116 00:04:34,344 --> 00:04:34,844 And 117 00:04:35,613 --> 00:04:38,548 have we started learning with the infinite banking 118 00:04:38,548 --> 00:04:39,048 concept, 119 00:04:40,215 --> 00:04:40,715 possibilities 120 00:04:41,246 --> 00:04:44,370 really are infinite. And so we wanted to 121 00:04:44,370 --> 00:04:46,290 start learning about it. So that's where we 122 00:04:46,290 --> 00:04:47,589 had our first 123 00:04:47,970 --> 00:04:50,850 introduction. We didn't know anything still, but we 124 00:04:50,850 --> 00:04:51,350 realized 125 00:04:51,663 --> 00:04:53,274 we want to learn about 126 00:04:53,726 --> 00:04:54,440 what this is. It's... 127 00:04:55,471 --> 00:04:57,955 Yeah. I like to go around to random 128 00:04:58,010 --> 00:04:59,303 coffee shops and 129 00:05:00,088 --> 00:05:03,103 and and pepper people with questions about their 130 00:05:03,103 --> 00:05:05,326 life and their finances and things like that. 131 00:05:06,357 --> 00:05:08,182 And what worthwhile you you you. 132 00:05:08,834 --> 00:05:10,052 Use the phrase earlier, 133 00:05:11,706 --> 00:05:13,302 Shell is 1 of my favorite people on 134 00:05:13,302 --> 00:05:16,175 the planet and likewise, for Todd and me, 135 00:05:16,589 --> 00:05:18,667 like, I brag to our clients all the 136 00:05:18,667 --> 00:05:20,824 time. I work with the most amazing people 137 00:05:20,824 --> 00:05:21,383 in the world, 138 00:05:23,141 --> 00:05:25,634 not because of what, they know, but because 139 00:05:25,634 --> 00:05:27,654 of who they are and they genuinely 140 00:05:28,274 --> 00:05:31,235 genuinely care about people. I always get emotional 141 00:05:31,235 --> 00:05:31,475 too. 142 00:05:33,405 --> 00:05:35,075 Because I've not been in a work environment 143 00:05:35,075 --> 00:05:37,303 where that really is the case. You know, 144 00:05:37,462 --> 00:05:40,405 where they genuinely care about the people they 145 00:05:40,405 --> 00:05:43,308 serve and that... Stood out to me immediately. 146 00:05:44,400 --> 00:05:45,753 That these are people I can trust because 147 00:05:45,833 --> 00:05:48,301 I can tell they're they're not asking questions 148 00:05:48,301 --> 00:05:50,547 because they're nosy or trying to get something, 149 00:05:50,627 --> 00:05:53,021 they just genuinely care and wonder how they 150 00:05:53,021 --> 00:05:53,420 could help. 151 00:05:54,377 --> 00:05:55,436 So I 152 00:05:55,894 --> 00:05:57,431 sucked me right into 153 00:05:58,061 --> 00:05:59,991 I have to know what this is and 154 00:06:00,048 --> 00:06:02,352 why it seems special. I don't know why, 155 00:06:02,590 --> 00:06:03,703 but it seems special. 156 00:06:05,149 --> 00:06:08,284 And it is. I I often feel like 157 00:06:10,338 --> 00:06:11,237 we are mas 158 00:06:11,855 --> 00:06:13,473 as an infinite banking, 159 00:06:14,744 --> 00:06:15,222 business. 160 00:06:17,055 --> 00:06:19,606 Because when you pull back the curtain, it's 161 00:06:19,606 --> 00:06:21,440 more about how do you help people create 162 00:06:21,440 --> 00:06:22,316 the lives they want? 163 00:06:23,288 --> 00:06:24,883 Absolutely. And oh, by the way, there happens 164 00:06:24,883 --> 00:06:27,117 to be a financial element to many times 165 00:06:27,117 --> 00:06:29,350 to those stories. Yeah. And oh, by the 166 00:06:29,350 --> 00:06:31,583 way, we have this really amazing concept that 167 00:06:31,583 --> 00:06:34,151 we teach on the side. Yeah. But I... 168 00:06:34,470 --> 00:06:36,942 So many times, I I think of a 169 00:06:36,942 --> 00:06:38,378 client of ours who lives in... 170 00:06:39,654 --> 00:06:41,488 Used to live in Iowa and his moves 171 00:06:41,488 --> 00:06:42,286 since, Julie. 172 00:06:42,939 --> 00:06:43,178 And, 173 00:06:44,293 --> 00:06:45,568 the first time I met her at a 174 00:06:45,568 --> 00:06:47,798 boot camp, and after the boot camp, we 175 00:06:47,798 --> 00:06:49,949 sat down, and she's sharing her finances and 176 00:06:49,949 --> 00:06:51,542 all this stuff. And our conversation. 177 00:06:52,435 --> 00:06:53,714 Went way over here. 178 00:06:54,354 --> 00:06:56,034 And next thing I know I'm talking to 179 00:06:56,034 --> 00:06:58,354 her about breakthrough something that you and I 180 00:06:58,354 --> 00:07:00,454 and experience you and I share together 181 00:07:01,089 --> 00:07:01,589 and 182 00:07:02,127 --> 00:07:04,282 she ended up going through breakthrough, and I 183 00:07:04,282 --> 00:07:05,479 never knew if she was gonna become a 184 00:07:05,479 --> 00:07:06,118 client or not. 185 00:07:07,076 --> 00:07:07,555 She did. 186 00:07:09,391 --> 00:07:09,891 But 187 00:07:11,078 --> 00:07:12,772 But I love that about 188 00:07:13,306 --> 00:07:16,410 life success legacy. I mean, We're about people. 189 00:07:16,887 --> 00:07:17,126 Yep. 190 00:07:17,699 --> 00:07:19,375 Yeah. And oh, by the way, we teach 191 00:07:19,375 --> 00:07:21,930 this financial concept. Yeah. Which happens to be 192 00:07:21,930 --> 00:07:25,064 amazing and transformational, but it 193 00:07:25,522 --> 00:07:25,841 edit. 194 00:07:27,609 --> 00:07:28,007 So, 195 00:07:28,643 --> 00:07:32,061 you started learning about Ib c, and was 196 00:07:32,061 --> 00:07:35,337 that a difficult process. For you. And what 197 00:07:35,497 --> 00:07:38,151 I'm getting at is kinda contrasting your mindset 198 00:07:38,608 --> 00:07:40,522 or what you were taught about money or 199 00:07:40,522 --> 00:07:43,175 not taught about money and how you... Your 200 00:07:43,313 --> 00:07:45,264 relationship with money growing up, and 201 00:07:45,955 --> 00:07:48,497 all of that was compared to... Oh, my 202 00:07:48,497 --> 00:07:51,516 gosh. This concept is, like, way different than 203 00:07:51,516 --> 00:07:53,422 what I've ever heard about. Because that was 204 00:07:53,422 --> 00:07:55,667 hard for me. And It was not for 205 00:07:55,667 --> 00:07:55,906 me. 206 00:07:57,103 --> 00:08:00,296 And it's because I wasn't taught anything about 207 00:08:00,296 --> 00:08:02,131 money. Right. So I didn't have a lot 208 00:08:02,131 --> 00:08:04,556 to un learn. The only thing I knew 209 00:08:04,613 --> 00:08:07,075 about money was to be afraid if I 210 00:08:07,075 --> 00:08:09,459 didn't have enough because I grew up without 211 00:08:09,459 --> 00:08:12,507 it. So I grew up really, really poor. 212 00:08:14,265 --> 00:08:16,123 And there's a there's a lot of 213 00:08:16,662 --> 00:08:17,801 drama in 214 00:08:18,340 --> 00:08:21,779 I growing up years as well, but because 215 00:08:21,779 --> 00:08:22,735 of all of that, 216 00:08:23,372 --> 00:08:25,521 I'll just leave that as it is, but 217 00:08:25,521 --> 00:08:26,317 because of all that, 218 00:08:26,889 --> 00:08:29,284 there was no sense of security in any 219 00:08:29,284 --> 00:08:32,178 way. No sense of security, lots of fear 220 00:08:32,875 --> 00:08:35,051 growing up as a child about everything. 221 00:08:35,844 --> 00:08:37,143 Including money and 222 00:08:37,682 --> 00:08:39,600 watching my mom because if they're in her 223 00:08:39,600 --> 00:08:41,518 life, trying to figure out how to feed 224 00:08:41,518 --> 00:08:42,397 for little girls, 225 00:08:44,409 --> 00:08:44,909 and 226 00:08:46,167 --> 00:08:48,085 live in a place that's l, 227 00:08:50,482 --> 00:08:52,892 and never having quite enough to really make 228 00:08:52,892 --> 00:08:55,203 ends meet and working really hard to not 229 00:08:55,203 --> 00:08:57,116 be able to make ends meet. So I 230 00:08:57,116 --> 00:08:59,189 grew up with without understanding that if you 231 00:08:59,189 --> 00:09:00,327 don't have enough 232 00:09:00,639 --> 00:09:03,452 I used to scarcity mindset, truly a scarcity 233 00:09:03,510 --> 00:09:03,909 mindset. 234 00:09:04,707 --> 00:09:07,100 So when I did learn about And obviously, 235 00:09:07,259 --> 00:09:08,774 know when I got a job and start 236 00:09:08,774 --> 00:09:10,424 learning how to manage money and 237 00:09:10,861 --> 00:09:13,003 got married had children way too young. 238 00:09:14,430 --> 00:09:16,572 I did find myself still in that, you 239 00:09:16,572 --> 00:09:16,731 know, 240 00:09:19,599 --> 00:09:20,416 that same 241 00:09:21,105 --> 00:09:21,976 way of living. 242 00:09:22,451 --> 00:09:24,036 I did not want my children to grow 243 00:09:24,036 --> 00:09:24,725 up with 244 00:09:25,481 --> 00:09:25,879 and 245 00:09:26,754 --> 00:09:28,505 not sure if I'm jumping too far ahead, 246 00:09:28,665 --> 00:09:31,132 but You go with that girl. Went blood 247 00:09:31,132 --> 00:09:32,326 and I got married, 248 00:09:34,577 --> 00:09:36,575 I just kinda followed along with what he 249 00:09:36,575 --> 00:09:38,014 did because I didn't know what else to 250 00:09:38,014 --> 00:09:39,553 do. And his mindset, 251 00:09:39,932 --> 00:09:40,831 as a farmer 252 00:09:41,370 --> 00:09:41,870 is 253 00:09:42,424 --> 00:09:44,261 to do what you gotta do, you gotta 254 00:09:44,261 --> 00:09:46,040 get loans all the time. And so 255 00:09:46,898 --> 00:09:48,356 while we didn't have land 256 00:09:49,309 --> 00:09:51,464 debt was very comfortable for Todd, because that's 257 00:09:51,464 --> 00:09:52,741 the only way you get what you need. 258 00:09:53,220 --> 00:09:56,014 And so we quickly found ourselves in a 259 00:09:56,014 --> 00:09:57,530 truckload of debt for us, 260 00:09:58,343 --> 00:10:00,736 because our income was not huge just young, 261 00:10:00,895 --> 00:10:02,650 a young married couple with young children. 262 00:10:03,208 --> 00:10:05,601 And so we're incurring all this debt without 263 00:10:05,601 --> 00:10:07,696 enough income, and I 264 00:10:08,167 --> 00:10:09,834 started to get more and more fearful. 265 00:10:11,264 --> 00:10:13,749 Eventually, Todd and I were introduced to 266 00:10:14,122 --> 00:10:14,916 the the, 267 00:10:17,083 --> 00:10:18,142 debt snowball 268 00:10:18,601 --> 00:10:19,101 concept, 269 00:10:19,800 --> 00:10:23,155 type. Z debt snow? Being yes. Cells. Yep? 270 00:10:23,475 --> 00:10:25,477 S, and it did teach us a lot 271 00:10:25,477 --> 00:10:27,939 of discipline, and we finally were able to 272 00:10:27,939 --> 00:10:29,845 kinda get a grip slow down that debt 273 00:10:29,924 --> 00:10:33,203 Snowball lease. But I also could quickly see 274 00:10:33,354 --> 00:10:34,947 Oh my gosh. I don't see how we're 275 00:10:34,947 --> 00:10:36,539 ever getting out of this todd hated it. 276 00:10:36,778 --> 00:10:38,212 He absolutely despise. 277 00:10:39,964 --> 00:10:41,715 That whole idea, but... 278 00:10:42,369 --> 00:10:44,365 I believe I've heard him call him Dan 279 00:10:44,524 --> 00:10:46,701 Ramsey. Sorry. Yeah. I wasn't. 280 00:10:47,718 --> 00:10:51,071 I'll say it. He still calling that because 281 00:10:51,071 --> 00:10:52,705 your you on. There's 282 00:10:53,085 --> 00:10:54,605 just no fun, and you can't have what 283 00:10:54,605 --> 00:10:55,485 you want. And, 284 00:10:56,365 --> 00:10:57,965 there's no way to ever get what you 285 00:10:57,965 --> 00:10:58,465 want 286 00:10:59,336 --> 00:11:00,685 if you have all the debt that we 287 00:11:00,685 --> 00:11:02,590 had and not enough income. So anyway, 288 00:11:03,543 --> 00:11:05,709 but I also have this aversion to debt 289 00:11:05,765 --> 00:11:06,265 because 290 00:11:07,133 --> 00:11:09,447 I grew up with the scarcity mindset, and 291 00:11:09,447 --> 00:11:10,803 it was getting worse and worse and worse 292 00:11:10,803 --> 00:11:12,080 and we're gonna pass it on to our 293 00:11:12,080 --> 00:11:13,676 kids and I don't like that. And so 294 00:11:13,755 --> 00:11:14,129 I 295 00:11:14,566 --> 00:11:16,551 got pretty bold and strong. I'm like, we're 296 00:11:16,551 --> 00:11:18,932 changing this. We can't keep doing this. And 297 00:11:18,932 --> 00:11:21,235 so we did get disciplined, and that's a 298 00:11:21,235 --> 00:11:21,552 good thing. 299 00:11:22,283 --> 00:11:23,953 But also knew we were never gonna get 300 00:11:23,953 --> 00:11:24,453 ahead 301 00:11:24,988 --> 00:11:25,488 and 302 00:11:26,261 --> 00:11:29,045 teach our kids something completely different. So the 303 00:11:29,045 --> 00:11:30,977 only learning I had 304 00:11:31,446 --> 00:11:33,508 was what we learned from Dave Ramsey. 305 00:11:34,222 --> 00:11:34,722 And 306 00:11:35,095 --> 00:11:38,188 so when we learned about the infinite, banking 307 00:11:38,188 --> 00:11:38,688 concept 308 00:11:39,631 --> 00:11:41,218 I got so excited because it was really 309 00:11:41,218 --> 00:11:42,805 easy to see and 1 of the reasons 310 00:11:42,884 --> 00:11:45,344 I loved it is because it's so simple. 311 00:11:45,899 --> 00:11:46,217 It is... 312 00:11:47,508 --> 00:11:48,008 Ridiculously 313 00:11:48,627 --> 00:11:49,027 simple. 314 00:11:49,666 --> 00:11:52,063 So I'm like, got it. Done. Let's do 315 00:11:52,063 --> 00:11:53,261 it. Well, Todd. 316 00:11:55,193 --> 00:11:57,368 He has a great mind about money 317 00:11:57,825 --> 00:11:59,761 except that his was more about 318 00:12:00,218 --> 00:12:02,531 how to finance things and and make it 319 00:12:02,531 --> 00:12:04,387 work for you. And but 320 00:12:04,860 --> 00:12:05,100 still, 321 00:12:05,899 --> 00:12:07,740 we were never getting ahead and but he 322 00:12:07,740 --> 00:12:08,220 had this... 323 00:12:09,339 --> 00:12:11,100 He could not wrap his mind. He still 324 00:12:11,100 --> 00:12:13,270 has a hard time sometimes time wrapping his 325 00:12:13,270 --> 00:12:15,816 mind around the infinite banking concept. But now 326 00:12:15,816 --> 00:12:17,726 he sees it. He sees it working and 327 00:12:17,726 --> 00:12:19,557 knows... So no. It wasn't hard for me. 328 00:12:19,716 --> 00:12:20,751 It was for Todd. 329 00:12:22,120 --> 00:12:24,440 So we kinda had to work through that. 330 00:12:24,600 --> 00:12:25,559 It took us a while. 331 00:12:26,839 --> 00:12:27,659 I remember 332 00:12:28,200 --> 00:12:29,259 my wife, Sean 333 00:12:29,733 --> 00:12:33,155 talking about and sharing her perspective on Ib 334 00:12:33,155 --> 00:12:34,826 scenes. She says the hardest thing, which I 335 00:12:34,826 --> 00:12:36,099 think you were ahead of the game in 336 00:12:36,099 --> 00:12:36,497 some ways, 337 00:12:37,548 --> 00:12:39,861 the hardest thing for her is inch out, 338 00:12:40,180 --> 00:12:40,919 the old 339 00:12:41,297 --> 00:12:41,797 learning 340 00:12:42,413 --> 00:12:44,567 to make space for the new learning. Right. 341 00:12:44,726 --> 00:12:46,641 Well, that noise as Nelson would call it, 342 00:12:47,453 --> 00:12:50,081 that we've been listening to. It's been... You 343 00:12:50,081 --> 00:12:51,514 know, we talk about the rut in our 344 00:12:51,514 --> 00:12:51,913 brains. 345 00:12:52,550 --> 00:12:54,780 And we created all these rut. And all 346 00:12:54,780 --> 00:12:55,417 of a sudden, 347 00:12:56,148 --> 00:12:58,614 there's a whole new pathway, and we gotta 348 00:12:58,614 --> 00:12:59,806 figure out how to get rid of those 349 00:12:59,806 --> 00:13:01,476 old routes to make space for the new 350 00:13:01,476 --> 00:13:01,976 pathways. 351 00:13:02,590 --> 00:13:04,315 Yes. Yes. The 352 00:13:04,835 --> 00:13:07,394 I will say there is 1 piece that 353 00:13:07,394 --> 00:13:09,254 did have me stuck for a while 354 00:13:09,715 --> 00:13:10,855 is I 355 00:13:11,728 --> 00:13:13,956 because I'm process minded, and I have to 356 00:13:13,956 --> 00:13:16,025 know 0.1 0.2 0.3 357 00:13:16,105 --> 00:13:18,174 Yeah. And it gets each of those. Right? 358 00:13:19,063 --> 00:13:20,729 And I hear this with our clients a 359 00:13:20,729 --> 00:13:22,712 lot too. And so that... This is why 360 00:13:22,871 --> 00:13:25,330 I want to say it. I can remember 361 00:13:25,330 --> 00:13:25,727 being it, 362 00:13:26,378 --> 00:13:28,449 several boot camps. Because like I said, it 363 00:13:28,449 --> 00:13:29,427 took us a while 364 00:13:30,599 --> 00:13:32,749 to get on the same page, but I 365 00:13:32,749 --> 00:13:34,955 remember being at several boot camps and seeing 366 00:13:35,232 --> 00:13:35,946 why it worked. 367 00:13:36,659 --> 00:13:39,275 But I didn't see exactly... Okay, But what 368 00:13:39,275 --> 00:13:40,782 do I do step 1? What do I 369 00:13:40,782 --> 00:13:42,288 do step 2? What do I do step 370 00:13:42,288 --> 00:13:45,348 3? Before we even were working on an 371 00:13:45,405 --> 00:13:45,963 individual plan. 372 00:13:46,520 --> 00:13:49,146 Yeah. And I wanted all of those answers 373 00:13:49,146 --> 00:13:51,136 before we even worked on an individual plan. 374 00:13:51,295 --> 00:13:53,695 And I can remember Mike everett saying, just 375 00:13:53,695 --> 00:13:54,171 calm down. 376 00:13:57,585 --> 00:13:59,490 You'll you'll figure it out as we go, 377 00:13:59,649 --> 00:14:01,738 but you're you're just learning right now. You 378 00:14:01,738 --> 00:14:03,096 don't have to know all of those. And 379 00:14:03,096 --> 00:14:05,254 that just... That was very hard for me 380 00:14:05,254 --> 00:14:06,153 to not know 381 00:14:07,092 --> 00:14:09,739 not get exactly weight how do I take 382 00:14:09,739 --> 00:14:12,202 a loan? How do I use loan? How 383 00:14:12,202 --> 00:14:14,189 do I pay a loan back, like, logistically, 384 00:14:14,348 --> 00:14:17,208 what are those steps? Yes. That made me 385 00:14:17,208 --> 00:14:17,446 afraid? 386 00:14:18,814 --> 00:14:20,907 But that was really the only piece that 387 00:14:21,601 --> 00:14:23,751 tripped me up. Yeah. Yeah. 388 00:14:25,105 --> 00:14:25,605 So 389 00:14:26,393 --> 00:14:28,085 fast forward a little bit, you guys 390 00:14:28,459 --> 00:14:31,159 implement the infinite banking concept? I'm just curious, 391 00:14:31,398 --> 00:14:33,248 when when did you start your first 392 00:14:33,860 --> 00:14:34,360 policy? 393 00:14:35,066 --> 00:14:36,888 Was December 2016. 394 00:14:37,285 --> 00:14:38,235 2016. 395 00:14:38,552 --> 00:14:38,711 Okay. 396 00:14:39,503 --> 00:14:40,003 And 397 00:14:40,533 --> 00:14:41,033 so 398 00:14:42,133 --> 00:14:42,950 over this 399 00:14:43,324 --> 00:14:45,229 time period that you've had your system. 400 00:14:45,784 --> 00:14:48,483 Can you just talk to the listeners about 401 00:14:48,483 --> 00:14:51,277 how you and Todd have used your Ib 402 00:14:51,277 --> 00:14:53,106 c system? What are some of the examples 403 00:14:53,106 --> 00:14:53,981 uv used it for? 404 00:14:55,412 --> 00:14:57,639 Yeah. The first example was we got rid 405 00:14:57,639 --> 00:15:00,422 of all of our speed at very fast. 406 00:15:01,787 --> 00:15:02,287 And 407 00:15:03,376 --> 00:15:05,306 because of the plan that 408 00:15:06,077 --> 00:15:07,666 that the team helped us put in place, 409 00:15:07,904 --> 00:15:09,278 I was able to leave 410 00:15:10,543 --> 00:15:11,816 my job, my career, 411 00:15:13,327 --> 00:15:15,078 which was a great job to have 1. 412 00:15:15,316 --> 00:15:17,718 I hadn't it... But it was not at 413 00:15:17,718 --> 00:15:18,832 all what I love doing. 414 00:15:19,945 --> 00:15:22,729 So it gave me just having the plan 415 00:15:22,729 --> 00:15:24,813 gave me the... Space in the freedom to 416 00:15:24,813 --> 00:15:26,564 say, I can walk away from this, and 417 00:15:26,723 --> 00:15:29,191 I did. So that was huge that that 418 00:15:29,191 --> 00:15:30,862 was part of our financial plan. There was 419 00:15:30,862 --> 00:15:32,852 a strategy to that... I didn't just leave. 420 00:15:33,330 --> 00:15:35,342 So but the timing couldn't have been more 421 00:15:35,342 --> 00:15:37,179 perfect in terms of what our family needed. 422 00:15:37,659 --> 00:15:39,337 Our daughter was in need of some very 423 00:15:39,337 --> 00:15:39,736 urgent. 424 00:15:41,748 --> 00:15:42,865 Incredible medical care. 425 00:15:43,504 --> 00:15:45,419 So I was able to focus my time 426 00:15:45,419 --> 00:15:47,016 and energy on that for a while, 427 00:15:48,612 --> 00:15:49,671 because of our plan 428 00:15:49,983 --> 00:15:51,414 which helped us figure out how to do 429 00:15:51,414 --> 00:15:51,573 that. 430 00:15:52,527 --> 00:15:53,266 So we 431 00:15:53,878 --> 00:15:56,184 got Ashley taken care of. We turned debt, 432 00:15:58,667 --> 00:16:01,380 and really, we worked on capitalizing that 1 433 00:16:01,380 --> 00:16:01,880 policy 434 00:16:02,498 --> 00:16:04,732 for the first 4 years before we learned 435 00:16:04,732 --> 00:16:05,051 about, 436 00:16:06,023 --> 00:16:07,160 the income snowball 437 00:16:07,615 --> 00:16:09,229 concept as well. And 438 00:16:10,399 --> 00:16:13,104 we have now started working on that to 439 00:16:13,104 --> 00:16:16,061 to create passive income, for the future. So 440 00:16:16,061 --> 00:16:17,991 we're... Now we have 5 policies, 441 00:16:18,842 --> 00:16:19,580 which is 442 00:16:20,113 --> 00:16:22,417 they're all fully capitalized now as of this 443 00:16:22,417 --> 00:16:22,917 spring, 444 00:16:23,625 --> 00:16:26,105 Yeah. Looking forward to starting more, but we're 445 00:16:26,105 --> 00:16:26,605 using 446 00:16:27,144 --> 00:16:28,284 our banking system 447 00:16:28,904 --> 00:16:29,404 to 448 00:16:30,584 --> 00:16:31,705 fund our incomes snowball. 449 00:16:34,117 --> 00:16:36,514 Kind of like your own personal ever growing 450 00:16:36,514 --> 00:16:38,111 line of credit that no 1 asks any 451 00:16:38,111 --> 00:16:39,410 any questions about 452 00:16:39,803 --> 00:16:41,393 Yep. We... And we actually... 453 00:16:42,347 --> 00:16:43,244 We just recently 454 00:16:43,619 --> 00:16:45,788 bought some office space that 455 00:16:46,321 --> 00:16:49,209 we intended... To use, but we bought it 456 00:16:49,209 --> 00:16:51,049 just from our banking system. We didn't have 457 00:16:51,049 --> 00:16:52,490 to take a loan. We had cash to 458 00:16:52,490 --> 00:16:54,889 buy it, which was really cool. Felt really 459 00:16:54,889 --> 00:16:55,264 great 460 00:16:56,019 --> 00:16:58,324 We're also remodeling our home and so we 461 00:16:58,324 --> 00:16:59,674 ended up deciding you know low? 462 00:17:00,866 --> 00:17:02,296 We jumped the gun a little bit on 463 00:17:02,296 --> 00:17:03,806 this. We don't have capacity. 464 00:17:04,139 --> 00:17:07,354 So we actually just sold that space yesterday. 465 00:17:07,652 --> 00:17:10,047 The building that we did. We I mean 466 00:17:10,047 --> 00:17:12,442 told you yet. We sold it. Not we 467 00:17:12,442 --> 00:17:14,532 just like that. I I can't think about 468 00:17:14,532 --> 00:17:15,969 this right now. Bunch of the irons in 469 00:17:15,969 --> 00:17:18,604 the fire. Yeah. We actually do have another 470 00:17:18,604 --> 00:17:20,599 space that we'll be using with my father 471 00:17:20,599 --> 00:17:22,696 love. So it's fine, but 472 00:17:23,169 --> 00:17:23,409 Yeah. 473 00:17:24,048 --> 00:17:26,046 But it was really cool that we had 474 00:17:26,046 --> 00:17:27,884 the cash on hand to just do that 475 00:17:27,884 --> 00:17:29,243 and not have to go to the bank 476 00:17:29,243 --> 00:17:31,321 and we were gonna be pay ourselves back 477 00:17:31,321 --> 00:17:32,300 for it. And 478 00:17:32,773 --> 00:17:35,424 you know, just the power to make those 479 00:17:35,561 --> 00:17:37,553 decisions when opportunities are in front of you. 480 00:17:37,951 --> 00:17:39,305 Now we have to stop and think wait, 481 00:17:39,544 --> 00:17:41,000 let's think about this 482 00:17:42,188 --> 00:17:43,938 It's so easy to jump right into it. 483 00:17:44,177 --> 00:17:46,325 We need to still take some time to 484 00:17:46,325 --> 00:17:48,951 think a little bit more, but it was 485 00:17:48,951 --> 00:17:50,901 okay. I'm I'm reminded 486 00:17:52,075 --> 00:17:52,575 Nelson 487 00:17:53,031 --> 00:17:54,306 Nash talking about, 488 00:17:55,582 --> 00:17:57,096 when you have capital, 489 00:17:58,464 --> 00:18:00,371 opportunities will find you. True. 490 00:18:01,086 --> 00:18:01,586 And 491 00:18:01,960 --> 00:18:03,787 there are, you know, times in my life, 492 00:18:04,026 --> 00:18:05,853 it it sounds like for you as well, 493 00:18:06,664 --> 00:18:07,164 that 494 00:18:07,860 --> 00:18:09,316 there weren't opportunities. 495 00:18:10,650 --> 00:18:11,150 And 496 00:18:12,006 --> 00:18:13,919 but now it is, you have to be 497 00:18:13,919 --> 00:18:16,881 discerning. Right? Because you do have access to 498 00:18:16,881 --> 00:18:17,381 capital 499 00:18:18,391 --> 00:18:18,891 and 500 00:18:19,425 --> 00:18:21,731 opportunities present themselves. So now I have to 501 00:18:21,731 --> 00:18:23,503 decide. Sean and I have to decide 502 00:18:23,812 --> 00:18:25,951 Is this an opportunity we wanna take? Does 503 00:18:25,951 --> 00:18:27,798 is this an alignment with 504 00:18:28,249 --> 00:18:30,071 what we want and what we're creating? 505 00:18:31,039 --> 00:18:33,596 Mh. I'm curious because you and Todd, 506 00:18:35,513 --> 00:18:37,990 like Sean and myself come from, you know, 507 00:18:39,756 --> 00:18:42,163 alternative universes and how be 508 00:18:43,332 --> 00:18:45,477 approach life and think and our behaviors and 509 00:18:45,477 --> 00:18:48,617 our personalities like that's what makes marriage. So 510 00:18:49,075 --> 00:18:51,469 darn frustrating and exciting all of us at 511 00:18:51,469 --> 00:18:52,267 time. Yeah. 512 00:18:53,704 --> 00:18:56,427 What would you say for you guys would 513 00:18:56,427 --> 00:18:57,720 be found successful 514 00:18:58,252 --> 00:18:59,681 or help you guys thrive, 515 00:19:00,951 --> 00:19:02,776 and what would you suggest to maybe other... 516 00:19:03,189 --> 00:19:05,657 Couples who may come at things differently. I 517 00:19:05,657 --> 00:19:06,157 know 518 00:19:06,533 --> 00:19:07,887 for us, we have, 519 00:19:08,444 --> 00:19:08,944 regular, 520 00:19:09,480 --> 00:19:11,391 week... Sean calls them financial dates, 521 00:19:12,122 --> 00:19:13,973 And I think you guys have had similar 522 00:19:14,665 --> 00:19:17,129 meetings or whatever you call them? What are 523 00:19:17,129 --> 00:19:18,719 some of those things because you and Todd 524 00:19:18,719 --> 00:19:19,036 clement? 525 00:19:19,608 --> 00:19:21,914 You view things so differently what... How you 526 00:19:21,914 --> 00:19:23,107 been able to come together? 527 00:19:23,902 --> 00:19:25,413 Yeah. I don't think we could be any 528 00:19:25,413 --> 00:19:27,639 more different than we are. Which you're right 529 00:19:27,639 --> 00:19:30,684 is frustrating and in incredibly exciting at the 530 00:19:30,684 --> 00:19:31,085 same time. 531 00:19:33,085 --> 00:19:34,305 And... So 532 00:19:34,765 --> 00:19:36,205 1 of them is, you know, we've been 533 00:19:36,205 --> 00:19:37,805 married for over 30 years and so we 534 00:19:37,805 --> 00:19:40,393 just you learn each other and how to 535 00:19:40,451 --> 00:19:41,430 communicate effectively 536 00:19:42,046 --> 00:19:43,242 or the best that we can. 537 00:19:43,960 --> 00:19:45,634 And 1 of the things I know about 538 00:19:45,793 --> 00:19:46,532 Todd is 539 00:19:47,243 --> 00:19:48,916 just be ready when he's ready. 540 00:19:49,394 --> 00:19:51,305 So I kind of have myself always in 541 00:19:51,305 --> 00:19:53,217 a ready spot. I'm ready to talk when 542 00:19:53,217 --> 00:19:53,876 you are 543 00:19:54,412 --> 00:19:54,912 and 544 00:19:56,497 --> 00:19:58,724 So I'm always ready. I've got I got 545 00:19:58,724 --> 00:20:00,395 my charts and everything ready to go when 546 00:20:00,395 --> 00:20:00,952 he's ready. 547 00:20:03,353 --> 00:20:06,217 Although sometimes he'll say, he'll just ask random 548 00:20:06,217 --> 00:20:08,046 questions, and I don't have those charts pulled 549 00:20:08,046 --> 00:20:09,399 up. Like, we have to have a meeting. 550 00:20:09,796 --> 00:20:11,308 Which... So you tell me when you wanna 551 00:20:11,308 --> 00:20:12,834 meet because we need to look at all 552 00:20:12,834 --> 00:20:15,140 this together. I can't just rattle these out 553 00:20:15,140 --> 00:20:15,697 of midway. 554 00:20:16,413 --> 00:20:17,867 But we do... When 555 00:20:18,400 --> 00:20:20,866 he starts thinking about things and getting excited 556 00:20:20,866 --> 00:20:21,422 about, you know, 557 00:20:22,073 --> 00:20:23,505 when... How soon can we pay off this 558 00:20:23,505 --> 00:20:26,210 piece of land when when... Use our banging 559 00:20:26,210 --> 00:20:28,198 system to do that. So then we'll sit 560 00:20:28,198 --> 00:20:28,676 down and just... 561 00:20:29,809 --> 00:20:31,570 Talk through things, wish we would have done 562 00:20:31,570 --> 00:20:33,349 that with the building too, but 563 00:20:33,890 --> 00:20:35,170 we didn't we jump right in, 564 00:20:36,609 --> 00:20:37,349 but we'll 565 00:20:38,857 --> 00:20:41,401 look at all of our information and, you 566 00:20:41,401 --> 00:20:43,706 know, when when are our next premiums do, 567 00:20:44,024 --> 00:20:45,535 how much cash value do we have now, 568 00:20:45,614 --> 00:20:46,966 what will we have when we pay our 569 00:20:46,966 --> 00:20:49,045 next premiums because it will grow. 570 00:20:50,633 --> 00:20:52,062 What's the smartest thing to do when and 571 00:20:52,062 --> 00:20:54,205 we also utilize our coaches when we need 572 00:20:54,205 --> 00:20:54,444 to, 573 00:20:55,254 --> 00:20:57,652 and we just a lot of times, 574 00:20:59,410 --> 00:21:02,287 things that we think we want to do 575 00:21:02,287 --> 00:21:04,385 in terms of paying off land or 576 00:21:05,177 --> 00:21:07,026 buying a piece of equipment or whatever, 577 00:21:08,667 --> 00:21:09,167 we 578 00:21:09,619 --> 00:21:11,547 we can step back from 579 00:21:12,174 --> 00:21:14,654 what used to be an emotional decision and 580 00:21:14,654 --> 00:21:17,315 actually see the numbers in front of us 581 00:21:17,454 --> 00:21:19,615 and compare if we do this, here's what 582 00:21:19,615 --> 00:21:20,894 will happen. But if we do that, 583 00:21:22,661 --> 00:21:23,718 our money will 584 00:21:24,969 --> 00:21:27,278 grow. So should we wait on that? 585 00:21:27,835 --> 00:21:28,949 And here's a for instance, 586 00:21:29,745 --> 00:21:30,484 when we 587 00:21:31,595 --> 00:21:33,595 left the Kansas city area to move to 588 00:21:33,595 --> 00:21:35,595 where our farm is in Northwest Missouri. 589 00:21:36,875 --> 00:21:38,654 Our mortgage was cut by 590 00:21:39,368 --> 00:21:42,242 like 70 percent. Like, we paid 30 percent 591 00:21:42,242 --> 00:21:44,317 of buckle were paying before. 592 00:21:45,115 --> 00:21:47,110 And I joke around and say, we live 593 00:21:47,110 --> 00:21:49,118 in a tiny home. It's a ranch style 594 00:21:49,118 --> 00:21:51,133 home. It's not a tiny home, but 595 00:21:51,988 --> 00:21:54,162 it's a little home in rural 596 00:21:54,619 --> 00:21:55,496 northwest z, 597 00:21:56,948 --> 00:21:58,866 and it needs some updates and all of 598 00:21:58,866 --> 00:22:01,263 that. And for the longest time, and, I 599 00:22:01,263 --> 00:22:03,100 just made you laugh every time I know 600 00:22:03,100 --> 00:22:05,582 because we would waffle back and forth between, 601 00:22:06,138 --> 00:22:08,601 let's build something out in the country versus 602 00:22:08,601 --> 00:22:10,429 no. Let's just fix up what we have 603 00:22:10,429 --> 00:22:12,416 and stay here. Do we really want a 604 00:22:12,416 --> 00:22:14,260 huge... Property, and do we wanna be tied 605 00:22:14,260 --> 00:22:17,363 to a huge mortgage in rural Northwest Missouri. 606 00:22:17,920 --> 00:22:19,510 What makes the most sense? And we've just 607 00:22:19,510 --> 00:22:21,283 gone back and forth them back and forth 608 00:22:21,594 --> 00:22:23,738 And we finally... We really have settled on 609 00:22:23,738 --> 00:22:25,271 stain where we are because 610 00:22:26,122 --> 00:22:27,710 it gives us so much freedom. 611 00:22:28,584 --> 00:22:29,855 I'm not saying it would have been wrong 612 00:22:29,855 --> 00:22:31,619 to build that would have been fine it 613 00:22:31,619 --> 00:22:33,794 could have been folded into our plan, but 614 00:22:34,091 --> 00:22:36,165 we start to see what's more important to 615 00:22:36,165 --> 00:22:39,377 us and having freedom to go where grandchildren 616 00:22:39,595 --> 00:22:41,325 are, we only have 1 now, but we 617 00:22:41,524 --> 00:22:42,402 plan to have many. 618 00:22:43,679 --> 00:22:45,913 I like. And grandparents talk about. We plan 619 00:22:45,913 --> 00:22:47,429 to have many planned out. 620 00:22:49,679 --> 00:22:51,670 Seems like there's some other players in that 621 00:22:51,670 --> 00:22:55,277 in performance. They're irrelevant. But they're irrelevant. 622 00:22:56,052 --> 00:22:56,552 I 623 00:22:57,021 --> 00:22:59,801 small rules. Hey bright. We like having the 624 00:22:59,801 --> 00:23:01,548 freedom to be able to go on a 625 00:23:01,548 --> 00:23:03,454 camping trip with all of them or just 626 00:23:03,454 --> 00:23:05,940 to go hang out or to go help 627 00:23:06,329 --> 00:23:08,261 take care of somebody who's sick or whatever 628 00:23:09,034 --> 00:23:09,534 and 629 00:23:10,068 --> 00:23:11,500 not have to worry about, 630 00:23:13,984 --> 00:23:14,724 the bigger 631 00:23:15,183 --> 00:23:16,482 monthly expenses 632 00:23:16,861 --> 00:23:19,039 that aren't earning us anything. 633 00:23:19,738 --> 00:23:21,256 Yeah. If we we used to think a 634 00:23:21,256 --> 00:23:23,590 home was an asset, and it not. It's 635 00:23:23,590 --> 00:23:24,250 a liability 636 00:23:24,710 --> 00:23:26,390 and we don't wanna be tied to a 637 00:23:26,390 --> 00:23:27,130 barrel liability. 638 00:23:27,430 --> 00:23:30,525 We... If... Unless it becomes something that it's 639 00:23:30,724 --> 00:23:32,716 can make us some money somehow. Maybe we'll 640 00:23:32,716 --> 00:23:33,774 do that. But 641 00:23:34,150 --> 00:23:35,447 so that's how we 642 00:23:35,824 --> 00:23:38,109 kinda make those decisions based on is it 643 00:23:38,547 --> 00:23:40,400 expanding our freedom and 644 00:23:41,571 --> 00:23:43,242 helping us grow into the future that we 645 00:23:43,242 --> 00:23:44,856 wanna have for our family 646 00:23:45,231 --> 00:23:46,664 or does it hold us back? 647 00:23:49,463 --> 00:23:50,736 I wanna get to family, 648 00:23:51,373 --> 00:23:53,203 but there's something that you were talking about 649 00:23:53,203 --> 00:23:55,908 and all these choices and everything, and Corey 650 00:23:55,908 --> 00:23:56,226 sheer, 651 00:23:57,119 --> 00:23:59,619 is a friend of ours and a consultant 652 00:24:00,080 --> 00:24:02,980 who we have tapped into his his 653 00:24:03,279 --> 00:24:04,559 organization is called trust centric, 654 00:24:05,374 --> 00:24:05,874 and 655 00:24:06,810 --> 00:24:07,629 he asked 656 00:24:08,166 --> 00:24:08,485 Mike, 657 00:24:09,283 --> 00:24:10,959 Everett and myself 1 day, and I don't 658 00:24:10,959 --> 00:24:12,097 even remember the context, 659 00:24:12,649 --> 00:24:14,962 But he asked us what is our definition 660 00:24:14,962 --> 00:24:15,520 of wealth. 661 00:24:17,674 --> 00:24:20,146 And as we were all discussing kind of 662 00:24:20,146 --> 00:24:21,661 where we landed was, 663 00:24:23,266 --> 00:24:24,613 wealth is having options. 664 00:24:26,278 --> 00:24:28,973 And and I get to see that a 665 00:24:28,973 --> 00:24:29,870 close and personal 666 00:24:30,179 --> 00:24:32,247 on Wednesday afternoons. I get the volunteer a 667 00:24:32,247 --> 00:24:32,963 food pantry, 668 00:24:33,998 --> 00:24:36,783 and I get to see the lack of 669 00:24:36,783 --> 00:24:38,150 options. Well, plan. 670 00:24:39,423 --> 00:24:39,900 And 671 00:24:40,377 --> 00:24:41,888 so anyway, I think, 672 00:24:42,604 --> 00:24:44,273 you know, 1 of the things about life 673 00:24:44,273 --> 00:24:46,659 success and legacy is we wanna inspire financial 674 00:24:46,659 --> 00:24:47,216 hope and freedom. 675 00:24:48,346 --> 00:24:50,815 That is wealth. That is options. It's not 676 00:24:50,815 --> 00:24:51,554 that we 677 00:24:52,169 --> 00:24:54,877 are so money driven or anything like that. 678 00:24:55,196 --> 00:24:57,122 I mean, there well, I've caught we have 679 00:24:57,122 --> 00:24:59,353 clients who are rushing it compared to what 680 00:24:59,353 --> 00:25:00,627 we're doing with our system. 681 00:25:01,184 --> 00:25:02,003 I mean, they're 682 00:25:02,379 --> 00:25:04,609 building so much passive of income, you know, 683 00:25:04,928 --> 00:25:05,326 ridiculous. 684 00:25:06,298 --> 00:25:09,728 That's not me. I I find joy and 685 00:25:09,728 --> 00:25:10,126 simplicity. 686 00:25:11,084 --> 00:25:13,636 I find joy in helping people. I'd rather 687 00:25:13,636 --> 00:25:15,651 spend my time doing this with you. 688 00:25:16,125 --> 00:25:17,404 Or coaching a client, 689 00:25:17,884 --> 00:25:20,924 then researching the latest and greatest return on 690 00:25:20,924 --> 00:25:23,496 investment stuff. That's just not me. Now we 691 00:25:23,496 --> 00:25:25,008 may lose some clients they're are like, what 692 00:25:25,008 --> 00:25:27,554 is he talking about. But honestly, that's just 693 00:25:27,554 --> 00:25:29,622 that's not me. That's not what motivates me. 694 00:25:30,274 --> 00:25:33,012 So I like that definition of wealth being 695 00:25:33,630 --> 00:25:34,429 having options. 696 00:25:35,308 --> 00:25:37,146 Yes. So let's go to family. 697 00:25:37,785 --> 00:25:37,945 Okay. 698 00:25:38,758 --> 00:25:39,258 Kent, 699 00:25:40,111 --> 00:25:42,282 you now have multiple 700 00:25:42,896 --> 00:25:43,215 generations, 701 00:25:44,170 --> 00:25:46,815 and I'm curious how that has played out 702 00:25:46,815 --> 00:25:48,755 how Ib has played a role 703 00:25:49,055 --> 00:25:51,934 with your adult you and Todd's adult children, 704 00:25:52,494 --> 00:25:56,283 and even then to grandchildren Yeah And and 705 00:25:57,053 --> 00:25:58,664 maybe to an extent even 706 00:25:59,116 --> 00:26:01,339 older generation. When yeah. 707 00:26:04,055 --> 00:26:04,952 Sure. So 708 00:26:05,406 --> 00:26:06,360 that's a lot isn't it. 709 00:26:07,075 --> 00:26:07,393 Yeah. 710 00:26:08,665 --> 00:26:09,540 I will say, 711 00:26:10,589 --> 00:26:12,750 I won't go into his story because it's 712 00:26:12,750 --> 00:26:16,349 his story. Mh. But odds dad did learning 713 00:26:16,349 --> 00:26:19,009 about the infinite banking concept, and 714 00:26:19,403 --> 00:26:21,335 could very much see the value 715 00:26:22,029 --> 00:26:24,120 in that, and, you know, we 716 00:26:24,973 --> 00:26:25,768 took them through that, 717 00:26:27,452 --> 00:26:29,756 process, and there are ways that it helped 718 00:26:29,756 --> 00:26:31,185 him for sure, and that's the story I 719 00:26:31,185 --> 00:26:33,329 don't really want to tell, but I will 720 00:26:33,329 --> 00:26:34,385 say he definitely, 721 00:26:36,364 --> 00:26:38,039 it it has been helpful to him. 722 00:26:39,315 --> 00:26:41,410 And he and Todd still work together 723 00:26:42,186 --> 00:26:44,260 with all that. I kinda remove myself from 724 00:26:44,260 --> 00:26:46,429 it. You know, you've talked about. You know, 725 00:26:46,668 --> 00:26:49,862 with family, yeah, it it can be kinda 726 00:26:49,862 --> 00:26:50,841 hard to 727 00:26:51,778 --> 00:26:54,732 we're to navigate that well. Mh. But it 728 00:26:54,732 --> 00:26:57,055 definitely has been, you for sure blessing in 729 00:26:57,055 --> 00:26:58,404 his, like, I'm very helpful. 730 00:26:59,674 --> 00:27:00,388 My son, 731 00:27:01,022 --> 00:27:01,499 Logan, 732 00:27:02,689 --> 00:27:03,006 gosh, 733 00:27:03,973 --> 00:27:05,107 amazing guy 734 00:27:05,875 --> 00:27:06,375 has 735 00:27:06,747 --> 00:27:09,522 a background in wealth management specifically with, 736 00:27:11,365 --> 00:27:13,125 on the insurance side of things property and 737 00:27:13,125 --> 00:27:14,345 casualty. So 738 00:27:14,725 --> 00:27:15,225 risk 739 00:27:16,005 --> 00:27:16,244 stuff. 740 00:27:17,365 --> 00:27:18,644 And at first, he thought, 741 00:27:19,458 --> 00:27:21,049 walmart what he he after said, what are 742 00:27:21,049 --> 00:27:22,561 you doing? You need to bring your money 743 00:27:22,561 --> 00:27:25,027 into our company and. Well, that's me for 744 00:27:25,027 --> 00:27:25,663 you, Blah blah. 745 00:27:26,474 --> 00:27:29,341 And I agreed I would talk with him 746 00:27:29,341 --> 00:27:31,174 more about it if he would learn more 747 00:27:31,174 --> 00:27:34,041 about Ib c. And it took a while. 748 00:27:34,201 --> 00:27:36,048 Gosh. I think a couple of years, before 749 00:27:36,048 --> 00:27:38,144 he even came to a boot camp. And 750 00:27:38,920 --> 00:27:40,515 I remember mike Ge even saying, 751 00:27:41,472 --> 00:27:44,503 I sent Logan might have the arrival syndrome 752 00:27:44,503 --> 00:27:45,380 just a little bit. 753 00:27:46,354 --> 00:27:47,232 He he does. 754 00:27:48,111 --> 00:27:48,611 But 755 00:27:49,709 --> 00:27:51,946 at 1 point it all clicked with Logan 756 00:27:51,946 --> 00:27:53,065 and he realized. 757 00:27:53,480 --> 00:27:56,039 I really need to be serious about looking 758 00:27:56,039 --> 00:27:57,179 at this. And so 759 00:27:57,480 --> 00:28:00,335 he at he and his wife, Alex have 760 00:28:00,534 --> 00:28:03,328 far surpassed odd me in our plan, and 761 00:28:03,328 --> 00:28:04,047 they actually, 762 00:28:05,643 --> 00:28:07,480 well, I don't wanna tell their story either, 763 00:28:07,639 --> 00:28:09,496 but they have an amazing clayton 764 00:28:10,923 --> 00:28:12,275 that they can choose to work. 765 00:28:12,911 --> 00:28:15,136 Yeah. In not too many years from now, 766 00:28:15,375 --> 00:28:18,333 like, less than 10 years or now. They 767 00:28:18,333 --> 00:28:19,847 could choose not to work if they wanted 768 00:28:19,847 --> 00:28:21,441 to. Now they're not the kind who wouldn't 769 00:28:21,441 --> 00:28:24,549 work. They'll always contribute to society in a 770 00:28:24,549 --> 00:28:24,948 very. 771 00:28:26,158 --> 00:28:26,635 Big way, 772 00:28:27,351 --> 00:28:27,851 but 773 00:28:28,703 --> 00:28:29,817 they won't have to. 774 00:28:30,851 --> 00:28:32,522 They have an amazing planet 775 00:28:33,093 --> 00:28:35,790 So, again, well... Options. They have options. 776 00:28:36,821 --> 00:28:38,328 Yep. They do. Yeah. 777 00:28:39,042 --> 00:28:39,780 And then 778 00:28:40,169 --> 00:28:43,670 So my son and daughter daughter. So they're 779 00:28:43,670 --> 00:28:45,818 in a situation where they're not ins she. 780 00:28:47,012 --> 00:28:48,762 And so we're not able to ensure them, 781 00:28:48,921 --> 00:28:52,134 but my granddaughter, we can ensure. And we 782 00:28:52,134 --> 00:28:53,975 have as soon as she was born we 783 00:28:53,975 --> 00:28:56,455 got a policy started on her because, you 784 00:28:56,455 --> 00:28:58,305 know, having a a child who can't be 785 00:28:58,305 --> 00:29:00,798 insured makes you kind of think differently 786 00:29:01,175 --> 00:29:01,675 about 787 00:29:02,610 --> 00:29:04,683 how soon this should get done. And so 788 00:29:04,683 --> 00:29:06,369 we kind of tend to be preacher at 789 00:29:06,369 --> 00:29:08,911 live success legacy about, oh, you have little 790 00:29:08,911 --> 00:29:10,976 ones to get them insured today right now. 791 00:29:11,294 --> 00:29:13,041 Because you never know what tomorrow holds, and 792 00:29:13,041 --> 00:29:13,541 that's 793 00:29:14,153 --> 00:29:14,653 maybe 794 00:29:16,078 --> 00:29:16,818 a fear 795 00:29:17,436 --> 00:29:19,274 situation that I have always going on in 796 00:29:19,274 --> 00:29:20,333 my brain, but 797 00:29:21,191 --> 00:29:21,830 I don't think it's... 798 00:29:22,563 --> 00:29:24,232 Fears as much as I think it's just 799 00:29:24,232 --> 00:29:26,456 smart to get that coverage being. It enough. 800 00:29:26,695 --> 00:29:28,999 I mean, I've experienced it. Mike Ever has 801 00:29:28,999 --> 00:29:30,509 experienced it with his grandchildren. 802 00:29:31,318 --> 00:29:32,507 Yeah. I mean, there's... 803 00:29:33,696 --> 00:29:37,026 I can give example after example of kids 804 00:29:37,026 --> 00:29:38,374 that cannot get insured. 805 00:29:38,944 --> 00:29:39,104 Yep. 806 00:29:39,823 --> 00:29:42,619 Or adults that can't get insured and don't 807 00:29:42,619 --> 00:29:45,336 don't have insurance. And so, yeah, we we 808 00:29:45,336 --> 00:29:45,815 do preach. 809 00:29:46,549 --> 00:29:48,067 Now we do get on our soap box 810 00:29:48,067 --> 00:29:49,825 about that because it makes a difference. So 811 00:29:49,825 --> 00:29:52,302 at just this week, we had a kiddo, 812 00:29:52,862 --> 00:29:54,220 a grandchild that was denied. 813 00:29:54,794 --> 00:29:57,111 Yep. And, you know, to some degree, it's 814 00:29:57,111 --> 00:29:57,611 heartbreaking, 815 00:29:59,269 --> 00:30:01,266 especially as you go into the future and 816 00:30:01,266 --> 00:30:03,998 you think about, okay, That... That kiddo is 817 00:30:03,998 --> 00:30:05,197 something gonna get married. 818 00:30:06,156 --> 00:30:06,475 Right? 819 00:30:07,035 --> 00:30:08,713 And if they don't have it can't get 820 00:30:08,713 --> 00:30:10,551 insurance, what does that mean for their family 821 00:30:10,551 --> 00:30:12,642 if something were to happen to them? The 822 00:30:12,642 --> 00:30:14,711 besides the whole C thing. Yeah. 823 00:30:15,348 --> 00:30:15,587 Yeah. 824 00:30:16,622 --> 00:30:19,011 But there... You know, the hopeful thing in 825 00:30:19,011 --> 00:30:20,046 the middle wall of that, 826 00:30:21,180 --> 00:30:23,500 you know, the fact that we can ensure 827 00:30:23,500 --> 00:30:24,880 and did ensure Capri 828 00:30:25,339 --> 00:30:27,180 still gets her family started. 829 00:30:27,900 --> 00:30:28,059 Really. 830 00:30:29,753 --> 00:30:32,067 Right now. And that's 1 of the things 831 00:30:32,227 --> 00:30:34,062 I I tell clients, you know, when we 832 00:30:34,062 --> 00:30:35,839 have to give them the hard news that 833 00:30:35,977 --> 00:30:36,990 this child not 834 00:30:37,509 --> 00:30:39,910 or you're not ins insure, so your child 835 00:30:39,910 --> 00:30:41,269 can't have that death benefit, 836 00:30:42,950 --> 00:30:45,755 assurance on your life, durable But because of 837 00:30:45,914 --> 00:30:49,484 Ib, there are options, it's still infinite. Even, 838 00:30:49,643 --> 00:30:51,388 you know, even if you're not ins insure, 839 00:30:51,547 --> 00:30:52,816 there are still options. 840 00:30:53,468 --> 00:30:54,027 And so, 841 00:30:54,824 --> 00:30:56,419 I I just always like to mention that. 842 00:30:56,579 --> 00:30:58,493 So even for my son and lo daughter, 843 00:30:59,051 --> 00:31:01,625 if they decide to learn about Iv and 844 00:31:01,683 --> 00:31:03,774 ever implement it in their lives there are 845 00:31:03,774 --> 00:31:04,813 options. Mh. 846 00:31:05,532 --> 00:31:07,790 We won't go into that here, but I'm 847 00:31:08,089 --> 00:31:10,247 the thrilled that I have... We've got a 848 00:31:10,247 --> 00:31:12,460 policy going on my granddaughter and we talked 849 00:31:12,499 --> 00:31:13,534 about it. She's only 3. 850 00:31:14,171 --> 00:31:16,479 And I bought Beaver the banker, the book 851 00:31:16,479 --> 00:31:17,536 that I learned about. 852 00:31:18,708 --> 00:31:20,299 And the author was there in Mike Everett 853 00:31:20,299 --> 00:31:22,210 at New and he went and grabbed it 854 00:31:22,210 --> 00:31:23,577 about a book for I'm, like, I need 855 00:31:23,577 --> 00:31:25,962 that book. And so I jumped online and 856 00:31:25,962 --> 00:31:27,632 got it for right away. And we just 857 00:31:27,632 --> 00:31:29,541 read it this trip. I was there last 858 00:31:29,541 --> 00:31:32,043 week and we read it into she loves 859 00:31:32,178 --> 00:31:34,425 that book. She loves beaver and 860 00:31:35,276 --> 00:31:37,261 hadn't ever heard about banking and what is 861 00:31:37,261 --> 00:31:39,008 this about? So she has no idea what 862 00:31:39,088 --> 00:31:39,565 I will say. 863 00:31:40,453 --> 00:31:40,953 But 864 00:31:41,329 --> 00:31:44,272 she's being introduced to the words. So she 865 00:31:44,272 --> 00:31:46,682 won't grow up having to un unload anything, 866 00:31:48,662 --> 00:31:51,680 to make space for Ib c. It's just 867 00:31:51,680 --> 00:31:52,951 gonna be. He's just gonna 868 00:31:54,794 --> 00:31:56,788 So tell listeners a little bit about Cap, 869 00:31:56,947 --> 00:31:59,021 because sometimes Cap and our meetings will pop 870 00:31:59,021 --> 00:32:00,478 up on your lap and 871 00:32:01,653 --> 00:32:03,885 if in engage with us. Really she just 872 00:32:03,885 --> 00:32:06,295 wants. Grandma. Right? What does she call you? 873 00:32:06,853 --> 00:32:09,487 Gigi? Gigi. That's right. Gigi. She just wants 874 00:32:09,647 --> 00:32:11,323 Gigi to get off her computer and play. 875 00:32:11,562 --> 00:32:11,802 Right? 876 00:32:13,092 --> 00:32:15,711 Well yes, but she also, I... She does 877 00:32:15,711 --> 00:32:18,091 now because she's associated the fact that work 878 00:32:18,091 --> 00:32:20,567 takes me away from her. But you know, 879 00:32:20,806 --> 00:32:22,319 I got to help take care of her 880 00:32:22,319 --> 00:32:23,752 for the first 4 months of her life. 881 00:32:24,230 --> 00:32:26,619 Most of our clients know this either because 882 00:32:26,778 --> 00:32:28,585 I've been there while I'm coaching them and 883 00:32:28,704 --> 00:32:29,262 she pops in. 884 00:32:30,776 --> 00:32:32,130 Or because I just have to talk about 885 00:32:32,130 --> 00:32:34,144 her because I love her so much. But 886 00:32:35,397 --> 00:32:37,309 she grew up in front of the computer 887 00:32:37,309 --> 00:32:39,238 screen with me working. She she was often 888 00:32:39,238 --> 00:32:40,616 right there with me. And so 889 00:32:40,994 --> 00:32:41,153 it's... 890 00:32:42,271 --> 00:32:43,948 And gets it. This is this is part 891 00:32:43,948 --> 00:32:45,544 of our life. And this is part of 892 00:32:45,544 --> 00:32:47,561 the infinite thinking concept. And 893 00:32:48,034 --> 00:32:48,753 So... Yeah. 894 00:32:50,591 --> 00:32:50,830 Yeah. 895 00:32:51,630 --> 00:32:52,908 Shelley form this, 896 00:32:55,065 --> 00:32:55,385 conversation. 897 00:32:56,038 --> 00:32:57,704 Is so rewarding for me. 898 00:32:59,768 --> 00:33:02,704 Just listening to what you and Todd and 899 00:33:02,704 --> 00:33:03,998 your family have 900 00:33:05,658 --> 00:33:06,158 created 901 00:33:06,691 --> 00:33:07,646 and are creating, 902 00:33:08,202 --> 00:33:10,906 And and then what you bring to the 903 00:33:10,906 --> 00:33:12,679 table for our 904 00:33:13,069 --> 00:33:14,668 life success legacy clients. 905 00:33:16,266 --> 00:33:18,424 I can't imagine and, in fact, I hate 906 00:33:18,424 --> 00:33:19,623 to do this, but I have to give 907 00:33:19,623 --> 00:33:21,221 credit to your husband who told me I 908 00:33:21,221 --> 00:33:22,020 needed to hire you. 909 00:33:23,632 --> 00:33:24,349 Adam yeah. 910 00:33:25,306 --> 00:33:26,343 In this conversation. 911 00:33:28,017 --> 00:33:28,996 We'll do another 912 00:33:29,452 --> 00:33:29,692 conversation. 913 00:33:30,569 --> 00:33:32,500 We need a follow up. Where we talk 914 00:33:32,500 --> 00:33:35,319 more about your role as the client coordinator 915 00:33:35,380 --> 00:33:37,000 within life success and legacy. 916 00:33:37,779 --> 00:33:38,179 Okay good. 917 00:33:39,554 --> 00:33:42,355 The personal side, the story, the journey that 918 00:33:42,355 --> 00:33:43,414 you guys have taken 919 00:33:44,835 --> 00:33:45,335 is 920 00:33:46,274 --> 00:33:47,234 so fun to hear, 921 00:33:48,209 --> 00:33:49,907 It is just an absolute 922 00:33:50,286 --> 00:33:51,884 absolute blast to hear. And I know our 923 00:33:51,884 --> 00:33:53,482 listeners are gonna enjoy it as well. 924 00:33:54,281 --> 00:33:55,080 Well, thanks. I. 925 00:33:56,052 --> 00:33:58,046 Appreciate the opportunity to tell my story even 926 00:33:58,046 --> 00:33:59,322 though I don't like telling it on the 927 00:33:59,322 --> 00:34:01,954 camera. But. Is there anything else that you 928 00:34:01,954 --> 00:34:03,789 would want the listeners to know before we 929 00:34:03,789 --> 00:34:04,347 wrap this up? 930 00:34:06,588 --> 00:34:07,246 I think 931 00:34:08,411 --> 00:34:11,503 I I think I basically already said this, 932 00:34:11,820 --> 00:34:12,375 but it's a... 933 00:34:13,902 --> 00:34:16,775 Conversation that I find myself having frequently with 934 00:34:16,775 --> 00:34:17,493 clients is, 935 00:34:21,334 --> 00:34:24,373 especially people who have an accumulation mindset or 936 00:34:25,778 --> 00:34:28,397 they're not having enough. I I do hear 937 00:34:28,397 --> 00:34:29,032 that a lot, 938 00:34:29,842 --> 00:34:31,059 what if I can't 939 00:34:32,073 --> 00:34:33,746 pay that? It feels like a bill. What 940 00:34:33,746 --> 00:34:34,702 if I can't pay it, 941 00:34:35,578 --> 00:34:37,729 or what if whatever? There are so many 942 00:34:37,729 --> 00:34:38,739 what and 943 00:34:39,654 --> 00:34:43,234 I remember that feeling, all what if and 944 00:34:43,234 --> 00:34:44,370 all the fear 945 00:34:45,143 --> 00:34:45,643 and 946 00:34:45,953 --> 00:34:49,837 Id has really helped me understand money is 947 00:34:49,837 --> 00:34:52,533 just a tool. It really is just a 948 00:34:52,533 --> 00:34:52,771 tool. 949 00:34:53,817 --> 00:34:56,045 Not to be played with lightly and taken 950 00:34:56,045 --> 00:34:57,556 lightly and, you know, 951 00:34:58,272 --> 00:34:59,249 be irresponsible, 952 00:34:59,942 --> 00:35:00,442 but 953 00:35:00,832 --> 00:35:02,025 it's just a tool. 954 00:35:02,740 --> 00:35:04,251 And if you use it that way weather 955 00:35:04,251 --> 00:35:06,238 and I've heard mike ever say this a 956 00:35:06,238 --> 00:35:08,067 lot. Whether it's a little, 957 00:35:08,559 --> 00:35:10,947 or it's a lot, it works the exact 958 00:35:10,947 --> 00:35:11,505 same way. 959 00:35:12,141 --> 00:35:15,827 And so if you live within your means 960 00:35:17,174 --> 00:35:19,731 and use money as the tool that it 961 00:35:19,731 --> 00:35:20,130 is, 962 00:35:21,329 --> 00:35:23,806 it will all work out. It it just 963 00:35:23,806 --> 00:35:25,300 will. I mean, there there's 964 00:35:25,739 --> 00:35:26,239 responsibility 965 00:35:26,539 --> 00:35:27,820 in the middle of all that, you have 966 00:35:27,820 --> 00:35:29,179 to, you know, be responsible, 967 00:35:29,579 --> 00:35:31,420 have coaches who can help you think through 968 00:35:31,420 --> 00:35:32,699 stuff, use them, 969 00:35:33,593 --> 00:35:35,029 follow the plan. 970 00:35:37,342 --> 00:35:39,416 That's key. I mean, you can't just buy 971 00:35:39,416 --> 00:35:41,649 a life insurance policy and say, okay. I'm 972 00:35:41,649 --> 00:35:44,052 done now let's see it work. Yeah. Actually, 973 00:35:44,290 --> 00:35:47,488 you take action. And I feel like once 974 00:35:47,940 --> 00:35:49,131 once we had a plan, 975 00:35:49,925 --> 00:35:52,244 and we're able to use it and... Follow 976 00:35:52,244 --> 00:35:54,961 it and take the action. Fear just goes 977 00:35:54,961 --> 00:35:57,278 away because it does what it's supposed to 978 00:35:57,278 --> 00:35:58,876 do if I do what I'm supposed to 979 00:35:58,876 --> 00:36:01,364 do. That's really all it is. The question 980 00:36:01,364 --> 00:36:03,114 people always ask is there's always a risk. 981 00:36:03,273 --> 00:36:04,545 What's the risk? Yeah? 982 00:36:05,181 --> 00:36:07,327 Yeah. And and and they kinda give us 983 00:36:07,327 --> 00:36:08,861 the side eye when we go 984 00:36:09,315 --> 00:36:09,792 you are. 985 00:36:10,445 --> 00:36:12,465 It's so true. It's so true 986 00:36:12,765 --> 00:36:14,684 When you guys told us how to start, 987 00:36:14,845 --> 00:36:16,365 we did not do it the way you 988 00:36:16,365 --> 00:36:17,905 said. We did it 989 00:36:18,525 --> 00:36:21,514 half of what you said. And it's fine 990 00:36:21,650 --> 00:36:24,275 because it still worked the same way, but 991 00:36:24,275 --> 00:36:26,105 dang it, it could've worked better. 992 00:36:27,233 --> 00:36:28,826 Bob not kick ourselves all the ty work. 993 00:36:28,985 --> 00:36:30,100 We should've have done what they said. 994 00:36:30,737 --> 00:36:33,922 And that is just absolutely the truth and 995 00:36:33,922 --> 00:36:36,404 and now working with life 6. Just legacy 996 00:36:36,484 --> 00:36:38,706 I see. The sausage you get made. I 997 00:36:38,706 --> 00:36:40,373 see what happens on the back end and 998 00:36:40,532 --> 00:36:41,881 I hear everybody talk about. 999 00:36:42,754 --> 00:36:44,635 No. Let's give them plenty of room. Let's 1000 00:36:44,754 --> 00:36:46,264 let's be sure we don't come short here. 1001 00:36:46,503 --> 00:36:48,251 Let's be sure we help. Know how conservative 1002 00:36:48,251 --> 00:36:48,569 we are. 1003 00:36:49,364 --> 00:36:52,407 So conservative. And if I would have realized 1004 00:36:52,702 --> 00:36:55,105 that, back let's we got started, 1005 00:36:55,663 --> 00:36:57,518 but my fear of 1006 00:36:57,894 --> 00:36:59,568 not having enough to live in To fear 1007 00:36:59,568 --> 00:37:00,763 of not being able to do everything he 1008 00:37:00,763 --> 00:37:01,401 wants to do. 1009 00:37:02,768 --> 00:37:05,155 Held us back. And so, yeah, I I 1010 00:37:05,155 --> 00:37:05,655 think 1011 00:37:06,587 --> 00:37:07,087 trusted 1012 00:37:07,780 --> 00:37:08,518 the process, 1013 00:37:08,907 --> 00:37:12,077 and following it and, you know, doing what 1014 00:37:12,077 --> 00:37:13,820 the plan says. You gotta do what the 1015 00:37:13,820 --> 00:37:14,295 plan says. 1016 00:37:15,008 --> 00:37:15,508 And 1017 00:37:17,011 --> 00:37:18,605 You don't have to be afraid. Money just 1018 00:37:18,605 --> 00:37:20,438 a tool. Even though Mike Ever didn't do 1019 00:37:20,438 --> 00:37:21,873 what his plan was supposed to do the 1020 00:37:21,873 --> 00:37:23,866 first 3 years of his plan. Still worked. 1021 00:37:24,358 --> 00:37:25,944 Yeah and work better if you follow the 1022 00:37:25,944 --> 00:37:27,157 plant. Totally. 1023 00:37:30,542 --> 00:37:33,261 My friend. This has been so fun. Thank 1024 00:37:33,261 --> 00:37:35,675 you for stepping out of your comfort zone 1025 00:37:35,733 --> 00:37:37,568 and stepping in front of a little camera. 1026 00:37:38,445 --> 00:37:40,758 I appreciate that so much. And I look 1027 00:37:40,758 --> 00:37:43,010 forward to our next 1 where we start 1028 00:37:43,010 --> 00:37:45,329 talking about your role within life success and 1029 00:37:45,329 --> 00:37:45,809 legacy. 1030 00:37:47,089 --> 00:37:49,569 To our listeners, we wanna thank you all 1031 00:37:49,569 --> 00:37:51,264 for joining us at the life 6... Us 1032 00:37:51,264 --> 00:37:54,138 legacy podcast. Check us out. Our website is 1033 00:37:54,138 --> 00:37:56,533 life success legacy dot com, we have tons 1034 00:37:56,533 --> 00:37:59,328 of resources. So whatever your learning style is, 1035 00:37:59,487 --> 00:38:02,612 whether it's listening to whether it is reading, 1036 00:38:03,568 --> 00:38:04,683 if you like to, 1037 00:38:05,400 --> 00:38:06,994 kinda study on your own, We have a 1038 00:38:06,994 --> 00:38:09,640 learning kit, with lots of resources for you, 1039 00:38:09,879 --> 00:38:11,714 or if you prefer to talk, then just 1040 00:38:11,714 --> 00:38:13,570 reach out to us. We have a contact 1041 00:38:13,629 --> 00:38:13,868 us, 1042 00:38:15,239 --> 00:38:17,228 button on our website. And if you wanna 1043 00:38:17,228 --> 00:38:18,580 talk with 1 of us, we'd love to 1044 00:38:18,580 --> 00:38:21,148 do that, can also sign up for webinars 1045 00:38:21,284 --> 00:38:22,135 that we do 1046 00:38:23,048 --> 00:38:25,195 2... We usually 2 times a month or 1047 00:38:25,195 --> 00:38:27,817 so. Mike Everett typically does those. It's kind 1048 00:38:27,817 --> 00:38:31,516 of an introduction and a, summary of the 1049 00:38:31,654 --> 00:38:33,887 becoming your own banker book. And then our 1050 00:38:33,887 --> 00:38:36,599 deep dive learning is our boot camps, which 1051 00:38:36,599 --> 00:38:38,513 we do about every 6 weeks. That is 1052 00:38:38,513 --> 00:38:40,598 a 2 and a half to 3 hour 1053 00:38:40,598 --> 00:38:42,346 deep dive into infinite banking. 1054 00:38:42,902 --> 00:38:44,967 We recommend you do some pre learning before 1055 00:38:44,967 --> 00:38:46,634 you get to that. Do the webinar, Read 1056 00:38:46,714 --> 00:38:48,779 Nelson's book, etcetera before you jump to the 1057 00:38:48,779 --> 00:38:50,306 boot k up because that would be, like, 1058 00:38:51,581 --> 00:38:52,719 jumping into calculus, 1059 00:38:53,095 --> 00:38:55,167 and you don't know your math facts yet. 1060 00:38:56,602 --> 00:38:56,841 Right? 1061 00:38:57,652 --> 00:38:59,564 So to our listeners, thank you again for 1062 00:38:59,564 --> 00:39:01,714 joining us, and we will catch you next 1063 00:39:01,714 --> 00:39:04,501 time on our life success legacy podcast.