Do This Now To Pay Less Taxes In 2025

Summary

Podcast Summary: Andy Elliott's Elite Mindset Motivation and Sales Training
Episode: Do This Now To Pay Less Taxes In 2025
Release Date: March 11, 2025

In this insightful episode of Andy Elliott's Elite Mindset Motivation and Sales Training, host Andy Elliott delves deep into effective strategies for minimizing tax liabilities in 2025. Joined by tax experts Joe and Kuldeep, the discussion offers actionable advice for business owners, self-employed individuals, and high-net-worth professionals aiming to retain more of their earnings. The episode is rich with expert insights, practical strategies, and motivational encouragement to inspire listeners to take control of their financial futures.

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1. The Crucial Importance of Tax Planning

Andy Elliott opens the episode by emphasizing the universal desire to pay fewer taxes. He underscores that it's not merely about how much one earns but significantly about how much one manages to retain after taxes.

Andy [00:07]: "Everybody in the world wants to know how to pay less money in taxes. It's not always about what you make, it's about how much you keep."

Reflecting on his personal experience, Andy shares his realization of how much his earnings were dwindling due to taxes, setting the stage for the importance of effective tax strategies.

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2. Introducing Joe and Kuldeep: Tax Reduction Experts

Andy introduces his esteemed guests, Joe and Kuldeep, highlighting their expertise in tax reduction. He notes their educational backgrounds and their ability to transform anyone's tax strategy, irrespective of their experience level in sales or business.

Joe [02:05]: "We are not tax attorneys, accountants in any way giving any type of tax advice... We solve unique, advanced, large tax-driven issues for the high net worth, ultra high net worth, and self-employed or owner-operator spaces."

A clear disclaimer is provided to ensure listeners understand that Joe and Kuldeep are specialized tax strategists, not traditional tax attorneys or accountants.

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3. The Birth of a Powerful Partnership

Joe recounts how he and Kuldeep met, which led to their collaborative efforts in tax planning. Their partnership began with an extensive, albeit unconventional, nine-hour lunch during the COVID inception period.

Joe [02:54]: “That’s how we met... it was a nine-hour extravaganza. That's rare in Manhattan.”

This anecdote highlights their dedication and the strong foundation of their professional relationship, which later expanded to include collaboration with Andy Elliott.

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4. Complementing Existing Advisors with Specialized Strategies

Joe and Kuldeep explain their roles in the tax planning ecosystem, emphasizing that they complement rather than replace existing advisors like CPAs and attorneys. They solve advanced tax issues that typically fall outside the expertise of generalist advisors.

Kuldeep [05:30]: "We collaborate with all kinds of financial advisors, money managers, CPAs, tax attorneys, trust and estate attorneys. We're brought in to solve the issue because that's not their expertise."

This collaboration ensures comprehensive coverage of both income-driven and net worth-driven tax strategies, providing clients with holistic financial planning.

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5. Identifying the Ideal Clients

The trio discusses their ideal clientele, focusing on individuals and business owners with substantial income and net worth seeking to minimize their tax burdens.

Andy [05:34]: "My biggest clients are worth about $20 million... business owners are key."

Kuldeep [06:10]: "It's the most important thing you could do. You don't do any extra work. You just got to figure out how to pay less in taxes by stacking efficient strategies."

Their target clients are primarily self-employed, owner-operators, and high-income earners who are motivated to retain more of their earnings through strategic tax planning.

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6. Advanced Tax Reduction Strategies

Joe and Kuldeep outline several sophisticated tax strategies designed to significantly reduce tax liabilities:

• Cost Segregation and Equipment Depreciation: These strategies allow businesses to accelerate depreciation on assets, resulting in substantial immediate tax deductions.

  Kuldeep [25:42]: "Most people struggle with building the vision of what am I going to be doing in 3, 4, 5, 10, 15, 20 years?... How much of what you've built do you want your kids to get?"

• Advanced Qualified Retirement Plans: They discuss the design of customized retirement plans that go beyond standard 401(k)s, enabling business owners to contribute significantly larger sums, thus reducing taxable income.

  Joe [27:05]: "If you could put 2, 3, 5, 7 million... that's called advanced qualified plan design."

• Insurance Strategies: Utilizing insurance as a tax-efficient tool to shield assets from income, capital gains, and estate taxes.

  Kuldeep [16:54]: "Insurance is a great tool. It's a triple tax-free tool. No income tax, no cap gains, no estate taxes."

• Charitable and Trust Planning: Establishing trusts and charitable foundations to manage and transfer wealth efficiently, ensuring minimal tax implications for heirs.

  Kuldeep [14:37]: "There's the entire legal world of building trust and taking all your money and putting it in there and losing access control."

These strategies are meticulously designed to address both current tax liabilities and future estate planning needs, ensuring sustainable wealth preservation.

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7. The "Don't Tax Me Bro" Roadshow: Spreading Tax Knowledge

The conversation shifts to their collaborative initiative, the "Don't Tax Me Bro" roadshow, a nationwide tour aimed at educating advisors and high-net-worth individuals on advanced tax strategies.

Joe [23:18]: "We dubbed it the don't tax me bro roadshow... it's a huge brand."

Kuldeep [23:44]: "Booked out about 20-something already for next year and still got a few months till next year."

The roadshow serves as a platform to disseminate their knowledge, engage with peers, and connect directly with potential clients seeking to optimize their tax strategies.

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8. Emphasizing Money Education

A recurring theme throughout the episode is the importance of financial education. Andy, Joe, and Kuldeep stress that understanding money and tax strategies is essential for building and maintaining wealth.

Andy [18:30]: "Most wealthy people will tell you the reason why they're really wealthy is because of money. They understand money."

Kuldeep [31:04]: "I think of this as like an entryway to education around money."

They advocate for demystifying complex tax laws and making advanced strategies accessible and understandable, empowering clients to make informed financial decisions.

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9. Enhancing Existing Relationships Without Replacing Advisors

Joe and Kuldeep clarify that their objective is not to supplant current financial advisors but to augment their clients' financial planning teams with specialized expertise.

Joe [08:57]: "We're tools in your advisor's belts... Let's make a big round table."

Kuldeep [40:27]: "We're not great at what you do. And I can learn from you."

This collaborative approach ensures that clients receive comprehensive support, leveraging the strengths of all their financial professionals to achieve optimal tax outcomes.

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10. Motivational Call to Action: Take Control of Your Financial Future

As the episode concludes, Andy urges listeners to proactively reach out to Joe and Kuldeep to explore customized tax strategies. He emphasizes the transformative potential of their expertise in enhancing financial retention and overall wealth.

Andy [37:02]: "Make sure you reach out to them... They're awesome."

Kuldeep [40:25]: "They're good people. That's what matters. Stand for something. Have some values, have some beliefs."

Listeners are encouraged to connect via phone, email, or social media to initiate conversations that could significantly alter their financial trajectories.

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Notable Quotes

• Andy [00:07]: "Everybody in the world wants to know how to pay less money in taxes. It's not always about what you make, it's about how much you keep."

• Joe [02:05]: "We are not tax attorneys, accountants in any way giving any type of tax advice... We solve unique, advanced, large tax-driven issues for the high net worth, ultra high net worth, and self-employed or owner-operator spaces."

• Kuldeep [14:37]: "There's the entire legal world of building trust and taking all your money and putting it in there and losing access control."

• Kuldeep [31:04]: "I think of this as like an entryway to education around money."

• Andy [37:02]: "Make sure you reach out to them... They're awesome."

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Conclusion

This episode of Andy Elliott's Elite Mindset Motivation and Sales Training serves as a comprehensive guide for individuals seeking to minimize their tax burdens through advanced strategies. By collaborating with Joe and Kuldeep, listeners gain access to specialized knowledge that complements existing financial advice, empowering them to retain more of their hard-earned money. The motivational drive to take immediate action is palpable, encouraging proactive financial planning to secure a prosperous future.

For business owners, self-employed professionals, and high-net-worth individuals, this episode is an invaluable resource in navigating the complexities of tax planning, ensuring that their financial strategies are both effective and sustainable.

Transcript

[Andy]

Hey, guys, what's going on? Andy. Elliott. Guys, today this is the we'll call it podcast. I'm gonna call it Training the Coaching Man. I would say that I've been waiting for my whole life. And it's how to pay less money in taxes. Everybody in the world wants to know how to pay less money in taxes. It's not always about what you make, it's about how much you keep. There you go.

[Kuldeep]

Absolutely.

[Andy]

Yeah. Like, I remember when I got my first check, I was like, yeah, I made a lot of money. And it's like, oh, shoot, you know, where did it all go? And, yeah, so. So, guys, yeah, I'm here with some really good buddies of mine who are extremely educated, they're very smart, and it's a. It's just a really powerful resource that I have. And like, I'm gonna share them with you, okay? And by the way, I'm about to shut up in a minute because these are the educators. I'm gonna hand this over to them and they're gonna spitfire, okay? And literally, I'd recommend a couple things. Number one, grab a pen, grab piece of paper, okay? Because they're going to give you some stuff that's going to change your life. Number two, you guys can use them, okay, as a resource. I love it. Anybody that saved me a lot of money, anybody that changes my life, I'm going to hand them over to you guys now. And I know that a lot of you like to make a lot of money. You want to keep more money. So they're going to do a couple things. Number one, you can hit them up on social media and you can DM them, okay? You can ask them any question. Number two, you can call them. I mean, they said, hey, man, we'll give you our number. It's totally cool. You can call us. Number three, you can shoot them, email, I really don't care. But I'm going to give you three different ways to contact them, and I'm going to turn it over to you guys. By the way, you guys are like brothers. You guys are, you know, family. I love their core values. Just forget about, you know, saving money and taxes and making a lot of money in life. Your shirt says stand for something right here. Yeah. These guys values are awesome. So not only can they help you, like from an economical standpoint and from a business standpoint, which is we all love, but they're also great people, which I feel like it's hard to find those two together. So which one of you want to start the fire.

[Joe]

Want to start with how we. How we met.

[Kuldeep]

Start with how we met.

[Joe]

Well, I guess first let's, let's, let's set the right. The right preface here. We are not tax attorneys, accountants in any way giving any type of tax advice that goes without saying. However, we are brought in by those communities and many other advisors, you know, raas family offices, other advanced planning firms to solve unique, advanced, large tax driven issues for the high net worth, ultra high net worth. And you're like self employed or owner operator spaces. That's, you know, those are the only realms we plan.

[Andy]

Disclaimer. Right out there.

[Joe]

Yeah, right out the.

[Andy]

Let's roll.

[Joe]

All right, now. Let's rock. So, yeah, don't tax me, bro. Was bred many, many. I guess an inception was bred. When Kuldeep and I met, he cold.

[Kuldeep]

Called me, let's be clear. Joe cold called me and that's how we met. He took me to what I call the world's longest lunch. About a nine hour lunch, was it?

[Joe]

Right. Inception of COVID So Kuldeep the prior year put out some numbers with a company that we work with that were pretty wild. I was like, shit, this guy's kind of around my age. He's local. I see a lot of old faces on this list. Like, old, not ones I knew particularly. But this guy looks cool. Let me call him. So Cole called him. It's like, you're 40 minutes away, let's grab lunch. And it was, yeah, it was a nine hour extravaganza. That's rare in Manhattan.

[Kuldeep]

So we're about three quarters of the way through this and I'm like, my mom just called. I got family dinner tonight. I need to get home soon. He goes, let's go. So he comes over to my house, he meets my mom, my grandma, my parents, my dog. He walks my dog. My wife's like, who the hell is this guy? Why is he at our house? Because he's that big. It was bizarre.

[Joe]

I was, Yeah, I mean, Covid, like it was all remote work and pretty much I ate and trained. That was it.

[Andy]

Yeah.

[Joe]

So, yeah, there was a point where his, his neighbors getting, you know, texts and calls, blowing him up. Like, there's this giant man walking your wife and your dog. Do we need to confront him? It's going to take a few of us, but yeah, we knew that like right then that our worlds overlapped. And then the next morning kind of reconvened of like, all right, families have met. Did we just become best friends? It's like a Stepbrother's moment.

[Andy]

So like brothers.

[Joe]

Yeah. Present day Andy, you know, our firms are very close proximity, we're very close. Our staff overlaps a lot. Not like employment, but collaborates together. And we serve the same communities, we're clients of one another, we serve the same communities. We just kind of come at it from two different unique tax problems. So on my end it's more income driven. So think like if you're self employed or an owner operator out there and you are tired of, tired of getting absolutely crushed in annual fed, state and city income exposure. That's when we're brought in by unique advisors and by generalists. You know, why don't you give the, the PC to specialist, you know, medical example. I mean there's best way to deliver this.

[Kuldeep]

Think about it. You get a heart issue, you have a brain issue, you've got tumor in your head, your doctor figures out there's something wrong with you, he can't cut it out. He needs to go get a brain surgeon to do it. Joe does brain surgery, I do open heart surgery. They're completely different worlds. We collaborate with all kinds of financial advisors, money managers, CPAs, tax attorneys, trust and state attorneys. We're brought in to solve the issue because that's not their expertise. Does that make sense?

[Andy]

Who is your ideal client right now? If somebody's watching you, so I can.

[Kuldeep]

Give you an absolute minimum standard, but then it kind of goes up and then I'd tell you the ceilings about my best client. My biggest clients are worth about $3 billion. Very low end. 20 million is probably the 10, 20 million. Somewhere in that range, growing, rising, young, hungry people that are making a million dollars a year, they have got a couple million liquid. Business owners are key. I don't have to be only business owners, but they typically are.

[Joe]

Yeah.

[Andy]

So there's a drive watching this, you know, running a mil, 2 mil, 5 mil, something like that, you know, 20 million. You talked about like. But the people that are really can create those big savings, right?

[Joe]

Yeah.

[Kuldeep]

It's where you have the most impact. Right. You have, you make a million dollars a year. What's the fastest way to a 30 pay raise? Cut down your tax bill.

[Andy]

That's right.

[Kuldeep]

That's the most important thing you could do. You don't do any extra work. You just got to figure out how to pay less in taxes by stacking efficient strategies.

[Andy]

Can I say one thing because I don't want to get in the middle of this, but you're, but most people that make good money, they're they think that what they're doing, the person they have is saving them a lot of money. And they don't know what they don't know. Right.

[Joe]

That's.

[Andy]

It couldn't set a better message because I. Because I see this all the time, you know, like, you're one person away. Like a lot of people. Like, oh, yeah, I already got a guy.

[Kuldeep]

Yeah.

[Andy]

What would you say to people that say, I already got a guy?

[Joe]

Yeah.

[Kuldeep]

How much did you pay in taxes last year?

[Joe]

Yeah. Also their guy. Like, I. That's, that's all well and good. I'm sure you have a few guys or a few gals. But the, the reality is that. And this comes with even more net worth or more income exposed annually. The ones that you think would have all the boxes checked, they don't. You know, they have.

[Andy]

You got to shop that stuff. Am I right? Like, over time, it's like car insurance. It's like, oh, yeah, I've been using State Farm for 10 years.

[Joe]

Yep.

[Andy]

And then you have no idea what else is going on in the market.

[Kuldeep]

You might have started with a great attorney or great, you know, cpa, but you've outgrown them, and that's normal. But if you're still paying 40, 35, 50 in taxes, what are they doing for you?

[Andy]

Nothing.

[Kuldeep]

There you go. And that's the only thing I have to say when somebody says, I'm all set. Well, I pay less in taxes and I probably make more than you. Why don't we unpack what you're doing now? Let me show you a couple of strategies you can do that'll, I don't know, revolutionize your life.

[Andy]

That's huge.

[Kuldeep]

An extra 30 in your pocket make a difference.

[Joe]

I got a guy, I got a gal. We deal with that daily. Oh, right.

[Andy]

Because that's what I feel like a lot of people like, oh, because I'm good. Right. Like, I have that guy, and they have no idea what they're missing. We had the same deal, and we, we saved a lot of money and, and there's probably even someone better. But even just journeying into exploring the idea, we realized that we weren't. We weren't being very well taken care of.

[Joe]

Let's like, let's. Let's unpack that a little. Like, if that were you and we didn't know you from Adam. Right. And that were you, and you're like, listen, guys, I got a guy. I got the best accountant. I got the best attorney. My direct response, likely his direct response, depending on if we're entering from his conversation like his world or my world. His is more net worth driven, mine's more income driven. But depending on which angle we're coming in at, the response is probably going to be good. We hope you keep those. We're not here to step on their toes. You can keep that guy, you can keep that gal, whoever it is. In fact, we want to talk to them first because what we're here to talk about is above their pay grade. It's above what their skill set is because these are like both micro niche environments that really there's just a vacuum of lack of education in.

[Andy]

Yeah. And the only person who saves is them.

[Joe]

Yeah. We're tools in your advisor's belts. That's great. Let's make a big round table.

[Andy]

Nobody's getting replaced at any point. You're just working with.

[Joe]

Yeah.

[Kuldeep]

We show them new tricks that they didn't know about. It's another tool in their belt that makes them look good. It makes us look good.

[Andy]

There you go right into that.

[Joe]

So that it's funny. You crack that door. So another thing, you know, at initial engagement is we'll tell. Okay, here are the problems that we can solve.

[Kuldeep]

Right.

[Joe]

We solve big tax problems. There are certain drivers. Okay. First off, problems like we both believe are in the same mantra here and you know, a few other advisors that we're close with kind of carry the exact same initial delivery, which is source or find a big problem. Big problems, tax driven problems, are not solved by investments or insurance or real estate or alternatives or any asset. They're solved by strategies and structures. And they're likely and usually advanced in nature. Those strategies and structures are what's going to house those assets. But it starts with identify the big problem. So all of those advisors, whether advanced or like just traditional accounting or legal, we're tools in their belts. We don't want to step on their world. We want to compliment it.

[Andy]

It's huge.

[Joe]

Yeah. We want them just to know a.

[Andy]

Lot of people are. They're emotionally attached to someone because they built that relationship. Right. But that, that relationship's important. Number one, that relationship is there to save you the money that you want to save. And you also like dealing with them. So you guys come in and you super power that relationship.

[Kuldeep]

That's exactly the point.

[Joe]

So let's, let's. We're all believers in this. I'm. Forgive me for assuming, but I'm going to take a shot in the dark here. Say you're a believer in this. Okay. Like let's deliver an offer that they'd have to be stupid to refuse. Okay, so here's the offer. We just told you about your problems. We're telling you we're equipped to solve them with your advisors. And here's the best part. There's no legal commitment and there's no monetary commitment to have us show you here's your world and what you're doing now, and here's what it could be.

[Andy]

Yeah.

[Joe]

And keeping on keeping 30, 40, 50% of your money.

[Andy]

Yeah. So at this point, how do people reach out to you? Because if I was watching this, this is where I'm reaching out right now. Because I'm like. I'm like, dude, I got everything to gain, nothing to lose. How do I get a hold of you? So they call you, call us, email.

[Joe]

Us, follow us on social, cell phones, direct emails, and number up here right.

[Andy]

Now when we're done.

[Joe]

Sure.

[Andy]

Okay, so we'll get those when we're done. We'll put those on so they can call you.

[Kuldeep]

No problem.

[Andy]

And then they can email you. Put those up there. And then also, how do they follow you on social media? How?

[Kuldeep]

They hit you up at Too cool Deep.

[Andy]

Put it right up there. Yeah, we'll put that on.

[Joe]

And what about you at Mr. Gaglio?

[Andy]

Cool. I love it. We'll make sure we throw those up there. Sean, let's put the numbers and everything, and we'll put them up a couple times. So that's great. So number one, that's super important. All right, so. So let's keep rolling.

[Joe]

Yeah. So that's a perfect segue into. I think, like, we should talk about where Don't Tax Me Bro began.

[Kuldeep]

Yeah.

[Joe]

And honestly, Andy, we have you and Jackie to thank for this. Like, and, like, no shit, we have you and Jackie to thank for this. So we solve big tax problems. We were, you know, speaking to the Elliot group, speaking to Mike, speaking to you and Jackie before the event back in July. Pbd. Awesome event. Life changing event.

[Kuldeep]

Oh, yeah.

[Joe]

And I'd say about two months out, you know, just planning the booth and like, what we want to kind of roll under. We operate two advanced planning firms. Yes, they're kind of like sister firms, but. But at the end of the day, they're different strategies. We collaborate a lot, but they are two different. You know, I'm the face at the point of one, and he's the face at the point of the other. So we. We needed to create like an umbrella that covered overall taxation and big problems.

[Andy]

Yeah.

[Joe]

And we came up with the phrase don't tax me bro. Like it's plain, you know, 50,000 foot view. Just plain and simple. Like all levels of taxation. Don't tax me, bro. Now there are ones we're equipped to solve which are the two biggest when that would be income exposure and overall net worth. And estate exposure. We could solve cap gains, but doesn't always move the needle. And then like your other elementary levels, I think sales or payroll, like so you just got. Yeah, it's.

[Kuldeep]

They're small numbers.

[Joe]

You have to pay it. It actually has attributes to some of the strategies that we deploy.

[Kuldeep]

Yeah.

[Joe]

So we rolled in under don't tax me bro to that event. And then that's what really struck, you know, and, and kicked this, this relationship off on the right footing that has turned Andy into a separate kind of media marketing production firm that'll be an I own now that we've been stockpiling content for a while and, and kind of just getting ready. So we have you to thank for that. That we, we came up with it for your event.

[Andy]

Hashtags me bro.

[Joe]

Yeah, we, we came up for it with. With it for the event. Tied to you being so kind to ask us out here.

[Andy]

Yeah.

[Joe]

Obviously joined the brotherhood. Like full on board, full send.

[Andy]

Well, dude, people don't know this stuff, man. It's. It's crazy that people know how to make money, but they don't know a lot of things about money.

[Kuldeep]

Yes.

[Andy]

Let me do money education. There's only one way to get rich and wealthy is with money education. To be honest with you, a lot of people, like, I mean, I'm being completely like vulnerable here. Like we know how to make money. We don't understand a lot about money. It's very rare that people really understand money.

[Kuldeep]

See, that's one of the things we don't teach people how to make money. We can't. It's not my skill set. But if we can help you hold on to more of that money, whether it's today or generational wealth. Right. Think about the legacy you're building. Think about your kids. They're here. They're always here. How much of what you've built do you want them to get? There you go. Uncle Sam wants half.

[Andy]

Yeah.

[Kuldeep]

So how do you fix that? How do you get around that? What are the ways, what are the strategies you can deploy? Most people just do nothing. Time comes, their business has to get liquidated. Their real estate portfolio has to get liquidated. Everything. Half your money's gone. If you didn't do Any planning, you're worth a hundred million when you die. You've got 40, 50 million in taxes that are due. And I'm just making round numbers here. Don't take any of this to the bank. But if you owe 40 million in taxes, you got 100 million in real estate. How do you come up with that? You're dead, you're gone. There's nobody here that knows how to run the business anymore. At your level.

[Joe]

Yeah. If you screw.

[Kuldeep]

If they got to sell 67 years.

[Joe]

Like, yeah, you're offloading that at a fire sale.

[Kuldeep]

There you go. That's how somebody else gets rich. That's how their family gets to create more wealth.

[Joe]

Correct.

[Kuldeep]

So that's a bad idea. Don't do that. That's the number one thing I try to tell people. And we don't have any clients that say, I'm okay. Let my kids deal with it. That's not a good client for us. There's a core value missing here that's just never going to apply. Now, there's another easy way. You could take all your money and just give it a charity. I love charitable endeavors. I like giving to things that matter to me. I like for my clients to do that. I've never met anybody that wanted to give all of their money away. I care about my family. I'd like to leave legacy and more than just my family. Build foundations. Yes. But it's bigger than that. That's not going to be able to solve all my issues because I'm not doing that. Takes you down the next two pieces. There's the entire legal world of building trust and taking all your money and putting it in there and losing access control. There's clever ways of doing it. You could retain some, but if you're worth 20, 30 million today, how much of your money do you want to give away? Legally, you can only give away about 28 million. That'd be next year's number. That's all you can do if you're worth 30 or 40 or 50. What about the rest? You could put some good tricks in there. You could apply some strategies. You can't solve the whole problem, especially if you're your age or our age, you're gonna keep making money. The problem is gonna continue again and again. So it's a combination of stuff like that. It's a base core. You know, use the charitable, use the trust planning. Build those great strategies, and then what do you layer on top? And typically it's insurance. So our world is helping you balance that Right. Think about how, think about how insurance is sold. It's, it's, it's a scummy, crappy thing. Nobody likes it. It's, it's a tool though, if you understand what this thing is good at. Insurance is a great tool. It's a triple tax free tool. No income tax, no cap gains, no estate taxes.

[Joe]

It's pretty much a leverage bump.

[Andy]

Right.

[Joe]

It just always misused and treated as a bill or like a necessary evil.

[Kuldeep]

And if we, if we do the right planning, the trust planning, the charitable planning, we can reduce the amount you need. We can make this efficient to the part where it doesn't even cost you much. You're able to use assets to purchase instead of cash flow. And a business owner wants to keep his cash flow. That's what matters most. So for reducing your income tax bill and helping you hold on to more cash flow while fixing your estate issues, you've got something that's when it starts to come together.

[Joe]

Yep. Yeah.

[Andy]

So money, education, I've heard it a lot. But most wealthy people will tell you the reason why they're really wealthy is because of money. They understand money.

[Kuldeep]

Yes.

[Andy]

And the people that have made a lot of money, and by the way, you don't even have to make a lot of money to be able to keep a lot of money.

[Kuldeep]

Yes.

[Andy]

You just got to understand.

[Kuldeep]

Yes. Most people struggle with building the vision of what am I going to be doing in 3, 4, 5, 10, 15, 20 years? I don't know. I'll have so many opportunities. It's going to change. But what's my money going to be doing? It's only going to grow. Right. I'm going to grow this thing. And if I don't start today with the planning, I'll never get going. So our entire, like our, at our ethos is the idea that you have to educate clients on what they need to understand about money. If we can provide them the education, they can make smart, intelligent decisions. Now, most attorneys aren't going to take the time to do that or they're going to bill you by the hour. Clients are not going to pay that. They don't want to sit there and spend 40 hours with an attorney getting lectured or a CPA. In fact, most of the time our clients are come back and say, I don't even know what that guy said. I think the thing we pride ourselves in is we can translate attorneys and CPAs to clients and turn it into simple English. That's what's missing in this country. And actuaries.

[Andy]

Yes.

[Kuldeep]

Yes. Dumb it down, make it simple, that anybody understands what you're talking about.

[Joe]

I thought we were saving Ethos for tomorrow.

[Kuldeep]

Okay. We could do it again.

[Joe]

Little spotlight there for Keaton.

[Kuldeep]

Yeah. That was a big takeaway there, too, that day. That was a magical day. That was. I have notes that I haven't taken to that level in years at things. Man, that was awesome. That was phenomenal.

[Joe]

We actually play in the auto space.

[Kuldeep]

Quite often quite well. It's a fun space.

[Joe]

Yeah. In both our. Both of our worlds is very applicable. And they, again, don't.

[Kuldeep]

That's how we heard of you. You've got car dealer clients that are amazing clients.

[Andy]

Yes.

[Joe]

They don't pay a ton in taxes.

[Andy]

They pay a ton.

[Joe]

So here's another thing just to kind of go. We'll step back in time a little bit, talking about, like, when you got a guy or got a gal, like, if there's a very respectful relationship, this could be a money manager. This could be attorney, or definitely the accountant because it's very closely held. Yeah. You know, we'll come in and say, like, has anyone ever offered collaborating with them? Like, let us bring you a 2.0. Not fire them, work with them, Bring the skill sets that they don't have. And now you have a team.

[Kuldeep]

Yes.

[Joe]

And the team is likely going to bring in us in for specific bigger problems. So it doesn't necessarily mean, like, you got to kill off, you know, your cousin or best friend that happened to be there for the growth of the scale of your business for 20, 30 years. Maybe it just needs a means, another seat at the table and a broader table of advisors.

[Kuldeep]

Just got to get a bigger table.

[Joe]

Yeah.

[Andy]

Yeah. I want to say this. This is a good way I always look at, like, when I have a problem. What. What would I do if I knew no one's feelings would get hurt? Right. Like, like, you know, direct.

[Joe]

Yes.

[Andy]

Well, no, like, but what would you do? Because right now, a lot of people are watching this and they have a relationship, but thinking about approaching that relationship by, like, saying, hey, I want to make sure that I'm. There couldn't be something, you know, that I'm missing here. Yeah. If you knew no one's feelings would get hurt, everybody would do it right now. Because I would want you guys to look at my stuff to make sure that I'm saving. But then we think about having that conversation with that person. Like, ah, see, I don't want to rub them wrong and it ends up costing you millions.

[Kuldeep]

See, I think when it's when you're making $5 million and we're talking about another million of income tax savings, you've been with this guy. You're just getting to that level of wealth. It is very personal. But if you're worth 50, 100, 200, $500 million and your guy didn't take care of the problem, it's a little bit of a different conversation. Would you like me to interview, would you like me to interview your guy to see if he's qualified to do this?

[Joe]

Yes.

[Kuldeep]

He might be a great attorney, great trusted attorney for foundational stuff. He did what was right for you. But you might have outgrown that conversation. He might need somebody to collaborate with him. We can show him what needs to happen and bring in somebody to partner with him. We don't need to get rid of your relationships. I'm sure they're there for a reason. But if you don't, if you're not married to the guy or you're open to somebody taking a look, let's, let's make sure they're capable of handling this.

[Joe]

Yeah. So let's, let's just. I don't want to say dive deeper because not, not deeper, but I do want to like unpack just the two words world. So Kul Deep and his firm, M Plus, are beyond well equipped to solve large net worth and estate issues. And that's, let's be very clear, that's both these areas where Uncle Sam makes money. That's the ultimate death punch. Right? That's taken, that's taken half, maybe more than half depending on where you are in this country, of your overall net worth. And maybe in a fire sale, like he was saying, upon second death, that one sucks. But income sucks now.

[Kuldeep]

Yeah.

[Joe]

Right. So his world is often owner, operator, self employed and for anyone listening does not have to be. So maybe you're that big W2 exec or you're that C suite exec that has an enormous bonus and a million dollar base. He can help with that.

[Kuldeep]

Yep.

[Joe]

Right. I can't. I might be able to work through you to get to the ownership to like design from top down. But I need someone that's making a decision as self employed. So that could be 1099. You know, that's why, like, that's why it's so collaborative with the Elliot Group is because yes, it's, it's giving back and it's teaching these concepts, but there's many sitting in the room. 1099, you know, salesmen and women that are out there that are experiencing uncomfortable taxes. So it's like very diverse. But in my world I need, I need self employment or I need someone to be an owner, operator. I don't judge a business by its overall nature that doesn't matter or its corporate structure that doesn't matter. I need net profit. Obviously if you're not, you're not paying taxes, you're not making money like you got to make money in both of our spaces. And then I won't get into it now but there are demographics that apply. There is a thing called like too big. So think like 1 to 500. But if you're a group of execs or you know, spouses or partners or surgeons, traders, executive, it doesn't matter what industry in that, that realm and you're experiencing very uncomfortable taxation. My world can drive six, seven and eight figure deductions, black and white, black and white centered around those groups and nobody's telling the story.

[Kuldeep]

It's hundreds of thousands, millions of dollars of income tax savings.

[Joe]

Here's the big, the big aha moment. So we travel as you know the country speaking to a lot of advisors, a lot of firms, a lot of other masterminds and symposiums, financial symposiums and most of it is ironically, this is kind of hats off to you and Jackie. We dubbed it the don't tax me bro roadshow. This year we take it across the nation based off of coming out here over the summer.

[Kuldeep]

So it started.

[Andy]

It's gonna be a huge brand and.

[Joe]

It is on one concept. If you have control of income, you are self employed, you're that owner operator. What is appealing to you is bleed rate now.

[Kuldeep]

Yep.

[Joe]

It's lessening your fed state and city, wherever applicable nationwide. Now so often he'll, he knows like oh, network's an issue no one wants to talk about death no one wants to talk about 30, 40 years from now. They do want to talk about hey could you use a seven or eight figure deduction now? So he'll fly through under my firm and then we hook his if they are front facing on like I know I have a net worth issue, you know, I'm worth you know, a few hundred million or I'm worth, you know, over half a billionaire, over a billion. We'll fly through him and then as we're going through financials and returns we're going to find where all the exposed income is. So be like, hey, we bulletproofed you right? We kept it all in the family. We did some great advanced planning on the net worth side. But I Kind of noticed, like you're paying 10, 20 million in income taxes. You want to just like clip some of that off. So we, that's why we piggyback so well together. So to anyone in the audience. Yeah, if it's a net worth issue, it might mean flying. Yeah. Under don't tax negro, but under cold, deep stock. If it's a income issue. Yeah, it might. If sometimes it's both right out the gate. You know, we call it like one, two punch. There's a lot of that lately. Yeah, there is. And I hate to tell you, like all these forms of taxation, they're not going lower anytime soon.

[Kuldeep]

Now the politics at all, people are like, oh, one of the most common things I'll hear is why don't we wait until after election? Or we'll see. Maybe Trump's when he'll do this or that. It doesn't matter. Are you going to die in the next four years? No. Then on my side of the world, you can't predict who's going to be in power when you die. Especially at the ages that we're talking about. If you're 85 years old, maybe there's a chance. Right?

[Andy]

Yeah.

[Kuldeep]

But maybe you have to take immediate action.

[Andy]

Your 40s, 50s or 60s, or there's.

[Kuldeep]

Enough Runway the law is going to change 42 times. Just be conservative and get it right right now so we don't have to keep fixing it over and over at the same time. If we can stop that bleed rate today. Stack a few strategies, talk about some.

[Joe]

Of the strategies on the income front.

[Kuldeep]

Yeah, yeah.

[Joe]

I mean, what there, there are a lot that are known. So like the big ones, like you got cost sag in the real estate space. You got think equipment depreciation. You see that in medical.

[Kuldeep]

A lot of people, that's where you get audited and burned if you do it wrong.

[Andy]

Yeah. I was gonna say a lot of people either get in trouble or don't ever do it. And it's a huge, huge.

[Kuldeep]

Exactly. Because they don't know how to do it. Yeah, we can stack that strategy too.

[Joe]

You got depreciation. That's the, the, I'm talking like black and white areas that are typically pursued for income reduction. So cost sac, various forms of depreciation typically equivalent all over.

[Kuldeep]

Yeah.

[Joe]

For businesses, oil and gas, that's, you know, been black and white for many decades now. Here's one that is never turned over. Okay. Because it's boring. Retirement planning. Okay, let me like here, I'll role play with you for a Little you may have or you probably know what a 401k is, you may have one. I don't know.

[Andy]

I don't have one.

[Joe]

Right. Don't have one. Why? It doesn't interest you?

[Andy]

Yeah, my wife says we don't need one.

[Joe]

Yeah, because it doesn't move the needle.

[Andy]

Yeah.

[Joe]

If you did have one, I'd be willing to bet that it's probably for like retention. Golden hair.

[Andy]

When I was young.

[Joe]

Right, but you would put in place maybe for employees.

[Kuldeep]

Yes, I'd like to benefit from that. Makes them feel good.

[Andy]

I was younger and I just started working. That's what they offered it to you for one day.

[Kuldeep]

It was like something to keep you enticed. We'll give you a few dollars in it if you throw some money in there. Yeah, yeah. That match. That's a free money.

[Joe]

They're all like those are cosmetics.

[Kuldeep]

But it's not interesting. Right, that's the point. It's not interesting to somebody at your level.

[Joe]

Correct. Now what if I were to tell you like that shouldn't interest you because like let's be real. Mentally that's in your mind's eye in a bucket with other costs for your business. And this goes to any self employed individual or owner operator that's listening. Right. Mentally you're putting that as employee benefit in a box in your mind's eye with workman's comp, medical benefits, other necessary evils. I need it for my staff hiring, retention, competition against peers in my industry and it should be all that. But doesn't interest anyone that has real taxation or is making money at the top of that organization. Well, what about if it wasn't a boring 401k deferral. What about if you could put 6, 7, multi 7, 8 figures in a 401k deductible up front for just you, your family members.

[Kuldeep]

200, 500, a million, $2 million into your own private pension plan plan so huge.

[Joe]

Super. Now it would move the needle because you understand that like hey, putting 20, 30 k. Ish. Ish. I'm not going to get into numbers right now, but not interesting. Hold on. I could put 2, 3, 5, 7 million, maybe more depending on how I build this. That's called advanced qualified plan design. A 401k is just a piece of that world and it's just a vacuum of lack of education because it's all just generic garbage that's get out there. It's a lot of like prototypical stuff, stuff you see from like payroll carriers, etcetera.

[Kuldeep]

It's not customized for the actual end product client that has the problem. Most places are not equipped to do that. So they offer you an off the shelf thing. It's not interesting. It doesn't solve your problem, and that's why you don't have one. And nobody knows how to talk about it because it's complicated and it takes a lot of work and it takes time.

[Andy]

It's crazy.

[Kuldeep]

That's what he's an expert of. That first lunch we talked about in the beginning.

[Andy]

Yeah.

[Kuldeep]

He explained this to me and I was like, I hate my plan. It's garbage. It's just. I just have to put money in for my employees. It's a waste of my time. He said, what if it wasn't? What if we could put in a half a million? A million, two million? I think we were like 17 days from the tax deadline. And I was like, I want to do that next day. That's why I called him. I was like, okay, how are we doing that? And he guessed the amount I could do based on my demographic at a lunch, four or five hours in, a couple drinks in. Guessed it within $16,000. In his head. I'm not good at numbers. In my head, I need spreadsheets. I need the whole thing. It's like an IRS tax avant over here. I'm pretty sure his dad recited tax code to him as a kid. You know, some people read nighttime stories. His dad read the tax code, but he nailed it. And then he showed it to me a day later. I said, cool, I want to do that. And we're talking 15 days now before the tax deadline. And he got it done. Got it done in 15 days. Things that my CPA and my CPA is amazing. She's a tax attorney, she's a trust and state attorney, has an LLM. She's also got a cpa. She's the most educated person in America. He hired her after the fact because I had to let mine go because he didn't understand what he was talking about.

[Joe]

It's actually exactly what you brought up.

[Kuldeep]

His partner had to tell him where on the tax returns to put this stuff. He was like, you, you probably need to change because this man doesn't get it.

[Andy]

Yeah.

[Joe]

And you can't.

[Kuldeep]

We tried to educate him, Right?

[Joe]

Yeah. It's just like, let's, let's break the, you know, traditional norms. Right. Like, so when I deliver that to advisors, what I call it is like, okay, this is what's known. Let's just add a 0 or 2 or 3, when does it get creative? Right. Andy, what's your number?

[Andy]

Right.

[Joe]

Does a million not moving? Yeah.

[Andy]

Cool.

[Joe]

Would 5 million.

[Andy]

Yeah.

[Joe]

With eight figures, right. 10, 15 million, would that move the needle? Would that type of tax savings at a 40, 50, 60, depending on where you are, bracket move the needle? It's that owner operator. They know what keeping another 3, 5, 7, 8 million in their pocket means. 401k doesn't do that. So. Yeah. And to your point, like that's stacked with those other worlds. So maybe you clip a few million off of that, then you do cross sec, then you do some oil and gas, then you do some equipment depreciation, and before you know it, you might be netting, you know, 10, 15 million for your company annually, maybe more. But you can erode 6, 7, 8 figure exposure. Black and white ways. They're just not talked about.

[Kuldeep]

I think of this as like an entryway to education around money.

[Andy]

Correct.

[Kuldeep]

You start to save more money, you start to get more interested. Right. We talked about point stacking, we've talked about estate taxes, cap gains. You start to realize there are techniques out there. And this, to me, it's like the, the door opener, the gate to the gateway drug to wanting to know more. Once you realize you can do this, your life's gonna change.

[Joe]

You know why? It's, it's mental. It's all psychological. Like the add a zero thing. We're talking about leverage with net worth. What is it like, business owners get leverage, they get deductions. They understand what that means to them.

[Kuldeep]

This isn't foreign.

[Joe]

What is. What are you appealing to? You're not talking about some where the money's go. You're not talking about some type of influence investment. You're talking about, hey, I identified your big problem.

[Kuldeep]

Yep. The pain you have today news is.

[Joe]

It can be solved. It just can't be solved with your generic approaches that you're taking.

[Andy]

It's huge.

[Kuldeep]

So you need a brain surgeon, you need a cardiac.

[Joe]

And I don't like I can similar with brain to heart. Right. I, I would, I would say that brain probably knows when to identify, hey, this is no longer brain. This is maybe a heart issue.

[Kuldeep]

Yep.

[Joe]

But never going to step into, hey, let me just try heart surgery.

[Kuldeep]

Let me try that today.

[Joe]

I know when it's like, this is an M plus issue or this is a Shepherd issue. Those are our two respective firms. So like I know when it is and we're just going to pass the baton. That's the whole concept behind our road show. Is the baton pass between the worlds. So.

[Andy]

And you guys are doing that whole deal together?

[Joe]

Yeah, yeah.

[Kuldeep]

All over the country.

[Joe]

Year three. Next year's year three. Yeah.

[Kuldeep]

Booked out about 20 something already for next year and still got a few months till next year. It's exciting. It's fun. You get to show people things they didn't know existed.

[Joe]

I. I just. I want to add one other thing going back to this, right? We don't all stand for the same thing, right?

[Kuldeep]

But we do.

[Joe]

We do. Like you said, morals, overall mantra, if you will. Our cultures are similar. We stand for different things. But it's really cool seeing it on the road show. And I know a lot of our team members feel the same way that. That, like, we're delivering impact in two different ways, and that's because we have two different clients. So we talk to a lot of advisors. We view that very much as a relationship. Probably no different than the friendships you've built in the Elliott group. Right. And then there's the people they're impacting. So for us, it's like first relationship, first client is that, hey, we want. You have a great experience. We want you to step out of your comfort zone. We want you to stand for something with us. And by the way, know that we have your back, which these strategies, because you're not meant to learn this overnight. This stuff is not learned overnight or in a few years. And then they go do that, and you watch their lives change, and then what do they do? Ripple effect. They impact and change hundreds of lives of their clients. So it just. It's been pretty refreshing this year because I'd say every. Every roadshow event, if not every other. Most are physical because we want to draw a crowd and we get engaged. We took the hype up from you guys.

[Kuldeep]

So next year, we're taking the twins from you. We're gonna borrow them for a couple.

[Joe]

We would love you to do it. That'd be great.

[Kuldeep]

I'll be training Mike on how to do it too.

[Andy]

So having someone all jacked up. Yeah. So we.

[Joe]

We get that energy going, and it's been pretty refreshing because a lot have come up and they're like, listen, like, you branching out and talking about something that had nothing to do with any type of financial or tax talk, like, empowered me, and I don't have to master this. I now know when to bring you guys in because we spell it out. Really?

[Kuldeep]

What's your Ed. My light quote.

[Joe]

Which one?

[Kuldeep]

The one you always put on the show.

[Joe]

You. You are you.

[Kuldeep]

You Are most.

[Joe]

You are most qualified to help the person that you once used to be. And we both have similar backgrounds and stories not to the exact same, but you know, we didn't, we didn't just wake up and be, you know, just, we're here one day. So we try to deliver that in a very much an emboldening, empowering way to other advisors and people in this industry. Because we were in their shoes.

[Andy]

Yeah.

[Joe]

You know, and, and everyone starts. So you don't just wake up and you're like, I'm netting eight figures. No, five and six and seven and multi seven. The hustle making 10 million.

[Andy]

Well, that's what I love about you guys is you're the, your applicant teachers, like not theory. Like in theory, you know, people that have businesses like this, you know, you could save them x amount of money. But you guys are theory. You guys have businesses, you guys have everything in. And you do this like you're.

[Kuldeep]

I'll show you mine is usually the first thing we talk about. Let me show you how I. Let me show you all of mine.

[Joe]

Yep.

[Kuldeep]

That's how this got started. I wanted to save on. He wanted to learn what I'd been doing the year before. I figured out, I googled him. I figured out what he does. And I said, this guy could save me money. That sounds pretty good too. I'll take that lunch. Let's do this. And he taught it to me. He showed me what it was. He showed me his. And I was like, I've never seen this. And I've been in the business a while. Like, I know people that do great stuff. I've never seen this. Yeah, you got to realize you can't be an expert. Everything. You got to go find those great people and lean on them and let them teach you stuff. And then partnership and collaboration.

[Joe]

Right.

[Kuldeep]

I mean, yeah, we're referred in more. Does anybody refer you in more than a CPA? Like, CPAs are the referral sources for them clients and CPAs, it's, oh, look at what this guy did for me. He could probably do that for you.

[Andy]

Well, so I think, I think everything that you guys do, saving money on taxes, teaching people, educating them, obviously you guys are, you know, influence, you know, for, for educating people. I mean, even like me, my wife, I mean, when we built our business, nobody teaches you any of this.

[Kuldeep]

No, no.

[Andy]

You know, and so along the way, you hire someone, you hire someone, you hire someone. And really the big money comes in. Whenever you have somebody like this in your corner who can help you Start really keeping your money. So anybody watching this, you know, if you're a business owner, a high level C Suite W2 guy, you know, kicking ass, but most of the time, companies, business owners, stuff like that, right. You're doing good, you got good income coming in. You want to keep more money, they can call you guys on the screen, email you.

[Joe]

Yep.

[Andy]

I haven't used an email in forever, but I know you guys are emailers because like lawyers are email. Like we love emails.

[Joe]

We're in stages. We have, you know, certain hurdles.

[Andy]

Yeah, yeah, but I was saying that.

[Kuldeep]

You guys email us, it's perfect.

[Andy]

Emails, email, phone call.

[Kuldeep]

Tell us about yourself. Let's tell us the problem, let's go figure out how to solve it. Right. It's a 30 minute, 45 minute hour long conversation and we can figure out if we can help you and we'll tell you.

[Joe]

Yeah.

[Kuldeep]

I would say here's how we could do it.

[Joe]

You know, good, we say this all the time, like there's good news, bad news. Right. Here's the bad news. We're not solving this right now. You don't learn this overnight. Okay. But good news is we can dive deep enough that you have like a generic understanding of how these problems can be solved in a 30 to 40 minute caller zone.

[Andy]

Yeah.

[Joe]

And there's no education, there's no cost. It's just building a friendship. 95 time friendship. First, there's the.

[Kuldeep]

No. Real quick, there's a no. That first 30 minutes we're trying to make sure we actually like you because you could have.

[Andy]

I was about to say you guys are big on liking people, which I think I didn't share that early on. Guys, you know, we do business together, but we're, we're all like brothers and I just want you to know like, you know, like if you've watched any of my content, you see that I like people with no ego. I like people with no entitlement, no pride, who are, you know, I like being tough to persuade but open minded enough to understand that someone knows something that I don't know. You know, like, like, you know, like good leaders are pretty, they're pretty strong in their, in their ways, but they're open minded.

[Joe]

Yes.

[Andy]

You know what I'm saying?

[Joe]

Absolutely.

[Andy]

And when it comes to how hard we all work and you know, I know every business owner here that's watching this, how hard we all work and then at the end of it, at the end of each year with all that hard work, when you start seeing all those tax things Come down. I mean, name one person that doesn't go, are you sure there's not a better way?

[Joe]

Yeah, are you sure? Same time of year too, right?

[Andy]

But like, but like everybody says that, like, are you sure there isn't something better?

[Joe]

My father used to say, like you were work the first half of the year for Uncle Sam and the back half for yourself. Here's the thing, there are better ways. There are multitude of ways, not just our worlds.

[Andy]

Yes.

[Joe]

And if we don't do them, we're equipped to open the right doorway to parties that have been vetted. So I do want to go back to the no asshole policy. I think it's worthy of mentioning because there's a reason why Stanford something's on our shirts, right? So like we don't stand for the same things, you know, full transparency. We stand for a lot of the same. Our teams don't. We try to empower advisors and end user clients, but we will not work with you. And I want to be very clear, Andy, that, that's very much a blessing considering our, our family histories and all that we've gone through. And like you said, as you guys built what is the Elliott group now, like, you fell on your face a lot. You heard, you learned the hard way. We don't want others to, to go through that. So because of us doing that and recognizing out the gate, like I can jive with this guy. Like, yeah, this, he's, he's part of the same culture. Like he's willing to stand for something we, we don't. Right. We stand for a lot of the same. But I know 100% every day of the year he's got my back and I got his back. Yeah, I'll stand behind him any day of the week. And that's because of a bigger mantra. But if you don't fit that, we're very much blessed to say like, yo, there's the door. I'm sorry, you're just, just you're not for us. I don't care how much money you make, I don't care how big your tax problems are. We're just not a fit.

[Kuldeep]

No, doing a lot of the right stuff will make you money. Being around the right people that expand your mind, that can help you, that are think about our biggest clients. Think about people like you. Right? You, you're great at something. That's not what we do. And we're not great at what you do. And I can learn from you. And it's every one of my clients successful.

[Andy]

Everybody next Buddy away.

[Kuldeep]

You got to be around those. The giving givers. The one that wants. Wants to help you as well.

[Andy]

Yeah.

[Kuldeep]

They're good people. That's what matters. Right. Stand for something. Have some values, have some beliefs. I don't care what your beliefs are. As long as you're about making the world better.

[Andy]

Yeah.

[Kuldeep]

Making yourself better. That's what matters.

[Andy]

Yeah. And then making money and. And saving money with people that you like.

[Kuldeep]

Yes.

[Andy]

Priceless.

[Joe]

Yep. And I would say it comes as a byproduct of standing out, you know, outside of the norms.

[Andy]

Yeah. Being different.

[Joe]

We're big on this part of my story, which I'm sure you'll hear, you know, in a more personal manner later. But it's. It's this concept of, like, just go out and get uncomfortable.

[Kuldeep]

Yeah.

[Joe]

Every day, and you'll be surprised. Like, you push that limit every day, and you push it in every way possible. I don't mean just business.

[Andy]

Yeah.

[Joe]

Your life's gonna change.

[Andy]

Yeah.

[Joe]

And where you're gonna go and the trajectory is gonna. It's gonna change and maybe overnight. And like you said, you're one away.

[Andy]

Right.

[Joe]

Like, we're all fans of Ed here. Right? Power. One more. Just one more. Like, I'm sure you're well aware, obviously, his story, like, super powerful, so. But that's not for everybody, and.

[Andy]

But we're looking for the people that. That are our us. Does that make sense?

[Joe]

It does. Yeah. Yeah.

[Andy]

Guys, so if you're watching this right now, super important number one, you may think of somebody. You're like, dude, I need to send this to a buddy of mine. Like, I need to get this over to my buddy. And you got someone that you're thinking about right now. Maybe somebody that, you know has a big business or kicking ass or doing something, and you're like, my buddy needs to know you guys. Okay? So make sure. Make sure you pass this over, because I've had friends send me a video before that they didn't need, but I needed. I was going through something, and it really helped me. Okay. So do me a favor. Be our brother and share that over. And then if that's you and you're watching this at the end, I'll say this last thing at the end of each year, every person is always like, man, are you sure there's not something better? And at the end of the day, there usually is. It's just your one handshake away, your one connection away from figuring that out. Make sure you guys reach out to them by calling them. We'll put their number out here one more time. You can hit them up on Instagram or you can just shoot them an email. And they're awesome. You're gonna see them with me a lot tomorrow. We got a big event they're gonna be sharing with our entire audience on how they can all save money and different strategies. So now that my buddies, my friends, my brothers, they're awesome resource to me and they're a big part of my life and impact now they're apart for you. So reach out to them. I just want to say I appreciate you guys.

[Kuldeep]

I appreciate you.

[Andy]

You guys are badass.

[Kuldeep]

Thank you.

[Andy]

And you'll see. You'll. Yeah, you'll see a lot of them, but reach out to them. Have a blessed day, guys. Kick ass. We'll see you next time. Hey, guys. Looks like you made it to the end of the video. You're the true.0001 percenters. Look, I know 1 percenters that can make it halfway through the video, but making it all the way through, you guys are the best. Now here's what I'd like to do. Number one, I want to get closer to you. The fact that you made it all the way through the video, you're like, man, dude, I want to roll with this guy. Okay? So I need to connect with you down below. There's a description box on this YouTube video. There's a link. It says, coach with me, one on one. Okay? If you'll go and you'll enter your information, I'll reach out to you in the next 24 hours. You can tell me what you need, help with, what your goals are, and we will crush it together. I would love to help you guys go to the next level in life. You can tell I'm changing my life really fast, and I know that you guys want the same thing. I'd love to go with you on that journey. So right now, if you'd like to partner with me, team with me, if you want me to help coach you and push you, Everybody needs a coach, a higher level of accountability to go to the next level. Go to the description box below. Click on the link, fill out your information. I'll talk to you in the next 24 hours. Let's kill it.