How I Built a $40M Company Without a College Degree | Matt Sapaula DSH #906

Summary

Digital Social Hour – Episode #906: How I Built a $40M Company Without a College Degree | Matt Sapaula

Release Date: November 20, 2024

In this compelling episode of Digital Social Hour, host Sean Kelly sits down with Matt Sapaula, the visionary behind the Seven Figure Squad and a top performer at PHP Agency. Matt shares his inspiring journey of building a $40 million company without relying on a traditional college degree, offering invaluable insights into entrepreneurship, company culture, personal development, and financial strategies.

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1. Introduction to Matt Sapaula and PHP Agency

Matt begins by discussing his long-term association with PHP Agency, highlighting his nine-year journey within the company. He attributes his success to a strong foundation in mentorship and the fundamental principles instilled by PHP’s CEO, David (referred to as Patrick in parts of the transcript).

Matt Sapaula [00:40]: "It's all about capitalism, that company. It doesn't matter when you start with the company, if you're not performing, if you're not doing the fundamentals of business, growing, understanding your KPIs, and focusing on the fundamentals, you get past that very quickly."

2. Company Culture and Performance

A significant portion of Matt’s strategy revolves around fostering a high-performance culture devoid of entitlement. He emphasizes the importance of continuous improvement and accountability within the organization.

Matt Sapaula [01:05]: "FOMO is a big part of our culture there."

He contrasts this with traditional companies that offer long-term bonuses irrespective of performance, arguing that PHP’s model encourages sustained excellence and discourages complacency.

Matt Sapaula [01:23]: "None. You royalty if they're performing right."

3. Recruiting Strategies and Diverse Backgrounds

Matt shares his innovative approach to recruiting, which predominantly attracts individuals from non-financial backgrounds. This diversity fosters a dynamic and resilient team capable of driving the company forward.

Matt Sapaula [04:48]: "All these insurance companies want to poach other insurance companies. 99% of my guys, my personal team, not PHP my personal team don't come from the insurance industry."

He highlights the importance of values, principles, and a shared vision over traditional industry experience, allowing fresh perspectives to invigorate the business.

4. Personal Values and Family

Deeply rooted in his personal values, Matt discusses the role of faith, family, and moral principles in both his business and personal life. He underscores the significance of teaching his children the value of entrepreneurship and financial independence.

Matt Sapaula [12:05]: "You don’t have to be a doctor. You don’t have to be an engineer... there are other ways for you to make money."

His dedication to instilling these values ensures his children are equipped with the mindset to pursue success outside conventional educational paths.

5. Health and Discipline in Entrepreneurship

Matt opens up about his personal health journey, emphasizing the critical role physical well-being plays in sustaining entrepreneurial energy and resilience.

Matt Sapaula [17:48]: "I'm looking at it as an athlete looks at their sport... study the game, tape, know my competition."

He introduces the concept of the "entrepathlete," likening business to sports, where discipline, continuous improvement, and strategic thinking are paramount.

6. Business as a Sport: Pressure vs. Stress

Drawing parallels between entrepreneurship and athletics, Matt differentiates between pressure and stress, advocating for the former as a motivating force that drives growth.

Matt Sapaula [19:19]: "Business is the biggest sport in the world... I love the stress. So I don't even call it stress. I put it pressure."

This athletic mindset fosters resilience and a proactive approach to overcoming challenges, essential traits for sustained business success.

7. Financial Strategies for Success and Retirement

Delving into financial planning, Matt elucidates the "4% rule" for retirement, advising clients to save adequately to ensure financial security without depleting their principal.

Matt Sapaula [23:32]: "We have a rule called the 4% rule. So whatever you're going to save up. No, don't draw more than 4%."

He stresses the importance of building a solid financial foundation, discouraging risky investments like crypto for core portfolios, and promoting long-term wealth accumulation.

Matt Sapaula [25:02]: "If you're looking to always get rich quick, try and cut corners, not think about long-term wealth, eventually is going to catch up to you."

8. Critique of Government and Economic Policies

Matt offers a candid critique of government inefficiency and its impact on business and personal finances. He warns against over-reliance on government programs, advocating for financial independence through entrepreneurship.

Matt Sapaula [33:45]: "Federal government is the number one employer in America... Imagine being run like a DMV."

He highlights the pitfalls of bureaucratic systems, emphasizing the need for oversight and entrepreneurial spirit to drive economic growth and efficiency.

9. Future Plans and Growth for PHP Agency

Looking ahead, Matt reveals ambitious plans to scale PHP Agency to a billion-dollar company through strategic partnerships and unwavering commitment to values-driven growth.

Matt Sapaula [36:47]: "We're building a billion-dollar company. We just partnered with Integrity Marketing Group... we're close to a half a billion-dollar company right now."

This expansion is rooted in enhancing client experiences and maintaining exceptional customer service, ensuring sustained growth and industry leadership.

10. Leadership Insights and Customer Service

Matt underscores the essence of servant leadership and exemplary customer service in fostering loyalty and organic growth. He recounts experiences that illustrate the profound impact of humility and attentiveness in leadership roles.

Matt Sapaula [38:31]: "Brian Adams comes out with a towel... That's servant leadership, man."

By prioritizing client and employee satisfaction, Matt ensures that PHP Agency remains a respected and sought-after organization in the competitive financial services landscape.

11. Closing Remarks and Future Endeavors

As the episode concludes, Matt hints at upcoming high-profile interviews, including one with NFL legend Bill Belichick, reflecting his commitment to delivering insightful and impactful content. He also shares his online presence, inviting listeners to engage with his platforms for continued learning and growth.

Matt Sapaula [41:14]: "MoneySmartGuy on X, MoneySmartGuy on Instagram, moneysmartguy.com... my YouTube channel is called Seven Figure Squad."

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Key Takeaways

• Performance Over Tenure: Success at PHP Agency is driven by performance metrics rather than tenure, fostering a culture of excellence.

• Diverse Recruiting: Recruiting talented individuals from varied backgrounds enriches the company’s perspective and resilience.

• Values-Driven Leadership: Strong personal values and principles are integral to both personal success and organizational culture.

• Health and Discipline: Maintaining physical and mental well-being is essential for sustaining entrepreneurial energy and efficiency.

• Long-Term Financial Planning: Building a robust financial foundation through disciplined savings and strategic investments is crucial for long-term security.

• Servant Leadership: Humble and attentive leadership fosters loyalty, enhances customer experiences, and drives organic growth.

• Entrepreneurial Mindset: Viewing business as a sport with strategic thinking and resilience is key to navigating challenges and securing success.

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Notable Quotes

• Matt Sapaula [01:05]: "FOMO is a big part of our culture there."

• Matt Sapaula [02:58]: "Business culture attracts people and culture eats talent for lunch."

• Matt Sapaula [19:19]: "Business is the biggest sport in the world... I love the stress. So I don't even call it stress. I put it pressure."

• Matt Sapaula [25:02]: "If you're looking to always get rich quick, try and cut corners, not think about long-term wealth, eventually is going to catch up to you."

• Matt Sapaula [38:31]: "Brian Adams comes out with a towel... That's servant leadership, man."

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This episode serves as a testament to the power of perseverance, strategic thinking, and unwavering commitment to personal and organizational values. Matt Sapaula’s journey offers a blueprint for aspiring entrepreneurs seeking to build successful, resilient, and values-driven businesses without the traditional educational pathways.

For more insights and to follow Matt’s journey, visit MoneySmartGuy on X, MoneySmartGuy on Instagram, or moneysmartguy.com. Subscribe to the Seven Figure Squad YouTube channel to stay updated with strategies to think and strategize like a millionaire.

Transcript

[A]

Because I want to call out the hotel and get you in trouble, right? But they're like, yeah, party, right? And so now, hey, bro. Click, click, click, clicking with the cards. Strip club. Strip club. Strip club. Nah, bro. The top guys at our company married, love God, love their wives, honor their, their biblical responsibility in terms how to run and build a family. We love having kids. And the weird part about that, brother, is I talk about those morals, values, principles today were considered weird.

[B]

All right, guys, Matt Sapala of Seven Figure Squad here today. Just coming off a big conference, man. Congrats.

[A]

Thank you. Appreciate it. Great to be here.

[B]

I saw the lineup. It was stacked.

[A]

It was, it was amazing. It's. We had close to 9,000 people. Holy grand.

[B]

Yeah, well done, dude. Yeah. How long has that conference been running for?

[A]

We've been. I've been there since 2015. I've been part of PHP Agency for going on nine years now with, you know, mentorship. The CEO, founder of that company called PHP Agency, called Patrick, but David.

[B]

Right. And you built your way up to the top of that company, right?

[A]

Yeah. It's all about capitalism, that company. It doesn't matter when you start with the company, if you're not performing, if you're not doing the fundamentals of business, growing organ, you know, understand what your KPIs are and you know, focus on the fundamentals. You get past that very quickly. So FOMO is a big part of our culture there.

[B]

Php, I love it. That's a good thing though, right?

[A]

Very good thing. Because it gives hope for the new guy. Anybody can come into the company. There's no, what do you call that? Entitlement. There's no what teacher said tenure.

[B]

Right.

[A]

You know, it's all about, hey, can you perform today and keep it sustained?

[B]

Oh, so there's no 10 year bonuses. Zero for there for five years. 10 years.

[A]

None.

[B]

Wow.

[A]

Zero.

[B]

So you think that's a good thing?

[A]

Very good thing.

[B]

Cuz don't you want to reward loyalty?

[A]

Well, you lo royalty. If they're performing right. You know, it's, it's. It's earned both ways. If you're there thinking that, oh, I was, I was here. You know, for example, I see guys now in my ninth year in the company rise up in a company. They're passing me up in certain categories.

[B]

Really?

[A]

Well, good for them. Michael Jordan can be dunked on. Just because I was the company nine years and slam dunking everybody doesn't mean that I can in return get dunked on. If you're not performing. I mean, Capitalism, this thing is such a very funny thing. If you're not improving, you'll be passed up and you can't get mad that the person that wants to outwork out and strategize out, improve and outlast, you're done.

[B]

Right? Yeah. If they say if you're not improving, you're going backwards actually.

[A]

That's right, yeah. If you're not growing, you're dying.

[B]

Right, I agree. How many years did it take you to get to the top?

[A]

Well, it took us my progression with php. First six months made 50 grand there. Nine months, 100,000. 14 months. 250. 17 months. 500K.

[B]

Wow.

[A]

37 months a million.

[B]

Holy crap. Big chops.

[A]

Yeah. Yeah.

[B]

So in three years you made a million profit.

[A]

Yeah. So I've been able to build a 40 million dollar top line revenue company. Holy crap. Nine years. Yeah.

[B]

And that's within a company. So this company's massive.

[A]

Correct. I have a company within a company and for me that's the benefit of partnership.

[B]

Damn. And the model is just to get agents under you, right?

[A]

Yeah. I mean any business, right? You're recruiting your talent. I was just talking to Yamaha right here and she formally worked at Netflix. One of the things that Patty McCoy did with Reed has things is on a commute from the city into where Netflix is looking. It's about a 45 minute drive. The entire drive that they had coming in was all about who we recruiting from, who.

[B]

Wow.

[A]

Who recruit from Twitter, who are coming from Facebook. We got to get the best people over here and we got to create a compelling offer wanting to come here. And they have a beautiful thing online that everybody had access to called the Netflix Culture deck. And Netflix Culture deck was the biggest downloaded thing about how Netflix builds their culture. Because in business culture attracts people and culture eats talent for lunch.

[B]

Wow.

[A]

So you might not have, you might have the best talented people there at your company, but if you don't have culture, you don't have fun, you have excitement, you don't have the spirit of competition and not working out, lasting out, improving, etc. The next guys come in, it's going to eat your lunch, going to take your spot.

[B]

Right. Because if you don't have culture, you could even offer more money and they'll deny it.

[A]

That's right.

[B]

You know, exactly.

[A]

And sometimes people, just because you get paid somewhere else doesn't mean it's better for you over over there.

[B]

Right.

[A]

You know, sometimes, for example in free agency in football, sometimes guys get paid higher to go from team to team. But they realize the culture, that system, that locker room really wasn't as fit for them. And so as part of the recruiting process, if I'm an NFL player, if an NBA agent, if NBA player, I'm talking to my agent, I'm looking for the best culture for me, necessarily the best paycheck.

[B]

Right. What's some recruiting advice you give to your, your clients under you as I'm.

[A]

Attracting clients or recruiting agents.

[B]

Agents, yeah.

[A]

So I got some. Listen, where were you at? What's your outcome over there in the insurance industry? Sadly it's the oldest, richest, but sadly un disrupted. You know the technology lags in the life insurance industry. So if I'm looking something for somebody, what type of financial technology or what we call fintech combination of are using, you're using to build your business over there, what type of social media are you allowed to have at your financial services from from where you're at, what type of compensation? What are we incentivizing you? Are you being incentivized your current firm to, to build and scale an agency to build you passive income long term to build an asset or just a glorified salesperson? So these are some of the conversations we'll have with folks. And by the way, 95% of the people that we recruit don't come from a financial services background.

[B]

Really?

[A]

All these insurance companies want to poach other insurance companies. 99% of my guys, my personal team, not php my personal team don't come from the insurance industry. I got a guy that's a former engineer, I got a guy that's a former break dancer. I got a guy that's Apple executive, I got another guy that's selling newspapers and a, and a kiosk at them all I got, you know, bunch of guys not from the financial services industry. What we do have however at our company with major attraction for us to come for them come over to our, our firm is that we believe in values, principles, we believe in our faith, we believe in capitalism, we love America, we love families, we love our individuality. But being able to work together, that's attractive for a lot of people. I mean we just had a conference, 9,000 people talking about Jesus, we're talking about faith very openly and confidently. Not to push the Bible down, anybody's through but hey listen, this is what I stand for and these are morals, values and principles why I love America and why we love building our family under these principles. And we're here in Vegas. Not once brother, you just see us gambling. Not once you see us taking a bump? We're in the bathroom. The guys, we got a party over here. Party over here. What? Good for you.

[B]

Wait, people did that?

[A]

Oh, in the bathroom.

[B]

Wow.

[A]

Right there at the. I'm not going to say the hotel because I want to call out the hotel and get you in trouble. Right? But they're like, yeah, party, Right? And so now. Hey, bro. Click, click, click, clicking with the cards. Strip club. Strip club. Strip club. Nah, bro. The top guys at our company married, love God, love their wives, honor their. Their biblical responsibility in terms of how to run and build a family. We love having kids. And the weird part about that, brother, is I talk about those morals, values, and principles, today we're considered weird.

[B]

Yeah, you're right.

[A]

Not enough, right?

[B]

No, it's discipline. Times are changing, though. I'm glad people are opening up on.

[A]

Stage about their faith.

[B]

Yeah.

[A]

Yeah. 100.

[B]

Faith and personal stuff.

[A]

What's that saying?

[B]

Good times creates weak men.

[A]

Right? Right. And tough times create strong men. Strong men. Right. And it's the whole cycle.

[B]

Right.

[A]

Going back and forth. So, you know, that's a fact.

[B]

So because we're in tough times right now. It's a very tough. We're about to be in a recession, potentially. Has that impacted your business at all?

[A]

Negative times. Bad times. Bad economy actually help us. Really? Yeah. During pandemic. During. During COVID Our business shot.

[B]

Oh, wow.

[A]

What happened to stock market last week? Major drop market, you know, $4.1 trillion of wealth. None of our clients lost any money. Zero. Not because we're great financial advisors, because that's not what we are. We're insurance agents. And what insurance agents do, they provide an insurance policy called annuities or insurance policy called index, universal life or fixed life, where it's safe, guaranteed, backed by bonds. So none of our clients are ever in any risk. So there's contractual guarantees with inside policies. Sometimes there's contractual guarantees of what you're going to earn in the next five, 10 years. So it's very predictable. And that's a lot of people need. They need a financial foundation, what to expect. And once they have their financial foundation, what to expect, they could be a little bit more adventurous, a little bit more risky. And other things they do outside the core way of how they build a financial house.

[B]

Right. So when PBD sold this thing did not change up your world at all?

[A]

Actually, we grew.

[B]

Oh, yeah.

[A]

Actually, we already doubled our company size after that. Yeah. Yeah. And by the way, I'm not saying that because Patrick gave us the Tools, the system, the strategy, the culture, the values and principles. And we doubled our company since Patrick sold that company. Yeah, we're close to half a billion dollar company right now, dude.

[B]

That's impressive because sometimes when you sell and the leader leaves, I don't know if he's still involved.

[A]

But that's why there's pride in people that take over.

[B]

Right.

[A]

For example, Tim Cook, there's pride when he took over from, from Steve Job. There's pride when, when the CEO of I can't Uber. Right. Travis kind of like steps down and new CEO comes in, right. He takes, takes in a text novel Satya from Microsoft. There's pride when he took over Microsoft because right now. What's his name? Uh, the c. The former CEO of Microsoft. He owns the Clippers right now.

[B]

Oh, Bomber.

[A]

So, yeah, Balmer right now is richer than Bill Gates. And he was a 30th employee at Microsoft.

[B]

Right. And same thing at Facebook. The twin brothers are richer than Zuckerberg.

[A]

Check that out. Right? Yeah, it's. It's an amazing thing. So just because you weren't necessarily the founder, the CEO, even employee, or an intrapreneur, as we call sometimes, right? Because an intrapreneur is somebody that may not take the risk of the finances or the reputation going business, but let's take the same entrepreneurial habits of value, of, of. Of creating his space with inside the company being invaluable, unfiable. Right. They're gonna find a position for that person. That's an intrapreneur.

[B]

Right?

[A]

Right. An employee just kind of kicking around, all good. But if you are an employee with an entrepreneurial mindset, we call that an introverter.

[B]

And I actually recommend people to get that type of job or a consulting job or whatever before they become an entrepreneur. Because to jump straight into entrepreneurship is tough.

[A]

Big time.

[B]

I failed at it for years.

[A]

Big time.

[B]

I mean, it's, it's not easy if you don't have any knowledge.

[A]

It's hard because you not only have to have the basic fundamentals of why your product or service is awesome, but the other 90% of the stuff of operating a business, that's where people get hung up on.

[B]

Right?

[A]

Right. Chefs cook great plate of food. But bro, you got to have people at the front of the house, back of the house, you have inventory. You know, you got to have a refrigeration for your, your food. Don't over buy, don't under buy. Right? It got HR people quitting on you. They don't show up to work anymore. You got to be the cook, the chef, the host.

[B]

You gotta wear a lot of hats. Yeah. Customer service is the worst, man. I used to do that.

[A]

Customer service is the reason why people come back. So if your customer service experience is poor, then you're not going to have referability or repeat customers.

[B]

Agreed.

[A]

Yeah.

[B]

And a lot of people neglect it too.

[A]

They do.

[B]

Dude, I just ordered. I don't want to call anyone out, but I ordered a mattress. It's been eight weeks. Bam. I've been sleeping on like my old mattress. Eight weeks, dude. I emailed them four times, no response.

[A]

And isn't that crazy?

[B]

And this is a big brand that's promoted on podcasts.

[A]

Wow.

[B]

Yeah, it's pretty nuts. Like I would never reorder or recommend that brand. And I spent four grand on this.

[A]

That's a good, that's a good point. So you can attract loud people. For example, that I had a, you know those agencies like the advertise advertising agency, you know, for, for our digital ads. Great marketing, the people are brilliant, great ideas, great reason why we should visit with like you're, it's like you're impressed for them to be now working on your stuff. But the customer service experience, once we got in there, horrible. They promised us one thing. Never delivered. They promised us one thing. They never followed through their promises. And then he says, I don't, you know, here, here they say, you know, we don't care, we're gonna find something. Other clients anyway.

[B]

Wow.

[A]

The reason why, by the way, our company, we, Patrick sold it. A company worth between 250 and $300 million. Now we're double the company. The image advertising we've done online, the how much advertising we've done on social media and regular billboards and newspapers.

[B]

Zero.

[A]

Exactly zero.

[B]

Wow.

[A]

We've built a 300 million dollar company which is now 500 million dollar company purely on word of mouth, crazy client experience. Customer experience. I paid my guys in the last nine years in terms of commissions, commission, life insurance agents. $100 million in the last nine years.

[B]

Wow.

[A]

We've served and helped families. They paid their bills, expanded their, their kids education to the private school because you know, it's crazy to be in public school.

[B]

That's a whole podcast right there.

[A]

So. Yeah.

[B]

And I know speaking of kids, you got five, right?

[A]

I do.

[B]

That's impressive.

[A]

Older kids and then they get to younger kids. Because I was married before.

[B]

Okay.

[A]

So my oldest son is now 28. He made me a grandfather.

[B]

Wow.

[A]

And so he's your grandfather. I'm a grandfather. Yeah, you were young. I'm 50.

[B]

Okay.

[A]

Yeah. And so my twins are 23. They have a 13 year old and a five.

[B]

What have you seen the difficulties of each one as social media has been introduced and all that?

[A]

The old ones, not so much. I chose the three older ones not to think that going to college was the only way for you to make money.

[B]

Oh, even when they. So 28. That's my age. So that wasn't a normal way of thinking back then.

[A]

That's right.

[B]

To not go to college.

[A]

Correct. So. So I'm in the counselors with the advisors there and like my kids are there. You know, this college, get this, your sat. I see whatever testing. She's got a big Notre Dame thing behind her. I said, cool. Can I, can I offer some feedback? She goes, sure. Hey, girls. Son, do you think that going to college is the only free way for you to make money? Why do you got to go to college? Just because she went to college or anybody else who went to college with classes of entrepreneurship and capitalism for enterprise. Do you teach her? She's like open. She couldn't respond. She like, she was lip locked for 10 seconds. Right. So that's the thing. Your father has built his way through his Life with a 2.2 GPA in high school. I have a PhD, a public high school diploma. I built my business through sales. I built my business to customer service. I built business building a reputation. I'm a single father. Three kids that raised you in this neighborhood. So you can have options better than option I had and a college degree. They didn't bring me there. So it's up to you. Now, college is a great place to go. But if you want your outcome is to make money. There's other ways to make money. You don't want to be a doctor. You want to be an engineer. You want to be a scientist. The STEM subjects kids aren't very good at math and science. Then there's other ways for you to make money. And fast forward. My son right now, he runs a stretch clinic. My daughter owns a esthetician business. My other daughter's still trying to figure it out, but meantime, she's got to. She got a job in Creighton Valley. Not being a burden at the house.

[B]

Nice.

[A]

But none of them have student loan debt.

[B]

Wow.

[A]

I asked him. So how are your friends, papi? They're all $100,000 in debt. You know, I didn't like it when you said that when I was in high school. Because, you know, Everybody's going to college. But I'm so thankful he coached me and guided me not to go to college because all my friends are six figures in debt working at Nordstrom's Retail.

[B]

Yeah, it doesn't guarantee a job anymore like it used to.

[A]

Yeah, my third, my 13 year old. He's great in sports. His mother, my wife, she was a D1 athlete. Played softball at University of Pitt. So he's, we've been feeding him that language.

[B]

Nice.

[A]

And he's like, hey, dad, you know, I want to be a D1 athlete and after that I want to be an agent in php. So he's, he's getting paid $1,000 this summer for reading three core books, for doing 150 shots with your right, 150 shots with your left, 150 free throws run a mile. And I want you to do it during the hottest time during the day.

[B]

Wow, that's some goggin stuff right there.

[A]

And he doesn't, he doesn't wait for me to tell him he does it. He sends me his long text message. Dad, I wrote this book in a game of tennis. Wrote this book, entrepreneurship for kids. Wrote this book rich Kid, Poor Kid by Robert Kiyosaki. Dad, I'm waiting for my thousand dollars because he's asking me, what's the next book? What's the next book? He's going to do it before the deadline because I'm incentivizing to do it before the deadline. If you do it before the deadline, it's another 500 bucks to read the books. So I want him strong mentally. I want to strong physically as he's coming up. It'll be going into, you know, eighth grade here coming up.

[B]

Yeah, he's going to be thinking differently. Is he in public school?

[A]

No, Christian school.

[B]

Oh, nice. Yeah, yeah. I'm either doing private or homeschool.

[A]

I am 100 agree.

[B]

100.

[A]

Yeah.

[B]

It's not even like a question at this point.

[A]

One of my, one of my ANC builders in Memphis, she felt so bad about the public school system. Using the skills she used in entrepreneurship, she went out and rallied 3,000 votes. So she's now the new school board commissioner.

[B]

Wow.

[A]

Unseats the incumbent and she's bringing a whole new team of people to run the school.

[B]

That's awesome.

[A]

Because she's now a school board commissioner. So entrepreneurship is a vehicle to have positive influence in America. People think it's just about money. No, your business is a way for you to magnify the values and principles which you're about because people can work to you and God can work through you. And she becomes a school board commissioner.

[B]

That's amazing.

[A]

Yeah.

[B]

There should be an entrepreneurship class in every school.

[A]

Well, do you think that an entrepreneurship class would benefit? Because just like most classes academia, you don't really like entrepreneur. You learn about entrepreneurship because you did it because you. You sat. Right.

[B]

That's a good point. Yeah. So maybe I would structure it like this. I would bring in entrepreneurs to speak.

[A]

That'd be great.

[B]

Yeah.

[A]

100. That's how we got recruited into the military.

[B]

Oh yeah.

[A]

Because an army soldier walked in. Didn't join the army though, listening to the marines. But I was inspired by serving a country through the lens of an army soldier. That formula went to high school.

[B]

Exactly. Like I would listen to that if I was in college. Rather than the professor teach out of a textbook.

[A]

100%.

[B]

A nine figure entrepreneur came in and talked for an hour. That'd be amazing value. Correct? You know.

[A]

Yeah.

[B]

Like imagine you speaking to college kids.

[A]

You know, moral authority and leadership by example is a big thing. I mean I was asking my kids when he was going through public school. So when's gym class? What time? Tuesdays and Thursdays. Wait a minute. Not Monday through Friday, Only Tuesdays and Thursdays. And we wonder why America today is an obese generation. Because the public school system is even removed. Physical education, gym. I didn't know that from a school system.

[B]

And even the gym class itself is a joke. I mean you just stand around for 30 minutes, right. They don't actually work you out. You're not sweating at all.

[A]

I think one of the worst things they did with kids is to allow cell phones in class. They should put the cell phones in the locker. You know, don't put it, you know, to make it an easy thing for kids access. Because what are they doing? And I'm observing because I observe because I go to some high schools that teach financial literacy like what you were saying. And I'm just sitting in the back watching these kids what they're doing. They're playing video games on their phone. They're not listening to the teacher. They're playing chess. They're not listening to the teacher. Playing test with one another and playing games one another in the classroom. They're not paying attention. So you know, I think the way for people to educate their children or academics just has. Has to be reformed and they have to find a different way. Yeah, it's more doing. And that's why private school and homeschooling is really I believe the way to go.

[B]

That's the move. So were you a D1 athlete?

[A]

Nah, I was in the Marines, bro.

[B]

Okay.

[A]

I was in the marines. And I was. I was too tall, too skinny.

[B]

You know, we're skinny.

[A]

Oh, bro. Yeah. It wasn't until I left the Marines, because in the Marines, I was even skinny. But I was in shape and I was strong. I'm a late bloomer. I didn't start blooming until I was 44, 45 years old.

[B]

Damn.

[A]

I didn't add any muscle until I was 44, 45 years old.

[B]

Yeah, I gotta throw up. Some old photos of you on the screen.

[A]

Yeah, we showed it at the screen. I'll send them to you. But 2017, because my body, you know, sometimes people are obese and they're in their fat, they're out of shape, and their obesity and their. Their body fat will show that. Well, I would say the opposite too, as well, for certain body types. I caught. Because I was skinny, fat, I was out of shape, I was skinny, but I had a lot. A lot. I didn't have a lot of body fat, but I was out of shape. I had chronic pain, arthritis, I had gout, all these different things. My fingers were all messed up from the military. I felt bad, I felt poor about myself until I got. Until I invested in my health to fix my problems, to take the right medications, to take the right. Eat the right foods. Because in business, you need a lot of energy. You actually need to be in shape. I got a teacher out there called hashtag entre, pathlete. As an at. As an entrepreneur, I'm actually looking at it as an athlete looks at their sport.

[B]

Wow.

[A]

Study game, tape. Know my competition. Know the X and O's of my industry. Right. Recruit talent, retain talent. I'm an entre pathlete. The same disposition, intensity of people approach your sport. Athletes approach a sport. The same disposition. I'll approach business. And so that's. That's the attitude and the character of why I created that hashtag.

[B]

Mark Cuban said business is the biggest sport in the world.

[A]

100% 24 7. Yeah, exactly. Because you don't shut off after three, three and a half hours. You're on on game all the time. And that's the stress. Sometimes people. But I love the stress. So I don't even call it stress. I put it pressure. So most people get a job, they don't control the odds and control their boss. That's stressful. No wonder they have cancer. No one have a heart attack. No wonder. Right? Most was it was this, that most people have a heart attack on Monday morning, 8:00.

[B]

Really?

[A]

Because people dying to get to the job.

[B]

Wow. I didn't know that.

[A]

Because they're under stress. Right. But a lot of entrepreneurs, if they don't take care of their health, stress will. Trust. Stress will come in versus pressure. Pressure to me is like you throwing on plates on the barbell. But you ask for it.

[B]

Right.

[A]

But at least you can ask for a spotter, or you can remove their weights and start lifting the weight. You can. The reps, you can, you can handle. To me, that's pressure. To me, that's entrepreneurship.

[B]

Yeah. I love pressure, too. Forces you to grow.

[A]

Yeah.

[B]

You know, you're in charge. Yeah.

[A]

Control.

[B]

Yeah. But stress is. I've had burnout too. So you got to play that balance correct.

[A]

Correct. Well, you also have to be passionate about and love what you're doing. You got to love that you're improving all the time. You got to love that. If you're not improving, your competition is. That's the excitement of it.

[B]

Right.

[A]

But then again, if you are operating your business in. In ways, because I. A lot of guys that I knew in Chicago, that they were way ahead of me in business in my 20s, in my 30s, they were way ahead of me. Right. Next thing I find out, they're cutting corners, they're burning bridges, they're taking advantage of clients. They're not building a solid reputation. Even though they were a lot ahead of me, five, 10 years ahead of me in terms of five, 10, 20, $300 million ahead of me. Today, they're back to square one because they burned those bridges. From. From 20 to 40. No big mistakes, man.

[B]

Wow.

[A]

This. This is the. We interviewed George Bush 20, the 2020 plan. 20 to 40, no big mistakes. Don't get the wrong girl pregnant. Don't get arrested and get in jail. Thrown in jail, don't go to prison. No dois, no right, no big mistakes. Mistakes that take years away from you. The next 20, from 40 to 60, make your money, get married, take care of family, take care of kids. Compound your wealth. 40 to 60, then from 60, 80, dedicate your life to public service. They get your life to a purpose bigger than yourself. That's the bush 20. 2020.

[B]

You're playing the long game out here. Most people don't want to wait till 40 to make money like that.

[A]

My staff was my social media staff. Younger, I recruited 21, 22 years old. I'm 45 at the time. My whole staff is in their young 20s. They were giving me a hard time while I was going hard in my podcast and my, in my company with php, with crypto. They're giving me a hard time of why I was going hard in NFTs because I had a lens of the long game. I've seen this play before, it just comes in package differently. I saw this played in real estate. I saw this played in with 0709. Great, Great Recession. Yeah, I saw this play in 01 with the, with the, the dot com bubble. Everything.com.com is being bought in 01 when the Internet was coming alive. The same attitude, behavior and spirit I saw with crypto, I saw with entities. I saw people selling their, their homes to put everything in crypto. Getting the retirement plans into crypto next. You know, they lose everything in crypto, fast money. They lost everything in NFTs. My clients, they lose stuff. Why? Because we set up our clients with a foundation. Once you build a foundation, you can get excited about other things, but make sure you build your money so you know, down the road it's going to be there because it has to be there. Because America today, bad shape of the retirement America, brother. 10, 20, 30 years right now, America's all broke. America's all broke. The average 50 year old today, 60 year old today has less than six figures in retirement savings. How long is that going to last in retirement? You see at the Costco, Walmart grocery store, how many 70 year olds are sadly still working out because they want to.

[B]

Yeah.

[A]

Because they have to.

[B]

Yeah.

[A]

And one things we take for granted in our 20s, 30s and 40s, our ability and capacity to work. When you're 67, you, by the way, you go like this, Sean, you blink like this, you're 60. Life just passed on, passed by in a flicker. You're like, I didn't save nothing. Inflation, I couldn't save nothing. So that's why we're encouraging a lot of people, if you don't have a business today, at least start some form of side hustle. You have to go 100%, go in business 100% but start a side hustle, something that can help you earn the same amount of income part time as you do your full time job. And then you got options that a lot of people don't have with their boss, with their job.

[B]

Right. So how much money are you recommending your clients to retire with at 65 right now?

[A]

Well, it depends on what type of income they want to live. We have a rule called the 4% rule. So whatever you're going to save up. No, don't draw more than 4%. For example, if you got a million dollars saved up, don't draw more than 40,000 because you want to, you don't want to kill your principal. You want, you don't want to kill.

[B]

The 40,000 a year.

[A]

40,000 a year, that'd be tough to live. No. Right. So what do you, let me ask you, what are you comfortable living on a year?

[B]

I would need at least 400,000. Dude.

[A]

That's right. So, so the 4, do the 4% math you actually need if you want to retire, not play the entrepreneur route. You need in retirement savings $10 million.

[B]

Right?

[A]

$10 million. 4% is that number.

[B]

And that's assuming that the million 10 million is making money, right?

[A]

That's correct. Because you're hoping that whatever you drive 4%, whatever you're investing in is growing at 5, 6 and above what you're pulling out, right? That's the idea.

[B]

So you can't take a big hit on that money or else it's, it's tough.

[A]

That's right.

[B]

Like right now a lot of stuff's taking 30% hits. Stocks, crypto, 40% hits. Even Ethereum's down 40% this week.

[A]

That's right. And by the way, I don't think that people realize that those things are great, make your money. I'm not saying don't go into crypto. I'm not saying even, even NFTs. Go put your adventurous, risky money there knowing that potentially you might lose. But people putting the whole entire portfolio inside these things. Right, because they're thinking like it's a lottery ticket that you know, improper says what money gets quickly and, and not earning it is something that's going to fail down the road. King Salomon wrote that. Right. Obviously I'm paraphrasing. But if you're looking for always get rich quick, get rich quick. You try and cut corners, you know, not think about long term wealth, eventually is going to catch up to you.

[B]

And that's what I fear. The mindset of my generation is very get rich quick kind of mindset because I think partially because of social media.

[A]

Well, I think your generation too is very innovative. I think your generation too finds many. I hire a lot of 20 year olds.

[B]

Oh yeah, a lot.

[A]

I love hiring a 20 year olds. The future of our country is going to be based on a 20 year old, right? The president of our country eventually be some form of 20 year old in this generation. Eventually be 40 and 50 from the things he learns in his. In his 20s. So I think this generation is going to deal with AI very quickly. I think AI is going in the next 24, 36 months is going to take on more of a. A crazy upswing in companies. Because what's, what's a major expense of a company staff. Correct. So guess what? That company is looking to replace eventually using AI staff. What does that do to the profitability of that company? Skyworks. What happens to the stock value? The company skyrockets.

[B]

Right.

[A]

So I believe the play next 5, 10, 15, 20 years is not real estate. It's equities growth. Nuclear. Because as coming in and all these EVs are coming in right now in Texas we have a power shutdown. And if everybody starts plugging in their Tesla their electric car in California, California's power gets shut down.

[B]

Wow.

[A]

We cannot base the future of ev. We can't base the future of AI on its current electric power grid. We have to have nuclear. And so to me that's one of the things I'm looking at in terms of my investments.

[B]

Nuclear energy.

[A]

Interesting new generation of energy.

[B]

Are you telling your kids and your employees that you might be replaced in a few years? So you need to develop a really good skill.

[A]

The cool thing about the insurance industry, it's a, it's not a high talent type of operation. You know I actually enhances a lot of our, a lot of our operations. We don't. The only thing we foresee ourselves in the future is going to explode the insurance business. Because tough times. Fear sharpens listening tough times. None of our clients have lost any money because of insurance policies and the insurance contracts that it's based on. Because insurance companies, some of the brilliant investment investment managers in the world are managers of investment firms finances because they have to promise a client you will not lose and we'll pay you a death benefit or pay you an interest rate guarantee contractually guaranteed by what we promised 5, 10, 15, 20 years ago. Investment manager Insurance companies can't get risky. They have to be stable. They have to be secure. Otherwise they get. They get bad ratings from the, from the rating agencies and we have bad ratings from the insurance agencies or the correct. No client wants to go there and put their money in that insurance company.

[B]

Dude, I love the way you built your lifestyle because you're recession proof.

[A]

I am.

[B]

That's. That's incredible. It's really hard to get to for most people.

[A]

And pandemic proof too.

[B]

Right? A lot of people got wrecked during that.

[A]

Yeah. And so when, when stock market goes down. My, my second book Gotcha. It's a best selling book. It talks about my favorite client. For 21 years. 22 years now, she hasn't lost any money. Withdraws her money from retirement without paying a dime in tax.

[B]

Wow.

[A]

Her and her husband now are now retired. Now. Love living this next golden chapter of life in dignity. Even though they have to pay $5,000 a month into a retirement community because they can't get up and down their house in Chicago anymore because of their age. Selling their house, they move into a retirement community. Not retirement home, retirement community where there's activities every day. They look at it like look, look at the schedule. It's a cruise ship on land.

[B]

Yeah.

[A]

Having make new friends. Enjoying this chapter of life. Why do I talk about this client so much in my book Gotcha. Who's safe and secure in this world today? When I talk about that client? It's my mother.

[B]

Wow.

[A]

So I've made sure I got involved in the financial services business. Tell the people I love and care about. That first person at that time was my mom. Because I'm seeing this financial firm and this insurance firm helping these strangers. Like man, I'm thinking about my mom that way. How come I'm not helping my mom, I'm not coming my, my family. So that's one of the selfish reasons I got involved in financial services outside the great money that you make. But I want to take some of the values and principles and strategies while people are getting wealthy to help my own family.

[B]

Right.

[A]

Because people today, the middle class income generation, that's the gen or the, the, the, the demographic that I serve, the multicultural middle income demographic, sadly will never get rich. But they don't deserve to be broke.

[B]

Agreed.

[A]

They're never going to get fancy with crypto. They're not getting fancy. They're going to get sophisticated. Their investments inside their 401k. But they don't deserve to be broke. They need to deserve all their life. Now retired at 60. They deserve having consistency, not having stressed where's my money coming from? Inflation is kicking my ass. So if I have aging parents, if I have aging relatives, I should care about their financial situation. Because if they're not taking care of themselves, guess who's going to be asking for help? You?

[B]

Yeah.

[A]

Kids, grandkids.

[B]

Yeah. You really found your purpose, your mission. It sounds like it's exciting.

[A]

Yeah.

[B]

Yeah. Dude, that must be a terrible feeling. Imagine working your whole life and then you're worrying about do I have enough money to live out my days.

[A]

Ain't it crazy?

[B]

It probably takes years off your life.

[A]

And think about this, Sean. When you get older, what do we lose? When I was younger, I got invited to a lot of birthday parties, graduations, weddings. When I say 38, 40 years old, guess what I started experiencing? My invitations were from funerals. Correct. And the people that you grew up with. The people that you assign with. Two days ago, one of my good friends, sadly, 40 years old, four kids.

[B]

Damn.

[A]

Passes away on vacation. He's financially free, financially independent, on vacation, passes out.

[B]

Wow.

[A]

Can't be revived. Four daughters, leaves behind.

[B]

Geez.

[A]

So, you know, you look at life today, it can be gone in flicker. And so when you look at that scenario, when we get older, we start losing our associations, we start losing our friends, we start losing our partners, we start losing our family. Imagine being 67 year old and everybody you grew up with, or everybody you've had befriended in your business or your career, it's dead.

[B]

They're gone.

[A]

And you're sick. 70, 80, and you're lonely. See, the thing here too, Sean, is that most people, sadly, in their entire life, after high school or college or even the military, you know what they don't do in their adult life? Make new friends. They don't build a new network, they don't build new associations. As we said before, in business, if you're not growing, you're dying. Same thing happens too, with your personality.

[B]

Absolutely.

[A]

Your personal life, if you're not self improving in that category, investing in new friendships and relationships, sadly, emotionally, deep down inside, you're starting to die.

[B]

Oh, yeah. Yeah. I've gone through phases where I was very lonely, had very little friends. It eats your health. Physically.

[A]

Yeah.

[B]

And mentally.

[A]

Yeah, for sure.

[B]

Yeah. You need that support group. How did you meet pbd? Was it in the military?

[A]

I got introduced to him by Pastor Dudley Rutherford, who I met four years prior to actually with that introduction. My sister worked for shepherd of the Hills Church in la and she was my sister. It was an Orlando Magic girl. She thought she's going to LA to be a Laker girl. She found Jesus instead, goes to church. I meet Pastor Dudley Rutherford. He goes, you need me to. You need me to meet Iranian version of you? She's pbd because PBD was going to his church. He goes, you need me, the Filipino version of you. So, Pastor Dudley Reford, God bless you. Massive shout out because that introduction changed my life.

[B]

That's hilarious. You two talk very similarly.

[A]

Do we?

[B]

I could tell you hang out a lot yeah, yeah. Because I watch his podcast and you guys talk the same way.

[A]

Dude, it's been honored to be mentored by a once in a generation, I would even say once in a lifetime type of CEO.

[B]

Oh, yeah.

[A]

Founder, leader.

[B]

Yeah, he's different. Yeah, yeah.

[A]

And he's only 45, brother.

[B]

What?

[A]

He's only 45, dude.

[B]

He might be the goat by the time he's done.

[A]

Easy.

[B]

Wow.

[A]

Easy.

[B]

Yeah. His shift into politics was brilliant.

[A]

And behind the scenes, he was always feeling that way.

[B]

Really?

[A]

Like we were going on trips here. How do you feel about this? How do you feel that? Suppose. What, do you lean in politically? I said I don't care about politics. Why should I care? No, you should care. Why? Because the knuckleheads create policies that affect all of our lives. They affect our business. So I'm not trying to tell you to vote for anybody. Just be aware what's going on and make your, you know, make your analysis there. Make your vote count for an educated decision. Now, I'm coming into political season. I got five policies that I'm prioritizing. Not personalities. Policies. America's so damn sensitive. Like, I see Trump today, to me, okay, you talk shit. So what I'm used to in the military, I'm used to growing up in Chicago. Right, Right.

[B]

People.

[A]

So damn sensitive day. If he's calling out somebody because they're not performing or country because they're not performing. Yeah, you're right. You should talk shit. Yeah, I know it's not presidential. And maybe these. He definitely needs to polish that up, you know, maybe a little bit more diplomatic. Yeah, but that's his thing. But to me, that doesn't affect me. But when I look at potential candidates, I'm like, first. First for me is economic policy. Do I have you in my way? Government. If you're in my way, the regulation, undesirable. High income taxes. You're disincentivizing me to be an entrepreneur. And I wonder if that's what they're trying to do. But America was founded on life, liberty, and the pursuit of happiness. Government should not be big. The number one. Who's the number one employee in America today?

[B]

Is it Google?

[A]

No, it's a federal government.

[B]

Oh, really?

[A]

Federal government? Is that good things a bad thing? I don't know. It's not a good thing. Uni Tax are funding the largest employer in America, the federal government. It's expensive, it's expanding. I don't know if that's a good thing.

[B]

Yeah, they just hired a bunch of IRS People, Right.

[A]

Have you gone to the dmv?

[B]

Yeah.

[A]

How?

[B]

Two months wait and packed.

[A]

How would you like our health care to turn that way?

[B]

Health care is already a shit show.

[A]

Imagine being run like a dmv.

[B]

Yeah, it'd be bad.

[A]

Er, emergency room. You'll get away from point. Come back. Come back for your heart attack appointment. You die right there.

[B]

Yeah.

[A]

In the air room. So when government takes over things, it becomes a shit show. It becomes inefficient. It's too bureaucratic. Because there's no incentive in federal government to improve.

[B]

Wow.

[A]

There's no. Matter of fact, when I was in the military, I'd order things from our suppliers. A hammer of $10 at Office Depot or Home Depot will cost $50 if you go through our federal. Federal approved contractor.

[B]

Damn.

[A]

Because these companies, they get the contract to sell their products and services to the government. They see that federal government, we can overcharge and they won't care.

[B]

Gee.

[A]

So they abuse the system. Toilet paper. Toilet. I'm ordering supplies. When we're deploying. Toilet paper is costing 50 bucks for something you can buy at Walgreens or CVS for, for four or five, six bucks. 60 bucks going through our supplier. Federal government approved. So companies out there have been taking advantage of the federal government and that's where you need oversight.

[B]

Wow.

[A]

That's when you regulation like, huh. This doesn't make sense. We're spending too much money here. Nobody cares about overspending in the government. Nobody cares about efficiencies in the government. You know, cares about that type of stuff is entrepreneurs.

[B]

Right.

[A]

More entrepreneurs need to go in there. But here's the downside. An entrepreneur going into the government, it's a pay cut and nobody listens.

[B]

Huge pay cut.

[A]

Lisa says an entrepreneur can hire and fire and track people. I want to build inside bureaucracies people got voted in, they're embedded in. So that's the institution that we're up against.

[B]

Trillion dollars in debt right now. Yeah.

[A]

Oh my gosh. It's horrible. By the stat, what in America, 1.4 trillion. Just credit card debt.

[B]

Holy crap.

[A]

So if America is not allowing allowed to make its own money, they drain down their saving or don't even save at all. Which means down the road they depend on federal government and federal government Social Security or some form of government program. Now you're dependent on the government instead of being independent. And when you control your income, your life is controlled by somebody else. He or she that controls your income, controls your life and the decision you make in it.

[B]

Right.

[A]

So if you don't not control of your income, you don't have your freedom, your autonomy, you're controlled.

[B]

So that being said, do you use credit cards?

[A]

Of course I do.

[B]

But you just control it.

[A]

I control it. I love credit cards. I fly for free online credit card use. I meet my friends at the Amex Centurion Lounge. Yeah, right. But that doesn't mean I carry debt.

[B]

You pay it off asap.

[A]

That's right.

[B]

Yeah.

[A]

It's a tool.

[B]

Yeah. Some people just spend a ton on cards and then never pay it off. And then the interest is 10%.

[A]

That's why it's mindset over money. If you don't train your mind in your attitude, your disposition, how you view money, then you'll always be broke.

[B]

Absolutely. What's next for you? What's next for a seven figure squad and PHP Agency?

[A]

PHP Agency. We're building a billion dollar company. We just partnered with a company called Integrity Marketing Group. And their CEO and their chief distribution officer was just at our conference versus inspired. Impressed by what we're doing. We're very inspired, impressed by them.

[B]

Nice.

[A]

Just let me share with you a quick servant leader. A servant leader type of scenario. I was sitting down by the. We had ludicrous. They're doing a concert.

[B]

Oh yeah.

[A]

So I sat down and somebody spilled or drink their coffee. And I was kind of straddling because there's no napkins or whatever. And like I was, I was just kind of sitting in my chair straddling the, the, the spill. Next you know, this billionaire, Brian Adams comes out with a towel. Did he ask one of the people get any wipes? The spill in front of me. Wow, he's a billionaire. Tell us. He's doing. Wiping the spill in front of me. That's servant leadership, man. If you don't get a guy or people around you that wants to help you. If you can give another example, backstage, Patrick was there with his families and the kids around were talking about a Trump documentary that he had his kids watching and the political documentary on the, on the left side because we want his kids both informed on both sides. And I'm sitting here and I realized, Jen, his wife is walking in, all the seats are taken. What do I do as a, as a husband too? I said, Jen, I get up. Jen sit down. Right? She sits down. He notices I'm up because I'm preparing to interview Bill Belichick and you notice I'm focusing on my notes. Guess what I find? He taps me on the shoulder. So Paula, sit Down he comes behind with two different chairs. Patrick, you don't have to do this. I'm thinking, I'm so blessed to be around servant leaders. Patrick David, who's a servant leader, he sold his company and now it's worth what, half a billion dollars giving me a chair to sit down. I get a billionaire care enough about how I'm sitting in a over a spill to bring a towel and wipe it up. You kidding me?

[B]

Wow.

[A]

These are the type of leaders I'm just blessed to be around.

[B]

Powerful. Because some leaders lose touch with their, with their customers and with their staff and everything.

[A]

That's right. In eroding the customer client experience.

[B]

Right.

[A]

Thereby eroding their referability or ability to attract and recruit people. Some brands, some companies attract people just by reputation, not by what they put on. Indeed. Or monster. Because I want to work for that company. You know the good things to say about the company? Work at that company. Hey, get a foot in the door for me so I can get me a job. Right. And that's the way we've built php. How to create a client experience. Now, are the people that come into our sales organization and quit and badmouth the company, of course. But they're going to quit. I've never met, I've never met, ever met a winning quitter. Why? Because quitting is a habit. Now, I'm not saying that you stop and move here because you want to improve your skills, but if you go from one tough decision to another, instead of pushing through it and learning through it and innovating and improving through it, but you quit. That's a habit, right? In the entire life, when times get tough, you got quitter's blood. And guess what? You're giving to your children. You're giving your children quitter's blood. You pass down generational quit quittedness, not generational wealth.

[B]

Wow, that's crazy. That was Bill's first interview since retirement, right?

[A]

Was it?

[B]

I think so. I haven't seen him on a pod or anything.

[A]

By the way, I had some very cool. I have very cool questions. I can't wait for that interview to come out.

[B]

But yeah, I can't wait to see that one. Will that be on Seven Figure Squad?

[A]

It will be. It'll be up soon. Either that or a php. We just got to get everything approved through his, his, his camp.

[B]

This big show. Man, congrats on that one. That's huge.

[A]

It's amazing. I mean, because earlier this year we interviewed Patrick, interviewed Tom Brady.

[B]

I saw that one. Yeah.

[A]

So I said, patrick was told what some of the things that you learned too. So I combined my questions for Bill. Node was like, hey, Bill, was Tom wanting to get a seventh ring to beat you or to be Jordan?

[B]

You asked him that?

[A]

Yeah.

[B]

Wow. That's a blunt question. There was a lot of media drama over that. That split. I remember.

[A]

Yeah, right. Another question, Bill, you're about to have a Perfect seed in 2007. You won all 16 games. You win every playoff game. You're in a Super bowl. You're about to have a perfect season. Nothing that's been happening since 1972 with the dolphins. You, you're one minute away from winning. It's 14 to 10, you're up. Eli Manning spins out from a sack, chucks it down to Tyree. Tyree catches the ball off his helmet. Four plays later, score a touchdown, beating you in the last minute in a Super bowl, destroying your perfect season. It's like, man, thanks for making me feel bad.

[B]

He probably couldn't sleep for a year.

[A]

But I'm wondering, how do you deal with the loss? Some people have a bad day. They right, oh, this business sucks. My wife sucks, my husband sucks, and they quit. This guy answers to his question, I can't. I can't release it right now. But his answer that question shocked the out of me.

[B]

Wow.

[A]

Shocked the out of me. I'm like, what? Okay. I don't want to give too much.

[B]

No, that's fire. I can't wait to see that one. When does it come out? In like a month.

[A]

Depends on when we get the approval from Matt.

[B]

Where can people find you, man, and see what you're up to?

[A]

Very simple. M Smart Guy all over the place. M Smart Guy on X now on X Money Smart Guy on Instagram, moneysmartguy.com My YouTube channel is called 7 Fear Squad because my YouTube channel is dedicated to helping people think like a millionaire, strategize like a millionaire, so down the road they can be a first generation cash flow millionaire. That's what they're talking about.

[B]

Thanks for coming on, man.

[A]

God bless you, brother.

[B]

Yep.

[A]

Sean, thank you.

[B]

Yeah, thanks for watching, guys, as always. See you next time.

[A]

Hey, music fans, there are some great concerts headed this way. Don't miss out on all the shows in your favorite venues like Deftones at.

[B]

Madison Square Garden, Eagles at the Sphere, and Foster the people at the Ryman Auditorium.

[A]

Tickets are going fast, so don't wait. Head to livenation.com to get your tickets. Now. That's livenation.com.