Sam Gembel (28:23)
Yeah. So we're, so we're, I'm playing a gig one night we were at Dryden Days and good old Dren, Michigan and there was a guy sitting in the, the front part of the stage, like looking, looking up. And I remember we made eye contact and something about this guy, dude, I felt like he was Jesus. And he's looking at me and he's like, Jesus going, I, I'm giving you this life. And you know, our business was kind of starting to take off and we're making some traction and he's like, I'm giving you these God given talents and this is what you're, you're doing with it. And I went back to our band practice like the next week and I remember telling the guys, I said, hey, I can't, I can't do this anymore. Like I can't. And everybody in the band, they all felt the same way. They all like somebody just needed to say it. They all went like, they all felt convicted. And so we end up being like. Without going down to too much in the story, we ended up forming like a Christian rock, like, like this, a Christian rock band. And, and that band we would go play at like men's festivals and we were all like, you know, skillet covers and stuff. And it was amazing because I still got to drum but like we still had fun with it. And I'm still a worship drummer today for, for Grumlaw Church. Shout out to Grumlaw Heartland Michigan, another campus in Graham Lake, Michigan. And I'm the worship drummer there and I love it. But as far as in our business, you know, God continued to reveal himself over and over and over again through adversity after adversity after, you know, bank account, no money in it. We got to make payroll. And then we get just enough to be able to make payroll. And when we went, we were about nine months into our business journey when we ran, when we ran out of money, like we start the business, we had about $22,000 in the bank. And you know, my wife's staying at home now and cut the cable. We got rid of every frill you can think of. And we're about eight to nine months in. And I remember coming home one day and my wife never wanted to put the burden on me of business. You know, hey, we don't have any money, all that. And I got home one day and she goes, hey, I mean, I know, honey, I know you're working hard. I know you're out there, you're coming home, you stink. And. But she's like, we don't, we don't have any, we don't have any money. And I'm like, okay, what is, what do you, like, what does that mean? Like, what do you mean no money? She's like, well, like our personal savings account, we don't, we don't have any money. And so we're looking at it and we're, we're trying to like figure out what we're going to do. And our mortgage at the time was like 13, 1400 bucks a month, something like that. And I said, well, I wonder if, what if we went to the bank and asked of them, asked them to like furlough our mortgage for a couple months, you know, like that could let us get back on our feet and build this business into something. And she's like, okay, let's do it. So we go to Chase bank and like, mind you, we had grade a credit, like 800-900-credit score, never had a late payment in our life. And we go to Chase bank and this is remind you, we're in late 2011. We're probably more like spring 2012. We're actually in the winter because remember, it was cold. So we're not far into the business. And mind you, we're just coming out of the housing crash, so we're 2011. So banks are very, very skeptical on loans and, and money. And we, we go to Chase and the guy says, hey, well in order for us to help you, all you have to do is miss a couple of house payments. And, and what we'll do is we'll put you into like this kind of like a charity case kind of thing. And then, you know, we don't want to, we don't want to foreclose your home, but we gotta see that it's real. I'm like, well, you can look at my bank account and there's no money in it. That's how, that's all you need to see. And he's like, I know, but you gotta miss a couple payments. Okay, got it. So we leave the bank, got our daughter in her car seat and my wife's like, so what do you think? We're doing it. No payment, we're going to miss it. This is going to help us. This business is going to make it. If we Got to move to an apartment. We're going to make it work. And so my office at the time was over, was a Starbucks in Burton and Burton, Michigan. And there was a lady there. Her name was Jenna. Jenna plays a big part in my faith journey here. Jenna was a barista. Her and her husband used to. They used to be custom home builders. And during the housing market crash, they lost everything. And so she saw Atlas starting. You know, I'm always in there. I got my laptop. I'm always on the phone. I'm always hustling. And, like, we got. I got to know her because I would literally go out, estimate, go mow some lawns, meet some customers, go back to Starbucks, send a quote. I'd interview people at Starbucks. Everything happened at Starbucks. That was my office. And so I got to know Jenna really well. And she. Wait. Like, I go in there one day after this all goes down, and I'm telling her, she's always like, how's business going? I see you out there, and, you know, you're always on the phone. And I said, yeah. I said, actually, really well. Like, really well. I said, actually, we're not paying our mortgage anymore. And she's like, wow. Like, what does that mean? I'm like, well, we're. You know, I talked to the bank, and they're going to furlough, like, a couple years of payments for us to help us get this business off the ground. And she's like, that's. That's wild. Like, you're doing it. I was like, oh, yeah, we're doing it. This business is going to be something when we grow up. And so she's cool, here's your coffee. And I go sit down, and she comes over and sits at my table hour later, and she says, hey, like, I ain't trying to get in your business, like. And I'm like, no, what's up, Jenna? We're cool. You know, she said, don't. Don't not pay your mortgage. And I was like, what? No, man. Like, we got a plan. Like, we not. We're all in. You're. You're messing up the program right now. Jenna, how about you go back, make more coffee and let me do the business? And she's like, I'm just telling you, Sam, the bank is going to own you. And she said, if you don't pay your mortgage, you're what? If you ever need credit for your business? And I'm like, dave Ramsey, cash only. We ain't buying nothing on credit in this business. And she's like, I'm just saying you could. And I was like, nope, Dave Ramsey. No. No credit, no nothing. But, hey, I appreciate it. Somebody needs a latte. Have a good day. And I get home from work, and I'm like, brandy. And I'm just like, got the win because we had this plan, right? That's going to work. This is what we're going to do. We had convinced ourselves that that's what we needed to do to make something with this business. And I get home, and Brandy's like, what's up? You just don't seem like yourself. And I said, hey, I'm talking to Jenna today. And, you know, blah, blah, blah. And she's like, first off, who's. Who's Jenna? I was like, oh, the barista at Starbucks. And. And I was like, she's saying we should not. Not pay our mortgage because it could. What if we needed credit one day? She's like, well, I thought we agreed. No, no credit. I was like, I agree. You're right. So she's like, but what if she is right? And I'm like, I don't know. And Brandi says, you know, I never did have peace about not paying the mortgage. And so I'm like, well, how much do we need? So we did our little napkin budget, and. And she's like, man, if we made 52 grand a year, we could. We could live. We can survive on 52 grand a year. And so I'm like, how do we. How do we make 52 grand a year? Like, every dollar this company makes, we're paying it back out every, you know, materials, labor, and got a. We had a couple of trucks. And, like, I don't know how we're going to do that, but we're going to figure it out. We're. We're. We're. We're going to pay our mortgage now. So we made that decision. And I get a call from somebody that knew somebody that said, hey, Best Buy is looking for somebody to do, like, outdoor garbage pickup two nights a week. They want it done at night. And I had called the business Atlas Outdoor because we didn't want to just limit ourselves to cutting grass. We'll do anything outdoor. We'll pressure wash whatever you want. We'll wash your windows. You name it, we'll do it. And so when I heard this, I'm like, I could kind of fit the model. It's got to fit the model. We pick up some garbage. And so, you know, I call this person up, and, you know, what do you what are you looking for? And they're like, well, we need garbage picked up at these 11 best buys from Fort Gratiot, Michigan, pretty much over to Okamus and everything south of that. And, you know, so I'm looking at it. I put it in the. The Google Maps and. Or whatever, MapQuest, whatever we use then. And it said that I could make the whole run in about three hours. So I was like, okay, three hours. If I spend 20 minutes at each one, I could be. If I left at 1 in the morning, I could be back in time to start the day. Okay, I'll do it. And they're like, well, what would you charge? And I went 4200amonth. That would cover gas and pay my mortgage, pay my bills. This happened right after we agreed to. We're going to pay our mortgage. And so I land this deal with Best Buy. And two nights a week I'd be out. Brandy would come with me. Sometimes, daughter in the car seat, we pick up cigarette butts, diapers, empty the trash, pick gum off the sidewalk, you name it. And do. We did that for probably about a year and a half just to kind of get things going and, you know, to not jump too far ahead. You know, that. That turned into like a 30 grand a month relationship. Cutting all the grass, plowing all the snow, and it turned into a hu. Unbelievable relationship. And, you know, dude, but like, I paid myself 52 grand a year for probably three to four years. Like, I just was so thankful to just have that little bit of money that we like. That was good. It was good enough. It was good enough. And, you know, we ended up losing the contract. They, you know, they. That all went away. But, you know, to. To bring it back to how God played a role in the journey. Jenna, dude, our business today, we have millions of dollars in credit lines. Millions. Like, I mean, literally. We took delivery, as we're recording this, we took delivery of four trucks today, $230,000 for these four new trucks. I didn't pay cash for those. Had we not paid our mortgage, had Jenna not told me to not do that, to go back to spring of 2012, we landed a condominium complex in Fenton, not far from where good old Birds Beware. Right around the corner from Birds Beware, nice little complex called Whisperwood right around the corner. He probably washed the windows. In Whisperwood, we land that contract. Way out of our league, dude. Way out of our league. It's hilly. You need all these special walk behind mowers to do it. I sold the Contract. We had no money to buy this stuff to do it, but I convinced that customer that we were the poop, that we needed toilet paper. We can handle your account. And so I took. I remember going into the credit union and trying to get a business loan to buy a couple mowers, and they wouldn't even look at me. The guy's name was Elmond Elman. If you ever listen to this podcast, Elman would never. But Elman, after about six times of like begging, sending an email begging, Elman calls me and he says, sam, we pulled your, we pulled your personal credit. I know you have no business credit. We pulled your personal credit and you have like an eight something credit score. He said, I talked to our underwriters and we're going to take a chance with you, get goosebumps again. Had we not paid the mortgage, had Jenna not said, sam, don't, you know, not pay your mortgage, we never would have got that first loan. We never. I mean, who we. We would not be where we're at today if it wasn't for that. So when I talk about faith in my business, all these dots, dude, like, looking forward, sometimes faith in our business doesn't make sense. But when you, when you're living the life where you're at and you connect the dots backwards, you're like, wow, had that not happened. Well, had that not happened. And we do some business with a couple higher ups from Starbucks now, and some of them know Miss Jenna. And I always tell them like, hey, do you ever see Jenna anymore? And they're like, yeah, I run into every now and then. I said, well, if you ever do, just tell her. Sam said, thank you. And they're like, for what? And I said, she'll. She'll know. She'll know what, she'll know what she did. And she, I mean, who knows if she even remembers the name Atlas Outdoor, who knows? But when you talk about, you know, honoring God and connecting all those dots and fast forward to today as we talked about, I mean, like, our, our business has ran. I'm actually doing a talk in October about how to honor God in your business without offending your employees and your customers to get to tell that story on a national stage. I'm actually a little nervous. I will be brutally honest. I've talked to thousands of people. I'm a little scared for that one. But I'm like, God will give me the words to speak. But yeah, I mean, like, so, you know, to, to see how everything unfolded, how all those times, you know, 14 years I've never had to tell my employees to hold their paychecks. We've gotten really close, Very, very close. But the more we leaned in, the more, I mean I could, I could tell stories about how I used to take cash. That was my owner's perk. And we used to have cash flow problems all the time. Quit taking cash because a mentor of mine said, sam, it's not your money, it's God's money. And you're stealing when you take. It's your business, but that's not your money, it's God's money. And I was so like as a whole story we could talk about just that. But ironically our cash flow issues started to not be as bad. And not saying I was taking hundreds of thousands of dollars, but God's like, if I can trust you, if you're not going to be faithful with the little I'm about to give you this abundance that you're seeking. And the more and more we've been faithful, the more and more we give, the more and more we get. And so there you go.