Episode summary: Ryan is a licensed financial advisor and owner of RFinances. As a U.S. Army Veteran, Ryan and his team continue to serve by partnering with businesses, churches, and community groups to host workshops to teach people the basics of money.
They also provide 1 on 1 financial coaching to help people build a simple-to-follow financial plan that fits their life. Ryan is the author of “Money Basics and Fundamentals (Build A Plan That Fits Your Life!)” and host of the “Say Hi to Money” podcast.
EPISODE TRANSCRIPTION
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[Music]
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hello and welcome to the mindset and self-mastery show i’m your host nick
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mcgowan and on this show my guests and i unpack the stories that shape us and the lives that we lead on our path to
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self-mastery today on the show we have ryan daniels ryan is a licensed financial advisor and owner of our
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finances he’s also a u.s army veteran and he and his team continue to serve by partnering with businesses churches and
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community groups to host workshops to teach people the basics of money they also provide one-on-one financial
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coaching to help people build a simple to follow financial plan that fits their life and ryan’s also the author of money
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basics and fundamentals build a plan that fits your life he also hosts the say hi to money podcast so let’s not
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wait any longer let the games begin
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hey ryan welcome to the show man how you doing doing great thanks for having me absolutely i appreciate you jumping on i
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know we uh we’d connected through actually another podcast guest uh rich who was on i think he was
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episode four or five or something it seems like it was a while ago but he had connected us through a
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networking that he had put together and uh i know we had a conversation a couple weeks ago it was great chatting with you
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so i’m excited that we’re able to do this uh you also have your own show right i do it’s called the say hi to
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money show so well i’m sure we’ll dive more into that as why i call it that but
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yeah i’m looking forward to our conversation today man i appreciate that so wait why don’t you start us off tell us what you do for a living and one
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thing that most people don’t know about you sure so i’m a licensed financial advisor
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but i prefer the term coach and the reason for that is you’re never gonna find me in a suit and tie in a
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stuffy office and certainly not going to be trying to impress you with charts and graphs and a whole bunch of complicated
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language because let’s face it everybody’s busy the last time last thing they have time for is to sit down
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in the stuffy office and be overwhelmed by all that jargon so what i like to do
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is meet people where they’re at so i enjoy partnering with businesses churches
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community groups that are willing to host events where people can come and learn everything they should have
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learned in high school because let me ask you this nick so um what did you learn about money in school
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um specifically from school or yeah outside of school my extracurricular activities
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yeah like your formal education how many classes did you take that was kind of my answer i mean they taught us nothing
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when it comes to money in school i’d even go i remember getting out of school getting credit cards and stuff like that
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and getting in the debt and being like man why why didn’t i learn about any of this stuff in school
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and everybody i was with at the time that was in the same spot they’re like yeah why didn’t we yeah absolutely
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because that’s the answer i get from everybody and the flip side to that coin is how often do we use money well just
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about every day if you’re buying a cup of coffee or you’re buying a house money’s involved so
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i believe if people know better they can do better and what i’m excited about being on your show today is when it
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comes to money a lot of it is we have to start with your mindset what do you believe about money what were you shown
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growing up because what we think about is what we bring about and i’m sure you know that’s a cliche we’ve all heard before but it’s true it’s totally true
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uh so you didn’t tell us the one thing that most people don’t know about you oh yeah so i would say the one thing people
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don’t know about me is i really enjoy three things carpentry so i’ve actually
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built all of my kids furniture i enjoy hunting and fishing so anytime i
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can get you know working with my hands or be outdoors that’s where you’ll find me so
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that’s that’s really my dream and what drives me is i want to be in a position
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one day where i can walk out my back door own about 400 acres or more and just be
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in my own paradise right people want to go on vacation i want where i live to be a vacation now i know you’re in
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pennsylvania so do you see that happening in pa or is that more like a wyoming thing or something
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well i don’t like to set limits so i think it would be cool to have your primary home right i still want to
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always continue serving people through the business because it’s so rewarding uh but then have those escapes right you
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could have a like a mountain house here uh it’d be awesome to own like a ranch out west somewhere you know different
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types of hunting that way so yeah that’s what that’s what drives me yeah that’s cool so
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tell us how did you get into uh finances yeah so after high school um i guess
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people don’t know this either is growing up i was passionate about music and nick
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i believe you were a musician as well but from the time i was five years old
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is when i first started music played the piano at first seventh grade or fourth grade rolled
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around i picked up the saxophone and then ninth grade i picked up the clarinet just to open up more
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opportunities with different groups long story short went to college majored in
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performance on clarinet joined the army i always wanted to be in the army
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originally i wanted to be a para rescue jumper with the air force but you got to be a strong swimmer to do
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that and that’s not really in my wheelhouse so i enlisted served nine years in the
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army bands that was pretty cool got to travel the world was in alaska for three
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years uh south korea virginia japan just for a couple weeks so that
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was pretty exciting but once we started a family i was ready for something different i want a little more stability
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uh you know the army calls you 10 o’clock at night and says it be in tomorrow at 5 that’s where you go so
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i want a little more predictability so i went back to school i worked on my mba
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and that’s when it really solidified the decision that i wanted to still serve people in a meaningful way and that just
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happened to be a good fit with teaching people about money because of what we talked about earlier so i am licensed as
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a financial advisor can help people with you know investments insurance the whole nine but really what i get motivated
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about is educating people so they feel confident in what they’re doing so that’s how i got started
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under the mentorship of a financial advisor in virginia i worked part-time until i got out of the military and i’ve
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had my own business now for a little over five years so all of the business
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sounds like it would be fun but potentially not as fun as playing in bands all over the world in the army but
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i could only imagine that you had to manage your mindset pretty tightly because i i’ve never been to the army
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but i could almost picture a drill sergeant yelling at you to play a b-flat
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or whatever yeah i you already know right musicians are
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usually a pretty cool bunch of people so some of those stereotypes of the army
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were a little bit more subdued i mean i did pursue other training that was something that attracted me about a
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career in the army was i was i didn’t just have to do music there were opportunities to do other
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things so i i love shooting i go to the range as much as i can so that’s something i really took a
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knack for in the army was they always put me in charge of planning the ranges and running the ranges
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but as far as mindset goes uh one of the toughest experiences was doing the
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mountaineering course when i was in alaska it’s actually considered one of the hardest
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courses and training you can do in the army and in all honesty the first time i did
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it i actually failed i didn’t pass and they structured it in a way where
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it’s a two-week course you go through the first week and then a few days in the second week because they need
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everybody there to do the team obstacles so like you’re lowering equipment down the side of a mountain
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you’re having to cross a ravine like you’re hanging from a rope and you know going across doing all these things
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it’s not until like mid-week of the second where you do your final testing
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and if you pass all of that then you get the opportunity to go for two or three days and spend it out on a glacier so i
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mean that’s pretty cool but what happens is i failed the initial testing so i had to wait till week one
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and a half to retest and i missed the smallest detail like i did the knot correctly but i
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forgot to put an overhand knot to secure it at the end that little detail
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made me fail the class so as far as mindset right i i was fortunate i was raised in a family of
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a strong work ethic you’re persistent you don’t quit it’s just not acceptable right so that was ingrained in me
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and i think that’s why i enjoyed the military with that that no quit uh this you know
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team team environment so with that i had one of two options i could be like well i made it most of the
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way through that was a cool experience but i went back the next year and then
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and then completed the course but i think all that has to do with mindset it’s it’s too easy to give up on
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anything in life right whether you’re trying to lose weight whether you’re trying to grow a business
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you’re gonna have challenges so if you if you know that going into it
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then you can already mentally prepare yourself of i’m going to keep going because it’s you already know it’s going to happen
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and that’s got to be tough to to get almost there and then have it pulled out from under
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you and have to wait an entire year i i’ll be honest what comes to mind right
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now is not army but completely basketball chris paul from the phoenix suns
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everybody’s kind of butchering him because he has to wait a whole another year to be able to see if he can come back and
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they can do something i thought about his mindset and what he must be going through and now obviously that you’re
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here talk to us about what that was like going through that entire year knowing that you’re working back toward this
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thing you could be in the exact same spot where you fail all over again so how did you manage that throughout those
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365 days yeah so a few things one uh obviously i
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messed up right so i accepted responsibility of this was the given task and i did not complete it too
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standard so what did i have to do with that well i had to own it and then the second thing is i had to
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fix what i screwed up so i sought counsel of somebody else in my unit that
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completed the course previously and i got them to work with me on that skill set so i wouldn’t mess it up the
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next time so throughout that year it was kind of spot checking of reviewing some of the skills so it would stay fresh
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that you know i wouldn’t lose all the information i already learned the second one
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is i had to recognize it wasn’t a guarantee that i would even get the opportunity to try again
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so there’s only so many slots available for that course uh and on an aside i always wanted to do
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the uh airborne school so you know be able to jump out of airplanes but again there’s only so many slots so i i would
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apply year after year i think i applied like four or five times and never got a slot
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so i mean it just wasn’t meant to be in that in that regard but as far as the mountaineering course
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i i just made sure that my training sergeant knew i want to go back so when
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you see that those slots open up submit my application like i want to go
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and so that just that persistency of speaking it into existence like hey i
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want to do this i got to complete this but then also doing something about it like taking the action
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uh you know you and i shared uh some books that we’ve been reading and different things like that
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uh one of my mentor he told me knowledge is great but only applied knowledge
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will solve anything or change anything so that always stood with me of every time
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i read a book of okay what did i learn now how can i apply it like come up with a couple
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action steps so i hope that answered your question it really was just mindset of hey i’m going
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to pursue this but i’m also going to work on my skill set in the meantime so that i have the best chance possible to
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complete the course when the opportunity is given to me yeah it makes total sense
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especially like you mentioned with the book being able to figure out what are the things i can take away from the book i know there
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are books that i’ve read multiple times where different things will pop out at different times uh
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the book that comes to mind the most is kind of obvious it’s the bible you know that’s one of those books where you
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might read a verse at one point and you’re like god i have no idea what you’re talking about and then you read it six or seven years
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later and you’re like oh my god you can just hear it be spoken to you then there are little nuggets of wisdom that pop
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out in other books but you’re right being able to put those things in action is the thing to be able
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to do some people have a very hard time figuring out how do i take what i just learned and put into action but i think
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we need to be mindful that you don’t have to immediately put it into action it’s not like you stand up go oh i’m
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halfway through this page let me go do this thing but it’s being able to simmer on that a little bit and how do you take
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the things that you’ve learned from books and be able to put them into practice do you kind of go through and
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note them a bit or do you kind of let them sit back in your mind and kind of seep in
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uh so combination of that while i’m reading i always have a highlighter tucked beyond my ear and then i also
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have a pen because if uh you know you’re going to highlight a lot more like what’s standing out to you but if
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something really speaks to you or it’s an action item i’ll put like a star next to it
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and and so the the best example i can give you of books that i’ve just completely devoured uh in the process of
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building my business is the e-myth one page marketing plan
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and then there’s a a couple other ones of building a story brand by donald miller and his marketing made simple
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those are gold for anybody looking to build a business or even if you’re starting an organization
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you could even be a non-profit and you’re trying to attract people you’re getting your message out there i highly recommend those books but like you were
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talking about when you read it later right when i’m at a different stage in the business i’ll go back and re-read
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those and actually just pull them out uh on friday uh work because i was working on a
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pop-up for my website i was like what can i give away as a lead generator right because
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that’s what a business thrives on is if you don’t have anybody to talk to you’re going out of business
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so i would say starting with highlighting things that you’re learning in the process using a pen
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take little pieces of paper and write ideas on shove it into the page where you got that from
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and then i always carve out in my schedule at least an hour a week where it’s
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solely focused on marketing or applying what i’m learning
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so you know i glean everything from my morning and evening readings and then i take that information of okay
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how can i apply this the next week you know if it’s a very specific
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personal development book like i know you’re reading atomic habits right now that one you probably can apply
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something the next day after you’re done right because he gives you so many specific tips that you don’t
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have to have drastic changes just something really small and it makes the world of difference oh yeah
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that and i’m halfway through the book and it’s basically yellow it’s just covered in highlighter
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because i’m the same way i don’t have it behind my ear but i always have a total nerd moment here but i’ve got um
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pens and pencils and stuff next to my desk and earlier today i was going through my highlighters and i was like
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oh i’m going to take some of these out and my my brain i was like i’m going to put them around the house
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so that when i have the books that are also around the house i can grab them and i got so excited about it i was like
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this is so great i’m going to be able to just color it up because that is a crucial thing to be able to actually go back through i mean
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think about how many times you’ve just picked up a book as you’ve walked past it and you go oh you’re just thumbing through it and that yellow bit or the
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orange or whatever pops out to you and you’re like oh yeah i remember that thing that’s cool
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well that’s also why i don’t particularly like borrowing books from people i might borrow it just to skim it
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but if i’m actually going to read it i go and buy my own copy so i can you know highlight it all up and right all over
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it i’m starting to get to the point where i’m starting to buy a couple books at a time
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where like i’ll buy atomic habits and i’ll buy two or three of them so i can send one out
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um some of my friends and family live a bit of a ways away so i’ve stopped doing that with some books where i’ll just i
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know i’m going to send it to you but i’ll just drop ship it with amazon or whatever um but those really good ones
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when it starts to speak to you and you want to talk to somebody else about it that means it’s doing something for you
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so let’s actually take a little bit of a step back you’ve touched on your uh on your upbringing a little bit just that
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it was a prime to be able to lead you into the military but are there any major moments or
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episodes that have happened in life that you can look at and you say you know what that was one of those moments in life that absolutely changed me
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yeah i i think as far as how i feel the upbringing is helping me in my endeavors
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now one of them was just a constant reinforcement from my parents and especially my
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grandfather uh he was one of those uh think think of your
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your old school you know uh grandfather with you know conservative values just
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he instilled you know you you hold the door for for women to walk through like you get the point there
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but the inspiration for the book i wrote about money was a phrase he always used of basics and fundamentals so growing up
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playing baseball uh yeah i love the atlanta brave so if i showed him like hey watch this wind up i
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saw so and so doing he like smack me upside the head and say basics and fundamentals so in other words too you
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can do all the basics like perfect yeah don’t worry about all
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the the flare right and i think too quickly we try to embrace all that so fast forward a little bit when i really
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got passionate about music i think school became a hindrance on
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that a little bit because i was not interested in science i was not interested in math and any of that stuff because it
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was taking time away from my passion of music yeah so uh i’m if there’s any kids
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listening cover your ears but it what i would do by the time i got to high school i would go around to all of my
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teachers and request permission to go to sectionals right so like the little
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small group band practice things they didn’t know whether i had it or not but what i did is i locked myself in the
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practice room for like six hours because i could work on my craft to pursue the
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passion i had which was to be a professional musician so
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but that started even before that i mean middle school i i was busy i had activities in the
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evening like boy scouts and all these different things and you know as a musician it’s
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competitive right your skill set has to be super high and again you pursue something with no
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guarantee that it’s ever going to work out that you’ll ever get your big break but you got to try it so what i did is
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well i don’t have that much time in the evening so i would wake up at like five o’clock in the morning to
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practice before i would go to school and it’s just that was reinforced from my parents and
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grandparents of like don’t do things half-assed right if you’re going to do it do it
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otherwise you’re just going to give excuses and mediocrity in my opinion is no way to live oh my gosh
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yeah totally i i think there’s a battle of mediocrity where we as humans and
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specifically men have to battle mediocrity throughout the day where it’s just so easy to just i
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don’t want to do it it you know whatever and you lean back on something or what have you but i think that always
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opens up the door there’s something behind it because if you really wanted to go do something guess what you’d do that you would go do it you’d go figure
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out a way to be able to go do it like you had done even as a kid so i i appreciate that you were doing
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that as a kid i i was an art kid in high school so i would kind of do the same thing just
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with like art class where i’d be like hey i got a project in art maybe whatever and i would just go down or i
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would leave or whatever i was gonna do um but it’s interesting like let’s talk about the the high school thing and with
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music because you ended up getting into the military or army and playing music i remember sitting in the counselor’s
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office and them telling me well as a musician or an art kid we can get you into art institute or berkeley but
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you’re not going to make any money so what do you want to do and i stopped listening at that point in fact i was
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like i’m done and i think senior year was basically like two major classes and the rest was
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nothing so to have that sort of scenario where they were like you’re not going to make any
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money you’re not going to do anything it’s a different story because here we both are you’re a financial advisor a
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podcast host sales and a coach obviously we didn’t hit our rockstar dreams but things worked out the way they needed to
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work out so you’ve got some kids now how old are your kids so my oldest is six she’ll be seven uh
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in the summer my middle is four years old and the youngest is 18 months
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so you’ve got some time until they’re in middle school to be in the same spot that you are or that you were rather to
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be able to kind of work through that stuff but now that you’re in that spot and you get to be dad and you get to
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pass this stuff along uh how do you see what you’ve learned growing up that you’re going to be able
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to transfer over to your kids well definitely the uh the work ethic and one thing we do not tolerate in our
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house is excuses so you it’s okay to make mistakes but you need to own it right so as soon as i
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hear the words like uh but or they’re you know that’s always followed by an excuse i was like ah
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who’s responsible for that so even at four years old and six years old they can say i am okay so how are you
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gonna fix this but that but that all starts with that that’s a reflection of those roots
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that were instilled in me of uh you know from a parenting perspective my dad he started a side business
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of uh cutting grass but the reason for that was that would be the money
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that would allow me and my siblings to do the extra things like music lessons
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and my brother was good at football and you did all kinds of different things
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but i saw how hard he worked but then the key here’s here’s the key i think for parents is
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you you always hear about these like snotty teenagers that don’t appreciate anything i think a lot of that is
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because they they weren’t told or they don’t have the perspective so from a
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financial advisor standpoint what i teach parents on a coaching level is if you ever hear your teenagers complain
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like when you’re on a vacation put it in perspective do you know that your dad had to work
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two and a half weeks so that we could be on vacation right now right like those little things of oh i
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never thought about that maybe i will be a little bit more grateful so so really i think back to what you
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said too of especially men uh they’re just like yeah i want to do that but
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forget about it that one you haven’t found your passion or two
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if you don’t motivate yourself find something in your life that does motivate you you’ve heard it in all your
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reading right you got to have a why and so for me one how selfish would it be and two
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what kind of man would i be if i didn’t be the model for my three daughters that
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anything’s possible right so if i put a goal out you gotta speak it and then you gotta have people hold you
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accountable so not only does my mentor hold me accountable but because i told my kids and my wife what i’m going to do
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you gosh darn better do it right integrity is a big deal and it’s just really really cool to see
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them at such a young age already dreaming about hey we could do a business like this hey we could do this
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or that but it but it doesn’t it has to be that positive environment that you’re
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creating but reinforcing it with your own actions so i i’m not perfect by any
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means you know i i don’t hit my goals all the time i obviously uh
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slip up you you’re nobody has a solid mindset so you go through a couple days of you’re down in the dumps about oh i
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didn’t hit my goal last week or whatever it is but you have to have something to remind you of what
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you’re fighting for and get back on the horse and you’ll be that example
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yeah it’s uh it’s interesting so i don’t have any kids but i’ve
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been around little kids before and i know little kids are usually unfiltered so if you tell them hey i’m gonna do
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this thing that four or six year old might go daddy where did where is this you said you were going to do this
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and to have that i would imagine you’re like i don’t want to be in that sort of spot we’ve got to make sure that we’re
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doing these things the right way and that’s cool that your kids are already starting to do that sort of stuff i’m
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sure that also you know probably a little pat on back for you and your wife to say hey we’re doing some good things
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here yeah and uh you know this show’s about your mindset
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and self mastery so if you pick up any book to get started on these topics
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you’re going to hear some common themes one of them you’ve probably all heard of a vision board right
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that’s not just for you you can make that a family activity so
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we we actually took our one wall in the dining room and we each have a frame so our personal
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vision board but then we have a vision board for uh family goals as well as
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business goals so it’s like a collage on our dining room wall
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and then uh it’s just something we can all look at when we’re eating dinner together and kind of be like hey
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you did this that’s awesome you’ve already reached one of your goals this month that positive reinforcement goes a
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long way uh for sure because it’s counter to think about your how you felt when that
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counselor said you’re not going to make any money as a musician right all the air went out i was like right
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okay yeah so a parent’s job i think is to
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um you know reinforce the what do you call that a self-esteem
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self-esteem i think is really lacking in the world today um and a lot of it
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i believe comes from like a victim mindset uh where instead if you
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empower yourself through the self to and you know that you’re responsible i think that’s the difference if you accept 100
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responsibility for your life game changer right because then you know
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you have the control to do whatever you want it starts with a decision and then the
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action that follows and you don’t have to have all the answers what’s great is you know there’s people like yourself
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nick that have podcasts to talk about you bring people on to share experiences
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so you you don’t have to be born a master nobody is but there’s teachers and mentors everywhere you know
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if you just pick up a book norman vincent peale he can be your mentor you pick up any of these things
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and that’s going to get you to where you want to be that’s a good point uh and thank you for the nod to the podcast i always
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appreciate that but i i think the the day and time that we live in now with the amount of
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information that’s out there social media and everything that’s going on in some ways can be too much information
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for people because we can see people that are doing things social media is kind of a
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an evil in some ways but it’s primarily bringing out the stuff in us because we see people that are doing
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great things but you really didn’t see all the bs that went behind whatever that great thing was
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um and i’m hoping that more of this comes up like you’re saying where you’re able to listen to podcasts you’re able
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to go look for things but it takes somebody taking that action to either pull up a podcast or start to google
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something to look for help so i want to get into some of the deep work because when people talk about
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doing some of the work throughout the days i know people listen to this show they look for little nuggets of wisdom
29:53
what are things that i can take away from this that i can add into something i’m already doing now you touched on
29:58
your reading in the morning and reading at night sounds like we’re probably akin to that where we have morning and evening routines but wanna tell us a
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little bit about what your routines look like to be able to share some of that wisdom sure so i usually wake up about six in
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the morning i do some exercise grab my cup of coffee afterwards and
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that’s when i do my little there’s a great book you guys can read called miracle morning that’ll help you
30:25
it’s quick read but that’ll help you what uh explain what nick and i are talking about of everybody’s is
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different your morning’s gonna be different than ours probably a little bit but that book will coach you through how
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to build your morning routine and so i get my cup of coffee i’ll start off reading a devotional
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and then i’ll pick up whatever book i’m reading at the time usually i try to do something more on
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the mindset or you know habit building anything like that in the morning
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in the afternoon or evening is when i’ll read something business specific so find
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out new ideas of how i can market better communication like how can how can i be
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a better presenter so a great book i reading recently is talk like ted
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so that’s actually by a researcher he examined all of the top ted talks and
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what is it about them that made them go viral and he breaks it down and it was affirmation for me that
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my style doesn’t have to be like somebody else’s style you can be great
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in your um persona right so uh
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some people were successful with a whole bunch of powerpoint slides other people they just had a title up and talked but
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they went viral as well so there is no right or wrong way to do things and i think that’s one of the first things
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you need to embrace and recognize is your journey is not going to be my journey your journey is not going to be
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nick’s journey and speaking of social media yes uh
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social media is like snapshots of people’s life so i always love this phrase
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compete don’t compare right so if you it’s great if there’s somebody in your same industry or you’re
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like a a competitor in with your business don’t come i’m not going to compare my
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business to somebody another financial advisor’s business i’m going to compete with them because
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you know deep down i believe i can help people a thousand times better than anybody else but that’s because i know
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my heart’s in the right place to do that and i want to make sure that person’s taken care of but let’s say that they’re making more
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money than i am i’m not going to feel bad about that and matter of fact i want to congratulate them right success
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leaves clues so now i can look at what are they doing is there something i’m missing maybe they’re communicating better
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maybe they learn something or offering something that i’m not and that’s why those people are going
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there but if i looked at that and got defeated and was like man this just isn’t going to work then
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what do i do do i quit quit my job and and go do you know move widgets around
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like what what am i going to do what that would show is the exact opposite again back to man up about it
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right accept that learn from it and then be the example for my kids of overcoming
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those obstacles because like you said it’s social media
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it looks like an overnight success but that’s years in the making you don’t see the
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sitting there at night all all defeated uh you know you didn’t make any money this week like what are we gonna do
33:42
do i have to put it on a credit card like the entrepreneurial roller coaster especially is true right the ups and
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just when you think you got it going boom like it drops out from underneath you but it’s that it’s the mindset that
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gets you through your goals have to be bigger than your inconveniences
34:02
that’s a good point before we hit record you and i were talking a bit even to the point where i was like we just better
34:07
hit record now so we don’t keep talking about these things but you brought up kind of the level system you want to go
34:12
into that a little bit yeah great point so uh i learned this from a conference i attended the speaker
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there he said that problems are relative to the level that
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you’re at as a person so if you he used a scale from one to ten
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so if you’re a level four person and you have a level three problem hit you that’s
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going to be a pretty big deal but let’s say that you continue to personally develop your
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speaking affirmations all the time you you don’t let the the little inconveniences bother you like you keep
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it in perspective now you develop to a level eight person that same level three problem
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is like a blip in the radar it’s gonna be not even a big deal at all to you right
35:03
so i think that’s important because i can’t remember if it’s the average person only reads two books
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after high school like total or if it’s only two books per year i know you’re
35:15
looking like man i read like probably two at least two books a month right yeah but the point behind that is
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yes i think in high school a lot of us when you’re told to read catcher in the rye or these types of things it might
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not motivate you but if you’re like hey i have a clear vision a clear goal
35:33
of the type of person the type of life i want to have and you see who has that already
35:40
okay now what qualities about them make them able to have that lifestyle
35:45
and then you find the books resources conferences you can attend youtube videos podcasts to listen to that will
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help you develop into that person now it’s enjoyable right if it’s a requirement
35:59
to read ex whatever book right you’re probably not going to be motivated to do it but
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if you’re motivated by the the end prize then that’s a little bit more motivating to
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wake up in the morning read a book and become the person that you need to be to have what those people have
36:18
success is not limited same with money right there’s an abundance of money
36:23
so this whole like the rich or greedy we should give it to everybody out no the the people that started companies
36:30
they sacrificed a lot if you if you read their biographies you know they they slept in their office they
36:37
slept in uh started out of a garage they had their parents give their whole life
36:42
savings on the hope that it might work out so they risked it all
36:48
but it’s because their dream was so big so i really just encourage people no matter where you’re at
36:54
if you are a number three that’s not a slight against you that just means you have
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you know seven numbers to go to be the person that you want to be and maybe we never maybe we never become a
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ten but what if you became went from a three to a four now life becomes a lot easier right
37:12
there’s a little somebody cut you off on on the road or uh you go to buy something at the store
37:19
and they’re all sold out that doesn’t ruin your day it’s like oh okay well yeah maybe i can get something different
37:24
it does you grow as a person um so i like that analogy the one to ten
37:30
keep it in perspective i like that too it’s not uh in some ways life is like a video game in other ways
37:36
it is not like a video game when you don’t finish a level you collect all the points and then you pause you go to the
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bathroom grab a drink come back and on to the next level that’s not how this stuff works so you can’t really see when
37:48
you’re at a different level all the time unless it’s a drastic jump like if somebody goes from a two to a six
37:54
that’s a big big jump most everybody will see something like that but for those people to be able to see it it’s
38:00
those little moments i actually had a moment that happened recently with a podcast i had a great episode with
38:06
somebody and it failed the recording failed
38:12
and the teenager within me started to lose his just go crazy and just
38:19
instantly like i can’t believe it and within seconds all of this like fumed up and i went
38:25
wait a minute i actually jumped i stood up stepped away walked outside for a minute came back and was totally good
38:31
but i realized that that point up is at a much different level than i had been years ago but it took years to get to
38:38
that point do you have things that are similar in that sense where like you can see things that happen you go oh old me would have
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freaked out yeah i i think so i think my personality
38:49
by nature is i’m pretty introverted pretty pretty chill my wife jokes when uh
38:55
she talks to people and says yeah ryan’s excitement like when we got married it was like
39:01
cool you know we’re having a baby well calm down ryan yeah okay exactly
39:07
uh so you know my band of emotion i guess is pretty pretty
39:12
small i do enjoy meaningful conversations like you know i’m enjoying what we’re doing
39:18
right now but just as far as a scale i think it’s pretty small to begin with
39:23
but absolutely uh frustration is something you need to tame right you gotta you gotta get it
39:29
back in the jar because nothing good comes from that and that’s a lesson we’re really trying to get our
39:35
six-year-old to understand right now is when she gets so worked up about something she can’t think of a solution
39:42
so it’s just calm down right so any parents out there a book i’ll recommend to you is called
39:48
raising lions best book on parenting i’ve ever read i don’t know what your style is to
39:54
parenting currently but it has puts release so much stress in the entire
39:59
household because you don’t let their emotions take over your emotions
40:04
right there you have to be the the guide for so i i won’t spoil the whole book but his basic concept is you have to
40:12
remain emotional like show no emotion when they do something that you don’t approve of
40:18
or they’re out of control like have lost it you simply just say break
40:23
and they’ll be conditioned to go sit on their bench or sit right where they’re at for like a minute that’s it
40:30
it gives them time to accept what they did and then afterwards there’s no explanation they know what
40:36
they did and now they can come at it level headed and solve the problems that works wonders uh the key with it though just
40:43
like any personal event is consistency so whenever we hit a lull of
40:49
man what is going on around here like the kids is it a full moon like what’s up uh it’s because of us right so parent if
40:57
you don’t like what your kids are doing it’s a mirror that’s how your act you’ve let your emotions get out of check your your
41:02
demeanor out of check uh so yeah i recommend that book raising lions has been a game changer
41:09
for my wife and i and we listened to it on the way home from a conference i had downloaded it on
41:14
audible so another tip for you guys turn your car into a classroom forget
41:20
the radio turn on auto audio book turn on a podcast because that’s your chance
41:25
to use your time wisely so you can do one of three things waste your time
41:31
spend your time that’s what most people do or you can invest your time so you can invest your time and becoming
41:37
the person you need to be to have the life that you want you can invest your time improving your skill set
41:44
right or you can invest your time pursuing through action whatever it is you’re trying to do
41:50
but most people because they’re not inspired like your audience here right to
41:55
to dream and go after something is most people will waste their time or spend their time i think there’s that balance
42:03
where people need to just waste time sometimes just get away and just sit and veg watch some tv do something that’s
42:10
not work or what have you but there’s also being mindful of the time so like your buckets of time where
42:17
you invest and what you’re investing in i know there are certain people that will wake up and they’ll be like oh man
42:22
i got to get right into this thing because they’re not managing their time properly to allow themselves to have time to set
42:28
themselves up right and then by the end of the day they’re just stressed and freaking out because they didn’t set
42:33
themselves up properly you and i both know that because we’ve done it before you know like you have those mornings
42:38
you’re like ah screw it i’m not gonna do this thing halfway through your day you’re like oh i probably should have done all that in
42:44
the morning because you know how it primes you and kind of gets you moving through the day and uh to to help people
42:50
with that uh i would recommend they take a piece of paper like a just a regular notebook paper
42:56
right at the top 168 because there’s 168 hours in the week
43:02
and then just go through what you do so if you sleep you know however many hours a night times seven write that number
43:09
down uh how long do you eat per day right maybe a half hour for lunch half hour
43:14
for breakfast hour for dinner so that’s two hours a day seven days that’s 14 hours minus 14. just go down through all
43:21
of that and most people’s mind is blown how much time’s left over yeah so there’s i mean
43:28
if you do want to watch tv or something and you think you only do it an hour a day then right now minus seven
43:35
but when you see 36 hours left at the end where do you think that money’s going do
43:41
you think it’s going to invest in your time no it’s going to wasting time right so that that’s how you can transfer that
43:49
awareness into okay well let me let me start like a block calendar from this time to this
43:54
time i’m going to be intentional with my time if you like video games if you like
44:00
woodworking and if you like hunting doing anything put it in your schedule because if you put it in there from i’m
44:05
going to do this from 7 p.m to 8 p.m or 10 10 a.m on saturday to 1 p.m on
44:12
saturday then that then you have it planned out because otherwise if you just start
44:17
doing it on saturday morning next thing you know it’s 6 p.m and and you never got anything else done
44:23
so uh yeah i agree with you you gotta have fun it’s it’s a balance in life of
44:29
you know pursuing things you’re passionate about but taking time to what do they say what they say uh smell
44:34
the roses right like enjoy the moment as well because some some of your biggest memories are gonna come from
44:41
just hanging out in the driveway playing with chalk with your kids or something like that so you gotta you gotta make time
44:47
for that as well can’t always be business and again don’t don’t compare yourself to
44:52
others that look like that’s all they do so yeah because that’s not all they do that is not all they do
44:58
everybody’s human in some ways such as we only see the things ryan you’ve you’ve dropped a lot on us
45:05
uh i think we’re probably gonna need a list of all the books that you’ve given us in this podcast episode as well um
45:12
but is there one piece of advice you’d give somebody on their path towards self mastery yeah i i think it’s
45:19
be uh have grace with yourself right you you can’t change overnight
45:25
and if you move two steps forward you’re probably gonna move one step back it’s okay
45:30
but what you’ll learn over time is that you can self-correct so like you you shared nick of
45:38
uh you know the podcast didn’t record and then you had self-awareness to just
45:43
walk away for a moment right and you put it back in perspective if you miss a day like if you say i’m gonna wake up in the
45:49
morning and read uh for a half hour and you you miss a day
45:54
don’t don’t quit then and there like this doesn’t work it takes time to change no no different
46:00
than going to the gym it hurts like heck for the first few weeks because you’re building new
46:06
muscles you and you’re building a new muscle when you go down this journey of mindset and self-mastery
46:13
so it’s uh i guess the the best quote i’ll leave you with is the most successful people
46:20
in the world take the time to figure out exactly who they want to become and what they want to achieve
46:26
and then invest the rest of their hours in actions consistent with those ideals
46:32
that’s from t harv ecker so that’ll help you figure out what you want to do really
46:37
solidify that vision but then it’s an awareness of how am i using my time
46:43
and and just be great uh have have grace with yourself it’s a process
46:48
great point that’s a great millionaire mindset you got there full pun intended
46:54
so ryan thank you for being on the show uh where can people connect with you yeah so i’m on uh
47:01
i have a facebook page it’s our finances coach is the handle but you can look for our finances you can see the little r
47:08
will be the logo but the best thing to check out would be our website that’s rfinances.com so the letter r
47:16
finances.com uh and you know all of our coaching is free so if you guys have questions
47:22
don’t don’t do the ostrich effect and bury your head in the sand like reach out we’re here to help it might be as
47:28
simple as recommending a book to you it might be sitting down for a half hour on a zoom call and showing you how to do a
47:35
budget right no it’s our goal is to take you from where you’re at to where you want to be
47:40
and you do and we do that by building you a simple to follow financial plan that fits your life right because
47:46
everybody’s life’s different so nick i do appreciate your time today and having me on and i appreciate you and thank you for
47:53
wrapping us up like a good old podcast host and trying to get to it before i did you’re the man i appreciate you being on
48:00
um and i look forward to being on your show too and thanks everyone awesome
48:05
[Music]
48:12
another great conversation on today’s episode of the mindset and self-mastery
48:17
show when we think of things we should have learned in school yeah i’m sure we can all agree finances is at the top of the
48:24
list and habits and disciplines and grace are great they’re really just components to
48:30
a positive money mindset and they really won’t get you anywhere unless you know what to do with that money so
48:37
i’m glad there are people like ryan in the world who truly wear their heart on their sleeves and are doing great work
48:42
to help people in the community learn about and grow their finances so let me ask you how’s your financial
48:48
mindset did this conversation change the way you look at it or think or act towards money
48:54
i’d love to hear what you thought about the episode today in the conversation we got into and if you enjoyed the episode
49:00
please jump over to itunes subscribe rate leave a 5 star review it’ll help lots of people because remember we
49:06
didn’t learn about this stuff in school and if you really enjoyed the show go ahead and share it with a friend share
49:12
it with a colleague share with somebody you know that’s pretty rough with their finances and check out the show notes for more
49:19
info contact info for ryan and check out the other episodes on the mindset and
49:24
selfmasteryshow.com as well as our youtube channel where you can just go to youtube and type in the
49:29
mindset and self mastery show and thanks again ryan for being real for
49:35
being honest and for being vulnerable with us and for sharing some great tips and doing some great work
49:41
and i’d like to thank our sponsors the manly club and the powerhouse men brotherhood men do you consider yourself
49:48
to be a powerhouse man the criteria for becoming one is simple live with virtue and do good work
49:55
you see a powerhouse man builds his life he doesn’t settle for it he attacks mediocrity at the root and that’s
50:01
exactly what we do in the powerhouse men brotherhood you can visit the manlyclub.com for more details
50:09
and thank you to you yes you thank you for hanging out with us today for being here for these shows really really
50:14
appreciate it hope you’re getting something out of it i’m sure as hell no i am and with that remember your mindset
50:20
matters and so do you [Music]
50:30
you
