Fail Forward: Baseball Lessons, Money Mindset & Purpose-Driven Wealth with Matt Morizio

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nonsense and it was my fault. Okay, we are live.

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Nice. We're live with this good looking young

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man, which I could say because I'm 63. So it's

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not like I'm flirting with you. Thank you. Appreciate

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that. Eminem. Eminem, my favorite candy. My favorite

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rapper too, I might say. So Matt Maurizio. I

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don't know anything about you. I know you're

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patient. I know you're kind. I know you have

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a lot of empathy. I know that you do things right,

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I can tell that about you. So we are live on

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LinkedIn, YouTube, and we are also live on Facebook

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and ChatterSocial. So hopefully everyone will

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share the room so we can bring more people in

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for questions. So you're brave, you're bold,

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I think you're brilliant, and you're darn good

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looking. So you need to tell us who you are.

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Cool. Well, I'm a... Let's see, where do I start?

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My former life, I started, I was a former professional

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baseball player. So that was my boyhood dream.

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So that's always a fun fact to lead with with

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people. Although that's such a long way away,

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it still is a really fun fact to be able to share.

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So I played with the Royals for five seasons.

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And then life really accelerated quickly. I was

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recently married in my last season. had my first

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baby while we were trying to find a place to

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live. And here I am now, seven children later

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with an eighth on the way. I live in Charleston,

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South Carolina. I've been married 15 years and

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launched my own wealth management firm a year

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and a half ago at 40 years old. So don't say

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it's ever too late to be an entrepreneur. Wait,

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is that the Kansas City Royals? Yep. You got

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it. In their minor league system. Did you ever

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get to... We have a woman on the app, Lauren

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LaPointe. and her, the, I don't know if you ever

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got a chance to meet Lauren. No. She's a granddaughter

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of Mr. Ewing. Oh, get out. Hoffman, yes. Yeah,

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that's incredible. No, I never made it to the

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big leagues. I always, I bounced around the minor

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leagues, lower levels a little bit, but. That's

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awesome. That's so exciting. I love that. I love

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that better better better better better. Okay,

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so what did it teach you? Because I when I think

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of the different when I think of baseball and

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teams I think of players and then I think of

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Contracts and then I think of contracts I think

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of salary and then I think of salary and like

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what they do and then how easy it is to lose

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that salary or You know, how do you make wealth

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when you're having to work so hard to go up to

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the other thing? So tell us all about that Yeah,

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I will tell you that it taught me a ton Less

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even about money more about life. I got to be

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honest with you like the way I respond to failure

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I can attribute a ton to my baseball playing

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days for as one example And it was one of those

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situations where in the moment in the five years.

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I was playing professionally I wasn't I wasn't

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aware of what I was learning It's more of like

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that rear view learning where I I reflected after

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my career was over I said, you know I need to

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have learned something that I can take with me

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into the rest of my life. And I kind of sat down

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and that's one of many lessons where baseball

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is a game of failure. If you fail in the batter's

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box seven out of 10 times, you're a Hall of Fame

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hitter. So it is a game of failure. You have

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to learn how to fail because that means you batted

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300 and you're one of the best hitters of all

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time. But that means you failed 70 % of your

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times at bat. And that's one example that I expect

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failure as part of the, it's a necessary ingredient

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as part of success. So now I don't look at it

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as a negative. I just think of like, good, this

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is part of the journey. It has to be. Baseball

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also taught me that you're never as good or as

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bad as you think you are. And the day is never

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as good or bad as you think it is. Learned that

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in a couple different ways. We play a hundred

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in the minor leagues 140 games in the big leagues

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162 games There's always a game tomorrow is what

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I mean by that So it doesn't really matter what

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you did yesterday or what tomorrow is gonna look

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like you have to live in the moment and then

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and then moments over and and Then the next day

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comes so even whether you hit four home runs

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You're struck out four times last night. It kind

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of doesn't matter because tomorrow's a new game

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It's never as good never as bad as you think

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it is and I have just seen in my life Especially

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in that playing career so many people just get

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replaced There's always somebody nipping at the

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heels you think about the levels of the minor

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leagues There's always somebody there and I've

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seen guys get released at 4 a .m After a road

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trip only to have a replacement at 2 p .m That

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same day in the lineup in their spot as if like

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nothing ever happened the train keeps chugging

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So I let I recognize like I'm never as good as

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I think I am. There's always somebody that's

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behind me, chasing me, and it's kind of this

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motivator for me and it keeps me humble. Okay,

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Matt, first of all, that is motivating for everyone.

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I also think that's really important for those

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that are in their 20s and 30s and think that

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they are replaceable and think that getting cocky,

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because you know I notice on Survivor, because

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don't we all get our tips from Survivor, but

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on Survivor those that are really cocky are like

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out of the game so fast like they're like one

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minute they're saying so I are you writing articles

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about this that that right there you got two

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pieces of content that are amazing and I would

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love to read that the lessons you've learned

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by playing baseball I should you know I did write

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one a while back I had a blog and I might have

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to just resurface that whole thing because it

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was a cool reflective journey for me but it ended

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up touching a lot of people that were in and

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out of the game because they're They're applicable

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life lessons, not baseball specific. So you're

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young, you make it to the minors, can I call

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it the minors then? Yeah, that's the minors.

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I'm from Connecticut, so we had a couple of different

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minors teams. So you get familiar with it because

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they are the local entertainment and it's very

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exciting to watch them go to the big ones. The

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yard goats maybe is one of them, is that right?

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Yeah. But you know, even before the Argo There

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was a Red Sox. I can't think of their name. But

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yeah, even before that we had a really great

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home team But are you offered as a young person,

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you know starting to now make money playing game?

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Are you do they have someone that is helping

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you with wealth? I'm thinking are you a wealth

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advisor? I am a wealth advisor today a financial

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advisor today. Yes, and but at the time I wasn't

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it was actually the farthest thing from me because

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In the minor leagues, the salaries are set. There's

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this players union that set the salaries for

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the entire minor leagues. And they're pretty

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low. They're better today. But when I was playing,

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I made $600 every two weeks after taxes for five

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and a half months of the season, of the year

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while the season was playing. So that anybody

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doing that math, that's sub five figures. That's

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less than $10 ,000 in a year. And I had to pick

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up off season jobs just to try to live. So for

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me, wealth was not really a thing in my life.

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But I was surrounded by some people who had abundance

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of it because there were first, second, third

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round draft picks. So when you get drafted, you

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get, if you're in high rounds, first, second,

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third rounds, you get paid a giant signing bonus.

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So that's where the big wealth comes in. You

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make it a $7 million signing bonus, but then

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go make the same $600 every two weeks as everybody

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else. So your wealth comes from your signing

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bonus. me and the majority of people who get

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drafted outside of the first three rounds, you

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don't really have a signing bonus, so you don't

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have wealth to talk about. But then to make the

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big leagues, you make money again. So the big

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league minimum is $700 ,000 or something like

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that. So you're in this middle of life there

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where you're like surrounded on either ends of

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people making a bunch of it. And for the people

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who made a lot, like they leaned on their agents

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mostly, I didn't learn about wealth. or money

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and the way the game of money works until well

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into my professional business career post baseball.

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I kind of, I learned about it then and really

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my life has transformed for the better once I

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got into wealth management. But it was really

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understanding the rules of the game that has

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really changed things for me. You know, I will

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tell you, I... It money is something that I grew

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up with. I really wasn't like understood it.

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I I think I have like a math, you know something

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like it's really hard. It was the hardest thing

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for me. Math has always been hard and also you

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know the value of it like all of that. It's interesting

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that I. Actually wasn't and maybe I was taught

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and I didn't understand it. So how much of what

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you do Do you feel is financial literacy teaching

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people and under and getting them to understand

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money a ton of it? That's a great question It's

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a ton of it especially because as a society we

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are encouraged not to speak about it You know,

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it's almost taboo to speak about even in your

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own home. You don't bring it up So what I've

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learned firsthand and I've learned through thousands

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of conversations at this point with people is

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that What happens in our lives is we basically

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inherit or adopt whatever money mindsets our

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parents had, but they weren't communicated. You

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know, with seven children, I've learned more

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is caught than taught with kids. So we kind of

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catch whatever our parents pass on to us, who's

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typically got from their parents, which if you

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do generationally, that's like a Great Depression

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era timeframe of parents. We often inherit these

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like worry, fearful, scarce mindsets around money

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and never really work to change that. Don't even

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know it really exists, quite honestly, because

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no one's ever called it out in us. So a lot of

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what I do with people is call attention to that.

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I was just having a conversation earlier today

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with a really dynamic woman who's like, she's

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a fantastic person. She lives in between these

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two mindsets of like high growth, aggressive,

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want to go all in and Super scared. I'm gonna

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lose everything and I can't and I want to bury

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my money under a mattress and she lives in this

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tension One of my favorite questions that I asked

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her is like, where's that comfort? What give

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me a money story from your childhood where you

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think that that reflect that's reflective of

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your relationship with money Because a lot of

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it comes from our childhood and whether we want

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to do the work or not is on us But we have to

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figure out like why do I behave the way I do

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around money? And I bet you'll learn, because

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I've learned through thousands of convos with

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people that so much of the fear around money

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and the worry around money is actually not money

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itself. It's fear of the unknown. We just have

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never taken the time to learn how money works,

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the strategies around investing. They aren't

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over our heads. We're taught that they are, but

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they aren't. It's just we've never taken the

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time to apply ourselves and learn. Therefore,

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our fear is fear of the unknown. It's not actually

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fear of money. I love that. Welcome, Jason. I'm

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glad you're here. We'll open for questions soon.

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Yeah, what you're saying makes a lot of sense.

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And I guess I could look back and see where my

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money issues come to. It's funny this morning,

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I actually woke up and I thought to myself, you

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know, I'm worth more than I give myself. So I

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created, like I just asked you at GBT, like,

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you know, like, give me my help me like figure

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out the value and it created something for me.

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But what is your niche market? You're younger.

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And obviously I'm thinking, my God, you could

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be really going to talk to all of those that

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are in sports, but then it's really hard for

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them because they're not making a lot of money.

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So I'm not sure if that's your good market, but

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I am curious, who do you market to? Who have

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you found your niche to be? What I've learned

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in money, because it's so personal and so sensitive,

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is that the person across the table, the proverbial

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table, like the person that I'm speaking with,

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they want to see a reflection of them in some

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way, shape or form because there's a comfort

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level there. And they don't necessarily look

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like me, but they maybe they have big families

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there. Maybe they are like driven what they feel

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like for a greater purpose. They've always had

00:12:25.409 --> 00:12:29.509
like this mindset tilt toward growth. Maybe they

00:12:29.509 --> 00:12:31.350
want to have a family one day or they were a

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former athlete or they're an entrepreneur that

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really has their head down and building something

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big. That's the type of family and the person

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I call them like purpose -driven families or

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high capacity families. Those are the types of

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people that I tend to gravitate towards and tend

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to gravitate towards me. And quite honestly,

00:12:49.500 --> 00:12:52.100
they're the ones that I serve the most effectively

00:12:52.100 --> 00:12:56.179
because it's my life. I have so many firsthand

00:12:56.179 --> 00:12:59.539
experiences of my own transformation that I can

00:12:59.539 --> 00:13:02.460
share and relate to that demographic the most.

00:13:07.170 --> 00:13:10.669
I have to like wake myself up. You're just so

00:13:10.669 --> 00:13:13.309
interesting. Did you tell me, did you give me

00:13:13.309 --> 00:13:19.190
the number eight? Eight, I have my eighth child

00:13:19.190 --> 00:13:23.889
on the way. Okay, so let's talk about that because

00:13:23.889 --> 00:13:27.970
it's 2025. First of all, do you know the stats

00:13:27.970 --> 00:13:32.610
on like the average? um household size is eight

00:13:32.610 --> 00:13:34.269
now consider because i think years ago it would

00:13:34.269 --> 00:13:36.649
have been kind of normal right is eight now consider

00:13:36.649 --> 00:13:40.330
like whoa oh you need a super duper van i do

00:13:40.330 --> 00:13:42.870
have a super duper sprinter van yeah it's us

00:13:42.870 --> 00:13:46.289
and amazon and fedex that have had this the sprinter

00:13:46.289 --> 00:13:51.009
vans this is incredible did your wife the hero

00:13:51.009 --> 00:13:55.370
have a child a year it was about every other

00:13:55.370 --> 00:13:57.809
year or a little less than that yet so we've

00:13:57.809 --> 00:14:03.059
been married 15 years Um, my oldest is 13 and

00:14:03.059 --> 00:14:04.740
we have our eighth child on the way. So there

00:14:04.740 --> 00:14:09.000
you go. So eight kids and what is 13 years? He'll

00:14:09.000 --> 00:14:10.840
be 14 actually. So it'd be eight children in

00:14:10.840 --> 00:14:13.720
14 years. Oh, you have the oldest son. I love

00:14:13.720 --> 00:14:17.299
that. So do your children say to you, you know,

00:14:17.299 --> 00:14:19.659
I'm the only one in the class that has like six

00:14:19.659 --> 00:14:21.659
other brothers and sisters with a seventh coming.

00:14:22.220 --> 00:14:24.740
Yeah, we are. I always joke with people. I feel

00:14:24.740 --> 00:14:26.960
like I'm winning this race that I never meant

00:14:26.960 --> 00:14:31.049
to enter, but I'm winning it. Oh my gosh, I am

00:14:31.049 --> 00:14:33.669
loving this love to your wife and what a beautiful

00:14:33.669 --> 00:14:37.809
life to just, but okay, but this is where wealth

00:14:37.809 --> 00:14:40.870
matters, right? And so let's share that, share

00:14:40.870 --> 00:14:43.950
that like when you have a children, cause now

00:14:43.950 --> 00:14:45.830
what does that look like to you? What are your

00:14:45.830 --> 00:14:48.350
plans for your children? What, what I just, I

00:14:48.350 --> 00:14:50.049
just want to get into your head and understand

00:14:50.049 --> 00:14:53.029
how, cause that's a lot. A is a lot, your expenses.

00:14:53.549 --> 00:14:56.830
our every concert every year. So share with us,

00:14:56.909 --> 00:15:00.409
share whatever you are able to open with now.

00:15:01.029 --> 00:15:04.750
The hat on is your wealth advisor, but also a

00:15:04.750 --> 00:15:08.990
father's hat. Sure. The first thing I think about

00:15:08.990 --> 00:15:13.649
is that if I was waiting to be fully financially

00:15:13.649 --> 00:15:16.870
prepared, emotionally prepared, everything to

00:15:16.870 --> 00:15:19.169
have a child, I probably wouldn't even have one

00:15:19.169 --> 00:15:23.470
yet because I think so many the mistake of so

00:15:23.470 --> 00:15:25.850
many parents is that they wait in their life

00:15:25.850 --> 00:15:28.350
to make sure they have all their ducks in a row

00:15:28.350 --> 00:15:30.690
to feel like it's going to work out only to find

00:15:30.690 --> 00:15:32.669
out that a child rocks your world anyway. And

00:15:32.669 --> 00:15:34.230
you weren't you weren't prepared. You weren't

00:15:34.230 --> 00:15:36.370
playing no matter how hard you tried. You're

00:15:36.370 --> 00:15:39.210
still going to screw up. So I think it's really

00:15:39.210 --> 00:15:40.990
important to think financially speaking, like

00:15:40.990 --> 00:15:43.429
you do not need to know how you're going to the

00:15:43.429 --> 00:15:46.450
child in order to have the child. I would say

00:15:46.450 --> 00:15:48.610
listen to your heart and feel you know, find

00:15:48.610 --> 00:15:50.450
feel like if it's your calling to have that many

00:15:50.450 --> 00:15:52.490
children, you should. I don't think you'll ever

00:15:52.490 --> 00:15:54.190
regret. There's not one that I regret having

00:15:54.190 --> 00:15:57.049
put it that way. There's also no return policies

00:15:57.049 --> 00:16:02.029
on them. So you can't get rid of me. So I think

00:16:02.029 --> 00:16:04.830
about that way first, like even though I'm a

00:16:04.830 --> 00:16:07.149
wealth manager and my job is to help people figure

00:16:07.149 --> 00:16:10.210
out how to live their calling financially speaking,

00:16:10.769 --> 00:16:13.230
I would say to people like call it reckless,

00:16:13.230 --> 00:16:15.230
but I don't think it is. I just think that if

00:16:15.230 --> 00:16:17.649
you're trying to prepare financially before you

00:16:17.649 --> 00:16:20.049
have a child, it's okay to think about things,

00:16:20.070 --> 00:16:22.659
but you'll never be ready. So don't use that

00:16:22.659 --> 00:16:25.580
as a reason not to have kids. I also recognize

00:16:25.580 --> 00:16:28.340
that my life gets more and more expensive every

00:16:28.340 --> 00:16:31.179
single year as they grow more and they eat more

00:16:31.179 --> 00:16:33.539
food and they wear bigger adult size clothes

00:16:33.539 --> 00:16:36.580
and they do larger activities, like all of these

00:16:36.580 --> 00:16:39.620
things start to cost money. So when you think

00:16:39.620 --> 00:16:43.200
about your spending, your budget, you know, budget's

00:16:43.200 --> 00:16:44.980
a dirty word in my world because people think

00:16:44.980 --> 00:16:48.600
it's restrictive, I look at it like diet. Diet

00:16:48.600 --> 00:16:50.820
is also a very restrictive word that has a bad

00:16:50.820 --> 00:16:54.259
connotation. See, the reality is like the food

00:16:54.259 --> 00:16:57.080
you eat, whatever you consume, whatever you drink,

00:16:57.240 --> 00:17:00.139
that is your diet. Your diet is made up of something.

00:17:00.639 --> 00:17:03.460
Whether you're on a diet or particular about

00:17:03.460 --> 00:17:06.980
your diet is a different conversation. But what

00:17:06.980 --> 00:17:10.759
we earn and what we spend is our budget, whether

00:17:10.759 --> 00:17:12.559
we're paying attention to our budget, a whole

00:17:12.559 --> 00:17:14.880
different conversation. We all have a budget.

00:17:14.980 --> 00:17:17.900
We all earn something and spend something. And

00:17:17.900 --> 00:17:20.180
I recognize that when you're trying to manage

00:17:20.180 --> 00:17:21.960
that budget, especially with me, with a bunch

00:17:21.960 --> 00:17:24.240
of kids, I know you asked like a lot of kids.

00:17:24.839 --> 00:17:27.579
Oh, Amanda, eight kids, Dr. Amanda, eight kids,

00:17:27.700 --> 00:17:30.019
just so you know. Dr. Amanda just came in the

00:17:30.019 --> 00:17:32.880
room. Oh, hi, welcome. When you think about how

00:17:32.880 --> 00:17:34.440
do you, how the heck do you pay for all that?

00:17:34.519 --> 00:17:36.859
Well, when you look at what the money that goes

00:17:36.859 --> 00:17:40.099
out and the money comes in, the only way to have

00:17:40.099 --> 00:17:42.599
more money at the end to afford things, you have

00:17:42.599 --> 00:17:47.000
two options, really. Spend less, earn more. And

00:17:47.000 --> 00:17:48.960
I'm here to tell you that most people I work

00:17:48.960 --> 00:17:51.079
with, they're responsible with their money. They

00:17:51.079 --> 00:17:54.640
don't really have a spend less option. There

00:17:54.640 --> 00:17:57.460
are some things, there's some fact to trim, but

00:17:57.460 --> 00:17:59.599
the reality is like very few can say, well, I

00:17:59.599 --> 00:18:01.759
guess I don't need that yacht. I guess I could

00:18:01.759 --> 00:18:04.619
sell that. You know, it's not like that. Most

00:18:04.619 --> 00:18:07.599
people are like, well, I guess I could sell my

00:18:07.599 --> 00:18:09.200
house and move to the middle of the country,

00:18:09.200 --> 00:18:11.160
but then like that's a detriment to your entire

00:18:11.160 --> 00:18:13.740
family's lifestyle. So that's not a reality.

00:18:14.160 --> 00:18:16.839
There's only so many subscriptions and so many

00:18:16.839 --> 00:18:19.180
lattes you can trim from your budget to realize

00:18:19.180 --> 00:18:24.319
I actually think the missing piece that most

00:18:24.319 --> 00:18:27.019
people in my role and my seat as financial advisors

00:18:27.019 --> 00:18:29.920
don't speak enough about is that you're probably

00:18:29.920 --> 00:18:33.319
needing to figure out how to earn more. Spending

00:18:33.319 --> 00:18:37.519
less is a healthy habit potentially, but I think

00:18:37.519 --> 00:18:39.759
the earn more conversation actually needs to

00:18:39.759 --> 00:18:44.430
be had a whole lot more. Okay, this is so interesting.

00:18:44.970 --> 00:18:47.809
I think Dr. Amanda, if you're able to speak,

00:18:48.470 --> 00:18:51.910
are you with Harvard or you attended Harvard?

00:18:56.250 --> 00:18:59.049
Sometimes it's hard to un -mic, so we'll wait

00:18:59.049 --> 00:19:03.109
a second. Okay, so if she's available, she'll

00:19:03.109 --> 00:19:05.910
come out. What if you have, what if all eight

00:19:05.910 --> 00:19:10.509
kids are all - I have - You mean like what are

00:19:10.509 --> 00:19:13.650
the boys and girls? I have four boys Three girls

00:19:13.650 --> 00:19:15.670
and the last one is a girl. So we'll have four

00:19:15.670 --> 00:19:18.089
and four That's amazing. Now. What if they all

00:19:18.089 --> 00:19:21.829
want to go to Harvard? I'm gonna have them pay

00:19:21.829 --> 00:19:25.869
The reality is like they have to have some skin

00:19:25.869 --> 00:19:29.109
in the game. That's that's the way it works Like

00:19:29.109 --> 00:19:32.849
you I say it like this if you pay no money you

00:19:32.849 --> 00:19:35.559
pay no attention If you pay a lot of money, you

00:19:35.559 --> 00:19:37.500
pay a lot of attention. So if they really want

00:19:37.500 --> 00:19:40.119
to go, they've got to get some skin in the game.

00:19:41.940 --> 00:19:46.019
Wow. Yay. Oh my gosh. You are you you're really

00:19:46.019 --> 00:19:49.420
different than a lot of the other financial wealth

00:19:49.420 --> 00:19:52.819
advisors. I almost think you're a little earthier

00:19:52.819 --> 00:19:55.279
and you're more like down to earth. I guess you're

00:19:55.279 --> 00:20:00.200
just sharing like real life stories. So so how

00:20:00.200 --> 00:20:02.779
how are you saving? Like what does that look

00:20:02.779 --> 00:20:05.950
like? with your saving that can help other people

00:20:05.950 --> 00:20:08.750
just by hearing what you're doing. So I have

00:20:08.750 --> 00:20:12.369
some money that I set aside for my children and

00:20:12.369 --> 00:20:14.609
I kind of have it in one giant pot. I have so

00:20:14.609 --> 00:20:17.329
many kids that I had like one one pot of money

00:20:17.329 --> 00:20:18.829
as opposed to like separate accounts for each

00:20:18.829 --> 00:20:21.349
one and essentially when they get to call it

00:20:21.349 --> 00:20:24.630
when they get of college age then we'll kind

00:20:24.630 --> 00:20:26.789
of divide that by eight at this point, which

00:20:26.789 --> 00:20:29.269
is wild to say. But divide that by eight and

00:20:29.269 --> 00:20:31.210
sort of say, like, this is each person's chunk,

00:20:31.470 --> 00:20:33.250
roughly. I don't think there's a perfectly fair

00:20:33.250 --> 00:20:40.369
way to do that. But I'm not an advocate of college

00:20:40.369 --> 00:20:42.549
for college's sake. Believe it or not, I think

00:20:42.549 --> 00:20:47.089
there's so few professions, doctor, lawyer. There

00:20:47.089 --> 00:20:50.849
are certain... certain professions that the barrier

00:20:50.849 --> 00:20:54.529
to entry is a college degree. And if you don't

00:20:54.529 --> 00:20:56.450
have it, you can't play the game. So I get it.

00:20:56.950 --> 00:20:59.069
If you're going to a profession where you need

00:20:59.069 --> 00:21:01.190
a degree, then college is a prerequisite. You've

00:21:01.190 --> 00:21:04.170
got to do it. But for the other 95 % of professions

00:21:04.170 --> 00:21:08.650
out there, I'm not convinced today that you can't

00:21:08.650 --> 00:21:13.250
learn more about your future, more quickly about

00:21:13.250 --> 00:21:16.309
your future using things like AI. or joining

00:21:16.309 --> 00:21:18.650
certain masterminds in related fields where you're

00:21:18.650 --> 00:21:21.990
going to learn real life skills, or just sacrificing

00:21:21.990 --> 00:21:25.289
pay for a year at 18 as an apprentice to somebody.

00:21:25.490 --> 00:21:30.130
Let's say you want to learn how to sell because

00:21:30.130 --> 00:21:33.509
that's a life skill. You can sell solar panels.

00:21:33.549 --> 00:21:35.990
You can sell light bulbs. You can sell software.

00:21:36.589 --> 00:21:39.609
If you learn the art of selling, you can do a

00:21:39.609 --> 00:21:42.009
whole lot of things. Let's say when you're 18,

00:21:42.089 --> 00:21:45.059
instead of going to college, you find Some sales

00:21:45.059 --> 00:21:47.599
mentor online. That's an influencer or whatever

00:21:47.599 --> 00:21:50.640
you want you pay $5 ,000 for their life their

00:21:50.640 --> 00:21:55.019
program and then you say to some Software executive

00:21:55.019 --> 00:21:56.500
that you know, that's a neighbor or something.

00:21:56.579 --> 00:21:58.660
I'm making all this up You say hey, I just would

00:21:58.660 --> 00:22:00.920
love to shadow your top salesperson. I don't

00:22:00.920 --> 00:22:03.519
want you don't have to pay me a dime I just want

00:22:03.519 --> 00:22:05.339
to see what their life is like and you do that

00:22:05.339 --> 00:22:08.480
for six months Tell me you're not gonna be more

00:22:08.480 --> 00:22:11.440
prepared for the world than four years of a college

00:22:11.440 --> 00:22:13.619
degree So I think of things like that, and that's

00:22:13.619 --> 00:22:15.599
how I articulate it to the kids. I say, look,

00:22:15.599 --> 00:22:17.480
you got a pot of money. If you want to use it

00:22:17.480 --> 00:22:21.299
on a college degree, let's say, I don't know,

00:22:21.299 --> 00:22:23.220
it's $50 ,000, $20 ,000, whatever the number

00:22:23.220 --> 00:22:25.660
is, you want to spend the extra few hundred thousand

00:22:25.660 --> 00:22:28.599
dollars of debt to get a degree, that's on you.

00:22:28.640 --> 00:22:31.059
That's your choice. Or you want to use that money

00:22:31.059 --> 00:22:33.539
and apply it toward things like I talked about

00:22:33.539 --> 00:22:36.380
and eventually maybe build a business. And great,

00:22:36.480 --> 00:22:38.400
that's your money. You're 18. You can do it how

00:22:38.400 --> 00:22:44.180
you want now. Wow, I love your focus. I think

00:22:44.180 --> 00:22:47.299
this is so so cool and I like that you're a little

00:22:47.299 --> 00:22:51.480
younger. So let's go back to. OK, you look at

00:22:51.480 --> 00:22:54.279
you. You're looking at my financials and you're

00:22:54.279 --> 00:22:56.079
like, I don't know, Adrian. You're going to need

00:22:56.079 --> 00:22:58.740
a little bit more. You're going to want to earn

00:22:58.740 --> 00:23:02.220
another. $100 ,000 next year on top of what you're

00:23:02.220 --> 00:23:05.339
already earning. And then I say to you, well,

00:23:05.359 --> 00:23:07.240
I would say to you since yesterday, oh, my gosh,

00:23:07.279 --> 00:23:10.359
I can do it because I have a way to do it. But

00:23:10.359 --> 00:23:13.779
because there's something that we were able to

00:23:13.779 --> 00:23:16.559
create and actually turning these podcasts into

00:23:16.559 --> 00:23:20.480
books has been right, right? So I'll send you

00:23:20.480 --> 00:23:23.039
your chapter preview to review. But my point

00:23:23.039 --> 00:23:26.890
is is that my point is is that What can other

00:23:26.890 --> 00:23:28.970
people do? What if they don't have that option?

00:23:29.069 --> 00:23:31.869
What if they're hourly? Where else? What does

00:23:31.869 --> 00:23:34.450
that look like for the majority of people that

00:23:34.450 --> 00:23:40.690
are not on the top 3 % but more the regular folks?

00:23:42.089 --> 00:23:46.349
I would say that creativity follows commitment

00:23:46.349 --> 00:23:50.230
in that meaning often people wait for the magic

00:23:50.230 --> 00:23:52.549
potion and the magic bullet to hit them to then

00:23:52.549 --> 00:23:55.579
go and run toward it. But I've found as you start

00:23:55.579 --> 00:24:00.079
to, when you start to think about different options

00:24:00.079 --> 00:24:02.759
and things that you maybe could do, you commit

00:24:02.759 --> 00:24:05.660
to something. Let's just say you're committing

00:24:05.660 --> 00:24:08.660
to thinking of new ways to earn income. I'm gonna

00:24:08.660 --> 00:24:11.000
do it for 10 minutes every day. I'm gonna commit

00:24:11.000 --> 00:24:13.900
every morning. Even if I sit for 10 minutes with

00:24:13.900 --> 00:24:15.700
a blank head for 10 straight minutes, I'm gonna

00:24:15.700 --> 00:24:18.720
do it. I'm gonna commit to the idea of trying

00:24:18.720 --> 00:24:21.329
to figure out ways to earn more income. I promise

00:24:21.329 --> 00:24:23.589
after 10 days, you're gonna have some ideas that

00:24:23.589 --> 00:24:25.829
you never had in your whole life. But it's only

00:24:25.829 --> 00:24:29.269
because that creativity followed your commitment

00:24:29.269 --> 00:24:31.970
to deciding, I'm going to start thinking about

00:24:31.970 --> 00:24:35.569
this stuff. So I would tell people, you probably

00:24:35.569 --> 00:24:37.769
can figure out ways to earn more income, you

00:24:37.769 --> 00:24:40.309
just haven't given yourself the freedom and the

00:24:40.309 --> 00:24:43.210
space to think about it. And you need to. If

00:24:43.210 --> 00:24:45.470
that's your situation, you need to. Sometimes

00:24:45.470 --> 00:24:48.369
people are super well qualified and well gifted.

00:24:48.839 --> 00:24:50.819
They might be on the wrong bus, though, meaning

00:24:50.819 --> 00:24:54.000
like, hey, this bus that they're on, using their

00:24:54.000 --> 00:24:57.019
gifts in the career they're in, may only get

00:24:57.019 --> 00:25:00.980
them to $100 ,000. But they need to earn $200

00:25:00.980 --> 00:25:04.460
,000 based off of their life. And that bus they're

00:25:04.460 --> 00:25:06.960
on can never get them there. And they have to

00:25:06.960 --> 00:25:09.400
come have that come to Jesus moment to say like,

00:25:09.740 --> 00:25:13.079
I need to move buses, I am on the wrong one.

00:25:13.700 --> 00:25:16.369
Even though I love where I'm at. If I'm trying

00:25:16.369 --> 00:25:18.150
to get where I'm trying to go, this bus stops.

00:25:18.190 --> 00:25:20.789
This bus doesn't take me there. So I would encourage

00:25:20.789 --> 00:25:24.549
people to go there. And I steal this line from

00:25:24.549 --> 00:25:26.609
Rory Vaden, who has a company called Brand Builders

00:25:26.609 --> 00:25:28.230
Group. He said it better than anybody I've ever

00:25:28.230 --> 00:25:31.569
heard. So I just use his words, not mine. He

00:25:31.569 --> 00:25:35.470
says, you are most uniquely qualified to serve

00:25:35.470 --> 00:25:37.970
the person you once were. So if you're struggling

00:25:37.970 --> 00:25:40.970
to figure out like, what do I do? Then I say,

00:25:41.089 --> 00:25:43.450
think about the trials, the struggles, the things

00:25:43.450 --> 00:25:46.740
you've overcome. your purpose often lies next

00:25:46.740 --> 00:25:48.619
to your greatest pain. So think about how you

00:25:48.619 --> 00:25:51.380
got through that stuff. What did you use and

00:25:51.380 --> 00:25:53.319
what did you do to assert to get through that?

00:25:53.519 --> 00:25:55.619
And then how can you use your unique gifts to

00:25:55.619 --> 00:25:58.259
go and serve that person who's also going through

00:25:58.259 --> 00:26:00.819
a similar trial? I promise there's business in

00:26:00.819 --> 00:26:08.319
there. Wow. There's something really extraordinary

00:26:08.319 --> 00:26:13.809
about you. I produce a lovely podcast. I absolutely

00:26:13.809 --> 00:26:15.990
love it. And, you know, a lot of financial wealth

00:26:15.990 --> 00:26:18.369
advisors. I don't think anyone's come on with

00:26:18.369 --> 00:26:22.890
kind of a motivational way to teach. So how do

00:26:22.890 --> 00:26:25.650
people, like, why would someone want to work

00:26:25.650 --> 00:26:28.609
with you? What does that look like? What do they

00:26:28.609 --> 00:26:31.750
need to know about you and know what they need

00:26:31.750 --> 00:26:34.490
to do in order to, you know, make that phone

00:26:34.490 --> 00:26:37.029
call and then start to work with you? Is it just

00:26:37.029 --> 00:26:38.809
a conversation? Like, what does that look like?

00:26:38.920 --> 00:26:42.819
It is a conversation, but I would first say there's

00:26:42.819 --> 00:26:46.019
something like 330 ,000 registered financial

00:26:46.019 --> 00:26:48.660
advisors in the country. So there's the right

00:26:48.660 --> 00:26:52.440
person out there for everybody. The person that

00:26:52.440 --> 00:26:56.480
I probably can best help is somebody who has

00:26:56.480 --> 00:26:59.319
this mindset of growth, who feels like there's

00:26:59.319 --> 00:27:02.259
a bigger calling on their life that is struggling

00:27:02.259 --> 00:27:06.980
to make sure that they're using their gifts wisely

00:27:06.980 --> 00:27:09.759
and they're stewarding their wealth well meaning

00:27:09.759 --> 00:27:12.779
they're not they're probably already pretty successful

00:27:12.779 --> 00:27:16.380
from the world's eyes but it's like they need

00:27:16.380 --> 00:27:20.279
they need a a sherpa along their climb of mount

00:27:20.279 --> 00:27:22.900
everest you know they're like they know they

00:27:22.900 --> 00:27:26.460
can do it but with a guide they feel a whole

00:27:26.460 --> 00:27:28.559
lot more confident about the journey and maybe

00:27:28.559 --> 00:27:32.460
can get there more quickly more safely um it's

00:27:32.460 --> 00:27:34.970
those people that i'm going to help best Those

00:27:34.970 --> 00:27:37.690
people that their whole life have gone against

00:27:37.690 --> 00:27:41.049
the grain because they know that to live an extraordinary

00:27:41.049 --> 00:27:42.750
life, by definition, they're going to need to

00:27:42.750 --> 00:27:43.950
do something extra. They're going to have to

00:27:43.950 --> 00:27:47.970
look different. By definition, fitting in means

00:27:47.970 --> 00:27:50.250
your life looks like everybody else's. And the

00:27:50.250 --> 00:27:52.769
most people I work with that I can serve the

00:27:52.769 --> 00:27:56.470
best are on purpose doing things differently

00:27:56.470 --> 00:27:58.529
because they feel called to live a different

00:27:58.529 --> 00:28:00.349
life than everybody else. They feel called to

00:28:00.349 --> 00:28:02.390
a place that most people aren't going to. So

00:28:02.390 --> 00:28:05.259
those are the people I can work with. Tried and

00:28:05.259 --> 00:28:07.720
true straightforward financial advice that's

00:28:07.720 --> 00:28:09.539
relatively textbook like I'm not gonna be the

00:28:09.539 --> 00:28:12.240
right person for you Because I invest in a way

00:28:12.240 --> 00:28:14.039
and individual stocks that looks very different

00:28:14.039 --> 00:28:16.539
than most people The advice I give you've probably

00:28:16.539 --> 00:28:20.420
heard some of it that it's it's not typical advice

00:28:20.420 --> 00:28:22.920
Because often when you're on a journey, that's

00:28:22.920 --> 00:28:26.579
a typical It's illogical to think I need advice

00:28:26.579 --> 00:28:28.559
that is like everybody else's, even though I

00:28:28.559 --> 00:28:30.119
feel like I'm on a journey that no one else is

00:28:30.119 --> 00:28:32.839
on. You're going to need to hear things that

00:28:32.839 --> 00:28:34.759
no one else is willing to tell you or knows to

00:28:34.759 --> 00:28:37.380
tell you, because they're not on that path. So

00:28:37.380 --> 00:28:40.859
it's really a unique person that I probably can

00:28:40.859 --> 00:28:42.559
best serve. It's not that I can't help other

00:28:42.559 --> 00:28:44.859
people. That's just the person that I can really

00:28:44.859 --> 00:28:48.869
come alongside and help out. Yeah, I could see

00:28:48.869 --> 00:28:50.750
that I could see you being a trusted advisor

00:28:50.750 --> 00:28:53.089
I think everyone needs to have around the table

00:28:53.089 --> 00:28:55.710
now the reconstructing wealth is interesting

00:28:55.710 --> 00:28:58.250
because I'm thinking wait I had it and I now

00:28:58.250 --> 00:29:01.470
I have to reconstruct it or am I getting my Meanings

00:29:01.470 --> 00:29:04.250
wrong because I'm thinking wouldn't it be constructing

00:29:04.250 --> 00:29:08.509
wealth? Yeah, it's a common mistake or common

00:29:08.509 --> 00:29:10.549
thought I don't want to call it a mistake because

00:29:10.549 --> 00:29:14.089
you're right in thinking that what where the

00:29:14.160 --> 00:29:16.559
the mission and the heart of the business right

00:29:16.559 --> 00:29:20.099
in the word is my mission is to over the long

00:29:20.099 --> 00:29:22.400
term, reconstruct people's relationships with

00:29:22.400 --> 00:29:25.920
money. Because I found that how people view and

00:29:25.920 --> 00:29:29.299
use money is the limiter in their life. It's

00:29:29.299 --> 00:29:31.700
the thing it's the ceiling, the glass ceiling,

00:29:31.700 --> 00:29:34.640
they can't break through. It's not the marketing

00:29:34.640 --> 00:29:39.299
tactics and strategies. Identity precedes destiny.

00:29:39.579 --> 00:29:42.220
So like people if they can't live into that future

00:29:42.220 --> 00:29:44.730
wealthier version of themselves. Emotionally,

00:29:44.730 --> 00:29:46.670
they'll never get there. It's the reason all

00:29:46.670 --> 00:29:49.269
lottery winners, 80 % of lottery winners lose

00:29:49.269 --> 00:29:51.529
their money in five years. That statistic exists

00:29:51.529 --> 00:29:54.769
because the lottery winner is often a paycheck

00:29:54.769 --> 00:29:57.890
to paycheck mindset person who all of a sudden

00:29:57.890 --> 00:30:02.269
has a windfall of wealth. Yet they are mentally,

00:30:02.589 --> 00:30:05.109
emotionally, they still embody what a paycheck

00:30:05.109 --> 00:30:08.390
to paycheck person embodies. And they never take

00:30:08.390 --> 00:30:12.470
the time to learn how to up -level their internal

00:30:12.470 --> 00:30:15.180
state. to understand like to reconstruct their

00:30:15.180 --> 00:30:18.079
relationship with money to become that multimillionaire

00:30:18.079 --> 00:30:20.700
that they now are. Therefore, their body sort

00:30:20.700 --> 00:30:23.759
of works to retreat back to what's what's known

00:30:23.759 --> 00:30:27.900
and comfortable. It's crazy. It is crazy. But

00:30:27.900 --> 00:30:30.019
you kind of explained that. I think what most

00:30:30.019 --> 00:30:31.880
of us think like, oh, it's the curse of winning

00:30:31.880 --> 00:30:34.420
the lottery. Oh, it's poor decisions. It's like

00:30:34.420 --> 00:30:36.599
just spent all the money or they, you know, they

00:30:36.599 --> 00:30:40.359
donate it all away. No. Wow. No money has no

00:30:40.359 --> 00:30:42.519
emotion. Money doesn't care where it is like

00:30:42.779 --> 00:30:45.400
we assign emotions to money all the time. But

00:30:45.400 --> 00:30:48.119
really, what does money care if it's in your

00:30:48.119 --> 00:30:52.180
bank account or somewhere else's? It's on us

00:30:52.180 --> 00:30:55.160
to steward it well, to figure out how to use

00:30:55.160 --> 00:30:58.339
it effectively. And if we don't, then what ends

00:30:58.339 --> 00:31:00.539
up happening is it sort of just moves through

00:31:00.539 --> 00:31:02.619
us and finds its way to somebody else. That's

00:31:02.619 --> 00:31:07.710
just how it goes. I definitely, if you yourself,

00:31:07.809 --> 00:31:10.369
I know you guessed on podcast, but if you have

00:31:10.369 --> 00:31:12.769
a lot of great information, there's something

00:31:12.769 --> 00:31:15.849
about you. Anyone here that, hi, Haley. Anyone

00:31:15.849 --> 00:31:21.130
would like to say anything? Well, we have Matt

00:31:21.130 --> 00:31:26.450
in the room. Feel free to on mic if you would

00:31:26.450 --> 00:31:28.710
like. Haley, if you wanna come up, please come

00:31:28.710 --> 00:31:32.579
up. We only have a few more minutes though. Matt,

00:31:32.700 --> 00:31:34.299
any question that I should have asked you that

00:31:34.299 --> 00:31:36.779
I didn't ask you that you do want me to share

00:31:36.779 --> 00:31:40.759
with my three followers? Wow. Thank you for that.

00:31:40.779 --> 00:31:43.059
You've asked a lot of fun questions. And you've

00:31:43.059 --> 00:31:45.180
also been super complimentary. So just thank

00:31:45.180 --> 00:31:46.759
you for having me on the show. And thank you

00:31:46.759 --> 00:31:49.640
for pouring encouragement into me. That's been

00:31:49.640 --> 00:31:53.480
really, for me, has been cup filling. That's

00:31:53.480 --> 00:31:56.200
been awesome. So I really appreciate that. I

00:31:56.200 --> 00:31:59.700
think the one question a lot of people that I

00:31:59.700 --> 00:32:02.230
think you probably people are listening if they

00:32:02.230 --> 00:32:05.650
listen are asking themselves is like well how

00:32:05.650 --> 00:32:09.210
how do I even get going with my money maybe not

00:32:09.210 --> 00:32:11.269
even from a starting point maybe you have a 401k

00:32:11.269 --> 00:32:12.890
or whatever it is and a whole lot of money somewhere

00:32:12.890 --> 00:32:15.569
but like how do I really take the reins of my

00:32:15.569 --> 00:32:19.470
financial life uh that's a that's a fair question

00:32:19.470 --> 00:32:23.049
and to me I would actually start with saying

00:32:23.049 --> 00:32:26.710
it's it begins with some awareness you have to

00:32:26.710 --> 00:32:30.150
actually start to think about like how do I respond

00:32:30.750 --> 00:32:33.670
internally, how do I emotionally feel when I

00:32:33.670 --> 00:32:35.390
open up my bank account, when I look at my investment

00:32:35.390 --> 00:32:38.430
accounts, when I swipe my credit card, all the

00:32:38.430 --> 00:32:41.329
things where like money's in motion. How do you

00:32:41.329 --> 00:32:43.289
think about that? You get emotional, you get

00:32:43.289 --> 00:32:46.009
stirred up, like start there, because here's

00:32:46.009 --> 00:32:50.349
the truth. If you're trying to build a beautiful

00:32:50.349 --> 00:32:54.849
garden, and there's just a ton of weeds in your

00:32:54.849 --> 00:32:58.130
garden, even if the fruit starts to produce,

00:32:58.430 --> 00:33:00.750
you still have weeds growing right next to the

00:33:00.750 --> 00:33:03.509
fruit in the same soil. You've got to pull the

00:33:03.509 --> 00:33:06.529
weeds. You can't just trim them with the hedge

00:33:06.529 --> 00:33:08.569
clippers or the weed whacker, you know what I

00:33:08.569 --> 00:33:10.710
mean? The roots are still there. So you have

00:33:10.710 --> 00:33:12.589
to actually, like that lottery winner, you have

00:33:12.589 --> 00:33:15.150
to go deep into figuring out, like, what is it

00:33:15.150 --> 00:33:18.089
about me that causes that? Why do I think that

00:33:18.089 --> 00:33:20.309
way? What happened in my life? And then you have

00:33:20.309 --> 00:33:22.230
to start to reassign new meanings toward money.

00:33:22.630 --> 00:33:25.690
You actually have to reassign what that wealth

00:33:25.980 --> 00:33:27.920
is used for in your life and who you're called

00:33:27.920 --> 00:33:30.279
to serve. Because it's never about you. That's

00:33:30.279 --> 00:33:32.000
the trick about money. We all get worried and

00:33:32.000 --> 00:33:33.339
emotional about money because we make it about

00:33:33.339 --> 00:33:36.059
us, just like anything else. Like if you're going

00:33:36.059 --> 00:33:38.180
to post on social media, the reason you get nervous

00:33:38.180 --> 00:33:40.400
and anxious about it is because you're worried

00:33:40.400 --> 00:33:42.880
about what people will say about you. Like it

00:33:42.880 --> 00:33:45.220
becomes selfish as opposed to thinking like,

00:33:45.519 --> 00:33:47.779
with these words, who can I serve? Who's this

00:33:47.779 --> 00:33:51.039
going to help? Same with money. With these dollars,

00:33:51.140 --> 00:33:53.839
who can I help? Who can I serve? When it becomes

00:33:53.839 --> 00:33:57.410
about We and not me you're gonna be in a healthy

00:33:57.410 --> 00:34:00.490
place So I would actually start there and then

00:34:00.490 --> 00:34:02.049
if you really don't know where to be where else

00:34:02.049 --> 00:34:04.789
to go Quite literally you could ask chat GPT

00:34:04.789 --> 00:34:07.250
because I hey, here's my situation. I have this

00:34:07.250 --> 00:34:09.329
much of retirement I have this much I need to

00:34:09.329 --> 00:34:11.750
earn this much whatever you want to give it Say,

00:34:11.889 --> 00:34:14.369
where do I begin or what are the right questions

00:34:14.369 --> 00:34:16.909
for me to ask or do I want to hire an advisor?

00:34:17.130 --> 00:34:20.010
If I do what do I have to ask them? Honestly

00:34:20.010 --> 00:34:23.559
start there you it's gonna pull from infinite

00:34:23.559 --> 00:34:25.820
more data sources than you or I have in our head,

00:34:25.820 --> 00:34:29.300
and it's gonna distill these questions that will

00:34:29.300 --> 00:34:33.079
get you on the path you need to get up. Amazing

00:34:33.079 --> 00:34:36.260
advice. Wait, one more question. I'm sorry. Have

00:34:36.260 --> 00:34:40.719
you run into this a lot? Let's just say a family

00:34:40.719 --> 00:34:45.300
member who was told by their parents, oh, you're

00:34:45.300 --> 00:34:47.900
in the will, you're gonna have money in the estate,

00:34:48.099 --> 00:34:52.170
we're taking care of you, maybe the... parent

00:34:52.170 --> 00:34:55.829
will say, whoever that sibling is, older brother,

00:34:56.030 --> 00:34:58.389
older sister would take care of you. And you

00:34:58.389 --> 00:35:03.469
kind of have that mindset. But then as you, when

00:35:03.469 --> 00:35:06.349
things actually happen in life and maybe the

00:35:06.349 --> 00:35:09.289
parents have passed away and you have the estate,

00:35:10.210 --> 00:35:12.659
but then. It doesn't turn out like that. Have

00:35:12.659 --> 00:35:16.119
you seen any cases where you kind of almost someone

00:35:16.119 --> 00:35:18.300
in the family has gone through thinking, oh,

00:35:18.300 --> 00:35:20.739
I've got this generational wealth. I will be

00:35:20.739 --> 00:35:24.980
OK. I don't need life insurance. The family will

00:35:24.980 --> 00:35:28.320
take it. And then it's all pulled due to maybe

00:35:28.320 --> 00:35:31.199
a family member. Have you seen or heard that

00:35:31.199 --> 00:35:34.460
happen? Yeah, it gets ugly, especially at death

00:35:34.460 --> 00:35:38.340
and money. Nothing makes people act stranger

00:35:38.340 --> 00:35:42.769
than finances. I've learned. You know, investing

00:35:42.769 --> 00:35:45.429
and emotions, they don't play well in the sandbox.

00:35:46.289 --> 00:35:49.889
And the same is true of just transfer of money

00:35:49.889 --> 00:35:53.469
and emotions. That just gets really messy. Unfortunately,

00:35:53.570 --> 00:35:56.289
I've seen families break up, you know, certain

00:35:56.289 --> 00:35:58.750
family members not talk to other family members

00:35:58.750 --> 00:36:03.250
as a result of changes of the will prior to death

00:36:03.250 --> 00:36:07.429
when the argument is the parents relatively incapacitated

00:36:07.429 --> 00:36:10.150
and wasn't in a head space to be able to... approve

00:36:10.150 --> 00:36:14.690
that change is nasty. And here's what I would

00:36:14.690 --> 00:36:19.710
say to that person is it's not that transaction

00:36:19.710 --> 00:36:24.469
or that the result of a dishonest family member

00:36:24.469 --> 00:36:26.389
or whatever that situation is where you don't

00:36:26.389 --> 00:36:28.610
have now you no longer have money that you are

00:36:28.610 --> 00:36:33.190
banking on. I would say back up into your mindset

00:36:33.190 --> 00:36:37.909
today. and say, why are you liv waiting for somebody

00:36:37.909 --> 00:36:45.550
to di to live. I think that's t going to go so

00:36:45.550 --> 00:36:51.409
far. I rea out a motivational time t work with

00:36:51.409 --> 00:36:56.090
clients, but act groups. I see you on the s doing

00:36:56.090 --> 00:37:03.099
a lot of different I saw Tony Robbins. I mean,

00:37:03.139 --> 00:37:05.760
no, you're good, Matt. You're good. Jason. Jason's

00:37:05.760 --> 00:37:07.840
got his hands up. Meet Jason. He's cool. Hey,

00:37:08.099 --> 00:37:11.780
Jason. Take the mic. Hey. Nice to meet you, Matt.

00:37:12.119 --> 00:37:15.579
Thanks a lot. It's great. Great listening. And

00:37:15.579 --> 00:37:20.579
thank you, Adrian. You know, baseball is super

00:37:20.579 --> 00:37:23.199
fun. I liked your analogy about, you know, you're

00:37:23.199 --> 00:37:26.199
right. You know, you strike out like seven times

00:37:26.199 --> 00:37:29.460
before you, you're a Hall of Famer, you know.

00:37:31.000 --> 00:37:33.239
It's just a good reminder of those things and

00:37:33.239 --> 00:37:36.219
congratulations on your success. Obviously, you're

00:37:36.219 --> 00:37:38.960
a good leader and motivator. So I appreciate

00:37:38.960 --> 00:37:43.599
you. Thanks. Thank you for that. I know. Very

00:37:43.599 --> 00:37:45.940
nice. Jason's awesome. What state are you in?

00:37:46.320 --> 00:37:48.500
I'm in Charleston, South Carolina now. I'm originally

00:37:48.500 --> 00:37:51.500
from Boston. So when you were talking to the

00:37:51.500 --> 00:37:54.179
doctor about Harvard, I lived right outside of

00:37:54.179 --> 00:37:56.659
Cambridge before. And yeah, I've spent many days

00:37:56.659 --> 00:38:01.619
there. We are so lucky. Oh go ahead Jason. What's

00:38:01.619 --> 00:38:06.519
your perspective on Bitcoin? Are you a big believer

00:38:06.519 --> 00:38:09.920
in that and I and I wanted to ask you is it is

00:38:09.920 --> 00:38:12.300
it similar to like gold these days because it's

00:38:12.300 --> 00:38:16.139
kind of almost like a limited Type of thing now

00:38:16.139 --> 00:38:18.559
because it's like evaporating because however

00:38:18.559 --> 00:38:20.579
many they're made or something. How does that

00:38:20.579 --> 00:38:23.780
work? Yeah, it's it is similar to that in that

00:38:23.780 --> 00:38:27.079
There's a finite amount of it. So the value is

00:38:27.079 --> 00:38:32.519
in the scarcity of it, for sure. I don't disagree

00:38:32.519 --> 00:38:34.980
that that blockchain technology is going to be

00:38:34.980 --> 00:38:37.300
part of the banking system of the future. It

00:38:37.300 --> 00:38:39.880
already is. So I think that blockchain technology,

00:38:39.960 --> 00:38:42.960
what it does is it allows you to be your own

00:38:42.960 --> 00:38:45.619
bank. You have your own little secure square,

00:38:45.739 --> 00:38:48.679
cube you live in, and you can wire money directly

00:38:48.679 --> 00:38:52.460
to another person who has their own secure square,

00:38:52.840 --> 00:38:57.150
and it's all traceable and... protectable, where

00:38:57.150 --> 00:39:00.010
you almost eliminate a bank, a need for a bank

00:39:00.010 --> 00:39:01.889
in that transaction. There's no middleman there.

00:39:02.130 --> 00:39:05.050
So it's a really disruptive technology to financial

00:39:05.050 --> 00:39:08.530
services in particular, because now all of a

00:39:08.530 --> 00:39:12.210
sudden you don't need these super rich institutions

00:39:12.210 --> 00:39:15.530
called banks that have deep pockets and a lot

00:39:15.530 --> 00:39:18.969
of lobbyists on Capitol Hill to make sure that

00:39:18.969 --> 00:39:22.150
they will exist, right? So I actually think that

00:39:22.150 --> 00:39:24.130
blockchain technology is going to be hard to

00:39:24.409 --> 00:39:27.909
to really fully disrupt because of that. There's

00:39:27.909 --> 00:39:31.030
going to be a lot of headwinds for it. That being

00:39:31.030 --> 00:39:34.210
said, I don't discourage clients when they really

00:39:34.210 --> 00:39:36.929
want to get into Bitcoin or any other crypto.

00:39:38.409 --> 00:39:41.349
I personally don't invest when I'm investing

00:39:41.349 --> 00:39:43.929
on behalf of clients. I don't invest in it. And

00:39:43.929 --> 00:39:46.550
the reason is, it's not about me liking it or

00:39:46.550 --> 00:39:48.949
not liking it. When I said earlier, emotions

00:39:48.949 --> 00:39:50.849
in investing don't play well in the sandbox.

00:39:51.369 --> 00:39:54.070
When a client entrusts me with their entire life

00:39:54.070 --> 00:39:55.949
savings to say, hey, look, I need you to make

00:39:55.949 --> 00:39:57.929
sure that you're managing this well so that I

00:39:57.929 --> 00:40:03.329
can one day use it to live, I need to have an

00:40:03.329 --> 00:40:07.349
abundance of data to make my decisions and discipline

00:40:07.349 --> 00:40:10.369
a disciplined process to make my decisions. And

00:40:10.369 --> 00:40:13.449
there is not enough rationale or data behind

00:40:13.449 --> 00:40:16.150
the scenes for me on Bitcoin in order for me

00:40:16.150 --> 00:40:19.230
to make a good buying or selling decision. Right

00:40:19.230 --> 00:40:22.090
now, Bitcoin trades a lot like like a fine art

00:40:22.090 --> 00:40:25.050
would, like a Monet or something. Its value is

00:40:25.050 --> 00:40:28.590
often in the perceived value that the other person

00:40:28.590 --> 00:40:30.889
is willing to pay for it. Like a Monet might

00:40:30.889 --> 00:40:33.250
be worth 12 bucks for me because I don't want

00:40:33.250 --> 00:40:35.610
one, but it's 12 million for another person who

00:40:35.610 --> 00:40:38.650
loves fine art. Bitcoin is kind of similar. Now

00:40:38.650 --> 00:40:42.630
there is more substance to it, but its value

00:40:42.630 --> 00:40:46.570
right now at least has been inflated because

00:40:46.570 --> 00:40:49.750
so many people think it's worth a lot. So more

00:40:49.750 --> 00:40:52.090
people are buying it. And that's the reason it

00:40:52.090 --> 00:40:53.489
has nothing to do with whether or not I think

00:40:53.489 --> 00:40:56.070
it's a good investment. For me not to invest

00:40:56.070 --> 00:41:00.130
in it's because I have a data, a really disciplined

00:41:00.130 --> 00:41:03.090
data driven process of what I'm buying, when

00:41:03.090 --> 00:41:05.329
I'm selling, what I'm going to reinvest in. And

00:41:05.329 --> 00:41:07.250
if I don't have the appropriate amount of data

00:41:07.250 --> 00:41:11.250
behind it, I just can't, in good faith, I can't

00:41:11.250 --> 00:41:13.210
make those decisions on behalf of somebody's

00:41:13.210 --> 00:41:18.289
life savings. That's a Jason killer question.

00:41:18.289 --> 00:41:23.050
I love it. For clients like that, I encourage

00:41:23.050 --> 00:41:26.690
them to say, take a small percentage of your

00:41:26.690 --> 00:41:30.949
investments and open up your own Coinbase account

00:41:30.949 --> 00:41:34.630
or something and buy whatever XRP or Ethereum

00:41:34.630 --> 00:41:37.730
or Bitcoin, whatever you want to buy. But just

00:41:37.730 --> 00:41:39.949
know that there is a chance on an investment

00:41:39.949 --> 00:41:43.909
like that, that it can go to zero. Most investments

00:41:43.909 --> 00:41:46.289
like in the market that I am investing in, particularly

00:41:46.289 --> 00:41:49.269
investing in stocks, it's hard to imagine a hundred

00:41:49.269 --> 00:41:51.929
billion dollar company going to zero tomorrow,

00:41:52.070 --> 00:41:55.190
you know, like there's going to be some predictability

00:41:55.190 --> 00:41:57.289
to that to say like, hey, this company is in

00:41:57.289 --> 00:42:00.329
a pretty, pretty deep tailspin and I can usually

00:42:00.329 --> 00:42:02.949
get out of that well before they go to zero Bitcoin.

00:42:02.949 --> 00:42:04.650
I don't know. You know, there may or may not

00:42:04.650 --> 00:42:11.750
be that. Wow. You know, the other coins, are

00:42:11.750 --> 00:42:14.150
they based on nothing then? Like, what are they?

00:42:14.170 --> 00:42:16.650
What are they based on? Is it just like what

00:42:16.650 --> 00:42:18.369
you were talking about really like theory and

00:42:18.369 --> 00:42:21.349
kind of fun? Yeah, they are they are what somebody

00:42:21.349 --> 00:42:25.030
else thinks they're worth um It's a hard one

00:42:25.030 --> 00:42:27.449
to so it's a hard one and that's where it gets

00:42:27.449 --> 00:42:29.710
dangerous because they can just be like the owners

00:42:29.710 --> 00:42:33.929
of it can just pull right Sure. Yeah, I mean

00:42:33.929 --> 00:42:36.989
people can decide that Dogecoin no longer is

00:42:36.989 --> 00:42:38.889
a thing, you know, or trump coin is not going

00:42:38.889 --> 00:42:41.809
to be worth it like these are And then when they

00:42:41.809 --> 00:42:44.469
just when when the masses decide that it's actually

00:42:44.469 --> 00:42:48.130
not a valuable thing anymore, the price of it

00:42:48.130 --> 00:42:51.010
tanks. And there's no, there's no predictability

00:42:51.010 --> 00:42:55.230
to that. Because humans are irrational. So like

00:42:55.230 --> 00:42:58.130
when you're trying to predict an irrational person,

00:42:58.869 --> 00:43:00.510
times a zillion, you know, however many people

00:43:00.510 --> 00:43:03.230
are investing in it, it's an impossibility, but

00:43:03.230 --> 00:43:05.590
the future is impossible to predict as is nevermind

00:43:05.590 --> 00:43:11.230
trying to predict the human behavior. Great questions.

00:43:11.269 --> 00:43:14.550
Hi, Nuala. Welcome, Nuala. I want to be careful

00:43:14.550 --> 00:43:16.889
of Matt's time because of what we're doing. So

00:43:16.889 --> 00:43:18.750
thank you so much. And I will say, I'm going

00:43:18.750 --> 00:43:20.710
to say it, Jason. I'm doing it. I'm doing it.

00:43:20.869 --> 00:43:23.230
You know, Matt, one of the, like we talked about

00:43:23.230 --> 00:43:24.929
Chatter Social, we're live on Chatter Social

00:43:24.929 --> 00:43:27.590
because you're hearing voices. And I've been

00:43:27.590 --> 00:43:30.289
doing pod match, I guess. And they're always

00:43:30.289 --> 00:43:31.989
like, wait, I've never had this happen. Have

00:43:31.989 --> 00:43:33.849
you ever had a pod, have you ever been on an

00:43:33.849 --> 00:43:36.550
interview where there's been live people? Never,

00:43:37.150 --> 00:43:41.230
never. I'm going to do it, Jason. On ChatterSocial,

00:43:41.309 --> 00:43:43.690
we have two people that come in that teach, and

00:43:43.690 --> 00:43:46.349
we are so lucky. One, you may know the names.

00:43:46.610 --> 00:43:49.670
Beautiful woman, Cindy Stumpo, out of Boston.

00:43:50.190 --> 00:43:52.550
And the other one, you may know the name, Grant

00:43:52.550 --> 00:43:57.110
Cardone. Yes. And we're very lucky. So we are

00:43:57.110 --> 00:43:59.550
all here, and this is kind of what it looks like.

00:43:59.670 --> 00:44:02.809
And Newell is going to say a quick hello. That's

00:44:02.809 --> 00:44:07.019
cool. Hi gorgeous, another fabulous podcast.

00:44:07.159 --> 00:44:10.380
Lovely to see you, Mark. Hi, nice to see you

00:44:10.380 --> 00:44:14.400
too. Nuala's from, oh, I just messed that up.

00:44:14.659 --> 00:44:17.440
Oh, sorry. Uh -oh. Nuala, can you guys hear me?

00:44:18.239 --> 00:44:21.059
Sorry about that. We can hear you. Okay, sorry.

00:44:21.199 --> 00:44:24.460
I just, I did that stupid camera. So I will send

00:44:24.460 --> 00:44:28.599
you, chatter social is free. Cool. The founder

00:44:28.599 --> 00:44:32.659
is a young man that we are all supporting him,

00:44:32.780 --> 00:44:36.239
so it's really interesting. Nelson Apega, as

00:44:36.239 --> 00:44:39.480
a matter of fact, I just did, I have a PodMatch

00:44:39.480 --> 00:44:42.519
book coming and all 15 of the interviews are

00:44:42.519 --> 00:44:45.320
done on Chatter and then my next book is coming.

00:44:45.679 --> 00:44:48.400
So that one happens to be with Alex. So cool.

00:44:48.500 --> 00:44:50.579
Alex, I don't know if you're using, do we meet

00:44:50.579 --> 00:44:54.429
on PodMatch? Yes. So Alex was a great interview.

00:44:55.050 --> 00:44:57.989
But anyways, so love to have you on. I think

00:44:57.989 --> 00:45:00.630
that this is a conversation we need more on more.

00:45:01.309 --> 00:45:03.730
You know, it's nice to support. There is no cost

00:45:03.730 --> 00:45:06.550
to it, but if you do like to do rooms or you

00:45:06.550 --> 00:45:08.389
know, have conversations about it, we would love

00:45:08.389 --> 00:45:09.869
to have you on there so you can just come and

00:45:09.869 --> 00:45:12.789
try it. I do debate the news true crime Tuesdays

00:45:12.789 --> 00:45:16.789
and Thursdays at 7 PM. Sometimes I not only do

00:45:16.789 --> 00:45:19.889
I look like that warmed over, I actually talk

00:45:19.889 --> 00:45:24.670
about death warmed over. So thank you so much.

00:45:24.789 --> 00:45:27.690
So thank you so much. So now I have to close

00:45:27.690 --> 00:45:29.409
out and I won't be able to talk because I'm going

00:45:29.409 --> 00:45:32.230
to shut the room down. But thank you. I'm going

00:45:32.230 --> 00:45:35.889
to send you. Matt, I'm going to send you a copy

00:45:35.889 --> 00:45:38.090
of what the chapter would look like, a preview

00:45:38.090 --> 00:45:40.570
of the chapter, because you were really giving

00:45:40.570 --> 00:45:44.210
some great information. And I'm just going to

00:45:44.210 --> 00:45:46.889
end this. I'm trying so hard. I really do want

00:45:46.889 --> 00:45:49.590
to change. I am listening to some motivation

00:45:49.590 --> 00:45:52.050
and some tapes at night. I would love if you

00:45:52.050 --> 00:45:55.570
had created a motivational tape, a blog, articles.

00:45:55.789 --> 00:45:58.750
You have so much in that amazing head of yours

00:45:58.750 --> 00:46:01.840
in teaching people like me. You know, I am that

00:46:01.840 --> 00:46:04.780
I'm the picture of the person that needs to hear

00:46:04.780 --> 00:46:07.000
from you and then needs to make some good decisions.

00:46:07.000 --> 00:46:10.079
So that's so cool. Well, I will say that if I've

00:46:10.079 --> 00:46:13.280
recorded a three part video course of just some

00:46:13.280 --> 00:46:15.559
of some of what we talked about, like the emotions,

00:46:15.780 --> 00:46:18.000
the science behind it, also some nuts and bolts

00:46:18.000 --> 00:46:20.900
of actual practical, like financial management.

00:46:21.519 --> 00:46:24.559
And it's free. And if anybody finds me on Instagram,

00:46:24.739 --> 00:46:26.059
it's I'm probably most active there. It's just

00:46:26.059 --> 00:46:28.780
my name. So it's not on your website. It's not

00:46:28.780 --> 00:46:31.739
on my website right now. So if you go to my Instagram

00:46:31.739 --> 00:46:33.420
though and you want to send me a DM, you follow

00:46:33.420 --> 00:46:36.380
me. I'll send you a link to it. I'm working on

00:46:36.380 --> 00:46:38.219
transitioning it to my website. It's hosted on

00:46:38.219 --> 00:46:41.840
a different site right now. But anybody listening

00:46:41.840 --> 00:46:43.480
wants to send me a DM, I'll send it to you for

00:46:43.480 --> 00:46:45.539
free. And maybe that's a cool starting point.

00:46:46.539 --> 00:46:49.360
Oh my gosh, I love that, Matt. Thank you so much.

00:46:49.460 --> 00:46:51.480
Okay, that is the thing. So you're gonna get

00:46:51.480 --> 00:46:53.920
us your, you're gonna get it from me so I can

00:46:53.920 --> 00:46:56.099
send it out and then I will, this will turn into

00:46:56.099 --> 00:46:58.440
show notes and be more, this is just a live.

00:46:58.840 --> 00:47:00.880
Thank you for being brave enough to do a live.

00:47:01.159 --> 00:47:02.980
I'll end it now. Thank you guys for watching

00:47:02.980 --> 00:47:04.760
it. Thank you for everyone in the chat room.

00:47:04.760 --> 00:47:07.039
Thank you. You're special to me. Thank you. Have

00:47:07.039 --> 00:47:08.880
a great day. I'll be back in touch with you.

00:47:09.119 --> 00:47:11.380
Okay. Thanks. You're awesome. I appreciate the

00:47:11.380 --> 00:47:17.820
big time. Thank you. Bye -bye. Bye. Awesome.