1
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Bye.

2
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Ross, you bye.

3
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These are my last ones, too.

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Those are great. I think my wife has those.

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I've stolen them once.

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Oh, my goodness.

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Well, I hope you enjoyed that upbeat, aggressive hip hop.

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Welcome back to another episode of value nation.

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You know what the show is.

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It's a show mixed full of random sequence of events just like life.

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Also a show to help everyone understand the appraisal business

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and more specifically, the appraisal management business.

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We do like to keep things light, laugh, make fun of ourselves, mostly me,

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but also provides numbers information to understand today's market

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and how it can help you make real estate decisions

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while learning how some of it works behind the curtain.

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Charlie, what's happening?

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My man.

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There you are.

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Look, it's a mouthful.

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It's a mouthful to get through.

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It is. But you know what?

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You know what?

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You're crushing it, dude.

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Every single time, every week, just just a little bit better.

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That's all you have for life, right?

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Every day, just whatever you do, get a little bit better every day.

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We both did our hair today, too.

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So kind of, man, this is a nightmare.

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Like you're going to see me messing with it probably the entire time.

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Unlikely. That's OK.

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I'm going to make fun of myself as usual.

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But my daughter's stepdad, like with my hair, got really long.

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I had the dårsotte, as you said, you said.

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Like if you don't want to

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I was going to say decades, but I wasn't sure if it was that long.

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But yeah, the freaking milk diaper.

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I throw the glasses on, man.

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It's, it's spot on.

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I should do milk diaper for Halloween except all these sports, only sports

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nerds will know who that is.

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The draft aficionado.

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All right.

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Finally got the couch in the office now, man.

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It's done.

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Like the off, I just got to put some more stuff up on the walls.

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Like you got, you got art behind you.

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I see that.

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Yep.

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Yep.

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You know, I got the, oops, wrong side.

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Got the diploma back here.

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Um, got the, you know, I actually finished something in my life.

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Got to show up, live, go away.

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And it's, you can't tell cause it's blurred out, but that's the chiefs

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win the super bowl, little newspaper front page thing.

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But that's it.

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You got to have that on the wall.

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I, uh, I actually went and got the first show in for the year at the Connecticut

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Mohican sun, go away.

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Well, it's actually called the new England mortgage expo.

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I think you don't even know the name of the show you just went to.

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I forget, man.

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There's so many listed on a sheet.

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Like I just feel terrible, but look at you.

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I'm proud of you hitting 20, 23 on the ground running, man.

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This guy could just dive straight into his show.

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So how was it?

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What's the synopsis?

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What's the, what's the vibe like in the industry right now?

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So like that, that show historically has been pretty big for, for, uh, the group.

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That puts it on and you know, like pretty big as what?

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2000 plus people.

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I mean, is that a casino?

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It's the only problem with Mohican sun is it's super remote.

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You're an hour from any airport.

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I've, I almost, I've almost gone to that show.

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Actually.

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I remember that now.

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Yeah.

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I know exactly what you're talking about.

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It's, well, I mean, people get in.

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And I think there was about 28 or 30 exhibitors, but there was also at the

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same time, a banking convention going on.

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So there was like two expo rooms or show rooms going out at the same time.

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So there's a lot of activity again, same group putting both shows on.

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So they did, they did a good job of that.

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Made it seem like a, a really big thing going on, big show and, uh, pretty well

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attended, saw a lot of our clients, um, a lot of the new ones, which is, which

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was nice, um, but I would say that all in all, people are kind of like we talked

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about last time, we were kind of iffy about continuing to do the big, uh,

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booths for the shows, but even like rocket, um, they've been a title sponsor

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for this group for a long time.

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And this year they're even, and they worked for this last one too, but they're

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even kind of considering doing some different things.

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Doing some different, some things differently for the future.

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Just so that, you know, just uncertainty and there's a lot of dollars being

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spent in marketing and in these shows.

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So like we talked about, you know, getting the most bang for your buck.

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Yeah.

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I think this is going to be a big year of shows being different in general.

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Yeah, it will be.

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And that's, I mean, but for a lot of us, that's been our, where we, you know,

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pick up a lot of business or, you know, fill in a lot of our days.

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So it's new to me is, is from where I came from.

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Then like the first seven, eight years I was in this business.

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Yeah.

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Like the shows we would go to are the shows where the booths, the exhibitors

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are nothing but like AMC's title companies, you know, insurance and my guys,

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things like that, like the lenders didn't have the boots.

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Like it's, it's a totally different world going where like you got like

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guys like rocket and like UWM, like, like the lenders actually have in there

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because they're going after brokers and things along those lines.

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Like that was not a world I ever experienced before.

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It's like the boots were nothing but us, you know, and the lenders were there

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to attend the show and they'd come stop by your booth.

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So it's taken some getting used to doing, doing the shows, like a little, you

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know, like we'll, we'll have a booth and then they also have a booth too.

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Like it's, it's, it's different.

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It's a lot different.

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I did, I did get a little inside info on this new, like the credit reporting.

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Other, was it, it's the big one.

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I'm blanking on their name.

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Equa.

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Equifax.

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Equifax.

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Thank you.

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Equifax.

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Yeah.

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That's the big one.

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Then we got FICO, TransUnion.

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Oh yeah.

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FICO, TransUnion.

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Well, so the big three Equifax.

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Anyways, they started tearing like the, you know, you get charged for

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getting your credit report, your credit ran, right?

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When you go over a loan.

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So now they're putting all the lenders in tiers based on basically how many they order.

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Based on volume.

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Yeah.

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Based on volume.

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Right.

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00:06:32,120 --> 00:06:36,640
Well, what was interesting is that the stat I heard was roughly 92%

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of the lenders are in like tier three.

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Like over 90% of your lenders are in tier three, meaning that their fees

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are running these credit reports.

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They have to pass on.

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Are higher than tier one or tier two.

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Now tier one is like examples like V of A or Rockets or UWM.

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What kind of volume do you have to be doing to bump up tier two or two?

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Yeah.

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Mods.

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So like you can essentially like all brokers are in tier three.

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You know, I forget, I had someone had told me an example of tier two, but

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it's such a, I mean, it's such a small pool and it's really going to, it's going to affect

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how these lenders can sell their, you know, their, their, uh, their loan programs rather.

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Cause like it's just a little extra added costs to pass on to the, to the lender, to the borrower.

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So it'll be interesting to see some of the games.

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I've already seen some of the lenders starting to play this game.

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Like on LinkedIn, you can see their advertising, you know, what their fees are for, for the

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credit, running credit, how some of these wholesale lenders are trying to attract new

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brokers by cutting that cost.

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There's just, I guess everybody's trying to still kind of navigate it, but it was

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interesting to hear that that's how these guys were approaching it.

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Are your chiefs going to be going to have a problem with the bills in Atlanta?

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I mean, if that is what plays out, I mean, we're getting out of the

167
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So, so no, um, honestly, so like it's a weird scenario.

168
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No home field advantage for either of you guys.

169
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And you both love that.

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I would honestly rather play the bills.

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I think we could, we've already beat the bills two years in a row in the playoffs.

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I know they beat us in the regular season, but the past two years we beat them in the

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playoffs.

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We have a hard time with Cincinnati.

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I don't know what it is about the Bengals and on it, like, they just lost like a starting

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tackler, starting guard, but they're still going to be playing the game.

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So on it, like a starting tackler, starting guard, but that was the same story with them

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last year, last year.

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They're they're offensive line was struggling.

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Everybody was getting pressure on Joe burrow and then they play us.

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And we cannot sack the guy.

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We cannot say like something about, I don't know what it is about defensive line.

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We are the only team that cannot pressure Joe burrow and it drives me insane.

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Hollywood Joe, gosh, but we, um, my wife loves him, he's like, he's so

185
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I went ahead and bought tickets.

186
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So like, because I got season tickets.

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Oh, you get your season playoff.

188
00:09:04,960 --> 00:09:07,840
Yeah, so for the Atlanta game, in case it happens,

189
00:09:07,840 --> 00:09:09,300
so you could start booking stuff,

190
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they already released those tickets.

191
00:09:10,960 --> 00:09:13,480
It was the same price as if it would have been a Darrowhead.

192
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So that was no different.

193
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And then, like, I got miles on flights.

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And then, so all I've had to pay for that would be different

195
00:09:22,320 --> 00:09:28,640
so far was I booked a hotel room that I can cancel within two days of the reservation.

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If obviously, if the Bengals win, the game's gonna be an Arrowhead.

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As long as we beat the Jags, like, this is all, you know, I don't want to get our arrows.

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We still got to beat the Jags.

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But so now I'll be taking, I'll be taking G-Money to Atlanta for that game.

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00:09:41,640 --> 00:09:44,240
Just fly in Sunday morning, fly back Monday morning.

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00:09:44,240 --> 00:09:46,760
If it does happen, I think it'd be a cool experience.

202
00:09:46,760 --> 00:09:49,200
It's almost kind of like going to a mini Super Bowl, you know?

203
00:09:49,200 --> 00:09:50,840
Yeah, that would be really cool.

204
00:09:50,840 --> 00:09:52,680
I mean, it would be a tough game all together.

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00:09:52,680 --> 00:09:56,440
We were just, me and my family were in the Poconos watching.

206
00:09:56,440 --> 00:10:00,760
We do this, like, delayed Christmas because we all have our extended families.

207
00:10:00,760 --> 00:10:06,880
And so we all get to meet up on MLK weekend up there for like three or four days.

208
00:10:06,880 --> 00:10:11,280
And my brother, I had it, I did not have a team in the fight, of course,

209
00:10:11,280 --> 00:10:14,400
because my Browns, you know, they threw it away the last two games.

210
00:10:14,400 --> 00:10:19,720
But my brother is a Niners fan and my other brother is a Bills fan.

211
00:10:19,720 --> 00:10:22,320
They're both rocking their jerseys, of course.

212
00:10:22,320 --> 00:10:24,120
And so, you know what? How's that guy?

213
00:10:24,120 --> 00:10:26,160
I brought my Browns jersey and I put it on.

214
00:10:26,160 --> 00:10:29,200
I'm like, look, I'm the guy in the stadium that doesn't.

215
00:10:29,200 --> 00:10:32,760
Be proud. Yeah. I'm just, yeah, I'm just here.

216
00:10:32,760 --> 00:10:36,160
Really not wearing any team that's playing right now.

217
00:10:36,160 --> 00:10:38,800
Make fun of me all you want.

218
00:10:38,800 --> 00:10:44,640
Be proud. Oh, so I did want to break a little news to you, my friend.

219
00:10:44,640 --> 00:10:47,040
You'll like this. My our boss doesn't even know yet.

220
00:10:47,040 --> 00:10:50,680
So he's going to find out after this. I got to call him.

221
00:10:50,680 --> 00:10:53,800
I'm going down at the end of this month

222
00:10:54,280 --> 00:10:57,800
for to play for Team USA.

223
00:10:57,800 --> 00:10:59,400
I guess Panama.

224
00:10:59,840 --> 00:11:02,000
Lacing them back up again.

225
00:11:02,000 --> 00:11:03,960
Football. Yeah.

226
00:11:03,960 --> 00:11:06,800
Like, oh, like I got

227
00:11:06,800 --> 00:11:10,000
they're sending me the helmet and everything will be here like tomorrow

228
00:11:10,000 --> 00:11:12,320
with the whole nine. Yeah.

229
00:11:12,320 --> 00:11:17,680
Send me some pictures. It's wild. I got asked in December before Christmas,

230
00:11:17,680 --> 00:11:20,480
like mid-December, and I was going back and forth like, can I still throw?

231
00:11:20,480 --> 00:11:22,680
Can I still do all this stuff?

232
00:11:22,680 --> 00:11:25,520
So I messed around, you know, went out, threw around

233
00:11:25,520 --> 00:11:28,760
with some people around here and.

234
00:11:28,760 --> 00:11:31,200
Yeah, I'm going to see how it goes.

235
00:11:31,200 --> 00:11:34,080
Oh, my. So Captain America over here.

236
00:11:34,080 --> 00:11:37,320
Let's go. So what's cool is like this organization,

237
00:11:37,720 --> 00:11:40,000
AFE, they're called AFE USA.

238
00:11:40,000 --> 00:11:43,720
So they have like a men's team, a women's team, and they go and represent

239
00:11:44,280 --> 00:11:48,240
the US all across the world, playing against different teams

240
00:11:48,240 --> 00:11:50,000
for from different countries. Right.

241
00:11:50,000 --> 00:11:52,400
But while they're there, like you're there for like four or five days,

242
00:11:52,400 --> 00:11:55,920
wherever you're at and you go and you work with

243
00:11:57,200 --> 00:12:01,680
like children's hospitals or little groups that have to do

244
00:12:01,680 --> 00:12:03,880
with like people that are like what less fortunate.

245
00:12:04,320 --> 00:12:06,640
Like you're bringing donations to them.

246
00:12:06,640 --> 00:12:09,920
You're working with them like, you know, you're reading to a kid,

247
00:12:10,720 --> 00:12:12,880
probably with a translator because we'll be in Panama.

248
00:12:13,160 --> 00:12:15,920
But it's still it's still cool.

249
00:12:17,200 --> 00:12:20,040
So you're representing, you know, the country and then you're

250
00:12:20,200 --> 00:12:23,440
you do a little like mini camp with kids one day.

251
00:12:24,080 --> 00:12:28,120
And then this game will be on like, I guess it'll be on like their

252
00:12:28,480 --> 00:12:30,320
ESPN deportes down there.

253
00:12:30,480 --> 00:12:33,360
And then it'll be streaming on YouTube and Hulu, I think.

254
00:12:33,840 --> 00:12:35,680
And the Ocho in the Ocho.

255
00:12:35,680 --> 00:12:36,680
Yeah, of course.

256
00:12:38,480 --> 00:12:40,480
It'll be in Obscure Sports Weekly.

257
00:12:42,360 --> 00:12:44,840
So, yeah, I mean, at first I was like,

258
00:12:45,040 --> 00:12:47,280
what if I get hit like really hard?

259
00:12:48,320 --> 00:12:52,360
And can I? But, you know, because I'm 40 now, I guess

260
00:12:52,560 --> 00:12:56,160
everybody tells me it's downhill from here, but forget that, man.

261
00:12:56,680 --> 00:12:58,480
You're the next Falco.

262
00:12:58,480 --> 00:13:01,640
Go Falco. Go Falco.

263
00:13:01,640 --> 00:13:05,040
So I guess I got to I got to take off

264
00:13:05,040 --> 00:13:07,480
like four days the beginning of February.

265
00:13:08,840 --> 00:13:12,800
Are you like the million dollar question is, is are you like

266
00:13:12,840 --> 00:13:16,480
pegged to be the starter or are you like a backup or?

267
00:13:16,600 --> 00:13:19,400
I'm I'm slotted as QB one right now.

268
00:13:21,160 --> 00:13:22,160
No pressure.

269
00:13:23,040 --> 00:13:26,960
So I know the OC like he I was during Covid.

270
00:13:27,440 --> 00:13:30,960
I was out went out and we had a lot of extra time on our hands

271
00:13:30,960 --> 00:13:32,160
because I couldn't travel.

272
00:13:32,160 --> 00:13:36,440
So I went and did some throw around these camps

273
00:13:36,440 --> 00:13:39,200
for like a semi pro team in Northern Virginia.

274
00:13:39,200 --> 00:13:43,600
And this is the this OC is now the OC for this USA team.

275
00:13:44,840 --> 00:13:45,760
So he gave me a shout.

276
00:13:45,760 --> 00:13:48,000
He's like, look, he goes, you know, all these guys,

277
00:13:48,760 --> 00:13:51,400
you want to come out, you want to check it out.

278
00:13:51,400 --> 00:13:52,840
It's like you think you still do it.

279
00:13:52,840 --> 00:13:55,120
I'm like, yeah, let's go. Let's ride.

280
00:13:55,720 --> 00:13:57,320
You need a receiver, bro.

281
00:13:57,320 --> 00:13:58,920
Six six still can move.

282
00:13:58,920 --> 00:14:02,080
Let's let's like gliding across the ground.

283
00:14:02,360 --> 00:14:04,960
Actually, there's I guess I can still move, dude.

284
00:14:05,000 --> 00:14:06,840
I guess I still got the wheels.

285
00:14:06,840 --> 00:14:09,160
Yeah, I seen you kick the ball.

286
00:14:09,880 --> 00:14:12,160
And you saw that for you guys did a kicker.

287
00:14:12,360 --> 00:14:14,120
You did it. You didn't pull the muscle.

288
00:14:14,120 --> 00:14:16,440
Oh, I'll give you that.

289
00:14:16,440 --> 00:14:18,320
In wingtips.

290
00:14:18,320 --> 00:14:20,200
And the form was just beautiful.

291
00:14:20,200 --> 00:14:22,040
I mean, it was a suit.

292
00:14:22,040 --> 00:14:24,040
Yeah, I'm a threat, man.

293
00:14:24,040 --> 00:14:28,640
Like, you know, six six to 15 still got the hands still have some speed.

294
00:14:28,880 --> 00:14:29,640
Like, let's do this.

295
00:14:29,640 --> 00:14:31,720
Just throw me that fade in the corner all day.

296
00:14:31,720 --> 00:14:33,320
It'll just be vaping on the sideline.

297
00:14:33,320 --> 00:14:34,440
All right. I'm ready. Let's go.

298
00:14:34,440 --> 00:14:37,200
Yeah. Like Mike McDaniels vaping on the sideline.

299
00:14:37,200 --> 00:14:39,560
Did you see him? That was crazy.

300
00:14:39,560 --> 00:14:41,160
Was he really vaping?

301
00:14:41,160 --> 00:14:42,880
Dude, yeah, he is one of us.

302
00:14:42,880 --> 00:14:45,440
He's just like super slow mo up to his mouth.

303
00:14:45,960 --> 00:14:47,920
Well, it's like who's the dude?

304
00:14:47,920 --> 00:14:50,080
What's the floor? The guy for the Packers.

305
00:14:50,080 --> 00:14:52,120
He's always got a fat dip in.

306
00:14:52,120 --> 00:14:53,040
You ever notice that?

307
00:14:53,040 --> 00:14:55,000
Yeah, always got a fat dip in.

308
00:14:55,000 --> 00:14:57,480
Like, it's funny how like the cameras always try to hide it.

309
00:14:57,480 --> 00:15:00,720
Like on some golf tournaments, like Augusta, they'll catch like the caddy,

310
00:15:01,040 --> 00:15:04,000
you know, ripping a love dart and then like, you know,

311
00:15:04,000 --> 00:15:05,760
but you never see it on the NFL side.

312
00:15:05,760 --> 00:15:08,000
If I fight potatoes like this was stressful.

313
00:15:09,160 --> 00:15:11,320
And they get their nicotine sacks.

314
00:15:11,320 --> 00:15:13,040
So we are Charlie.

315
00:15:13,040 --> 00:15:14,520
I need numbers in my life.

316
00:15:14,520 --> 00:15:16,200
Give me some numbers.

317
00:15:16,200 --> 00:15:18,200
I know you like numbers. You're weird.

318
00:15:18,200 --> 00:15:21,920
I am. Hey, this is this is the degree back here for accounting.

319
00:15:21,920 --> 00:15:24,200
If I can. The opposite.

320
00:15:24,200 --> 00:15:26,160
Oh, I know. Yeah.

321
00:15:26,160 --> 00:15:28,280
Still weird, bro. All right. Numbers.

322
00:15:28,280 --> 00:15:29,720
Give me the numbers.

323
00:15:29,720 --> 00:15:31,320
So let's see.

324
00:15:32,880 --> 00:15:35,040
Checking out some recent Zillow data.

325
00:15:35,720 --> 00:15:38,320
All right. Start the year off.

326
00:15:38,320 --> 00:15:41,920
They said that homes sold above list price fell.

327
00:15:42,760 --> 00:15:46,040
Home sold above list price fell 28%, which is the lowest rate

328
00:15:46,480 --> 00:15:48,520
since June of 2020.

329
00:15:48,520 --> 00:15:50,400
OK. All right. Encouraging.

330
00:15:50,400 --> 00:15:52,040
We're sort of normalizing. Exactly.

331
00:15:52,040 --> 00:15:55,000
It was a whole article on being normalization of the market.

332
00:15:55,360 --> 00:15:58,800
Nice. Nice. Not as much of a seller's market, even though it still

333
00:15:59,240 --> 00:16:00,240
definitely is.

334
00:16:00,240 --> 00:16:03,280
But you know, rates are fluctuating a little bit here and there, but in there,

335
00:16:04,240 --> 00:16:05,080
they'll drop down.

336
00:16:05,080 --> 00:16:09,160
So it's attractive enough, but not enough for like, you know, the millennials.

337
00:16:09,160 --> 00:16:12,240
There's a huge another article I read about millennials,

338
00:16:12,240 --> 00:16:17,880
just like 60% of them or 70% saying they're not even entertaining it right now.

339
00:16:18,440 --> 00:16:20,280
Yeah. That's a huge buyer.

340
00:16:20,280 --> 00:16:22,480
That's a huge bracket of buyers. Right.

341
00:16:22,960 --> 00:16:24,200
Let's see. What else we got?

342
00:16:24,200 --> 00:16:27,440
Some some other hot takes.

343
00:16:27,440 --> 00:16:28,800
Or magic mortgage.

344
00:16:28,800 --> 00:16:31,360
Or magic mortgage numbers.

345
00:16:31,360 --> 00:16:35,920
So as you know, over the last year, we've seen a lot of investment properties,

346
00:16:35,920 --> 00:16:39,400
a lot of Airbnbs appraisals being ordered, that kind of thing.

347
00:16:39,600 --> 00:16:42,280
So we're finally seeing some data on that.

348
00:16:42,280 --> 00:16:46,840
Individual owners account for approximately 72 and a half percent

349
00:16:47,320 --> 00:16:49,560
of single family rental homes.

350
00:16:49,560 --> 00:16:52,680
Right. So then you sprinkle in all the LLCs

351
00:16:53,120 --> 00:16:58,240
and that accounts for about 85, 86% of the homeowners for rental properties.

352
00:16:58,240 --> 00:17:03,240
So that's that's pretty significant because there's so many major corporations

353
00:17:03,240 --> 00:17:06,680
out there that have the REITs that have been trying to gobble up just entire

354
00:17:06,680 --> 00:17:08,880
communities. Oh, yeah.

355
00:17:08,880 --> 00:17:13,920
Mutual funds, investments, investment firms like they are heavy in the market,

356
00:17:13,920 --> 00:17:16,040
purchasing up properties like crazy right now.

357
00:17:16,040 --> 00:17:18,440
Yeah. And like they're trying to push legislation.

358
00:17:18,440 --> 00:17:21,680
Like how many states are trying to push through legislation on Airbnbs

359
00:17:21,680 --> 00:17:25,720
and trying to find a way to get more regulation in that that field in that market?

360
00:17:26,160 --> 00:17:29,520
So many. Actually, I've got a personal story for that.

361
00:17:29,520 --> 00:17:33,680
Like I have a rental property in North Carolina and Greensboro.

362
00:17:34,360 --> 00:17:36,840
And so each city is trying to figure it out.

363
00:17:37,280 --> 00:17:38,720
Charlotte has their own thing.

364
00:17:38,720 --> 00:17:40,760
Raleigh has their own thing.

365
00:17:40,760 --> 00:17:44,560
Winston is kind of going along with what Charlotte did, it looks like.

366
00:17:45,240 --> 00:17:47,400
Now, Greensboro hasn't had anything going on

367
00:17:47,400 --> 00:17:51,720
except for they want you to to this point, they've wanted you to kind of abide

368
00:17:51,720 --> 00:17:54,600
by the rules of. What's it called?

369
00:17:56,200 --> 00:17:58,320
Like a bed and breakfast.

370
00:17:58,320 --> 00:18:01,560
So like they actually want the owner to be living there

371
00:18:01,560 --> 00:18:03,280
for a certain amount of the year.

372
00:18:03,280 --> 00:18:06,680
I'm like, I haven't lived in North Carolina in like 12 years.

373
00:18:07,680 --> 00:18:09,920
So it's been a long term rental up until now.

374
00:18:10,360 --> 00:18:14,640
And now it's flipped over to AirBnb only because they're going to kind of

375
00:18:14,640 --> 00:18:16,520
loosen up on that.

376
00:18:16,520 --> 00:18:19,440
And so we'll see. I mean, there's a lot of like the final four

377
00:18:19,440 --> 00:18:22,600
will be there in Greensboro, the men's final four tournament.

378
00:18:23,360 --> 00:18:24,240
Really? Yeah.

379
00:18:24,240 --> 00:18:26,960
A couple of other like playing brackets as well.

380
00:18:27,160 --> 00:18:28,880
And then for the women as well.

381
00:18:28,880 --> 00:18:32,000
There's a lot of activities going on down there, believe it or not. So.

382
00:18:33,240 --> 00:18:35,960
But yeah, that's they've been trying

383
00:18:36,360 --> 00:18:41,520
a lot of the whole city wants it to be really hard to be an Airbnb.

384
00:18:42,000 --> 00:18:43,160
To your point there.

385
00:18:43,160 --> 00:18:47,920
Yeah, but I think the voting is going the other way. I hope otherwise.

386
00:18:48,200 --> 00:18:49,960
Otherwise, I got to find a runner.

387
00:18:49,960 --> 00:18:51,960
Lastly, I think another one I found was pretty good was,

388
00:18:53,080 --> 00:18:55,000
you know, over the last couple of years,

389
00:18:56,120 --> 00:18:58,800
houses, they wouldn't even hit the market, right?

390
00:18:58,800 --> 00:19:03,080
They would never like a true listing would be maybe just up as a formality.

391
00:19:03,080 --> 00:19:04,560
And it's already sold. Yeah.

392
00:19:04,560 --> 00:19:09,760
So looks like Zillow's saying that it's taken roughly about 30 days now

393
00:19:09,760 --> 00:19:16,120
to sell a house compared to like six days last year.

394
00:19:16,800 --> 00:19:18,880
Yeah. Days on market rising.

395
00:19:18,880 --> 00:19:20,600
Yeah. Yeah.

396
00:19:20,600 --> 00:19:23,640
Well, I mean, I'll say from an L.O.

397
00:19:23,640 --> 00:19:27,280
standpoint and a realtor standpoint, they don't love that. But I.

398
00:19:28,280 --> 00:19:31,360
From our standpoint, I personally think it's so much.

399
00:19:31,480 --> 00:19:33,280
It helps us.

400
00:19:33,280 --> 00:19:36,600
And well, it's hopefully an indication that there's more inventory out there.

401
00:19:36,600 --> 00:19:40,440
Yeah. But that's definitely not the case in some areas.

402
00:19:40,440 --> 00:19:43,440
It's still nutty, especially depending where you are and what price range

403
00:19:43,440 --> 00:19:45,320
you're looking at. Right.

404
00:19:45,320 --> 00:19:48,000
There's a lot of that, you know, around me in Northern Virginia, too.

405
00:19:48,000 --> 00:19:49,960
It's it still hasn't.

406
00:19:50,840 --> 00:19:52,200
It still hasn't corrected.

407
00:19:52,200 --> 00:19:53,560
It's correct a little bit.

408
00:19:53,560 --> 00:19:56,640
Seen a lot of get all the little alerts about price cuts

409
00:19:56,640 --> 00:20:00,760
because we randomly will look at houses in the area soon to see if we want to change.

410
00:20:01,120 --> 00:20:05,400
But it's you know, price cuts of like 20 grand, 30 grand.

411
00:20:05,400 --> 00:20:08,880
And it's still crazy expensive for what you're looking at.

412
00:20:08,880 --> 00:20:14,360
Hey, one one stat I thought that we got that is pretty amazing.

413
00:20:14,360 --> 00:20:17,680
Five million new business applications were filed in 2022.

414
00:20:17,680 --> 00:20:19,960
Fourteen thousand a day.

415
00:20:19,960 --> 00:20:22,560
Hey, so what are me and you what are we going to do?

416
00:20:22,560 --> 00:20:25,480
Like we need to start a business.

417
00:20:25,480 --> 00:20:27,840
And these Americans are entrepreneurs, baby.

418
00:20:28,240 --> 00:20:29,760
Well, that's yeah.

419
00:20:29,760 --> 00:20:32,200
That's the trend. Like you've heard it over the last couple of years.

420
00:20:32,200 --> 00:20:36,080
Like guys like Gary Vee and a couple of those other guys on like Spotify

421
00:20:37,720 --> 00:20:44,440
in their own platforms, like pushing the agenda of a go out and be your own person,

422
00:20:44,440 --> 00:20:45,800
be your own boss.

423
00:20:45,800 --> 00:20:49,040
The college experience is not necessarily for everyone.

424
00:20:49,040 --> 00:20:50,680
And I can attest to that.

425
00:20:50,680 --> 00:20:52,120
It's that is true.

426
00:20:53,360 --> 00:20:57,760
But that is a crazy amount of new applications for like LLCs.

427
00:20:58,080 --> 00:20:59,320
Yeah, yeah, that's wild.

428
00:20:59,320 --> 00:21:03,040
I mean, you know, you don't know it's obviously five million new businesses.

429
00:21:03,040 --> 00:21:05,400
How many of those are going to succeed to make it to your two?

430
00:21:05,400 --> 00:21:09,480
But I mean, still, it's people are trying to do something.

431
00:21:09,480 --> 00:21:12,360
People are trying to to get something going to their own.

432
00:21:12,360 --> 00:21:14,040
You know, good, good for us, man.

433
00:21:14,040 --> 00:21:18,160
Like we need to can we legitimize this podcast?

434
00:21:18,160 --> 00:21:19,640
Can we make this our own LLC?

435
00:21:21,640 --> 00:21:24,480
I believe we are too connected to our parents company.

436
00:21:24,480 --> 00:21:27,640
We might be a few hoops to jump through there.

437
00:21:27,640 --> 00:21:29,440
But but I'm with you.

438
00:21:29,440 --> 00:21:32,480
Like I've got an LLC that I started, I think, during COVID.

439
00:21:32,480 --> 00:21:36,280
But it wasn't so I wasn't a part of that, you know, five million last year.

440
00:21:36,280 --> 00:21:41,480
But yeah, I think that's I think that's still the residual effect from the COVID, though.

441
00:21:41,480 --> 00:21:43,840
People being at home and trying to think outside the box.

442
00:21:43,840 --> 00:21:47,200
Yeah. And like Etsy, Etsy blew up.

443
00:21:48,200 --> 00:21:50,600
Now my my own my daughter's found Etsy.

444
00:21:50,600 --> 00:21:54,200
Like she's trying to put all these stuff in her cart to like reorganize her playroom

445
00:21:54,200 --> 00:21:55,200
or an hour player.

446
00:21:55,200 --> 00:21:57,800
It's going to be a chill room.

447
00:21:58,800 --> 00:22:04,600
Brown, like I have a confession to make to the like I recently got back into card

448
00:22:04,600 --> 00:22:08,800
collecting. Have I talked about this like sports cards?

449
00:22:08,800 --> 00:22:11,600
Yeah. So all right.

450
00:22:11,600 --> 00:22:15,200
So my family situation is slightly complicated.

451
00:22:16,200 --> 00:22:19,800
You know, like I got my daughter, obviously not with her mother.

452
00:22:19,800 --> 00:22:25,000
She's been long remarried and they have a son who's like four years younger than me.

453
00:22:25,000 --> 00:22:28,400
Three, four years younger and grace and like he's cool.

454
00:22:28,400 --> 00:22:29,800
Levi's cool. He's my dog.

455
00:22:29,800 --> 00:22:34,600
And he is at that age, 10, where he's super into collecting cards.

456
00:22:34,600 --> 00:22:36,000
And so he was talking to me about it.

457
00:22:36,000 --> 00:22:38,000
I was like, man, I got to see if I could find my own collection.

458
00:22:38,000 --> 00:22:44,200
So I dug through the house, found my box, found a bunch of my cards from when I was a kid that I've kept.

459
00:22:44,200 --> 00:22:46,200
And obviously, it's not the collection I once had.

460
00:22:46,200 --> 00:22:49,600
You know, like obviously things happen as you get older, but it was like my chiefs cards,

461
00:22:49,600 --> 00:22:52,200
my royal cards and some other random stuff.

462
00:22:52,200 --> 00:22:55,600
And then he was kind of teaching me about like how you buy them now.

463
00:22:55,600 --> 00:22:56,400
Because do you remember being a kid?

464
00:22:56,400 --> 00:23:00,000
Like they were like just the packs at the checkout line at the grocery store.

465
00:23:00,000 --> 00:23:01,000
You know, you were everywhere.

466
00:23:01,000 --> 00:23:03,000
With the one single stick of gum in it.

467
00:23:03,000 --> 00:23:04,600
Yeah, you got the Zuka gum.

468
00:23:04,600 --> 00:23:06,000
Yeah.

469
00:23:06,000 --> 00:23:07,600
But now it's different, man.

470
00:23:07,600 --> 00:23:09,400
You don't really buy individual packs.

471
00:23:09,400 --> 00:23:13,200
You have to buy them by the boxes and there's different size boxes like hanger boxes,

472
00:23:13,200 --> 00:23:15,600
mega boxes, hobby boxes.

473
00:23:15,600 --> 00:23:17,800
And it's kind of a wild world.

474
00:23:17,800 --> 00:23:22,200
But I've been hitting the eBay up, kind of keep my eye on certain things.

475
00:23:22,200 --> 00:23:26,400
And like the other day, I probably paid too much for it, but it worked out.

476
00:23:26,400 --> 00:23:30,600
I bought like two small boxes of 2017 cards.

477
00:23:30,600 --> 00:23:33,000
Now, you know what your 2017 was?

478
00:23:33,000 --> 00:23:35,200
That was Mr. Patrick Mahomes rookie year.

479
00:23:35,200 --> 00:23:36,400
Oh, draft year.

480
00:23:36,400 --> 00:23:37,000
Yeah.

481
00:23:37,000 --> 00:23:38,800
So that's what I was digging for.

482
00:23:38,800 --> 00:23:42,200
And I came out with two Patrick Mahomes rated rookie cards.

483
00:23:42,200 --> 00:23:45,400
And I was just like, let's go.

484
00:23:45,400 --> 00:23:45,800
Right.

485
00:23:45,800 --> 00:23:50,200
So did you look up the value?

486
00:23:50,200 --> 00:23:50,600
Yeah.

487
00:23:50,600 --> 00:23:55,200
So like, and that's the other thing now is like, so the cards are raw because they're

488
00:23:55,200 --> 00:23:56,200
not graded.

489
00:23:56,200 --> 00:23:58,400
You have to send them to like PSA or one of these.

490
00:23:58,400 --> 00:23:58,800
Yeah.

491
00:23:58,800 --> 00:23:59,800
You grade them.

492
00:23:59,800 --> 00:24:01,200
And that's what kind of ups the value.

493
00:24:01,200 --> 00:24:04,400
But it costs like 30, 40 bucks a card to get graded.

494
00:24:04,400 --> 00:24:07,000
But like a PSA graded one, it depends.

495
00:24:07,000 --> 00:24:12,200
Like they range going from anywhere from sometimes only 80, 90 bucks to like 250, 300, 500,

496
00:24:12,200 --> 00:24:14,600
because it's not, it's just the rated rookie.

497
00:24:14,600 --> 00:24:18,400
So it's not like a numbered card because sometimes you can get like the special edition ones

498
00:24:18,400 --> 00:24:22,800
where it shows on the card like one of 50, 17 of 50.

499
00:24:22,800 --> 00:24:25,200
Like those are the ones that really go for the big money.

500
00:24:25,200 --> 00:24:28,400
Like there was a decent novice rated rookie, but still a good card to have.

501
00:24:28,400 --> 00:24:28,800
That's cool.

502
00:24:28,800 --> 00:24:29,200
Yeah.

503
00:24:29,200 --> 00:24:30,200
My brother does that.

504
00:24:30,200 --> 00:24:31,800
Yeah, it's fun.

505
00:24:31,800 --> 00:24:32,200
It's fun.

506
00:24:32,200 --> 00:24:35,400
Maybe, maybe, you know, get lucky, get something that's really worth something.

507
00:24:35,400 --> 00:24:37,200
Just buy a pack or a box here and there.

508
00:24:37,200 --> 00:24:37,600
Yeah.

509
00:24:38,800 --> 00:24:39,600
He got real lucky.

510
00:24:39,600 --> 00:24:44,400
His, his neighbor was, was really old and he was trying to find.

511
00:24:44,400 --> 00:24:47,600
He had these boxes, you know, like the big boxes used for like files.

512
00:24:47,600 --> 00:24:50,000
So he had them in his basement, right?

513
00:24:50,000 --> 00:24:53,800
Yeah, like five high, like three deep.

514
00:24:53,800 --> 00:24:56,000
And the guy's like, take what you want.

515
00:24:56,000 --> 00:24:58,600
Why old vintage cards?

516
00:24:58,600 --> 00:24:59,800
Yeah, a bunch of them.

517
00:24:59,800 --> 00:25:05,000
So basically my nephew, if baseball doesn't really work out for him for his scholarship,

518
00:25:05,000 --> 00:25:06,800
he's set up.

519
00:25:06,800 --> 00:25:09,000
He doesn't, he won't have to pay for any college.

520
00:25:09,000 --> 00:25:11,600
He's gotten a bunch of them are rated.

521
00:25:11,600 --> 00:25:15,400
He's had them in a safe, like in a safety deposit box kind of deal.

522
00:25:15,400 --> 00:25:16,000
Oh, yeah.

523
00:25:16,000 --> 00:25:19,400
Like they're, dude, it's like, what was the one he had?

524
00:25:19,400 --> 00:25:21,400
It's like Yogi Berra.

525
00:25:21,400 --> 00:25:26,000
And like, yeah, it's insane.

526
00:25:26,000 --> 00:25:29,400
My brother goes back to the guy and he's like, look, I feel terrible.

527
00:25:29,400 --> 00:25:31,200
I have to give you something for this.

528
00:25:31,200 --> 00:25:36,200
And he's like, the guy's, the guy's like, no, he's like, just come talk baseball with me for a little bit.

529
00:25:36,200 --> 00:25:38,000
I'm like, this is like the story of the Sandlot.

530
00:25:38,000 --> 00:25:43,200
Like when the kid got the baseball and the old blind, old blind guys like, just come talk.

531
00:25:43,200 --> 00:25:47,600
I'm like, I just keep asking, like, can I, can I borrow like a box?

532
00:25:47,600 --> 00:25:49,000
Like just to see what's in there?

533
00:25:49,000 --> 00:25:51,600
Dude, but that's everyone's dream, man.

534
00:25:51,600 --> 00:25:53,200
I knew some guys that did that.

535
00:25:53,200 --> 00:25:56,200
They owned like a collectible store here in town back in the day.

536
00:25:56,200 --> 00:26:01,200
And they would get tips and calls on somebody anywhere in the country.

537
00:26:01,200 --> 00:26:04,200
And be like, hey, someone's got, you know, random box.

538
00:26:04,200 --> 00:26:10,400
And they would fly to people's houses, look through their box and then offer them a certain amount of money just for the whole box,

539
00:26:10,400 --> 00:26:12,600
you know, to see what kind of potential was in there.

540
00:26:12,600 --> 00:26:15,400
And then like, we'll give you a few hundred bucks for a whole box.

541
00:26:15,400 --> 00:26:21,400
And it's like, you find that one gym and it's, you know, a $10,000 card.

542
00:26:21,400 --> 00:26:22,400
Right. Done.

543
00:26:22,400 --> 00:26:27,400
That's another one of those things that that guy, Gary Vee was pushing on his agenda for the last couple of years.

544
00:26:27,400 --> 00:26:32,000
Go to a garage sale and go haggle with some people.

545
00:26:32,000 --> 00:26:36,200
Pick up as many of the cars as you can or little memorabilia stuff.

546
00:26:36,200 --> 00:26:38,400
See what they're selling for on eBay.

547
00:26:38,400 --> 00:26:39,800
Make a couple of bucks.

548
00:26:39,800 --> 00:26:42,400
Is Gary Vee the guy I see on like Instagram and stuff?

549
00:26:42,400 --> 00:26:45,000
He's kind of like a Jersey accent guy that does it.

550
00:26:45,000 --> 00:26:46,800
He wants to buy the New York Jets.

551
00:26:46,800 --> 00:26:47,800
Like, that's his thing.

552
00:26:47,800 --> 00:26:48,800
That guy's awesome.

553
00:26:48,800 --> 00:26:49,800
Yeah, he's awesome.

554
00:26:49,800 --> 00:26:51,600
No, he's a fun dude.

555
00:26:51,600 --> 00:26:53,400
He puts up so much content.

556
00:26:53,400 --> 00:27:01,000
He started like, he was like one of the first like YouTube bloggers, like did this thing like Wine Library back in the day.

557
00:27:01,000 --> 00:27:02,600
He's got his hand in a bunch of different stuff.

558
00:27:02,600 --> 00:27:05,600
But yeah, he's really cool.

559
00:27:05,600 --> 00:27:08,600
Like you can you can learn a lot for him.

560
00:27:08,600 --> 00:27:13,800
Like he's got so much energy.

561
00:27:13,800 --> 00:27:15,300
We should speak of energy.

562
00:27:15,300 --> 00:27:20,500
Let's let's let's blast some energy into this episode and get to your on this day.

563
00:27:20,500 --> 00:27:22,900
And I'm sorry, I mean, I told you I'm under the weather.

564
00:27:22,900 --> 00:27:24,500
I'm pushing through today.

565
00:27:24,500 --> 00:27:25,900
You can tell you can tell by my eyes.

566
00:27:25,900 --> 00:27:31,100
My eyes are like the windows to my soul. My soul does not feel well today.

567
00:27:31,100 --> 00:27:33,500
They say about dogs like dogs.

568
00:27:33,500 --> 00:27:35,000
Oh, geez.

569
00:27:35,000 --> 00:27:38,800
Don't talk about my dog knows when to bust out those puppy eyes when she wants a picture.

570
00:27:38,800 --> 00:27:39,800
So fresh. Oh, yeah.

571
00:27:39,800 --> 00:27:42,700
Always mine to work works on my daughter every time.

572
00:27:42,700 --> 00:27:50,600
I was like, you know, as a dad of a daughter, I feel like I've been hardened to that look because she used to do that stuff to be all the time.

573
00:27:50,600 --> 00:27:53,000
So, you know, that that kid look with their like, oh, yeah, man.

574
00:27:53,000 --> 00:27:57,300
Girl, that I was like, oh, I know exactly what you're doing.

575
00:27:57,300 --> 00:27:59,700
And now the answer is no.

576
00:27:59,700 --> 00:28:01,300
And then you still do it.

577
00:28:01,300 --> 00:28:02,600
Yeah, eventually.

578
00:28:02,600 --> 00:28:05,300
And I had to make it look like I delayed it.

579
00:28:05,300 --> 00:28:11,300
So it wasn't in direct effect or because of the eyes, you know, and the kid face.

580
00:28:11,300 --> 00:28:20,900
But, you know, on this day, January 27th, 20, the seventh continent of the world was discovered.

581
00:28:20,900 --> 00:28:23,700
Antarctica was discovered by a Russian expedition.

582
00:28:23,700 --> 00:28:30,900
Eighteen twenty Russia, Mother the USSR, the mother of Russia.

583
00:28:30,900 --> 00:28:40,100
Eighteen ninety four, the very first college basketball game, University of Chicago, beat Chicago, YMCA, 19 to 11.

584
00:28:40,100 --> 00:28:45,700
Barnburner offensive explosion.

585
00:28:45,700 --> 00:28:47,900
That's like before the three point line, probably.

586
00:28:47,900 --> 00:28:49,500
Oh, that's way before.

587
00:28:49,500 --> 00:28:51,500
Oh, yeah.

588
00:28:51,500 --> 00:28:52,800
Was it to like the 70s?

589
00:28:52,800 --> 00:28:53,800
Wasn't it?

590
00:28:53,800 --> 00:28:55,800
It was like a sandbag back then.

591
00:28:55,800 --> 00:28:59,600
Like, oh, man, Naismith was proud, though.

592
00:28:59,600 --> 00:29:06,900
1901 Pittsburgh Steelers, man, owner and founder was born Art Rooney.

593
00:29:06,900 --> 00:29:08,600
Welcome to this world, Art.

594
00:29:08,600 --> 00:29:10,500
Oh, yeah. You're a big Steelers fan, aren't you?

595
00:29:10,500 --> 00:29:16,000
No, they have a lot of choice words, but this is a family show, so I'm not going to bring it.

596
00:29:16,000 --> 00:29:19,400
Yeah, I was going to say, do you call them the blanksburg Steelers as well?

597
00:29:19,400 --> 00:29:21,800
Yeah, I got I got words for days.

598
00:29:21,800 --> 00:29:24,300
I get on my nerves.

599
00:29:24,300 --> 00:29:25,500
Ninety, I digress.

600
00:29:25,500 --> 00:29:30,300
Ninety forty five Soviet troops liberated Auschwitz.

601
00:29:30,300 --> 00:29:32,200
Good day. Good day.

602
00:29:32,200 --> 00:29:38,300
Good day. Yeah, I feel like the dates don't end well, but we're hitting like some positive stuff here at the bill.

603
00:29:38,300 --> 00:29:43,100
Nineteen seventy three, the Paris Accord was signed ending what war, Charlie?

604
00:29:43,100 --> 00:29:45,700
Oh, Vietnam.

605
00:29:45,700 --> 00:29:47,300
Good morning, Vietnam.

606
00:29:47,300 --> 00:29:49,200
Remember Robin Williams in that movie?

607
00:29:49,200 --> 00:29:51,800
Oh, yeah, that was killer.

608
00:29:51,800 --> 00:29:53,600
You remember Forrest Gump?

609
00:29:53,600 --> 00:29:57,300
Well, of course. Yeah, there's got to be.

610
00:29:57,300 --> 00:30:00,100
Where are you boys from? Alabama.

611
00:30:00,100 --> 00:30:01,800
I've been through Little Rock. It's good town.

612
00:30:01,800 --> 00:30:03,600
Bubblegum, Trump.

613
00:30:03,600 --> 00:30:07,700
Ah, 1984, I was two years old.

614
00:30:07,700 --> 00:30:12,600
Michael Jackson is burned during filming for a Pepsi commercial.

615
00:30:12,600 --> 00:30:13,800
What's wrong with Pepsi?

616
00:30:13,800 --> 00:30:15,400
They can't get anything right.

617
00:30:15,400 --> 00:30:17,200
They went nuts though in the advertising.

618
00:30:17,200 --> 00:30:19,800
Like did you watch that that Netflix special about the jet?

619
00:30:19,800 --> 00:30:27,400
The jet? I saw the I think I mean you talked about it previously and I watched the preview for it on Netflix.

620
00:30:27,400 --> 00:30:29,400
And yeah, it's crazy.

621
00:30:29,400 --> 00:30:32,100
It was it was the.

622
00:30:32,100 --> 00:30:34,100
It was a kid, a kid, right?

623
00:30:34,100 --> 00:30:36,300
Not a kid. It was the it was the Pepsi points.

624
00:30:36,300 --> 00:30:38,800
I specifically remember that commercial.

625
00:30:38,800 --> 00:30:40,800
I remember seeing it as a kid.

626
00:30:40,800 --> 00:30:43,100
I remember that. I remember that ad campaign.

627
00:30:43,100 --> 00:30:49,500
And yeah, like it said at the very end, like it was like one billion points or however many it was for the jet.

628
00:30:49,500 --> 00:30:50,900
And there was no disclaimer.

629
00:30:50,900 --> 00:30:55,000
And so they freaking I mean, they took it all the way the battle.

630
00:30:55,000 --> 00:30:57,800
But I remember the Coke Wars or soda wars, whatever you want to call them.

631
00:30:57,800 --> 00:31:04,500
Anyways, like remember how like hard Pepsi was pushing with all the celebrities that commercials and stuff.

632
00:31:04,500 --> 00:31:09,100
And obviously Michael Jackson, like it's that was that was a wild time for advertising.

633
00:31:09,100 --> 00:31:16,700
Is that the wonder if that's the start of like his whole skin transformation?

634
00:31:16,700 --> 00:31:23,000
Because I remember that I mean, I wasn't born yet, but I definitely remember hearing and seeing stuff about that when that happened.

635
00:31:23,000 --> 00:31:25,800
Yeah, that's crazy.

636
00:31:25,800 --> 00:31:28,300
All right. To round it up.

637
00:31:28,300 --> 00:31:37,600
1986, Saturday was the space shuttle Challenger incident.

638
00:31:37,600 --> 00:31:40,900
That silenced the country.

639
00:31:40,900 --> 00:31:44,600
They really did. That was one of those things that everybody just sat there with their jaws open.

640
00:31:44,600 --> 00:31:47,400
I was not a great dad.

641
00:31:47,400 --> 00:31:52,000
I couldn't I couldn't really find anything, you know, more current like this is where the dates are.

642
00:31:52,000 --> 00:31:54,200
You couldn't bring it back around after that one.

643
00:31:54,200 --> 00:31:57,200
No, no, we ended on a sad note.

644
00:31:57,200 --> 00:32:01,700
All right, well, I think I was I think it's enough rambling for us today.

645
00:32:01,700 --> 00:32:06,100
Had a great time. QB1. Take us home.

646
00:32:06,100 --> 00:32:07,800
Number one in your hearts, right?

647
00:32:07,800 --> 00:32:13,100
Oh, yeah. Make sure make sure you all go out like subscribe on YouTube.

648
00:32:13,100 --> 00:32:15,300
Click that little bell icon for us.

649
00:32:15,300 --> 00:32:18,500
Keep in the haps when all the new episodes are dropping.

650
00:32:18,500 --> 00:32:22,100
Check us out on IG, Facebook and tick tock.

651
00:32:22,100 --> 00:32:25,400
Eventually, we will do a tick tock takeover of sorts.

652
00:32:25,400 --> 00:32:29,400
We keep mentioning it and we just keep going doing it.

653
00:32:29,400 --> 00:32:31,100
But, you know, we'll get there.

654
00:32:31,100 --> 00:32:34,300
It's baby steps. It takes some time to get there.

655
00:32:34,300 --> 00:32:36,200
It takes a village takes a village.

656
00:32:36,200 --> 00:32:37,500
Well, that's what they say, right?

657
00:32:37,500 --> 00:32:39,100
Yeah. All right, man. It's been real.

658
00:32:39,100 --> 00:32:40,600
Thanks, everybody, for listening.

659
00:32:40,600 --> 00:32:43,500
We'll see you next time.

660
00:32:43,500 --> 00:33:08,500
At value nation podcast.

