So you're the thought process of everything,
and then you have a team of people that has expertise
in what you've thought of, and now you now have
all these things that you are passionate about.
Is that the way it goes? Sure. I'm a contributor.
Got it. I love that. Jason, so tell me more.
I see relief on your name. Tell me about relief
and then what you're working on now. So Relief
is what I'm working on now. So Relief is the
name of the app that we've launched. It basically
helps people that have fell behind on their bills.
Right now, if you fall behind on your bills,
you have to pick up the phone, you have to talk
to people, you have to answer annoying letters
in the mail. So we were like, look, there's an
app that can pick you up in any part of the world.
There's an app that can deliver you food. wherever
you are why isn't there an app that helps people
that have you know fell out of banking why isn't
there an app that you know takes the stress out
of financial financial issues as much as there
can be so we created the first one there is nice
and it's focused around the bills so in my mind
what i'm thinking if i went to the app i would
actually List the companies that actually have
bills with or how much I pay So how does that
app look and what are you supposed to put in
there in order for it to work better for us or
them? Yeah, so it actually does all that for
you. So you put in a little bit of your information
And it pulls all the data from your personal
financial life and it basically can identify
not only who what bills you owe and who they're
with but it identifies potential workouts that
you don't know exist deals that you can get with
each creditor depending on the situation that
you're in it's not it's different for everybody
of course but the app does it all for you so
you never have to pick up the phone and make
any phone calls to deal with the bills that you
fall behind on and that's crazy you know of course
as i mentioned my mind is just gonna go mad crazy
because i know And this is personal experience.
I'm doing better. I've done better. I'm in a
better place. However, you know, they say when
people call you about your bills or the collector,
it literally starts everything all over. So in
my mind, I'm like, I would love to have something
that's in that way that that doesn't restart
them contacting me and going and again, I guess,
abusing the fact that I do have a debt. So using
that app and being able to negotiate and. Because
I think that's the part people want to do. You
don't really want to pay the full price of what
you know you really owe. But with that being
said, then does it give you alerts and appointments
or how does that keep going and help you in the
long run? Yeah, so for people that are behind
on their bills right now, we're currently building
new features that expand this. But for right
now. It contacts the creditor for you in the
back end. It finds out what they would accept,
and it breaks down a payment plan that they're
willing to accept as well. And that all comes
from the creditor itself, whoever owns the debt,
without you having to do anything. And then once
we get that information and we get that approved
from the creditor, we submit that information
to the user so they have... the dates, where
to pay, and so on and so forth. What we're going
to be building very soon and we're working on
right now is all the alerts when your payments
due, certain payment rails so you can actually
make a payment through the app, and so on and
so forth. But right now, we wanted to start with
the sword of the issue, put the dagger right
in the heart of the issue, which is what type
of savings can I get right now and what type
of payment plan can I get for these bills that
have gotten overwhelming? And that's exactly
what the app does right now. But it also, you
know, it lets you know you're not alone. You
know, there's a lot of loss of dignity when it
comes to your finances. As you know, I'm aware,
too. I fell behind on my bills in my career.
You know, I'm an entrepreneur, you know, so I've
gotten kicked in the face a bunch of times. I
think the worst feeling of anything is that you're
just not a good person, you know. And one of
the messages that we are sharing is like, look,
you're not a bad person. you know, just because
you got into an issue with your bills. As a matter
of fact, one in three Americans have fell behind
on a bill right now. You know, inflation's got
all of our finances out of whack. Why isn't there
anything that can help us? And now there is,
you know, as far as automated and as far as in
an application. But you have to understand, like,
if you're going through this problem, like you're
worth more than your credit score. Absolutely.
Absolutely. You know, It's a cutesy thought.
You should have alerts that have positive affirmation
towards who they are and what they're doing.
That would be super cute. You know, it's interestingly
enough when you said that, that you say that
because we built the app to sort of be like a
very effective tool, but also at the same time
have this calming ability. So when you first
log on to the app, you see like. one of our characters
that we've created our amazing designers have
designed characters that sort of like float in
like a yoga pose so it's sort of like because
what happens when you fall behind on your bills
is everything gets chaotic the world around you
gets crazy the phone starts ringing the bills
start coming in the mail your significant other
is probably pissed at you or you're hiding it
from them that's a chaotic world so we wanted
a space that we can create in an app calm you
down so it's sort of like at a precipice of like
paying off your bills and getting real solutions
with like meditation on top of that so you can
calm down throughout the process because to be
honest with you these things are going to go
away you know life's too short you know this
is a fleeting moment all of its fleeting moments
That's why we feel so strongly of providing simple
tools, because let's just get back. Let's get
you back to living your best life. Yeah. Yeah.
And I know that that's often that phrase is often
used very loosely. But living your best life
is living worry free, you know, and and knowing
that things will get better. My favorite quote
is all will be well, regardless of the outcome.
It has to be well. So there's there is peace
in everything that we do. Also, making sure that
that piece isn't surface piece is core piece.
You know, it's that soulful kind of. Yeah. Where
all of these things don't have an effect on what
you do in your daily life and that you could
keep going. So I love the fact that it has that
calming sense to it when you enter it in, because
at the end of the day, it is a very stressful
thing. So I like that. I have a I have a question
for you. What's your why? My my a big piece of
my why is to everything that we're talking about
right now. motivates me to make people feel better
and so one of the leading causes of suicide in
our country and throughout the world are financial
problems you know one of the leading causes of
you know divorce in our country is due to financial
problems and we don't take that those emotions
and those situations lightly when with what we're
working on I don't take them lightly not only
do they keep me up at night motivating me to
think of new things to make it better but it
also helps me go to sleep knowing that we are
helping people right now since we've launched
the app over a hundred thousand people have downloaded
it and we're helping thousands and thousands
of people navigate these situations and the why
is is is is is basic principles to help our fellow
humans right have lived better lives like that.
That is why I'm doing this, because I want at
the end of the day to my time on this world to
be dedicated for something that's bigger than
just me. Right. And what other way that, you
know, for me to use my talents, my skills, my
network to put towards helping others in their
most stressful times. Absolutely. Absolutely.
It's so it's so interesting. And we're talking
about finances and all these things that really
just get us down. Very random statement I'm about
to make. I had no clue what was going on with
eggs. Right. I had no clue that we were low on
eggs and how much they cost or anything like
that. It's not because we don't. We don't actually
eat them. It's the fact of it's a necessity.
Right. That's something you need. So I say that
to say is that we have so many other problems
that we can't control. Right. We can't control
the prices of eggs. We can't control anything
sold in the store if it's a necessity. But in
the aspect of what you're building with relief,
you can find relief in your debt. Right. And
it can actually you can choose to do something.
at your own pace too with no one ever knowing
so i love that it's also very private right you
don't have to contact a credit specialist and
tell all of your business and give all so i love
that it's a it's a private thing it's a it's
still probably emotional but it's something that
you could do in your own time you know maybe
after meditate after the fact just to make the
day go better but what where did the name relief
come from So as one of my partners, I work with
the most soulful individuals. Like we've been
working on this project, even though we launched
eight months ago, we've been working on it for
almost four years. And one of the reasons why
we got together and I think our relationships
blossomed is because we put our heart and souls
on the table to develop this. And so early on,
one of my partners, my thought was that there
was a gentleman in that. committed suicide because
of his finances and I was gonna name the app
after this gentleman just to keep us on pace
and it you know it's it's it's it that's even
though it sounds great it's like well we wanted
to provide simplicity and what this means and
so relief is the feeling that you get when you
know something out there is built for you that
doesn't exist right now in this space right and
so you know i've had family members come to me
and i've been in and out of the industry for
the past almost 25 years and it's like even if
there's not a solution yet just to know that
you're doing something about it is this like
is this sense it's this light it's this light
sense and that sense is is relief and we do a
lot of like user focused testing and early on
like when we first launched the app we would
do these videos uh you know with the permission
of these the small groups we wanted to see how
the the the use the case studies would affect
people and one thing that was consistent with
each and every user that came to the app they
would they would download the app it would pop
up in front of their screen and you would see
them take this deep sigh and like sort of like
this just let it out and that sigh was of relief
so it's like it's the brand itself has its own
sort of you know relevancy to each individual
on the note of like that feeling you get when
you're like finally something that's like just
what you said you don't have to pick up the phone
i know this seems like a commercial for it but
like it's not you know this is actually like
the real because finances are such a pain in
the ass especially because not to go on a huge
rant right now but you have a situation where
from an outside perspective if you're if you're
part of the one percent or you live in a bubble
you you know there's a lot of finger pointing
you took out this money like you should pay it
back why should you get a deal and blah blah
blah but you're not what you're not taking into
consideration and inflation has caused everyday
bills to quadruple over the past five years which
is completely contributed to the overwhelming
delinquency. And if you couple that and compound
that on top of the fact that when we go to school,
we're not taught. Using a credit card might seem
simple, but it's a very advanced financial instrument.
It has a negative compounding effect. And people
don't understand what that is because you're
not taught in high school how to use a credit
card. It's crazy to me. You're taught how to
dissect a frog, right? But you're not taught
one of the most fundamental things you will do
every day in your life, which is like use plastic
to make purchases. And the cause and effect,
a lot of people just grow up without this, you
know, financial education. And these companies,
these big banks completely take advantage of
that. Right. They market to you. And if you obviously
going on a rant right now, but if you compound
that also on top of the fact that. as in america
we like want to keep up with the joneses and
like buy everything we are a nation full of consumers
this is the salad bowl of pain absolutely right
so like part of what we want to do is like you
know when you're at your most painful moments
because of all of these elements there's something
there that can pull you out and now that you've
gotten out don't go back Yeah. And I think that
you made some great points regarding schools
not teaching you about credit cards because they
definitely teach you how to apply for college.
And with that college comes a debt, you know.
I think it's like at 17 and a half or 18, the
mail starts coming in. Hey, get a credit card,
get a credit card. And then they go on to college
and debt on top of debt. And and you're right.
And then it's just a snowball effect. But it's
something like this that could actually help
out a family. Right. So now that I'm thinking
on a bigger scale, as you mentioned, kids in
in middle school and high school and where they
end up, I would be one of those parents like,
hey. check this out i can't do this today because
this is what i'm working on this is what mom
is trying to figure out how to do and it could
be a teaching it it could actually become a family
kind of thing and once the embarrassment and
and the relief comes out this is something to
now teach our children and we now have the ability
to do that within our homes and what that looks
like and the process that it takes and not necessarily
like you said having to use the telephone to
do it but using the telephone to show it you
know this is what i So I'm thinking, Jason, that
this is even bigger than you. This is bigger
than the team. This is like this could be something
that could be so amazing. Maybe the school can
start using that of showing what it looks like
to get out of debt or to understand the meanings
of these things. So, of course, like I said,
I always have these things on my mind, but I'm
like, this can go so far. So you have relief.
You have. You know, just so many other words
that can match that. I'd be like, hey, this is
this is really it. So I love it. I love it. I
love it. And I cannot wait to see it grow and
do more and probably be everything that I just
thought it could be right now. So it's it's and
you said the app is out already, right? okay
share with the audience where they can get the
app at where they can contact you and any social
media handles you have yeah the app is available
in the app store ios and google play store just
look up relief it's one of the top financial
apps right now that's trending in both categories
a lot of people rate us based on what their creditor
is doing. But we're not the creditor. We always
remind people like that's a big thing. It's like,
oh, this is a bad deal. It's like, well, it didn't
come from us. It came from the creditor. But
for most people, we're saving up to 50 % on people's
total debt. We just save somebody over 70 % of
their total debt, which is we celebrate all these
wins. So yeah, so if you're behind on your bills,
just give it a try. It's free to find out what
the app can potentially do for you. We take a
nominal fee that's guaranteed if you get savings.
So there's no money exchange unless you benefit
from it. So it's in the app. Download it today.
If you want if you are going through any type
of situation where you want to talk to me personally
and get some feedback. I love doing that. I do
it all day long. You could find me on Instagram
at Jason Saltzman. And I'm on Twitter. It's the
reverse. It's at Saltzman, Jason or X or whatever
it's called now. And that that's that those are
the best ways of getting in touch with me. Thank
you for being here today. I'm really happy that
you tuned in to Vision Pros Live. I'm looking
forward to seeing your reactions as these episodes
continue to move forward. This is going to get
more and more fun. We'll have more and more engagement
as well. We'll invite people to participate in
the show. And thank you for giving us your time
and attention. Have an excellent time building
out your vision and becoming a vision pro yourself.