WEBVTT 00:00:14.919 --> 00:00:18.339 Welcome to Networking Unleashed, Building Profitable 00:00:18.339 --> 00:00:21.140 Connections, the show where better conversations 00:00:21.140 --> 00:00:24.579 lead to better opportunities. I'm your host, 00:00:24.679 --> 00:00:26.980 Michael Foreman, and today we're talking about 00:00:26.980 --> 00:00:30.899 a topic many professionals quietly avoid, money. 00:00:31.539 --> 00:00:34.799 People will talk about marketing, strategy, branding, 00:00:34.960 --> 00:00:38.380 and growth all day long, but the moment a real 00:00:38.380 --> 00:00:41.780 financial conversation enters the room, the energy 00:00:41.780 --> 00:00:45.789 changes. And yet business relationships, referrals, 00:00:46.229 --> 00:00:49.829 partnerships, and opportunities are all connected 00:00:49.829 --> 00:00:54.210 on how comfortable we are discussing value. My 00:00:54.210 --> 00:00:57.350 guest today believes there is no shame in earning 00:00:57.350 --> 00:01:00.649 a dollar. Money is simply a tool and relationships 00:01:00.649 --> 00:01:04.430 you build affect your entire world, career, family, 00:01:04.650 --> 00:01:08.730 decisions, and future direction. We're diving 00:01:08.730 --> 00:01:11.670 into how your money mindset shapes your networking. 00:01:12.829 --> 00:01:16.930 Avoiding financial conversations limits opportunity 00:01:16.930 --> 00:01:21.769 and how honest discussions about how value can 00:01:21.769 --> 00:01:25.090 actually strengthen trust. If you want clearer 00:01:25.090 --> 00:01:28.989 conversations, stronger relationships, and opportunities 00:01:28.989 --> 00:01:32.290 that make sense for your life, not just your 00:01:32.290 --> 00:01:35.920 calendar, you're in the right place. So let's 00:01:35.920 --> 00:01:38.659 dive into it. I'd like to welcome to the podcast, 00:01:38.939 --> 00:01:42.519 Andrew. Andrew, you have a wealth. You have a 00:01:42.519 --> 00:01:45.420 background in all of this. I'm not going to even 00:01:45.420 --> 00:01:49.599 try to say what your background is. But could 00:01:49.599 --> 00:01:52.959 you just say hello to my audience and give us 00:01:52.959 --> 00:01:54.640 a little background of what you are and how you 00:01:54.640 --> 00:01:57.599 got here? Thanks for inviting me on, Michael. 00:01:57.680 --> 00:01:59.859 It's great to be here. Huge fan of your show. 00:01:59.920 --> 00:02:01.560 Your audience is definitely in the right spot 00:02:01.560 --> 00:02:04.780 to learn just. All the things that you try to 00:02:04.780 --> 00:02:07.359 bring to the table are just amazing. And yeah, 00:02:07.400 --> 00:02:10.599 welcome everyone. Great to be here. So yeah, 00:02:10.680 --> 00:02:15.240 I have an interesting start, but I accidentally 00:02:15.240 --> 00:02:20.340 became a financial advisor. Okay. I think that's 00:02:20.340 --> 00:02:22.919 probably the case with most entrepreneurs where 00:02:22.919 --> 00:02:26.620 you're going along and there was this constant 00:02:26.620 --> 00:02:30.340 thread in my life where I was involved in biotech 00:02:30.340 --> 00:02:34.580 and pharmaceutical before this. And this core 00:02:34.580 --> 00:02:39.500 part of me was always, I wanted to be a member 00:02:39.500 --> 00:02:41.680 of my community in the most helpful way possible. 00:02:41.960 --> 00:02:46.000 I wanted to network. I wanted to grow. I wanted 00:02:46.000 --> 00:02:50.240 to leave all these interactions of hopefully 00:02:50.240 --> 00:02:52.080 everyone being better off than when we started. 00:02:53.580 --> 00:02:56.780 In corporate America, it just came to pass where 00:02:56.780 --> 00:03:01.580 I would get going with a company and it just 00:03:01.580 --> 00:03:03.819 felt off or I just felt like something wasn't 00:03:03.819 --> 00:03:05.479 quite right and I was always constant looking 00:03:05.479 --> 00:03:09.759 for ways to learn to grow but I always felt that 00:03:09.759 --> 00:03:17.400 disconnect and this couple years ago I had the 00:03:17.400 --> 00:03:19.819 opportunity I sat down with myself I said okay 00:03:19.819 --> 00:03:22.020 what do I want to learn for this year and one 00:03:22.020 --> 00:03:24.180 of the things I wrote down was I wanted to learn 00:03:24.180 --> 00:03:28.840 more about personal finance And I had a financial 00:03:28.840 --> 00:03:32.159 advisor at the time, but it's still a struggle 00:03:32.159 --> 00:03:34.159 for me. I didn't really still feel very comfortable 00:03:34.159 --> 00:03:37.180 with it. I didn't know what I was doing. And 00:03:37.180 --> 00:03:40.520 later that year, someone reached out to me and 00:03:40.520 --> 00:03:41.960 said, Hey, have you ever thought about this as 00:03:41.960 --> 00:03:43.719 a career? We think that you'd be a really good 00:03:43.719 --> 00:03:46.680 fit. And I was like, you saw my background, right? 00:03:46.780 --> 00:03:50.120 I was biology major. It's all science. I didn't 00:03:50.120 --> 00:03:55.800 do money. And the more we talked, the more they. 00:03:56.509 --> 00:03:58.610 made it very attractive for me to come on just 00:03:58.610 --> 00:04:01.289 because I was going to have a more of a direct 00:04:01.289 --> 00:04:04.789 impact with the community. I am now a business 00:04:04.789 --> 00:04:09.650 owner and that was all part of me growing this 00:04:09.650 --> 00:04:12.750 circle, this community around me that I wanted 00:04:12.750 --> 00:04:17.019 everyone to be better. And man, I'm... Didn't 00:04:17.019 --> 00:04:18.199 know anything about it. I didn't really know 00:04:18.199 --> 00:04:20.319 what I got myself into, but I dove in headfirst 00:04:20.319 --> 00:04:23.540 into the deep end. And I'm so grateful that I 00:04:23.540 --> 00:04:25.579 did that and that I have the support system around 00:04:25.579 --> 00:04:28.079 me that supported me in doing that. And it's 00:04:28.079 --> 00:04:30.180 just been amazing. I found where I want to be 00:04:30.180 --> 00:04:33.420 for the next 30 years. Good, good. It sounds 00:04:33.420 --> 00:04:37.279 like you found a home. Yeah, absolutely. Good. 00:04:37.720 --> 00:04:39.759 Okay, let me just dive right into the questions 00:04:39.759 --> 00:04:42.579 I prepared for you. Sure. Many professionals 00:04:43.399 --> 00:04:46.360 feel uncomfortable talking about money and conversations. 00:04:46.899 --> 00:04:50.100 Why does that hesitation actually hurt their 00:04:50.100 --> 00:04:54.300 networking more than they realize? I think in 00:04:54.300 --> 00:04:56.920 any situation, when you're not comfortable with 00:04:56.920 --> 00:05:00.839 a given topic, you know, body language communicates 00:05:00.839 --> 00:05:05.860 so much, tone communicates so much. And the other 00:05:05.860 --> 00:05:08.420 thing here that's underlying the surface is self 00:05:08.420 --> 00:05:12.449 -worth. And money is not, if it was anything 00:05:12.449 --> 00:05:15.730 like my childhood, we certainly had it, but I 00:05:15.730 --> 00:05:17.790 didn't know anything about it. And it was not 00:05:17.790 --> 00:05:21.170 polite to ask how much someone paid for a car. 00:05:21.250 --> 00:05:22.990 It wasn't polite to ask for how much someone 00:05:22.990 --> 00:05:26.589 paid for their dinner. You just didn't do it. 00:05:27.189 --> 00:05:32.870 And when you're going through all this and you're 00:05:32.870 --> 00:05:34.269 networking, you're having these conversations 00:05:34.269 --> 00:05:39.470 with people, I would argue. whether you're talking 00:05:39.470 --> 00:05:41.430 about finance or not, like you have a value to 00:05:41.430 --> 00:05:44.069 the conversation. You deserve to be there. There's 00:05:44.069 --> 00:05:48.629 equal stature between the two of you. And your 00:05:48.629 --> 00:05:51.550 time is as valuable as the next person's because 00:05:51.550 --> 00:05:53.709 we all have our different insights that we get 00:05:53.709 --> 00:05:59.569 to bring to a conversation. And so having that 00:05:59.569 --> 00:06:02.610 self -belief, having that self -confidence that, 00:06:02.649 --> 00:06:05.449 hey, you belong, it could open you up to all 00:06:05.449 --> 00:06:08.629 kinds of ideas. When you start talking, the conversation 00:06:08.629 --> 00:06:11.129 flows and all of a sudden maybe there's a business 00:06:11.129 --> 00:06:14.449 idea that pops up or someone that might be a 00:06:14.449 --> 00:06:16.470 good fit for them. So maybe you're not the right 00:06:16.470 --> 00:06:18.410 fit for a given role that's coming up, but someone 00:06:18.410 --> 00:06:20.810 else that you know is. Those kinds of things 00:06:20.810 --> 00:06:23.689 compound and the more comfortable you are with 00:06:23.689 --> 00:06:26.790 yourself and the more at ease, I think those 00:06:26.790 --> 00:06:29.250 conversations just develop much more naturally. 00:06:30.170 --> 00:06:34.230 As you said, once you are confident in a person 00:06:34.230 --> 00:06:37.560 as yourself, then Really, there's no telling 00:06:37.560 --> 00:06:40.699 what you can do. The confidence is your first 00:06:40.699 --> 00:06:44.259 level. And when you talked about introducing 00:06:44.259 --> 00:06:47.579 somebody to somebody else, that's called being 00:06:47.579 --> 00:06:50.600 a connector. You as a connector in the community 00:06:50.600 --> 00:06:53.920 say, look, this person has this problem and this 00:06:53.920 --> 00:06:56.480 person has the answer. You put the two of them 00:06:56.480 --> 00:06:59.180 together and you backed away. That's being a 00:06:59.180 --> 00:07:01.339 connector. That's being a true part of the community. 00:07:02.040 --> 00:07:06.779 Yeah. You say there's no shame in the dollar. 00:07:07.420 --> 00:07:11.079 How does a healthy view of money change the way 00:07:11.079 --> 00:07:16.699 people build and maintain relationships? I would 00:07:16.699 --> 00:07:19.259 say, I say there's no shame in the dollar because 00:07:19.259 --> 00:07:20.920 a lot of times when I talk to people for the 00:07:20.920 --> 00:07:23.980 first time in my role specifically, I hear a 00:07:23.980 --> 00:07:27.120 lot of, I should have done this, or I could have 00:07:27.120 --> 00:07:30.279 done that, or my mom or my dad said I should 00:07:30.279 --> 00:07:37.019 get this done. Understand that what you've done 00:07:37.019 --> 00:07:41.240 in the past is what it is, but where you want 00:07:41.240 --> 00:07:44.300 to go, we can still impact. Someone in my kind 00:07:44.300 --> 00:07:46.180 of position, like I'm not a plumber, so if the 00:07:46.180 --> 00:07:48.399 pipes burst and the water's leaking out, not 00:07:48.399 --> 00:07:50.939 a lot we can do about it. That's a bummer, and 00:07:50.939 --> 00:07:53.660 I'll definitely sympathize with you. We can try 00:07:53.660 --> 00:07:55.319 to do what we can, but there's not a lot that 00:07:55.319 --> 00:08:02.300 we can do. So this just goes back to... you intrinsically 00:08:02.300 --> 00:08:04.160 are a 10. You're listening to this, you are a 00:08:04.160 --> 00:08:11.879 10 out of 10. And when we have this view of money 00:08:11.879 --> 00:08:16.959 as a tool, as a lever to do other things, then 00:08:16.959 --> 00:08:22.100 we begin to understand that you are likely your 00:08:22.100 --> 00:08:24.980 biggest asset in your life. People think their 00:08:24.980 --> 00:08:27.240 house is their most expensive thing, or they 00:08:27.240 --> 00:08:29.199 have a piece of jewelry, or their car is like 00:08:29.199 --> 00:08:33.019 their biggest asset. I would argue always it's 00:08:33.019 --> 00:08:35.940 your ability to work, your ability to connect 00:08:35.940 --> 00:08:38.779 people, your ability to add value to other people. 00:08:39.480 --> 00:08:43.480 That's your number one asset. Because if you're 00:08:43.480 --> 00:08:46.279 not able to do that, a lot of this other stuff 00:08:46.279 --> 00:08:49.500 doesn't happen. We don't get to go on vacation. 00:08:49.720 --> 00:08:52.620 We don't get to fix the roof. We don't get to 00:08:52.620 --> 00:08:56.480 go down retirement. So our ability to work and 00:08:56.480 --> 00:08:58.919 our ability to connect with other people and 00:08:58.919 --> 00:09:02.559 other humans. So that's where I'd like to start 00:09:02.559 --> 00:09:03.940 with people. And that's where I say there's no 00:09:03.940 --> 00:09:07.659 shame in a dollar and that money is a tool because 00:09:07.659 --> 00:09:11.419 you are the weapon that we're trying to hone 00:09:11.419 --> 00:09:14.539 and to craft. Absolutely. I could have said it 00:09:14.539 --> 00:09:17.720 better myself. If you look at money as a tool, 00:09:17.899 --> 00:09:22.549 as one of the tools in your belt. then you really 00:09:22.549 --> 00:09:25.590 can't go wrong. So you're a confident person. 00:09:25.750 --> 00:09:28.330 You have the money as a tool and you use that 00:09:28.330 --> 00:09:31.750 tool. There's no telling what you can do. It's 00:09:31.750 --> 00:09:36.230 amazing. At what point should financial conversations 00:09:36.230 --> 00:09:40.110 naturally enter a relationship without making 00:09:40.110 --> 00:09:44.470 it feel transactional? That's a great question. 00:09:45.570 --> 00:09:47.289 If you're listening to this and you're in your 00:09:47.289 --> 00:09:51.019 20s, as much as it might suck to hear this, And 00:09:51.019 --> 00:09:52.919 yeah, I know you want to go to Europe and to 00:09:52.919 --> 00:09:55.080 Australia and all these wonderful, amazing places. 00:09:56.100 --> 00:10:01.320 Do that, but start a habit. There are, you're 00:10:01.320 --> 00:10:03.379 probably seeing everyone out there is things 00:10:03.379 --> 00:10:04.919 are more expensive than other houses are more 00:10:04.919 --> 00:10:07.980 expensive than ever. Having that conversation 00:10:07.980 --> 00:10:11.580 earlier, time is your biggest asset when it comes 00:10:11.580 --> 00:10:14.539 to investing, saving, whatever you want to call 00:10:14.539 --> 00:10:19.340 it, right? Time wins always, right? You've, it's 00:10:19.340 --> 00:10:23.000 just. the nature of how the markets work. And 00:10:23.000 --> 00:10:26.059 so when you're having that conversation, certainly 00:10:26.059 --> 00:10:27.940 with an employer, future employer, and you say, 00:10:28.039 --> 00:10:29.879 hey, I'm thinking about coming to work here. 00:10:31.639 --> 00:10:35.059 This is where I want to be against, this is what 00:10:35.059 --> 00:10:37.460 I'm seeing as value. That's the conversation 00:10:37.460 --> 00:10:41.000 I would have right away. If it's a conversation 00:10:41.000 --> 00:10:45.460 with friends, certainly it does seem to be the 00:10:45.460 --> 00:10:47.059 better and the more of a best friend that they 00:10:47.059 --> 00:10:51.129 are, the less you talk about money. I don't know 00:10:51.129 --> 00:10:53.690 why that seems to be a trend. I would say try 00:10:53.690 --> 00:10:56.909 to reverse that. But I think it's one of those 00:10:56.909 --> 00:10:58.789 situations I would encourage people, if you have 00:10:58.789 --> 00:11:01.210 questions about it, and you trust the other person 00:11:01.210 --> 00:11:02.649 that you're talking to, you think that they've 00:11:02.649 --> 00:11:04.350 done well, or you think they've done something 00:11:04.350 --> 00:11:08.990 that's interesting, ask them. Say, hey, I noticed 00:11:08.990 --> 00:11:12.029 you've done this. If this is uncomfortable for 00:11:12.029 --> 00:11:14.169 you, no worries. But I want to ask you, how did 00:11:14.169 --> 00:11:18.970 you do that? And I think maybe just that's the 00:11:18.970 --> 00:11:21.470 trick there is give them the chance to say no. 00:11:22.029 --> 00:11:23.690 Usually if you give people the chance to say 00:11:23.690 --> 00:11:27.610 no, they'll never say no. But if you give them 00:11:27.610 --> 00:11:29.830 the chance to say no, it'll lower the barrier 00:11:29.830 --> 00:11:31.549 a little bit and then you can back into that 00:11:31.549 --> 00:11:35.769 conversation. Questions is always the root of 00:11:35.769 --> 00:11:39.289 all knowledge, right? You have to ask the questions 00:11:39.289 --> 00:11:43.659 in order to get the answer. If you approach somebody, 00:11:43.779 --> 00:11:47.120 even on LinkedIn or something, and you say, you 00:11:47.120 --> 00:11:49.940 know what, I just connected with you. That's 00:11:49.940 --> 00:11:53.259 great. I've been following you. I have just a 00:11:53.259 --> 00:11:55.799 couple of questions. Would you mind answering 00:11:55.799 --> 00:11:59.879 my questions or having a virtual cup of coffee 00:11:59.879 --> 00:12:05.639 or a cup of coffee? 99 .9 % times out of 100, 00:12:06.019 --> 00:12:09.440 they'll say yes, because people are always willing 00:12:09.440 --> 00:12:13.080 to share with you. Right. They're always saying, 00:12:13.120 --> 00:12:16.039 look, they're coming to me. So I must know something. 00:12:16.620 --> 00:12:19.379 But the other person is trying to learn. I always 00:12:19.379 --> 00:12:23.919 suggest going, making a connection, asking questions. 00:12:24.019 --> 00:12:27.320 If you're going to a networking event or a networking 00:12:27.320 --> 00:12:30.820 meeting, ask questions. It's so much more. Plus, 00:12:30.940 --> 00:12:34.240 the other person wants to give wants wants to 00:12:34.240 --> 00:12:36.580 give you their knowledge. You're not even trying 00:12:36.580 --> 00:12:40.200 to pull it. So that's. Yeah, I would say on that 00:12:40.200 --> 00:12:43.539 note. be wary of some advice that you find online. 00:12:43.759 --> 00:12:47.419 I think at least with terms of finances, apply 00:12:47.419 --> 00:12:50.120 some healthy skepticism to it and understand 00:12:50.120 --> 00:12:53.840 or try to understand where that person might 00:12:53.840 --> 00:12:56.919 be coming from. Unfortunately, some of the reputation 00:12:56.919 --> 00:13:00.059 the financial industry has earned from a negative 00:13:00.059 --> 00:13:06.480 perspective. And I would say the more knowledgeable 00:13:06.480 --> 00:13:11.279 and the more licensed the person is, the less 00:13:11.279 --> 00:13:14.019 specific information they will provide online 00:13:14.019 --> 00:13:18.039 as a general rule of thumb. Because for someone 00:13:18.039 --> 00:13:21.059 like myself, if I told you all to go buy some 00:13:21.059 --> 00:13:24.279 sort of stock tomorrow and you did that and you 00:13:24.279 --> 00:13:29.139 lost money, you could actually sue me. So I'm 00:13:29.139 --> 00:13:31.259 not going to do that. And so when you're seeing 00:13:31.259 --> 00:13:33.519 things online where someone's giving tips or 00:13:33.519 --> 00:13:35.480 unless you're very sure about their credentials. 00:13:36.330 --> 00:13:39.009 Just be careful and apply some healthy skepticism 00:13:39.009 --> 00:13:41.750 to that kind of situation. There's always a, 00:13:41.750 --> 00:13:45.590 there's a line that I've always used. I trust 00:13:45.590 --> 00:13:50.909 the person I trust, but verify. I'll never take 00:13:50.909 --> 00:13:54.830 this type of conversation online because I don't 00:13:54.830 --> 00:13:57.610 know who I'm talking to. Yeah. And with networking, 00:13:57.830 --> 00:14:01.129 there's a mantra. Know you like you trust you. 00:14:01.210 --> 00:14:04.049 They'll do business with you. And without that 00:14:04.049 --> 00:14:07.529 last little bit. piece of trust, they'll never 00:14:07.529 --> 00:14:10.570 do business with you. So how am I going to trust 00:14:10.570 --> 00:14:14.129 you if I've only met you online? Yeah, it goes 00:14:14.129 --> 00:14:16.370 a long way. So you really have to always trust, 00:14:16.490 --> 00:14:21.549 but I verify. That's my whole thing. Okay. How 00:14:21.549 --> 00:14:25.230 can someone be genuine in networking while still 00:14:25.230 --> 00:14:27.549 being clear about the business value they bring? 00:14:30.429 --> 00:14:33.350 So that's a wonderful question. And for anyone 00:14:33.350 --> 00:14:35.070 that's been to a Chamber of Commerce meeting, 00:14:35.210 --> 00:14:37.970 you'll see both sides of that equation quickly, 00:14:38.169 --> 00:14:42.029 probably within the first 10 minutes. My favorite 00:14:42.029 --> 00:14:48.330 approach for when people approach me, start a 00:14:48.330 --> 00:14:53.850 conversation just with, hi, my name is, what 00:14:53.850 --> 00:14:59.139 brings you here? And from there, there's... A 00:14:59.139 --> 00:15:01.360 lot of schools of thought out there between how 00:15:01.360 --> 00:15:04.019 to build like what I guess we'll generally call 00:15:04.019 --> 00:15:10.299 a 30 second commercial. I love trying to get 00:15:10.299 --> 00:15:13.220 that, whatever that is in your head. And I definitely 00:15:13.220 --> 00:15:16.899 practice that for a second, trying to get that 00:15:16.899 --> 00:15:22.879 to 18 words or less. If you can communicate what 00:15:22.879 --> 00:15:27.019 you do, who you do it for and how you do it. 00:15:27.720 --> 00:15:33.139 in 18 words or less, that is going to have a 00:15:33.139 --> 00:15:37.600 better chance of sticking than a two -minute 00:15:37.600 --> 00:15:39.980 monologue because I'm sure you're listening, 00:15:40.039 --> 00:15:43.299 you do all sorts of things and you can help people 00:15:43.299 --> 00:15:48.299 in all myriad different kinds of ways. Try to 00:15:48.299 --> 00:15:50.700 make it succinct so that you're memorable, that 00:15:50.700 --> 00:15:53.220 they can come back to you and you can develop 00:15:53.220 --> 00:15:55.120 that relationship over time. Don't try to get 00:15:55.120 --> 00:16:00.159 it all out at once. I coach many professionals. 00:16:01.019 --> 00:16:04.899 And the first thing I do is I say, okay, give 00:16:04.899 --> 00:16:08.399 me a 30 -second speech. Okay. And we hone it 00:16:08.399 --> 00:16:10.440 down to 30 seconds. That's really what they want 00:16:10.440 --> 00:16:13.120 to say. All right, I've got it. Then I say, you 00:16:13.120 --> 00:16:16.919 know what? Break that down to 10 seconds. Yeah. 00:16:17.000 --> 00:16:19.220 They said, you can't do that. I just spent 30 00:16:19.220 --> 00:16:22.460 seconds. 10 seconds. So I bring it down to 10 00:16:22.460 --> 00:16:24.779 seconds. They said, how's that? I said, good. 00:16:24.919 --> 00:16:28.759 Now throw it out. Because now you focused in 00:16:28.759 --> 00:16:32.840 on exactly what you want to say. Right. And it 00:16:32.840 --> 00:16:35.240 falls right in line with what you just said, 00:16:35.279 --> 00:16:39.759 the 18 words and be memorable and all these different 00:16:39.759 --> 00:16:42.100 things. But when you're standing in front of 00:16:42.100 --> 00:16:45.460 a Chamber of Commerce group, I go to a Chamber 00:16:45.460 --> 00:16:47.679 of Commerce meeting every week and you have 30 00:16:47.679 --> 00:16:51.879 seconds to say something. If I have five things 00:16:51.879 --> 00:16:56.419 I want to sell, do I say about... All five? No, 00:16:56.500 --> 00:16:59.600 I pick one. And the next week, I'll pick something 00:16:59.600 --> 00:17:01.559 else. The next week, I'll pick something else. 00:17:01.799 --> 00:17:05.779 So I'm not trying to overload. I'm trying to 00:17:05.779 --> 00:17:09.500 make myself memorable. So you hit it right on 00:17:09.500 --> 00:17:14.599 the nail. You describe money as a tool. What 00:17:14.599 --> 00:17:18.819 does it actually help people to do inside relationships 00:17:18.819 --> 00:17:23.619 that they often overlook? So the way I look at 00:17:23.619 --> 00:17:29.140 it is when I sit down with families or individuals 00:17:29.140 --> 00:17:32.400 and we talk about this, I want to create options 00:17:32.400 --> 00:17:37.079 and flexibility. And I want to say that again. 00:17:37.160 --> 00:17:40.819 So these options and the flexibility to do what 00:17:40.819 --> 00:17:44.619 you want on your time frame, not your environments. 00:17:47.160 --> 00:17:51.650 That to me is. one of the best pieces of freedom 00:17:51.650 --> 00:17:55.109 that we can provide. You can argue that freedom 00:17:55.109 --> 00:17:57.150 is the freedom to say yes or the freedom to say 00:17:57.150 --> 00:18:00.049 no, however you want to look at that. I want 00:18:00.049 --> 00:18:03.029 to be able to work with you to put you in a position 00:18:03.029 --> 00:18:08.289 to say, I can say yes or I can say no. It's my 00:18:08.289 --> 00:18:15.710 call. So when we do that, we're allowing you 00:18:15.710 --> 00:18:18.660 in your relationships to be more present. I work 00:18:18.660 --> 00:18:23.099 with all kinds of different people and from clients 00:18:23.099 --> 00:18:25.180 at the beginning of the stages of investing all 00:18:25.180 --> 00:18:27.000 the way to the most sophisticated. No one ever 00:18:27.000 --> 00:18:29.480 says, wow, I was really thrilled. I got to swipe 00:18:29.480 --> 00:18:33.359 my credit card three times yesterday. That's 00:18:33.359 --> 00:18:37.099 not usually the story. The story was I was in 00:18:37.099 --> 00:18:39.420 Italy with my family and we were watching the 00:18:39.420 --> 00:18:42.039 Olympics and we had a lot of fun and we did this 00:18:42.039 --> 00:18:43.500 and that. And the other thing that we got to 00:18:43.500 --> 00:18:46.140 see all this and I got to be there and I watched. 00:18:47.210 --> 00:18:52.190 my son or my daughter experience another culture 00:18:52.190 --> 00:18:55.990 for the first time and it was a lot of fun and 00:18:55.990 --> 00:19:02.509 I hone in on that because if you can get yourself 00:19:02.509 --> 00:19:05.529 to a point where we are allowing you to be more 00:19:05.529 --> 00:19:10.630 present to show up in the relationships that 00:19:10.630 --> 00:19:12.789 you do have in your life personal professional 00:19:12.789 --> 00:19:17.460 whatever People, I don't think, realize how much 00:19:17.460 --> 00:19:19.660 they think about money. They see price tags. 00:19:19.940 --> 00:19:23.240 They see gas, you know, the signs for gas, how 00:19:23.240 --> 00:19:24.980 much a gallon of gas is on the side of the road 00:19:24.980 --> 00:19:26.940 all the time. But we're constantly bombarded 00:19:26.940 --> 00:19:31.140 by cost. We can set that aside. And you hit the 00:19:31.140 --> 00:19:33.220 pillow every night knowing that you got to enjoy 00:19:33.220 --> 00:19:37.460 the day. You got to experience the fullest of 00:19:37.460 --> 00:19:40.960 those moments that day. That's the win. That's 00:19:40.960 --> 00:19:42.500 what the options, that's what the flexibility 00:19:42.500 --> 00:19:45.980 creates. And using money as a tool, And again, 00:19:46.119 --> 00:19:48.400 not having any shame. And yes, I've set some 00:19:48.400 --> 00:19:50.380 stuff aside, but now I'm able to do all this. 00:19:51.619 --> 00:19:54.440 Absolutely. I couldn't agree more than 100%. 00:19:54.440 --> 00:19:56.519 I can agree more than 100%. It wouldn't be worth 00:19:56.519 --> 00:19:59.799 anything. But you're absolutely right, because 00:19:59.799 --> 00:20:05.059 I look at money as being comfortable, but it 00:20:05.059 --> 00:20:08.759 doesn't control my life. I look at everything 00:20:08.759 --> 00:20:11.599 else. I look at my wife, my kids, my everything. 00:20:11.759 --> 00:20:15.769 And I say, look, that's my wealth. The money 00:20:15.769 --> 00:20:18.529 is just a tool to get some things. I use the 00:20:18.529 --> 00:20:22.529 tool as a quiver. And that's really it. And you 00:20:22.529 --> 00:20:24.809 do not have to be a multimillionaire for that 00:20:24.809 --> 00:20:28.509 to happen. Absolutely. I agree. It does not take. 00:20:28.569 --> 00:20:32.269 I'm willing to guess for most of you listening, 00:20:32.369 --> 00:20:35.890 for what you make now, for what you've earned, 00:20:36.049 --> 00:20:39.349 you're able to do more than you think you can 00:20:39.349 --> 00:20:44.809 with just some realignment and some focus. I 00:20:44.809 --> 00:20:46.309 think that's one of the fallacies of talking 00:20:46.309 --> 00:20:49.650 about finance too, is like everyone thinks that 00:20:49.650 --> 00:20:55.869 they need some amount of X dollars. Okay, but 00:20:55.869 --> 00:20:58.829 where does that come from? And then why is that 00:20:58.829 --> 00:21:01.430 the number? And let's break it down. Let's put 00:21:01.430 --> 00:21:04.910 some math behind it. You might be right, but 00:21:04.910 --> 00:21:08.049 you might be wrong. And that's where that conversation 00:21:08.049 --> 00:21:10.470 comes back in, where have that, put some math 00:21:10.470 --> 00:21:13.039 to it. and figured out, are we living in the 00:21:13.039 --> 00:21:14.900 land of possibility or are you putting yourself 00:21:14.900 --> 00:21:17.579 under constant stress that was unnecessary this 00:21:17.579 --> 00:21:21.579 whole time? Absolutely. Couldn't agree with you 00:21:21.579 --> 00:21:24.839 more. Some people avoid discussing opportunities 00:21:24.839 --> 00:21:28.819 because they don't want to appear self -interested. 00:21:29.359 --> 00:21:32.940 How do you balance service and business honestly? 00:21:35.759 --> 00:21:39.140 I think that comes back to what's your why? What 00:21:39.140 --> 00:21:43.390 are your intentions? To start with, like, don't 00:21:43.390 --> 00:21:46.150 tell anyone, but I would do my job for free if 00:21:46.150 --> 00:21:51.809 I could. I think it's that important. And if 00:21:51.809 --> 00:21:56.869 I approach my job from an aspect of self -interest, 00:21:57.049 --> 00:21:59.609 it would come across like you would know. And 00:21:59.609 --> 00:22:01.650 I would end up having very transactional relationships 00:22:01.650 --> 00:22:06.569 with the people that I work with. And I think 00:22:06.569 --> 00:22:10.200 when you're looking at that. When if you're looking 00:22:10.200 --> 00:22:11.880 to hire a financial planner or you're looking 00:22:11.880 --> 00:22:14.559 to hire a plumber or you're looking at working 00:22:14.559 --> 00:22:17.319 for X company or you're maybe going to go in 00:22:17.319 --> 00:22:20.440 and deal with someone to start a business. I 00:22:20.440 --> 00:22:22.240 think one of the most powerful questions that 00:22:22.240 --> 00:22:24.519 you can ask someone when you're trying to establish 00:22:24.519 --> 00:22:29.200 this level of trust and camaraderie is asking 00:22:29.200 --> 00:22:34.470 them, what are they most proud of? And if it's 00:22:34.470 --> 00:22:36.430 in the realm of contractor or financial advisor, 00:22:36.529 --> 00:22:38.509 what are you most proud of? What's the thing 00:22:38.509 --> 00:22:41.069 that you help the family out the most with? Or 00:22:41.069 --> 00:22:44.869 if it's a job, why do you guys all show up every 00:22:44.869 --> 00:22:46.549 day? What are you proud of that you've accomplished 00:22:46.549 --> 00:22:50.349 as a group, as a company, as an individual? I 00:22:50.349 --> 00:22:52.210 think that's just a very hard question to fake. 00:22:53.549 --> 00:22:55.309 There's a lot of different ways to answer it. 00:22:56.450 --> 00:23:00.589 There's not a wrong answer necessarily, but you'll 00:23:00.589 --> 00:23:04.880 get a great picture into. what that person thinks 00:23:04.880 --> 00:23:08.019 is important and how they think they show up 00:23:08.019 --> 00:23:12.799 to other people and you can bounce that off your 00:23:12.799 --> 00:23:15.880 internal bullshit meter as it were and figure 00:23:15.880 --> 00:23:18.240 out like hey is this person for me are we vibing 00:23:18.240 --> 00:23:22.160 or that's a great answer but this isn't me absolutely 00:23:22.160 --> 00:23:25.880 and it changes by the person right because there 00:23:25.880 --> 00:23:30.160 are a thousand financial advisors but there is 00:23:30.160 --> 00:23:34.009 one type that is perfect for you and the rest 00:23:34.009 --> 00:23:36.230 of them don't but if you find that one person 00:23:36.230 --> 00:23:40.349 such as yourself and if you find somebody likely 00:23:40.349 --> 00:23:44.049 to give you the right answers they may not always 00:23:44.049 --> 00:23:46.769 be the answers you want to hear but they're the 00:23:46.769 --> 00:23:49.970 right answers and you can work with that then 00:23:49.970 --> 00:23:54.029 you want it's a whole right when someone thinks 00:23:54.029 --> 00:23:58.089 about their world as a whole career family finances 00:23:58.089 --> 00:24:01.519 community How does that change who they choose 00:24:01.519 --> 00:24:05.940 to connect with? I think that's a great question 00:24:05.940 --> 00:24:07.559 that builds on what we were just talking about. 00:24:08.940 --> 00:24:13.299 I think if you are able to look at your picture 00:24:13.299 --> 00:24:16.160 as a whole, I guess maybe it's like the question 00:24:16.160 --> 00:24:18.779 sometimes we get to when I'm talking with families 00:24:18.779 --> 00:24:24.559 is like, what's really going to matter when you're 00:24:24.559 --> 00:24:29.380 old and gray? body doesn't quite work so well 00:24:29.380 --> 00:24:32.359 as it used to and you take a look back on your 00:24:32.359 --> 00:24:36.420 life and i guess something easy we can all relate 00:24:36.420 --> 00:24:39.599 to not everyone has been mad at someone else 00:24:39.599 --> 00:24:44.259 driving on the road some take more than others 00:24:44.259 --> 00:24:48.460 but everyone that's ever driven i'm sure you 00:24:48.460 --> 00:24:51.019 listen you've had at least one moment where like 00:24:51.019 --> 00:24:53.039 something happened on the road that was upsetting 00:24:53.039 --> 00:24:56.680 how upset you get or how long you hang on to 00:24:56.680 --> 00:24:59.589 that I like to try to put that in context against 00:24:59.589 --> 00:25:03.690 what is that going to matter when you're saying 00:25:03.690 --> 00:25:06.829 your last goodbyes? Because if it doesn't, if 00:25:06.829 --> 00:25:08.349 that's not what's going to come up, if you're 00:25:08.349 --> 00:25:10.049 going to say thank you to everyone else, I love 00:25:10.049 --> 00:25:13.589 you. It was wonderful to spend a vacation with 00:25:13.589 --> 00:25:18.650 you in this whatever place. That's the holistic 00:25:18.650 --> 00:25:23.289 part of life that I encourage you to take a look 00:25:23.289 --> 00:25:27.349 at because It's easy to get lost in the moment. 00:25:28.410 --> 00:25:30.650 It's a lot harder to think about the big picture. 00:25:31.210 --> 00:25:34.210 But I think through looking at the big picture, 00:25:34.230 --> 00:25:37.509 looking at your life holistically, there's a 00:25:37.509 --> 00:25:40.390 certain freedom to that. Because through that 00:25:40.390 --> 00:25:43.349 lens, now that driving incident doesn't matter. 00:25:44.750 --> 00:25:47.289 That other person may have been wrong, but... 00:25:47.289 --> 00:25:50.809 Absolutely. The older I get, the more I look 00:25:50.809 --> 00:25:53.700 at life that way. Yeah, because I can tell you 00:25:53.700 --> 00:25:57.119 how I would react in my 20s and my 30s and my 00:25:57.119 --> 00:26:02.660 40s in my 50s. I'm now in my 60s. And it's very 00:26:02.660 --> 00:26:04.900 different than the way it would act when I was 00:26:04.900 --> 00:26:08.460 in my 30s. OK, I understand that completely. 00:26:08.559 --> 00:26:13.059 And unfortunately, people have to wait until 00:26:13.059 --> 00:26:18.279 their 60s or 50s to look at life that way. Yeah, 00:26:18.359 --> 00:26:21.049 the world would be a better place. I try to encourage 00:26:21.049 --> 00:26:23.690 people to do that earlier. This isn't my quote, 00:26:23.750 --> 00:26:26.329 so I can't take credit for this personally, but 00:26:26.329 --> 00:26:30.029 I use this in conversations with early stage 00:26:30.029 --> 00:26:32.269 clients when we're first getting to know each 00:26:32.269 --> 00:26:35.089 other. I say, people only think other people 00:26:35.089 --> 00:26:38.910 die. And I let that sink in for a second. And 00:26:38.910 --> 00:26:41.029 I invite you to say that again. You had people 00:26:41.029 --> 00:26:44.930 only think other people die. And you could extrapolate 00:26:44.930 --> 00:26:48.730 that to a whole number of different issues, but... 00:26:50.559 --> 00:26:55.359 Statistics, they're averages. That means there's 00:26:55.359 --> 00:26:57.119 someone on the front of it and someone on the 00:26:57.119 --> 00:26:59.599 back of it. And there's only one person on the 00:26:59.599 --> 00:27:04.579 middle of it. That's why I encourage people to 00:27:04.579 --> 00:27:07.759 try to use that lens and cycle through some of 00:27:07.759 --> 00:27:10.319 this because it actually is quite a liberating 00:27:10.319 --> 00:27:14.279 concept. Yeah, you can also take that same thing. 00:27:15.099 --> 00:27:18.059 And whether it's about illness or something else 00:27:18.059 --> 00:27:20.579 that always happens to somebody else. But when 00:27:20.579 --> 00:27:23.059 it finally happens to you or someone you love, 00:27:23.240 --> 00:27:25.579 that all of a sudden your world comes crashing 00:27:25.579 --> 00:27:29.240 down and say, what do I do? I need help or something 00:27:29.240 --> 00:27:32.119 else like that. And you never realize that it 00:27:32.119 --> 00:27:35.339 can happen to you. Yeah. So you can take that 00:27:35.339 --> 00:27:38.140 in a number of ways. Yeah. There's a right now 00:27:38.140 --> 00:27:41.039 recently here, a famous actor. He just passed. 00:27:41.480 --> 00:27:43.819 Right. He left behind his wife and four kids. 00:27:44.539 --> 00:27:46.619 And his wife, a Hollywood actor, you'd think, 00:27:46.660 --> 00:27:48.220 oh, he's rich. He's got everything all figured 00:27:48.220 --> 00:27:52.039 out. And he had to start a GoFundMe page, or 00:27:52.039 --> 00:27:54.599 the family did. They raised a million dollars, 00:27:54.619 --> 00:27:56.700 probably a little bit on the back of him being 00:27:56.700 --> 00:27:59.700 famous. But that's, I'm looking at that and I'm 00:27:59.700 --> 00:28:02.920 like, from my perspective as a financial professional, 00:28:03.220 --> 00:28:07.599 that GoFundMe page, I would love to put GoFundMe 00:28:07.599 --> 00:28:10.529 out of business if I could. Not because they're 00:28:10.529 --> 00:28:12.190 doing a bad thing. I think they're doing a wonderful 00:28:12.190 --> 00:28:14.170 mission. I fully support what they're doing because 00:28:14.170 --> 00:28:17.549 it's a great community tool. I would love to 00:28:17.549 --> 00:28:20.009 save people the heartache of having to go through 00:28:20.009 --> 00:28:23.369 that process on top of having just lost a loved 00:28:23.369 --> 00:28:25.789 one where they're already heartbroken to begin 00:28:25.789 --> 00:28:30.809 with. Absolutely. Absolutely. How do strong relationships 00:28:30.809 --> 00:28:35.089 improve financial decision -making, not just 00:28:35.089 --> 00:28:40.769 income? That's a great one for those of you out 00:28:40.769 --> 00:28:43.710 there that are coupled up husband wife. It's 00:28:43.710 --> 00:28:45.829 okay. I think this is where open communication 00:28:45.829 --> 00:28:49.109 goes. And obviously I don't know your relationship, 00:28:49.309 --> 00:28:54.289 but it is okay to have a different answer. And 00:28:54.289 --> 00:28:56.849 I think allowing that the person to have a different 00:28:56.849 --> 00:28:58.970 answer for you from you, a different priority, 00:28:59.150 --> 00:29:03.130 they're probably pretty close, but I'll just 00:29:03.130 --> 00:29:06.529 say from like my perspective, I do what I do 00:29:06.529 --> 00:29:10.579 for a living. my wife is still a huge part of 00:29:10.579 --> 00:29:13.599 the major financial decisions that we make. Not 00:29:13.599 --> 00:29:16.640 because I'm right and she's wrong, but because 00:29:16.640 --> 00:29:19.440 we have sometimes different viewpoints on something. 00:29:19.559 --> 00:29:21.799 Oftentimes we find we actually are pretty aligned, 00:29:21.960 --> 00:29:25.039 but I think just allowing that space for her 00:29:25.039 --> 00:29:27.099 to have her answer and me to have my answer, 00:29:27.220 --> 00:29:30.819 it's not a fight if we both give each other the 00:29:30.819 --> 00:29:34.019 space to have a respective opinion. It's not 00:29:34.019 --> 00:29:38.900 like a good, healthy relationship. It does. But 00:29:38.900 --> 00:29:42.339 most, but a lot of relationships aren't cut the 00:29:42.339 --> 00:29:45.900 same way. I too have that same relationship. 00:29:46.240 --> 00:29:48.480 And because there are times in my life where 00:29:48.480 --> 00:29:51.500 I made more money than she did. She made more 00:29:51.500 --> 00:29:54.160 money than I did. And it never really mattered. 00:29:54.519 --> 00:29:58.059 Yeah. We both had that type of relationship where 00:29:58.059 --> 00:30:01.339 we bounced it off each other's back or off each 00:30:01.339 --> 00:30:04.359 other and said, what do you think? And we came 00:30:04.359 --> 00:30:06.480 up with the right solution and we went for it. 00:30:06.920 --> 00:30:09.740 Usually I was right, but that's beside the point. 00:30:10.579 --> 00:30:17.200 Okay. What signs a show, what signs show a relationship 00:30:17.200 --> 00:30:22.599 is mutually beneficial versus quietly one -sided? 00:30:24.839 --> 00:30:29.339 What we just talked about. Yeah. I would say 00:30:29.339 --> 00:30:32.119 if you can leave the conversation with a smile 00:30:32.119 --> 00:30:34.759 and the other person's also leaving with a smile. 00:30:35.440 --> 00:30:39.920 Yeah. You're in a good start. Obviously there 00:30:39.920 --> 00:30:42.220 are good actors out there and there are bad actors. 00:30:43.000 --> 00:30:45.799 I've been fooled before, right? I thought I was 00:30:45.799 --> 00:30:48.000 going to go to this networking thing in Scotland 00:30:48.000 --> 00:30:52.720 once. I was like 23 and I was really excited 00:30:52.720 --> 00:30:54.500 and I was like looking for all kinds of ways 00:30:54.500 --> 00:30:56.880 to get better. And this is one of those situations 00:30:56.880 --> 00:31:00.000 where it was like, go to Scotland, spend a week 00:31:00.000 --> 00:31:01.900 or two weeks or whatever it was. And then you'll 00:31:01.900 --> 00:31:04.000 come back and your business is going to explode 00:31:04.000 --> 00:31:05.460 and your professional life is going to go crazy. 00:31:07.779 --> 00:31:13.500 whatever, wired them $10 ,000. And cause I did 00:31:13.500 --> 00:31:15.339 that in my excitement and I was like, okay, yeah, 00:31:15.380 --> 00:31:17.059 this will be worth, I'll make this back in no 00:31:17.059 --> 00:31:21.940 time. And then I happened to listen to the person's 00:31:21.940 --> 00:31:27.000 podcast after that. And I could not believe the 00:31:27.000 --> 00:31:31.099 amount of unprofessionalism and the, it was a 00:31:31.099 --> 00:31:33.920 completely opposite image from the image that 00:31:33.920 --> 00:31:37.420 I was marketed. And I got all kinds of warning 00:31:37.420 --> 00:31:39.059 signs because I was still supposed to pay them 00:31:39.059 --> 00:31:41.180 more money to still yet go. That was just a down 00:31:41.180 --> 00:31:46.640 payment. Long story short, pulled out, hit the 00:31:46.640 --> 00:31:52.259 ripcord. I never got the money back. It was a 00:31:52.259 --> 00:31:56.059 very expensive lesson for a young 20s, whatever 00:31:56.059 --> 00:32:00.839 year old I was. It happens. That was definitely 00:32:00.839 --> 00:32:04.319 a one -sided relationship. They were quite dishonest 00:32:04.319 --> 00:32:07.059 about the whole thing. I had no real recourse 00:32:07.059 --> 00:32:08.980 for any of you that have lost that kind of money. 00:32:09.059 --> 00:32:11.660 Yes, it's a lot, but to go for a lawyer, by the 00:32:11.660 --> 00:32:13.579 time you get through it all, you're worse off 00:32:13.579 --> 00:32:20.359 anyways. So it wasn't fun. And so a little trial 00:32:20.359 --> 00:32:23.240 and error. Yep, it sounded like you learned a 00:32:23.240 --> 00:32:26.519 hard lesson. Yeah, that wasn't fun. I wasn't 00:32:26.519 --> 00:32:29.839 proud of that one. But look, it made you a better 00:32:29.839 --> 00:32:33.700 person. It made you scrutinize anything like 00:32:33.700 --> 00:32:36.539 that even more. You'll look into something. I 00:32:36.539 --> 00:32:39.740 always give myself 24 hours. If something is 00:32:39.740 --> 00:32:43.460 too great or too good to believe, it usually 00:32:43.460 --> 00:32:47.980 is. But if I get a hold of a deal or something 00:32:47.980 --> 00:32:50.259 else like that, I'll say, look, I'll give you 00:32:50.259 --> 00:32:53.160 an answer. but it'll be tomorrow. And they usually 00:32:53.160 --> 00:32:55.859 say it's only good for the next hour. Obviously, 00:32:55.859 --> 00:32:58.059 it's not good for me then. But they hate when 00:32:58.059 --> 00:33:01.240 I say that. But I do and I check them out within 00:33:01.240 --> 00:33:04.279 the 24 hours and either they're full of crap 00:33:04.279 --> 00:33:09.339 or they're all right. And usually they're full 00:33:09.339 --> 00:33:12.380 of crap. So it works that way. Yeah, I would 00:33:12.380 --> 00:33:14.640 say that rush tactics definitely should be an 00:33:14.640 --> 00:33:17.680 alarm bell generally. Yeah, absolutely. You have 00:33:17.680 --> 00:33:22.039 to do this now or... whatever, just again, put 00:33:22.039 --> 00:33:24.500 your warning signs up, try to do a little bit 00:33:24.500 --> 00:33:26.259 more homework if you can. But if someone's really 00:33:26.259 --> 00:33:29.079 pushing you and you're not comfortable in anything, 00:33:29.180 --> 00:33:31.940 any kind of monetary transaction, job transaction, 00:33:32.240 --> 00:33:34.119 someone says, oh, you have to take this now or 00:33:34.119 --> 00:33:37.200 we're going to go to the next candidate. You're 00:33:37.200 --> 00:33:41.019 not, again, I go back to you're a 10, right? 00:33:41.180 --> 00:33:43.940 You have value. You have a tremendous amount 00:33:43.940 --> 00:33:47.279 that you can offer to the world. If someone wants 00:33:47.279 --> 00:33:49.619 you that bad, they shouldn't be willing to dump 00:33:49.619 --> 00:33:52.500 you in an hour and go to the next person. Absolutely. 00:33:52.839 --> 00:33:56.259 Absolutely. Okay, let's bring this podcast full 00:33:56.259 --> 00:34:00.900 circle. If a listener wants both stronger relationships 00:34:00.900 --> 00:34:04.480 and healthier financial outcomes in the next 00:34:04.480 --> 00:34:08.519 90 days, what's one networking behavior should 00:34:08.519 --> 00:34:14.280 they start immediately? I think, you know, the 00:34:14.280 --> 00:34:18.750 easiest thing to probably do is, It costs no 00:34:18.750 --> 00:34:21.429 money. And that's have an honest conversation 00:34:21.429 --> 00:34:24.849 with yourself, pull up your finances and go through 00:34:24.849 --> 00:34:30.190 an inflow and outflow for your budget. That can 00:34:30.190 --> 00:34:33.690 be a very eye -opening experience. If you do 00:34:33.690 --> 00:34:37.429 that with your spouse, be prepared for wherever 00:34:37.429 --> 00:34:39.750 that's going to go. You're probably going to 00:34:39.750 --> 00:34:42.429 surprise yourself. But I'd say that's an easy 00:34:42.429 --> 00:34:45.690 one. If you want more information, no shame in 00:34:45.690 --> 00:34:48.030 a dollar .com. I invite anyone that I can continue 00:34:48.030 --> 00:34:50.090 this conversation in more detail and get more 00:34:50.090 --> 00:34:53.829 specific on stuff. But aside from going to no 00:34:53.829 --> 00:34:57.889 shame in a dollar .com, I would just say, yeah, 00:34:57.989 --> 00:35:00.469 do the budget, have the conversation with yourself, 00:35:00.630 --> 00:35:05.190 with your spouse. And at the end of it, again, 00:35:05.329 --> 00:35:07.250 give yourself some grace. There's no right or 00:35:07.250 --> 00:35:09.559 wrong answer, but. If at the end of it, you're 00:35:09.559 --> 00:35:11.340 not comfortable with what that picture looks 00:35:11.340 --> 00:35:15.000 like, then something's got to change. And that 00:35:15.000 --> 00:35:17.519 should be something that you start to take some 00:35:17.519 --> 00:35:21.440 action on. Absolutely. Andrew, this was great. 00:35:22.019 --> 00:35:24.539 Andrew, if somebody wanted to get hold of you, 00:35:24.619 --> 00:35:28.940 just either to pick your brain, to hire you, 00:35:29.039 --> 00:35:32.300 or just ask you some questions, what's the best 00:35:32.300 --> 00:35:35.309 way they can get hold of you? The best way is 00:35:35.309 --> 00:35:37.809 to go to no shame in a dollar .com. I set that 00:35:37.809 --> 00:35:39.929 up. It's just the name and email address is all 00:35:39.929 --> 00:35:41.610 that would take. And we can start a conversation. 00:35:42.150 --> 00:35:44.369 Of course, LinkedIn, I'm on there as well. And 00:35:44.369 --> 00:35:46.849 my last name is, and that's the beauty of having 00:35:46.849 --> 00:35:49.769 it start with a Q. That's quite unique. I'm easy 00:35:49.769 --> 00:35:52.530 enough to find there, but yeah, like I said, 00:35:52.550 --> 00:35:54.469 I'm here to help. I'm here to be a member of 00:35:54.469 --> 00:35:56.610 the community and to help everyone's network. 00:35:56.750 --> 00:35:59.050 And if that's all you want to, and you just want 00:35:59.050 --> 00:36:00.809 to network a little bit, I'm happy to do that. 00:36:02.000 --> 00:36:05.880 Fantastic. This conversation reminds us that 00:36:05.880 --> 00:36:08.960 networking isn't only about who you meet. It's 00:36:08.960 --> 00:36:11.940 about how openly and honestly you communicate 00:36:11.940 --> 00:36:14.940 value. When people are comfortable discussing 00:36:14.940 --> 00:36:19.480 goals, expectations, and opportunity, relationships 00:36:19.480 --> 00:36:23.550 become clearer and decisions become easier. If 00:36:23.550 --> 00:36:25.750 today's episode made you think of how you approach 00:36:25.750 --> 00:36:29.730 conversations about value, try one small step 00:36:29.730 --> 00:36:32.929 this week. Have one honest, respectful business 00:36:32.929 --> 00:36:36.230 conversation you may have been avoiding. You'll 00:36:36.230 --> 00:36:40.670 be surprised how often clarity strengthens trust. 00:36:41.119 --> 00:36:43.679 And if you found this helpful, make sure you 00:36:43.679 --> 00:36:46.920 like, follow, or subscribe to Networking Unleashed, 00:36:46.960 --> 00:36:49.380 Building Profitable Connections, so you keep 00:36:49.380 --> 00:36:52.800 getting practical insight on networking and communication. 00:36:53.300 --> 00:36:56.719 Also, share the episode with someone who would 00:36:56.719 --> 00:37:01.239 benefit from hearing it. If you would help improving 00:37:01.239 --> 00:37:04.199 how you communicate, build relationships, or 00:37:04.199 --> 00:37:07.610 position yourself in conversations, Visit foreman 00:37:07.610 --> 00:37:10.309 .com to learn how I work with professionals, 00:37:10.550 --> 00:37:13.690 teams, and organizations. So until next time, 00:37:13.750 --> 00:37:17.510 communicate clearly, value your work, and build 00:37:17.510 --> 00:37:20.690 connections truly that support your life. Andrew, 00:37:20.809 --> 00:37:23.230 thank you again for coming on the podcast. You 00:37:23.230 --> 00:37:25.710 were a wonderful guest. Thank you, Michael. It 00:37:25.710 --> 00:37:32.949 was a pleasure to be here. Well, hold on, folks. 00:37:33.349 --> 00:37:36.230 Don't go anywhere. Let's hear from our sponsors. 00:37:36.650 --> 00:37:40.670 David Neal, co -founder Revved Up Kids. Revved 00:37:40.670 --> 00:37:43.590 Up Kids is on a mission to protect children and 00:37:43.590 --> 00:37:47.570 teens from sexual abuse, exploitation, and trafficking. 00:37:47.849 --> 00:37:51.050 They provide prevention training programs for 00:37:51.050 --> 00:37:54.570 children, teens, and adults. To learn more, go 00:37:54.570 --> 00:37:58.969 to revvedupkids .org. Henry Kaplan, Century 21. 00:37:59.469 --> 00:38:01.710 When it comes to making the biggest financial 00:38:01.710 --> 00:38:04.670 decision of your life, leave it in the hands 00:38:04.670 --> 00:38:07.989 of a proven professional, Henry Kaplan. Henry 00:38:07.989 --> 00:38:11.150 is a global real estate agent with Century 21, 00:38:11.349 --> 00:38:15.329 celebrating his 41st year in business. No matter 00:38:15.329 --> 00:38:18.010 where you're moving, Henry has the right connections 00:38:18.010 --> 00:38:25.030 for you. You can contact Henry at 561 -427 -4888. 00:38:25.690 --> 00:38:28.489 A huge thank you to our guests for sharing such 00:38:29.070 --> 00:38:32.389 insights today. And of course, a big shout out 00:38:32.389 --> 00:38:35.690 to you, our amazing listeners, for tuning in 00:38:35.690 --> 00:38:38.610 and spending your time with us. If you're interested 00:38:38.610 --> 00:38:41.949 in my digital courses, being coached or having 00:38:41.949 --> 00:38:45.070 me come and talk to your company, just go to 00:38:45.070 --> 00:38:48.309 Michael and fill out the request form. Remember, 00:38:48.650 --> 00:38:51.949 networking isn't about being perfect. It's about 00:38:51.949 --> 00:38:54.889 being present. So take what you've learned today, 00:38:55.050 --> 00:38:57.670 get out there and make some meaningful connections. 00:38:58.400 --> 00:39:01.320 If you've enjoyed this episode, please don't 00:39:01.320 --> 00:39:04.659 forget to subscribe. Leave us a review and share 00:39:04.659 --> 00:39:06.860 it with someone who could use a little networking 00:39:06.860 --> 00:39:09.880 inspiration. Let's keep the conversation going. 00:39:10.059 --> 00:39:14.599 You can find me on Apple, Spotify, Pandora, YouTube, 00:39:14.739 --> 00:39:19.400 or my website, foreman .com slash podcasts.