The Level Up Podcast w/ Paul Alex - How Regular People Are Becoming Their Own Bank in 2025 ft. Sergio Loaiza

Episode Date: June 21, 2025

In this powerful episode of The Level Up Podcast w/ Paul Alex, we sit down with Sergio Loaiza (@sergpro11), founder of Protect Your Legacy, to uncover how he turned financial adversity into a blueprint for generational wealth. 💰Sergio breaks down the concept of infinite banking—a wealth strategy that allows you to borrow from yourself, eliminate debt, and build a private family banking system using life insurance. From praying for answers to building a legacy-driven financial strategy, Sergio shares how this game-changing approach helped him take full control of his money and future.🔑 What You’ll Learn:What infinite banking is and how it worksHow Sergio used it to pay off debt and create cash flowWhy leveraging life insurance is smarter than savingThe mindset shift from surviving to legacy-buildingWhether you're looking to protect your family, eliminate high-interest debt, or start thinking like a bank, this episode is a must-listen for anyone serious about financial freedom in 2025.🎧 Watch the full episode now on YouTube, Spotify, and Apple Podcasts!“Your Network is your NETWORTH!”Make sure to add me on all SOCIAL MEDIA PLATFORMS:Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024Youtube: https://jo.my/ytpaulalex2024Linkedin: https://jo.my/inpaulalex2024Looking for a secondary source of income or want to become an entrepreneur?Check out one of my companies below to see if we can help you:www.ATMTogether.comwww.CashSwipe.comFREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com

Welcome to the Level Up Podcast. I'm your host, Paul Alex. I went from being a cop to an eight-figure entrepreneur that helps average people like you and me make money every single day. I created this podcast to help you get motivated and to crush your goals. Let's win together.

Remember, I have your six. Get ready to level up right now. Hey guys, and welcome back to the Level Up Podcast with Paul Alex. Guys, we have a special guest today. Look, guys, I always talk about OPM, other people's money. Okay. When people hear that, they're like, Paul, what are you doing?

Are you scamming? Are you going ahead and getting loans from somebody shitty? No, no, no, no, no, no. Here in business, guys, the key to life in the game is to know how to work the life in the game, okay? So in business, you always wanna leverage your money, okay? And I'm gonna be talking to a special guest on our podcast today that actually helps entrepreneurs go and actually build their own banking system.

And that sounds pretty cool, right? So I wanna introduce you to my friend Sergio. Sergio, welcome to the show, brother. Hey, Paul, thanks, man, for having me, brother. I'm excited to be in Miami. It's been a while since I've been here. And yeah, I'm Jacked, man. I'm Jacked to share as much as I can with people

and just add as much value as I can, brother. No, absolutely, brother. So let's dive into it, man. What were you doing before you got into entrepreneurship? Well, so I've always been into entrepreneurship. It started back in elementary school, selling pencils in elementary school, candy, whatever we could.

So it was kind of, so background, originally from Columbia, South America, immigrant family, just like yourself. My family came to the States for the American dream, right? So a lot of people can relate. And the hustle was always within my family, my mom, my dad, always watching them. So I've always been an entrepreneur from even a little kid. But I guess if you're asking kind of what I was doing before like really jumping and diving into like what I consider entrepreneurship now. I was a student. I was an athlete. I played division one soccer and

you know in the marketing space I was kind of in the marketing space and we can go down that route because it's a it's a fun story of how I got Into the marketing world, which is really a lot of what we're talking about now. No, absolutely So so I love that division one soccer player. Yeah, dude. That's awesome. Yeah. Yeah, it's it's a hard sport I think it's one of the hardest sports out there. Oh, absolutely. I mean, that's why it's worldwide. Yes, exactly. Right, like what Pitbull always says. Yes, worldwide.

But no, so you're a Division I soccer player. Let me ask you, why didn't you stick with that instead of entrepreneurship? That's a great question. You know what? I think there's a lesson in this for sure. I got to a point in my career that I had to be honest with myself and say

I'm not am I willing to put in the work that is necessary to produce the result that I ultimately want. Yes. And when I looked at myself in the mirror I gave it one last shot and ultimately came down to this. I looked at my competition and the guys that I was competing against. Yeah. And some of them I would just say had more raw talent. You know I was good I was fast I competition and the guys that I was competing against yeah, and some of them I would just say had more raw talent. You know I was good. I was fast I was always the fastest whatever there's a lot of things that I had but when it came down to like the raw talent and Understanding the game it just came so much in that more natural to these higher elite players I had to work so much harder at it

So it was asking myself am I willing to put in 10x the time of work that they're gonna put in Just to get on the field? Or do I redirect my attention somewhere else that will still help me create the life that I want and and impact the people that I want? So it was just a conscious decision. Dude that's good and you know that's that's actually very mature. How old were you when you were like making those decisions? I was I was 20 probably 21 years old. Yeah 21, 22. I just almost graduated And so I got injured just like everybody's story

you know a lot of a lot of former athletes get injured and they have to try to come back and I tried to do that but then eventually You know I went to try out for a team in Charlotte Made it to the last 11 as that they were gonna pick from. And unfortunately, I didn't get chosen out of those last 11. That was kinda my last go at it. So age 21, you start looking at your competition, you try out, you don't get picked, you get injured.

Dude, did you invest a whole lot of time into learning that skill? Cause D1 is no joke, bro. That's like pro. Yeah, so. Down there. But like how much time did you devote to soccer? Due to hours and hours and hours. I remember, so you guys, this is a big name

that people wanna know, Clint Dempsey. Obviously US national team played in Europe. So Clint was, I was gonna say probably two years older than me, he played at Furman University. I grew up five minutes from Furman University. And so I remember I would go out to train by myself in high school at Furman on the field. And there's Clint training as well

because he's playing at Furman at this time. And so we're talking hours and hours and hours. There was a two hour loop around that lake that I would run over and over and over before I went to my college career because there was one thing I was like, hey, when I get to preseason, I'm going to be at least the fastest. And I was, but what I didn't realize once again, once you get to the next level, there's just players that have, whether it's God given ability or they just maybe

they worked harder in that asset or that part of the game. But yeah, so that's kind of how it started. No, I got you man but put a lot of work in man hours and hours and hours my entire childhood yeah yeah so so so since you were a kid to the age of 21 you know focused on soccer was able to make it happen but dude that's that's still such a great blessing yep to be able to play that and say that you did yeah position because you know what thing that it shows it shows that you were discipline yeah position because you know what thing that it shows It shows that you were discipline right? Yeah, and you know out of everybody that I know I know you know that in entrepreneurship You need discipline. Oh, you need massive discipline, right? So, okay cool. So agent 21 you go there and you go and

How you basing your decisions are you going off of like,, okay, you were starting marketing, don't want to go that route. Did you have a friend? Did you have a mentor that went ahead and was just like, hey Sergio, this is what you need to do. Yeah. So I think my kind of my next step was, you know, a lot of times people might not have direct mentors, but you kind of fall into whether it's chance or faith or fate, you fall into

a career path. And actually, that's actually what happened to me. When I was in college, I fell into the marketing world, the experiential marketing world. So I didn't necessarily have a mentor, but I fell into this space that was kind of going to be like my next pivot point. Like, what do I do next with my life? You know, I'm outgoing, I like people, I want to do something that helps people and so on. And so I fell into the experiential marketing world and a lot of people don't know what this world is, but it requires, it's basically these big events, Super Bowls,

X Games, IndyCar races, all these massive events. There's a lot of sponsorships. People sponsor these events, companies sponsor these events, right? And they put on experiential events for the guests that are attending these these big massive events So I fell into that space and as I was graduating I actually started criminal justice So I was thinking of going into law enforcement Really? Yeah, man. I was thinking what happened dude. Well, you know, this is exactly this is what happens part of the story So I'm studying criminal justice thinking of going I'm going to hostage rescue. Yeah HRT. Yep HRT is what I'm planning on doing going to FBI route and this is my career path

So you want to do Fed? Yes, okay. I was gonna do Fed but HRT. I wanted to jump out of helicopters I wanted to do hostage rescue type stuff. I don't know if it just came from the movies, but anyways regardless That's what I wanted to do whether it was acting and doing it or doing it in real life I just thought it was really cool, but that's what I was studying that in psychology and it or doing it in real life. I just thought it was really cool. But that's what I was studying that in psychology. And long story short, within that essence, I was like pursuing that but I fell into the marketing world. And I was like, man, this is a really cool career. Not only can you make really good money doing it, but it's also fun. And so I pursued that during like my last two years of college. Right. Last two years of college,

I pursued that and landed a job once I graduated, and the rest is history. I traveled for about five years doing experiential marketing for Fortune 500 companies all over the US, Verizon, Walgreens, these really big names. And I was kind of the face of the brand. Yeah. I was an emcee within my role.

Sometimes a hype man. I'd be on stages hyping people up at these events, and just kind of orchestrating the excitement around the event So that's awesome. Yeah, that's a cool cool part of my story So how long were you doing that before you finally you were like, hey, you know what? I Think I'm gonna try something different. Yes, Greg. That's it. I love that question So it didn't take long because it was still a job and then around what time was it? Okay, the year so years now so that now we're flash for a flash back to

20 I make sure I get the the years right probably 2013 Yeah, 2013 I'm kind of almost hitting my peak of in the in the marketing world had been doing that for a couple years now It probably started around 2009 2010 mm- And so 2013, 2014, really going into 2015, I was like, okay, this is fun. It's been an awesome career. I love got the chance to travel, made really good money doing these events, made a lot of connections. But I was like, it's still a job. I still and this is this is my turning point. I'm emceeing a Super Bowl. Matter of fact know that I think about it. It was the Super Bowl down here, dude the last Super Bowl in Miami

I'm down here, and I am emceeing the event We've got all these athletes that are coming in that I'm supposed to interview one of them is running late because of traffic And I had been going for six hours straight. Yeah MC and hyping people up using my energy I mean thousands of people in this event and I'm and I'm running I'm running them So it's a lot of work. It's a lot of work. I'm drained. Yeah, and so I'm literally like I'm literally like super hungry Side side story. I'm kind of high blood glycemic So it's like my sugar is already running low and I look at kind of the event coordinator I'm like, hey, I gotta get some food.

Like I am really hungry. And she looks at me, she's like, I'm sorry. Like the athlete's running late. We don't know when he's gonna come in. And if he comes in, we've gotta interview him right away. And I was like, well, we've been waiting for another, an hour. I was supposed to go on lunch an hour ago. And like, I'm running low on energy.

Like anyways, and so she was like, we can't, you can't go. And I literally in my mind, I was like, there's no way Yeah, what do you mean? I can't go. I don't care what career I don't want I never wanted anybody to control me like that again. Wow. So the epiphany was because someone Told you that you couldn't go eat. Yes, and you were like, this is crazy This is crazy even in a career that I loved and I loved it And so and I get the dynamic of like hey This is an athlete's coming in but at this point my hey, it's not my fault that this guy is running late We have we can do it later

Maybe somebody could step in and do the portion the interview that I there's nobody else there I get it But at the same time it was just enough for me like hey, this is probably the last straw Yeah, I got it. I got to start something on I got to do something on my own and were you married at the time? I was single you're single. I was single Okay, my my my my now wife was actually working that event with us at the time Really? I had brought her down and she was working the event with us So she got a chance to see all this and I kind of got a chance to vent to her and explain like hey Like I'm pivoting like I'm doing something completely different Wow

Wow, that's amazing how things work out. Yeah. Yeah, it's crazy So your wife was able to see all that and then see you do the transition. Yeah, that's awesome. I love that Okay, so from that moment How did you decide to go ahead and pick your niche after that because a lot of people they I mean dude like On this podcast specifically it's about self-help Mindset and I feel like you always have to know who you are as a person like we were talking about core values Yes, talking about family talking about your wife talking about all that stuff and and you know, that's why I resonate so much with people like you and and all our guests and

That's why people listen to this podcast because they're like dude, like, you know, I just real genuine. Yeah. Yeah positivity, right? So How did you go ahead and actually think of the niche that you're in now, dude? Well, you know, every, I think everything happens, uh, in stepping stones. Um, right. And so I've always had a faith foundation. Um, and so for me, it was really, it's always been really important to align myself based on my values and my faith. And, um, ultimately like what, like what's the true goal and outcome that I wanna create and kinda work backwards.

I think you've said that before in some of your shows. And it was kinda that. I knew the lifestyle that I wanted to live. I knew that one day I wanted to have full control of my time, full control of my money, the ability to do what I want whenever I want with my future wife and future kids. And I wanted to be present.

I wanted to be a present dad. And now thankfully I'm able to do that at a big capacity. And that's one of the things that even drove me as a single guy, dating guy, that was still something that in my mind I knew I wanted to create. And so with that in my mind, I was like, okay, well, what's something that's going to allow me to do that? Well, entrepreneurship. So let me start my own video production company with me and my brother. That's kind of our first venture. We did that. Let me dabble into the space of network marketing and grow a team in that space so that ultimately it can give me more freedom because it's a different type of income. It's more passive. But then

you flash forward to now, how I ended up to where I'm at now yeah it was ultimately honestly out of out of necessity and almost I would say that it's almost like God like hey here it is I'm hitting you again with it that's what I was goes dude yeah I always say God is in everything that happens yes it's like I I no longer especially at the age of 37, get mad when bad things happen. Dude, I hope. We'll talk about that in a little bit. Because I'm such a big believer, dude, that things happen for a reason and it might just lead you to the path that you need to go. If you choose the positive route. Correct. Because it's still our choice. You're absolutely right. And this is where I'm like, man, I totally fell into that. Well, hopefully we'll get a chance to,

I'll share a little bit of that part of the story. Yeah. But it came down to like, what's gonna create, what's gonna create that life? So you said something that triggered it. It was like, I believe that God opens doors, but he doesn't keep them open all the time. Right.

He'll open them and he definitely won't push you through them. So you've got to step through them. And what happens if you don't step through that door when he opens it for you, it might take a really long time for that door to be open. There's not that many opportunities in life, dude. And when the opportunity is knocking, you got to open that door.

You actually got to kick that door open. You got to be ready, right? What's the quote? Maybe you know it, the one about luck. It's like, you know, there's no such thing at luck luck is when Preparation meets opportunity. I believe that's kind of how it goes. Yeah, but I love that. So that's kind of how it was I read a book. I would always been in personal development. I'm a huge fan of Tony Robbins It's actually I got to introduce you to one of my newest employees

Okay, he just graduated from Penn State. Okay to work with us literally a week after he graduated. Okay. Check this out. His parents work directly with Tony Robbins. Oh no way. Yeah. I love so I love Tony. I don't know. You got a network with him dude and he's just like yeah bro whenever you guys want to go see Tony let's go. Because to me I've got a similar story. Yeah. I think everybody has big turning points in their life. Absolutely, 100%. And potentially multiple. I've obviously got multiple.

I'm 38 years old, so I've got multiple up to this point now. But one of my big early turning points has to do with an ex relationship, similar to your story. And I don't personally ever share that from the perspective of like, oh, what if I share from like man Well, I'm so glad that happened because I learned so much and it made me the person I am day

I respect my wife now For how amazing she is similar to you back in 2020 back 2007 was kind of like the like a relationship thing happened where It was the first time ever I had checked my identity. Like am I actually worth what I believe I'm worth? Growing up in the South, not to get into other topics, but growing up in the South and you know being a little bit different than what people are used to seeing, especially in the area where we grew up. I kind of just started questioning myself even though I was a good person, I was a good kid.

So you're saying being Latino. Yes, yeah. Being Latino in the Carolinas. It's a little different, man. It's a little different. I mean, to be honest, it ain't Cali. It is, right? It's not Miami.

It's not Miami. And people, even though people always assumed I was from those areas. But, you know, I went through a short season after a breakup where I actually, for the first time ever, started questioning myself, worth in my identity Yeah, and if I was worth and I turned to Tony Robbins and in 2007 on just a massive personal development journey That literally changed everything for me mindset wise and then obviously trickled into everything else that we have now

But I read a book from Tony Rama's about kind of a course It was one of his first courses that that he ever put out that's called a slight edge Yeah, I mean I was a college kid at the time paid 350 bucks for barely had the money to pay for it And it just changed my mindset so much and then kind of trajectory pushed everything to where it's at now Isn't that crazy how the littlest thing? Yeah can change your life And here's the thing most people think Life changes when you get an abundance of money. Mm-hmm. No life changes when you actually Believe in yourself. Yep, and a lot of people don't believe in themselves, especially now

Yes, especially what everything that's going on why social media man? Yeah, you know social media is a double-edged sword It's totally is dude. Just had a previous guess. Yeah, he's a bodybuilder transition to a Now doing online You know fitness coaching him, but he's he's doing it with his wife Okay, awesome, and and you know they they are a faith driven couple awesome. You know he talks about that I think I might know who you're talking about. Yeah.

Yeah. His name's Carter Montgomery. Okay. Really good guy. And he works with, do you remember who? Garrett White. Okay. If you know Garrett White.

Yeah, I know Garrett. Yeah. He works directly with him. So what he was saying was just like, you know, social media is a double-edged sword because you can use it for good and you can use it for bad. You know? So nowadays, what's happening is people go ahead and look at their own life and they go ahead and they're like, okay, they're keeping up with the

Joneses. Yes. And keeping up with the Joneses won't ever make you happy, dude. I always tell people stay in your own lane. Yeah. Focus on your own goals. It's quick comparing. Yeah. Especially with social media, dude. You're so, you're so spot-on and it's like I I was you know I was thinking about it the other day either you either you use social media or it uses you and I love that and and and and I'm right now I'm seeing it is Abusing not just using it's a be using a hundred and their mindset and I say this all the time to people It's that look we are in a battle for our mind Whether we know it or not and we are living in a generation

That is literally paralyzed Everything that they're seeing on social media everything and even though we are marketers and we push marketing You know what it is a double-edged sword like like you're talking about. I don't want to be on my phone all the time I don't want to be marketing and Filming and promoting all but it's part of the process to create a lifestyle that we want, but there's a balance. There's gotta be a balance or else you can go down that, that path.

That path and it spirals down downward pretty quickly. Well, the other thing is, you know, you're saying, you know, we're marketers and being a marketer is great, but also it's based on what you are putting out there. Yes. And I think if you are putting out there. Yes. And I think if you're putting a positive message or actually trying to help people, you're actually trying to provide value. Yes.

That's where your change lies, man. That's when the ripple effect comes into play. That's when you're like, dude, this feels good. Yeah. Right? And I tell people, dude, I enjoy, I love doing this. Yeah. I love, I love meeting.

Having this conversation. Owners like you, making friends like you, leveling up my mind to you, because it's inspiring. It is. It totally is. It's so inspiring, right? And you get to see how people go ahead and the different strategies and different ways they think.

It just makes you grow as a person, right? You said it on a show not too long ago that I was listening to. And you're just such a genuine person. And I can relate in so many different ways because you're just like for people watching any of these shows Hopefully as you're watching you're saying you know what if they can do it I can too and the 100% answer is yes Absolutely anybody can do whatever they choose to do as long as they're focused on it, right? And I know for me that that's one of the biggest things is I was like, man, Paul's just a real cool, genuine dude.

I mean, he was a cop. Look at all the success he's had now. If he can do it, I can do it too. Absolutely. And we can do it together. Yeah, no, absolutely, 100%. So that's the goal. So yeah, I'm excited.

And obviously, you were asking earlier that question. And to where I am now, it's a completely different phase of my life with two kiddos and a beautiful wife. We've gone through a lot, but I'm just grateful for the things that I've learned now that are kind of setting us up for what I would have called our legacy years.

Because I'm 38 years old, you might not be, people might not think, oh, what do you mean your legacy years? This is where it starts. It does. 40 and up is my legacy years. And the thing is like for men You know we enter our permanent authorities. Yeah, and

For many men they think they have to have it all Solved you think that they have to have like they have to be especially in social media Yeah, nowadays you got people pushing well. You gotta be a millionaire by the time you're 21 otherwise what you're doing It's just like bro. I didn't even know what I wanted to do at 21 You know I'm saying you had back injuries you were a division I player. You were like, dude, I'm about to go play the World Cup. And then all of a sudden, all that happens. And you're like, what do I do now? Yeah, yeah, you're exactly right.

Yeah, same thing with a couple of my guys. You know, Division I football player, Texas, a scholarship. Things can go NFL. And then boom, back injury. Stuff can change like that. Stuff happens, man. And then you go ahead, and you make the decision to either use it for bad or good, right?

And that's what I tell people man. It's it's definitely around who you are around. Yep, and I think self-development actually saved my life Self-development saved my life. I believe it. I've seen them part of your story And I believe it dude it really did and people don't understand this they think like they see all the materialistic things They see like the lifestyle I have but dude, I've gone through a lot of dark places to be where I'm at. But what fulfills me and what pushes me every single day, what leads me to fulfillment, number one is my wife. Yeah.

She's my best friend, dude. That's awesome. She's my best friend. She's my rock. But second, it's my family. Yeah. You know, it's my family. It's my mother.

You know, it's just being around them, experiencing. Being able to go ahead and help them live life by design. For them, dude, for them. Like to me, dude, to be honest, I love this. I love to work. And people ask like, hey dude, there's balance. I was just like, okay, let me tell you this question. I was like, what's the last time you took vacation?

I was just like, well, I took my wife to Paris. I was like, what's the last time you took vacation? I was just like, well, you know, I took my wife to Paris and I took to my mom and her best friend. Here's the thing though, when you are living life by design and you're able to live a life where you feel like it's a vacation every day. You don't have to vacate from it. Dude, exactly.

Exactly, yeah. Exactly, so it's just like, that's what I'm trying to go ahead and show other people. But then also I'm trying to help other people get to that point in their life where they use probably what I've done as a stepping stone, right? Dude, and I'm so grateful for that. I'm so grateful for that.

And I am like, I'm inspired by that because as I watch your story and watch what you were able to do for your family, your mom and siblings, right? And you've helped a lot of your immediate family. your mom, and siblings. And you've helped a lot of your immediate family. And for me and my brother, that's one of our biggest goals as brothers is to just be the ones that change it for our generation.

And it's just so inspiring because who doesn't? Who out there listening doesn't want to level up and be that one in their family that changes it generationally for their entire family. Dude, bloodline breaker. Yeah. Bloodline breaker. Gotta be.

I'm inspired for that. I cannot wait. I hope that I can come back and look at this video and not just prove it to people, but just be an example of like, look, when I talked to Paul, I hadn't yet been able to retire my mom and my dad and all my siblings in my immediate family but a couple years later I did yeah and this is the stepping stones that I took to create that. Absolutely man and I really tell you one person can change your entire life and I because I'm a big believer in

network yeah I'm a big believer in energy yeah and I'm a big believer in environment yeah it wasn't until I actually moved, extracted myself away from where I'm so used to being and where I lived and the same people and the same mindset and then when I moved, dude that's when everything just 100x. It was crazy. It wasn't even 10x, it was 100x. It was insane. It was insane. When I tell people, they already don't believe me about how It was a hundred like it was insane. Yeah, it was insane when I told people, you know They really don't believe me about how I was a detective and all that and I'm like, well, dude You could just look me up on the records in California. It's very easy But but on top of that they're like dude, there's no way you you used to do all that crazy stuff

Seven years seven years Seven years in law enforcement five years as a detective but the journey I'm saying the journey was yeah Yeah, but like no, dude Like I'm telling you like it just it could go very fast. Yeah, it could go very fast once you go all in Yeah, Sergio, let's dive into How did you get into infinity banking dude? Like okay first off because we have a lot of beginners Yeah that listen to this dude, so, you know me and we got a we got to break it down Okay, right because if any banking can mean many things you can so let's break down We have a lot of beginners that listen to this dude. So you know me. Hey, we gotta break it down.

Okay. Right? Because if any banking can mean many things. It can. So let's break down what infinite banking is to you. Okay. Second, you know, I'm a storyteller dude. So I love to hear stories.

So how did you find out about it? How'd you learn about it? And then we'll take it from there. Okay. Let's start there. Cause this is the Fern Journey. And it talks about the concept in a in a realistic way. The concept is all about the ability to compound your money for generations. So

think about the word compounding right? So for me the first time that I actually heard about a concept that is similar to infinite banking like you said infinite banking is the current term that people know it as now. Right? Before it was a different term because it was packaged in a different way. This was a little bit before 2014. I came across an article that was actually talking about how people could use whole life insurance in some type of special way to purchase vehicles for the rest of their life. Okay. So I was like, and I was reading this article

and it was like, you know, old school article, all just email and numbers and stuff. But it was so intriguing to me because it was like, wait, a car is something that all of us are gonna need. We're gonna buy maybe every three, five years, not only us, but our family members as well. So we're gonna invest a lot of money into cars. And what the article was talking about,

what if you could capture all that money within your own banking system and redirect the flow of the money? All these terms, you're like, oh, that sounds awesome. I wanna say that was probably 2013. Went right over my head. Even though it sounded really cool,

I dove in, no joke, probably about a day and a half, sent it to my brother, I'm like, oh, this looks really cool. I dove in, no joke, probably about a day and a half, sent it to my brother. I'm like, this looks really cool. I tried to explain it to him. I butchered it. Couldn't explain it. He was like, what are you talking about? I mean, it sounds okay, but you can't even explain it.

Whatever. And so it went over my head. Next year, flash forward 2014, Tony Robbins came out with a book, Money Mastered the Game. In chapter, let me see if I quote it perfectly, chapter 5.6, massive book. I mean that book is huge. I don't know if you've read it, but it's a big book. I had to listen to it, because I'm not a big reader,

but I'm a good listener. And so I dove into the book, got to chapter 5.5, listening to all the money principles, got to chapter 5.5, boom, the door got again, God opens the door again, and it just triggered.5, boom the door, God again, God opens the door again and it just triggered like wait that's that thing that that article was saying about Tony's calling it something something different he's called it private banking he's calling it PP something all these different names I was like but that sounds really amazing

like that sounds like that slams like the wealth secret that I've been missing guess what I did again? Just kept reading. Again, 2014 kept reading, bro. And I'm just like, okay, now flash forward to about three years ago. So three years ago, I had, me and my wife had the privilege of getting an end of year bonus

in one of our companies, significant end of year bonus. At the same time, it was around COVID. And at the same time, we had just moved into a house, bought a new house. And you know how that is, when you buy a new house, you don't just buy a house, you buy a bunch of other stuff with it too.

Furniture, absolutely everything. And no matter how well prepared you think you are, that bank account starts draining. Yeah, 100%. Anyway, so we're in that season of life. Our bank account starts draining. I'll start seeing it. COVID happens, and I lose one of my biggest production contracts

that I have. Wow. 10k a month. Lose it. Completely gone. Just moved in to our new house. She is two months from giving birth to our first little boy. I lost that massive income.

Completely almost drained our savings And upgraded our house with the things that we needed. Okay. Okay. So let me let me paint the picture. Yeah, I Like how you set it up. So you got stuck on analysis paralysis. Yep You start, you know reading up on infinity banking Tony Robbins book keep reading. You're just like you're thinking about it It's a great idea, but there's no execution. Yep. Let me ask you Keep reading. You're just like you're thinking about it as a great idea, but there's no execution. Yep. Let me ask you During those times where I mean before everything happened with the house and the kovat and then losing that, you know, big contract Was it because you were comfortable you know what I would have to say if I'm honest with myself Yes, like I it's lack of strategy comfort kind of just you know things were things were flowing things were things were good Like what's good, dude? You were like I don't need it. Yeah exactly that and that's what it is for

It's like it's just like you don't need it or you don't understand it. That's what happens to everybody, dude I'm telling you it happened to me for two decades You don't need it or you don't understand it or you don't take the time to truly educate yourself And that is if there's one mesh and message that people get out of this podcast today is please do yourself a favor and understand it. Just understand the concept because it can radically change your life for legacy. As we talk about it, clarity is everything. Clarity is key, especially in business.

Because if you can't articulate what your offer is, what your service is, what you are trying to sell, what you you trying to provide as value Yeah, because people have to perceive the value they have to see it for themselves And if you're not able to land it on that target, you know Confused buyers don't buy. Yes, that's just flat out what it is. You said it So yeah, every year we have a word we have a family word of the year Mm-hmm that we just meditate on we pray on and whatever guess what my word was you said it What is it clarity?

Clarity is our word of the year. We have it plastered on on a whiteboard in our living room And it says clarity because that's this entire year was about getting clarity About how to never put ourselves in that position again And I love that and the story, you know not to go super in the faith, but I'm a faith guy. Dude, go on. I'm a faith guy and I, you know what, we were in that season and I'm a man that prays. And so I got in my prayer closet and I was praying. I was like, all right, Lord, look, we just had our baby boy.

Those three months when we had him were the toughest three months as a husband because I knew where our finances were and my wife was just trusting me that I was gonna do the right thing so your wife knew nothing I mean I she knew what I told her what she wanted to know I would I'm always I was always an open book but I was like hey the least the least questions you ask the better you're like you don't need to know about you don't know because I don't want to put that financial stress on her she doesn't need to know about this. You don't need to know everything. These questions you asked about her because I don't want to put that financial stress on her. She doesn't need to carry that.

It's my responsibility. Well, also, I love that, dude. Yeah. I love that. That's traditional values right there, dude. As a man, I got to take care of business. Wifey, you know, you just gave birth. I don't want you to stress like that.

That's good, bro. You don't need to be stressing over that. Hell yeah. That's what I'm talking about, man. We're in that position and I'm praying. I was like, all right, Lord, show me what's next. We've got, I've got some businesses that are doing well, things are running, I've got some cash flow coming in, but we liquidated almost everything, right?

And that contract is completely gone. And as I started praying, he opened the door again, but I was ready this time. The door opened wide again and I was looking once again, thank God we got that bonus, end of year bonus for one of the companies that we were building. And so I was like, there's got to be a better way to put this money to work, to make this money flow. Yeah. That was my prayer. That was like, that was what I was asking. I'm like, there has to be a better way. We just made this chunk of money.

There's no point of me paying off this debt. It's gone forever. If I just take this 25K, if I take 25K and pay off this credit card debt, or pay off whatever that we bought for the house that maybe you put on credit cards, and that's awesome, the debt will be gone, but so is the money.

I was like, there's got to be a better way. And I kept asking, I kept asking. Next thing you know, as I'm searching, boom, infinite banking pops up. And I'm like, man, I've heard this before, but once again, it was in a different context. So where'd you see it? It was online, on social media.

I love that. Social media, it was the first video, one video that I watched was actually a guy that is within our same organization Organization some of the same guys that I learned from yes Watch the video of his and I was like man This is that same thing that Tony Robbins was talking about in his book and that article I read that nobody could understand Because he was talking about what if you could? Get back the money for every single car purchase that you purchased for the rest of your life on top of that.

It clicked. I was like, well, wait, if I can do that with a car, why can't I get back the money for the debt that I'm about to just pay off? I started digging, researching, diving in on my weight. You're telling me that with this infinite banking concept, I can redirect my money into this vehicle first and then borrow the money from myself, pay the 25k of loans that I that I owed to the bank, and then I now make the terms of how I pay myself back and when I do it stays within my own family banking system. Check, check, check, check. I was like and on top of that married, married with a new little, and on top of that, married, married with a new little boy.

And on top of that, I was very specific about my prayers and what I was asking God to show me and reveal to me and give me clarity on. We were looking for life insurance too. Will you bet that Infinite Banking is a life insurance product? It's directly tied into it. It's directly tied in. And I was like, first of all, I would have to be an idiot not to know that God pushed me in that direction. Everything I was praying for, he laid it out for me. Here's what you're looking for. You want to protect your family long term?

Here it is. You want to learn how to properly flow money through your life so you can create generational wealth, long term and all these other thing benefits? Here it is. Here it is. Check, check, check. And as I started going down through the checklist of what infinite banking can be used for, it checked every single box.

And I was like, to me, it was a no-brainer. So I dove in for the next six months learning as much as I possibly could. I learned so much about it that I was like, you know what? The world needs to know about this. And I know there's some people out there sharing it, but I can be another voice. Well, I mean, this is what I always tell Sergio, especially in the online space, right? So the third time that this opportunity was presented

to you with Affinity Banking, man, what year was it? This was three years ago. Three years ago, so around 2022, 2023, correct? Yeah, 2023, yeah. Okay, so 2022, 2023, you see the third opportunity, this time you're like there's a reason why God put this in front of me Yes at this time again again again Yeah, dude, there's always is yeah, but always is right like back when I was in the department I had that good friend veteran cop that was always like ATMs and I was like, yeah, that's cool

And then I never did the research dude until I was just like you know I gotta find something and then yeah saw him again he was like ATMs bro and I was just like all right. You said it earlier it was such a good way of saying it you know necessity lack of clarity so necessity lack of clarity and that might be it you're probably at a couple more. But that's the bottlenecks. Well the bottlenecks is, you know, when people get, you know, let's say a little bit of money. Yeah, to get a little bit of money.

Like in your scenario, you got a bonus. Yeah. People want to invest it, man. They just do not have the clarity of where to invest it. But then also, they're not in the right environment to invest it. Meaning that they can't ask the right people. Yes. Because how are you gonna supposed to ask somebody that is having the same struggles as you? Right? And that's why the good thing about social media is that it does connect you with the right people. Yes. It does connect you

with the right information. Especially if you're searching for it. Exactly. Right? So then at the end of the day, dude, okay, so you figure out what infinity banking is. What is your idea to do as far as a plan of execution at that time? So end of 2022, beginning of 2023, you lose a 10K client, you're like, I need to make some cash flow.

Yeah. So what's your next plan? So my next plan was simple, is, you know, there's two things, you know, one of the most important things that I teach and I think people you're on the same wave is you got a you Gotta learn how to make income. Yeah, you got to be able to Bring income in whether it's passively or just or the sources ideally you want it to be passive So you got to be able to bring income in but you also Need to be able to protect it and keep it.

Meaning that that's the one thing that most people just don't understand or don't know how to even start with. We make income, but what do I do with it now? Right? And that's what we're talking about. And so that was it. I was in that position. I was like, okay, well, do I just pay off the debts?

And then that money, OPM, the opportunity cost of that money is gone forever. I will never see that money again versus just changing one thing Where my money flows first and now I have the opportunity that money to keep flowing again because now it's in with my own system So that was the first light bulb that went off and then I'm like from there my weight But if I can do that with that, I know I'm gonna get back on my feet again and start crushing it Like I was before it's just a matter of time COVID hit my industry a little bit harder than the most and so I was like I was before. It's just a matter of time, COVID hit my industry a little bit harder than most.

And so I was like, once I get back on my feet, why wouldn't I just direct every single one of my dollars through a system like this first, so I can keep the money within my family for generations and future legacies. And so that was the next plan because a lot of times people don't understand with infinite banking, infinite banking is a philosophy. It's a way of thinking and we all know this way of thinking

We just never been taught the game. We always say the game like the games not broken I know you hear a lot of people say the game is broken. The game is not broken, correct We just never taught the rules, correct. That's a big difference. The game works exactly the way it's supposed to work We just don't we're not playing with the same rules that the bankers are. Who controls the world? Bankers do. Yes. You know, there's tons of books and resources that we can we can probably share with with the audience and the guests that I think that radically changed my mindset around this. But that was it was understanding the game the rules of the game. Once I got that light bulb went off, I was like, okay, well let me understand

the rules of the game. And the rules of the game is the golden rule. Pay yourself first. Right, everybody. But who wants to pay themselves first? Nobody wants to see their money coming out of their paycheck. And nobody, even if you automate it, nobody wants to do that or vice versa

in the original scenario. If I worked really hard and I got a bonus, the thing I want to do is pay off debts yeah right you're absolutely right man in this rat race you get in this you get in this hole that you dug yourself and you feel like there's no way out because it's all mental yep like I love that you talk so much about mental the mentality and the mindset on this channel because that's my background in psychology and it's everything I would not be anywhere where I am in life without my mindset absolutely it's the first thing we it And it's everything. I would not be anywhere where I am in life without my mindset.

Absolutely. It's the first thing that I help people fix. 100%. It's the one thing that I needed to fix. Yes. As a man, as an adult, as an entrepreneur, as a husband, as a friend, as a leader. As a leader, yes.

But what's really cool about your story, sometimes there's people within their journey that they get to do it at the same time. You got to do it at the same time, which is pretty cool, based from what I saw. Some people don't get that privilege of getting to do it at the same time. Sometimes, hey, sometimes, in my opinion,

God's telling you, hey, you need to fix that mindset before I open this door that's gonna fix the money stuff. Yeah. Or vice versa, right? And so back to kind of that idea of the black books going off. It was the golden rule, pay yourself first. And I was like, well, what? We all know what that means. But why don't we actually practice it and do it? Right? Because it's a broken system. What if a system allowed us like infinite banking? What if it allows us to pay ourselves first and basically take back the banking function and then from there

redirect our dollars and still do everything we want to do. For example, a lot of times that when I'm sharing this with like wealthy entrepreneurs, they're like, yeah, but why wouldn't I just take all my money and then just invest it? Why would I put it into that system first? I was like, well, you're not missing, you're missing the main concept. It's the flow of money. I'm not saying you, you can't go invest. Infinite banking is not an investment. It's a storehouse. It's where you steward your money in the most effective way, because this gets into the nuts and bolts of it because it continues to compound. That word that we started with compounding,

uninterrupted compounding is massive. And that is what infinite banking allows you to do when you store your money in there it compounds without uninterruption For generations and you can still use the money for other things if you want to invest it Hopefully it's a good investment because not only do you have the money growing over here guaranteed But if you invest in a really good spot now, you've got a spread That's even better. And now your money's working in two places.

I love that. And so it's just like, the more I learned and the more I started diving into it, it was like, this is too good to be true. And why doesn't everybody know this? No, absolutely. So, um, I'm, I'm big, I'm huge on social proof, man. So what would you say? Okay. Um, let's do a mini masterclass.

Okay. Okay. Yeah. Uh, infinity banking. if somebody wanted to go ahead and leverage this What would you tell the average person? Because I always say I'm the average person and I'm blue-collar guy came from an immigrant family You know Similar stories dude, like, you know, I'm not the smartest guy but at the end of the day I was able to make it happen why because the mindset mindset and then going ahead and building my network and going ahead and asking questions and getting the right mentors. So we have a lot of people here that want to take advantage of everyone's advice but they just don't

know how. So break it down to the very beginner that doesn't know anything about this but then also tell them exactly how they would be able to work to make their money work for them. So that's a great question. A lot of times when people are learning about the concept, keep in mind is a concept and the concept only works with a properly structured whole life policy designed through a mutual company. All that mumbo-jumbo that I just said can go over people's head. It's okay, just know that that's the only way the product works and it's okay. You just have to just know that that's the only way the product works and it's okay.

You just have to work with somebody that knows how to do that. But a lot of times when people hear that, they think, oh, it's only for the wealthy. It's not, it's super beneficial for the wealthy because they've already had the capital and they just have never learned to use it in that way. So before you go on Sergio, what are some companies

that you would recommend to work with? That's a great question There's there's the top five top five that we work with You know we work as a brokerage so not every single company might be the best fit for you So we lay out all the scenarios out and we figure out what your game plan is and where your goals are Yeah, but top companies off the top of my head. You've got one America. Yep, you got Mass mutual you've got emeritus you've got MassMutual, you've got Ameritas, you've got Lafayette Life. There's one more, there's like five that I think are in that top category and there's

reasons. And we have tons of education that we can send people towards identifying which one might be the best for them. But they have to be mutual. That's one of the most important things. And then you can get into some nitty gritties that are a little bit more master class, technical type stuff, which is important, depending on the strategy. But the overall foundation where most people are going to get started, not that important in the beginning stages.

In the beginning stages, it's just helping people understand, even if they're not making that much money, redirecting the flow of the money. Because that's sometimes, I'm working with a really close friend, a really close friend right now, because I work with all types of people. Obviously my ideal client is people like entrepreneurs that have for some reason just never heard the concept

explained from somebody that they trust and then helping them redirect and create generational legacy and wealth. But I also work with close friends and family just like me that I'm like, hey, anybody can do this. It's helping them understand even a small amount of money redirected into your own system is way better than just letting your money, spending your money through the banking system the way that we all do.

Because you're just letting it go. It goes back to the opportunity cost again that we talk about. Every time you spend a dollar, even if it's cash, it's gone forever. But if you're willing to play the slow game, and it doesn't have to be that slow, that's what sometimes people miss too, redirecting the money into a system like this, you'll come out on top no matter what. And that's what's really cool. So hopefully that answers it quite a bit. Yeah, no, absolutely, man. So you work with one of these companies and then essentially you have to go ahead and make sure you get the right policy. Yeah, it's got to be properly

designed. Okay, it has to be properly designed and what are some factors that like people I guess choose in order that's very common I guess. Yeah, yeah. So great question. So factors it depends on the strategy. So I'll use my personal example. Yeah, man. Personal example. Lead by example, brother. Yeah, right, I'll use my personal. I wanted a policy design that gave me a significant amount of cash value right away

so that I could then eliminate outside debt and transfer it within my own system, right? Cause that was my first policy, the one that I was gonna design. My second policy and my other ones are very different. If, if we have time, we'll go into this. So you can have multiple policies. You can. That's badass.

It's pretty cool. You're literally building a family banking system. That's cool. And the more you learn about it, the more you dive in, it's not all this hype and you see on social media, a lot of people hype it up and promise you're gonna become your own banker and use these big terms. Right.

But they're not supposed to be hyped. They're just factual. Like it just is what it is. Like what do banks do with our money? Guess what banks do with our money? Guess who has- They loan it out. They loan it out and they trade people with interest.

Right, but guess who has the most policies that I'm describing, like this infinite banking, properly structured, whole life policy with a mutual company. Guess who has the most policies chase Yeah, I say Chase Thanks take our money and they go do that exactly yeah that the average person can do right But we just don't know we can do it, but we can so it's just like it's this world

That's like what so so Sergio like the the policies that you have yet the three you have three or more I have four you have four okay So the policies that you have you said the one that more? I have four. You have four, okay. So the policies that you have, you said the one that you basically wanted to use so you're able to leverage your cash the fastest. Let's talk about that one. Okay, let's talk about that one. Because I think most people that are listening to this,

they're like, okay, but I'm not trying to wait to, you know, invest my money into a policy and then I have to wait like years to go ahead and take it out, you know? I got some really cool examples here. Yeah, so like, break down some examples of what would be effective. Let's say if somebody has some money to play, dude, like let's say they have 50 Gs. They got 50 Gs, which majority of my listeners just based on like who my audience is, majority of people got 50 Gs.

I mean, this is what it is guys. They're like, what? Your clients all got 50 Gs? I was like, yeah, my clients got 50 Gs. So I put it to work. Right. So like you it to work right so like you said there's you know you got a strategy we talked about that a little bit like people understand the debt stuff it's like hey if you want to open up a policy to tackle bad

debt versus good debt you can do that right. Same thing the strategy and the philosophy is the same the only thing that changes is the numbers. Right and so if you've got more money to play with you just design a little bit differently for what your outcome is going to be. I'll give you a perfect example that I think everybody will relate. Let's look at my brother. My brother just, both my brother, we kind of do business together, but he does ATMs with you guys already. Yep. Right? We've got a couple ATMs. He does remote closing stuff. He's learned with you guys on that. He just launched into the credit card processing stuff.

Yep. Well, guess how we did all that? You leveraged the policy. Exactly. We borrowed it all from our own banking system. I love that. And so my brother came to me, Serge, what do we got? Hey, we got the credit card, the machine next.

This is going to be huge. We can, you know, we can be one of the first to market in our Greenville area with this. You want to help me with this? I'm like, yeah, I'd love to help you in whatever capacity I can. He's like, okay, well let's do this, I need about 10K for that, how do we wanna do it? I was like, well, we wanna do it from our own banking system.

I was like, I'll lend you the money, and either you have it now, or you don't, but we'll pay it back to our system, our own system, we'll keep flowing the money through there. So that's a simple example of like 10k But if you were talking 50k, I'll give you another example that I think a lot of people relate to that's very simple cars Yeah, okay me and my wife were in a in a season where we're looking to upgrade our family vehicle. Yes, right So I'm debating between a truck Tacoma. All right. I'm debating between a truck. I love my taco man

Tacomas do the Tacoma. I'm not gonna lie I'm not here, you know sponsored by Toyota, but if you're listening, what's up? Yeah. Yeah, I'm just saying like You know when I bought my Tacoma man, I never thought I would buy Tacoma But when I saw that TRD Pro, I was like my god, that's a beautiful truck. It's a it's one of the best-looking trucks out there I've always had my own it. I'm just deciding if I would actually use the truck Yeah, as much as I would use more of a SUV. Yeah, and so long story short We're debating between a truck and an SUV. Let's just say for easy numbers. Let's just say 80k You know good SUV family SUV for 10 years or whatever. I'll be our family vehicle

So how would a normal person go buy that vehicle? They would just finance it, right? And when you finance it, well guess what? You're paying interest to the bank. What if you had liquidity? Maybe you had 100K in the bank already. Well then guess what? If you have that, that is a massive opportunity

to max fund a policy and start the foundation of your own family banking system, which we are in the process of doing, which is cool because I'll have a showcase, like I'll have a real life scenario showing people exactly how it works. And so what we are doing, what we've already done, we've opened up our policy, we've max funded it in the proper design where it gives us enough liquidity

that if I want to, when we find the proper vehicle We go to the bank. Hey write us a check for 80k We take that check to to to the dealership we buy the car technically cash But it's a check and then now guess what we go back to our policy ourselves as family bankers and we say, okay Well, what were they gonna charge us for that loan?'re going to charge us this we should probably do about the same Yeah You know, let's do the same and if we can pay more we'll pay more if you can pay less if we have to pay Less some months will pay less but we're in complete control

Now we go back we design it and you don't have to you don't even have to do this This is all you can all just be in your mind, right? We go back and let's say the payment is 1200 bucks We now pay ourselves 1200 bucks and here's what happens after the cycle of the payments when we get done paying for that car. Here's what's gonna happen We're gonna have that beautiful car. Yep in our driveway We're gonna have used it for a couple years Leveraged it and we're gonna have the full amount back into our banking policy in the cash value bucket to reuse again and deploy it again I love that.

Not including if we did the same payment that we would have done to a bank anyways and we actually made money buying our own car because there's interest. So we actually made money buying our car, which is crazy. When you really look at it on paper, everybody's numbers are going to be different. But in essence, it's just the flow of money now is within your control. And that's just one example. That's just for a car.

Now of course you might do that every five years. You can do that for anything. When you build your policy right, you literally can just send a message to the insurance company and say, hey, I want this amount of money. And they're going to ask two questions. You want to check or direct deposit? They don't check your credit, they don't do any of that, they just send it right into the account, you use it for whatever you want and here is the cherry on top that I don't really focus on that much but it

is very important for people to know. Guess what happens if for whatever reason God forbid something happens to me within the first year of us having that loan out collateralized against our car. We have a, for easy example, we have a $1.5, $2 million death benefit attached to our policy. If for whatever reason something happens to me, that loan is covered by our death benefit. Oh, wow. whatever reason something happens to me, that loan is covered by our death benefit. Oh, wow. And my wife gets the remaining balance

of that 2 million or 1.5 million minus the loan that I owe. Wow. It sounds too good to be true. Well, that's knocking two birds with one stone. Yes. And that's just two of the birds. We can kill a couple birds Up in here with a tune you got taxes and there's so many benefits that we can talk about probably too much

One session so so let's talk about you know the primary concerns that a lot of people have Number one you know if I was to hear this I love it. Yeah, first off. I love it. I've heard about it before But let's talk about taxes man man. I mean, that's the that's that's that's a big reason why I had moved to Puerto Rico from Miami. And then I moved from California to Miami. So okay, taxes. Yeah. Now let's see this. How does taxes work? Where you go ahead and you use a policy to pay yourself? Is that possible? Yes. So in simple terms, here's what it comes down to. It's the flow of money. Once the money goes into the policy, basically the government almost can't recognize it. For lack of better terms, there's obviously

some some nuances there. But any money that you loan to yourself is not considered like capital that can be taxed. So anything that comes out as a loan isn't recognized as cash, like that the government can tax. So meaning that you could use that money for whatever you wanna use it for, if it's to pay an employee to whatever, I mean anything you can think of.

And so not only that, but also long-term generationally, when you pass away, which everybody's guaranteed to do that, we don't talk about it much, but it is what it is. Everybody's guaranteed to do that. It's eventually passed away. And obviously nobody wants to do it sooner than they have to, but when it happens, hopefully your family's protected. The entire death benefit minus any loans,

like we talked about, gets passed on tax-free to your heirs. So that's two of the components. There's a lot of other components that go that are kind of baked in that you can also leverage on top of the stuff that you already know with that you're obviously taking advantage by living in Puerto Rico. You can combine both strategies or better yet if for some for whatever reason if somebody doesn't have the capability Let's say they have a relative that they can't move to a place like puerto rico and they have to stay here You can you can accomplish very similar things

Just by flowing your money through a policy as you can by also living in a state like in a place like puerto rico Yeah, no, I mean, I mean that makes perfect sense, man. So, so let me ask you this. Um, with the policy, I mean, can anyone take out a policy? Can anybody take out a policy? No, like anyone. You obviously. Are there requirements? So you have to, you have to be, uh, you have to qualify, meaning like you have to be in good health, uh, those type of things. So it's just like any type of insurance type of thing. You have to do an exam and you have to go through underwriting is kind of the words I was searching for. So everybody has to go through some type of underwriting depending on the classification,

their policy might be a little bit different, but it's just like any other insurance. So yes, anybody can qualify. Now, if you have a crazy preexisting condition, that's different, right? There might be other ways or other avenues to go and explore there but in most cases yes anybody can qualify. And what if somebody doesn't have good credit are they able to get a policy? Yes so they don't necessarily check your credit to get to get a policy because

your your policy is more so based on your income, your health, your age, and your ability to pay the premium so that you then have a death benefit. That makes sense. And then what's unique is the design. Depending on how you design it is what allows you to then have immediate cash flow. This is really important. The way that we design it, you're able, we say 30 days. So a lot of times people, concerns, questions questions people are but is my is my money really liquid

Yeah, it is liquid within a matter of 15 days I literally just got on my line on my online account, and I requested 25k They deposited into my bank account because keep in mind. This is what people don't understand You're not competing with the banks. You're just doing the same thing that they're doing anyways You just do it first so since my money went into my policy first well that after I got the money guess where it got deposited into my regular bank Account and then from there I deployed it again to pay off the debts and then started paying myself back recycle now that capital is There again and guess what now we make we make an investment that say here's the thing that same money that I use Here's what here's like boom the light bulb that same money that I used to pay off the debt when we moved into the house

And when I started learning about it is the same money That my brother just used to get the credit card machines. Oh wow It's the same money. Yeah, because I just paid it back and I kept flowing it. Yeah Wow Big picture people don't get this in a lot of times people hide this up I don't like to talk about it much because I like to talk about the philosophy of it If you don't even get the philosophy, then everything else is like, it's so hard for people to understand.

But here's the cool thing. Let's say in the example of the 100K policy that I have for the car. And the car is 70K, 80K, whatever. When I borrow that money to get the car, here's what's really cool. The entire 100K is guaranteed to continue to grow at 45% depending on the company that you partner with.

So that's what's crazy. Your money is still growing no matter what. At that level. Yes. So, so even if you pull some of that 100k, it's still going to grow like it has 100k. Like, yep. That's amazing. It's amazing, bro. It's like in your own world. How? How? It's the way the insurance product is designed and it's the same exact things that banks do because we're on a fractional

system and this is why the banks are able to, when you put in a certain amount of money, they can lend it out 9X. Yeah. Yeah. We're playing the same game. They just never taught us. No, that makes perfect sense, man. So let me ask you this. Yep. Okay, this is gonna be a good one, dude. All right, I'm ready. All right, what personal pain point or life experience made you realize that there was a gap

in how people approach money and self-empowerment? Man. I'll repeat it again. It says's what personal pain point or life experience made you realize there was a gap in how people approach money and self-empowerment That's a deep question and um one that gets me gets it's getting my heart pumping yeah, brother I Think it's not understanding that life hits everybody no matter what and not being properly prepared. Life's gonna hit everybody no

matter what. Me and my wife just went through one of the hardest seasons of our life and thank God I'm a man of faith that prays and that's grounded and I have spiritual counsel in my life emotionally grounded because part of our our story over the past seven months it's a practical application of what this means to us what protecting your legacy really means, and I think to answer your question in a simple way, it's that, it's that I just don't think people truly understand that life hits everybody, and you hear it all the time, like you need a well

to dig your well before you need it. And thankfully we did. Part of our story over the, in our, and I love sharing it now because it's our overcoming journey. Me and my wife got to, for the first time in seven months, got to sleep in the same bed a week ago. Yeah. Since our second little boy, Kai was born. Love that. Because he was born with a heart condition, unexpected heart condition we did not know.

And we had the most magical, and I want you guys to take you through this journey, we had the most magical at home birth. Both of our boys have been at home birth. My wife is a beast. She is the strongest woman I know. Nice. Yeah. The most magical at home birth. My wife is a beast. She is the strongest woman I know. The most magical at home birth where, you know, I'll save you guys the details, but I got a chance to catch my little boy Kai. We had a water birth and I caught him and he's a miracle, he's a blessing,

he's perfect. But 10 to 20 hours later, we are in an ambulance, or she's in an ambulance with him on the way to the hospital, and I'm driving behind her, because he's losing oxygen at a really rapid pace. Oh no. Not knowing what was gonna happen, we just knew that he had a heart condition.

So we get to our local emergency room, we walk into a room about the size of this and there's 35 people in that room. Wow. 35 doctors, nurses, experts in that room. And I mean, to say I was overwhelmed is an understatement. We walk in there and they start giving us the debrief is an understatement. We walk in there and they start giving us the debrief.

And just to kind of shorten up the story a little bit, they basically tell us, hey guys, he's got a pretty serious heart condition. We're not gonna be able to operate on him here. He needs to go down to Charleston. And it's tough. And they told us that a helicopter was gonna have to come pick them up and fly them down to Charleston,

but that we weren't gonna be able to be in the helicopter with them. Oh man, that's hard. So, excuse me. No, you're fine, dude. And so, yeah, so they get our little boy, they put him in this helicopter and me and my wife have to get in a car by ourselves and drive three and a half hours and it's crazy because I still remember it like it was yesterday. Remember looking up and seeing the helicopter

lights flying above us and looking at my wife and this is the first time I've ever shared the story. It's good. And really, first time I've gotten a chance to, excuse me, man. It's all good, bro. Let it out. First time I've gotten a chance to really, like, process it all. And I remember looking at her and holding her hand and realizing that everything, everything that I learned from Tony Robbins everything that I learned from every single book from 2007 until that moment That was my chance to prove it to her

That I was I was I was strong enough to support her and myself. Yeah, and so Man, it was it was the craziest toughest three hour drive that I've ever had. Thankfully we put on some worship music and we just decompressed our minds and we get to Charleston and I'm sharing all this to get to the point of your question. And it's like two months at one of the best hospitals that I've ever been in. As we see our little boy go through a roller coaster of events while we're there and they do the surgery on his heart. He was born with

his two main arteries switched. His were like this. They're supposed to be switched so the oxygen flows and things like that. Thank God they were able to do a very successful surgery and and we were able to be released. Actually we got released on Thanksgiving Day so we were super super thankful that day for sure. We got released, we get home, and then the medical bills start coming in. Yeah. And so, once again, you answer, I mean, to answer your question, I think it's that. I think it's just like people, like, it's your responsibility to get educated financially.

Nobody else is going to do it for you. God's only going to open the door once, twice, maybe three, like he did for me. But I can't promise, I don't know how many times God's gonna open a door that could radically change your financial future and help you dig a well before you need it. I am so grateful that we dug ours, that I got financially educated

because when that million dollar hospital bill came in, I didn't even blink. I said, we got this. We can figure it out. We're good. We're good. Thank God we can figure it out. Insurance did not cover it all

because we did not have a million dollar coverage of regular insurance for health. So we had to get creative with other stuff. And thank God we had a vehicle like Infinite Banking to leverage to take control of our cash The way it's designed to be the way the game is supposed to be played Because now money can't control us. Do that's amazing. That's amazing. And then You're not able to worry

About your finances once you get into this system because you're paying yourself back. Yes Which is the most powerful thing that you could do pay yourself first I mean, that's it you can't I can't explain it any more simpler than that. Yeah, like literally That I'm in the process of writing a book. That's the name of it pay yourself first, dude I was about to say that needs to be your slogan like that. Hey yourself for it is I mean, we all know we all know the golden rule. We hear it everywhere pay yourself first pay yourself first Can somebody please just show me how to do it? Hello. We are showing you how to do it right now Yeah, we are showing you how to pay yourself first not only pay yourself first but pay yourself for generations

Wow, we haven't even tapped into the generational component of this We haven't tapped into the generational component of this. We haven't tapped into the trust component of this. We haven't tapped into the legacy component of this and how you can design stuff in such a way that you're almost untouchable and you truly are building something for the future generations because I've heard it said like this, good man a good man leaves an inheritance to his children's children Yeah, absolutely man. That's what it's about man. That's what it's about. So, you know, I'm a I'm a big believer you know, I always say this when I was growing up and Great school middle school all the way to high school. I remember, you know, I lived in a poverty community and all my friends

About 90% of the community, you know, I lived in a poverty community and all my friends About 90% of the community, you know Poverty man, I mean we're poor. So the few kids that did have money. I Will look at them. It's like how'd they get it? Mm-hmm. How'd their family? Yeah be able to afford the beautiful SUVs some beautiful homes like't understand, right? And it was just because the lack of education But then also now as an adult Age 37, you're 38, you have a ton of life experience You come to realize man that it's because their families bloodline Self-educated themselves and took those opportunities in their life

to build generational wealth. And it starts with one, with one, right? And that's why I always tell people, you're only one step away from poverty if you only have one source of income. So you have to go ahead and be proactive in looking for different sources. And dude, three times, the third time you were like, I'm all in. I'm ready.

Yeah, I'm ready. And you said it. You've got to be so proactive. And I think that's why I'm so excited about just being able to build a relationship with you because it ties in for your viewers and for other people. It ties in what I believe are the three most important things is creating more income. Hopefully that income is in a passive way as well. Right?

Everybody's got a job. That's fine. But maybe you create a side hustle, a source of income that's more passive, frees up more time and then how do you control that income? Correct. That's the component that everybody misses. That's it. How does the money flow after that because you can you can leave the third

one out of the equation but life can happen and if life happens if it life happens you can go back to zero or negative pretty quickly but if you're preparing and you're flowing the money through your own system at least you're in control because this is the component that we don't talk about much, but I'm in control of how I pay those loans back. Nobody tells me how much, when or why. As long as I decide to pay them back eventually, as a good honest banker, my family system will continue to grow for generations.

And for whatever reason, I can't decide, I can't pay it back. It's still backed up by the debt benefit. Yeah. So it's just like, I don't know what else you could ask for. It's a great safety net, man. It's a great safety net for you and your family. It's a great safety net for just your overall wellbeing, especially if something was to happen

to one of your family members or you, right? So dude, I love that. That's that's such a great story. It's very powerful. Thank you, man. Very powerful. Thank you for sharing that, brother. So let's dive into real quick.

Yeah. What does protect your legacy mean to you personally? And the follow up question that and what legacy are you building? Okay, I love it. Well, I mean, protect, see here's the thing, protect your legacy to me personally, is my kids. Yeah. And my wife and our future kids.

Here's what protect my legacy means. And it's beautiful because until you have kids, I don't think people truly understand that we are privileged with teaching our values to a next generation. Yeah. And steward them in the proper way that they continue to thrive and bring value

to the next generation and so on, and the people around them. My little boy who is about to be three in August, his name's Cristiano, the oldest one. His name's Cristiano. After his mom, not after the soccer player, I gotta preface that, because people always like,

oh, you named him after Cristiano. Well, I was about to say, dude, you were a Division I soccer player, bro. I was just like, in my mind, I know Emilio was thinking, he was probably like, bro. He is my favorite player Amelia so yeah I killed two birds with a stone with one stone I'm really I'm really good at that yeah so my wife's name is Kristen

yep Cristiano is my favorite player I was like okay I get to name I get if they're boys I get to name him with their girls you get to name them right and so I was like well let's do Cristiano we'll just spell it the way you like your name instead and so we spell it KRY because that's how my wife spells her name and we call him Tion so he's got tons of different nicknames Tion, T whatever but he is he's awesome and here's the part of what protect your legacy means to me he looked at me the other day and he says, mama dada, I can't wait to be,

he's like, he was just thinking, I can't wait to be an abuelo and a poppy. And I'm just like, dude, you're not even three, what are you talking about? Abuelo and a poppy. But it's the cutest thing ever because that to me is what Protect Your Legacy means, is that we are in a space mentally, financially,

emotionally that we can pass on the values that are going to make both Tion and Kai amazing men of God that can then find amazing women of God that can change future families for generations. The ripple effect. The ripple effect. You know, so there's so much more that goes into it, you know, but in essence, it's as simple as that, is that it's so much more than just a slogan.

It's not, it's so much more than just a brand it and it's so it's so much more than just what it means to me because the reason that I came up with this name specifically was because when when you say when you see it when you read it I don't want you to ask me what it means to me I want it you have to ask yourself what it means to you what does it mean to you like what does protect your legacy mean to you yeah like I'm curious no no no yeah I was about to say it's very similar and very similar to when I whenever I speak at events or webinars, I always ask people what's

their why? Yeah, that's exactly what it is. It's just like, what are you planning to do to protect your why? That's that's the way I see it, man, because my wife is my legacy. You know, I always say this, and everybody knows this, is that I am the bloodline breaker for my family. I was the first one to break generational wealth to an immigrant family. My mom coming from Peru, man, working hard. My dad, Mexicano, working hard, dude.

And that's all they knew, working hard. But the thing is, they didn't know how to leverage They didn't know the system. Yeah, right. Just imagine if they were to start infinity banking back in the day, dude It's just a beginning change. That's it. Yeah. Yeah, but but the thing is is like we're here now and it's all good because hey I I'll steer the ship. Yeah, I'm a dad. Don't worry about it. I got us right and that's what it's about, dude So I'll protect protect your legacy to me, man. It's more about building your generational wealth. What type of legacy you wanna leave for your family.

So when you have grandkids and your kids have kids, right? They're gonna be like, well, Grandpa Sergio, you know, he was the first one. He was the first one. And that's why we got this Yeah, and we got this in that and you know, and that's just what it is. And dude, I'm great I'm actually embracing getting older bro like I'm look I'm actually looking forward to it now that I'm like married and I'm Looking forward to having a son and you know, I do you guys are gonna have such a special dynamic as you step into

familyhood and fatherhood dude because you've done you've done something that most people never do before kids like you've created like you've taken away one of the biggest stressors in your life. I think it's hurdles biggest hurdles you've conquered before the kids even like I'm so jack for your future kids, dude Because the values that I know you're gonna input into them. Oh, dude, let's go. Yeah, man. That's what it's about I mean, I you know, I tell my wife I was I always use the term uh Live life by design. Yeah, right and and and and to me, you know

We were talking about the american dream before and I always When I talk about my story dude, and you know How was able to build everything in the experience? I've gone through I always talk about the old American dream Yeah, and the new American. Yeah, right and and to me the new American dream is essentially not only protecting your legacy Yeah, but also going ahead and using what you know to educate your kids You know because let's be honest you learning now the online space It's dominating bro, and it's growing. It's cool. Yeah, and it's growing is growing and I can see it in the future, dude Everything's gonna be remote. Yeah, everything's gonna be remote

They might even you know with AI going on in the next five years. It might replace teachers. Yeah, dude They might replace teachers. That's just the way it's going dude and not to say that they are guys. I'm just being real Yeah, cuz I care there's a lot of stuff that's gonna get automated in and I said I tell people that the future belongs to the individuals that learn how to leverage AI yep and you got to be prepared you got you got to be prepared you know you got to learn these type of systems you know you got to know how to save your money not just make the money and then spend it but but no, actually invest it. You know, that's why I made the move to Puerto Rico, man, because the taxes, Hey, yes, I save on taxes. But at the end

of the day, I am going ahead and I'm building businesses in Puerto Rico to support the community. So I'm not just taking advantage. No, I'm embracing it. So with that being said, you know, yeah, dude, it's, it's great. And I told my wife, hey, babe, you know what? Because we had a conversation after we got married. We're coming up on our first year anniversary. And she goes, thanks, man. And she goes and says, babe, like, you know, we're in Miami and now we're in Puerto Rico. What's next?

And I was just like, possibly, man? You never know, you never know. We have quite a few friends that actually, they moved over there. So they go ahead and my wife says, what is gonna be our forever home? And I was just like, where do you want our forever home to be, babe?

She's like, well she's originally from Sacramento, California. So she's like, you know, we could go to Granite Bay, which is like the suburbs of Sacramento. And I was just like, yeah, we could do that. But to be honest, like, let me ask you something. Wouldn't you enjoy traveling the world and having our kids be able to enjoy the experience of being bilingual, being able to be cultured?

So by the time that they are actually teenagers, they're already set yeah they're set they speak five languages you know they know different because even if traveled the world they were able to speak about it right something that I have wasn't able to do until my my late 20s yeah right so that's where my mind is at man home is wherever you want it to be exactly whatever next lesson we want to teach our kids is gonna be where our forever home is that's just what it is I love it and it's

about the experiences right yeah it's about the experiences we take with us but it's about the why like I love the way you described this it was just like literally I might even make another design you inspire me otherwise just why yeah just the question why well protect your why yeah I love it so you think about it's just why like yeah's fine. I love it. So you think about it, it's just why. Like, is it? Because you think about it, simplicity is all about like, hey, how can you make things

even more simpler? So it's like when you, as I was listening to you, I'm like, okay, what is protect your legacy? What's your why? Why? Love you. 100%. And once people figure that out, if you ask that question to anyone, dude, and they're

able to answer it right away, you already know they're top performer. Yeah, they're top performer. They're proactive They know exactly what they want in life and they're a decision maker. Yeah success loves speed man You have to act with speed, you know one thing that I really love about your story Is that you had three opportunities to get into the infinity banking? You took the third opportunity. But you recognize that. Most people don't, they don't take that accountability to be like, hey dude, you know what? I should have taken it a long time ago.

Right? I should have taken it a long time ago. I don't beat myself up over it, but I do look understanding the concept at the level that I understand it now. Exactly. I'm like, whoa, I missed out on compounding for 14 years of compounding.

Do you know what that could have done? Yeah. Woo and so it goes in yeah it's cool you're never I don't live in the past because that's not how I make my decisions but thinking back to it it's like oh man I hope that's my biggest prayer. I hope people don't miss their opportunity of learning and getting educated about the concept now. No absolutely brother.

So let's educate the audience. Okay, so whether guys you guys are listening on Spotify, Apple or on YouTube or any of the other podcasting channels, Sergio is gonna go ahead and tell you exactly how you guys can learn about Infinity Banking so you guys can possibly set up a policy. So where can they go ahead and learn about more about Infinity Bank banking brother?

Yeah. So one of the best places to obviously go to learn about infinite banking, infinity banking, there's a lot of different terms for it, right? But specifically what we've been talking about is directly to me. Obviously, I am a, what I call a coach, an infinite banking coach. So you can come to Sergio or my Instagram which is Sergio Eliza but the handle is SergioPro11 and then my actual business part of it that's my personal one the business one of that is ProTech.Your.Legacy so ProTech.Your.Legacy and that's the Instagram handle for that part but

we'll have a website as well that we can link as well that's going to be more of like my wife's my story our journey into it because my wife's my business partner yes this is something we're doing together how I just mean yeah it's not just me that she's got her version of all this and what protect your legacy is about it's not just it's not just about the flow of money it's not just about a deaf benefit it's about protecting your mind it's about protecting your health and that's what she specializes in so we might even direct people towards our website once we have it completed and everything knocked out So dude, I love that all aspects of life. Yeah, it's all aspects

I always tell people you know to me at this stage of the game success isn't just about being savvy with your finances Yeah, it's about your mental health. It's about your mindset, it's about how the way you think, your core values. And that's why I think me and you get along so well, dude. It's just like our core values just align so well. 100%, it's funny, so I've been wanting to do 75 hard for the past couple of years. It's a lot more difficult, I'm not gonna hate, some people might be able to do it,

it's a lot more difficult with newborns and kids to commit to a schedule like that. I believe it. So I know you're on a fitness journey right now. Yeah, dude. Me and my wife just started 75 hard. Good stuff. Today's day four for me.

I haven't done my workouts yet, so as soon as I get down here. Gotta crank them out. I'm gonna crank them out, but yeah, man, so I'm excited about that. But yeah, so much more. Protect Your Legacy is a movement. It's not just about educating people and their finances.

It's 100% of movement about creating the overall best holistic lifestyle that you can create as a single, as a couple, as a family. And we wanna provide that platform for people. And then also, Protect Your Legacy is also on YouTube, correct? Yes, it is on YouTube. Yeah, we have our YouTube channel.

My wife is my first guest. I'd love to have you on potentially. I got you, I got you, bro. You can share your story and your journey. So yeah, we launched the YouTube just because once again, we've been in that, we're in the digital marketing space already. Yes.

I have a video production company and I battled for a long time between the idea of like, do I even wanna create my own personal brand? Yeah. Because it's a lot of work. It is. And it requires, yeah, it's a, it requires a lot of time on your phone, devices,

until you can then outsource it. Huge. And you know more than anybody what it- Especially when you're doing it by yourself, because it's time consuming. And so that's why we're just now pulling the trigger. We decided, I prayed about it, and I was like, we decided, you know what, it is.

In order for us to impact the people that we wanna impact, we have to create that. I can't just create that for other people, which is what I'm used to doing. I'm like, I need to create it for myself. Well, I think, you know, you have a powerful story, number one. Number two, you got it, dude.

Like, I tell people this, because people, a lot of people in the online space come to me for consulting. I've been able to do decently well in the past time that I've been in the online space but I work with dozens and dozens of creators consultants you know influencers all those guys in the online space but one thing I would tell you is your story is everything yeah your story is everything personal brand is everything yeah what they call in marketing an attractive

character yeah it's you and the wife being the face. Because people are buying into you. People are going ahead and going to listen to you and the wife and your story. And that's what makes it powerful. And my wife is better looking. So, you are definitely going to get the picture. It's so funny because I showed you guys this profile, you and your wives. They're like, dang, they're really attractive. I'm like, yeah, they are. I showed them I showed you guys this profile you and your wife's money to do like dang. They're really attractive I'm like yeah, they are But yeah, my wife's more attractive than I am so that's a good thing. No, that's that's great man. That's great

No, I love to hear that and and thank you, bro Yeah, my wife when she listens to the cuz she listens to all the podcast shows always ask me the guy So she's gonna ask me about that guy. Don't be like dude. You gotta listen to this podcast. You're gonna love it She's gonna blush when she listens, watch. I'll tell you, dude. I gotta share this story real quick, if you don't mind. Yeah, go ahead, go ahead. I'm walking down the plan aisle.

The plan aisle. And this lady looks up at me and reads my shirt. I had like a sweater on with my bigger logo. And she reads it and she mumbles it to herself, protect your legacy. And then she kind of mumbles it to herself. And then as I walked by, she says this out loud so I can hear it.

Yes sir, you do that. I love that. I text my wife, I'm like, bang, you better get out. Next time you gotta come with me before I get snatched up. That's it, that's it. One of these ladies is about to get me. So I love that. It was hilarious because she's like, yes, sir. You do that. I love that. Anyways, I thought that was hilarious. So Sergio, every guest that comes in the podcast, okay, this is the level of pockets. We help

everybody entrepreneurs, first responders, people at FAY faith to level up their mindset but also self-help is huge huge if you guys read my book from blue to digital goal that's all I talked about this right there hey that's quick promotion I got a sign guys quick promotion after guys but with that being said okay some words of motivation man I I mean, I mean dude You're you're you're you're a man of faith. Yeah, so I know you you you can preach. Yeah There you go. You got the audience man, dude words of motivation guys. I just like I encourage you to Find a quiet place whether you are

people of faith find a quiet place whether you are people of faith. Find a quiet place that you can ask questions, deep questions that will get you thinking about your future, about what you truly want to create. And more importantly, I encourage you to find people that have holistically the quality of life that you want to emulate. I always tell people this, look, nobody's self-made. Holistically, the quality of life that you want to emulate.

I always tell people this, look, nobody's self-made. Everybody that you ever come across has learned something that they're currently doing from a previous generation. So the quality of our life is not simply determined by the quality of questions we ask, but it's determined by the quality of people that we choose to emulate.

So it's really important to choose wisely who you want to emulate. I'm going to be very transparent, but I want to emulate you like what I've been seeing and what I see you've created. Like I want to emulate that. I appreciate that. And I admire that. So find people that you want to emulate, do whatever it is you got to do to get around them and add a value to them as well so that you can become a version of them but in your

own space. And I say that to people all the time but the biggest thing, the biggest thing that I can say is you gotta, in this entrepreneurial journey, in this life journey, you've got to learn to develop emotional stability. Oh yeah. develop emotional stability. Oh yeah. Without emotional stability, it's going to be a rocky and emotional roller coaster. It's not a fun journey. It's not fun doing it alone.

And it's definitely not fun doing it when your mind is not under control. And so I'll leave you guys with this. One of my absolute favorite books, whether you're a person of faith or not, is by Napoleon Hill, Outwitting the devil. Oh yeah. We are living in a generation where I believe if you can't control your mind it's going to be controlled for you. Yes. If you can't control your mind it's going to be controlled for you.

That is so powerful especially with social media. Good or bad. Choose your side guys. If you don't choose control yourself, it will be controlled for you. We are living, like I said earlier, we are living in a generation of paralyzation. Whether people know it or not. Absolutely. And guys, if you guys need to go ahead and follow Sergio, you guys want to contact him, you guys need to go ahead and follow Sergio, you guys want to contact him, you guys need to connect with him, network with him, okay? You want to learn more about the system that can actually pay you back instead of the banks. Pay yourself

back. Right? You know, make money work for you cash flow, right? So guys, if you're listening to this on Spotify, Apple, YouTube, wherever you got, leave a five-star review guys. Add a friend, tell a family member, okay? At the end of the day, your network is truly your net worth. We'll catch you on the next one. Leave a five-star review on Spotify, Apple Podcasts, and wherever you tune in. It really helps spreading the word, and don't forget to check out officialpaulalex.com for more episodes and resources to kickstart your journey. Let's level up together.