The Money Mondays - Cody Sperber & Rene Rodriguez TRANSFORMED The Real Estate Game | E38

Episode Date: October 9, 2023

In this special episode, we have guests Clever Investor Cody Sperber and Rene Rodriguez, two experts in real estate and wealth building, share valuable insights and financial strategies for making more money. Join us as we explore their journey to success and uncover the financial secrets they've used to thrive in the real estate industry. Like this episode? Watch more like it 👇 Steve Weatherford & Brad Castleberry Get Real About MONEY 💰: https://youtu.be/cpvK73_FNY8 Dave Meltzer & Ryan Pineda Share Investing Strategies You Need 📈: https://youtu.be/Sq__cgCkLAc Jay's Prehistoric Pets & Tim Kennedy on Making Millions 💰: https://youtu.be/4cbVxvBjhfw Subscribe: https://www.youtube.com/@themoneymondays?sub_confirmation=1 Cody Sperber is the founder and CEO of Clever Investor, a leading real estate investment education company. Through Clever Investor, he has mentored and trained countless individuals, empowering them to achieve financial freedom through real estate. His teaching style is marked by its practicality, emphasizing actionable strategies that anyone can implement. Beyond his business endeavors, Cody is a motivational speaker and author, sharing his insights and experiences with audiences worldwide. His passion for real estate and dedication to helping others achieve financial success have earned him recognition and respect in the industry. Cody Sperber continues to inspire and guide aspiring real estate investors on their journey to prosperity. -- Rene Rodriguez is a multifaceted entrepreneur and motivational speaker recognized for his transformative impact in the personal development and leadership arena. Born with an innate drive for success, Rene's journey began in humble circumstances, and he leveraged his early life challenges as a catalyst for personal growth. As the founder of multiple successful companies, including Volentum and BetterLoanOfficers.com, Rene has demonstrated his prowess as an entrepreneur. His passion for empowering others to overcome obstacles and achieve their goals has earned him a reputation as a dynamic and inspirational speaker. Watch ALL Full Episodes Here: https://www.youtube.com/playlist?list=PLs0D-M5aH-0IOUKtQPKts-VZfO55mfH6k --- The Money Mondays is a business podcast here to teach you how to make money, invest money, and donate money by showcasing some of the world's most successful people and how they do the same. Hosted by serial entrepreneur Dan Fleyshman, the youngest founder of a publicly traded company in history, this money podcast gives you an exclusive behind the scenes look at how the wealthiest celebrities, entrepreneurs, athletes and influencers make, invest and donate money. If you want to learn more business and investing while you work to improve your financial life, you're in the right place! Subscribe: https://www.youtube.com/@themoneymondays?sub_confirmation=1 Dan Fleyshman, The Money Mondays Learn more here: https://themoneymondays.com Watch all the podcast episodes: https://youtube.com/playlist?list=PLs0D-M5aH-0IOUKtQPKts-VZfO55mfH6k Let’s Connect... Website: https://themoneymondays.com Podcast: https://podcasts.apple.com/us/podcast/the-money-mondays/id1663564091 Twitter: https://twitter.com/themoneymondays LinkedIn: https://www.linkedin.com/company/the-money-mondays/about/ TikTok: https://tiktok.com/@themoneymondays FB: https://www.facebook.com/The-Money-Mondays-110233585203220/

I just want to let me have another film. Why not? We don't have enough real estate yet. We are by the ranch across the street. And across the street. I can get behind that. We can raise the money for that. Yes, there we go. I love that. I can get behind that. It's in the complex. Yeah, it could be the green elephant developing a compound. Oh, sorry, it's the ranch across the street. Ladies and gentlemen, welcome to the Money Monday. This is going to be a really easy episode.

I have one of my dearest friends here, more like a brother to me, on the stage with us and Money Mondays, here with in between the real Tarzan. This guy gets over 200 million views on Instagram. We're going to have to start changing that number soon. I really am. I'm going to do some research. What was the month of August? Let's figure that out, because I think your numbers are much higher, because I saw a video get like 92 million views last week.

So we're gonna have to adjust that number soon. Okay, so Tarzan's here, and obviously, as you guys know, we talk about three topics. How do you make money? How do you invest money? How do you give it away to charity? Our episodes are between 30 and 40 minutes because the average workout, 45 minutes,

and the average commute is 45 minutes. So we try to stay 30 to 40 minutes to make it easy for you guys. And that's why we've been able to stay number one for five months in a row. Thanks to you guys Make sure to keep sharing liking and commenting on the money money's podcasts and Especially for today's you are going to share it because we're gonna have a lot of micro content because we have someone that is the king of Social media emails content his clips have been viral before people could spell viral because he's been doing this for a decade making really amazing content Please give a warm round of applause to the clever investor. Hmm. Thanks for having me on guys Damn 92 million views on a single

Are you getting bit by a snake again? What what are you doing? We got a little bit of a crazy formula going on, you know between Instagram TikTok. I can't not watch your content By the way, you want to look away, but you can't. Oh yeah, every single time I'm like, he's definitely going to give it. Yeah, yeah. Yeah, that's the key. All right, so legally his name's Cody Spurber.

I only call him Clevver Investor because out of love, you got to call your friends by their nicknames. I've never called him Michael before. I don't know if that's actually his name. The real Tarzan is the real Tarzan to me. I'd say that a TSA. Like this is Clevver Investor. Ha ha ha ha. So I real Tarzan to me. I'd say that a TSA, like this is cover of the story. So.

I think you accidentally called me Cody one time. Yeah, the whole time. I know. Yeah, he's never called me Cody. I must have had too much trouble or something. Cody. All right, so the way it works is we do two minute bios so we can get straight to the money.

Tell us. Okay, cool. Two minutes. Yeah, out of Phoenix, Arizona, I've been investing in real estate for 20 plus years. I did pretty much every type of real estate under this sign. Started off wholesaling and then worked into rehabbing and then owning rentals and create a finance. And now we're building.

We've been developers for the last six years, building from the ground up. Lots of luxury Development in Scottsdale Phoenix that kind area and now we're really focused for the last three years on commercial development own a lot of multi-family air being bees that kind of thing and Yeah, two beautiful kids What else you need to know about me man? I love to make money I love to multiply my money and I love to give it away So I feel like I was made for your podcast. How do you have millions and millions of followers

before anybody else? I just marketing, marketing, I was a good marketer, and I understood very early on the power of certain platforms and how to gamify the platforms and kind of crack the code on it. So I saw, I got lucky. I was watching on Instagram very early on. It's like 20, maybe 13 or something like that. Like very early on.

I met a guy named Jason Stone. He goes by million or mentor. Are you here in three hours? Yeah, he'll be here. And anyways, he had like 150,000 followers. And I thought, how in the hell does somebody have 150,000? I've never heard of you.

Like you're not a celebrity. And I realized that they gamified the platform and they were all sharing each other's content and there was like a round robin going on and like they called it shout for shout, but you had to be part of the click and so I was like, how do I get into the click? And so I fought my way in and they went and let me in.

So then I just bought my way in because I have a lot of real estate money. So I'm like, I'm just gonna buy my way in. And so I started developing content that I felt would do good on other people's pages that would pull viewers off of their page and onto mine. So phase one, as always, get your own house in order. I had to, when they landed on my page, it had to look good and it had to have enjoyable content that they would engage with. So that's always step one. And then step two was creating a really

good piece of content that I can hand to other people and pay them to post on their pages and then they would Post it and all their followers would come over and check me out and then I would razzle dazzle them with lifestyle and Entrepreneur tips and all that other stuff and Is there are I and that is there worth spending money to get more followers if you so here's the full circle I also own an education company called Clever Investor and so the full circle is as a marketer, I was creating lead magnets and I'm really good at email marketing, I'm really good at selling courses and conversions on video.

It's probably one of my core competencies. And so they would come over, check out my stuff, and like I would never really promote anything. I would just add value, add value, add value and then do like a really aggressive promotion. And I would put by promotion, I mean like give stuff away for free. Pull them off the social platform into my world. And it was always attached. The free gift was always attached to a free online class. That class sold something which fulfilled the loop and so I gave away From probably maybe like around 20 the year 2015. I probably gave away 65-70,000 ebooks and I was making about three and a half four million dollars a year from the class that was attached to that ebook Mm-hmm. Interesting. Yeah, it was a great model and it still works today It's a little bit harder a little bit more expensive than it was back then because it obviously

Instagram changes how good are them, but Same thing I see people doing it today and as long as you have a good monetization strategy on the back and you could do it So I've been your offices looks like slash film studio podcast studio slash Boiler rooms not a boiler room in a bad way, but like sales calls slash real estate slash I see pictures all over the houses you're flipping and remodeling and there's like 18 flips at the same time. How do you manage all this stuff? Partnerships. Partnerships.

I am definitely not the guy you want out trying to like do construction. You know, that's not my core competency. I find really talented people and I enroll them and get an alignment with their vision with my vision. And that's really what our job is as an entrepreneur is to really just be really clear. Like this is where we're going. This is what we do. This is how we do it. Plus having a brand really helps because people see all this guys really out there. He could drive a lot of traffic. And it's like, hey, if you want to do this, let's just take houses, for instance. I was able to enroll my two best friends

who are very talented in their own right and I said, listen, if the three of us get together, we can do this really great business. I'll drive tons of traffic to, I'll raise a lot of capital, we'll do whatever we need to do. You go to real estate school, you go to construction school, and we'll form this amazing partnership. And it's just by having so much clarity and certainty in my vision that I was able to enroll there Their big visions of their lives and get an alignment with mine So You also have the clever summit

I mean you've had this for years you've done 1500 person 1800 person 2000 person large Why throw these large format events? Why should people go to events like the clever summit? Yeah impact impact I it's a spectacle and in the real estate space there Yeah, impact. Impact. It's a spectacle. And the real estate space, it's so freaking boring. There's a bunch of boring ass adults talking about boring topics that aren't really exciting. And then they come to our events. And we got fire, and we got dancers, and we got, we run out clubs, and we make it an experience for them.

So by the time they leave, they form new partnerships, they really connected to the content because we gamified the content, made it really fun, very interactive, brought in all these celebrities, all this. We brought this show, and honestly, Dan, I learned a lot of this from you. Being around you for as long as I have, I've never seen you do anything that's not as spectacle. Everything is bigger than life. The PR and the branding that comes from just being in one of your parties is worth more than the cost of the party.

And once I understood that, I was like, oh, this is a no-brainer. And so our last summit decided to go big. Oh, by the way, one other thing. I serve really hard to all of my friends. Because when it's time to throw the big boy event, I can ask for the favors back and say, man, we come speak, we promote, we do whatever.

So I could not have thrown a big event without the help of all my friends. That's part one. Part two is once we had 3,000 people in the audience, 7,000 people watching, and because we had a good monetization strategy, we made almost $9 million from that one event. So these big events do pay off in a major way,

and guess what, we didn't have a single refund because what was on the backside of what did we sell? We sold Avengers and everybody came to our mastermind and they loved the masterminds because we took that experience model and we applied it towards our masterminds. So it was like all in alignment, they just kept getting. Why should it towards our masterminds. So it was like all in alignment. They just kept getting it.

Why should people go to masterminds or get mentors or get coaches? Yeah, I think first off, that's where people that are focused on success go, right? Like I can't always talk to my friends and my family about the things that I'm doing in business. But if everybody cuts, yeah, if everybody cuts the check to be in that room, we're all there for a reason. We're serious about being there.

This is why I like expensive masterminds. It's awkward to talk about money in taxes. I know. If you cut a hundred thousand dollar check to be in that room, and I cut a hundred thousand dollar check to be in that room, we're both there to really take this serious. And we're going to get an ROI because we know the game, right? And I've never, I have never done something like that, not at least 10x. I've got to return on my investment by 10. Never. I form new partnerships. I get, I raise tons of capital, lots of lead flow and just everything good

comes from putting yourself in that room and trust me it is scary to do it. My first one every day was 10 grand then I worked up to 30 grand then 100 grand and it's every time it was scary it never was comfortable but it always pays off. So you have green elephant development which you buy and sell in flip houses luxury houses luxury airbnb's etc. walk us through a mass in area let's say tarzans like you know? Here's a quarter million dollars or a hundred K or five or a K. Let's just pick a number. A quarter million dollars. I want to invest in green elephant development. Walk us through what does a real life deal look like? Yeah. So there's a way to invest in debt and there's a way to invest in equity. Obviously, equity is a little bit more risky, right? And the

good news with us is we've lost money on two deals ever but our partners never lost a dollar. We always take the brunt of... Two deals that are how many deals? About hundreds and hundreds. Yeah, yeah, we've lost. And that's only because the market really shifted very hard last June and we were, we overrehabed the property and in order to sell it and get out of it, we lost like 40k. It wasn't a ton of money, but our partners never lost a dollar.

The three partners that owned the business, we took the loss. But, so, so, do you want to send in hands money? I would ask them, what is your goal? Are you just looking for some cash flow or are you looking to like really play with this money? Because if he just wants to be like a safe steady,

eddy type of return, I could say, look, you give me your money and it's a simple opportunity. If you give me your money for one year, I'll give you 10% on your money. You give me it for two years, I'll give you 11% on your money. You give it to me for three years, I'll give you 12% on your money. It's a debt play. Right, per year. So if you give you 250 grand, you'll pay him 12% a year for three years.

Simple interest, yes, 12%. Yes, so it's just, he's not taking on any risk. It's basically he is my private lender, right? Now if he says, I want to put a quarter million in, but I want to do a project with you. I want to take the risk. I'll say, okay, maybe I give him 30% of the 33% of the returns of whatever that project makes, but I don't make him any payments during the entire project. We'll go buy a house for 800.

We'll buy a house for 850 grand. I'll tear it down. I'll use his money to get into a hard money construction loan. We'll then build a brand new property from the ground up. It'll take us between 12 and 14, maybe 16 months at the worst case scenario. These are $2.5 to $3.5 million spec homes. Very nice homes for Arizona.

A lot of times we pre-sale them. So we de-risk as we get far enough long in the construction process. And he'll get 33% of, on average, we make between 300 to 450K a house. So that's on average. And I have at sometimes 30. If he has a 30, that's like 100 grand. Yeah, so he would give us 250 grand, we give him maybe 350 back, something like that that So he earn a really great return. Yeah He'd earn a great return, but it you know, I might like if he was one of the two I would call him up and say dude you didn't make a single dollar for your investment

You didn't lose any money. I lost 40 grand, but I'm giving you 250 back sure and you gave it to me for 14 months So there is risk But we're pretty good at what we do. So it's calculated risk. Yeah. And then most people, when they make that, they just run it back, right? They just say, hey, do it again.

They don't really want to get money back for the most part. Yeah, I've never really, we've had, especially now that the market's changed. We've had some private lenders pull things back just because of their personal world change. The toughest one is we had somebody call a million dollars back. And we had 91 days had somebody call a million dollars back. And we had 91 days to get them their million bucks,

which was our agreement with. And we did it, we did it, it sucked, man, it really sucked. Because we closed a couple deals, and we were all excited because you work for a year, year and a half to build these houses, and you're all excited to get paid at the end. And then some lender goes, I want my money back. And you're like, okay, there goes all our profit.

We'll have to wait another like two months to get paid at the end and then some lender goes, I want my money back and you're like, okay, there goes all our profit. We'll have to wait another like two months to get paid, but whatever. Okay. So, Clevver Summit is one side of your life. You have these live events once a year, then obviously you have your micro events and masterminds at your place and you have conferences and pop-ups and you speak at a zilling events also, etc. How do you decide when you get asked to speak so many places who you're going to speak for and how do you decide if you're going to charge 25k, 50k, etc. for speaking? How do you make those decisions? I almost only predominantly speak at this point with friends, with friends and for free. I don't charge for speaking. I've been offered 50k, 75k to do different things. I'm really protective of my time, especially last year I went through a divorce.

My mom died. I'm really focused on being the greatest dad. I can be at this moment. And so anything that takes away time from me spending time with my kids, and my calendar's already pretty booked. I actually am just, I just have my assistant order,

Jesse Itzler's big, huge calendar thing because I want a visual of my time, but I love how he does that, where he maps out all his vacation time first, and then fills in the work stuff. That's kind of where my mindset is at now, at this point in my life. So the short answer is, you gotta be my homie.

Yeah, if we're serving each other like that, then I'll stop everything to come speak for you for sure and I'll promote hard for your event Why should people be considering investing into real estate? Real estate is future proof Think about it like Uber Disrupted the taxi cab industry But even Uber's drivers are gonna get disrupted by driverless cars It's not future proof, but real estate everybody's always gonna need a place to live But even Uber's drivers are going to get disrupted by driverless cars.

It's not future proof, but real estate, everybody's always going to need a place to live. Plus, it's one of the best vehicles to ever be in if you're trying to break free the rat race because there's tax benefits, there's cash flow benefits, there's future appreciation benefits, there's all these things that make it and because the demand is always going to be there, even if people have flying cars, they're going to park it in a garage. So it's really important for people to take the time to educate themselves and increase their skills and capabilities when it comes to real estate. This is why hedge funds are buying up one-third of every house in America, one-fourth of every house in America. What do they know that you don't? Because they're focused on it, but you're not like think about it. And they understand as inflation goes up, we're about to get schooled

real fast. As inflation goes up, good cheap data roads. So these hedge funds, they borrow all this money. They take their money and they put it into some bank and then they buy the banker normally buys a bunch of stock with it. And then they take a loan against their stock and then they go and buy real estate and they're borrowing at one or two percent, right? And so, but inflation's at six, seven, eight percent. So two percent, they bought the house with two percent money, but they pay it back with six, seven percent, eight percent money. So the money that they borrowed today is worth more than the money they pay back later. So over time, as they're making their payments, the dollars worth less and less. So what ends up happening is that 2% loan goes into negative

interest rate territory over a long period of time. It's really kind of hard to understand, because I was never good at math, but I understand money. And so the concept is they bought all this real estate, took the supply out of the market. They bought it with good cheap debt. Now the inflation goes up. It roads their debt into negative. It's they're being paid to own this real estate. And of course, at some point in the future, they're going to sell all this real estate and just make an absolute fortune. And so here we are, all these poor commoners, we're watching Wall Street, just totally rip all the middle class to pieces right now. And whoever controls the food and whoever controls the real estate controls vote.

And so they're smart and we're stupid. So I just study them and go, okay, if they're buying up all these houses on good cheap debt, we need to go do that. And here's the good news, is now, it's not too late. 55% of every home loan in America refinance between 2020 and 2023 into a 4.5% mortgage or less. Okay, or 4% mortgage or less. There, this is a gold rush right now. There's so many homes out there with good debt on them.

And we can go to them. Did you have pace more beyond here? Did he talk about creative finance? Oh, dude. So go listen to that episode. Paces the king at creative finance. I've been doing creative finance for 20 years now. We are buying houses where the sellers are literally leaving their loans in place. How fun is that business where you get to walk in, take over a house that heavily cash flows with the mortgage already in place. You don't have to go to a bank. you don't have to sign, use your credit, you don't have to sign a bunch of paperwork.

And there's sellers all across the country right now that are willing to do this. So that's what we're focused on at one of our companies is just calling up homeowner saying, well, you leave your mortgage in place. I'll pay top dollar for your house because it's not about price, it's about terms. So you see like guy like Tarzan. Hundreds of millions of views, getting paid by brand deals, getting you just got a new tequila deal, got energy drink deal coming out.

Obviously we have all of our wild jungle products. How do you convince someone as an influencer, whether it's Tarzan or someone that you don't know? So we want to shift their minds at the deploy capital into real estate. Because they're used to fast money, easy money, money coming in from internet. Yeah, I mean, well, I mean, I don't know how I would

convince somebody. I don't think you are going to convince anybody, I think. Or change their mindset. Yeah, I splice in zoos. Yeah, yeah, maybe if I buy something in alignment with what you're trying to do, I don't know. Like, why would you not want to do real estate? Why would you not want to invest your money?

I would love to do real estate. I just don't have the time to do real estate. Okay, but why, but your money, if you have money, you can put your money to work, right? So there's active and passive, right? Active real estate is like a guy like me. I'm in the trenches every single day. I'm house hustling, I'm building things,

I'm buying apartment buildings. Let take the apartment building that we just closed on. We bought $131 million apartment building in one of the best areas in Phoenix, Arizona. We were able to assume a 2.95% blended average interest rate loan, a group of us, my mentor, Vina Jetti, led the charge and a bunch of us piled in on that and we bought this apartment building. We're all just putting money towards it, right? And we can expect about a 1.85 multiple on our money, right? Plus a 6% prep.

And what that means is if you gave me 250,000, I'll use Put Your Money to Work, you'd get 6% on your money during the three to five year hold period while we went in, renovated all the units, and increased the value of the property. In three to five years from now, when we sell it, and we make a bunch of money, there's this big chunk of money that comes back, right?

And based on how much you invest, you'll get a huge return. Probably, so if you gave a hundred grand, you probably get somewhere right around. We're expecting about 185 grand to come back to you. So that's passive, right? You're not actively doing anything. You're just putting your money to work and you want to do it. So my pitch to you would be, don't buy single family. You're not actively doing anything. You're just putting your money to work and you want to do it. My pitch to you would be, don't buy single family, get into commercial or multi-family

because the tax benefits are better for you. You're already making too much earned income. We need to offset some of that earned income with some real estate investment income. I love that. Yeah. Why should people or companies or people in the real space do more charity? I mean why should everybody do more charity? It's our obligation. I just feel like, look, making money is great and it's a game and

it's fun and especially when you get around other successful people that are really good at it, you find all the different ways to do it. But there's a huge missing component of the joy in making that kind of money. And it's especially coming from nothing. It's your obligation to turn around and help the next person up. This is why I teach.

It's your obligation to turn around and go upstream and help the young kids right now. They're being bombarded from all these different directions by all these things. It's if you have the means, it's your obligation to go upstream and help young kids. It's our obligation to help animals, right? So my company, Green Oluphant Development, we build for-purpose businesses. All of our companies have a charitable component built into the business. So even though I'm wealthy and I invest, I give a lot to charity, my company is built into give to charity. And so ours is green-elf-envelopment.

We give a portion of every house proceed towards elephant conservation. So that's our, that's because I love elephants and I love animals and I wanted to be a marine biologist when I was young. So I was like, how do we build something in to help animals? One of our other companies helps kids. And we build bottle schools in third world countries, mainly Guatemala. We've raised millions of dollars to build these schools out of trash and the charity is called Huggett Forward.

My good friend Zach Bali runs the charity and I've been funding him. I actually bought him an RV to travel around the country so he can raise money And I pay his expenses so he doesn't have to use any of the money he raises To live off of so I'm the funder behind the scenes that funds his lifestyle so that way he can raise money And it all goes to kids and then with Chandler Compadres we raise about 1..3 million a year. It's all local. So I pick a local one, a kid one, and an animal one to get involved in our local one,

where the number one funder of the Boys and Girls Club, we give about a million, three a year to the Boys and Girls Club. And it's a men's group in my local area called the Chandler Compadres. We have a golf tournament and then a party that we throw once a year. And we raise this money and we donate it to kids.

You said something for purpose company. Can you walk us through? What does that mean? Yeah. So this is something that my good friend and one of my business partners, Cole Hatter, taught me about many years ago. And I just loved it because I was always the one that would make money. And then I at the end of the year, whenever I would donate as a person. And then he was like, dude, don't do that. Build it into the model of the business.

And since I heard it, I was like, this is brilliance, like Tom Shoes, right? By a pair of shoes, one gets donated. I love that. But then applying it towards real estate was kind of tough until I sat there and I was thinking about, what are we gonna name our company? And I wanted it to do,

because elephants are the coolest. You could probably school me all day long. I'm like, all the fun stuff about elephants, but I just, I look at them and I just, you want them to have an elephant? Why not? We don't have enough real estate yet. We got by the ranch across the street.

We're in the cross the street. I like where your head's at. Maybe I can get behind that. We can raise some money for that. Yes, there we go. I love that. I can get behind that. It's an accomplice.

Yeah, it could be the green elephant developing the compound. But we, uh, uh, oh, sorry, it could be the green elephant developing compound. But we uh, uh, oh, sorry, it's the ranch crash of street. Yeah, I'm calling right now. Maybe they'll have to ask your docs ready? Oh, well, maybe they'll take terms. See if they'll take terms. It would. Um, they want 10 million. Well, it's a question. They'll take terms. Yeah, they will. They want eight million. They one and 10 million a week ago All right, what's your goal? Are you not gonna say on this? No, if we're in the 8 million range I'll do it. Yeah, okay. I love that 175 acres. I saw it. I saw it when I was over there. The mountain's all the way to the freeway. It's unbelievable

Ranch that you guys have right now. We'll be at that on it. Keep going keep going keep going We put tree houses there in the LFSE Airbnb We'll be at that on it. Keep going, keep going, keep going. We put tree houses there in the elephant's ear. I like round like that. Airbnb. We need 3D renderings. Yes. We'll put like 3 Airbnb's around the lake there. OK.

I'm buying it. I'm buying it. Blue times. The one they have, the giraffe one, is sold out for like two years in advance at like three grand a night. Wouldn't you like three grand a night? I think, I think.

Are you guys just starting to speak my language here. I don't even know what the question was. It's not about elephants. Yeah, he's going to docu-send a minute. Okay. Last thing. Where do people find that we're going to have you on multiple times? Obviously, we're going to come back to the money. Where do people find the clever investor? How do they get into your world? What's going on with you like how do they find you?

Yeah, so I got a podcast called the clever investor show which I'm like number 97 and Foreign island somewhere to this show that somehow magically has been number one since the day Really unbelievable Yeah, and just you know Instagram at Investor, I'm pretty active on that. Answer my own DMs, try to help out as many people as I can, turn them on, I go live in the morning, just talk about financial literacy, and just different thoughts that I have.

YouTube channel, all the same shit everybody else has, but I'm trying, honestly, dude, you know what I wanna do? I wanna make so much money in the next 36 months that I shut down all my social and I disappear. So if in 36 months and one day I go off the airwaves, it's because I hit my financial targets and I am a ghost. Like I don't care about social, I don't want anything to do with anybody. Like I want to just go off into my world with my kids and my family and just disappear in your elephants. Yeah and some elephants. Oh dude that would be the best. I crossed the street. Okay yeah I'll be and in other words I'll be at the 10th. Hey Siri, cross the street sign. Okay. Alright guys you're watching the

Money Monday's make sure to visit the moneymundays.com. If you want to register with us we do our weekly coaching every Monday at four o'clock and we give you all that money way to charity for the world's our just toy drive 10 cities and 15 days. Don't ask us how, but we're gonna do it. You can watch us on social to break the Guinness Book of Records for the toy drive. We'll be doing that in Phoenix with the Clevver investor with his staff there. Have these discussions with your friends, family, and followers. We all group thinking it's rude to talk about money. We

think it's rude to not talk about money. That's why there's a lot of credit card debt in our country. Finance, people can't spell the FICO scores and IRS. They don't know how to spell these things because we don't have these discussions in school or with our friends because it's rude to do that. It is not rude. You need to have these discussions. Share the money, money, podcast, talk to your friends.

Follow the Clevver Investor and we'll see you guys next Monday. Ladies and gentlemen, welcome to a special edition of the Money Mondays. I am co-hosted here with the real Tarzan. Tarzan gets over 200 million views a month on social media, dealing with animal related content, charity content, cobras, snakes, giraffes, zebras, ants. It will take us to the whole podcast and talk about what animals he interacts with. But we have a very special guest today. We're here parked at the Muscle's house in his driveway in the RV Motorhome. We are going to talk to someone who is way too smart.

It's going to be a very interesting podcast today. I'm going to lay up some questions for him and just let him talk for the next half an hour. So you guys can learn from this guy. Make sure whatever you do no matter what I'm gonna put normally put out People's socials at the end. I want to make sure you learn from learn with Renee go on social media go to learn with Renee Follow him listen to Renee red-rigas No pressure, right? You better do it There's only a couple of million people listening. Yeah, all right Renee

So the way it works is we talk about three core topics, how to make money, how to invest money, how to give it away to charity. However, with you being here and you're so freaking smart that I want to ask you a couple of different questions, a little bit different topics in the same general genre. But first, if you could give us a quick two-minute bio so we can get straight to the money.

Sure. So my background's behavioral neuroscience. I played basketball in college for two years. I got cut Went to sell cookware door to door. So I got a chance Sort of my first feel for what it meant to be in a persuasive environment to get out there and actually go from being a janitor The previous year making 900 bucks a summer to making 9,000 that next summer if you selling cookware I'm thinking okay. This is this extra zero was really kind of cool

900 was I mean I kept that $900 all in ones too. So I was like, you know, smelling every once in a while. But, and so did that and realize that selling was something that nobody could cut me from that. If I sold something, I could be part of the team. And so, what does school for behavioral neuroscience, what to work for, change management, firm right out of college, it used brain research to help deal with massive scale, I could be part of the team. And so what does school for behavioral neuroscience went to work for change management firm

right out of college? It used brain research to help deal with massive scale. Culture change in hostile work environments. And just that whole journey brought me through working with leadership teams and change environments and led me to this world of influence, which to me is a convergence of all of its selling persuasion, leadership.

I mean, it's at the core of everybody. It's what we're all here for, trying to create more influence, not being an influencer, but the outcome of influence is really the core focus. So your book is sending in our table for people on YouTube they can see it. If you're listening on iTunes or Spotify, it's called Amplifier Influence.

Can you explain what the book's about? Tell us. Yeah, so I did a course, but probably about 17 years ago, somebody asked me, you know, where can you teach me? I'd be a better speaker. And I was like, well, I've never done that before, but I guess, and I worked with them. And I said, well, this is what I would do. This is the journey I went on. And I'd put people through sort of a rigorous journey. And a lot

of people will try to intellectualize the speaking process. And it's like trying to almost intellectualize how do you grab a snake? And I could read about it, you could teach me, you could write a pamphlet, but until you're actually there and see those nuances, there's nothing that real experience won't teach you, is that right? Right? And so speaking is kind of the same way. You have to learn speaking, influence body language persuasion, sequence of timing,

micro expression, you have to learn all of that stuff, actually doing it with an audience so that pressure has to match delivery. Same way you're getting ready for war, I took that approach to teaching people speaking, but the interesting part about this is that influence is typically an offensive strategy. Here's what I'm structuring in my mind to deliver to you to persuade you to do something, which is a big part of it. Here's what I'm structuring in my mind to deliver to you, to persuade you to do something, which is a big part of it. But a lot of what we're doing is, how do you prepare the person internally? Because influence and body language and that congruency that happens happens automatically when you already believe in something. For your passions, your passions, I wouldn't have to say, hey, I need you to act more

passionate. You just are because you're completely, congruently aligned. But when we get into a persuasive environment or like a guy hitting on a girl, they change up. And all of a sudden there's this hidden agenda and their body language doesn't match and they're awkward. And then the person that can just be themselves, what that means is they're congruent.

All of a sudden it's just perceived with much more trust. And so we start with influence on the inside. What's your story? Who are you? What do you believe? What's your ethos? And then we build upon that, create a massive amount of stress so that we can reveal their attributes, meaning like, who are they under stress? Yeah, and so stress is sort of this, this, this, this, almost like a crucible that kind

of reveals all of their quirks, and then we train them in that moment. So there's a lot of bio, biofeedback, and then, then we teach them sequence and timing and all that stuff, and then it all sort of comes together. Why do you think that public speaking is the number one fear even more than snakes? You know, I think that it's because public speaking is like looking in a mirror to a group of people that have been asked to judge you, right? And there are, and now there's different environments. One, you could make a fool of yourself, which is completely embarrassing. There's humiliation.

There's all sorts of deep things. But what if I don't do well? What if I'm fake? What if I'm a fraud? What if I'm just not good at this? If I bomb, then I'm going to bomb in front of people. And it's also a very tangible fear. I think people fear that death and snakes and things,

because it's very intangible, and so they can go into denial about it. But I guarantee you, if you gave somebody a kog that King Cobra you're talking about, or speaking in front of the room, they'll choose speaking because it's in front of them, but they can conceptualize humiliation much more than they can conceptualize of being bit my snake. Fascinating. Yeah. So as someone is considering getting into the speaking world, you speak non-stop all over the country like 100 times,

150 times, 200 times a year, it's insane. And you throw your own events that are sold out around the country. How do you want to decide when you're going to speak? Let's say someone's paying you 25 grand, 50 grand, et cetera, to speak at their events versus throwing your own events, working at home, traveling, like, there's so many moving parts.

How do you make decisions about when you're going to go speak through events, etc. Well, I used to think that the Bureau route was the way to do it. My whole, and this is actually great conversation of how you're making me shift, how I think about our business. As a speaker, you think, okay, the amount of speaking gigs a year is one of metrics, and then the speaker fees are metrics, so those are kind of the two things you're trying to get at, and you go after that, and you think bureaus are the way. And I don't know, I could never penetrate sort of the network of bureaus.

Like I had knew them. I'm on all the bureaus, but I've never really got any business. So we said, you know, and I watched a lot of my buddies that have that, and the moment that the market would shift, their business would drop. We started creating our own events, and we were like, okay, well, it's almost bureau proof, recession proof, in the sense of saying, well, it's almost bureau proof or session proof. In the sense of saying, okay, I've got this offering. I never wanted to do public events

because I didn't want to get into the event business. But then I found somebody who, Janny, who does this already and did it for a big company. And so she's like, I can handle that piece of it. And then my wife comes on board and she's a driver and she's like, well, let's just book out the year. I'm like, but we haven't sold any. She's an executor. Yeah. She's like, but we haven't sold any. She's an executor.

Yeah. She's like, I don't care. I'll get dates on the calendar. I'm like, but what if they don't show up? She goes, we'll make them show up. I'm like, and that's, that's not how I think. That's how I think she's like, okay, let's just book. And the, that's when everything shifted was.

You know that they will come. I never believed it. And all of a sudden we did, I did like four one year and I was like my big goal. The next year we did 34. Oh my God. Sold out. 34.

34, at 6,000 a person. Sold out. And the next year another 34 and I'm going, I'm like, we're rockin' and then I meet you and you're like, you're doing it wrong. I'm like, it does feel like I'm doing it wrong. It's like we're maxed out. Well, we maxed out the wrong model though, right? And so, I mean, I'm transparent about my journey

and how I learn about this stuff. That's what we like here. That's exactly what we do is we talk through the real details. Yeah, and so it's like, you know, you maximize, I think it's 239 days I spoke last year. What? It was either virtual or in person, most of which were in person. And we go, okay, so let's just keep riding, let's just keep pushing it, you know, the book really, you know, something we wanted to keep pushing. And then we go, okay, that's not the actual goal, because now, I'm speaking nonstop. And everything is going like this, but I'm also never home.

And so, yeah, the money was good, but then the balance wasn't there, and so my wife and I said, okay, there's got to be a better way. Right. Okay. So, when you see someone, and it's time to reframe them, right? How do you have that blunt discussion with someone that has an ego, is a boss, is a CEO, etc. an athlete.

How do you reframe someone that thinks they know everything? So there's a few things. One, you have to be asked to do it. Like you can't come to them and be like, hey, this is what I think about you. Why? Because they'll be defensive or? Yeah, they'll be immediately defensive. I mean, one, they've earned that boss mentality of that influence for a reason.

Right? They've earned it. So one, you know, I'll tell people they go, well, we're nazing the room on the little nerve. So I'm like, trust me, I'm not judging you at all. I'm not on the clock. You haven't asked me. I think you guess where on the podcast? No.

No. Okay, good. So I can use the word jerk, right? It kind of makes you a jerk, you know, if you just started saying, you can here's feedback you didn't ask for. I'm not that guy. But you get somebody who is really good at what they do. There's usually an agreement up front.

I said, look, it goes, you're asking me for your help. I said, do you really want it? Number one, I said, too. I'm going to tell you things that most people won't tell you. I said, but I'm coming from a place of, I already respect what you're doing. This is not about me making you better. Are you doing something wrong? This is about maybe there's another level to this for you. And everybody has that next level. So we try to reframe the idea of saying, okay, there's,

you know, because three of the speakers here, the event I'm working with, they're talking, because they're already pros. But it's what's that next level, right? And so at that point, sometimes it becomes a bouncing off or, you off or maybe if because I'm entrusted, I can say things that others maybe can't say to them. Yes. And you have to care enough to say those things. So I try to one, make it their idea, and two, make them want to be the one, sometimes if it's not their idea.

So what I mean by that is, we have four levels of masterminds, 10k, 15k, 30k, and 100k. Getting someone to pay $100,000 or invest $100,000 in themselves, I need to do fully bought in, it says it can't be fear-based because it's too much money for them to be like, okay I'll take a shot, no it's $100,000, it's not like a gamble or like throw it out. You don't just throw it out of credit card, that's not how it works, it's a big investment in themselves. So the way I explain it is, just throw it on a credit card. That's not how it works. It's a big investment themselves. So the way I explain it is, well,

you have to do at least $10 million in revenue. Do you think that the 22 other instructors and the 100 members in the room can help you save or make 1% if the answer is yes, and it's free? Yeah. And that's how I sell out every year since 2019, 100 people, 100 grand each.

Because I'm making it so simplistic to them that they can see it visually like, well, I did 18 million last year. If these saves me 1%. I'm in, right? And so from there, I then need them to be bought in that they shoved every event around the Zoom calls. They want to be coached. Same concept with one one coaching. I do 100k coaching, but 100k is all 100% donated to our toy drive, to the world's largest toy drive. It's 100% donation. That's a lot of freaking money.

Yeah. It's a big investment in themselves. It is a right after them, so it's a little bit different, but they have to be someone that can afford $100,000 typically is not usually getting a mentor or advice, even though they all should be. Yeah. And I'm really blunt about it. I would still listen to everyone. I sit front row at the events I speak at.

Listen in. Oh, there's Tim Grover, there's Andy Fercilla, there's Ed Mylett, you think I'm leaving? Yeah, right. These are guys that are doing 400 million and 700 Brazilian and training Michael Jordan and Kobe Bryant. I'm sitting front row listening.

Absolutely. No matter what, how big, famous, whatever I get, the course of my career, I'm sitting front row when I'm 82. Absolutely. No matter what how big famous whatever I get in my course of my career. I'm sitting front row and I'm 82. Yeah. I don't care if I'm got 19 billion dollars I'm sitting front row. Yeah. I want to listen and learn because what if I do have a billion dollars and I learn 1% the same pitch I'm doing to other people what if I do to myself. Yeah. And Tim Grover tells me something Renee Rodriguez tells me something. Tarzan teaching me something. I

want people that are listening to forever be a student. No matter how rich you are, how famous you are, how much you think you know it all, you always want to be learning. Because if you are that thing that you think you are, which is probably not, but if you are, God bless you. You need it the most.

Yeah. You're doing 100 million? What if I can make you 3% from one little thing? I love that. And it's not a theory, it's true. If someone teaches you how to save 1% of your taxes, or you're a Renee teachers you had to like reframe this with your employees and not your employees sell a little bit more at each day. If you got 40 sales reps, they sell a little bit more each day, times 300 days a year,

holy smokes. Renee just made you an extra $0.00. From one little thing, you have how they just do their introduction on a sales call or how they frame their sales call. That one little thing. So no matter how rich you are, how big you are, how should always be one in to learn. Okay, so on the investing side, why should people invest into themselves? Why should they hire men or hire a coach, go to a mastermind, go spend $6,000 for your event? Like why should people invest in themselves?

You know, what's what's fascinating? or a higher coach, go to a mastermind, go spend $6,000 for your event. Like, why should people invest in themselves? You know, what's fascinating, and I love how you framed the, it's a 1% return. We're spending that $100,000 already. Right. We're spending it in other ways. Like, you can, you can miss spend a hundred grand in a business. For sure. On a Wednesday.

Oh, yeah. Just, just doing stupid stuff. And, but when you have a focused, intentional investment in that, now I was said, and you can hire a $100,000 employee, but there's one person, one skill set, those masterminds, you're paying $100,000, you get access to all of it and a network. And I mean, just even being here walking around, like what Charles is here is like, he's like, I'm in just to be around. And when you understand the knowledge of proximity or the value of proximity and the value of being able just to be next to somebody, Rubin elbows with somebody, the ideas and the

deal flow and just concept over hearing something that you can then implement. It's incredible. And the investment in yourself, and what's funny is it's become a cliche. And so when we say, we get to invest yourself and we all hear it so often, that we almost build a callus to that idea. But you have to think about, you're the one executing every single day. You're the one that has to get up.

You're the one that has to do all these things. Like I had to invest to myself very differently this last year in health-wise, to get myself physically there. So if I'm 239 days speaking, I better be high energy. I better be sleeping good I better watch my salt intake which actually had to increase it which is fascinating. I had to get rid of Bread and you know, so I didn't look like puffy on camera

I mean, there's like so many things that I have to think and that all cost money like all of it and it's an investment in me And then just one idea, one person, one proximity to be around someone else, it, you just have to do it, you have to do it. And why? Because everyone, and here's the thing I was gonna say about you, you said I'm a learner and I'm a student. But we said, well, when I get to his success, I'll do it.

No, no, no, he was a student first. Yes. And he, it's because that. I never stopped. Yeah, it was their first. Even when you weren't making money, you were in that front row. So, yeah, I think it's whatever you have to do, if you have to take out a student loan, do that. I mean, I think about it. Don't go to college, if you don't like college, that you think, then think about that $250,000 is a budget that you can go. If you want the debt, go take that debt and invest in stuff like this and watch that

Much that come back to you and droves. So this is a fascinating topic so Mass America and all over the world consider college the The normal thing to do you graduate high school you go to college you get married white pick offense and two kid 2.4 kids Right, that's the progress of the perfect life in the Ericenter. Yeah, you retire at 65 and you've got that's it. There's a lot of changes that have happened. One, people realize that having college debt for most industries doesn't make sense. Yeah. Doesn't make sense to do that for Dr. Lawyer, etc. Of course it does. For most people, they don't actually end up using what they go to

college for. So then it doesn't make sense to spend 30, 40, 50, 60 grand a year to go to college. The difference also is, and what we talk about on this podcast, you literally have to get rich because you're going to live a lot longer than your parents. Yes. So this is a rabbit hole that people don't go down. How living wolf. So here's the thing. We grew up, if you're between 30, 40, 50 years old, there wasn't a whole foods. There was whole foods. There wasn't a gym on every corner.

What's a gym? There might be a gym like 17 miles away and there's one of them. There wasn't a gym on every corner like there's now. What's vegan? You can't fully talk about veganism. Like, nobody had the things you were talking about. Nobody could do mental health. Nobody had like cryo. Nobody had cold plunges There was nobody talking about sonas and why you needed it. There was no

Nutrition programs and peptides and people doing there was no Gary Breckas telling us about analysis and deep breathing Breathwork what the hell's that? None of it existed even 10 years ago, let alone 20, 30 years ago when we were kids. So anybody that has children that's listening, your kids are gonna live a lot longer than you. But boy oh boy, their kids are gonna be a hundred, hundred, ten hundred and twenty hundred and thirty. And this is not like a theory or like down the rabbit hole, this is real-action. Reality. Because they're growing up healthier.

They're eating healthier. They're understanding about going to work out. They're understanding about their bodies and their minds, et cetera. Really early. When I was growing up and you were growing up, we were having slurpees at 7.11. And we put a quarter on the arcade game

and we didn't have slurpees all day long. And 64 ounce. The good old days. And we filled 64 ounces of soda. That's what I got next. Right. And we were going to jack in the box because that was the only meal we had, right? Because it was a dollar.

And so why I say that is, we have to have this blood discussion and you might hear my voice, you literally have to get richer. Yeah. Because what if you want to retire at 65 to 75? Well, we used to pass away at around 82 years old. We went at 84. So you only needed about 15 to 20 years, which means you just still had to have 50 to 100 K a year.

Let's just call it 100 K. Time's 15 years is $1.5 million. It's a lot of money. People don't have that saved up. Most people don't have a $1,200 saved up. Let alone $1.5 million. What if you lived to 102? And you want to retire in 65?

You need 37 years of money Not county inflation Not county medical expenses not counting anything bad happens to someone in your family If everything goes smooth for 37 years and you want a hundred K year If you only want 50 K year that means you need two to four million dollars saved up I don't know but you guys I don't have a lot of means you need two to four million dollars saved up. I don't know, but you guys, I don't have a lot of friends that have two to four million bucks saved up. I got a lot of rich friends and very few of them have two to four million bucks sitting

in cash anywhere. So we have to have these discussions that it is okay to talk about money and you should talk about money. We should talk about investing. You have to build up assets because you are not going to have two, three $234 million saved up from your job. That is not going to happen. You have to take money that's coming in from your job and invest it into things, whether it's real estate or S&P 500, etc. Things that you can just lock up money away so that when you do retire, you've got way more money saved up because otherwise you're going to be working when you're

83. Yeah. Okay. Third topic. So we talk about making money, a bit about investing money, investing to yourself, talking about the charity side of things. Why do you think that it's important for businesses or people to do more things with philanthropy and charity? Well, so I think that there's a whole spiritual faith side to these things.

I think that there's a humanity side to these things. I think that there's a greater good. I mean, you can make a philosophical argument for it. I think you can make a spiritual argument for it. I think you can just make a pragmatic argument for it. The world gets better, everything improves. And there are some of us have more access to things than others.

Like for me, I grew up being Cuban, money was not an okay conversation, we didn't talk about it for sure, right? Just wasn't it. In fact, I kind of looked up to people who thought they were cool and money and you know, just having this whole poverty mentality is what I had. And you know, and if I'm not careful, I still have it.

Like I don't like throwing old boxers away, you know, like my wife will just throw shit away. It's just stowed away. And whatever it is, a shirt, and I'm like, what, what I could use that? Well, we have this fridge, the drawers bracket. What's it got in there? No, this fridge, we can put in the garage.

All right. Well, somebody can, I mean, I still have all of this stuff. She doesn't have that. She's like, no, we're gonna get rid of it, make room for other new things in life. And so, but I think that, you know, you're looking at, for me, there are a lot of people that I don't talk about. This is probably the first, maybe the only time

I'll talk about this. I will scholarship two people sometimes through our amplify courses per course, right? So I reserve one to two spots where I'll take a student, I'll take somebody who is from another country, I'll take somebody from inner city. Single mom, yeah. Yeah, somebody, they'll come to me like,

nobody knows, single person knows. They'll come to me like, you know, one of these days I want to go through your course and I'll look at them and say, well, why are you waiting? Well, I can't afford 6,000. I said, where you from? I hear their story, what's going on? I said, why do you want to go?

And I said, well, what if it wasn't 6,000? I said, I said, here's the thing. The $6,000 is arbitrary to me. That represents an investment in you. And I represent a way of saying whoever's in that room is serious. And that's a number. I said, but the $6,000 to a lot of my clients doesn't mean anything. I had one guy that came in 11 times in one year.

Well, 11. I said, but I need you to choose a number. And my answer is already yes. And I want you to choose a number. I mean, what you can afford. And then I want you just to push yourself a little further not because I want the money but just a little further and I've had people come back and they go okay are you serious I'm like the answer is yes and I go I don't

want to fight you won't offend me this isn't about money this is about you getting your skin in the game I'm gonna have my skin in the game I need you to have your skin in the game and I learned a long time ago when you give somebody something free to free. Right. You know, you don't value me. You don't pay for. Yeah. So one person goes, all I have is 500 bucks. It's a great year in now cost me 1500 per person. What about? I said, you're in serious. I'm like, yeah, absolutely. Perfect. I flew a guy who's a the youngest inmate, ever in an inner- San Quentin present, present for murder. And I get a call from the president,

I see you at the Vikings at the time, and he said, Renee, I got somebody I want you to work with. And I'm like, well, tell me about it. I was like, well, he was in jail for murder, youngest inmate in San Quentin. I'm like, San Quentin, 15 years old. No way. Yeah, 15.

Yeah. And I'm like, I go, I want to meet this guy. He's the Ignacio Pizano. And it looks like the Mexican Mafia, this, the Loces and the tacks. It's better. How else is he gonna get through? Bench is like 600 pounds.

Yeah, better. I was at an event in San Francisco. He drives out to meet me and my disguise got a hard goal. Just as big as it could be. Spend the last 20, 30 years, 25 years getting kids off the streets of basketball. And I'm like, you got a story. I said, I'll, I flew them in, put them in a hotel,

put them in the whole piece. And his story, man, I can't even flew them in, put them in a hotel, put them through a whole piece. And it's story, man. I can't even talk about it without getting emotional, because of the change. It kids from other, because my point to all that is, if I have access to something, then it's my obligation to at least provide access to those who can't, in some way, shape or form.

And if I can at least provide that access, that will always, I mean, I can say there's a selfish component that always comes back to me from a karmic energy if you want to say that. But I also think that it's something that's my obligation to say, okay, it's not just about that, but there's something that feels inherently really good about doing that. And keeping it piped. Okay. So, someone that's out there listening and they want to and they know they need to have

a change. What is their first step of like learning whether it's watching your content, how do they start their learning process and then make that jump where they actually go to an event, hire you, go to one of the tour events, etc. Like what are the initial steps to say, I'm going to make a change today, what are the first things they can do? Read your book, what do they do? Well, I think one, if you identify that you need to make a change today. What are the first things they can do? Read your book. What do they do? Well, I think one, if you've identified that you need to make a change, that's the first step. And then two, you got to lose your ego.

You have to lose your ego. To be able to look in the mirror and say, am I a good person? Am I doing the best I can without ego? Is it really hard conversation? But I think it's one of the most beautiful because it's the essence of who you are. I was talking to my kid.

I said, you know, it's okay for me to tell you,'s the essence of who you are. I was talking to my kid, I said, you know, it's okay for me to tell you, you're not okay right now. You could be way better. And I'm not saying that I don't love you, not saying that you're not a great person. I said, but if you have all of this in front of you, and we say, ah, you're fine.

I'm doing you a disservice. I said, let's learn to have this real conversation around improvement and that there's more to this. But it's got to come from a place of love. So one, can you look at yourself in the mirror and say, I need help. And can you do that without ego? At the moment, you lose your ego. You the world of mentors opens up. As I believe there, there, there are mentors everywhere, even from people

that you don't like, you can learn something from, but it's our ego that gets in the way of us learning. So you can lose the ego and go out there and ask and make that intention. Now the sun. You can say, am I willing to invest? And then I tell people, say, well, what book should I read? I said, well, what do you turn to learn? I mean, there's a main book out there.

What do you want to learn? What do you want to get better at? Find the best place that you can and invest as much as you can into that and start that process. For me, you can get my podcasts as free. Some people say that's my best content, so my podcast.

What's the podcast name? It's the Amplify podcast. And the book is chalked with information. It's 20 bucks, right? I've got online coaching. We do coaching for 99 bucks a month. And that, to me, to be able to say, ready, you should be charged with $2,000 a month.

It's 99. Right? It's 99. And then we got our Amplify course. We got our Ampcon event coming up on tour 26 and Dallas. It's 500 bucks. And so then we got our masterplify course. We got our AMPcon event coming up out of tour 26 and Dallas, 500 bucks. And so then we got our mastermind, which is 15. We got all sorts of ways for people

to be able to engage with the content, with the ideas, no matter what walk of life you're in. All right guys, so we're gonna have Renee multiple times a year, so we're gonna obviously have more deeper discussions about different aspects of what he's doing. He's probably has another book or two or three or four coming out.

I'm sure. So make sure to check him out at Learn With Renee and have these important discussions with your friends, family and followers. Yes, there's helicopters wearing an RV motor home. It's perfectly fine. There's a sound check going on where but to have a freaking 200 person party here, everything's fine guys. So make sure to go have this deep discussions with your friends, family and followers about money. Why? We all grew up thinking it's rude to talk about money and we your friends, family, and followers about money. Why? We all grew up thinking it's rude to talk about money, and we think it's rude to not talk about money. So go to themoneymoneyes.com, make sure to follow at Learn With Renee, the Real Tarsine,

and we'll see you guys next Monday.