The Money Mondays - Walter O'Brien & Brian Goldstein's Best Strategies for Success & Smart Investing 💡 E56

Episode Date: February 12, 2024

Walter O'Brien (aka "Scorpion") is the founder of https://scorpioncomputerservices.com, a global think tank for hire that provides “intelligence on demand” as a concierge service for “ANY funded need”. Walter was the Executive Producer of the hit CBS-TV drama "Scorpion" based on his life, the show airs in 188 countries to up to a billion viewers a week. Walter who was diagnosed as a high IQ child prodigy was certified by the U.S. Department of Homeland Security as being of National Interest to the US and granted him an Extraordinary Abilities Visa EB1-1. Walter has mitigated risk for 7 years on $1.9 trillion of investments and has invented and applied Artificial Intelligence engines to protect US warfighters in Afghanistan. --- Brian Goldstein, a resilient and compassionate entrepreneur, has defied all odds to establish himself as a thriving business magnate. Since the age of 17, Brian has been a driving force behind multiple successful ventures, starting with just five employees and expanding to an impressive team of over 300 dedicated professionals. Brian's innovative and strategic approach to business is truly awe-inspiring. Brian's journey to success was not without its challenges. He faced significant adversity throughout his formative years, having been placed in special education classes from 6th grade until his first year of college. Despite being bullied and ridiculed, Brian's unyielding spirit and determination pushed him to overcome these obstacles. --- Like this episode? Watch more like it 👇 Dean Graziosi + Joel Marion Share Their Secrets to Success: https://youtu.be/7gn0rNubXbg Cesar Millan & Jen Gottlieb on MONEY, MINDSET, BUSINESS: https://youtu.be/m7VJOApOWyA Damon West Went from Meth to Millionaire, Here's How: https://youtu.be/-dy4uIzuav4 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/

Got bored, hacked into NASA at 13, stole the Space Shuttle Blueprints, got busted by the NSA, did a deal where they don't extradite me if I help protect their networks. That started a relationship with the government. It's lasted 30 years. Was diagnosed with an IQ of 197, so on the fifth highest in history. treat. Ladies and gentlemen, welcome to a super duper special edition of the Money Mondays because it's very rare that we have anyone come back for a second time. But this guest is probably gonna come back for a third, fourth, or fifth time as many as times as we can convince him or we can find him or we can spare some time for us because this is a dear friend of mine.

Where do I start? Well, first of all, his TV show is kind of like an autobiography with the fun twist to it and some fun stories to it. Had over 24 million viewers to give you a good context. Most shows have less than one million viewers. Actually, well, most only have a couple hundred thousand, but most good shows have one million viewers. This had 24 million viewers on CBS called Scorpion. The main character in the show was called Walter O'Brien. That might be a hint for you. The guy sitting next to me is called Walter O'Brien.

I'm going to get there. Also, he's considered the fifth smartest human on the planet. His legacy and stories that will take me way too long because the intro will take the whole time of our 40 minutes. I don't want to go too far into it. I'll let him give a quick bio as we get to that But some of the fun ones are and what I want to ask about is he helped catch the Boston bombers like his technology He was interviewed on all these news channels talking about catching the Boston bombers when you think about the butterfly effect of that Of what those guys could have done and would have done

The next week the next month the next year the next year the next, if they didn't get caught by this gentleman sitting next to me, the butterfly effect of that is so impactful and he's done that on a multitude of cases, probably hundreds of times, not thousands of times, in scenarios that I probably will never ever hear about because it's top secret and classified. We're going to talk about at least a couple of them today, not the top secret ones, but a couple of stories today. Also, we're sitting with my co-host, the Real Tars. As I always mention to you guys, The Real Tarsan gets over 200 million views across social media, but he's had 195 million views on Instagram just this month, so he's gonna hit over 200 million views, obviously tonight, just on Instagram,

so I actually don't even know the number of what he's got on TikTok, Facebook, Twitter, YouTube, all these other channels combined. The numbers are insane because he makes animal content that you guys care about. I love to watch and I've been watching it for almost a decade now. Ever since whenever you first started, I was watching far before I knew. And so without further ado, please give a warm round of applause wherever you are on the planet to Mr. Walter O'Brien. Thanks for having me, Dan. All Alright, so with our main context, what typically is, we talk about how to make money and invest money, how to give away the charity.

We've gone over some of those topics with you in the past, obviously with our first episode. You guys that are listening, you should definitely go back and check out that episode. There are some really fun stories, some of my favorite stories that I've heard four or five times. I still get excited like a little kid to hear about a six and seven time because there are such good stories. So go back and check out those podcast stories. I don't want to repeat the stories on this episode. We're going to ask

different questions, different topics today, but make sure to check out that podcast episode. As you guys know, we keep our episodes to around 40 minutes because the average workout is 40 minutes. The average community work is 40 minutes. So we like to keep it nice and clean. Also, you can go to the moneymondays.com to share, like, comment, subscribe to keep us at number one. We've been at number one for 43 out of our 52 weeks on the air. Number one in the entrepreneur category. And so I like for you guys to keep us help fight the good fight. And we can do that by you liking, commenting, sharing, subscribing, et cetera, posting some of these clips across social media. And I can guarantee there will

be clips from today. So without further ado, if you can give give a, I don't know if you can do in two minutes, a quick two minute bio and then we'll get straight into asking some fun questions. I'll do my best. Thanks for having me back. From Ireland originally, Dairy Farmers Son, got bored, hacked into NASA at 13, stole the Space Shuttle Blueprints, got busted by the NSA, did a deal where they don't extradite me if I help protect their networks. That started a relationship with the government, it's lasted 30 years, was diagnosed with an IQ of 197, so on the

fifth highest in history, succeeded despite that disability, spent the rest of my life using my IQ to simulate my EQ, because apparently the higher the IQ, the lower the EQ. I started a consulting company where I hired other high IQ geniuses. I thought that would be a good idea. I was wrong. Because of the low EQ, the ability to read people, micro signals, sales, marketing, count management, et cetera.

Turns out we need that stuff. So I hired people with high EQ test scores to manage the people with high IQ and that balanced out the think tank and turned my company into a home for the mentally enabled. So the company for 20 years, because my degrees were computer science and artificial intelligence,

solved any kind of technical problem for companies and banks and so on. It got bigger, bigger, bigger. A lot of cyber issues while we were doing the military stuff. And then for the last 15 years or so, we started solving non-technical problems where people reached out to us because they knew us and they were going through divorces or court cases or medical mysteries or disgruntled employees

or intellectual property theft. And they needed deep forensics research, deep web, dark web, settlement analysis, work with their lawyers, expert witness, whatever. And it turns out in our kind of engineered discipline approach, we were very useful in those cases. So that business is called concierge up. And we tell people if you want to search something, type it in Google. If you want it to happen, type it in concierge up and we tell people if you want to search something type it in Google if you want it to happen type it in concierge up okay first so many questions okay I'm gonna go first today all the security

you've done all the hacking you've done all the collaborations with NASA and the government. I have a question. How can I save animals? Elephants. Well, there's an elegant solution that was used in rural Africa that I liked. I didn't do this one, but it's a good example of the kind of things we do. Where the animals were ruining the crops of the local farmers, so the farmers would shoot the elephants. And apparently, I didn't know this, but elephants are deadly afraid of bees. So they started hanging beehives, whatever, every hundred yards, formed a beehive fence, virtual fence. That kept the elephants away

harmlessly. And then the farmers, the story spread far and wide and the farmers actually harvested the honey and sold it as elephant friendly honey because it wasn't hurting the elephants. And now it's a win-win ecological solution. Wow, that's great. That's so cool. win ecological solution. Wow, that's great. If you really want to save animals, then you've got to change your brain structure and go do something away from animals to make the most money possible, to then hire lobbyists and politicians in Washington, to then change tax laws on meat, to then force restaurants to use whichever meat is cheaper because that's what they'll care about if you're going the veganism route. But most of the vegans I know don't feel like doing that.

It's easier to just block the trucks for an hour before they go into the slaughterhouse, which really just pisses off the truck driver. But if you really want to change the world, you have to start by rewiring your own brain and doing all the things you don't feel like doing. Thank you. So, when we talked about the Boston Bomber situation, and I saw obviously a bunch of the news interviews they were doing, walk us through the concept of the technology that helped catch them.

Sure. And that's always a weird one because we've stopped 29 terrorist attacks. That was the one we screwed up on because the attack happened. But that's the one obviously people hear about. So you don't hear about the 28 that didn't happen. So it's like constantly being interviewed about your failure. But they had 4000 hours of footage because it was a well televised event, plus ATM cameras, plus people's cell phones, etc. And the first thing we had to do is pull out my degrees in computer science and AI taught us a lot about image recognition and what's called flow analysis. So the first step was to use a tool that would throw away at a 4,000 hours all the footage where nothing

interesting happened. Everyone's standing there swaying in the wind, but nobody's panicking or running anywhere, nothing interesting happening. So we temporarily remove all of that. That's after we marshal all the data into one format, because as you can imagine between iPhones and Androids and old phones and ATMs and traffic cameras, no two videos were the same format. Then we could narrow it down to footage where something did happen. Now the first step in facial recognition is to find a head. So we use that little bit of an algorithm, a Gaussian filter, to identify where people's heads were. And if a terrorist attack happens like right here

right now, all of us would go down, be shocked at the same time, get up and slowly or quickly exit whatever way we came in. So I would see a bunch of red dots bounce and then go in a V shape at the door. So if someone didn't act surprised and suddenly sauntered off in the other direction, I would have a weird red line and that would be an object of interest or non-heard behavior. And that was the crux of how they identified within 24 hours who they were looking for. Then once I know where they were and where they were standing, now I can go back to all the footage I threw away where we thought nothing interesting happened and bring that back in for that piece of sidewalk and go where do these guys come from what

direction did they come from exactly so now we can hyper analyze that data it's great there was a story you told me about like a military base and like something with the locals wanted like try to poison the popcorn or something like explain that one sure so in in Afghanistan the local drug lords are funded by their poppy fields and when you get deployed you get a mission briefing that says here's the weather here's the territory here's the good, here's the territory, here's the good guys, here's the bad guys. Sometimes like the local civil authorities could be good guys or bad guys,

depending on who bribed them last, so you don't know who to trust. And then here's all the equipment military has and here's all the equipment. The enemies have, they might use cars and trucks and bicycles and things. So I took all of that and I had developed a technology. It's one of the fastest AI engines in the world called Senjen, it's a scenario generator, and I took all of those pieces like chess pieces and put them into Senjen and said, why don't you simulate everybody attacking everyone in every way using everything?

And then it generates all these scenarios like stories, and then I sorted it by the largest devastating loss of human life and One of the ones that came up with was it said if a drone Malfunctioned and landed in a poppy field standard operating procedures to burn down the poppy field The drug lord will react not necessarily knowing which draw which base the drone came from but he'll try and punish the closest base. And he'll do that by putting arsenic in the water supply to the base, which would have affected about 400 people within two days was the calculation. So we just

brought up this fictitious scenario and they were like, yep, that would be bad. So I said, well, if we put in clean water tank, and this is for like shower water and stuff, not for drinking water, and then put in clean water tank, and this is for like shower water and stuff, not for drinking water, and then put in a valve that'll detect high levels of arsenic and then switch over to the clean water supply. And it set that up as an IoT, so just an internet device

so we would know if it ever switched. And that was cheap enough, so they did it. We forgot about it, and I think it was like three months later, we got the signal in Datadog that that switched over. That's exactly what had happened, but we predicted it three months in advance as what they could have done. Then that made them think about everything else that comes into the base and they do a picture day every other Friday where they all watch movies.

So the popcorn supplier to the base was another area where there was a plan to put our SNCC So the popcorn supplier to the base was another area where there was a plan to put arsenic in the popcorn supply. So wild. Wow. Okay. So from the IQ and EQ perspective, right the second, are you forcing it? Always. Except for once a month. Once a month, I have a group that gets together, kind of like Fight Club, but verbal, where if you're caught being politically correct, you're kicked out. So I don't have to simulate EQ then. So I try to walk that line between radical honesty that's still censored to allow for people's feelings.

So you don't have to become a lawyer in lobby in Washington. That's great. Do you think, I don't want to say normal humans, but do you think... The shoulder touch, by the way, was simulated. Exactly. I was wondering how you did that. He likes to laugh. So every five minutes I'll throw jokes at him. Do you think that people in general have too many emotions, not enough emotions, or can

understand their emotions? It's a touchy subject. It depends a little bit on your job. I would be the worst kindergarten teacher in the world, according to my Myers-Briggs test. There, you need a lot of emotions. I would make a terrible nurse. But apparently I'd be perfect around an emergency room a triage in the middle of a war zone.

Like let these three guys die save these 15 people. So That will be a greater good calculation, which is a whole other interesting discussion, but the um Because you're right depends on what the 15 guys are going to do and the three guys are going to do if you keep them alive but um what the 15 guys are going to do and the three guys are going to do if you keep them alive. But in general, I find that emotions are the downfall of most people and most companies. Because as soon as you detach from reality and you start going into the delusion of what you wish things were and you hope things were and you'd like things to be instead of dealing with the harsh reality of what is, then you're lost and vulnerable to your

competition. And the definition of delusion is anything that only you think. If I think I'm eight feet tall and everyone else is like, nope, then you're delusional. And unfortunately, it's far too rampant that people are allowed to be delusional because nobody wants to offend them or hurt their feelings or bring them back to earth and nobody loves them enough to do that. And in fact, for every CEO, a lot of what we do at our customers, companies, especially startups,

is recommend they have a governance board in a retaliation bubble so they can't be fired for five years, whose sole job is to tell the CEO when he's being an idiot and he can't fire them. And it starts with me asking the CEO, do you believe you're always right and he says yes I'm like nice to meet you have a good day but if he's not a narcissist then I'll be like okay well let's pick out the six smartest guys that you fully respect who've been in your company the longest what I call boiler room people

who've been hands-on and then if the six of them or four of them disagree with you shouldn't you heed that and maybe veto your decision and then let's set up that board so then all of you would have to be wrong simultaneously to go down the wrong path otherwise there's too much pressure in the CEO to like you better be right all the time because you'll steer the ship straight into rocks if you if you don't and the the good CEOs will want that. So I'm going to ask you a question about a topic. And for the most part, I don't think people

could answer this honestly. And I know you will very bluntly. The greater good and the whole theory behind the greater good. When I just mentioned, you just mentioned about three guys versus 15 guys. What if the three guys are the president, the vice president, and the attorney general, or some, you know, some former power, some important, or the king, whatever is in a different country,

the three versus 15, or three versus 1500, or 15,000? Or when does that number become, hey, we need to keep the president or the king or the prince, whatever, alive? So you just talk to us in general about the greater good theory. Well, probably using three politicians is the wrong example. Because that's an easy decision. Let's talk to the king in there. I feel like I'm rushing.

I mean, this happened in Africa, where the Bill Gates Foundation, one of the first things they offered was, I think, a million-dollar prize for anyone who designs a more effective, comfortable condom. Because you take one guy who's starving to death, you help him, feed him, rid him of malaria, he goes and asks 13 kids who then all starve to death. Did you save one guy or did you just kill 13 people? And is the real root cause? Sex education, not starvation.

So you can't predict the future for everyone, but you can predict a certain amount. So part of my goals and my philanthropy is I help the people who can help the most people. Sometimes you'll have, it'll be very controversial or opposite that nobody wants to hear. I had a scheduling conflict once, I was supposed to speak at an inner city school full of kids. At the same day, I was supposed to speak at a private charter school in Beverly Hills and there was just a screw up

in the scheduling and then I was leaving town. So they only speak at one of them. Now everyone would say, pulling on the heartstrings, go speak at the inner city school. But I stick with my values and those say, I need to do the greater good. If I speak at the inner city schools and I inspire whatever, 10 kids there.

Those 10 kids don't have resources, don't have funding from their parents, will not go to an Ivy League college, don't have their dad connected to lawyers and accountants and funders and VCs to start businesses, etc. If I speak at the Beverly Hills School, all those kids are nine out of ten of them, if they're inspired to run a startup or build their own business, can employ 30 to 600 kids from the Inner City School because they can actually start their business and it will actually get off the ground and it will

actually get funded because they have the network. Most people don't want to admit that but that would be a good example of the greater good math. It's almost never the obvious thing that the fairy tales would want you to think. There's that theoretical thing we've seen a meme about like would you push this button to save this many people but you know it kills one baby or 10 babies or 20 babies and then they've made different versions of the meme and that's really based on the greater good right? How do people take that into consideration or can they not because of emotions? A lot of people never matter enough to be in a

position of choosing life or death unless they're in military assignments at a commander level where they have to make a call kill these 200 people or we could have World War 3 escalation for 24 million for eight years so push the button but you got to factor a lot of things in so it was two strangers I don't know the difference between them. But now let's factor in one of them's younger. Okay, that's a bonus. And you factor in, you know, the other one's IQ. Okay, they might be capable of more stuff. But then you factor in that they're an addict. And there are probably, you know, the odds of reversing an addiction even after rehab is about 5%.

So six months after rehab, about 90 to 95% of people go right back to the way they were. So now I'm like, okay, well, the guy I had in mind, if he's an addict, okay, it's 95% chance I'm not turning it around. So now back to the younger person who has an unknown IQ and an unknown support structure. And it's literally, you can either turn a blind eye

to everything, because that's easier, or en masse you can start going down and go, what about this orphanage versus this school, versus this basketball team, versus this science league, versus this robotics team, who do you help? You just talked about this in one of your speeches where you're talking about when you're investing,

if you have somewhere that's opened 17 restaurants and they're gonna open their 18th restaurant, the risk is low. So if I have some kid who's, let's say, smart, disciplined, finished his computer science degree and has been working for three years consistently in a job and I have the choice to be saving him or someone else who's done nothing ever,

then I'm gonna bet on the one that has the lowest risk of failing. So I've seen you talk about for years something about the year 2045. Can you walk us through what that is and why is it so important to our society? Okay. So the top of Maslow's hierarchy of needs says, for self-actualization, we should use the gifts and skills we have to do the most good for society before we die. So it seems obvious then that logically, if we didn't die, we could do that better, longer.

And part of my goal with that is I'd like to do that, and I feel like I have been, while not being miserable. So I don't want to party all my life and help nobody and I don't want to help everyone to be miserable myself. I'd like to help as many people as possible and keep my own happiness above a seven out of ten. So and if I can do that without dying then I can do that longer. Therefore it makes sense that it's the greater good. 2045 is a mega project that involves many, many other companies in a thing called transhumanism. And all it means is you're not your fingers and your toes and your arms and your legs, you are your consciousness

and your memories. We are electric activity running on a biological computer, two and a half petabytes of storage near as we can tell, and about a hundred million neurons. So if I can move that into a different structure, then I'm not dead. I'm not married to my meat skeleton. I don't care what happens to that. So it's our biology that lets us down, not our dielectric activity in our brain. So we're getting to the point now where MRI scans and neural link that Elon's funding and a bunch of other efforts are getting closer and closer where we can back up our brain like we back up our iPhone. All of us every couple of years

throw away our phones, go to a store, buy a new phone, download the software from the cloud and our phones back. Why not do that with our bodies? So you can either get bodies or stem cell clone humans and then there's ways of accelerating the growth level in those humans so that you could grow a 20 year old twin sister or twin brother within four years and then download your brain and consciousness into that person. So if you did that every time you hit 30 and put you back to a 20 year old body, even though your brain is 500 years old,

you can live forever. And that's the first stage. There's head transplants that have been done. The later stage is you upload into what we would have known as the metaverse when they get it right. And we don't bother coming back. So this channel we're on here is PBS right we'd have 500 more fun channels to

live in if we all had our own instance of that like in our own video game then it solves every other problem known to mankind which is why it's interesting to me so if you take animal rights you give back the planet we're not using it global warming we wouldn't be using fossil fuels to travel. Starvation, poverty, fresh water. Pure energy doesn't need to eat or drink. Poverty, money means nothing in a virtual space. War over nepotism, politics, corruption, that won't happen in your own instance of the game because you're in charge. War over religion, which has been every war until the Ukrainian one, you're less worried about God if you're never going to meet him ever. And plus who you want to war with, you're kind of warring

with yourself. And we could all have each other in our own instances of the game, but we can also kick out the people we don't like. Your brain is then a memory file, so you could delete the traumas you don't want to relive, but you'd still have the strength and personality that came from those traumas. And then if you did one in a physical world travel, you could rent the George Clooney special in New York, email your brain file there at the speed of light,

true fiber optic lines, and then walk around New York as George Clooney, just like you'd rent a car when you go there. There's no need to put our bodies on a jet. Now what it gets interesting is if you if I upload you once and download you five times ten minutes later which one's the real Tarzan. If I take your brain file and delete your memories is that your son? So there's some questions that we're working on. Wow! This is insane. Questions?

Uh, no. It's insane until you take it piece by piece and go... Any question guys? Can we back up memory? Yes we can. I have a question. You said our brain holds up... what kind of... Two and a half petabytes. Petabytes. What is a terabyte versus a petabyte? Thousand terabytes is a petabyte

okay all right two and a half thousand terabytes well we have hard drives that'll do that now yeah well wow okay so you're saying that if I wanted to go to London I could just rent a I could just rent George Clooney's body in London. Or Angelina Jolie's if you want to have fun. Okay. The DNA and body chemistry doesn't have to match if it's just electrical. And then I just transfer, I just email my brain, all the files, to George Clooney in London. Yeah. And then I just walk around. Yep. Do my meetings. And then I go back to the rental car center and drop

my body off and then come back to... Sort of. I mean that's correct but you're so busy what you would do is split your file send one Dan on vacation the other Dan would keep working here, and then you just merge your memory file when you come back. How many Dan's can there be? Infinite. You can afford a lot of hard drives. So I can go to London, Cabo, Costa Rica, Cancun, New York, Miami, Las Vegas at the same time?

Sure. Why not? It's just electricity. That's that's the mind fuck. We are all just electrical signals. We think we're something more special than that and so on but at the end of the day if you cut off my arm I'm still me. If you give me a heart transplant I'm still me. You give me a liver transplant I'm still me. Cut my legs off I'm still me cut my legs off is still me so which part is me why can't we move that around why is that organ so special we can't touch it

here are so many questions and nothing comes out it's like you're very intelligent Okay, so I didn't want to let you down keep your board All right Okay, so can I later down the road as technology is getting better and better better Basically become like the bionic man. Let's say I don't want to shit my brain Can I just become like the bionic man and like a bill to bear't want to shit my brain. Can I just become like the bionic man and like build a bear? Like just put on robotic parts? Yeah, of course. You just, again, you would,

the movie, Cereguts covers that where humans or bodies are so fragile, it's better to send out a virtual, or not virtual, a cyborg in our place. If that cyborg has an accident, gets hit by a bus, has a crime, gets shot, whatever, you're sitting at home in your easy chair and you send out another one.

And it's like you to a T. Yeah, it's like if you jack into VR right now and walk around the metaverse, why not walk around in the real world? And you can do that now, but put an Oculus Rift helmet on and flying a drone outside and just fly around, but you're safe inside How long now let's say you did get up tomorrow and go for a jog and get hit by a bus If we back you up every night like we would your phone and we have your stem cell brother in the closet

Then we put him back together then all you lost is breakfast question for that Said you can take a twin embryo and like you can raise it to 20 years old in four years. Yeah. How? Well telomeres have been adjusted in order to slow down aging typically but you can also use them to speed up aging if you help them unravel faster. Telomere. Telomere. Is that like an ingredient or? It's basically what they them to speed up aging. If you help them unravel faster. Tell them here. Tell them here.

Is that like an ingredient or? It's basically what they figured out that causes aging. It's part of our DNA or cells that unravel like laces on a shoe. It's like that little plastic cap on the top of your laces. And you take that off your shoe laces start unraveling. That's basically what happens when we get old. But they have ways now of reinforcing that plastic so you don't start unraveling as quickly. If we make it unravel faster, then you age quicker.

Could you put that in someone's dog food and make their dog immortal? Well, the first head transplants were with dogs, actually. I have the diagrams on my phone if you want to see. We do. 1960s. Glad that you're asking so I mean obviously most of the studies have been done on on human brains but there's no reason to believe dog brains or animal brains are any different the only

problem is once you upload and download again you have to do a lot of studies to know if they're okay catch us ask him maybe you'll have enough intuition to know quicker but yeah There's no reason why people can't back up their pets and have them in a virtual space as well. So head transplants have already happened on dogs? But more, yeah, but more practically, I mean, there's 29 head transplants, 28 of them were on humans. Or well, we're on animals. Sorry, not just dogs, but animals. But let's say you back up grandma before she starts forgetting the names of her kids. And then you give her a dollar fifty Wi-Fi chip, which Neuralink will now be able to

do, to access her old memories. That means you've cured Alzheimer's and dementia. If you take HIV, ALS, MS, ALS that there are no cures for for the last forty years, why cure them if you can throw them away with the old body? Wow. They don't kill you by 30. So basically the reason I work on stuff like this and donate a lot of money to it is the fact that unless you guys can think of something else that fixes all of these problems in one shot, this is the best idea I have. Plus it'd be nice for me to not die and not be in pain at a 150 year old person

in a 150 year old body. I'll be a 150 year old person in a 20 year old body. One more question. You said you could cap the what is it the thing to make telemeters? Telebeers. To grow a human from in four years as a 20 year old, but does it keep growing at that rate? Can you recap it or is it doesn't matter if you're gonna keep you can adjust it. Yeah So after that you slow it down. So maybe it takes 20 years to grow 10 years Now again everything I'm talking about half of it is practical and happens now Ted burger at USC has proven what he calls prosthetic memory. We can upload memories of mice into a fake brain and then load it back into the mouse and then show that the mouse effectively has Alzheimer's if he flicks the switch.

He's proven it enough times in a row for it to be published in American Scientific Journal and he got the 200 million in funding from DARPA because it's easier to Google a terrorist memories than interrogate them. So there's military applications for this too. So that whole upload backup part, I mean, Elon Musk has videos out there of these chimpanzees playing pong. And then they pan down with the camera and show that the joysticks plugged out. So it's just reading their memory

to know where to move the bat. So the backup part is working. The parts we don't have yet is the ability to restore it fully, restore consciousness which is separate from memory, and to be able to do that correctly. And we also don't have a universal translator. So if you go in the other room and visualize a triangle, and I take the electrical activity from your brain or your visual cortex and put it into my brain, it'll look like junk. It's like PC to Mac, right? Or maybe in this case, more PC to Mac. But if I take that triangle data and put it back in your brain, it'll make perfect sense

to you and you'll see a triangle. That's why now they can record your dreams and kind of play it back to you on a screen to see what you dreamt of. Or if you go to the room and watch a movie trailer and you come out we could plug it to your brain and kind of see the movie trailer the same way you'd remember it. You'll see some of that on YouTube. But what we need is if I had a box here that's a universal translator of this is what Tarzan's triangle means and this is what Walter's triangle means, then we can have a whole phone call without ever speaking. And we can communicate 28,000 times faster. Because the way I think right now, and then I have to put that into words, and I have to speak, and then those sound waves have to hit your ears, and then you have to turn that back into words, and then you have to

understand that, or we're texting or on a keyboard or whatever limits these two supercomputers from talking. If we could go direct, we'd be able to talk at a much faster bandwidth. So it's literally like we're all talking right now through Morse code instead of directly. So us talking right now is antiquated. Yes. In advance. Antiquated in advance. Yeah, a lot of questions. We've got three more minutes, go for it. Okay, but this is not what my company does every day for people. This is just my hobbies. Okay, so concierge up, explain that. Well, we ended up, like all people recommend, I try to be the dumbest guy in my company,

so we've hired very, very smart people in my company who go down rabbit holes much deeper than I do in various different areas. And we've worked together for 30 years. And we have a lot of best practice and discipline from our education on the right way to approach things. So people can come to us with projects. They want to build Disneyland in Canada. They're like, okay, how do I do that? I have the money, I have the idea.

But now I've got to do find the land and do zoning and deal with the politicians and hire all the people and put up security cameras and figure out the best rides and this thing's gonna be around in 40 years. So what do rides look like in 40 years? And I'll put up a better branding and so on and we've seen so much we can put all that together like at the very top level of managing mega projects. That's one thing we can do. On the more practical level, somebody has a startup or a company with maybe 20 or 30 employees in it.

And maybe they were more right-brained, so they're more on the sales and marketing side, and that's what got them where they're at. But now they're struggling to grow any bigger than that because just sales and marketing is not gonna fix everything. So now all of the left brain side of process and procedure and protection and legal and cyber and testing and quality assurance and all the things that make a company bullet

proof and last a long time, they'll come to us and engage us and ask us to seal all that up before they get fired bankrupt or put out of business because they ignored that part. And then they will get happier because they're not being called every day with fires that broke out. And then their staff will be happier because they're not working in somewhere that's constantly in chaos. So we raise what's called the CMM level or capability maturity model of a company. There's a scale of one to five on kind of how start-up he is a company all the way up to a company that's just working on continuous improvement where everything's measured,

everything's in a dashboard, you know what everyone's doing and now your the CEO's job is simply look five, 10 years ahead and go, what do we do next? Instead of always dealing with the last couple of weeks of fires that broke out. And then the individuals, the CEOs themselves, will say, I want to secure my family, my house. I am worried about rolling blackouts. I want alternate power solutions off the grid. I want to know how easy it is for someone to break into my bank accounts

or steal my Bitcoin or take my data or anything else. And we come in kind of with the mindset of if I was to hack you, here's all the ways I could screw up your life with an assessment and I go okay how many of these things would you like to close and resolve so you have no single point of failure in your life because if you go from earning nothing to finally you built a business and you've made a couple of million and you paid off your mortgage at that point the most important thing in the world is not going backwards, not losing it all again, starting over. So, we're the guys who can come in and say,

okay, how badly do you not want to go backwards? And let's start shoring that up as much as you want. So people can just go to conciergeup.com? Go to conciergeup.com and just type in whatever your funded request is. So we take problems from 10 grand upwards. And we work like a law firm. You put down a deposit

because you don't know what your problem costs. I don't know what your problem costs, but 10 grand separates the talkers from the doers. And we'll give it back to you, obviously, if we don't use it, but at least then we can jump on a call and figure out what do you need, how far have you gotten.

We joke about our slogan being the customer's always wrong. But if that's not true, why hire us. And then we work with you piece by piece every week as long as you like it. And there's no tricks. If you don't like us, stop hiring us and we'll give you back whatever you have on deposit. The customer's always wrong.

I love that. That's why you hired us. Why hire us. All right guys. So we are to try to convince Walter O'Brien to come back for third, fourth, fifth, sixth, seventh, eighth, ninth, and tenth and eleventh episodes over the course of time. I'm here with Real Tarsen. Check out Walter O'Brien. He has some social media. He's mostly going to be go to concertsup.com if you have a funded problem. Go visit him there. Come see him. Speak at some of our events. He doesn't speak at very many events, but luckily he's been to some of our events

each year for many many years now. Alright guys, as we always say, you know, we grew up thinking it's rude to talk about money. We think it's rude to not talk about money. It's important to have these discussions with your friends, family, followers, co-workers, etc. Have blunt discussions about finances, accounting, credit scores, salaries, bank accounts, loans, and everything between, and have real, honest, open discussions about money. Because it is an important fact of our lives, no matter what the media or what our households have told you over the course of our lifetimes. It is critical if we're going to have these discussions.

And that's why I think our podcast has been doing so well and you've been sharing it so much is we need people to have these discussions. You need to talk about it. You need to not be shy about it because the difference of you discussing it can help your friends, family, followers and yourself. Save yourselves a lot of money, make you more money, etc. I'm Dan Flachman. We're here with Walter O'Brien, The Real Tarzan, and we will see you next Monday.

Ladies and gentlemen, welcome to the Money Mondays. I am here with my co-host, the real Tarzan. As I've always mentioned, Tarzan is getting over 200 million views a month on social media, except as you guys have noticed the last month or so, he's making me have to change my story. Because this month, he got 195 million views in the first three weeks Just on Instagram So we have to come up with a new tagline for you buddy. I don't know what it's gonna be we have to Track all the numbers and one day I'll be as cool as you man

No, I'm just trying to get to a billion views every month in the year 2023 Tarzan had two billion views in 2023. So let that sink in for a second. All right guys, so on the Monday Mondays we cover three core topics, how to make money, how to invest money, how to give it away to charity. Also the main importance for this podcast and why we've been number one for 43 out of the 52 weeks

in existence is people are enjoying and need to talk about money. We all grew up thinking it's rude to talk about money. We think it's rude to not talk about money. You have to have discussions about salaries, finances, credit, FICO scores. Most people can't even spell FICO. They don't know what that's hexed going on.

They don't know how to deal with the IRS and taxes and loans and they don't want to talk about it because they think it's rude or it's uncomfortable. We are here to tell you and we are here to spread the message that is not uncomfortable. You need to have these discussions because money is an important part of your daily life because you do take loans. You do need credit. You do have to pay taxes. You do deal with like you deal with these things on a daily basis so you need to talk about it. That's what we're gonna do here today. So our guest has built a very large company, he's built a very large social media following, he makes really fun

videos with cars, guns, helicopters and everything between so if you can wherever you are in the world right this second please give a warm round of applause to Mr. Brian Goldstein. Thank you fellas for having me. So Brian the way this works is we go over those three core topics and we keep these podcasts under 40 minutes because the average workout 45 minutes, the average commute to work is 45 minutes. So we do 35 to 40 minute podcasts here and we'd like to start off with a quick two minute bio so we can get straight to the money. All right guys.

So as you know, Dan had an interesting childhood, came from drug and alcohol abuse, was in special ed through sixth grade through first year of college, stepped into the family business of healthcare at 17, went to med school at the same time of running the business, grew it from four employees to 346 employees across 33 states, pissed off the government a little bit, pissed off some other people, sold out two years ago now, and been focused on just helping brands grow their business and doing all the back end stuff of, fuck, I grew my social media insanely and I wasn't trying to be an influencer. It was just based on marketing and doing stuff with you and all these other fun things and

people just don't realize how easy it is to grow a network. So there's a lot that happened in that 47 seconds I can sit with that bio. Walk us through why, after all these years, you decide I'm going to actually showcase my world, I'm going to showcase when I'm shooting, when I'm jumping out of helicopters, when I'm racing cars, why do you decide to show the behind the scenes of your lifestyle? 2020 at a shift, I finally became pain free. I got stem cells in Columbia in my neck, my back, and like cut my pain by 70%.

Then I did the gastric sleeve, shaved off another 110 pounds. 110 pounds. Yeah, I was a big boy. I'll show you a picture later. Whoa, what a really good friend. I don't remember that number. And keep in mind, I don't go to the gym like this, dude. I just changed what I ate.

And that's why I was asking the pro team question, cause they're like, you gotta get 120 grams a day. I'm like, put my stomachs this big, guys. Like how you want that to happen? PB and J sandwiches, bro. Boom. I think I'm 110 pounds. I lost more than my camera guy and he's 95.

You're spitting me off. And then- I'll record on more than 110, okay? I'm at least 112. If Tim can pick you up like this, I don't know. Definitely doesn't need two hands. And then I just, someone dragged me into a Philasibon ceremony and then from there, just shifted my mindset of built this amazing company. I've done all these amazing things, but why isn't the knowledge out there just like Money Mondays?

And started showcasing it, connecting with guys like you, and just really showing parts of my life. I don't really show my personal life, but the exterior stuff I do show a lot more now. Why do you think most people in society are not good at making money? They listen to their friends and don't trust their gut. It's really not that hard. People overcomplicate making money. Yeah, like if you believe in it, do it. Even if all your friends said Money Monday's podcast

was a horrible idea, you'd still do it. No one's going to stop you from doing anything. Oh, you want a food line in another country? You're doing it Yeah, when I said I'm gonna throw the world's largest toy drive I'm gonna build a 26 acre ranch with the real Tarzan of 200 animals sounds ridiculous sounds ridiculous but you set a time span of getting it done and you get it done in probably half most of the time and People don't realize like okay. You have a goal of you want to make 100 million dollars a year And people don't realize like, okay, you have a goal of you want to make $100 million a year.

Cool. How are you going to get there? Draw the map. And Dan, you are the king of whiteboarding shit out. I love whiteboards. Or butcher paper, whatever people prefer, and map it out. And then you have a plan. Okay, here's 12 months from now. How do we get to now? For those of you sitting at home, right the second, there are so many ways for you to make money. If you're good at doing makeup, why don't you charge people to do makeup? Get your cosmetology license. You like doing hair? Make up 50 bucks, 100 bucks a session, do hair. You're really good at Spanish?

Hone your skills and start teaching Spanish. People pay you 30, 40, 50, 60, 70 bucks an hour to teach Spanish from your laptop or your phone. Let alone in person, 50, 60, 70 bucks an hour to teach Spanish from your laptop or your phone. Let alone in person that you can charge 100 bucks. Oh, you get a guitar or a piano? You like dogs? Walk some dogs. You have two extra bedrooms at your place? Airbnb at some of your apartment units.

And people don't realize it's that simple. You have extra shit in your house you need to get rid of? Sell it! Do you know how much extra stuff you guys all have right now? Thousands of items. Like literally the amount of shoes and dresses and hats and clothes and jewelry and watches, accessories and sports cards and video games and things that you

are like, oh, it's just crap. People buy all your crap. You go to Facebook Marketplace, you go to eBay and all these platforms, or you don't have to be the one to do it, have someone come over and do Poshmark for you. Sell all your clothes for you. Don't want to deal with all that stuff, donate it. But you have so much stuff,

you have so much access to making money from your skills, whether it's your brain or your hands. Like you have so many access to making money. It's mind blowing when I see people that are just like, oh, I make 15 bucks an hour, that's all I can do. I work 30 hours a week You know how many hours a week there are? There's a lot. I was actually just doing the math with Suresh by end of day tomorrow The last nine days we will have done 180 hours

But that's the life I don't have to but that's the life we live where fuck I gotta outdo what I did the day before I don't have to but that's the life we live where fuck I gotta outdo what I did the day before Why do you think that people have such limiting beliefs about money? Upringing I think social media also has blurred people on They're not doing enough. So then they just sit there and pout with themselves. They get depressed. They just I don't know We've all seen it. We all deal with social media people and like, oh, you live such an amazing life. Yeah. How many hours a week you work Tarzan? All of them. You don't stop?

No, I don't stop. And that's what people don't understand. It's just, it's not that hard. They just need to slow down and really just think and stop listening to the family members that are putting them down, change the circle they're in., like you can figure someone out by the five people that hang around the most. For sure. Tarzan, you crafted your passion for animals into business quite young. You were working with Zoological Foundation and working with zoos and working with sanctuaries and all these things from childhood. As soon as you were allowed to work, work, high school and college, you were working all these places. When someone wants to craft their passion into a business, talk us through how you did that.

First you gotta believe, you know. It's like telling someone when you're young, you want to be Tarzan. I'm like, bro, what? You want to do what? You want to do what? You're like, the real Tarzan. The real, I don't live like Tarzan. I want to eat Tarzan. And he was like, well, what are you talking about, bro? And I'm just like, well, I just kind of have to show you. You're showing us, you know, and this happened in a belief that you can do

something. You can, your wildest dreams in your head of going out and educating about sharks, educating about being a marine biologist, going to school for it, you know, while doing a wild jungle, starting a business, going out, traveling, shooting content, doing different brand deals, you know, learning from different teachers. Just growing your personal brand as a whole is not easy. It takes work. That's what's getting on

understand you got it if you're gonna do all the work you gotta do something you're passionate about so you don't get burned out you know if you're doing something you don't like you're making a lot of money probably gonna get burned out after a while because you don't like it you're not happy you know and as you both know business are up and down and up and down work Working with animals, up and down and up and down. There's never a dull moment. There's never a dull moment in building any type of business, any type of brand, especially in the beginning stages,

especially in today's chaotic world. You don't know what's going on, what's next. Thinking outside the box, growing platforms on social media. I think about the people that were doing animals 20 years ago and it was like, we got to figure it out. We're going to do that. And like boom, social media pops up. They're just left in the dust like that.

You know, there's different sanctuaries around the world. We visit that were been thriving for 30 years and now it just slowly dwindling away because they don't have any social presence. And they're not adapting. Not adapting, you know. I think one of the, I think it was Charles Darwin. It was like, it's not survival of the fittest. The one that survives is the one that's able to adapt the best to this environment, you know, in its time.

So constantly be adaptive to your environment and you will succeed. So you're surviving the jungle, right? Yep, and adapt. So constantly be adaptive to your environment and you will succeed Yep, I had that Brian so we talked a bit about making money. Let's talk about investing side When you changed your life from focusing on building the business When you decide or how do you decide what to invest in when you have so many options out there in categories to invest into? so Like anyone who's made money, you've taken some L's on investments and probably lost $5, $10 million on investments

that didn't work. And then I realized, let's start buying real estate. Let's start investing in hard money lending. Real estate's not going anywhere. And it's only appreciating. If you can put enough money down where there's still a positive cash flow, it's only going to appreciate. And that's what I learned.

I'm like, okay, I built an amazing business, but doing this every day blows. What can I do that's passive that still makes me money while I sleep? People paying me rent, getting my interest payments every month from the hard money lending, all of that stuff. It's like, oh, this is fucking amazing. Can you explain the general concept what is hard money lending? So Mike doesn't want to go through Wells Fargo for a loan because they're gonna take 90 days they're gonna ask him a million questions. Mike shows us his balance statement showing cash blah blah blah he can afford the

payment we can close a loan in 10 days you're gonna pay three points higher than everything else that's out there even as much as five points higher but there's no huge underwriting process they check out you you have to put 40% down max the company I work with does 60% loan the value and they close in under two weeks. Wow. Which means you can beat out a lot of buyers as well. So it's an alternative to bank financing. Boom.

And then you can refinance it right after you're done. If you're in a pinch to just bang out a deal or you drag it till you figure it out, but you just got to make sure it pencils for, you know, what you're trying to do. Right around the time this podcast come out, I actually have I was surprised I haven't told anybody in this room. I'm actually coming out. That's already done now. It's called elevator funding. So elevatorfunding.com. We do smaller amounts though. It's five thousand to two hundred fifty thousand dollars. We'll loan you money. Really fast, like the same day next day. And it's, I don't call it micro loans, because it's still, you can borrow a quarter million dollars. But Elevator Funding, I partner with a large company,

they do like 200 or 250 million dollars a year in loans. Oh wow. And so they back the whole thing with me. And it's perfect because San Diego guys, they do 200 million, 250 million a year in loans. And then I obviously have this big entrepreneur following that could use extra money. And we're here with the Money Mondays entrepreneur following that could use extra money. And then we hear what the money Monday is,

that they could use extra money because they're listening to a show about money. And so Elevatorfunding is Elevatorfunding.com. People can apply and literally borrow five grand up to $250,000 like that. And so it's interesting to me, that's why I asked about hard money lending. I wanna explain to people about loans

because again, we don't talk about enough. Most people think you gotta go to Wells Fargo, Bank America, Chase, and go through that 90 day process and they don't know that there's other options that are out there. Also if you guys have businesses, there are some great platforms like Shopify, if you're selling your products on Shopify,

that will literally loan you 50 grand, 100 grand, $250,000, same day or next day. I didn't even know that. Shopify loans is really expensive the first time and it goes down and goes lower and lower. The interest rate keeps getting lower and lower. What they do is it's a big take around 14% of your gross sales per day. Gross. To repay their own loans.

Got it. So they loan you 100 grand. You're doing two grand a day in sales. They're going to take out 300 bucks a day until they get their 100 grand back. And that never changes based on whatever the loan is or whatever percentage rate that you're at. But the point of the concept is you guys have more access to capital than you think. There are private lenders out there that will do hard money loans if you have an asset or you're buying an asset and you have some capital to put down. There's things like elevator funding

where if you have a business you can show you want to borrow money to help scale your business or buy more inventory etc. And there are hundreds of competitors to what I'm talking about, what elevator funding is. But then within the platforms that you typically sell your products on or sell your e-commerce on or sell your whatever it is you're selling, there are ways to borrow money for that. There's also a company called Pipe. Pipe does like two billion dollars or something crazy of loans, I don't know the exact number. For people that have reoccurring income,

so if you have a membership club or subscription group or anything that's recurring, you can go to them and get these loans and the same thing, they just fund it really quickly. So whatever industry you're in, whether it's for a personal loan, et cetera, if you need extra capital, I'm not saying to go take a loan unless you actually need it and you know how to pay it cetera, if you need extra capital, I'm not saying to go take a loan

unless you actually need it and you know how to pay it back. Let's just be clear. Not saying just go take loans like it's free money. It's not. I'm not talking about government money. I'm talking about real life money from trying to scale your business or scale your life.

Research it. Find out these things. The things that you hear at Tarzan, myself, and the guests that are on here like Brian talking about, Google it, watch on YouTube, watch on social media, research the keywords, that's why whenever someone says a phrase or a term or just letters, I ask them to explain it, like hard money lending. I want you guys to understand these things that have these discussions. You might not need it now, but three years from now, you and your mom and dad or uncle or grandpa or friend or business

partner are like, wait a minute, we're gonna buy an asset, we can put 40% down. I remember Brian Golstein saying, I can actually get a hard money loan, that'll save us 90 days. Or you're like oh yeah wait, Dan has the elevator funding thing, I can go borrow 20 grand or 50 grand and do this thing.

We want to have these discussions with you, so you actually think about the situations in your life, whether it's now, later, or for the people in your circle. Brian, someone out there that's listening is ready to invest. You know what, I'm making 80 grand a year, I've been saving 20 grand a year, I've been a good kid, I've saved up $100,000, I'm ready to do my first investment.

When they're going out there and there's all these options, there's real estate, the stock market, angel investing, cryptocurrency, they're just bombarded by options. What would you say is the best way for someone to think about or decide which path to take when it comes to investing? The safest based on that person's income is doing deals like you are offering people on the ranch where they get 9% a year and it's one or two year term, three years, you get a higher percentage and you know every month like clockwork it's getting deposited in your account, it's backed by real estate, the liabilities as small as it's going to be in any scenario versus crypto, you know like you were talking about earlier, bitcoin if you're planning on long haul but if this person wants to keep their capital and get some extra monthly, that's the cleanest in my book.

So also guys, right now, banks are offering a crazy rate. 5.5%, 4.5%, 5%, sometimes 6% on CDs, on things that are basically 100% guaranteed. Obviously the banking system could fall apart, let's not go down the rabbit hole. But household names like Wells Fargo, Bank of America Chase, theoretically could fall apart, but that's like, you know, if that happens we got way more problems. We got bigger fish to fry. In our country you gotta get you better buy bullets and water. Like if one of the major banks closes like that. But the point of it is there are some really safe investments that are effectively almost 100% guaranteed, if not 99.9% guaranteed

where you can get 4.5%, 5% as much as 6% from just like a normal bank where they used to pay you like 1% If even If even right because they just knew that you're gonna leave the money with them anyway so they didn't need to pay you But right now they need cash and when I they, I mean literally Wells Fargo, Bank America, Chase, all these major banks need physical cash to back up their loans with their commercial properties. Because, sad to say, nobody wants to talk about it enough, they are underwater with the commercial properties. And it's not going to get any better. With the fact of what happened during the shutdown, the people think it's okay to work from home.

Cutting their leases, all of that. What do you need a 30,000 square foot office for? Go down to 10,000 or 6,000 or no thousand. And just have everybody work from home. Oh, you should have 14,000 square feet in four cities. Why? Have one office now, much smaller, and have everybody work from home.

I don't technically agree with work from home. I think it only works for certain companies. I think for most companies it's terrible for the culture, but for that work culture. But for some companies, it's genius. They don't need to be at work. They don't need to be at the office. And I think that most companies,

the reason they go broke or bankrupt or have huge headaches is they have way too many employees and they do these massive layoffs because they don't know why they're hiring and they don't know why they're firing, they don't know why there are things because they get too big and too bloated and within that, sadly, corporate offices, huge buildings,

when you see a household name department store move out, it's really hard to find a new tenant to move into that. That massive space. Who's going to move into like an old Mervins or... Even like the Nordstroms in San Francisco. They moved out and who's... Who's going to move in? They had what, four floors, something insane.

Yeah, who's going to move in and pay a million dollars a month for four floors in terms of scale right now? Nobody. For what? And so because of that The banks need money and I'm not again. I'm not trying to scare you away from all commercial real estate There's plenty of great commercial real estate. However, a lot of them are getting hit hard Especially in places like New York City, Chicago, etc. Where they just not gonna charge You know

$30,000 a month for 3,000 square feet You're just not gonna get away with that anymore. And because of that, a lot of things are adjusting within our real estate market, which then goes back on the banks because if those commercial lenders default on the banks, the banks get stuck with it. And they're gonna try to sell the paper,

which is a whole longer discussion. The point is there's a trickle down effect. And because of that, they're willing to offer four, five, six percent on your money, pretty much guaranteed. And so research things like that to get some interest on money that you still have access to. If you break it, they will charge you a fee,

but for the most part, putting in capital into things like that are really interesting and really safe for you guys to think about. Okay, Tarzan, throughout this time, throughout this last year, you've heard so much, right? It's been like a masterclass on listening to guys like Brian Goldstein and some of our amazing guests that have been here about money, about business,

about investing. What are some of the key things that you think that our listeners should be focused on when they're listening to the Money Monday's podcast? It's very key to be a fly on the wall as I've have been you know this last year and What we have so many different topics to cover from Again, most people don't like talking about money. You know, they don't want to sound braggadocious. They don't want to Seem like they know it all they want to make someone feel less if they don't make the same amount

So there's a lot of uncomfortable conversations about money that I feel like we've been breaking the barrier on, like FICO credit score, mortgages or different types of real estate or investing in crypto, how you said if you're just constantly buying Bitcoin down the road, it doesn't matter, you just need to buy it. Well, there's a couple of bucks here and there. And then Apple stocks. Right. Stocks.

We had Timothy Sykes on the stock market. So there's so many things that I'm picking up. People's, what do you have? Like a 1.8 million email sent out on a newsletter about the stock market that is nuts. But he was showing us how he did it through, getting emails through his website. It's just nuts, but did you get that many website clicks, you know. That's a big list. A big list, man. But you just see different

tactics that people use and getting new coaches, going to masterminds, people investing in themselves, you know, investing in, you know, different aspects of how to run your business. We had a guy say today he's the highest, fifth highest IQ in the world in human history, you know, and is EQs low. So he hired someone with a high EQ and then he got a high IQ and it just balances out. And it's like, bro, that's genius, you know, like hiring someone for all your weaknesses, but you got to be blunt enough to know where you're weak at and hire at and get teachers and so it's really cool.

And honest with yourself. And honest with yourself, you know? And it's cool, man, I love it. And if anybody's picking up any information from any of the things on the Money Mondays, just get comfortable in asking the top questions and how to make money, how to invest money and how to give it away to charity. Do not be scared to google this youtube it ask the people around you that you think are smart

and have some businesses as Brian mentioned asking your friends is not the key play here's why if your friend is really good at skateboarding and you ask them about FICO score or investing, they have no clue. If you want to ask your friend about skateboarding because they're good at skateboarding, it makes perfect sense. If your other friend is in college and you ask them, hey, I heard about hard money lending, could you explain hard money lending? That doesn't make any sense because they're in college and they're an arts major, they don't know what you're talking about.

Too often people ask people that are unqualified or not living the life that you want or aren't in the business that you want questions about business and investing. That's a huge detriment to yourself. It's actually bad for them, for you to ask them because now they think they're an expert in something which they're not. And you take that advice and it's completely unnecessary when Google and YouTube exist. You can find anything about any topic across the board from bowling to hard money lending and everything between.

And there's a convention for all of it, there's a YouTube video for all of it, there's an expert for all of it, there's a book for all of it. Please spend some time to do your research on anything that you're hearing us talk about, from loans, investments, FICO scores, credit scores, anything that you hear us that is important to you, or you're just curious about, spend the time to research it or ask people

that you trust and respect, have some knowledge about that topic. Brian Golcim. Why is it important for people to involve charity into their personal lives of their family or with their businesses? We all got to give back and you've said this a million times even if you don't have the money donate your time. I don't care if it's five minutes. Do it consistently. Like this week's one of the busiest weeks for me

during the year because it's shot show. I'm in meetings starting from Saturday all the way through Friday morning and Tim had asked, hey would you mind speaking on a panel on suicide prevention and all this stuff and hate to break it to you, it's during prime time during the show

and you're gonna be missing for three hours. Bucket, let's do it. Cause it's a topic that needs to be talked about and I'm giving that time. I'm turning off my phone. I'm streaming it on my Instagram. So everybody can also be aware of it and I'm not asking for anything.

I don't wanna be paid for my time. I just wanna give back and help people on what goes around comes around. Tarzan, what charities are interesting to you right this second? Sharks. No more shark fin soup, no more ghost nets. There's a lot of things going on, a lot of campaigns. What's a ghost net? A ghost net is like how a fisherman like put out long giant nets and just drag it off the bottom and they just catch whatever they Catch yeah, bring it in

And some parts of the ocean it is yeah, and some governments are like short go do it Okay, and there's jam packed with boats from all over the world Fishermen, you know and sometimes their nets get caught up or break a rip You know and sometimes their nests get caught up or break a rip It's not that they see and the whales swim by mind his business caught in some some you know some fish get caught Oh sea turtles, you know, so there's lots of things that happen with ghosts and that's not Not feasible for the ecosystem underwater, you know, got you used to be left out dangling Yeah, and it's catching whatever it wants kill whatever it wants right every swim with a shark The fascist messed up. Yeah, and it's catching whatever it wants killing everyone. Brian. Have you ever swam with a shark?

Do you want to would you I think I have a scuba dive, but it was like the nice one that wasn't gonna bite you Why yeah, that's true. That was why Terry is a one ocean diving all about like shock research and Ocean stuff if you're into that marine world, you know, but it's a real cool project. I've been following along online for probably five, six years now and just seeing the work they do every day is just magical. How they swim with sharks, they're taking hooks out, you

know, they're changing laws. They're passing. The sharks are cool with them touching them to get it out? Yeah, these people they study shark behavior But you know but going going up to that I got a lot of teachers that teach me how to hang out sharks I'm just don't go like pick a random shark and my skater sharks now absolutely not swimming all the time Bahamas Tiger Beach Tiger sharks in Hawaii whale sharks in Mexico jumping black-tip reef sharks and Crocodiles this one this is one this is one

This is just one. Lamb and crocodiles? Yeah, bro, right in Banco Chinchurro It's about it E-A-N-C-O-C-H-I-N-C-R-U-R-R-O. Banco, J'njudo. I can't verify that. Yeah, I can't.

Check it. Give me my car facts. But yeah, it's an atoll. There's Belize in Mexico. And if you swim out, not swim out, well if you boat out, there's like a little Mexico and if you swim out, not swim out, but if you boat out, there's a little mangrove patch and these guys live on these little small huts right on the reef and then they drop. So all of this is in the

ocean and they catch lobsters, they hunt lobsters, they got lobster traps and they bring the lobsters back to the mainland. It's helped. It's been business for like 70 years but on that lobster patch, it's like 400 crocodiles. Freshwater crocodiles. People don't think that there's crocodiles in America, they just think there's alligators, but there's also American crocodiles. And they live in Florida, they do live in Mexico, all the way down in Costa Rica, Belize. Have you come across a nice one? Oh yeah, for sure. Yeah, actually those are probably the more mellow of the crocodilians. There's Cuban crocs that are just wicked.

There's now crocodiles, there's all Australian saltwater crocodiles. There's all types of crocodiles, you know, but American crocodiles are probably, I would say some of the easiest to, I still eat you, but we've seen a few people with their crocodiles, but yeah, they share the same water with sharks sometimes too in that area. Brian Goldstein, last question. We are going into 2024 a year filled with chaos, being an election year and a lot of media hype. How can people stay calm in the chaos? Disconnect from social media. I've limited, like I run two phones now.

I only have my real phone, no social media, no apps. My other phone, I lose half the day. And I've went from like eight hours of scrolling the gram to 45 minutes. Let the VA's do their job, let the editors do their job and just limit it. Like even if you're uploading content daily, how much shit can you do in an hour if you're not surfing Instagram and separate and go read books, go listen to podcasts, go learn,

go to masterminds and really elevate yourself to get through 2024 and really look at what's the next 20 years look like for you. All right guys, you were listening to Brian Goldstein on Instagram. It's Brian Gold, PhD. Yes, sir. Brian Gold, PhD. We're also here with the real Tarzan with two ends. It's important for you guys to have these discussions about money with your friends,

family, follower, and co-workers. As you noticed, we don't have ads here. I mean, at some point maybe we'll do endorsement deals or a sponsorship deal, maybe, but we're not sitting here reading ads for you guys. We wanna keep these episodes as clean and fast and efficient at 40 minutes for you as possible, unless some huge company bribes us some massive amount of money.

We've been turning down ads to date after a full year, even being the number one entrepreneur podcast for 43 out of the 52 weeks. We are here for you guys to make this a clean, straightforward podcast, but with that, there is a cost, and the cost, the fee is for you to share us. We need you to keep sharing it.

We need people to have these discussions. So like and comment and subscribe and sharing. When you see the cool video clips, you're gonna see a bunch of cool clips of Brian Goldstein this week, for example. Share those clips with your friends, repost them on your social media. All of that helps us to spread the word, spread the discussions about money, because that

is what is ultimately very important to us. Visit us on themoneymondays.com. Every Monday at 4pm we do a live Zoom call with experts like Brian Goldstein, Tarzan, myself, etc. We go on there and teach and do live Q&A sessions. You can ask us questions. Pop up and Zoom with us live. Every Monday at 4 o'clock on themoneymondays.com's calm and ultimately we will see you guys next Monday right here on the money

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