The School of Greatness - How To Kill Your Limiting MONEY Beliefs To Unlock Abundance | Mark Matson

Episode Date: October 2, 2024

In this episode, I sit down with Mark Matson, founder and CEO of Matson Money and author of "Experiencing the American Dream." Mark shares his decades of research on the neuroscience of investing and ...how our brains are NOT wired for smart financial decisions. We dive deep into the psychological "screens" and "money demons" that hold us back from abundant, wealthy lifestyles and living our dreams. Mark offers a refreshing perspective on how to approach investing using science and data rather than emotions. Whether you're just starting out or looking to take your finances to the next level, this conversation will change how you think about money and the American Dream.Grab a copy of Mark’s new book, Experiencing The American DreamIN THIS EPISODE YOU WILL LEARN:How to shift from a scarcity mindset to an abundance mindset around moneyHow to identify and overcome your "money demons" that sabotage financial successWhy our brains are not naturally wired for smart investing decisionsThe power of having a strong purpose beyond just making moneyKey principles for building a globally diversified investment portfolioFor more information go to https://www.lewishowes.com/1675For more Greatness text PODCAST to +1 (614) 350-3960More SOG episodes we think you’ll love:More SOG episodes we think you’ll love:Codie Sanchez: https://link.chtbl.com/1656-podVivian Tu: https://link.chtbl.com/1551-podGeorge Kamel: https://link.chtbl.com/1568-pod

Transcript
Discussion (0)
Starting point is 00:00:00 The reality is that those are all flawed methodologies of investing because they're based on prediction of the future. Wow. And when you think about that, that's really insane because number one, no one can predict the future. The best investment you can make is in yourself, not your portfolio. And that's the way I see the American dream. Mark is the founder and CEO of Mattson Money and the author of this book, Experiencing the American Dream. Mark Mattson, thank you so much, sir, for being here. Money doesn't work like that. It's got tentacles, and it's like a thread
Starting point is 00:00:30 that goes through the carpet of your life. It touches everything. Wow, powerful man. These money demons, which we all have at various times in our life, they take us over. What questions should you ask your partner before getting married to make sure that you're at least setting yourself up on the right track?
Starting point is 00:00:48 One of the things is... Welcome back, everyone, to the School of Greatness. Very excited about our guest. We have the inspiring Mark Mattson in the house. Good to see you, sir. Good to be with you, brother. Another Ohio guy who is teaching people how to really understand the neuroscience behind investing and how to build wealth so you have your own American dream. You've got a book called Experiencing the American Dream, How to Invest Your Time, Energy, and Money to Create an
Starting point is 00:01:20 Extraordinary Life. And there's a few things I want to talk about really quick. One is you shared a quote off camera that said, our brains are not wired for investing. Our brains are not wired for investing. That's one thing you said. That's right. And I saw a quote online, a statistic online says, according to LendingTree, 64% of Americans are living paycheck to paycheck. Many people view money as a source of survival and struggle with a scarcity mindset. So what I'm curious about is you've done so much, three, four decades of research around the neuroscience of investing, but also the data and the facts of investing as well, and how not to use feelings when it comes to investing. But I'm curious when people are living in a
Starting point is 00:02:06 scarcity mindset, when they're in survival already, or 64% of Americans are paycheck to paycheck, and they can't think about the future beyond tomorrow, next week, this month. How can people start to shift out of a scarcity mindset into abundance thinking when they're just fight or flight survival mode daily? This is a great question. And I'm so glad you asked it early on in our time together. I was very lucky to have a dad that believed in the American dream. He built into me psychologically the ideals of the American dream. He gave me Thinking We're Rich when I was 10 years old and said, read this at least one time every year of your lives. But we came from the hills of West Virginia in the hollers. And my grandfather did not believe in the American dream. He worked in the coal mines. He worked in the factories, the chemical factories. He basically believed
Starting point is 00:03:01 that money was a source of evil. He believed people that had it were greedy. He believed he was entitled to money that he didn't create. And he always viewed it as anybody that had money was a crook. And my dad rejected that. My dad, by the time he was 10 years old, was an entrepreneur three times over. He sold newspapers. He sold cloverine salve to the miners where their hands were cracked. He signed shoes.
Starting point is 00:03:32 So he believed that if you created value for other people, that you would be rewarded with wealth and prosperity and that people that had money weren't crooks, but they actually were really hardworking and dedicated. And he loved this country and the values that it stood for. So the minds, every summer we'd go back to West Virginia and I'd see the people living in the poverty and they didn't have physical shackles. It was a mindset, I call it a screen by which they saw themselves as victims. Screen? I call it a screen by which they saw themselves as victims. Screen? A screen, a psychological screen made out of language, language that you're taught. And then there's the language or the screen of the American dream.
Starting point is 00:04:22 And most people do look at money as a form of survival. And that is largely in our DNA too. I mean, for thousands of years, people had a real hard time surviving. And so money and property was a form of survival. But now we live in a relative world of abundance and creativity. And if you can get that screen of the American dream, you can start to escape that terrible bonds that really imprison you almost in a world of scarcity. Two things here. One, can you explain what the screen is? Is it a framework of thinking and language around what money is?
Starting point is 00:04:55 Yes. So it's language. The way that people can think about it, sometimes you create that language on purpose. Like if I'm going to go be a doctor, I spend many, many years developing language around what a doctor is. So they see the human body as very different as someone who doesn't have that language. Well, we have all kinds of conversations in our lives about money, about the world, about how money works, how money is created, our place in the world and our relationship to money. money is created, our place in the world and our relationship to money. And money, ironically,
Starting point is 00:05:32 having a lot of money doesn't mean you're going to be happy. As a matter of fact, I've seen a lot of really, really wealthy people, tens, 20s, 30s, millions of dollars in history is rife with people like Elvis Presley, Marilyn Monroe, Howard Hughes, Prince, people with a lot of money, power, fame, but it didn't do them any good. It actually helped seal their fate in the end and became very destructive. And there's another thing that you mentioned just before this was, you know, there's kind of two different mindsets. Your grandfather, who worked in the coal mines, who worked really hard, it sounds like on a daily basis, but didn't understand how to create more value, whether in his coal mine or somewhere else, and therefore was given what he received, correct?
Starting point is 00:06:12 Yeah. Versus your dad, where it sounds like, how did your dad break that mindset from his father, who he saw probably miserable or unhappy in the mines and dirty every night and sick and coughing? How did he say, I want to change this without a model of someone showing him abundance? Well, that's great. And go back to my grandfather once. His screen was so strong. It was like they lived in two different worlds, two different dimensions of reality. His screen was so strong. When he was offered an opportunity to grow at Union Carbide, he was offered to be a foreman and have a crew underneath him. He told them no. Why?
Starting point is 00:06:54 Because he didn't want to be part of the machine. That's evil and bad. He didn't want to be evil and bad in his eyes. So he proved it to himself that he was doomed to be. I call these money demons. evil and bad in his eyes. So he proved it to himself that he was doomed to be our money. I call these money demons. These money demons, which we all have at various times in our life, they take us over and preclude us from doing things that could actually save us. So he never took that race. He never took that opportunity to save his family,
Starting point is 00:07:25 even when it was offered to him. And I've asked my dad, I said, what, how did you? I mean, this poverty, this abject poverty, they would cut the tops off of instant carnation milk cans and they would hammer it to the baseboards in their shack by the railroad so that the rats wouldn't come in their house in the wintertime. That's how much poverty my dad came from. He only had one pair of shoes a year right before school started, and then they were barefoot all summer long. I mean, this was true abject poverty. He said, I saw a couple examples of people that did have a little bit of money, and they were nice, and they helped me.
Starting point is 00:08:03 And I went to work for them. And I noticed that my dad was wrong, that people that had money weren't evil and they weren't bad and they were actually willing to help. And I had a couple of good teachers in school that taught me about that. But deep down, my dad had, and I don't know where he got it, he had a deep-seated belief in capitalism and entrepreneurism. Yeah. So you mentioned money demons. What are money demons? And do we all have them?
Starting point is 00:08:31 We all do to a greater or lesser extent. What is a money demon? So I'll give you an example. So when I started my company, I wanted to help a lot of people. We managed $11 billion for people all over North America, 500 advisors. But when I started, I only had three employees. And I had a demon belief. It's a belief created in language that then we don't realize that it's only just a screen.
Starting point is 00:08:58 We take it on as reality. And that reality was that employees suck. And they're too expensive. And when you hire them, they don't do a good job. And the other money demon I had was that I'm not a good manager and I don't know how to manage people. So I'll just do it myself. Now, money demons are so pervasive because when we have them, we make their self-fulfilling prophecies and we make them come true. And we don't look for opportunities that violate our screen. So I had to look at what I was getting
Starting point is 00:09:34 out of it. What was I getting out of that screen? Well, I got to play small, didn't have to hire people. I got to be self-righteous. I got to be condemning. You were right all the time. I'm right and righteous. Yeah, yeah. I got to gossip about other people, character assassinate. I got to be a victim. I mean, it was juicy psychological payoff. Right, right. But I also had to realize that if I couldn't change those screens about the world, that I was going to be doomed, never to fulfill my mission, which was to help more people stop speculating with their money and fulfill their American dream.
Starting point is 00:10:09 Wow. And then you have to do a cost-benefit analysis and say, okay, am I going to keep that demon belief because there is payoff? Yes. I can live a normal, ordinary life, not full of greatness, thorough set of the best, quiet desperation, or am I going to break that belief? And I actually call it due violence to the belief. Interesting. I have to actually kill it. Yes. I have to kill that belief. But the thing about money demons is when you kill them and have more money, they don't disappear. They often morph. How so? Well, so after I became successful, then I went through a divorce. And then I started eventually dating after some therapy and
Starting point is 00:10:52 counseling. And I started dating and I started getting one string of really painful relationships after another. And I developed a belief based on the divorce and dating that what, that I'm not really that attractive. I'm not really that sexy. I got a lot of money and that's what women really want from me. And so that I'll never really, you know, have someone I really truly love and really truly loves me. And then I had a, you know, string of dating examples that created that. And so I had to do of dating examples that created that. And so I had to do violence to that belief. So how does that look like? In your mind, how do you kill off the old limiting belief or the demons that keep you small or hold you back?
Starting point is 00:11:36 So you have to look at the benefits you're getting out of it. The benefits, and I know it doesn't seem like there are benefits, but there are benefits to being right and playing small and not taking risk in life. And being a victim. And being a victim of being the martyr, getting set in my own shit, if you would. What is the biggest benefit? What would you say
Starting point is 00:11:57 is the biggest benefit of being a victim? You don't have to take risk in life. Or responsibility. You don't have to be responsible for your own results in life. You get to blame others. Well, it's not me, it's the government, or it's not me, it's these employees, or it's not me, it's this girl, or this is not me, it's somebody else. I'm just fine the way I am. I don't have to change. I don't have to grow. I don't have to do anything. so it just takes you off the hook and lets you complain about other people behind every complaint is a demon belief
Starting point is 00:12:30 and so i've i eventually the way i did and then the second part of doing doing battle with it is to realize it's not true you just made it up there's no tablet that said employees suck from the mount right right i just made it up. There's no tablet that said employees suck from the mount. Right, right. I just made it up. So if I made it up, I can make up something else. And I can start looking for evidence that it's not true. Look, there's companies with 10,000, 20,000 employees. So it can't be that all employees are bad. Well, that's just silly. And I've known people about the money demon with the relationships.
Starting point is 00:13:07 I knew people that had great relationships where it wasn't about money. So that couldn't be true either. I need to slow down and actually take my time and find someone that's caring, loving, and kind. Right. Which was funny because then when I met Melissa, she had a money demon, which was guys that had money or jerks. So she saw that right away with you and it's like repelling you, right? Yeah. She almost didn't say yes to that date at Starbucks because she thought, oh, this guy's going to be- You must be a jerk. I must be a jerk. Yeah. I must be a total jerk. Interesting. So when you start to violently
Starting point is 00:13:42 kill this psychological belief of the old self, of like, okay, this old self, maybe there was some benefit here. It got me to this level, but it's not going to help me get to the next level in my life of freedom or peace or abundance, right? That's right. It got me these results, but it's not going to give me what I truly want next. That's right. It's going to fulfill the purpose of my life. Did you have a hangover after that for like months or years? Did it, would you, when you actualize it and started to kill off the
Starting point is 00:14:12 demon, was it like easy after that? How did you stay on track and not rebound? It's just, well, I did a lot of therapy. I did a lot of counseling. When I met Melissa, we did a lot of therapy and we did a lot of counseling together. You know, We did a lot of therapy and we did a lot of counseling together. You know, we both had been in relationships that hadn't worked. And so we were wounded and spent a lot of time working on each other and working with each other and ourselves. But being on the lookout for the new demons as they pop up. What's been a new demon for you as you let go of old demons? Oh, my gosh. As you create new levels of success
Starting point is 00:14:46 now there's new demons right yeah yeah so we had a house in montecito it got broke into and we had video that people breaking into and there were three of them and they had hoodies in there i'm thinking my gosh what if we were there and there's been a lot of break-ins where we live in paradise valley so the idea was we're going to buy a bigger house. And with the guard shack and the guards and protection. Full-time security. Yeah, security 24-7. And so we start looking and then, Melissa, we find this house that was way more than I wanted to pay.
Starting point is 00:15:18 But we – so long story short is I had had a couple of real estate deals that I didn't make money on, houses. And so I made a money nemen in my head that I'm bad at real estate. Because these things didn't work out. It's not going to work out for me. I bought a house for $6 million. I sold it for $4.5 million. So I'm bad at real estate. Right.
Starting point is 00:15:38 That stings. So obviously if I buy this new house, I'm going to be making another emotional mistake. So I was kind of being a jerk about it. The reality was I did want the new house, but I just wanted to listen to all the work and I just wanted to bitch and moan about it. Right. It's really, really nasty stuff. Wow. stuff. So I finally, when I was teaching a class from the book about money demons to my advisors, and in preparation for the class, I'm sitting in the parking lot thinking,
Starting point is 00:16:10 I got to teach money demons today. And I'm like, uh-uh, I'm right in the middle of one right now. Wow. And so I called Melissa on the phone. I was like, honey, I've been making you wrong. I've been a jerk about this whole thing. I haven't been helpful. I haven't been supportive. I know you've been doing a lot of work and all the house and, you know, with the, even the financing and even the furniture and the decorating. And I'm just, I want to apologize. I've been a real jerk around this whole thing. And, uh, and she goes, you're getting ready to teach a class, weren't you? Yes. You got to confront your demons when you're teaching others. That's right. You got to be the example, right?
Starting point is 00:16:47 She said, you know what? I accept your apology. I'm glad you saw it. She's like, you need to do more classes more frequently. Teach more frequently. That's right. How do we start to, in the book, which I love you talked about this because you advise how many different, I guess, advisors
Starting point is 00:17:05 would you say? Roughly 500. 500. And they're managing portfolios of what type of range? Oh, gosh. We try not to have a minimum because we want to help everybody, but there's portfolios up to 70, 80 million. Sure. Okay. But you have this part of the book, page 73, called The Destructive Cycle of Wealth. And you say, yes, it's cliche that money can't make you happy. Songs have been written about it. But why can't money make you happy? Shouldn't it make you a little bit happier if you suddenly stumble into, say, $100 million? You say the answer is no.
Starting point is 00:17:41 And it sounds counterintuitive, but I firmly believe that to be true. And if money isn't making us any happier, and most of us have much more than what we need, why do we work so hard to make more of it? Why do we spend so much of our lives thinking about money without even realizing it? We are stuck in the destructive cycle of wealth. And learning about this cycle can help you better understand some of your decisions about money. And you say it has five phases beginning with our most basic human needs. Can you talk about what this destructive cycle of wealth is, why it's important for us to understand it and what we can do to make sure we don't stay in it? Yeah. So when I realized that I had clients with a lot of money that were very unhappy, that was my next question. My dad, one of the key strategies in the book is to ask a good question. Yeah. And don't try to rush to get the answer. Take your time and really let it
Starting point is 00:18:38 work on you and your subconscious and really think about it. So it took me years to think about this and that the reason it can't make you happy is because it doesn't fill anything in your spiritual nature that can bring happiness. But it fulfills the survival nature, right? Yeah. So we all want things and we want things for our survival. That's instincts, food, clothing, shelter, love, that kind of stuff. And then we go out and we obtain things. And we obtain those things, most of us, but then we want more. Toyota even had that commercial, oh, what a feeling, you know, when you get to Toyota. So you don't just want a new car, you want a really nice car. You don't
Starting point is 00:19:19 want a new house, you want a really nice house. And then when you do get something, whether it's the computer or golf clubs or a purse or whatever it is, you have it for a while, you obtained it, you felt good about it for a little while, then you start comparing it to what everybody else has. I had a boat I bought in Florida when we had a house down there and it was a 37-footer, 300 Yamaha motors. I love that boat, had tons of fun on that boat. It was adventurous, really great. And then one day there was 180 foot yacht and their dinghy was bigger than my boat. And I'm like, this ain't no boat. I got to get me a bigger boat. Really? Yeah. And, but whether it's the size of your portfolio, the size of your house, you buy the perfect house, you think it's perfect. Then six months later, you're looking at the kitchen going, these cabinets really suck.
Starting point is 00:20:11 We really need to rip these out. It's just human nature. And then, so then it brings us around to comparing it to other things. Sometimes in technologies this way, they always come out with bigger, better, faster, cooler technology we want. And then it leads you back up to this top at wanting stuff. So it doesn't fulfill at a deep, meaningful purpose. And that leads you back to what you mentioned earlier, which is survival. It's about survival. So if I'm getting this right, we go through the cycle. And you know a lot of people who are mega millionaires, maybe even billionaires, who are unhappy still.
Starting point is 00:20:50 Yep. Would you say the majority of millionaires or billionaires are unhappy, the ones that you've been around or experienced? I don't know about the majority, but I do know there is no correlation. And I know it from my personal life too, because- Happiness and having money. Right. Because there's been times where I had a lot of money, was very unhappy, had no money, and was pretty happy.
Starting point is 00:21:13 But you also had a lot of money and been happy too. I would take the latter, the money and the happiness at the same time. Of course. That would be great. You've experienced that too. And I have. Yes. But if it's not the money, then what is it?
Starting point is 00:21:24 And what I've found is it's having a purpose in life that's greater than money itself. And if you think throughout history, the people that have changed the world, whether it's Ronald Reagan or whether it's Martin Luther King or whether it's JFK or whether it's Walt Disney, or the Wright Brothers. You think about these people that have changed the world. They've all had this deep purpose, sense of purpose and value in their life, so much so that they've even laid their life, Dr. Martin Luther King laid down his life for his purpose. And that's how strong purpose can be. And if you'll have a purpose first, And that's how strong purpose can be. And if you'll have a purpose first, then use it to create value for other people and align with their purpose. And then the more money you have, great, because then I can align how I use that money with my purpose in life. And I can do great things with my money.
Starting point is 00:22:23 That brings me joy and happiness and freedom and fulfillment with other people. But if I have the money without the purpose, it just becomes a burden. Really? It becomes empty. It's so empty. I need more money, more money, more money for what? It's an addiction of itself. So it sounds like the greater the purpose you have,
Starting point is 00:22:43 the more fulfilled you'll be with or without money. Absolutely. As a matter of fact, if you have a strong enough purpose, you don't even need money. You know, like Mother Teresa, saints. Well, because they feel taken care of by the community or they know they're going to be provided for. They're happy with whatever they receive each day. It's about their purpose in life. Look, you can live in America for
Starting point is 00:23:05 very little money. Even if you only have $40,000, $50,000 a year, you live better than the King of England did 500 years ago. You have chocolate, you have air conditioning, you have food, you have running water, you have healthcare. I mean, it's a miracle. Everybody should wake up every morning in America going, it's a miracle, it's a miracle. Everybody should wake up every morning in a miracle going, it's a miracle. It's a miracle. I can't believe I live here. Of course they don't. But it's a miracle that what we have.
Starting point is 00:23:33 And if you only have a little bit of money and you have a friend in the hospital, you can make a card with a crayon or a pen. You could go to the hospital. You could sit by them and hold their hand. And you could express your love and affection. And that's going to be more fulfilling than a Ferrari. I'm not anti-Ferrari. I got one.
Starting point is 00:23:53 It's partying for an hour, but it's not, you know, it's... I call them cookies and toys. So you got these toys, and they're fun. Okay, fine, great. I'm not saying that they're bad but they won't make me happy and then food it's anything you ingest that try to change your mood about yourself and feel better temporarily uh but they're not they're not permanent right this is powerful man i love this you know when you, and you mentioned early on that we,
Starting point is 00:24:26 people have these screens and just so I'm clear is a screen kind of like a framework. It's kind of like a framework of thinking towards money or towards life. Is that your definition of a screen? It is. It is. It's a model, a model, a way of thinking. It's a mental model that you have that you, here's the critical part that you don't know you have because it just appears like the truth and not something that you just made up, a story. Yeah, something happened. I lost money on a house, but I have a degree in finance and accounting. I'm bad at real estate? Really?
Starting point is 00:25:01 That's just being a wimp. All right. at real estate, really? That's just being a wimp. So it's the story that I make up about whatever. And a lot of it's money, relationships with money. And it all comes down to, when I run these exercises with people, first you make a list of your complaints. What's all your complaints about money? And then what demon belief or relationship do you have based on that complaint? And then where did it come from? What happened when you were eight years old, the first time you heard your mom and dad yelling about money, that gave you that story that you have about what money is? Because something did happen, but then what you made it mean is not what is just a story you made
Starting point is 00:25:48 up and you can start to do battle with those and and start to untangle them over time and then it's kind of like the demon and it it morphs into other things it's not that it only dies for like hides for 17 years then it comes out as something something else, and it changes usually into what your greatest fear is. that caused a belief within your screen that I guess you made decisions based on for many years until you became aware of it and killed it off. What would that look like for you? If you give one example of your daddy or grandpa or whatever that might be. Yeah. So there's screens. Money is, people like to try to compartmentalize things in their brain like, oh, this is money. This is my relationships. This is my life. This is my whatever.
Starting point is 00:26:48 But money doesn't work like that. It's got tentacles. And it's like a thread that goes through the carpet of your life. And it touches everything. So when I have a money demon, I also usually have a relationship demon. When I went through divorce, I thought, okay, you're going to lose half of all your stuff now, including your company that you built. So that was less than ideal. That was a money demon. But I also had another money demon or relationship demon related to that is that I
Starting point is 00:27:20 had grown up most of my life as an atheist and took classes in college about how there's no God and all this garbage. And so then when I went through the divorce, I mean, I was gutted. I mean, it was dark. I'm a bad father. I wasn't seeing my kids. I'm going to lose my company. It's going to be like, this is going to be the worst thing ever in my life. I got depressed. And then I was talking to a buddy on the phone. So I lived in a world, a screen, because there is no God. And I'm talking to a buddy of mine, and he's probably crying. He's like, well, are you ready? I said, ready for what?
Starting point is 00:27:58 He said, are you ready to admit there's a God and it's not you? Oh. And I'm like, yeah, I am. Or you could have said, see, there is no God because I'm divorced, half my money's gone, my business is gone, my kids don't like me, right? You could have also gone and stayed in that belief. Yeah, I could have just stayed there and— If there was a God, why would he let this happen to me, right?
Starting point is 00:28:20 Well, I knew because I was a sinner and I didn't believe in God. Right, right. Yeah. Right? Well, I knew because I was a sinner and I didn't believe in God. Right, right. But you know what? All of the – and the screen sometimes can change slow or sometimes it can go fast.
Starting point is 00:28:35 But I knew instantly I could not live in a world without a God anymore. Wow. I just – it was empty. It was devoid and it was hopeless. And I didn't have any doubts or questions. All the intellectual gymnastics I had been doing my whole life went away. And he said, get on your knees and let's pray. And I was in that hotel room and started praying, and I went from a screen, a world of no God, to a world of God.
Starting point is 00:28:57 And that's made all the difference, kind of like the master screen that fits into the other screens. Wow. But screens are powerful. And people will literally die to keep their screens like my grandpa did. He died. He died. He came to visit us only one time at our house in Cincinnati.
Starting point is 00:29:15 It was August. It was a cool for August. He walked in the front door. We had about maybe like an 1,800-foot square house. It wasn't huge. He said, how many – he looked at my dad in front of his whole family. He said, how many people did you have to rip off to get this out of?
Starting point is 00:29:28 Oh my gosh. That was his first thing. That was the first thing out of his mouth. Jeez. His screen, his framework, his mindset, when he saw something, he said, you did something wrong to get this. Yep.
Starting point is 00:29:43 There's no way you could have done something good to be able to afford something like this. Man. And I know my dad wanted to be proud of him. That's tough. And right in front of his whole family. And he said, George Miller, Mary Lou and I, we're in our own business.
Starting point is 00:29:56 We work really hard. We try to build a good family for our, have a good house for our family and a nice home. And he said, well, you can tell yourself whatever you want that'll let you sleep. Oh, my gosh. He said, but all I see is a big shot. You think you're better than me? And it got really heated after that for about five minutes.
Starting point is 00:30:17 He left. He never came back. And three months later, he was dead in his little teeny shack he lived at in West Virginia. How old were you during that time? About 13. Wow. I mean, that's a memory that is still alive in you today. I'll never forget that day.
Starting point is 00:30:33 47, 48 years ago, right? That was a memory that your grandfather had with your father and your family. What psychological screen did you create in that moment that stuck with you, that benefited you, and one that didn't benefit you? Yeah. Well. Because money, essentially, your dad tried to break a model of his father's to do something good, but it hurt the relationship with his father.
Starting point is 00:31:03 That's right. It caused him, maybe you could think it caused him to die. Maybe not, but it could be like, it was so bad that he died alone because he had no family and he didn't want to be around me, whatever he made up in his mind. So what was the benefit from you in seeing that experience versus a negative benefit? The benefit in that was that dad stood up for his family. Wow, that's powerful. And stood up to his values and what he believed about America
Starting point is 00:31:32 and about freedom and about entrepreneurship and about helping other people and never expecting anything free or that you're, you didn't earn. And that always stuck with me on, on the other hand, when I will, when I was a kid,
Starting point is 00:31:52 I did go through some stuff, you know, I, I had trouble studying in school and trouble reading. So I made up, I'm stupid. And, you know,
Starting point is 00:32:01 I'd ask a girl to the dance and she wouldn't say no, you know, and I think, Oh, I'm not handsome enough or I didn't get to be the captain on the football team. And so I started like, I'm dumb. I'm not handsome. I'm not attractive. I'm not man enough. And that was early on. That was like eighth grade and I got bullied in school. And so I had all these in my strategy. I heard your podcast with Pivot. My strategy was not unlike yours, which was to win at all costs. Whatever I was going to do, if it's going to be sports, if it's going to be grades, if it's going to be drama club, if it's going to be whatever, I got to have the lead role. I got to be the captain. I got to win state championship in discus. I mean, I got to do all this or I'm not worth anything. And it got me through a little bit in life, but it ultimately would be a failed strategy.
Starting point is 00:32:48 Right. Exactly. And you mentioned beforehand that you were your first marriage, you married for 16 years, roughly 16. And now you've been married in your second marriage, hopefully your last for 16 years. What would you say are the lessons from your first marriage to your second marriage about yourself?
Starting point is 00:33:08 What is different within you to make this more harmonious than the first marriage? Oh, my God. Not about the other person, but within you. Right, right, right. Well, oh, boy. And part two of that, what money lessons did you learn that you would have applied to the first marriage before getting married? Yeah, well, I think for me early on in the first marriage was it just wasn't a loving, caring relationship. And that's on me. I picked out a relationship that wasn't loving and
Starting point is 00:33:45 caring and healthy. And even from the very beginning, there were lots of, there were a lot of fighting and a lot of, you know, oddly enough, jealousy and a lot of difference in values in the world. And so it was, the whole thing was just, I'm surprised it lasted as long as it did actually. But the second time I took the time after I went through the divorce and I went through the depression because of the kids and the business and all the other things I was going through, I took time to actually work on me. To heal. And heal instead of just trying to, not that I didn't try to rush into relationships, I did, but that was failed too.
Starting point is 00:34:27 So finally I was working with my therapist. I'm like, okay, what now? And she goes, so you'll get a kick out of this. So we created a project. It was called, my therapist said, you're a genius in business, but you're like an idiot savant. Because when it comes to relationships, you are so bad.
Starting point is 00:34:45 And so why don't you come back next week and come up with the strategy like you do in business? So I came back and I said, okay, 10 friends project. She goes, what's 10 friends? I said, well, what I do is I meet 10 women and just be friends and nothing more than friends. women and just be friends and nothing more than friends. And then after that, I'll learn something about relationships and about friendships, and then we'll see what happens after that. So she said, I think that's a pretty good plan. So I'd go out and I'd tell the girl. You're not going to be friends. You're number one. This is going to be platonic. We're going to be friends, and that's it. And they go, oh, really? When are you going to get done with all 10?
Starting point is 00:35:25 I'm like, I don't know. It was a weird situation. How long did it take? Probably three or four months. I love that though. And then it was just friends. And then finally, number seven, who owned a salon shop said, I think she wanted to be number 10. She was number seven.
Starting point is 00:35:43 She said, well, I'll introduce you to she was number seven she said well i'll introduce you to a bunch of other girls and then we'll get you through and then maybe you could come back to me so she introduced me to my wife really let's say yeah melissa was number 10 really she was yeah that's interesting she was intended for women you just hung out with them as friends went on casual dates yeah you know it's friend dates i guess yeah activities or whatever and you said i'm not there's not gonna be anything more than this yep until i meet 10 different women and just have conversation hang out interesting and in between there's a lot of child therapy childhood therapy stuff sure other healing sure along the way wow so what did you
Starting point is 00:36:21 learn about money the second time you got married? Oh, well, the second... Because you had made money on your own, then you got married, you made a ton of money, then you got divorced, lost money, made money, then you got married again. So what did you learn about your money wounds or money and being in a relationship on how to make it work? Yeah. It was so counterintuitive to me because I thought that the money was the only thing that would make it work prior. And I actually wrote out a vision statement about the kind of woman that I wanted to meet. You know, funny, athletic, caring, kind, not driven by money. And I remember when I met Melissa, you know,
Starting point is 00:37:08 we would go out and she goes, I almost didn't go out with you because you have a little bit of money. And, you know, I was really afraid of that. And, you know, anybody that went out with that money had this. And, you know, I want you to know that I don't need a lot of money and I don't even want your money. And I don't want, you know. I'm taking care of my family and I'm taking care of my kids. So it was really completely different than what I had experienced in the past. But she really, really didn't care about the money at all. And that's the way she is today too. Um, and, and that's the way she is today too. Um, and finding someone that once,
Starting point is 00:37:52 when I found someone that really wanted to be in a relationship with me because of my life experiences and what I've been through and then being able to share that and then going to therapy and counseling together and sharing all that together. Um, that was really great. It was really great. And yeah, we still had conflict about money here and there, but it wasn't from a place of she was wanting just the money. She really, really loved the relationship. That's beautiful. What would you say are some things people should talk about before getting married about money conversations? What questions should you ask your partner before getting married to make sure that you're at least setting yourself up on the right track of a healthy, successful marriage?
Starting point is 00:38:34 One of the things is, I think both people would want to define what their purpose for money is. And then make sure that those are synergistic and they work together. Give me an example of what maybe yours was during that time. Mine was love, to create love in the world. And hers was family, love close second. So they were very synergistic. They worked really well together. She had a belief that her value as a human being was determined on her working. And that if she wasn't working, that she wouldn't have any value. Interesting. And that was something we had to work through because I wanted to be able to travel.
Starting point is 00:39:30 I wanted to be able to do things with the kids. I wanted to be able – but she – her job, she was a physical therapist and went from – the home physical therapy. But she couldn't take time off. Without thinking she's not valuable anymore. Well, she would lose her job if she wanted – if she took as much time as I wanted to take Well, she would lose her job if she took as much time as I wanted to take off. She would lose her job. And if she wasn't working, she was thinking, I'm not valuable.
Starting point is 00:39:51 I'm not valuable. Interesting. And so that was kind of a money demon we had to work through. Now, I guess she might think I'm not valuable for myself, but also the fear could be, well, if I'm not working, he met me when I was working and providing for myself and independent. That's what turned him on potentially.
Starting point is 00:40:09 So if I'm not doing that, will he still be turned on? Yeah. And what if I turned out being like her last husband and then left her and then she'd given up her job. Right. And then she has three kids to take care of. Again, that fear. So that fear of being left, being abandoned.
Starting point is 00:40:27 And then what would she have? I mean, it's a real fear though, right? It's a real fear. So she has to have a lot of trust in you that, okay, I'm going to leave my job and you're not going to leave me. Yeah. How does a woman trust a man in that position who's already been divorced and been wounded, who's already been abandoned, who wants to make sure that doesn't happen again, who wants to provide for their family? How does a woman trust and have faith? What can she say to the man to feel safe? I think it's a – well, it was another interesting thing.
Starting point is 00:41:06 So her ex-husband had told her that, and this just gutted me when I heard it the first time, had told her that because she had three kids that no one would ever want her. Talk about a gut punch. I mean, that was just...
Starting point is 00:41:22 The first day we went to Starbucks and had our first date together, we talked for like three hours. Just as friends. Yeah. Yeah, yeah. Just as friends for the first – Yeah, yeah. And that made me so mad.
Starting point is 00:41:36 And I don't know why because I never really thought about getting divorced. Maybe it was subconscious. But even from the time I was in college, I thought if I did ever marry somebody that had kids i would love their kids the same way that i love them and i would never let that be an obstacle to having a relationship wow so when when he was manipulating her like that and trying to control her and just making her feel bad and really depressed about the whole thing it really really made me mad wow um but that was another one of her money demons was that, you know, she had kids and no guy was going to want to take that on. So how did she learn to let go of that and trust you and have faith?
Starting point is 00:42:12 I think it was just tons of time and therapy and counseling and just lots of, lots and lots of discussions about things. And probably your actions matching your words consistently for her, right? Most of our therapy had to do around the kids. I'm sure. probably your work your actions matching your words consistently for her right most most of our therapy had to do around the kids i'm sure this kid's doing this that parent's doing this this kid needs that and this this kid needs that and then working through all of those working through all of those we had a therapist once time tell us you know three years to get it all really aligned up and make us feel like one family. I was like, 10 years maybe?
Starting point is 00:42:47 10 years, yeah. It takes a long time when you have that many players involved. No, but also when you got divorced, I'm assuming it affected your financial situation or your business. You had to either split or give up a large portion, I'm assuming. Unless I'm wrong, let me know. But how did you manage that money demon of, man, I worked so hard for this and now I've got to give up half or whenever it was.
Starting point is 00:43:11 Yeah. How did you overcome that? And how did you, instead of being a victim to that situation, how did you start to shift and say, and use it for good that screen? Well, once I kind of came out of the sadness and some of the grief part of it, I was like, okay, now what am I going to do to make this mess into a message? And we had a negotiator that helped negotiate the divorce, the mediator, and part of the mediation was,
Starting point is 00:43:44 look, this is my company. I built this company. The income you're getting, the divorce, the mediator. And part of the mediation was, look, this is my company. I built this company. The income you're getting, the benefits, the money, everything you're getting is because I'm keeping this company running. And without me, there is no company. So I'm not going to let you double dip. I'm not going to give you half of the company and half of all the other stuff in addition. Right. Because you could just stop running the company and half of all the other stuff in addition. Right. Because you could just stop running the company. I'll stop running the company and I'll run it into a ditch. Yeah, yeah. And then I'm not very great at negotiating.
Starting point is 00:44:13 But I was firm on that. But you're getting a really great deal. You're going to get going with your life. You've got lots of great resources to go on and be happy. Do your own deal. But I'm not giving you my company. Um, and that was, and I kept the company, uh, intact. Um, that was in retrospect, that was really, really good. But you gave up a lot of your other, or you gave a lot of your other assets and
Starting point is 00:44:38 cash and yeah. Yeah. How did that make you feel though? That screen, did you say, you know what, this is creating freedom and peace for me and I'm okay with this? I just felt like it was worth it. Yeah. I was like, whatever it's going to take to get through this and move on with my life, it's just worth it. Now, going through a divorce one time, did you have these conversations with your current wife before you got married about like, hey, is there prenuptial agreement conversations? How do you navigate that when one person's been wounded from a previous relationship and been told you're never going to meet anyone again and has to work full time now? And you got wounded by your own stuff.
Starting point is 00:45:21 How did that money conversation happen beyond what sounds like a money values conversation, which you had, which is what was your purpose for money in life? Yeah. How did you get clear on that? She made it real easy. She said, I don't want your money. She said, I just want you. And I'm like, wow, that sounds great.
Starting point is 00:45:42 But we put stuff in like that. Well, we would keep things separate for a little while. That sounds great. But we put stuff in like that. Well, we would keep things separate for a little while. But then if we start putting real estate in her name and different assets in her name and different stuff like that. So it took a little bit, but now she's fully invested. She's fully invested. And there was no prenuptial agreement or anything? There was initially. But then you're, yeah.
Starting point is 00:46:05 Once everything's going so well. Yeah, I was 17 years in, so. Yeah, it doesn't matter anymore. Yeah. That's great. Interesting. What advice do you have for people who are in their early 20s who don't maybe have a ton of money yet, who are looking to get married? When you become a completely different person in your 30s and 40s, it sounds like.
Starting point is 00:46:29 What conversations should they have around money before marriage in their early 20s? Gosh, that's such a hard one. I didn't have, in my 20s, didn't have any money. I mean, I think the conversation is, couldn't we be happy without money? Because things are just going to be hard. I think I only made like $20,000 my first year. hard. I think I only made like $20,000 my first year. And the first condo I bought was $40,000 and it was a thousand square foot condo. I mean, it was- The Cincinnati? Yeah. I mean, I just didn't, I just didn't have much and expect things to take. I think so many
Starting point is 00:47:02 kids in their 20s today, I think, not everybody, but kids in their twenties today, I think not, not everybody, but they want to start at the top. They think they can get on Instagram, being an influencer, get on Tik TOK, do this and that. And you will be making, you know, fat stacks and be worth a million bucks and very quick trip. But my, my experience in life, isn't that my experience is digging it out, grunting, you know, working 70-hour work weeks sometimes, working on the weekends, even now to promote the book. I'm just all over the place working
Starting point is 00:47:30 like crazy. It's never been easy. It's been fun. It's been challenging. It's been awesome. It's been fulfilling, but it's never been easy and it's never been fast. And I always tell my kids, look, I'll give you a shot at working in the company, but you've got to be the best employee here because if you're not, your name's on the building. You're going to come to kick you out of here. Wow. And I've done that. Really? Oh, yeah.
Starting point is 00:47:55 Did you have kids come work with you that just slacked off or felt entitled or didn't do the hard work? Yep. Just didn't work and had to part ways. And there's no regrets now when we know it all went the right way for everybody. But I tell my kids today, if I had to start over and I had no money, I'd go to work for somebody. And if I had to, I'd take the lowest job in the company. And I would work my rear end off. And I would prove my worth. And then the boss
Starting point is 00:48:27 would see me in there before everybody. They'd see me leave after everybody. They'd see me take on responsibilities that people didn't tell me to take on. I would always be asking my boss about what can I learn to expand myself. And I would outwork every single person at that company and take every advantage I could get and prove my worth. And if I had to start, there's a chapter, it's on whispers. It says, if you have nothing, great, start with nothing. But don't expect to get it overnight. Right.
Starting point is 00:48:56 Because if you're expecting to get it overnight, you're going to be sadly disappointed. My dad told me a story. He said, look, you know, there's a king and he sends all these wise men out to the world he says bring me back all the wisdom and he brings back a whole library like the 4 000 books and he goes too much i can't read it i'll cut it down then they come back 10 years later with 500 books he said too much bring cut it down comes back with one book he says too much cut it down they come back with one sentence the one sentence is, there ain't no free lunch. And you're not going to get something for nothing. You're going to have to pour your soul and your passion into something and prove that you're better than the next guy.
Starting point is 00:49:36 And if you don't want to work for somebody, then work for yourself and be an entrepreneur, which is, I think, the highest expression of being in the American dream. And people misunderstand entrepreneurs. They think they do it because of greed. And even Adam Smith made that mistake in his writings. And I know a lot of entrepreneurs and they don't do it because of the money. They do it because it's an expression of who they are. It's like an artist would create on a canvas. An entrepreneur creates their company through a self-expression of creativity that serves others in the forms of products and services. But the most successful ones are not the ones that are doing it for cash. They're doing it to make the world a better place and to express who they are as a human being. I read of that. Wow. What is the American dream in your mind?
Starting point is 00:50:26 The American dream is a way you see the world that you're willing to take a stand for and that you want to see for your family and you want to build into your family. And it's investing your... That's why my publishers were like, well, this is an investing book. I'm like, no. It goes, well, it's a personal development book. I said, no. They said, well, what the heck is it? I said, it's a type of a memoir, so you can learn from the storyline, but it's a personal development book and it's an investing book. That's why it's investing your time and your energy and your money. And the best investment you can make is in yourself, not your portfolio. If you'll invest in yourself first, yeah, there's a lot of science about investing. There's a lot of brain stuff
Starting point is 00:51:18 you got to learn about investing, but you're the greatest investment you're going to make. And that's the way I see the American dream. Investing in yourself, challenging yourself, asking profound questions, focusing on your purpose. And when people say, well, how do I create my American dream? The easiest way for you to create your American dream is to help other people create theirs. Was that Jim Rohn maybe said that or something like that? Or Zig Ziglar said, if you want to achieve your goals, help everyone else achieve theirs. I'm sure I that Jim Rohn maybe said that or something like that? Or Zig Ziglar said, if you want to achieve your goals, help everyone else achieve theirs. I'm sure I ripped it off
Starting point is 00:51:48 from somebody. You've got a lot of references to thinking, grow rich in here. I do. Which I love that book and just kind of the whole idea of really creating that mission and that purpose for yourself and seeing that and visualizing it over and over again. Um, you know, after 61 years of life, a lot of ups and downs and a ton of financial success and now family and relational success and health as well. What is the best investment that you have yet to make in yourself? Have yet to make, um, you, you've got a lot of things. You've got the family. You've got the book. You've got the things in motion. But at this season of life, how can you pour back into you to keep investing in you? I think I should take some time off. I think I should take a little bit more time to rest and relax and meditate. I like to increase my
Starting point is 00:52:47 spirituality and my faith. That's something I'm focusing more on now than I ever have before. But I think, and with so many kids and with so many things going on, I think more time with Melissa, just time together to share time. I think that's important. So some rest, some meditation, spirituality, a little bit more time with Melissa because I'm hitting it on all cylinders on most of the other stuff. What would it take from you to take those actions. And for the next six months, really invest in what you're saying. I think I need to go home, like, right down on the plane and talk to Melissa and say, let's just look at the next six months and set this out. Because I know she's a big fan of doing it too.
Starting point is 00:53:35 So sitting down with her and making a whole game plan out. Yeah. I'm going to text you to see how it goes this weekend. All right. You see, by this weekend, I want to see the game plan. You're on. For six months. I love it.
Starting point is 00:53:46 Of how you're going to say no to more things so you can say yes to you and time with her. That's what I want to do. And rest and fitness and all these things. Because you had a heart surgery a year and a half ago. I did. And then you launched a book and you're launching all these other things and building the business. Right? Yeah.
Starting point is 00:54:03 You don't need more of these things. No. And I was dead for 16 minutes. People ask me, did you see anything? I'm like, oh, I wish I did. That would be a great book, wouldn't it? Yeah, yeah, yeah. Heaven in 16 minutes, you know. Nothing to report.
Starting point is 00:54:19 Must not have been my time. Nothing, no. Nope. No visions. You didn't see yourself or anything, not in your body. But I'll take you on. I'll get your phone number, get your text message. I'll even come back within six months and give you a full report. There you go. That's interesting.
Starting point is 00:54:34 Well, I think, you know, for me, you know, I've had a lot of, you know, tons of billionaires on this show and mega millionaires and people with exited huge companies and top sports stars and all these different things where people have accomplished a lot, right? Create a lot of value in the world, achieve their dreams, been number one in what they do, top scientists, all these different things. But I think with someone who's created so much at this season of life, that's why I asked that question. You said the best investment is in yourself. So I wanted to throw it back at you and see how could this have value to you to reflect in the middle of it all book launch and all the things you're trying to create still, but how could you pour into you that you haven't done yet? And it seems like for the last 40 years, you've been running on multiple cylinders, uh, of achievement, success, family, kids, blinded family.
Starting point is 00:55:25 Like it's just been nonstop. It has. And so I think that's a great time to invest in. Yeah. I'm not saying you have to stop everything, but more time, more scheduled time for you guys. I think that is great. I know we just met each other, but it sounds like great insight from a friend.
Starting point is 00:55:43 For sure. Yeah. I really appreciate that. Yeah, of course. Well, something I've taken away so far from you is whether you're just starting out at some company or you're in your 20s or you're restarting in your 30s or 40s or whatever it might be, and you have these limiting beliefs or these demon beliefs, whether it be around money or relationships or your health or whatever it might be, and you don't think you have value to add to anyone. What you can do is work really hard. You can also add a lot of value by listening to people. And when you listen to someone,
Starting point is 00:56:16 I could have no other skills. I could have no platform or audience or money or nothing. But if I can listen to someone and pay attention to what they're saying and what they're not saying, if I can just be present to your energy and hear you, okay, the best thing you can do is invest more into you. And then just reflect the question back to you, what do you need to invest in yourself? It's a great way to add value to anyone,
Starting point is 00:56:42 whether you think you have value or not, whether you're a billionaire or broke. If you can be present and listen to people and reflect back what they need and be of service with a question, you could change someone's life. And I'm not saying this about me. I'm just saying this about, this is something I like to do. It's brilliant. And I think anyone can do it. I don't need to be an investment guru to do that. I don't need to be the world's number one athlete. I don't need to have a billion dollars to be present and listen.
Starting point is 00:57:12 And just see what I can reflect back for someone to be of service to them. And hopefully that adds value. We'll see the next six months. Yes, we will. We're going to do that. But I think a lot of people, like you said, doubt their abilities, doubt themselves. They have these demons that hold them back,
Starting point is 00:57:30 that keep them playing small, in whatever area of life they're in. But if you can be willing to do everything you said, like I'm going to show up early, leave late to situations, I'm going to take on things that were not required of me. I'm going to have a positive attitude the whole time. I'm going to do whatever it takes, and I'm going to be a great listener. I think you can add a lot of value in the world.
Starting point is 00:57:58 You don't need to be talented, but you can do those things. I agree. Yeah. 100%. Yeah. I have a couple of final questions for you. This has been really fascinating. We haven't really talked about like investing at all, you know, right. And that's part of the book. That's a third of the book. This is what you do. You teach, you teach people how to make, um, you know, you know, scientific investment decisions without emotion, essentially, by using data, human behavior, and science to win over the long term. How can people, I mean, you have a whole book about this, but if people aren't, you know, able to dive into it just yet, and you are saying, okay, here's my investing philosophy over the last 30 plus years with all
Starting point is 00:58:50 the research and the science that we've had and the Nobel prize winners that have been researching this and all these different things, here is the investment philosophy in 2025 and beyond. What would you say that is for people? So just like there's screens in money and relationship, there's screens in investing. And most people operate out of a screen called investor prediction syndrome, where they feel like they need a prediction about the future to be successful. So that leads them to want to ask questions like, what are the best stocks and when do I get into them? What's the market going to do? What are the economic or political things that are going to happen?
Starting point is 00:59:33 Therefore dictating when I should get in and out of the market. Or who were the greatest managers in the past and I should give them my money and they'll continue to beat the market moving forward. But the reality is that those are all flawed methodologies of investing because they're based on prediction of the future. And when you think about that, that's really insane because number one, no one can predict the future. And if they could tell you exactly what stocks were going to be the best stocks, they wouldn't tell you.
Starting point is 01:00:04 They keep all that information for themselves. And all the knowable and predictable information about the future is already factored into the price today. Therefore, only unknowable and unpredictable information are going to change the prices going forward. That means stock picking, market timing, and track record investing are all forms of gambling and speculating with your money. So number one is don't speculate with your money. I'm not making a moral thing where if you can own DraftKings and drop 100 bucks on the weekend, that's up to you. But I'm saying if you're trying to invest for your American dream and you're going to need $2 million for your future,
Starting point is 01:00:47 then don't gamble and speculate. Right. The second thing is you want to use academic studies to then build your portfolio. And what academic studies tell us to do is to broadly diversify in over 100 countries so that we're not all in one country. Countries or companies? Countries. Countries. Yeah, countries.
Starting point is 01:01:12 Diversify your money in 100 countries. Yeah, all over the world. In their businesses? In their markets. Really? Yeah. In their markets, in their bonds, and build a globally diversified portfolio.
Starting point is 01:01:27 And then once you determine what your mix is, don't stock pick. So if I want to buy small U.S. stocks, I buy a structured fund or an index fund that will buy just that segment of the market. And I'm not going to be churning and burning and trying to predict and forecast. churning and burning and trying to predict and forecast. And then I'm going to rebalance. What that means is if I put half in equities and half in fixed income, and like in 1998, 2008, 2009, rather, the market crashed 50%. Well, now my stocks are way under allocated in my portfolio. I can tell you what most people do because I've been there. They don't call me up and say, hey, can you sell my fixed income and buy more stocks where they're on sale by 50%? That's when they shouldn't do that. And that's what they should do. So they need to force themselves. You said the thing about emotions. The problem with emotions
Starting point is 01:02:19 is they can't be controlled. They can be controlled for. And the way that they're controlled for is through a system, a control system, decision control system, usually by someone who's already demonstrated that they have that kind of discipline. These kind of things like AA or Gambler's Anonymous or that kind of stuff, those are decision control systems that keep people from doing addictive behavior. stuff. Those are decision control systems that keep people from doing addictive behavior. Well, the same thing goes for investing. You can actually work on a system within that's coaching and training you not to actually gamble with the money when you want to do it the worst. And then the other thing is no toxic investments. What does that mean?
Starting point is 01:02:59 Toxic investments would be like Bitcoin. There's no there to Bitcoin. You're not investing in a company. You don't get stock. You don't get intellectual property. You don't get bonds. You don't get real estate. There's nothing, literally nothing. The right price for Bitcoin is zero. There's no economic theory behind any value for Bitcoin. It's all gambling and speculating. Things like hedge funds. Hedge funds are pure gamble and speculation it costs you two percent of your money every year and then 20 of any of the gain and the hedge fund managers open up 20 different hedge funds knowing darn well that they don't know which one's going to get lucky but then the one that does get lucky that's the one they tell you is the best one but it's just
Starting point is 01:03:43 like flipping coins they they don't know which one's going to get lucky. That's why they need 20 of them. And if they actually knew how to make 40 or 50% a year, they wouldn't give it to you for two and 20. That's insane. Peer-to-peer lending, toxic investing, hedge funds, toxic investing, Bitcoin, toxic commodities in general, gold, terrible investment. Why is gold? I mean, there's a lot of people out there who are saying crypto and Bitcoin and decentralizing it so it's not the feds or the banks and no one's controlling it. You have more control and it's decentralized and blockchain, all that stuff. Gold is kind of the standard because when everything else goes down,
Starting point is 01:04:22 gold is going up. There's all these different experts out there that talk about the benefits of these things. So how is that not true? So I'll give you the skinny on gold. I'm going to do this one real quick. 5% rate of return with the same volatility as stocks. Stocks have a 10% rate of return, double the rate of return with no volatility. Plus, gold is high. They say it's a hedge against inflation. Well, inflation only moves up even in a bad period, 6%, 7% a year. But gold has 1,000 times the volatility of inflation. So how can I think that if I'm
Starting point is 01:05:00 trying to hedge my inflation, it's going up by 3% or 4% a year, but I lose 40% in my gold, how can I possibly think that's a good hedge against inflation? Why do people say gold is the way, though? I mean, hucksters, scammers. What if it's a physical good, though? It's an asset, right? Great for jewelry. Bad for your portfolio. OK.
Starting point is 01:05:23 But what do people say? Well, stocks are just pieces know, they're just pieces of paper, digital paper. I really don't have any value in that. But gold, I can actually, it's like a real estate in a sense. It's a physical, tangible thing. Well, it's a tangible thing, but it only has worth if other people are willing to pay for it. When I own a company, I don't just own paper. I own a piece of that company. So if my company that I bought makes new products, does new innovation, if I buy an S&P 500 fund, I own a piece of 500 companies. Those companies have intellectual property. They
Starting point is 01:05:54 have assets. They have factories. They have R&D. They have teams. They have teams. They have massive amounts of research and development behind them. You're buying something that grows. Gold just sits there and you're safe and does nothing. And besides, if you buy a good diversified portfolio, let's say of the S&P, you've got gold anyway. You've got mining companies. You've got jewelry companies. You've got distribution companies. You're going to have gold in there.
Starting point is 01:06:22 You're just not going to double down and bet on it because it has a low return with massive volatility. Okay. Anything else in this philosophy? I don't know if I cut you off on one point. No, no. It's all great. It's great because I'm sure you've had many experts talk about how great hedge funds are and how great peer-to-peer lending. The idea that they perpetuate is that if you want to be a billionaire, invest like a billionaire.
Starting point is 01:06:48 But for every billionaire out there, there's thousands, if not millions of people that tried to do the exact same thing they did and lost everything. And they never tell you about those people. If you want to invest for your American dream, you need to use science and math, not just speculating and gambling on what some billionaire says that they did. So say I got anywhere between $50,000 to $100,000 right now, right? Someone watching, say they have that. What do they got anywhere from $10,000 to $100,000?
Starting point is 01:07:19 Let's say that. Yeah. You're starting out. You got $10,000 to $100,000. You have no idea where to put it. Do I trust a financial advisor or a fiduciary? Do I do it myself? Well, what do you do with that $10,000 to $100,000 today?
Starting point is 01:07:34 And then let's say you have $500 a month for the next 25, 30 years to put it somewhere. Yeah. What would you do? And you don't want to think about it. You don't want it to be stressful or overwhelming or daunting. And you say, how can I set myself up for success the next 20 to 30 years? I got $10,000 to $100,000 now and $500,000 a month. What do I do? Well, at the risk of sounding self-serving, buy the book. But basically what you do is, the first thing you have to do is determine how much risk you're willing to take.
Starting point is 01:08:07 Say I'm willing to take a moderate amount of risk. Moderate amount of risk would be – I'm younger. I'm in my 20s and 30s. If you're in your 20s, you probably, with the right education, could take an aggressive amount of risk. Okay. Because stocks, large stocks that have averaged 10% have a volatility of about standard deviation of 18%. That means within one standard deviation, you could be 28 or you could be negative eight.
Starting point is 01:08:34 So it's volatile, but you're starting off with that first 50 or 100,000, and then you're putting in that 500 a month. That's dollar cost averaging. So if it does go down, then you're putting in more and you're buying more shares while it's down. So that gives you a lot of volatility, plus you've got time. I mean a lot of ability to take advantage of the volatility, plus you've got time to let it grow with compound interest. So I would build a diversified portfolio of equities using a combination of index funds, structured asset categories. I would diversify globally. I would own emerging markets. I would own Asia. I would own Europe. I would own the United States, of course. But I would globally diversify that thing. And then I would rebalance on the, I would also own small stocks and value stocks, not just the S&P type stocks, large stocks.
Starting point is 01:09:25 That's the other mistake everybody makes. Then I would eliminate toxic assets from my portfolio. Which are? Crypto. The crypto, the peer-to-peer lending, the commodities. Commodities have made, by the way, zero return over the last 15 years. And that's one of the things that Robinhood – look, most people have their cell phone. They got their Robinhood right next to their DraftKings. Just gambling. Just gambling. There
Starting point is 01:09:51 was a recent study that just said more people trust their gambling app on their sports than they do their stock picks. Really? Yeah. Because no one's taught them how to use academic science to do it. So obviously, most people have tried stock picking. Most people have tried Bitcoin. Most people have tried these things. And a lot of people have had pretty massive losses along the way. And once you get burned, then you start saying, well, there's no prudent way to do this. But they just didn't take time to learn the science part of it. Everything you just shared right now, you know,
Starting point is 01:10:26 picking all these different asset classes and Asia and US and this, for me, I'm like, I don't even know where to start with that. Right? Like, okay, if I'm not educated in investing, what you said to me sounds like Japanese. I know. So is there a fund that does all of this? Is there S&P 500 that does most of it? I give this example.
Starting point is 01:10:48 I'm glad you brought this up. Or should you just not do it on your own? Well, I got this example for you. So you know the movies where the pilot gets sick and somebody from the back of the plane that doesn't – is not a pilot, lands the plane? That never happens. Yeah, yeah. But in the movies, yes. In reality, it's never happened.
Starting point is 01:11:08 And pilots will tell you there's zero chance of it ever happening. Of them landing. Some random person had to land. Yeah. It's impossible. But if you interview men, what percentage of the men would you think say they think they could land the plane as long as they were talking to the tower? A lot of them. Yeah. 50% say that they think they could land the plane as long as they were talking to the tower? A lot of them. Yeah. 50% say that they think they could land the plane. So the moral of the story is there are some things you shouldn't probably do alone.
Starting point is 01:11:35 Investing is probably one of them. But you can make the right decisions as long as you have a good coach to walk you through the process of how to make those decisions. So people shouldn't be trying to invest on their own unless they've really studied and educated themselves. So where do they go? Because there are a lot of financial advisors out there that are not doing the right things. And is it a coach? Is it an advisor? Is it a fiduciary? Is it a, where do you go to find the right team to support you? Number one, you want to eliminate commissions. That's the first thing. Number two, you do want to look towards a fiduciary.
Starting point is 01:12:13 But the problem is that the fiduciaries make, I've trained a lot of them, make the same mistakes that the investor makes. Because how are they going to seduce you into buying their portfolio? They're going to seduce you with the things that have shot up over the last two or three years that look hot and sexy. And they're going to tell you, look, you can make 40%, you can make 80%, you can make whatever. And so even though they're fiduciaries, there's nothing to stop them from doing that kind of activity. What I think people should be looking for is, number one, a fiduciary,
Starting point is 01:12:44 What I think people should be looking for is, number one, a fiduciary. Number two, someone who actually understands the academic principles that have been taught largely at the University of Chicago and at some other places. And then they need a coach that has a proven track record and not panicking when things have been terrible, like 2000. Large US stocks lost 50%. They didn't make money for a whole decade. Tech stocks, which is what everybody owns right now, in 2000, that period following 2000, lost 75% of all their value. Wow. And where is everybody investing all their money today?
Starting point is 01:13:21 They're investing in large stocks and tech stocks. Have no idea how much danger they really have in their portfolio. None whatsoever. So as markets do crash, and they will eventually, we just don't know when, they can lose more money than they can possibly estimate because they're not globally diversified. And then you have to have someone that is willing this is the hard part to lose you as a client let's say you cut you have two million dollars and you come in you're down you're down a half a million you're like i went out or i went this or i went that and the and the money manager knows that if he tells you the truth and says we're not going to do that, that you're going to move your money. And then they're going to be out of whatever fees they were charging, roughly 1%.
Starting point is 01:14:11 So that'd be like $15,000 a year on that million and a half. So they're like, are they going to lose you and tell you the truth and refuse to facilitate a destructive strategy, even though that's how they're going to keep the money? Or are they going to be professional enough to say, you know what? That's destructive. You're going to hurt yourself, and I can't be a party to that. If you can find that person, that's the person you should have coach with you. You know, something I don't like about the financial advisory or money management world, and maybe it's just a money screen of mine, I don't like, you tell me if this is a good one or a bad one.
Starting point is 01:14:58 And maybe I just feel like the money industry is broken in some ways. I have a chapter to talk about. But I don't like how a money manager or an advisor, whatever you want to call it, makes money, whether you go up or you go down and they don't lose money with you. Yeah. I wish like, hey, if you're going down, I'm going down. I'm losing. I don't get any commission, but they keep getting paid. Why should they get 15 or 1% 15 grand versus 20 grand at 2 million? Why should they say, you know what? I'm actually getting nothing for this year until you come back. Yeah. For me, the model's broken. Yeah. Well, that's what I don't like. Yeah. Yeah. Maybe I'm
Starting point is 01:15:39 wrong. Well, you're definitely right on commissions. I mean, something should change. It's just totally insane to get commissions with the market goes up or down. But the manager has very little. Most of them will tell you they do have control. They'll tell you that, oh, we'll get you out of the market before it goes down. No, you don't know. They don't know. They have no idea.
Starting point is 01:16:01 No clue. So you're actually – sometimes you're harder to keep discipline after you lose 500,000. It's actually harder to coach you if you lost some money recently than it is when you've made a lot of money. Yeah. If you just made 20% when you're 2 million, you're up 400 grand, you're super easy to coach. Yeah. Let's keep doing it. Dental down.
Starting point is 01:16:28 We're at risk here it it's growing i would rather find you know i get that i get the industry doesn't work doesn't work like this but i would rather say hey i'll pay someone whatever two grand a quarter to do a couple hours of coaching with me yeah that's a flight that is this i'd rather do like a flat fee or a thousand bucks a call whatever it is we do it once a quarter and say, all right, where do I need to go? And you just help me facilitate it or you make the facilitation based on what the plan is for this quarter. And where the political space is at or not. We just set it and forget it kind of. And it has its own markers for the next 20 years, I guess.
Starting point is 01:17:00 But then they just keep getting paid for doing nothing. The trick is it's got to be rebalanced. Yeah. The thing that you're paying, if they're good, the thing you're paying for is in your darkest moment, your emotions will take over and your instincts will take over. So if you have part of your portfolio that's maybe made 5% of your fixed income, but your stocks are down 50%, your emotions are going to mess with you, but your instincts are too because your instincts are going to want to make you run from the thing that just hurt you.
Starting point is 01:17:32 But that's when you need to go into it. And that's why it has to be discretionary because you're not going to pull the trigger on your own. No. They're going to have to do it for you. You're bleeding. You're like, ah. But aren't the softwares and the tools so sophisticated now that they will recalibrate for you?
Starting point is 01:17:49 Oh, this is great. Aren't there different tools out there and these companies that already recalibrate your portfolio for you? Yeah, this is great. It triggers you. When this goes down, we recalibrate and just boom. So another way to ask that question is, why don't we automate it? Yeah. And an algorithm's great.
Starting point is 01:18:08 And we use an algorithm. But the algorithm's only as good as the human behind the algorithm. So that's why you can't go to Vanguard Online or Robinhood Online. You can go and build a model, and you can hit a button that says rebalance. mind, you can go and build a model and you can hit a button that says rebalance. But when you look at your statement and something's down 50%, there's another button right next to it that says don't rebalance. The cell. So the algorithms, there's nothing wrong with the algorithm per se, but the button next to the algorithm, that's the problem. And that's a human problem. That's why I don't think there's ever going to be a robot that coaches an NFL team to win a Super
Starting point is 01:18:53 Bowl. That's a purely human function. Isn't that interesting? Because you need to make decisions based on science and data, not emotion, but people are moved emotionally to take action in sports or relationships or their health. They're moved with emotion as well to live their purpose. Yeah, you've got to harness that emotion, not avoid. You can't be like Spock because you're never going to be like Spock. Yeah, yeah. You have to harness the emotion so that it's powerful and does the most for good. But you can't pretend that it's not there because it's going to be there.
Starting point is 01:19:28 Yes. So if you're in my position, I'm 41, right? I'm not going to say everything I have. But let's say if you went back to 41, 20 years ago, and it's 2024 going into 2025, and you want to set yourself up for the next 20 years. Who would you hire? What would you do with your current portfolio? Or who would be on your money team? Well, another shameless plug.
Starting point is 01:19:58 I would buy the book. We have a two-day workshop that I largely wrote off the book. And we do it on Zoom. We have one two-day workshop that I largely wrote off the book, and we do it on Zoom. We have one in October, and then we have one live in Scottsdale, which I teach personally and live in our facilities. And it takes some time learning because it's just not a quick fix. There's some things in life I talk about in the book that there's no hints and tips in the book because hints and tips don't work.
Starting point is 01:20:26 And if it was that simple, everyone would have already figured it out. So some study, the book, two-day workshop is like doing a 12-year thesis on PhD, but still having it fun. You break the no-talk rule. We didn't talk about that today, but there's a no-talk rule about money. You get your purpose for money. You see the screens by which you see the world of money. You learn the academic investing principles. You learn – I only gave you a couple of the biases.
Starting point is 01:20:59 You learn what more the biases are, how they affect you. And it's really a journey into self. The coolest thing about investing is not the portfolio piece. The coolest thing about investing is what it ultimately tells you about yourself and what you can discover about how you're wired and put together and what's really, truly important to you. And I'd love you to be my personal guest. That's cool.
Starting point is 01:21:24 Yeah, I'd love to try to come sometime. I'll see you about January if I can. But let's say we do go through the workshop and someone watching or listening, they go through the workshop and they get educated. Do they still hire a coach, a fiduciary, a money manager? Who would be on their team once they're educated, do you think? They didn't want to do it all on their own. You want someone to run you through the process. And once you understand the academics, there's like eight different academic principles we go through.
Starting point is 01:21:51 Okay. Okay, and you, and I give you the evidence. And you say, okay, I believe, you don't trust anybody. Trust the evidence. Yeah, trust the evidence. Trust the science. Trust the science and look at the science and say,
Starting point is 01:22:02 does that make sense to me? Okay, this step, this step is, okay, I got that. Okay, I get the science and look at the science and say, does that make sense to me? Okay, this step, this step. Okay, I got that. Okay, I get the science part of it. Then you want to analyze your existing portfolio. Once you say, okay, this is the science, now I want to look at what I got and see how it stands up to the science that I believe. And it would tell you how much volatility you have, how much risk. I asked you, for example, in your model,
Starting point is 01:22:27 what's the worst three-year period you could go through historically? How much money could you lose? You don't know. I'm not sure. Nobody knows because it's never been analyzed. What's your worst two-year period? How many times over the last 30 years could you have lost 40% of your money or more over our
Starting point is 01:22:46 two to three year period? And as a couple, you talked about things you talk about as a couple. Together in our portfolio, how would we feel, honey, if we're looking at this thing and we got our million and now it's down 40% and now we got 600? Is that going to meet our sleep factor? And if it doesn't, then I have to read as you working with your coach, redesign the portfolio so that it doesn't have that kind of risk exposure. But it shouldn't be a mystery. You should know exactly what the volatility could be based on how you structured your portfolio.
Starting point is 01:23:22 based on how you structured your portfolio. And so you want to analyze it scientifically to see what's really going on underneath the hood, what's really in there. Wow. Because your investments have all these names, growth fund, value fund, international. But that doesn't mean that's exactly what's inside of them. That has to be analyzed like an MRI to actually see what's going on inside of those funds.
Starting point is 01:23:44 It has to be analyzed like an MRI to actually see what's going on inside of those funds. I spent $5 million creating a piece of software that actually analyzes what's going on inside of the portfolio. And then you have enough knowledge to go, okay, now I understand it. Now – then you can make the decision. Well, do I want to try to do this myself? Do I want to do this with somebody else? Do I want the added discipline? But the first knowledge is power. And if you start with the knowledge piece first, then those type of decisions will get clearer for you. Are there like Mattson approved coaches that you have too? Yeah, we have 500 of them
Starting point is 01:24:20 all over the country. That have gone through your system. Gone through our training. I've had some of them that have been with us for 30 years. Gotcha. So those are people that are probably on your website that people can look at and reference and call and ask questions to and see if it's right for them or whatever as well. Interesting. That's cool. This is really exciting stuff. I'm sure there's a lot more we could go into, but I think this is a great first conversation. I've got a couple of final questions for you, but I want people to, to get the book. It's called experiencing the American dream, how to invest your time, energy, and money to create an extraordinary life.
Starting point is 01:24:54 But really it's kind of like a psychology to your beliefs around money, your relationship with money and how to break free of those things that hold your back in life. Which is interesting because I've, I just finished a book I turned in a few months ago that is called make money easy. And it's all about healing your relationship with money. Oh my gosh.
Starting point is 01:25:16 So I kind of wish I had, I wish I had interviewed you before because a lot of this stuff in here has some similar tones to what I've talked about. And it's not an investing book. It is a relationship to money and healing book. Because I'm not the expert on investing. And I don't have the experience you do. But I interviewed a lot of money experts and a lot of therapists and relationship experts.
Starting point is 01:25:42 And I blended kind of the three on how to have a deeper, intimate relationship with your money and relationships with others around money. So you're not avoidant. You're not, you know, too attached. You're in a secure relationship with money for yourself and with others. Because I think money is a big driver for people, but it also hurts a lot of people and their relationships. Agreed.
Starting point is 01:26:12 And if we can seal our relationship to money, have new, you know, mend those money wounds from our past, that wound of your grandfather speaking to your father and him dying a few months later, like we can mend those wounds. You talk about Viktor Frankl in your book a lot, and we create meaning from those memories, reconfigure and integrate those lessons and start to heal as an adult from the past. Then we can have a new relationship to money, and we can master it as opposed to it being a master of us. I love it.
Starting point is 01:26:42 And that's something I'm excited to bring out too. But it sounds like you teach a lot of this stuff as well for people in your workshop, which I'm excited about. Get the book, Experiencing the American Dream. You can check out your website also, which is just essentially your name, natsinmoney.com, which has a lot of other content and resources I saw on there as well, talking about the science of investing. Check out your workshops, which sounds like you do a couple a year, but also over Zoom, people can take it or virtually as well. We do it six times a year, three times live
Starting point is 01:27:14 in Scottsdale, which is my favorite. That's great. And then we have, I really went all out. I talk about the space in the book. I have a Berlin Wall, a piece of the Berlin Wall exhibit. Wow. I have science exhibits about the scientific theory and how it applies. I have an inspiration alley. In Scottsdale.
Starting point is 01:27:34 In Scottsdale. Really? Yeah, I got to check this out. That's cool. How big is the facility? 50,000 square feet. 50,000? Yeah.
Starting point is 01:27:42 Holy cow. So it's like an exhibit. Oh, yeah. It's not just an office. Oh, no. It's a. 50,000? Yeah. Holy cow. So it's like an exhibit. Oh, yeah. It's not just an office where- Oh, no. It's a full experience. Really? Yeah.
Starting point is 01:27:49 I got to check this out. In Scottsdale or Paradise Valley? In Scottsdale, yep. Really? Okay. Next time I'm there, I'm checking it out. I'm calling you up. This is a question I ask everyone towards the end of our conversations.
Starting point is 01:28:01 It's called the three truths. So I'd like you to imagine a hypothetical scenario. Mark, you get to live as long as you want, but it's your last day on earth. You're as old as you want to be, but eventually it's the last day. And you get to accomplish everything you want from this moment until then.
Starting point is 01:28:19 These three dreams that you talked about all come true. You see your kids and grandkids, and it all happens for you. Um, but on the last day you have to take everything with you. So no one has access to this conversation. This book is gone. Your dream center, like everything's gone. Hypothetical. Um, no content on social media, website, any information about you is gone but on the last day you get a to leave three things behind three lessons i call it the three truths and this is all we would have access of your information your content are these three truths behind what would be those three truths for you is putting the hot seat.
Starting point is 01:29:06 For me, God is real. That love is the thing that really bonds families together and makes life worth living.
Starting point is 01:29:28 And it's probably not going to be the big things that you said, all the books or the Dream Center or any of that stuff that's going to matter. It's going to be the relationships in love and intimacy with people. And I guess if I had a fourth, it would be the vision of freedom as a universal principle that creates better lives for people all over the planet.
Starting point is 01:29:58 That's beautiful, man. Before I ask the final question, Mark, I want to acknowledge you for your vision and bringing this message to people all over the world. I think this type of content is what we need most. And so when I saw this book, I literally had already finished my book a few months earlier. I turned it in and we're going through the edits right now, but I was like, this is exactly the stuff that it's exciting to me because I feel like families get broken apart because of money. Marriages get broken apart because of money. You know, kids abandon their parents. There's just nasty stuff can happen with money in relationships. But I also think dreams and missions and purpose can come fulfilled as well with the right use of money under the right screen or mental model that we have. And when we can change our screen or our mental model around using money for good, creating
Starting point is 01:30:55 value to generate money, being of service, helping others accomplish their goals, their dreams, that's the most rewarding thing that we can do. It's the most fulfilling thing. It's the most selfish thing in we can do. It's the most fulfilling thing. It's the most selfish thing in a sense is helping others because you get more from it than just someone helping you by yourself. And the money or whatever resources you need will come from that. Whether it's millions of dollars or just an abundance of peace, you will live a rich life. And so I'm grateful for you. I acknowledge you for really mastering this the last 30 plus years, 40 years of your life, diving into this,
Starting point is 01:31:33 diving into the academics and the science of this, not going off of emotion yourself, but going into these other areas that have been researched to create a more understandable lens around money and the American dream. So I acknowledge you for what you've created with this. And I acknowledge you for taking this weekend to reflect on how you would take time for the next six months for yourself. You got it. And then give back to you and invest in you. I love it. I love it. My final question, Mark, is what is your definition of greatness?
Starting point is 01:32:06 Oh, wow. In our core value documents, we actually have a statement in there about greatness, inspiring others to greatness. And we had a long debate. There were 50 of us in the room and we wanted to hash out every single word and agree on every single word. Like the Declaration of Independence. Like the Declaration of Independence. That's what we did. And two or three people in the company were like, no, we can't put that in there because we can't inspire people to greatness and that's too big of a thing to take
Starting point is 01:32:45 on greatness is to me is is living an extraordinary life where you've made a difference for other people and you've left the world a better place yeah and if I can leave the world a better place and then I came into it I'll consider that that a win. There you go. Experiencing the American dream. Mark, thanks so much for being here. Thanks, brother. Appreciate it, man. Thank you. I hope you enjoyed today's episode
Starting point is 01:33:10 and it inspired you on your journey towards greatness. Make sure to check out the show notes in the description for a full rundown of today's episode with all the important links. And if you want weekly exclusive bonus episodes with me personally, as well as ad-free listening, then make sure to subscribe to our Greatness Plus channel exclusively on Apple Podcasts. Share this with a friend on social media and leave us a review on Apple Podcasts as well. Let me know what you enjoyed about this episode in that review.
Starting point is 01:33:40 I really love hearing feedback from you and it helps us figure out how we can support and serve you moving forward. And I want to remind you, if no one has told you lately that you are loved, you are worthy, and you matter. And now it's time to go out there and do something great.

There aren't comments yet for this episode. Click on any sentence in the transcript to leave a comment.