After starting her career in the banking industry, Kristin Colca noticed that conventional financial wisdom was not working for many of her clients. A low-interest rate environment combined with Wall Street volatility and a growing pile of debt made it almost impossible to plan or create a secure plan for retirement. Further complicating these issues are the financial “experts” and “advisors” that are too quick to recommend one-size-fits-all solutions without fully understanding their client’s goals or dreams. Kristin’s mission is to create custom-tailored and holistic financial strategies for her clients that empower them to achieve financial freedom. Connect with Kristin Colca at learnmorewithkristin.com.
if you enjoyed the show be sure to check out my info:
https://app.wingcard.io/ROB3SA64
After starting her career in the banking industry, Kristin Colca noticed that conventional financial wisdom was not working for many of her clients. A low-interest rate environment combined with Wall Street volatility and a growing pile of debt made it almost impossible to plan or create a secure plan for retirement. Further complicating these issues are the financial “experts” and “advisors” that are too quick to recommend one-size-fits-all solutions without fully understanding their client’s goals or dreams. Kristin’s mission is to create custom-tailored and holistic financial strategies for her clients that empower them to achieve financial freedom. Connect with Kristin Colca at learnmorewithkristin.com.
if you enjoyed the show be sure to check out my info:
https://app.wingcard.io/ROB3SA64
Welcome to the Josh Bolton show. Die interesting and inspiring conversations. And now your host, Josh Bolton. Oh crap, I forgot. Oh. Awesome. Can you give us a little intro about yourself and what you do?
Kristin Colca:Yeah, absolutely. So my name is Christian Colca. I work as a bank on yourself professional. I've been doing this for about 11 years now. So started working with clients with life insurance strategies back in 2011. And I personally love it. You know, I really specialize with working with entrepreneurs, investors, real estate investors. But you know, I also work with just ordinary people, families, individuals, you know, whoever thinks that this might benefit them.
Josh Bolton:That's awesome. Joe 11 years, man. So you usually would saw Oh, eight, in that
Kristin Colca:way right now. So I actually started working with the strategy in 2011. So it's right after la okay. Yes, yeah.
Josh Bolton:Interesting. What's, what's the difference between you selling back in 11, to now, like the trends you see in the market, and I haven't sold insurance. So
Kristin Colca:you know, right now, people are getting back into the same mindset that they were right after 2008 2009 where they're scared, right? They are scared because they have lost money. They know people that have lost money. They see their 401 K's going down, and they just bought a house that was overpriced. And they see that their home values going down. And they don't know where to put their cash. Right. Right after the housing crash, you know, probably about four or five years after that people were pretty happy. The market was doing really well. You know, they kind of had amnesia over the whole housing crash, but it seems to be coming back in the last year. People seem to be back in that mindset of just being scared and not knowing where to turn.
Josh Bolton:Yeah, I would definitely say started back in November 21. Like a year ago, essentially. Wouldn't especially that's when like, the crypto came in at its top, isn't that? Yes.
Kristin Colca:Yeah. People are all about the crypto and then you know what happened?
Josh Bolton:Honestly, I just read an article about FTX have potentially went bankrupt because they've been so encrypted, they didn't even own.
Kristin Colca:Oh, my gosh, and you hear that over and over again?
Josh Bolton:Yeah, it's everywhere. Yeah. That was just one of the SAT there. And I'm like, Wow, this sucks a lot of people to lose money. Yeah. Finally, people are starting to realize, oh, this is just kind of one big Ponzi scheme right now.
Kristin Colca:Well, yeah, it's not the, you know, the get rich quick that they thought, you know, of course, there's people that are going to get rich off of any financial scheme like that. Right? Doctor? Exactly. But the vast majority of us, what do we do? We chase greed, right. And we wait for other people to make sure that it's safe before we start chasing that grade. So we see our friends making money and we see that whatever crypto it is going up, up, up, up, up, and we buy in when it's up high, right? And then when does it do? It goes down?
Josh Bolton:Yeah, that's the biggest one, because one of my co workers, he was super into crypto. And he was he was super into Celsius, too. That's the, the lending one. And I told him I dude, do you even know how they make money? He's like, No, not really. But the pay. I mean, like, that's the problem. You can't write it out and be like, Oh, because I give them this and they lend it at 18%. But I only get 6% of it kind of thing. It's sustainable. You don't know how the hell they make money. So what's going on here?
Kristin Colca:Right. And, you know, that's what I've always told my clients because, you know, probably three, four years ago, this conversation came up a lot. You know, what do you think about crypto? Should I invest in crypto? I have investments in crypto, right. But I look, yeah, I look at the project, though. You know, what is his project? Is it something that I see having a long term potential? And am I investing in it? Because it's, I think it's gonna go to the moon, or because I believe in the project. And if I don't believe in the project, I'm not going to put my money into it. Because for me, it's a long term strategy.
Josh Bolton:Oh, 100% Yeah, there's some projects I really agree with. And I'm like, I I bought crypto during the hype during 2020. So my taxes were a little interesting to file I got out of it, but I'm not doing that for a while. Yeah. So back to life insurance. So you said you're a bank on yourself specialists? What would I guess what is like the perch? For someone who doesn't know what that is?
Kristin Colca:Yeah, absolutely. So what bank on yourself is, is it's a way of using a whole life insurance policy as a alternative to financing and as an alternative to traditional savings. And so it's a safe place to put your cash. But it's also a place where it's liquid and accessible. Or you can borrow it out if you need it. And there's some perks to doing that. The reason that, you know, if you're going to use this strategy, you should look for someone that is a bank on yourself professional, is we go through additional training outside of just being licensed as a life insurance agent. So we're really familiar and specialized in how to design these policies to make sure that you're getting all the benefits that you can out of the strategy, what carriers to work with what products to work with what riders to use. There's a lot of moving parts that goes into these policies to make sure that you're getting the total bang for your buck.
Josh Bolton:Right. Yeah, I had, I think it was the Chris, who introduced us,
Kristin Colca:Mark, Mark.
Josh Bolton:Yeah, the way he was explaining it, and I do the concepts of like, he explained in my class, there's so much going on back in that a lot of people don't know about.
Kristin Colca:Yes. And it's becoming so popular, that there's a lot of life insurance agents that are trying to kind of jump on the boat. And they're not using the right carriers. They're not using the right products, right. So we have people that come to us and say, Hey, can you check out this policy and just see if it's structured correctly? And I would say maybe, you know, half the time, it's not, and it's really unfortunate.
Josh Bolton:So what's the consequences if it's not fully structured correctly.
Kristin Colca:So if you don't use the right product, one of the most major consequences that you can run into is your policy could be at risk of lapsing in the future, which means that you lose all the cash that you've put into it, you lose your death benefit, and more than likely, you're going to face a pretty significant taxable event. That's on the kind of worst case scenario side, right? less severe consequences, but still, you know, something that you don't want, it's just you're not enjoying all the benefits that you could write. One of the big benefits that you get with our strategy is if you borrow against your cash value, you continue to earn the same dividend that you would have had you not touch the policy at all right? So you're still compounding your cash as you use it. Not every carrier offers that. So if you're not with the right carrier, there's a chance that you could be borrowing against your cash value, but not enjoying the same dividend you could have.
Josh Bolton:That's interesting. So is it like a fixed rate? Let's say I paid my $700,000 a month, and I'm because of the high paying that is it? Like$200 in dividends kind of thing?
Kristin Colca:I'm kind of Yeah, so you know, the insurance carriers, they do set the dividend interest rate each year. And it's going to be based off of the performance of their portfolio, and also how well they've managed their expenses that year, how profitable they've been. So it is going to change here from year. But you know, the carriers that we use are pretty conservative. And so there's not going to be real crazy, big volatile swings and what the dividend interest rates going to be.
Josh Bolton:That's good. If you can get into about getting in trouble. What are some of the carriers that are out there? Well, we
Kristin Colca:in particular, work with mutual insurance carriers. So Josh, do you know the difference between a mutual carrier and a stock on carrier?
Josh Bolton:Maybe can you give us a better definition?
Kristin Colca:Sure. So I use the analogy of banks and credit unions, right. So you banks would be like your stock and insurance companies, they are there to profit their stockholders, right. And the decisions that they make are to make their stockholders richer. Credit unions are more so there for their members and their members are usually part owners of the credit union, right. And so if that credit unions profitable, they share in those profits in the form of dividends. Same thing with a mutually owned insurance company, as a policy owner, you're part owner of that company, you get to share in the profits, that insurance company exist to benefit you. Right. Right. So that's the first piece of criteria we look at when it comes to what insurance carriers to work with is they have to be a mutually owned insurance company.
Josh Bolton:Interesting. I didn't know that. That's from like, can you explain this more?
Kristin Colca:Yeah, yeah, absolutely. A lot of people don't realize that there's a big difference with insurance carriers and how they're structured.
Josh Bolton:It's interesting. So I'm assuming now this is more in your field, how does one come across the mutual insurance to ask them to use their services?
Kristin Colca:How does one contract with an insurance carrier? Yes. Okay. So there's two ways, right, if you're a consumer, number one is you can interact directly with the insurance company, right? You just go to the, their website, you contact one of their agents, and you work with them directly. The other way to do it would be working with someone like me, I'm an independent broker, right? So I can work with whatever insurance carrier I'd like to work with. I'm contracted with about four right now that I prefer to work with. So I would, you know, go out kind of do the shopping for you put the contract together for you and kind of act as the middleman with that transaction.
Josh Bolton:I'll say from what you were just explaining earlier, as the complexity, it's better just to pay you and get it right.
Kristin Colca:Absolutely. Right. Because number one, I have the ability to shop around. And I can take what you're looking for, and find the product and the carrier that matches up with what you're looking for. Instead of you having to call different carriers try and figure out insurance lingo, you know, what does this mean? What does this mean? You have someone who's been educated, who knows what they're asking, he knows what you're looking for? Yeah.
Josh Bolton:You're like, you're sitting there having the look of the Old English definition you like. uses that anymore?
Kristin Colca:Yeah. It's like going to a doctor if you have an medical issue versus going on WebMD. Right.
Josh Bolton:Went to the doctor's once, and I was like, Oh, I think I have this. He's like, Did you Google this? I'm like, I might have had some paranoia,
Kristin Colca:right.
Josh Bolton:But I couldn't understand what that word was. So I kept going down a rabbit hole. And he's like, at least you were looking at the word. She's like, everyone's just like, Oh, my God, I'm dying.
Kristin Colca:I'm right. Exactly. Yeah.
Josh Bolton:That's awesome. So then, I'm now just asking that curiosity, is the life insurance, let's say, heaven forbid, but I get cancer like 60. Is there a plan that like says, if you get terminal cancer, we will cover all your bills kind of thing.
Kristin Colca:So not quite, but there are there are benefits if you become chronically ill, or terminally ill. So a lot of the carriers that we work with, they include a rider on the policies, and for most people, it's included at no additional charge, which is really nice. And with that rider does is it says, you know, if you have terminal cancer, you're able to access a portion of your death benefit while you're still living to help with that medical care. Right. So it's nice to have that larger pool of cash to dip into if you have a major medical expense.
Josh Bolton:Yeah, that's a big one. i It was a long time ago. A friend of mine tried to get me into like an MLM for life insurance, but they were claiming like, oh, we will cover all cancer. Expenses. I'm sitting here going so much. It's not cheap, even for insurance kind of thing. Yeah.
Kristin Colca:Absolutely.
Josh Bolton:This is one of those ads is like a total MLM thing. And I realized that halfway through, and I'm like, Oh, they're like, way over promising a way to deliver.
Kristin Colca:Oh, my gosh, yeah. And that's such a scary situation to be in selling that stuff. Because you're just you're setting yourself up for a lawsuit.
Josh Bolton:Well, yeah, they will do you got shut down so quick, because if they did, we will cover all in any capture expenses. And I'm sitting here going, I know a pill, like a treatment for cancer. It's like 200k a shot. I'm gonna guarantee that.
Kristin Colca:Yeah, well, and then what if you go into some kind of you do a study or go out of the country and try to get some alternative treatments? Do they cover that also?
Josh Bolton:They got shut down real quick. Yeah. Excellent. Here's the funniest one. I actually had a lady come on trying to sell insurance for as zombie apocalypse. Oh, right. I was like, well, technically there's a slim possibility that could happen, but like, but how do you pay out people? How do you end the financial system? Yeah, I was like, Wait, how do you insure against that?
Kristin Colca:That is funny. People come up with wild ideas.
Josh Bolton:Right? It's like, the world is shambles, the financial system is broken. How's that gonna work? That was one of them. I didn't, Eric because I'm like, This is too crazy.
Kristin Colca:That is very crazy. I would have loved to listen to that show the
Josh Bolton:amount of stuff we went into. She's like, talking about alternative medicine and this and that. Religion at the end, and it was just like, when we started this, I had to like, pull my phone and look. Oh, that's what we're supposed to talk about. That's
Kristin Colca:too funny. Oh, my gosh.
Josh Bolton:I'll see if I can find if I saved it somewhere else. But yeah, that was just one of the sub like, No, this is one person's like, oh, I don't want to buy it.
Kristin Colca:Oh, my gosh, I know. I wonder how many people actually bought the the zombie apocalypse insurance. And if they're still paying on it.
Josh Bolton:I, we were talking just after COVID hit. So I'm pretty sure because of the pandemic people were just buying it.
Kristin Colca:It could be it could be that some strange things.
Josh Bolton:Very strange. So what is the well, actually, where are you stationed at by the way?
Kristin Colca:So I'm actually in Lake Charles, Louisiana, of all places. Yeah, I it is very pretty here, you know, but it's a very small town. I grew up in Austin, Texas, and moved here about two years ago. Because I was about to marry my husband. We just got married about a month and a half ago. Congratulations. Thank you. Yeah, so he works here. He lived here. We were in a long distance relationship for about four years before I moved here. So it's been a bit of a culture shock living in Lake Charles, after moving from Austin, Texas, but it's gonna really nice. I like it.
Josh Bolton:That's awesome. I will say from what I've heard, it's a very slow but beautiful place.
Kristin Colca:It is. You know, if you think about Austin, just how busy it is there. How much growth is happening there. It's just a very bustling big city. And it didn't always used to be that way. Right? It used to kind of have this kind of cool, weird, kind of small town feel for a city. But it really changed over the years. So coming here, kind of having that slower pace of life, and really more of that community feeling
Josh Bolton:has been really nice. That's awesome. Yeah, it was awesome. Yeah, so then, is there anything in particular for the insurance that I haven't asked for, that you would like to go over?
Kristin Colca:Well, you know, one of the things that I mentioned in the beginning that I really specialize in is working with entrepreneurs, investors, real estate investors. And a really cool strategy that I've helped people implement over the years has been using cash value life insurance to invest. And the neat thing about it is you can really have your cash working for you in two places at once. Right. So if you think about a real estate investment, in particular, imagine borrowing against your policy and purchasing, let's say, the house that you're going to use for a short term rental, right and Airbnb, that money is working for you inside that property, right? You're producing income with the Airbnb. And of course, you have the equity inside the property, right. At the same time, because of that feature we talked about before, that the insurance carrier not recognizing that you've borrowed against the cash continuing to pay the same dividend on the cash that you borrowed. You still have the money that you borrowed out working for you inside the policy. So it's almost like you have these dollars working for you in two places at once. Plus, you have the death benefit protection, right? So if something happens to you, your family is protected, your business is protected, your assets protected. your surviving spouse, your kids don't have to worry about trying to sell that Airbnb, right if they if they have to. They can really do whatever they like with it. If they can pay it off, they continue to benefit from the income. So it's a really cool strategy that I love putting together for my clients.
Josh Bolton:It's awesome. Yeah, that the especially the borrow against it for an investment, like something stable, like a rental would be great because you're gonna have to borrow it from the bank anyways, you could just take it and be like, here's the down payment kind of thing. Exactly, exactly. So I'm just curious for a guy like me, 29. Male? What would be the average going rate for the life insurance we're talking about for me?
Kristin Colca:You know, that's a good question. Because a typical insurance agent would say, Oh, well, you know what?$500,000 of coverage it cost X amount a month that ended at A, we work a little bit differently, right? Because the focus is on the cash value. What we do is we start with, okay, what is your budget for the policy? Right, we'll kind of talk about your financial situation, your income, your expenses, what you're currently doing for your savings and investment strategies, what your goals are short term and long term. And whatever that budget ends up being, we'll figure out what is the death benefit that's needed? Right? For this premium? So it could be well, my budget is $500 a month. Okay. Well, Josh, that gets you a policy that has about $500,000 of death benefit, right. But the main thing is, is that the majority of that $500 is building the cash value. And a smaller portion is actually paying for the death benefit coverage.
Josh Bolton:Interesting. Okay. So then, let's say I'm able to throw like 1800 a month, what would that ballpark? Give me
Kristin Colca:for a 29 year old? I want to kind of guesstimate, $1,800 a month, you know, you maybe would be looking at a policy of a million dollars plus, wow, my guesstimate?
Josh Bolton:Well, let's see, I threw that out there. Because it's like, I don't make that journal. pay that much. Yeah. That's interesting. Okay, so there's options. So then I guess for someone that's younger, well, let's go for like someone in their 40s. They're not too young, but they're not too old. Is the premium does it increase the older you get kind of thing? It does,
Kristin Colca:right? So life insurance, they're always going to evaluate the cost based on your your age, your life expectancy and your health. So the older we get, or the less healthy we get, the more of a risk we pose to the insurance company. Because they know that they're closer to the period of time that they're going to have to pay out that death claim, right? So life insurance does go up as we get older. But you know, not in such a significant way that a 40 year old would be, you know, disqualified from taking advantage of this strategy. The majority of my clients are actually between 45 and 65 years old, right? And we can design a policy for them with a very affordable premium that builds very nice cash value, and has the death benefit protection that they're looking for.
Josh Bolton:That's awesome. Yeah, I wasn't see. Most people would be thinking about in their 40s. So like, oh, yeah, probably got maybe like 3040 years left in me. Probably should get something.
Kristin Colca:And well, let's hope not right, I plan to live forever. So
Josh Bolton:you're gonna get the neuro link chip in you?
Kristin Colca:I think so. I think so. No, probably not. That's a little scary.
Josh Bolton:was gonna say this thing what he says like, the neuro link will tell you the definition the meaning behind the meme. Like, that's the easy brainwashing trick right
Kristin Colca:there. Yes. Yeah. That's a little scary.
Josh Bolton:Right? And then it was just one of them. He said, How Elon said it casually, as they owe a pumpkin read and overwrite. Oh, no, no, no, no, no, no.
Kristin Colca:Imagine Elon Musk having complete control over your brain.
Josh Bolton:Just kind of what my my subtle thinking is with that. That's terrifying. I hate what I mean. Like how he was okay. What's your take on Twitter, by the way? You know, I
Kristin Colca:think it's interesting. I for 1am always going to be for free speech. Right. Right. And I love the fact that and I, you know, I don't want to get political, but I love the fact that um, he's kind of made a stand for free speech in a way right? Then it's taking over this platform and restoring it to really what it was meant to be, which is this kind of community. What's it called? Like wherever one goes and gathers to do like the town square. Exactly. Yeah. And I think that's really his intention with it. And I can see it having some positive influence over other social media sites.
Josh Bolton:I was very well said. My whole take is I said, you know, he made a smooth $200 billion dollars off Twitter for hyping his Tesla stock. Yeah, I paid 44 billion to pump it up again to get another $22 billion.
Kristin Colca:Right. Yeah. Wasn't he also using it for the doge? To make money off of Dogecoin?
Josh Bolton:Yeah, was one of the big whales that bought him for everyone else?
Unknown:Yeah, yeah.
Josh Bolton:Yeah, the turtle room. Like, if I had 44 billion sit around, I totally do the same thing. I buy the thing that made me hundreds of billions of dollars. So I sure i get censored. Absolutely.
Kristin Colca:Absolutely. Yeah, he's a he's a crazy guy, but you can't deny that he's, he's got that genius in him.
Josh Bolton:I'm just just thinking aloud if you had to ensure someone like Chem co five companies questionable health at best, what how would that pan out?
Kristin Colca:I wonder if he has has making the lifestyle choices that would make him insurable to begin with. Gosh, he probably would be a very interesting client.
Josh Bolton:Just from what I can tell he doesn't sleep that much. It public tests it is I think he said like him over sleeping is six hours.
Kristin Colca:Oh my gosh. That's how a lot of those kind of crazy genius guys are there. Like those they sleep three, four hours a night and they're up working? You know? It's crazy.
Josh Bolton:Yeah, it was like the human body's not immediate can learn to cope with it, but it's not designed to go that long.
Kristin Colca:Yeah. But that just shows you what his brains like. Right? His brain is just constantly constantly working and so much so that he can barely sleep.
Josh Bolton:It's crazy. The few interviews have heard of him on like YouTube and Tik Tok. I realize his stuttering is not that he's lacking of words is because they're going so fast in his brain. He's like, Wait, what was I supposed to say? We're really paragraphs ahead. Yeah, he's
Kristin Colca:trying to keep up with his brain.
Josh Bolton:Because a lot of people like oh, he's stupid. I'm like, No, stammering the way he does, because he's, it's like he's trying to read something. Right. But he it's going too fast for him. Right? Yeah, exactly. That's interesting. Yeah. Oh, because you were in Austin, where you just recently moved out. What do you what you're back to Elon? Is it Tesla in Austin? Or is a Houston?
Kristin Colca:No. Yeah, they're opening the Tesla factory in Austin. I'm not sure if it's if it's opened yet. But I know that they were working on building it.
Josh Bolton:I think it is now is that Yeah, cuz all the California ones are completely shut down and sold off now. Oh, wow. Yeah, so he has other than his one $10 million mansion. In I think it's Laguna. He has no ties to California anymore. Wow. So I'd be interesting. I guess I'm gonna have to go check that up. I don't have an assistant like looked it up and put it on the screen? Yeah. One day, one day. I'll be like, have to go do it.
Kristin Colca:Yeah, isn't that Joe Rogan? He has his Jamie Jamie, look it up. That'll be Wednesday.
Josh Bolton:Ray feels what it was go find it from replays So, honestly, this has been fantastic. Hey, I just have a few questions for you. Okay, going out. Yeah. Three of them actually. So I live in work during these COVID times. What have you been doing to keep yourself busy?
Kristin Colca:Oh, gosh, that's a good question. Should I be honest or should I make myself look good? Oh my gosh. Well, you know, I'm so positive I've been trying to just get more into taking care of my house right because I'm getting older. It's becoming one of the things that's that's more important to me to eat right and exercise. Get outside get some sunshine. I've probably also formed some reality TV addictions that I need to break but yeah, that's that's pretty much it. And you know, education is always One thing that I tried to focus on so I have a lot of books on my bookshelf that I'm trying to read. I probably read like four or five bucks at a time because I can't just focus on one. But yeah, I try to just spend some time reading as well.
Josh Bolton:That's awesome. So I'm just curious. I never saw it. Did you watch the tiger King?
Kristin Colca:I did not see that one. That's fine. I did not get into Nope.
Josh Bolton:I like in all the different heights like, Oh, you have to watch this and that. Everyone was talking about that one. I was like, I mean, it's a guy with a tiger.
Kristin Colca:Yeah, yeah, that one didn't really speak to me. I like the true crime stuff. My husband does not like that. I like that. But
Josh Bolton:listen to True Crime podcast.
Kristin Colca:I am. Yep. Yep, it's bad.
Josh Bolton:You're sitting here going? Oh, my God, that neighbors acting funny.
Kristin Colca:I No, no, I was watching Unsolved Mysteries the other night and my husband was like, Why do you like this stuff? Like why do you like this? Like it's a mystery of it all. It's what happened and you know, who did it like a love mysteries?
Josh Bolton:And I think it's more of a thrill of like, you don't know. And then the the final unveiling, like, Oh, my God, I didn't see that.
Kristin Colca:Exactly, exactly.
Josh Bolton:Although it will say there was one I was joking with my my sister, because she's super into that, like, the 90 minutes and all that. And I was like, I told her cuz she's been super anxiously then what do you think it's because you listened to so much crime junkies and unsolved this? And she's like, even given it up?
Kristin Colca:Exactly. Right.
Josh Bolton:I was like just saying, because you're constantly pumping your head full that? Yeah. So someone that's inspired by you that wants to go down a similar path of very successful woman, married and happy? What are some tips, tricks or advice you'd give them to start down that path?
Kristin Colca:Oh, my gosh, that's a hard question. You know, my life has really been a bit of a roller coaster, it's been a lot of learning lessons, learning hard lessons, just to give you a little bit of my background. So I actually got pregnant when I was 16. And had my daughter raised her as a single mom, for her whole life. And really, that's why I was in a long distance relationship for four years is because I wanted my daughter to finish up high school with her friends, you know, and then for me to kind of start my life with with my husband once she was in college, which she's a junior at Texas State right now. I'm at and, you know, I've really kind of taken, I'm a bit of a control freak, right. And the lesson that I keep learning that I keep thinking God or the university, or whoever's in control is trying to teach me is that I'm not in control, right? So I tried to just kind of follow the path that God or the universe or whoever is leading me down. And it seems that whenever I'm open to learning, open to being proven wrong, is when I'm most successful, and most happy in my life. Right? So, you know, I would just tell people that have an open mind, know that you're not in control. Know that you're not on anyone's timeline, but your own. And just be open to exploring the possibilities and what, God the universe, whatever you believe in, is trying to teach you.
Josh Bolton:Yeah, I have to agree with that a lot of different doors have been opening for me because I finally, like you, which is, I don't have control, kind of like, just throw up your hands. And then usually when you do that, it's like, oh, wait, well, here's everything I needed.
Kristin Colca:Exactly. Exactly. Yeah.
Josh Bolton:Awesome. Thank you for sharing your back history, by the way. Absolutely. So final question. Where can everyone contact you out? They're like, alright, Josh, you had your fun, like, we need to call her.
Kristin Colca:Well, thank you for that, Josh. So you can go to learn more with kristin.com. And my name is spelled k r, i s t i n. So to to is no use. Or you can give me a call. My number is 512-301-7701.
Josh Bolton:And if you call her Tell her I sent you two,
Kristin Colca:yes, please.
Josh Bolton:Maybe Maybe I can't promise anything because she might give you a discount.
Kristin Colca:Yeah, unfortunately, you can't give discounts with life insurance, but I'll send you a Starbucks card.
Josh Bolton:Get free coffee.
Unknown:Yeah
Josh Bolton:absolute honor and a pleasure to have you on
Kristin Colca:Oh thank you so much Josh This is so much fun this was