Welcome to another Intangible Balance Sheet episode. Today John Boland joins us to share his first memories of earned success, unique travel experiences and so much more. This was an interesting conversation that I'm sure you'll find encouraging and inspiring.
JOSH KLOOZ, CFP®, MBA
SENIOR WEALTH PLANNER
Phone 281.719.0036
Text 281.699.8691
Fax 281.719.0156
jklooz@carsonwealth.com
1780 Hughes Landing | Suite 570
The Woodlands, TX 77380
music by bensound.com
Please check out and subscribe to my Youtube Channel and Newsletter!
JOSH KLOOZ, CFP®, MBA
WEALTH ADVISOR
Phone 281.719.0036
Text 281.699.8691
Fax 281.719.0156
jklooz@carsonwealth.com
1780 Hughes Landing | Suite 570
The Woodlands, TX 77380
Music by bensound.com
Welcome to another Intangible Balance Sheet episode. Today John Boland joins us to share his first memories of earned success, unique travel experiences and so much more. This was an interesting conversation that I'm sure you'll find encouraging and inspiring.
JOSH KLOOZ, CFP®, MBA
SENIOR WEALTH PLANNER
Phone 281.719.0036
Text 281.699.8691
Fax 281.719.0156
jklooz@carsonwealth.com
1780 Hughes Landing | Suite 570
The Woodlands, TX 77380
music by bensound.com
Please check out and subscribe to my Youtube Channel and Newsletter!
JOSH KLOOZ, CFP®, MBA
WEALTH ADVISOR
Phone 281.719.0036
Text 281.699.8691
Fax 281.719.0156
jklooz@carsonwealth.com
1780 Hughes Landing | Suite 570
The Woodlands, TX 77380
Music by bensound.com
Joshua Klooz 0:01
most people are aware of their own financial balance sheet.
As soon as we buy our first car or house, we become aware of it. If you're of a certain personality type, you may track it quite a bit. But I'd submit to you that we're also unconsciously aware of another balance sheet. And this one is sometimes tricky to measure and even harder to manage. Sometimes we often find it hard to put into words, but it's real nonetheless. I call this our intangible balance sheet. What I mean by this are those life principles, experiences, memories and stories that given any amount of money, we wouldn't drain. They're the memories that bring tears of joy to our faces, because we simply can't imagine life without them. We feel fortunate to have had them. It could be our first jobs, proposals, wedding days, burrs, struggles, anxieties, or fears, and maybe even some hindsight. It's all those things that melt into a memory that bring a distance stare to our face, and maybe even a smile.
We feel lucky to have had them because they're what has made us us. So that's what I'm talking about when I talk about the intangible balance sheet. It's those moments in life that may be financially irrational, but which are indispensable parts of who we are. So, these episodes are focused on the stories that bring us joy, happiness, fulfillment, and ultimately may hold unnecessary keys that will direct the future for our family, friends, and maybe even neighbors. So listen in with us as we discover some of those stories that are meaningful to our guests. And maybe you'll even uncover hidden value on your own intangible balance sheet.
Welcome to the wisdom and wealth Podcast. I'm Josh Klooz, and I serve as the senior wealth planner for Carson wealth in The Woodlands, Texas. On this week's intangible balance sheet episode, we're going to be speaking with John Boland. John is the Vice President, where is a vice president rather with Alliance services, where he helps family enterprises manage their unique risks. But today, we're going to we're going to be talking more about the life principles and stories that John holds dear and I'm really excited to dive in. John, welcome to the podcast. Thank you very much. Happy Friday.
I find it a logical way to dive off. And just to kind of set the table and let our listeners get a little bit more acquainted with you, personally. It's just kind of your background and your upbringing. Can you tell us a little bit more about where you grew up and in the community that shaped you?
John Boland 3:05
was given an opportunity through a very large insurance company at the time, they're still around.
Didn't think that was the field I was going to go into.
a whole individual and a happy person, you know, so so that was that was great. They, they they wanted me to dream and they wanted me to work hard at the same time and I did I worked I mean, I was mowing lawns as a kid and, and sacking groceries, you know,
where I could appreciate that, and I could see him still working for every day of his life, he never stopped.
I feel that those I feel that viewing that helped me as a young boy, you know, start my lawn mowing business with my friend simply just doing all the lawns in the neighborhood. My parents didn't tell me to do that. I wanted to go earn $1. And it was summer, and that was, we didn't have Xbox or cell phones back then. Getting out of the house was better than sitting in the house, right? Yeah, I can make money at the same time. It was great. So the one of the other themes that we all often talk about is this. It's an idea that Arthur Brooks talks about. He's formerly ran the American Enterprise Institute, he talks about earn success and your your without even realizing it, talking about it with those early experiences. And what he means by earn success is it's that first time that you are working in a for someone in a relationship where they depend on you.
And you like that feeling you like that feeling of meeting a need that, you know, maybe somebody else could meet it, but hey, you're the one that's going out and making it happen, right, and somebody else is dependent on you. Do you remember that? Is that in particular, or when that, you know, a kind of instance that fits that bill?
Well, I think first of all, I think, first when you, when you when you were young, you're you're kind of doing it for selfish reasons, you're doing it, you're doing it because you don't know but you weren't, you were given this set of values that you don't even realize are there but you're, you're living them out, because that's what you intrinsically know you should be doing. And then you, you start to gain a little bit of respect. And you start to gain a little bit of responsibility, and you get some money.
And so I think the first component is for yourself, you're taking care of yourself, you're taking care of, you know, your needs, and maybe taking care of like, you know, I had some pets, I would take care of my pets and things like that, then getting married and having a family obviously, everything completely switched to the, the bigger, broader level, which is really taking care of people that you love and care about. And so that, you know, that continues on forever. For me. I just got the phone, my son in college, just a minute ago, before we started this, always great to catch up. And I don't think I don't think for me, I'll ever be satisfied with where I am right? I always want to be growing and learning and getting better.
Portugal? Yeah, we just, you know, we get up one day. So where do we want to go? Well, let's go. Let's go to Italy, or let's go to Monaco or whatever. And we just find out where the train was going. And we did it. That's awesome. So did you and your wife meet in Texas? Or how did you how did you and your bride across the University of Texas? Okay. Yes. Excellent. In
Joshua Klooz 13:56
why Houston? Why did you decide to settle back in Houston was or did you? Did you move away for a time and then come back?
John Boland 35:00
Our education system is doing a very good job of teaching kids how to solve problems, solving a problem, like here's a problem. How would you how do you solve it? You know, and and when you solve problems in the workplace, you're typically at a conference table with other people drinking coffee, and you're, you're solving a problem. There's a problem. How do we fix brainstorming? Yeah, that's right. That's right. Like in your world, the markets down 30% 20% interest rates are going high. We had a problem. How do we, how do we fix that? How do we, how do we go to our clients? Everything's been so good for five years, you know,
our business, the insurance premiums, have, you know, we've had fires, we've had ice storms, pipes break, we've had hurricanes, we've had cyber problems. I mean, you could just go down the list of all the, and everything's way more expensive. Now. That's a problem. Because the budget, right, so that's problem solving.
Joshua Klooz 2:22
Happy Friday. So
John Boland 2:43
Absolutely. So I was born and raised in Houston, Texas, and 55 years ago, so I'm one of the native Houstonians went to high school here and went to the University of Texas in Austin got a finance degree there. And shortly thereafter, was,
But nevertheless, I did and that was 33 years ago, and various stops on the way I'm still in that industry. My parents, my father was born in Amarillo, Texas. And my mother was born in Louisiana. And they met in in Houston over actually some, some, some, some charity work that, that they were involved in as young, young adults. And that's how they met. Got two sisters and a family here. And so it's all good.
Joshua Klooz 3:49
That's awesome. So, as you look back on your upbringing, are there any beliefs that stand out to you that your parents raised you with that you look back on that, that were formative?
John Boland 4:03
Indeed, there was you know, they both came from very humble beginnings and the the ethos of you know, hard work, discipline, accountability and responsibility were front and center at our kitchen table. And I was very blessed to have the support from a family standpoint that that encouraged courage me to do. To chase the dreams that I felt were were worthwhile and productive and gonna make me
just all sorts of jobs which It taught me the greatest lesson of all, which is, you know, work ethic?
Joshua Klooz 5:06
Yeah. So I always find, it's interesting to ask guests, their first memory of work. Do you remember the first time you you saw somebody that really, truly enjoyed what they did. Sometimes people have a memory that stands out to them, others don't. But you remember anybody in particular.
John Boland 5:27
Um, I would say my grandfather, he grew up in the Depression, and, you know, never went to college. I mean, that wasn't never in the cards, he had a family very young, and he worked in the timber business, you know, going all around the country, wherever the market was, and I finally got to an age
And I just want those values to kind of go down the chain to my two sons. Yeah, absolutely.
Joshua Klooz 8:38
So is, is you think of the events of life? Are there any experiences that you believe of? Stand Out of the shaping experiences, especially early on or maybe even you know, early on in your career.
John Boland 8:55
You know, I, I'll go back to my parents allowed me to be very adventurous and and, and, and chase my dreams as I mentioned, you know, again, we didn't have cell phones, we didn't have personal computers you know, call it in the mid 80s they just hadn't they were getting there but they weren't quite out yet.
Joshua Klooz 9:21
The garden hose was a sports drink of the of the era.
John Boland 9:25
And so and so one summer they they just allowed me and three other of my college friends we just said we're moving to California and we're going to get jobs. Now. That's that's a pretty bold move when you're you know 19 With no phone, you know, just a truck and we did we all move there. We found an apartment we got a lease, which was really hard. Nobody wanted to give us a lease. I mean, we didn't have any income. We finally negotiated it. And we learned we learned how to eat ramen noodles. And we learned how to, you know, pay our rent on time and we all found a job. And you know that, that sort of that spirit of, of teaching, you know, somebody, or your children or somebody or mentoring or whatever, those are just invaluable lessons of, of, of learning how to grow as an individual and, and, and achieve, you know, the responsibilities of making something like that happen. I also want you know, my had friends in Europe that were going to school there and I we literally got a six week Eurail pass and our backpacks. And we flew to Europe. And in fact, I have a journal that I wrote in every single day. It's right up. It's right here in my house. Every minute I wrote every day, for 10 minutes, I wrote exactly what my experience was. That's the most valuable document. And I've showed my kids that because I think the art of writing is kind of a lost art. We've talked about this on a prior occasion. So I think just that that individualism that they allowed me to have was a watershed blessing that allowed me to grow into the person I am and the the man that I am.
Joshua Klooz 11:27
So I can't let you off that easy on the California experience. So how many friends and then you know, I'm envisioning, like, you know, unfurnished blow up mattress environment for your apartment. And then what, what, what job did you do? Like, what would you find?
John Boland 11:49
There was four of us. Okay. We got an apartment that had four little single beds.
Joshua Klooz 11:59
Oh, wow. Okay.
John Boland 12:02
No air conditioning, but you didn't really need it.
Joshua Klooz 12:04
to California. We talked about
John Boland 12:07
Venice Beach. Okay, now, it was a little. We weren't on the beach. But we were in that community. And I found a job. Oddly enough in the financial services, industry, life insurance, financial planning, very similar to what you're doing right now. And I found a mentor there. And it was was it was long drive to get to their office. But he was, he was a great man. And you know, he brought me in, you know, and, and paid me and was flexible with my hours. And we we hung out a lot. And so that was a blessing. You know, it was truly truly incredible.
Joshua Klooz 12:54
That's awesome. I I'm afraid if I ask too many stories about the Europe experience of I'll never get off of it with our time. But you said six weeks. And where did you start? Where did you end? In Europe?
John Boland 13:09
We started in Barcelona, Spain. And I flew back home from London. Oh, wow. Okay. And we went everywhere from Italy, to France to Germany.
The insurance company that I got a job with what after I did training, they assigned me back to the to the Houston office, which was logical for me out of context here and my roots were here they had that an opening. So it just it just made a lot of sense. And I you know, I'm just a big fan of the city. I just I you know, I'm partial. Let's put it that way.
Joshua Klooz 14:31
So soon as you think about your your early career, are there any difficulties or struggles that you encountered early on that you look back on and you say, man that I'm so glad for that?
John Boland 14:44
Of course, there were a lot of you know, there were a lot of times where you are, you know, you you know, when you're in business development in particular. You always look back and say well, I should have could have would have done this differently and I would have had this type of success compared to this type of success and comparing is kind of a dangerous lane to be in, I think we can always do better, right? There's no limit to what the human spirit and, you know, the brain can do if one wants it. You know, I would say that, that when I transitioned from being in an insurance company to being in the insurance brokerage side, that was a, that was quite a transition, you know, because there was a bit of safety working in the insurance company, you know, the salary was not as risky. And so when I dipped my toe into the, into the big boy pool, or big girl pool, or whatever that was, that was, that was a bit scary. But it's all workout.
Joshua Klooz 15:56
Yeah. As you are there any stories that you remember, within that time of goals that you had, or just different different things that you look back on? That were memorable?
John Boland 16:11
Um, there was a lot of there was a lot of a lot of great memories and a lot of, you know, disappointment. I mean, there's, there's a lot of them. You know, I wouldn't say I try to categorize one particular instance, where there was one deal that you got, you know, certainly there were some of those that were, you know, euphoric and exciting. And, you know, wow, how did I do that? You know, well, you did it, because you were prepared, you know, you, you did it, because you were, you had an opportunity and you prepared accordingly. Then there were those that perhaps I was not prepared accordingly. And I tried to do something that wasn't in my lane, right. So you know, one of the key things I've learned in life is, you know, know what you know, and more importantly, know what you don't know. And be be ready to tell people, you know, this is not my lane lane. But I can find someone within my organization, for instance, that can do that. And I do a lot of that today. There's a lot of specialties that I'm not experts in, but I'm not an expert in but I've got the teams of people that I know who to reach out to and, and not promise something that I can't deliver. But I think those are all too numerous to try to figure out one.
Joshua Klooz 17:28
Yep. Are there any mistakes that you look back on that you made that you're like, you know, hey, that was a mistake. But I'm glad I made it because of what I learned on the backside of it. Anything that stands out to you in that regard,
John Boland 17:43
I think I've made a mistake. When I I kind of moved around a bit in my career. I'm now with Alliant for almost 19 years. And I believe that, that stability and being committed to to a team that's always changing, and it's not perfect. There are days where I like I don't, I don't agree with this or whatever. But I've learned that early in my career, I you know, I was quick to jump if it seemed to be better. And I felt like those those kind of moves. As I told my son, my other son is now working in Chicago as a consultant. He just started his career a couple of months ago, and he's working long hours. I said, Look, you you got to get two to three years, at least on your resume and high performing and then not that he's complaining. He's not but I just feel very strongly that you know, you don't, you don't want to be the person that moves every 12 months. And I kind of moved around a little bit at the beginning. I wish I had stayed in one or two of those places a lot longer.
Joshua Klooz 18:54
Are there any mentors that you mentioned the one gentleman in California there any mentors that were instrumental in your career, that you think you look back on you say, man, with that person's influence, they help steer me to the path I'm on today?
John Boland 19:14
Certainly. I don't know if you want their name. They're no longer Yeah. Yes, there was a gentleman that was not just a mentor, but a dear friend. And he was a just a not just in my industry, but he ended up well, he and I almost went to business together. I decided I couldn't do that because there was too much risk having a family that back to that question about providing I just, I couldn't take on that risk. But he did it very successfully. And we had worked together for a number of years and and he ended up getting an MBA, he ended up getting a PhD. So he was a doctor. He ended up I'm becoming a professor at University of Houston. And this is all the same time while running a consulting firm. So he was, he was the guy that that, you know, he was, he was so brilliant and smart and taught me so much. And it was kind of funny, because, you know, we, we used to have competitions of who would get in the office the earliest, right? So I'd show up at 515. And his car would already be there. I'd be like, yeah, that's not right. I, you know, I'd beat him sometimes, but not very often. And, and, uh, you know, you want to align yourself with people that motivate you, and, and, and help you to grow. Right. And that's what that gentleman was.
Joshua Klooz 20:50
So one of the other topics that we dive into, that I think would be fascinating and interesting is what we call that, or what Arthur Brooks calls the happiness portfolio. And he talks about how our happiness in life can depends, some studies have shown that it depends somewhat on just our, our DNA, our genetics, right, some of it depends on big life events that we don't necessarily have control over. But 12% of it is our habits to what you're talking about. And we can control our habits. And so the one where he talks about the happiness portfolio, as he says, you know, our faith, our family, our community, our friendship community, and our meaningful work are the four things that we have kind of control over those, those habits of that portfolio. And whenever those one of those four things starts to get out of out of sync, it typically is a drag on on the total portfolio to a degree. I'd be curious from your perspective, if that any of that rings true to you, and then how you've been able to keep those four things in play. And in tandem?
John Boland 22:05
That's it? That's a broad question abroad. I agree with the 12%. And I think, I think probably most human beings would agree with that. Now, whether they're able to achieve that, and live it every day, that's hard, right? It's hard to, it's when you have relationships, and you deal with people and co workers and marriage and children and family and cousins, and aunts, and uncles and nephews and nieces. You know, it's interpersonal relationships. And those are, those are, those are what we have on the surface, you know, interpersonal relationship, and they're not always perfect. If they were always gonna hurtful, then we wouldn't be talking about all this. I do find that, that if you get off the center of those emotions one way or the other, it can certainly affect your happiness. I mean, there's so many. There are so many things in our world that distract and I think can take away from happiness that, like you said, a lot of it's out of our control. But I believe that the elements that you just described are certainly foundational. Not just for me, but I would think anybody that that, that that's trying to live their best life right?
Joshua Klooz 23:33
Now, are there any rhythms that you found or creative ways that you found to keep your family rhythms in sync? Because I think even with the current trend of everybody working from home to a larger degree, and hopefully coming back to the office to a degree, that's harder, because now works is encroaching on your space at home. And it was easier to keep things kind of segmented, but now it's a little bit blurry. So I'm just curious, have you found any creative ways for yourself and your family personally, to keep you know, just your family rhythms moving in this in a in the same direction?
John Boland 24:12
I think a lot of it comes down to planning your time and planning as much as you possibly can. With everybody, like I'm a big proponent of okay, what do we got 3060 9120 days, like, what? What does it all look like? What are the needs of others? And how do I make sure that I'm involved in, in being included and being available for those first, you know, and then vice versa? Like, here's mine, but you can't, you're never going to have them all aligned. But I think if you Yeah. I don't want to go do that. Oh, yeah. Well, you do. Okay. Well, I mean, we got a problem. But I think that I think that you just trying to be very disciplined. And in the planning element of everything helps me.
Joshua Klooz 25:10
One of the common themes that I hear from individuals, especially men is that it's harder to maintain those older friendships. The older we get, it just takes more work than, than we anticipate. Be curious, from your perspective, have you found any ways that have have helped you maintain some of your friendships is as you've either been distance from those friends by geography or, or just work?
John Boland 25:42
Josh, you're not old yet. So you know, you've got some time to figure this out.
Joshua Klooz 25:46
That's why I'm asking you.
John Boland 25:48
You're asking my counsel. That's fine. I know where I know where I am in my life. I'm totally comfortable with it. But it's very interesting you say that? Because Are you asked that because I am so fortunate that the people that I went to high school with we are all not all, but there's a lot of us that really keep in touch and really try to get together and really communicate. And we have a lot of common interests. And fact, we had a we had a gathering recently, at a friend's place down on the day that you know, he has a fishing boat, we rented another house was like nine of us, we do it every year, and people come in from all over the country. And it's, it's an incredible experience. And you're right, it's hard. It's hard to maintain. Not just those relationships, but it's really hard to build new ones. Right? It's, you know, you might work with people a lot, but to be really building a friendship, you know, after 50 collet. I think that's extremely. Not extremely difficult, but it's harder, maybe I should say no better phrase, it's more difficult, right? Because when you're young, you're open, you're like, oh, cool, I like that person. Wow, that's neat, they do something, they they do this activity, I'm interested in that maybe we can go hang out, you know, let's go to their house or, you know, but, you know, once you get down the road a little ways, you know, you get a little more stubborn and you're you know, you're kind of set in your ways and you know, doing taking on exciting new challenging things that aren't in work or with your family. I just don't seem as common. But But back to your original question. I I'm very fortunate I have a pretty large group of people that I've known for 35 years.
Joshua Klooz 28:00
That is that is really unique. And really cool, especially considering how big Houston is that that you're all able to stay in touch. You think that the four winds would pull you a little bit more than that, but that is awesome. How do you challenge yourself to develop new friendships? Have you found any any ways that have made that an easier thing for you?
John Boland 28:27
You know, being in business development, I think I'm always trying to be people's friends, you know, that some probably more superficial than actual, you know, friends but also through through faith, you know, that's a great platform as well. I mean, for me, I know for some people, maybe not but for me, that's that's a good gathering spot that you can meet like minded people that want to spend quality time you know, but, but I don't, I don't necessarily seek out a bunch of new quote unquote friends. Because again, I have a lot that I try to divvy up my time with those folks as much as I can.
Joshua Klooz 29:24
When you think about work, I know a lot of just our society as a whole work is meaningful because a lot of our friends are a part of our work. It takes up a lot of our time. I know for myself personally, I I really thoroughly enjoy what I do and you know, as long as the Lord makes me you know, intellectually capable, I want to do this to the day I die, right. But I'm also know that hey, the market may get to a point in my later years where it may not value I have to offer. And so meaningful work will take on a different a different than that. I haven't quite worked that out. But I'm curious, have you given any thought to, you know, how you will still maintain a sense of meaningfully contributing, once you're not doing what it is you're doing now? Or, you know, even if, you know, some people call it retirement, financial independence, whatever the case may be? Or are you crazy, like me and want to work as long as you're able?
John Boland 30:32
I mean, I have a fortunate career, you know, I have a lot of flexibility. got, you know, I get what I put into it, right, I get out when I put in so it's, it's really, some days are supercharged, you know, we're as motivated as anybody. And I'm going to work late in the evening, and I've got great ideas, and I'm just on it, then there's days where I'm not, you know, I would say, looking down the road. I certainly want to keep going beyond 65. You know, and I feel like I've built up enough of a, of a, of a, of a network that I think I should I should be challenged and able to deliver, you know. But But yeah, I think it's, it's different days have different levels of what that looks like, you know, some days like, Man, I don't want to, you know, I don't want to deal with this anymore clients and this and, you know, in some days, it's great. Wow, I want to do this for another 25 years, you know, so I think it changes, you know,
Joshua Klooz 32:00
I'm curious for your thoughts on this, too, is is so much of our society, our idea of traditional work changes. Have you seen anything that stands out to you as far as how to keep people engaged? When what we're doing is less and less collaborative, it's more screen based, I mean, neck, we're communicating over a screen right now. But it we're kind of displaced. We're not in the same office all the time. And it's more service based rather than tech, technically based rather than it or me more so than it has in the past? Have you witnessed that? And have you had Do you have any thoughts on how to still maintain the key essentials of what we've we've always seen as the traditional relationship with work.
John Boland 32:58
You're saying with like, co workers and the workplace and yeah. I don't think it'll ever be the same. Unfortunately. I think that that, that what happened in society, because of the COVID, has been terrible for particularly young workers who have not had the experience of collaboration, perhaps like you and I have where you were in the office, you know, every day unless you were traveling somewhere. On the other hand, I think there's a lot of people that were our offices located. They don't live anywhere close to that. And they were being asked to get up, you know, at 530 in the morning, and one parent took the kid to school, and then they didn't get to see the baseball game and stuff like, yeah, there's a, I think there's a balance there. I think that that firms are struggling with that, to decide what their policies are, and I would say that I'd rather I'd rather be in the office with my co workers than over a screen but again, I, I respect, their, you know, their health needs and their, you know, their family needs. And, you know, I just, I tried to do the best I can, over the phone and over the computer, but we we have a lot of people that do go into the office a lot. But it certainly has been a I think from an inner from a from a human nature standpoint, humans are meant to interact together. They're meant to be around one another. They're meant to be face to face. They're meant to you know, I told my I keep referring to my sons, but one of the biggest things that I think is a problem is that I don't think that our I don't think
So, you know, back to the collaboration, I think people solve problems and collaboration together. And hopefully, we'll get back as much as we can to the old way.
Joshua Klooz 36:08
When you touched on a little bit, but what I, I'd love to get your thoughts on to when you talk to your sons, especially? How do you teach? Or how are you You counseling them to seek out mentors? In our current work environment? You know, how do you see how have you counseled them on Hey, here, here's just go find them, right? Or what are you? What's your thought, then as you look at different folks, because it occurs to me that there's there's somebody that's working from home that has great quality of life, but doesn't have any frame of reference to know that they're missing out on? Yeah, on a value?
John Boland 36:46
That's a really good question. And it's a really hard solving that problem is super hard. Because when they're out of the nest, and they're gone to college, and they're in the workplace, you can say it all you want, but they have to learn it when they were younger, right? They have to learn it when they're young. Because if they don't, if they don't learn how to reach out, and how to engage, and how to ask questions, and how to say, Oh, this is, I want to be here. I'm down here, but I want to be here. How do I get there? You know, if they haven't learned that, you know, from me already, then, you know, I can only do so much. I mean, it's just it. It's almost like, you know, I mean, I don't want anybody telling me to clean my room, right? Like, I don't know, I'm not gonna listen to anybody telling me to clean my room, just like they're not gonna listen to me. If I tell them to clean their dorm room at college right now. I can suggest I can introduce, I can give them advice, I just hope that you know, that it's delivered into their heart and their soul, that they've learned something prior to becoming young men. You know.
Joshua Klooz 37:59
In that vein, one of the things that I've tried to do is crystallize has some of the principles that have been important to our guests. Some people call it like an ethical will. But ultimately, it's as you as you survey, you know, hey, those things that have made me who I am today and have been good to my parents, even my grandparents, even, what are some of those principles that it doesn't necessarily have to be, you know, sacrosanct? Or it doesn't have to be in order. But as you look at it, like, Hey, these are really important things that I want my kids and my grandkids to have a part of their lives going forward. Are there any that that jumped out to you?
John Boland 38:45
I mean, to me, just honesty, respect, hard work, you know, you read about, you know, people trying to take shortcuts doing things that are unethical, and they always, you know, always ends up catching up with them, you know, and I just, I just have never think, thank the Lord and my parents, I've, I've never, I've never been that way. I mean, there's only one way, you know, and that's to work hard, and to be honest, and say when you can do something the same and you can't, and be transparent, and up, put your head on the pillow at night saying, you know, I'm doing the right things. So, I mean, for me, it's just seems simple, but unfortunately, we live in a complicated society, that things are never simple anymore. A lot of challenges. I think the you know, I think the I think that the, the computer world and the internet and all that is, I mean, you know, I needed to make a hotel reservation. I got on my phone and made a hotel reservation. I'm flying out of town next week. I made an airline reservation. That's pretty awesome. You know, that's pretty cool. I was a kid you had to have a paper ticket to get on an airline literally had to have the ticket or you couldn't get on. You know, and so I mean, that's pretty cool. But there's also another side to the whole social media stuff that that's a whole nother issue. But, you know, you know, again, I think that those values of being just, you know, honest, hardworking, doing what you say you're going to do being on time. Does seem pretty simple. But a lot of people don't seem to be able to do that.
Joshua Klooz 40:33
No, absolutely. John, thank you so much for your time today. This has been such a treat. We're so grateful for your time and look forward to future conversations.
John Boland 40:46
I appreciate it. Have a great weekend. I look forward to the next conversation we will have.
Joshua Klooz 40:54
Thank you again for joining us for this week's conversation. We trust that your time is lucky, both enriched and inspired to better invest your own intangible balance sheet. As always, we wish you and your family continued truth, beauty and goodness on the road ahead. The opinions voiced in the wisdom and wealth podcast or Josh Cruz are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. Past performance is no guarantee of future results. investing involves risk including possible loss of principal. No strategy assures success or protects against loss. Guests are not affiliated with Carson Wealth Management LLC. To determine what may be appropriate for you. Please consult with your attorney, accountant, financial or tax advisor prior to investing. Investment Advisory services are offered through CWM LLC and SEC registered investment advisor. Alright, dress locally is 7080 US landing Boulevard Suite five Saturday for Woodlands, Texas 7738
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