How to Build a Legacy Without Debt | Real Talk for Young Adults About Money, Work, and Purpose

What does it really mean to live debt-free — and leave a legacy that outlives you?

In this powerful episode of The Hoel Truth Podcast, we reunite with Zoe Mann for an unfiltered conversation about work, money, influence, and what it takes to make meaningful, lasting impact.

From buying her first car in cash to becoming a certified financial counselor, Zoe’s journey proves that living below your means isn’t just smart — it’s transformational. Whether you're a high school senior or a young professional, this episode will challenge how you think about success, struggle, and the story you're writing.

Transcript

When you're 80 and you're looking back at your life, what do you want to think about? What do you want your legacy to be?

So we were we were just at a Dave Ramsey event and, they proposed a question at one of the, it was a leadership event.

At one of the sessions it said, like, what would your community not have, if you weren't in business?

I don't want to say I want a building named after me, but I truly want my grandkids and my great grandkids to to hear a story where it's like he sponsored a class for my mom and she was able to be a stay at home mom.

Like what? Whatever that looks like generation, the generation that it like. I mean, it's like, the change and the legacy that I'll never I'll never know about this side of heaven. Like, that's that's that's the goal. So it's cool. Yeah.

now I want to push back on you. And I'm going to encourage you to make sure that you're going back to high schoolers, anybody that you know, because I know you're still close enough to that age group, that you've got some influence there. Like, have you been able have you been able to influence any any people going into college yet?

I hope okay, I hope I have I definitely tell people I was in, I was and I know there were other people in my graduating class that went to Ivy tech, but I was very public on I'm going to Ivy tech. Like, I remember posting a picture of my first day of me going to Ivy tech, and I had I drove a 2010 Ford Fusion, and it had a dent all down the side of it, and I bought it like that because it was way cheaper.

Denton and I bought it in cash and I posted that, and I was just like first day of college, like hashtag commuter, something funny like that. And I try to just normalize it. It's normal. It's real. Like I yeah, I try to tell anybody I can. Like I went to community college after that. I went to an IU satellite campus.

And it's just it's been so beneficial for me. And I have a job that I would probably like. I truly don't think that me going the route I did hindered my job or my career search after college, and if anything, I think it helped it. It boosted it because I was able to I have, I think maybe I had two years of sales experience in college, and then I worked in banking for a year, and then I'm in the position I'm in now, and it's like, I probably wouldn't have had those experiences and working if I was going to a state school.

So did this Ivy tech or, Ivy. So yeah, you're okay. Did they help any with job placement, anything like that? I would, they do. Okay. I know Ivy tech. Really? I think they did very good at being a part of that. I remember going out, we had, like, some kind of a senior thing at IU East.

And IU East has a it's a small community, but it's really nice because they do have that. They do want it to still be like a community, even though not a lot of people are on campus. I remember sitting down with, like towards the end, they wanted to know. They're like, what is your plans after graduation?

Like, tell us what's going on? And I, I knew what I was doing because I had other I was staying with where I was at getting a promotion, these things. But I do remember I had friends who were like, hey, like, I don't know what I'm doing. And they did, you know, they were trying to help. So when did you start?

You had a credit union, kind of like when did you start working for that credit union? It was. It's I actually had my one year work anniversary, like a couple weeks ago. So you were. So you had a job for six, seven, eight months? I think I see, like, once again, that's one thing nobody talks about.

Like, you got a job, you know, you may not been doing exactly what you wanted. You may not been getting paid exactly what you I, I didn't like my job. Okay. Where I was at, I mean, I didn't not I love my job. Don't don't don't fire me. I but I was a teller. I was on the teller line, and I was like, I don't like this is okay.

Like, this is not what I want to do forever. I do not want to count that cash. I don't want to make cashiers checks forever. Like, I don't really like this that much. And then they were like, hey, like, we're really interested in you. We think you do a good job. And I'm like, really? And you're like, let's teach.

We want to teach. You like lending. We want to teach you. We want to teach you more about, you know, working with members, being be like opening accounts, like doing things more than just sitting on the teller line. Nothing. Nothing against being on the teller line. But I it wasn't enough for me. Like I wanted to do more and they really invested in me.

And so, you know, I'm a better employee because of it. I was just I was telling, I don't know if you got it on video or not, but they're they're paying curriculum for me to become a certified, credit union financial counselor, which is really unique. It's not a degree, but it is. It is a certification.

And I'll be able to sit down with members at our credit union and be like, hey, here's we're going to work on the debt snowball together, or, hey, we're going to find out a budget. Where's your money going? Sitting down with them and doing stuff that's, you know, really changes people's lives, like being financially secure. It brings you so much mental peace.

It just physical health is better when you're financially okay. And I'm not meaning, like, I make $100,000 a year or I'm worth millions. I just mean, you're not living paycheck to paycheck. Yeah, but the crazy thing is, you're going to look up in ten years and, like, it's like, we've been doing this now for 14 years, and it looks like an overnight success if you see it.

But it's not your eyes or, you know, literally, I just had this conversation like we missed Build a Home last May. And that's a goal of mine. My my original house in Glenwood would fit in my garage right now. So granite we drive two diesel trucks. So the garage is a little oversize. However, it's like, you know, and like, I don't even like when you're your age, like, oh, I want this big house.

Like, my main thing is I bought that house when I was 21. I just turned 22. I think I bought it when I was 21. Closed on it at 22, technically. And the amount of people that made fun of me for that, like. And I tell everybody I can like, and I don't do it as much anymore.

But all the new and team members that we had, I used to drive them by my old house, especially when I was training sales guys. Here, let me show you my house. They're like that house. I'm like, yeah, that's cool. Like two bedroom house in Glenwood. Like there's nothing sexy about it. Yeah, but it was so functional. And it goes back to like it goes back to your degree.

Nothing sexy about a degree from now, however, it really stinks. You know, I didn't I, I do remember I went out with, we would go to like a bar in Oxford, Ohio, because it was close enough to where I was at, and you could get in because we were under 21 and we had axes on our hands, and it was so cool.

And I was like, man, there's people do this every weekend. But you know what? I don't that's not me. I don't want to pay for that. I don't want to be in debt for that. Well, I mean, and that's another thing is like choosing like what you do. Like there is also, you know, what does it really cost to live like?

What does it really cost to go to college, like the room and board or the party and or the food plan? Like, you know, it's it's it's it's just crazy and you know, and then like, and I know you're not at this point yet, but you're not that far from it. Like when you get married and have kids, you know, Emily watched a lot of friends and a lot of people her age want to be stay at home moms and just flat couldn't afford it.

Like, my dad tells a story that there's one of our friends that my dad told me 100 times, like, you know, that woman's jealous of you, right? Because you get to stay home with your kids now. Poor girl. The last few years isn't a stay at home mom, but at least. And an enormous amount of flexibility, right? That she's not a slave to an 8 to 5.

And you know, and like and I'm very thankful that there are women that want to work in the workforce, like Ellie works for us. And it's funny because she stayed home on a Friday, work from home a couple weeks ago. I think there was a babysitter thing. And I'm like, like, just just get the phones answered, get the leads put in, enjoy your kids.

And like, she calls me at 2:00 and she's like, I can't wait to come. The office Monday she goes, this being at home with these kids, she's like, I can't sit down and do anything with mom, mom, mom and I just laugh because, like, I'm so thankful that she's willing to come to work, you know, I, I've told I told, my boyfriend that I'm with now.

I said, I don't want to be a stay at home mom. Like, I don't like it. It's I don't like I love kids, but I, I would go insane, like, I need adult conversations I need. So I love I love working, I love having a job that's hilarious because, when I went to go work for Dave Ramsey and I was a legit stay at home mom.

Yeah, and I worked with a girl, and she's like, I could never be a stay at home mom. And guess what? She's a mom. And it's hilarious because, I mean, Aaron, if you say this, sweetheart. Yeah, Aaron was just. This was going to be. That's me. I couldn't say I a her like. And she never like she never said anything to like downgrade a stay at all.

And that's how I feel. However like it was, it was just like there's no way I could do it. And now she is and it's funny and and. Hey, that's so funny. I was texting her. It's been a couple years ago now. She's like, oh, I stay so busy with these kids. And now our kids are in school, so she should have plenty of time, right?

It's just funny. And like I said, like, and if you want to or not, like, even if it's an extended two or 4 or 6 extra weeks of staying home when that baby comes, like depends when the what part time of year is cold and nasty like that importance of that. And just like I said, just the financial freedom that I really wish everybody could taste because, you know, and that's why I like these guys that work for me.

And, and I've had guys argue with me, well, you just build a house. It's easy for you to say, I'm like, you're 21 years old, but like, you know, and even my old brother Matt bought the old truck that I started this business in, and it's a rusted out, oh, four Chevy truck. And he still got it. So, like, that's a little bit of a reminder of, like where we started out, you know?

And like I said, it's there's so much piece to it. And I just genuinely wish that people totally grasp that. And, you know, and also just. Like, be willing to go through that struggle if that was, you know, my dad got laid off, two months before I started college. Yeah. So not that I was going to depend on him any for college, but when he's thinking, hey, that's my that's my parent, am I going to have to do something for like, am I going to have to because I will, I will I work full time and I actually had to help make the mortgage payment a couple times because of him being laid

off, you know, so like, you know, and, and I mean, my dad grew up, raised as a single dad, you know, he got remarried and everything, but he was pretty much a single dad, three older kids and just I don't know, it's just what, what them struggles to do. Like, you'll look back and laugh and be like, oh, wow, that that stupid dented car that you know, I mean, I love it still.

I mean, it's like I tell the story. Like when me and Emily started dating, she had this complete piece of crap. Nissan Altima. And, yeah, I think I had a least over driver's burnout. And I think drive was burnout. And I'm, like a math nerd. And the first time she's come to my house, she's like, okay, I'm leaving my mom and dad's, and I knew where she lived.

That. And I was like, what's taking her so long? And I remember walking out and my front porch, I called her is like, hey, I mean, her everything good? Like, are you okay? And she's like, oh, I had to stop and get gas. I'm like, okay. And then like, she drives by, I was like, wait a second, was that you just drove by?

And she's like, yeah. I was like, she's like, I didn't want you to see my car. And I'm like, okay, I'm not that shallow of a person. I'm going to not date you because you have a crappy car. But, I mean, that blew up. She drove an $800, a Dodge Stratus that we bought from her aunt and uncle, that her cousin, Josh Henderson, Elisa started driving it, and I think Elisa took care of it.

Josh, being a teenager, I think he ramped everything that happened. And I went to change the oil one day, and I couldn't hardly get the plug out because it was almost, ground off from all the times had been, it had been him out. The oil pan had to be thin from that. It last six months. It was that $800 car that's back when scrap was worth something.

I got 400 bucks out of it. Cost $75 a month to drive it. I am quick, I'm good with quick math. He's better than me. But, I mean, I honestly like hey, Joe. Yeah. So yeah. Please, please. I heard his boss is a jerk, but but I mean, it's it's the struggles. It's having to pay for your prom dress.

Yeah. That, I guess maybe we should normalize a little more and just. And use it as as a building character. Because you will look up one day and, like. And I want to give my kids the world. I'm. I'm not. I mean, I'm building the freaking cattle barn right now. That's awesome. And the same like me, like I, I've thought about now I'm like, okay, you know, graduated debt free.

I want to make sure my kids can do that. Right. And I want them to work, of course. But in my head I'm like, oh yeah, I need to set myself up for me and my family. Like, we can we can help them go to college like that. Yeah, but if you had that conversation and maybe they still go to a very reasonable price, Ivy tech or whatever there is at that time.

Because and just like, you know, like, here's my conversation, like, how do I start my kids up here and, like, propel them like Dave Ramsey? He's done a fantastic I mean, fantastic job. Nobody wants to talk about what his kids do because it isn't a failure. It isn't a, you know, Miley Cyrus that went crazy. You know, like and like I get it.

There is a lot of people that were successful that their kids went down the wrong path. But like, if we could set our kids up here to propel up like within five years, they'll be way higher than we are. And like, how cool. Like, that's. No, I mean, to me, unfortunately, in this world, really, it's all in your parents that ever want to see you truly do better than them.

So, you know, yeah. That's it. It it's awesome. Like when you told me you did this, like. Because, I mean, me and Emily talk about it all the time, and we go all the classroom visits. Yeah. And it's like, finally now, after talking about for like, 14 years, like, I feel like we're finally getting people to, like fruits of our labors are finally paying off and like, and I, I don't do it for this.

I mean, I love this kind of opportunity. Like, I genuinely do it, just because if it is just one kid that makes an impact, like what? What impact are you going to make at the credit union? Like that is something that, you know, me and Emily helped plant to seed that in 20 years, like you're going to impact hundreds, if not thousands of people.

And just from that, and then if there's 20 people that do that, like. Right. And I don't I don't know if I will work in banking forever, but I do know I really enjoy, like the idea of like, financial counseling. I love the idea of, hey, like, let's, let's figure out how to do this, right. How do we going to get you out of debt?

How are we going to, you know, speaking with people about budget stuff like that, I enjoy it. I'm intrinsically motivated by it. It's more than a paycheck to me when I go to work now, I genuinely love to sit down with my members and be like, hey, what's going on? Well, how can we fix this? You're paying, you know, X amount of dollars, a month or, you know, people are paying 24% to 30% interest rate on a credit card.

Hey, let's balance transfer it and get it at 5%. And then we'll make a budget so you can pay it off. Well, if people just do the math. Emily had a small car loan that she paid off pretty quick. And then we had a very small mortgage when we lived in Tennessee. Other than that, like, Emily's never had debt like, so she doesn't like, sometimes I'll pull up, like, something and show her, like, what the interest would be paid on something.

And she's, like, truly, no wonder people are so broke. Yeah. Like, I mean, and I always say this, like, when people argue with me, I'm like, Dave says this all the time, like buildings bigger the bank or your house. I mean, there's a reason I get it. I work with people like you. I work in banking. And you know why?

Why do we put so much emphasis on lending? It's because that's how the financial institution makes money, right? Granted, I do think if you're going to lend with anywhere, even Dave Ramsey says go with a credit union, you know, your profits, the profits do go back to members and ways, you know, in CD interests, other things like that.

But yeah, like that's your, there's, there's a reason that banks are always going to be around, like there's a reason that lenders make so much money. There's a reason that credit card companies make so much money. And I tell and I'm you know, I'm not anti if you do whatever you want to do but, you know, credit card points, if you made 1% back on that thousand dollars, think about how much money it's you're getting charged on interest like they're making way more than what they're giving back to you.

Well, I'm like and I think Dave says this in his class, like, you know, this is probably 40 years ago now. I'm joking, but well, first time that McDonald's started taking debit card, like I think the average size went up or the average order went up 43%. That's wild. Now, I will admit this. We use credit card inside the business.

Hey, now we're also spending like once again, it's a lot of money, I get it, I could use the debit card, I get that. What? One thing that I really like about the current one we use is on the bills. It shows who did it. If Adam did, that's cool. So that's more itemized for you. It's more easier to follow.

Plus we're buying gas every day. We're buying material every day. So like it's not like I'm like, oh, you know what? For Zoe's job, we're just going to spend an extra 500 bucks here. I would rather give Zoe 500 more dollars than me. Make 500 more dollars profit. That's right. It. But you know, so. But it's always. It's always funny.

And like, I've been in business now long enough, it feels like that people want to argue with me. And then it's a. It's always funny, though, for me because, I've got some good friends. And they own a very large roofing company. And Dave Ramsey changed their life. That's awesome. And like, it's it's kind of cool.

They know so. And I won't say any names because it's, it's really nobody's business. But they're looking to sell their business for millions. Okay. And he called me one day and he said, who do you trust with your money? He goes, I've talked to so many people I've never trusted. Well, me and Emily were fortunate enough. A little over a year ago, we went down to this legacy event at Dave's office, and there was like 20 of us in a room with Dave.

And me and Emily were the youngest people in there, and we were the poorest people in there. And that's and that's honestly the best room for you to be in. You. Yeah. You're the youngest. You're the dumbest. You know? You. Yeah. And I wasn't intimidated one bit. And I met Dave's personal financial advisor. I didn't even talk to the guy, to be honest, because I'm like, you know what we're at right now?

There's really not much conversation to have with him. He reached out, wanted to connect. I've still yet to really talk to him much, but I connected them with my friend and he called me up the day after he talked to him. He's like, dude, Bob, I've never trusted anybody with my money. Good. And and I mean, there is there are friends, people that may watch this, that connected them with their financial guy, that he didn't he didn't trust them at all.

He's like, I truly trust him. I was like, well, he literally takes care of a lot of Dave's financial investments and Dave's kids. So like, I mean, and the guy's great. Like he still stays connected with me. And he says, like, Bob, I'm here. I'm a resource. Whatever you need. Like, I understand we may not do business today, it may not be next year, but to have like that was pretty cool, because this guy is way more successful than I am.

When it comes to business size, network, all that I was like, I was kind of humbled that he would call me and be like, hey, Bob, you're really the only guy I trust that's awesome to kind. Yeah. Guide me, you know, so that that's that's cool. Just because to be able to have them kind of connections, you know, and you know, like I said, like when we sat in that room, there was a guy sitting there and he had to be in his 80s and he had fracking and oil equipment and 24 countries.

That's insane. Like, I mean, that guy had money like falling. I mean, he had to have money for it, but he was such a humble the there's another there's another couple I remember there worth like $35 million. And they had a, they had a tire company and I think Louisiana and they had like two they had added like two locations.

They started from nothing. Like I don't know that. But they've had to live different. They've had to live below their means. And, you know, I really do feel like there has been a shift and probably the last 3 to 5 years of people are starting to kind of like make that shift, you know, and I see that. But then I also am in situations where I'm on TikTok and I saw I saw somebody today post going on vacation because I'm never going to pay off my $300,000 of student loans anyway.

So I give up like, we we can't we can't have that mindset as a society. Like that's it's detrimental to everybody. Well, and and we have sales guys inside our organization and our sales guys are straight commission. Yeah. So they sell, they make money, they don't sell, they don't make money. And we've had some guys come in here and absolutely crush it.

And we've had some people come in here and struggle. And if I'm just being honest and I'm not talking down on anybody, the people that came in here with money in the bank, very low bills, they're the ones still here. And I won't repeat what they make because it's really nobody's business. However, like it's a good living. It's very good.

Yeah. You know, and however like they've come in and done a job that, you know, I had one guy quit not that long ago was just like, great place to work. Kudos. The guys making it work. It's just not working for me, you know. So like, I don't know, this guy got so many opportunities, you know. And then even as a business owner, like, literally me and Ellie and Emily, we're having this conversation today of like to as a business owner to run it debt free to have to show some grace.

Like, unfortunately, she lost her dad a couple of years ago, and I think we gave her an extra week of just like, go, go, not heal because that's very cruel to act like you can heal in a week or two, but like go take some time and it's nice as a business owner of like, okay, I don't have to stress, like how am I going to pay her next week?

Yeah, kudos to Adam. He goes and volunteers every year for a week at Mahoning Valley Church Camp, and it's like, Adam, just make sure what needs to be done for the weeks done and go enjoy it. And yeah, of course, every week he's gone, I was like four things that pop up. I'm like, I got to get with Adam.

I'm just I'm I'm pretty dumb here, too. Zoe and I just found out about two months ago that you can delay, send text messages. You can. So. So you actually you can. Oh, absolutely. If you going Verizon to Verizon or. I'm sorry Apple to Apple. Yeah. So for Adam like he just the text message exactly 8:00. And I know I've scheduled that text but it's better than 230 in the morning.

I'm thinking about it you know because that's when I asked. Oh yeah, I'll be like, hey like not to bother, but like, I'm thinking about it right now. Like, I it's really cool. There need to remember that you need that the email too. If he didn't know that I didn't. So like literally like not. Yeah. So now every once in a while I'll go ahead and send an email.

Just so they know, I was thinking about it at 430 in the morning. It's keeping me up. But just just so they're like, oh my, what the heck was the boss doing at this time? You know? But yeah, like, I mean, and that was nice because there was a few things popped up or a couple things I took care of, and I was just like, just so you know, hey, I did it like this.

I hope it's right, you know? So, I mean, that's, like I said, it's. It's it's cool to see, like, a seed that we helped plant several years back now because we've been sponsoring Rushville School for probably close to five years. You know, I want to say I was in the class in 2021. Okay. But I don't know when you guys started sponsor.

Yeah, I it I mean what we're in 25. What are we the end of June I mean jeez maps like it was it's a you were already doing it when I started in November of 21, so. Yeah. So I mean, it's it's crazy. And, you know, one thing that you'll notice, like, so the problem with social media is it's really easy to see that one person that's being very stupid and very irresponsible, will be politically correct here for once, unlike taking a vacation.

I said, and saying I'll never pay off my student loans. But there are a lot more people that pay cash for stuff and that will say no or whatever that looks like. You know, and it's not, what I've learned is you'll start attracting more than people or even into your friends with somebody that is irresponsible. Like those sooner or later the come around and be like, teach me that, or show me that.

You know, like me and Emily are starting to see that. Like we've we've mentored some couples and we've met towards some successfully. And we had one couple come in here and I give them kudos for coming in here because they didn't really know neither one of us, but they didn't do anything, anything. And I mean, that broke my heart, you know.

But there's a lot of students. And when we go talk to the high school class, I always say this like, hey, you're probably not going to listen to much of this, but if I just plant a little seed, you know, and that's why I'm like saying, like, any chance you get, like, you know, if somebody asks you to come back and talk to the FFA or something like that, like go do it because people are, you know, and and I hate to say this, especially in 5 or 10 years, and I see living a different lifestyle and just maybe more at peace than like I want kind of what right she has over here.

Like I just we just built a house like, I, I really don't care what people think. Like, it looks big, but it's very it was very it was built very plain. More economical to build. And it's very my parents did that. It was more economical to build them, for them to buy a house. It's very efficient for what we want in a season that we're in, you know.

So like, I mean, I, I told to my the other day, they're like, you're building the barn back there. I was like, yep. So my goal is, Braden, if you're watching this on my bio one day, Braden Schultz owns the field beside, as I said, my goal is one day to buy that field. And I said, build a house.

And 20 years off that other road and I can look out my back door and see my grandkids messing with their forage cars. And one of my kids can be living in. All right, you know what I mean? Love that. Like so cool. Like, but that's the generation like the generational change that you can have here is, is nuts because like my kids like and they don't even understand this yet, but they don't.

They'll never have debt or they won't be in my will. But I bet, I mean, but I mean, now, like, I want to show them, like, I was fortunate, like my dad. And fortunately, my in-laws are the same. Like they drove junked vehicles. So I never thought I had to have a super duper nice vehicle. You know, my dad did borrow money.

It was on, like a piece of farm equipment that he was going to work and hopefully make money on. Or, you know, it was never a $90,000 truck. It may be a $4,500 truck, you know. So what is something that maybe, like your parents taught you that looking back, maybe you didn't see two, three, four years ago where it was beneficial, but maybe now that that you're like, wow, that that actually helped me there.

My my mom, she's very smart lady. Done very well in life, in work came from nothing. I mean truly like it was. Yeah. And she she made mistakes and learn from them. But one thing that I always, I genuinely think she did right was we she never she didn't spend a lot of money on shoes and clothes and she never had.

Well, she never, like, had anything crazy down with her hair, like she was a very plain and simple person because she would be like, I don't know why I'd want to spend hundreds and hundreds of dollars on this or that. And she, very much to me, had the minimalist life before it was cool. Just because she's like, why do I need this?

Why do I need to dress like this? Like, you know, and now I'm where I am at in life. And I see, you know, there's a trend of, you know, you this sweatshirts really cool because this, you know, musician made it or something cool like that. And everybody has spent $200 for it. And I'm like I don't really need that.

I have a sweatshirt or, you know, like, I doesn't make I don't need the brand, you know, because she was never like that. Right. So that's something I guess I really carry. And I think that's something we can kind of all reflect as we, as we, conclude here, like look at maybe something that your parents, you know, we've all got habits that we probably aren't happy or proud of that we got from our parents.

But like, what? What is something that we can appreciate because that just it really helps notice, you know, who for who we are. And there's nothing wrong with a nice truck or junk truck. There's nothing wrong if you go to wherever to buy fancy clothes or, you know, fortunately, Emily love going to goodwill. I love goodwill. Now, there's so many of these, what used to be goodies.

It's changed his name, like, 17 times since. But Emily can go in there and buy cheap clothes. Yeah, and, like, this is like TJ Maxx settings, but. Yeah, exactly. This is a nice enough top I wear to work like these pants are work pants for me. And I bought them at goodwill for like five bucks. Like. Yeah. And like yeah, I mean, and like I said, and there's nothing wrong because, like, one thing, when me and Emily did our debt snowball, like, when I do something, I kind of do it to an extreme.

And about every six weeks we'd have knock out, drag out argument. You're never going to let me spend money. I was like, yes, I will, but let's just clear this. And, you know, now it's funny because she wears more anti-wrinkle cream and night routine. I tell her she has to quit that because I don't look like that creepy old guy.

In about 15 years, I'm going to look like I'm, you know, 55. She's going to look like she's 30. And everybody's going to think she's with me for my money. They're going to they're they're never going to remember what you drove, Bob, but they're going to remember how good your wife was. I and I want her team to buy it.

Oh, yeah. Oh, yeah. Now, now it's like you don't even care. Like it's just like, yeah. Financial joke. Yeah. And I'm like, oh my God. What? And I mean, it's like a different box every literally their day this big box came in. I was like, I was like, what? Or what is that? And she's like, oh, they sent me some things because I'm part of this.

I'm like, all right, so that's fine. But no, thank you for coming in. And like, seriously, like, thank you for sponsoring the class in 2021 that I took. And I had no idea who you were or your company. And you came and talked to my class and I was like, I'm going to remember this conversation. And it's, you know, proceeded to be a connection I've had over several years now.

And, I mean, we're proud of you. And and like, I just yeah, it's a fun story to tell. Like I'm literally getting chills and the hairs standing up on my arms because, like, as a business owner, like I and I've said this from day one and people probably tired of hearing like it's way bigger than Bob and Emily whole like, yes, I started it.

I wanted a better life for my life. My young family, yes. But now it's like the impact. Like I talk about legacy and, you know, it's just like, this is part of my legacy that, you know, I don't know, I just like, I want to leave my mark on this earth, and I mean this like Ed Mylett says, it's like he believes one day when we meet our maker, that he believes that God's going to show you a picture of what you could have been.

And he wants to be looking in the mirror now. So I like that. As we, as we do conclude here. Like, think of that. Like think of that in your life. Like what? Leave it all out. You know it's the Pacers got beat last night. Little jab there Chris. But like leave it out on the court. Leave it out on the field.

And thank you guys for tuning in.