S2E24: YMI Talking to Spencer Davis from Davis Mortgage Team

A free therapy session – we mean a new episode – is live today! 

We had the pleasure of sitting down with Spencer Davis from Davis Mortgage Team. From his fitness journey to his deep dedication to family and faith, Spencer opens up about what drives him both personally and professionally. Plus, he shares what makes his team so special and how everyone has a vital role! 

Don’t miss it! 

#Podcast #NewEpisode #FamilyFirst #Teamwork

For more info on YMI insurance visit our website at ymiagency.com

Or give us a call at 610-868-8762 to see how we can better protect your business and family.

Transcript

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So then fast forward to 2016 when I'm 220 pounds and you know, I'm rolling places, not walking places. I was like, I'm going to go back to triathlon because I enjoyed that. So I called my buddy Brant, who's a great guy. And he's a pretty avid athlete. And I'm like, hey, Brant, I want to do this. Dewey Beach triathlon? I did it in 2006 and seven and I want to get back. And he's like in. So I had the accountability from him. And it just kind of it snowballed. I have a good group of buddies that I mean, I've ever since I've consistently been running, cycling. I don't swim all that much because I don't really like it's so boring being in pools lap after lap, but, yeah, it's I mean, I've gone all the way up to two Ironman distance races, so I kind of like went from fat, overweight guy who couldn't do much of anything. And I've learned that don't set limitations on yourself because you're the limiting. All right. We are here with an episode I have been waiting for for a very long time. When I started in the business, I reached out to Ty [...] he is a real estate agent in the area. And I said, I need a list of the best mortgage brokers in the area. And right away he listed this guy. Spencer Davis is, a force in the area. He is a family man. He is a mortgage man. He is just an all around great human being. And I'm so glad to have him here. So, Spencer from the more, Spencer from the Davis Mortgage Group, thank you so much for coming on. Yeah, thanks for having me. Absolutely. Let's let's dive in. I mean, like I said, Ty went to you right away. How long you've been doing mortgage here? And what do you love about it? Yeah. So I started, doing mortgages in the Lehigh Valley 2006. So it's been coming up on, I guess, just over 19 years now. I just love the interaction with people. Right. Like, it's just great being able to interact with with the buyers. And we're impacting their financial lives, right? Like most people, home is their biggest asset. The best net wealth piece that they have. And yes, sometimes it's not that much fun. But for the most part, it's pretty good. What attracted you to it? Was it your first career? No. So I have a sport management degree from York College of Pennsylvania. I thought I was going to be Jerry Maguire. I when I was in high school, I loved reading, like, law books, and I love sports. And then Jerry Maguire came out and I'm like, that's me. I'm going to be a sports agent. And I actually did, internship with a big athlete rep firm down in the just outside DC in Northern Virginia when I was a senior in college. And I realized at that point, like these agents, they travel all the time, they're going all the time. I would never see the agents. And we had some big athletes like Jerry Stackhouse and Michael Vick was like just coming out of college back then, it was a Falcons fan. Yeah. Oh yeah. So it was really cool. But I saw the agent that worked with those guys who's never around, and I knew that I wanted to have a family. So I ended up kind of getting into college athletics for a couple of years. I worked at a school in, Maryland. Then I worked at a school in Louisiana, in their athletic facilities department, and really enjoyed that, but met my wife during that time period, came back here, actually worked on the in the facilities department at Brookside Country Club, on the golf course now and, kind of fell backwards in the mortgage industry. There's very few people, I think if you polled everyone in mortgage in the Valley, all the different mortgage people and said, like, how'd you get in this business? I don't know that anyone would be like, oh, yeah, I was coming out of college and I knew I was going into the mortgage business. Like, it's kind of a hidden little gem of an industry that, a lot of people don't know about. And most people fall backwards into it. Yeah. And so how did you get started? So you fell into it. What did you start doing? Yeah. So my wife was a nanny at the time. And I think we were I guess we were married at that point, but we were we're very newly married, and she nanny for a family in our town, and we would go to, like, barbecues at their house and stuff because she was like a second mom to the kids. Right. So, the neighbors two doors up would always come down for the barbecues because they were really good friends with, the family that my wife worked for. And, that neighbor, the husband, he worked, he manage the mortgage company here in Bethlehem. His name was Tom Taylor. Really good guy. Like, if, you know, if you look at sports, there's, like, coaching trees where, like, you know, this coach, like, had all these assistants and there's, like, these big trees. Yeah. And Tom Taylor, he passed away a couple of years ago, to, early onset Alzheimer's. But, you know, he brought me into the industry. He basically said, hey, I think after meeting me a couple times, I think you'd be good at this. Yeah. You should come in and talk to me. And I'm like, I'm working at a golf course, making, like, 18 bucks an hour. Like, why not give it a try? Which is funny because at that time when I started, we had just got married within the past 12 months, we just found out, whoops. Like three months into being into being married, my wife was pregnant. We have a similar thing and. That wasn't our plan. I had like a five year plan, but God had different plans. And and then I'm like, yeah, I'll try this like crazy commission on the industry. That seems like. Oh, and we bought a new house at the same time. So I did like all the things you're not supposed to do at the same time. Was that an extra motivator, though, at that point? Like, you're like, I gotta make the sales. Yeah. I mean, I think so. But to be honest with you, like the income that I was replacing from golf course, like, as, you know, assistant, I wasn't even an assistant manager, like, lower level than that. Like, was the manager. Yeah, exactly. To the traveling secretary. Yeah, it wasn't significant. So I was definitely motivated. But, yeah, I mean, all of my motivation in life is to provide for my family, right? If I won the Powerball tomorrow, I probably wouldn't walk back into a mortgage company ever again. Right. But. Yeah. So. And I enjoy it, too. For the most part. Like, if I got to do something, I might as well do mortgages. Absolutely. But you've been successful, right? It's not like it was something that you fell into. And I've kind of just made a path. You've really blazed the path. Like you, you've really been sort of a trailblazer in the area. So, I mean, what about you or about you know, the Davis Mortgage Group has led to that success. So I think some of it is always hard work. Right. Like you, I think you can be better than a lot of your competitors if you just roll your sleeves up and like. The sleeves are rolled up correctly. So you it was really hard for me to roll them up to, I think if you just do what you say you're going to do and you work hard, like in a lot of industries, you may be better than 75% of your competition. So I think a lot of it was that like, and I had a couple situations where, like, I think I just ended up with the right opportunity, like when I started in 2006 and 2008, I moved to a Wells Fargo owned company that was a joint venture with a good sized real estate group here in the Lehigh Valley, and it gave me exposure to real estate agents in five different offices. And I still think I look pretty young now at 45. But when I was. Like going to talk about that now, secrets for that. When I was 28, I look like I was 19. So like I felt like, no real estate agents are going to listen to me. I look like I just, you know, graduated high school last month. But like when I went to that group, I had this this, exposure to agents that they kind of had to listen to me because I got to speak in front of their sales meetings, and I think they got to realize, like, this guy's pretty sharp. Like, he doesn't know what he's talking about. And I got opportunities and I absolutely worked really hard to make sure I made the most out of those opportunities. And I just believe you treat people the right way. And you do it for a long period of time, and you work hard. Like, it's hard for that not to be a good recipe for success. Yeah. And, you know, the Valley is such an interesting place. You're going to run into those people again and again, for sure. Talk to me about the relationships that you've built in the valley and just the your relationship to the Lehigh Valley in general. Yeah. I mean, I've been a lifelong resident, of the Lehigh Valley, but really primarily the, MEAC spin school district. And even if you want to get even more granular, Zionsville, like Upper Milford Township. Yeah. I grew up in an Upper Milford township, live there in Zionsville pretty much my whole life growing up, graduated from campus in 97. I did do some stints. You know, a year in Baltimore in college athletics and then a year in, Louisiana, which was. That was an interesting experience. But came back home and, you know, slammed it for a little while and lived in, Imus and McKinzie. But then we came back to the homeland of Upper Milford Township in Zionsville, and, yeah, I just I love the area. I didn't growing up. I never thought like, oh, I'm staying here my whole life. It was more like, you realize as you get older, like a lot of people do, that this is actually, like a pretty good place to raise a family. And, I love being out in the country. We have a couple acres where we live, and, Yes, it's it's a great existence for for me and my family. I was going to ask, what is it about that area? But I mean, I ride bikes and I'll go in that area and it's it is beautiful. It's you can be close to Allentown or Bethlehem, but it feels removed in some sort of way. Yeah. I mean, to get for me to get to my office. Enormous. Five miles, ten minutes max. And. Yeah, just to get into, you know, the west side of Allentown is a maybe 15. So. Yeah, we're pretty, I think we're pretty close to everything. But a lot of country feel, too, which I really, I enjoy. I like being out and outdoors and, you know. So I just humblebrag that I ride my bike sometimes. Yeah. Let's turn it over to you to get, like, a full on brag. Like, what do you do athletically? Like, you have the background in athletics, but I know you and I have met and you've always blown me away with sort of what you do, let people know whether it's running, biking, what you've done. Yeah. So, as a kid, I grew up playing, you know, soccer, baseball, primarily, team sports, and I never, I never I did not run. I, I hated it, actually, I didn't, I didn't I mean, I rode a bike in the neighborhood, right, with my friends, but, like, I, I didn't ride a bike for fitness. But. And I played a little basketball too. But then, so I get into my, you know, Mary, my wife, we start having kids. She we have a lot of kids. So every time she gains, like, whatever baby weight, I decide to, like, put on the same amount of baby weight. And, like, I look at myself in 2016 and I'm like, I see. I literally there's one picture. It's like burned in my head. I'm like, I look at picture. I was like 220 pounds. I'm like, man, I'm fat. Like, I look terrible in this picture. Like it was really like discouraging. And I decided at that moment, like, okay, I'm going to do something about this. I had done short distance sprint distance triathlon in like 2006 and 2007. I think just with a buddy, like it was kind of on a whim thing. And, I didn't really train that hard for I trained enough to do the races, but, and it was fun. And I enjoyed, like, the, you know, multisport aspect of it, but I didn't go anywhere with it or take it all that seriously. So then fast forward to 2016, when I'm 220 pounds and, you know, I'm rolling places, not walking places. I, I was like, I'm going to go back to triathlon because I enjoyed that. So I called my buddy Brant, who's a great guy. And he's a pretty avid athlete. And I'm like, hey, Brant, I want to do this. Do we beach triathlon? I did it in 2006 and seven and I want to get back. And he's like in. So I had the accountability from him. And it just kind of it snowballed. I have a good group of buddies that I mean, I've ever since I've consistently been running, cycling. I don't swim all that much because I don't really like it's so boring being in a pool that's lap after lap. But, yeah, it's I mean, I've gone all the way up to two Ironman distance races, so I kind of like went from fat, overweight guy who couldn't do much of anything. And I've learned that don't set limitations on yourself because you're the limiter. Like your body's not the limiter. So it's been a fun journey. I've actually scaled back a little bit on it now, where I do. Some regular marathons. Yeah, well, that's what I'm training for right now. I'm doing a marathon mid-March. So. So yeah, now I have, podcast accountability for making sure I have a decent marathon time, but the Ironman, I decided I'm not going to do Ironman races for a little while because I have a lot of kids and Ironman requires so much training time, that, there'll be lots of weekends where I'm gone for, like, the whole half of Saturday because I have to do a 6 hour or 5 hour bike ride, and I'll probably do it again later. But that's where I was going to go next is you said, you are your own limiter. Sleep is my limiter. I need sleep, I need eight hours. Do you sleep at all, Spencer? Yeah, I mean, I said you just have to go to bed earlier, right? But the reality is, if you get up at five, like, two, eight Tuesday, Thursday, I pretty much always run with buddies off the Parkway at 6 a.m.. So any listener, you want a group to run with 6 a.m. parkway, jump in. But, so those mornings I get up at like five, and then I usually ride the bike on Monday, Wednesday in the basement. But I'll get up at six and, you know, go mosey on down there. And then weekends we usually run like at 630. So yeah, I usually get like I wear my Garmin to bed all the time. So I'm trying to track my sleep and I try to get between 7 and 8 hours. And that just means that I got a we put our girls to bed at like eight, and we usually go to our room and I'm trying to be asleep by ten usually. So so my, my boys are usually awake like much later, like God knows how late my teenage boys do. But my oldest is ten and I have said goodnight to her because I'm going to bed. I'm like, I need my sleep. Yeah. So I get it. But I mean, you got so much, right? You've got the mortgage group that you're running, you've got, let's talk about the family next. You've got six kids. Walk us through, I mean, how you make the time for them and how you focus on them. Because I know from our conversations, like, you are a family man. So how do you find the time and what do you do to make that work? Yeah. Well, I mean, the first is I want to stay fit, but I do that at times that are inconvenient for me. But make life more convenient for my family, right. I'm not going to wait till the evening to go for a run and miss a kid's sports game or something, right? Like, So. So, yeah, I try to get through the training fitness out of the way early in the morning. I'm lucky in that my job, although it does have some demands, is pretty flexible, too. And, yeah, I try to work my schedule. I'll protect certain times. Like if I know kids, especially in baseball, baseball season is the big one. Spring and fall. We have, our boys all play baseball or all have play baseball. My oldest is is kind of he's kind of retired at this point in college, but, like I'll defend if I know when they have practice and I'm helping coach the team, I'm defending those evenings on my schedule, just like it's, you know, any other appointment. And, you know, sometimes that means if I'm coaching and I have to leave the office at 430 to get somewhere, I'm. That means I may be logging back on when we get home at 830 and doing an hour or two at work. To get done what I missed. But there's always enough time, right? I mean, there really is like, I think you create the right structures in the right processes to help you. And I have a great team. Right. And that at my office, if I didn't have them, I would have to work too much, and then I probably wouldn't be able to do as much with my family. But yeah, I just try to defend the time and, you know, make sure I can be where I, where I really where is important for me. I heard I feel like I'm talking the whole time and, you know, get talking. It's called why am I talking I shouldn't be you should be talking. I heard a cool quote on another podcast. I think it was on Nick bear. And like somebody I think his tattoo artist, he was interviewing or something. But, the quote was basically like, make sure, make sure you set goals worth achieving. And it was like going into 2025, they were talking about goal setting and like that, that really I already kind of felt that way. But it was like a great, like one sentence to help illustrate how I feel, because we can all set all kinds of crazy business goals. But if it's at the expense of my family, that's not a goal I want to achieve, right? There may be some goals from a business perspective or a professional perspective I don't want to achieve, because I'm not willing to make the sacrifice required to my wife or my kids. Or my faith to achieve those goals. So I thought that was a really cool, really cool, profound quote like about goals worth achieving. I feel like this whole episode is just a therapy session for me, where I'm listening and taking in everything you're saying. Yeah. But to that point, what goals have you laid out for yourself this year? So so there's obviously some from a professional perspective. Some of those are like numbers related. And who your audience doesn't want to hear about. Boring mortgage number. All we want to do I mean, we do want it. There is a certain number of families we want to help, which I that would be the one number that's actually like qualified. Like, we really want to help a thousand families this year. As far as, like the numeric goals outside of that, like dollar volume and yeah, yeah, that but and then personally, you know, I want to continue to coach my kids. And from an athletic perspective, I'm going to do, this marathon. I sign up for a 50 K at at the encouragement of my one buddy Brant, that I mentioned. So that's in May, and that'll be the longest run to run that, just pure run that I've done. That's more than A5K, right, a little I've done some five kids. Yeah. It's just I, it's just a I think it's like just a little bit more than. Ten times more. Yeah. That's. Incredible. And then a half Ironman late in the year. Really? Yeah. So you haven't fully given up on Ironman? No, no. Just, the full distance. Yeah. Crazy amount of training time. So a thousand families is what we're aiming for. Is that new loans or is that servicing them? Like, how do you. Think of that? Yeah, that would be like that. We close that many loans. Like we send the team. And my team is really we have some I have some people that are on my team, here in the Lehigh Valley, we have a couple of people out in Lancaster as well. One in Schuylkill County, and one in Lebanon County. So like cumulatively, our whole team, I would I would love us to reach that. So. And how is the mortgage industry right now or real estate market? I know we were having a tough time with high rates. Has that eased up at all? Not really. I mean, rates like high watermark was kind of close to 8%. Right now we're hovering around 7% on the, the averages. I think the bigger challenge still from a real estate perspective is inventory. There's still just not enough houses available. Like that's problem one. And problem one is affordability. And, you know, and the problem is problem one with the inventory because there's so much demand for housing and the supply is low, it's driving the prices up. And then when you pair that with high mortgage rates, the affordability is not not nice for especially first time homebuyers. Like if you don't have a house to sell with a whole bunch of equity that you can roll into the new one, it's rough. And even if you do like my wife and I, we say we're never going to move because our interest rate is 2.75%. And the appreciation in houses, since that's impossible to do anything. Yeah. I don't think I would buy my own house right. Right now. Yeah. Like at at current price and current rates, I don't think I would want to afford my own house. So I mean, I get it. But the reality is people have life changes and like, there's still plenty of people buying real estate. It's still real estate historically has always been a great investment. And you got to live somewhere, right? What are you going to pay rent? Like rent's no cheaper. Yeah. So I yeah, it's the market still is, competitive, from a buyer perspective and from a lender or real estate agent perspective. And most people predict that 2025 will be a little bit better year than 2024. Yeah. So and if we could see rates like I feel like I don't have any. This is all anecdotal. I don't have any data to support this, but I feel like just seeing a rate that starts with five could really have a psychological impact on some people that have been sitting on the sidelines. I think it'll have a financial impact too, because you take a rate down 1.25% from where we are now, and obviously the payments, everything looks a lot better. But, I think just something psychological, seeing it start with the five, I think will make people feel a lot better than six or 7 or 8. Yeah. So, no, as we're talking, I have to assume, are you a handy person? Like, do you do the work around the house? No. Not really. Okay. All right. I mean, so, so there's. Felt showed up everywhere. Yeah. All you're going to show me, you know, there's a painter at my house right now, and, and a guy that was popping molding off this morning because we're redoing, like, one room in our basement, but me and my boys did rip the carpet out ourselves this past weekend. So, you know, we saved $117 by, ripping the carving out ourselves. So. And that made me feel slightly like I'm more of a man. Yes. Yeah. Our we redid our kitchen, and it had white carpet in our kitchen. We carpet? Yeah, carpet. They nailed it on that one, Three little kids, white carpet. What could go wrong? So we were going to redo it. I did the pulling up of the carpet. My wife laid all of the flooring. She's the man of the house. That's what a doubt. And what, like like what kind of flooring did your wife put down? I don't like flooring. Like, I was. Like, I don't know, I. Want it, I supported her, I gave her high fives and, I don't. Did she put nice, like, heating coils in the hallways? Those are so. Toasty. That'll be our next topic. Was it oak? Was it pine? Yeah. Like you guys are asking too many questions. You're gonna have to get her in on the. So I have to ask, like you've got the team. What do you think about, you know, in terms of running a team, how do you think about yourself as a leader and just how do you approach the team in general? I, I like I look at it more like it's I feel like it's a, like, lame buzz. Buzz term, but, like, servant leadership is like, really like my like, I just want to walk alongside my team, help them. Everyone on the team is has their own role and is super important. I think that gets missed in a lot of organizations. Sometimes people act like, oh, the receptionist isn't that important or the process, or on a mortgage team isn't that important. Or everyone has like their unique role that they have to play, and their role is super important to us, providing a great experience for a customer. Yeah, and that includes like when someone walks into our office enormous. Like the person smiling at them, right, and saying, good morning or good afternoon, can I get you a cup of coffee. And you guys have great coffee. That we do have a meeting. Yes, yes, the gyro machine, you cannot feed it. But, yeah. Like so a lot of the team, like, I just want to, I treat it as a family. A lot of us have been together for a really long time. We know each other's spouses. We know each other's kids. Everyone is super important to what we do and our success level. And, yeah, I think my team would say, like, Spencer legitimately cares about us. And, yeah, wants to see us succeed and tries to do everything that, that he can to help us in that. So and I think you might have just given us a hint at the answer, but what makes you guys different than your competitors? What makes you guys, you know, kind of stand on a different level, let's say? Yeah, I think I think it's the give a crap. Like, I think everyone on the team legitimately cares. Yeah. And that is not the case. I've worked, you know, at some really big banks. I've worked at some smaller lenders. And, you know, a little bit in between. And that is not always the case where everyone on the team actually really cares about the customer and providing a good product. And I think that's absolutely the difference. The people. Right. Yeah. And can I tell you a story? Sure. So Friday I am working with a client of ours. They're buying a new house and they have a mortgage broker, and I can tell that the mortgage info on there is not correct. So I'm like, let's get your mortgage broker on the phone. We get them on the phone, and before that the client goes, hey, he's a great guy. You're going to love him. He's on top of everything. I was like, awesome, this is great. They're not always that way. I'm I'm really happy. I get him on the phone. He goes, what do you want? I'm like, oh. And then he continues to just yell at the client on the phone and I'm like, this is not good customer service. And so from what I'm hearing from you, you guys take a little different approach. Yeah, yeah. We try not to yell at our customers. That's a good starting point. Yeah, yeah. We the same thing with the customers. Like we very much the mortgage process can be really tedious, right. And it's boring and it's annoying. Like we ask for a lot of paperwork. And we very much want to be guides, so, like, we want to, our, our clients have a starting point and then a destination. They want to get to. We want to walk them all the way down that path. And sometimes at the beginning, that's me walking with them right when I'm initially starting, pre-approval and doing an initial application. And then there's a handoff to Holly, who's my assistant, and she, like, walks with them a little bit down the path. Yeah. And then there's Nikki, who's our processor, and she walks with them pretty much the rest of the way down the path. And, you know, our handoffs are strong. We never leave the client alone. Like, we don't want them to have to figure something out for themselves. We want them to ask lots of questions if they have them. And we want to be very quick with our responses. And, you know, we do surveys of all our past customers and I think we're winning. In that, like, we don't always get it perfect, but I think we get it right a lot. And, yeah, most of it is just the cost that the whole team cares. Yeah. All right. We are running low on time. And I know that I have two questions that I want to ask you that have come up as we're talking. The first is as you're explaining, sort of, you know, your approach and the hand-holding, the advice, and how boring the work is. I can't help but think about us. And insurance. It's very similar stories. We have a lot of trouble recruiting talent. Is this something that you guys face to, like, getting people interested in what you do? I don't know. I'm curious if that's something you guys face. Yeah, I think there's two aspects to that. One is the mortgage business doesn't have a great program to bring people into the business, especially in an environment right now where business is kind of down. And we you know, the industry's just small. It's hard to bring somebody new in because it's a commission only industry traditionally. And like I'm happy to help train someone but like they still need to bring some revenue in for them to get a paycheck. So so that's been a challenge. It's a little easier in times when like the, the market's more robust or there's a little bit more refi business like, to bring people in. And, you know, the second part of recruiting is like mortgage companies. Everyone's trying to steal from everyone else, you know, like, that's, that's a big piece. And I certainly, you know, am recruiting seasoned originators. And but I try to only bring in people that are a good fit for our team. We kind of have a no A-hole rule, where we don't need to bring people in that we have that. Go on. And Avery started here. So, yeah, it's it's challenging to bring people into the industry, just, you know, for both of those, you know, especially on the first one where it's somebody completely green. Yeah. Then the other question I wanted to ask was you mentioned you started, I think, around 2006, and my head immediately went to 2008. Yeah, yeah. You've seen you've seen some, some real crashes and some real hard points, I'm sure. Describe what it was like in those moments in three words. Because we're running out of time. Which is this is a tough one. I'll give you. An in just the five words. If, so so chaos. Yeah. Unsure. And go huge. Like what is go huge mean. Like so in 2006 I get in the business. I only know so much by 2007 when like the walls start crumbling right all around me and you know, it's like what is going on? Yeah. Like, did I make a huge mistake? And that's the chaos part. And then, you know, just confusion of, like, I'm unsure what's going to happen. And then ultimately it's just like, screw it, go big. Let's figure it out. You know? So I just totally dive in and yeah, that was a really interesting time. It's not it's very dissimilar to now based on the real estate market, but from a mortgage perspective, like back then, there was a glut of people that came into mortgage, and then tons got out of the business because it was so slow and then the strong survived and then really thrived, like for the next decade. And we're kind of in a little bit of that. Again, like the numbers of, licensed loan originators has gone down a ton, over the past like two years. And we're kind of in like, the ones that survived are going to thrive, probably. And for the next 5 to 10 years. Interesting. So so it's kind of we're in a exciting part right now of where I think things are starting to turn. Yeah. Or they're going to turn soon. Yeah. You hear that with realtors. And then we'll move on. But like 20% of there's so many people with their license, but it's really 20% of them that are really out there. Yeah. Doing most of the volume. Yeah. Yeah. All right. We are sponsored by Hocus Pocus Cleaning Services. I don't know if you've used them or if you've heard of them. They are incredible. They will come to your house. They'll do a magic witching hour where they come in, they'll reorganize a closet. They'll do whatever it is truly magical. And we always give them a shout out. And part of this is asking you if you could have any magical ability, what would it be? So I don't know if this, like what you gave me like about 17 minutes to, to come up with this. That's how I roll. So and then I didn't think about it for 15 minutes, but, I don't know if this falls into a magical category, but, I think if I could, if I could do one thing magical, I would be able to time travel. And, that's because my dad passed away a couple years ago. And I would love to just be able to go back and spend time with him. Yeah. Just one day or something like that. So. So that would be my thing. I'd love to. Time travel. That was the realest answer we've gotten. So thank you for for saying that. It's really great. Anything we didn't hit that we should have hit anything. You want to talk about before we wrap this up? No, I mean, I think, I guess maybe your audience is a lot of the business community, and maybe there's some younger, younger entrepreneurs. And I think the biggest thing I've been telling, like I have a couple younger guys that I manage, is just one, like hustle and activity leads. As long as you do it the right way, in an honest way, really will lead to success. It's not a magic formula. Including, like like my boys, right? Or they're teenagers. Oh, look at these people on YouTube. And they're they're like YouTube or social media sensations. It's like those people like, just like you. Like, we've been in here for 45 minutes, but like, you guys have this whole studio set up. Somebody is going to edit this video. Like there's a lot that goes into all of this stuff, and it's hard work. So like the Jake Paul's, I don't even really know who he is besides Fort Tyson. Right? But like, I'm sure that dude spends a ton of time on content, right? So even these people that it's like, oh, no, they just got rich quick. No, they actually probably are putting a lot of effort in, behind the scenes. So I think just treating people the right way, working hard, hustling and keeping, you know, the priorities straight is, is that the, you know, the secret? Not just life success, but satisfaction, fulfillment. Like I said before, this was a counseling session for me. I truly think of you as someone like, I mean, this genuinely, I aspire to be like whether it is professionally, whether it's family, whether it's your faith. You have your priorities right. You think about them correct. And so I just appreciate spend the time with you. Thank you for coming on, Spencer. Yes. Great. Appreciate you having me. And, yeah, I'll probably, like, pull out in front of someone and then they'll honk at me and I'll make some bad gesture, and then the world will be right. Like, I'm not this person. Yeah, I, I get a lot. I think I get a decent amount, right. But certainly don't walk on water. But I appreciate you pumping me up. Absolutely. Thank you for coming on, Spencer. Thanks for having. Me. Absolutely. Thanks for listening to another episode of the Why Am I talking podcast. 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