Real Estate Underground

From Prison to Paradise: Fuzzy Jardine and The Pono Way

Ed Mathews Season 5 Episode 183

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0:00 | 28:35

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This week, Ed welcomes Hawaii-based real estate developer and educator Fuzzy Jardine to Real Estate Underground

Fuzzy shares his background growing up in Hawaii, getting into trouble with drugs and alcohol, going to prison, and using that time to educate himself with books like Rich Dad Poor Dad. 

After struggling to find work as an ex-con, he took multiple jobs, then invested $26,000 in real estate education after hearing about Fortune Builders, and learned to find deals through strategies like bandit signs and Craigslist ads. He explains how taking action led him from deal-finding to partnering with a local developer and eventually building 100+ affordable homes for local families on a more rural island, typically priced around $300K–$425K. 

Fuzzy talks about “The Pono Way,” emphasizing respectful, ethical investing, illustrated by a deal where a distressed homeowner was helped with housing, a car, and additional funds while the investors still profited. He also describes co-founding the Hui Mastermind with Asha Smith, including webinars, bus tours showing the full build process, meetups, and master classes teaching how to get started in real estate and fund deals without traditional bank financing. 

In a lightning round, Fuzzy says family is his main purpose, shares advice about being on time and owning mistakes quickly, reflects on saying yes too often and taking responsibility for a project headed toward a loss, and names motivators he follows on YouTube and podcasts. 

Check out Fuzzy's book, “Out of Paradise: How to Build Wealth Investing in Real Estate the Pono Way,” and shares where to find him online: fuzzyjardine.com, huimastermind.com, Instagram @hifuzzy, and YouTube “Investing in Hawaii.”

00:00 Take Action Mindset
00:11 Show Intro and Opportunity
00:52 Meet Fuzzy Jardine
01:54 From Prison to Real Estate
05:58 Why Building Homes
08:33 Finding Deals and First Partner
10:03 Working Three Jobs to Learn
12:30 The Pono Way Ethics
15:58 Hui Mastermind Origins
19:15 Lightning Round Purpose
20:28 Mentors and Hard Lessons
23:21 Books and Writing His Own
24:43 Defining Success and Fun
26:40 Where to Find Fuzzy
27:24 Final Thanks and Call to Action

This week's book: Rich Dad, Poor Dad by Robert Kiyosaki

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Fuzzy Jardine:

Wake up and do, put the socks on the same way and then go work for that same do something. Like success isn't gonna come to you. You gotta go get it,

Ed Mathews:

If you're within three feet of me, we're probably talking about real estate, much to my family chagrin. But here's the thing, most people see 7% rates in freeze. I see opportunity. They're waiting for the perfect deal and well, I've analyzed thousands of them and perfect just doesn't exist. So I talk to operators across every asset class, flippers, multifamily, syndicators, note investors, and whatever else is working. No sales pitches allowed, just real lessons from people actually doing it. I'm Ed Mathews, and this is Real Estate Underground. Greetings in salutations Real Estate Undergrounders. It is Ed Mathews again with the Real Estate Underground. I am really fired up for this conversation. The gentleman I'm interviewing today literally lives in paradise and we're gonna get to that in a second. But thank you so much for all your comments and follows and subscriptions. Those comments keep 'em coming 'cause it gives me ideas, gives us ideas on topics we should be talking about and also folks that we should be meeting. And that's actually how I met this gentleman. Somebody one of you out there had reached out to our team to say, Hey, you really need to talk to Fuzzy. So here we are. Fuzzy Jardine, thank you so much for joining us today. Welcome and and aloha my friend.

Fuzzy Jardine:

And thank you for me on. I just wanted to talk to the audience of yours. Just, what are you focusing on today? What you focusing on today will determine what can happen for your tomorrow.

Ed Mathews:

Absolutely manifestation. Iss a real thing, man. So for those folks who haven't discovered you on YouTube or Instagram yet why don't you tell us a little bit about who you are and what you do for a living.

Fuzzy Jardine:

Yeah, so I'm a local boy from Hawaii, born and raised Hawaiian Portuguese guy, one of them guys that you see at the beach ripping surfing. that's me, myself into a little bit of trouble growing up because I hung around with the family members the friends that were, involved with alcohol and drugs. And that path went down, excuse me, that path went down and led me, prison because of the choices I made the people who I hung around with. But while I was there, I had an opportunity to change my life. And that's exactly what happened. I educated myself in there, read books like Rich Dad, poor Dad, of his books I read, a bunch of educational books to help me a better person when I come out, and exactly happened when I came home. It was tough to get a job and we had a, your ex-cons like, okay, go apply for jobs. I went to, one of the first jobs that I wanted to get was go work as a car salesman. And believe it or not, all the, big top car salesman was like, dude. You got a record, we can't hire you. Go and slam the door. I was like, oh my goodness, what am I gonna do? But it was a good friend of mine who I was locked up with. He had a window cleaning company that gave me an opportunity. I got myself a job, worked my way up, to a management role. But I always knew that real estate was something that I always wanted to get involved with. And I read a lot of those books inside, but there was nobody teaching it. Some way, somehow I was able to come across a radio station that were investors that was from Connecticut, that came to, they were coming to Hawaii and they were looking for people to be part of their team here in Hawaii. And I was like, dude, that's me. I wanna go learn. It was 26 grand foot education. I had, I did not have the money, but I was able, because I had the jobs. I was able to pay for the education, and that got me sitting right in front of you today as a real estate developer. I've built over a hundred plus homes for local families here at affordable prices and what I mean, affordable prices, it's like from 300 k to 4 25 in Paradise. And,

Ed Mathews:

Wow.

Fuzzy Jardine:

It's because it's on a different island and not on the main islands where, you know. homes here cost about a million dollars, but it's in a different

Ed Mathews:

Yeah.

Fuzzy Jardine:

where, it's more rural. So that's what I'm doing now and I'm also an educator. I'm one of those locals who there, done that, and now, okay. Look. I can show you. It's possible because if I can do it, you can too. And we're a, I have a mentorship program with a business partner. She's from Maui, humble Beginnings, and then created a the Hui Mastermind. Super stoked to share my story because I know there's a lot of knuckleheads like me out there that needs to hear it.

Ed Mathews:

I'll tell you man, it's I'm, I admire how you've turned your life around and and you know how successful you are. It's proof positive that it. Man, everybody makes mistakes, right? It, and some of us get caught and some of us don't. But the, the fact is that you were able to use that time to, to rethink who you were and what was important to you, and

Fuzzy Jardine:

educate

Ed Mathews:

yourself, which is the most important thing. And whether you're doing time or you're working a job you hate, you've gotta make the time to be able to become the person you need to be in order to realize the success that, a person like Fuzzy is now achieving. Hats off to you, sir. And I when I first

Fuzzy Jardine:

discovered

Ed Mathews:

your story, I swiped, I found you, like I said, through a listener and,

Fuzzy Jardine:

and

Ed Mathews:

then I found you on Instagram. That was your story's incredible. I really want to get into that. I also want to get into the Pono way, and I wanna learn more about that. I'll leave it to you to tell the story, but where would you like to begin?

Fuzzy Jardine:

yeah. You wanted to talk about my journey as far as becoming a real estate investor or

Ed Mathews:

Absolutely. Yeah. How why real estate? You're obviously a smart guy and real estate. What's that? Hey,

Fuzzy Jardine:

choices.

Ed Mathews:

we've all been there, man. The, in terms of starting the business and looking at the, various asset classes you could have built houses, you could go into apartments, you could do, other types of real estate. You could do other types of businesses. But why building houses? What, why was that important to you?

Fuzzy Jardine:

Okay. I just didn't all of a sudden become a developer. It Because

Ed Mathews:

one does.

Fuzzy Jardine:

such an, I was an action taker. when I because I have a addictive personality I was, when I was younger, I was, doing drugs. It was definitely addicted to all of that stuff. But then when I went through prison and I, got to, like I was saying earlier. Realize where that was what, where that took me, and did I

Ed Mathews:

Yeah.

Fuzzy Jardine:

go stay in that situation? And I looked around me at, while I was in there and just seen just doing the same thing. And that's not what I wanted to do in my life. I wanted to that person in my family to break that curse of. Not being in prison or be creating something to leave behind. 'cause I, in these books that I was reading, it was like leaving a legacy, making money from resi residual income. Create from businesses or from rental properties. And that's what got my mind thinking of, if these guys, the guys that I was hanging around in there who were educated, white collar crime guys, right? I was in the drug side with the drug guys who, sold drugs and stuff. But those guys were just gonna go back and do the same thing those connections is even better in there, right? So I could have chose to do that. And there's a recidivism of people who come out of prison. It's already going to 90% of people coming out, going back in, didn't wanna do that. So the thing was, I needed to, change the game, change the plan. So when I got out, I was searching for, for something, I read a lot of books and got educated from guys in there that were real estate investors as well. I knew where I grew up with my grandparents on the big island, the properties were super cheap. It was more on a rural side where, there's gravel roads but there was powers to it, power and electric and telephone.

Ed Mathews:

Yeah.

Fuzzy Jardine:

I knew I learned this strategy on how to become, a real estate investor. I would, I'll be able to, invest there. But how I got involved was because the coaches, led me to do certain things, strategies, how to find deals. That was the number one thing that they taught me. So I went out and I posted bandit signs. I went on Craigslist, posted things called. ad would say fuzzy buys houses cash. And then that's how I got involved. Got a call from a developer and he was another local guy and he was looking to sell one of his projects. And from there I built a relationship with the guy and I ended up telling him, Hey, can I learn from you? What do I need to do? And all he said was, bring the money. Here's the business plan, and I'll give you a split equity and I'll teach you. And that's how I started from the coaching and, but I took action. That's the number one thing I learned, and then took action from what I learned.

Ed Mathews:

On in. Yeah, that's it, right? Is I've been on this earth for 56 years now, and the one key ingredient that I've seen with

Fuzzy Jardine:

that are

Ed Mathews:

that are successful versus not successful, take action. Do something right. And 'cause you as Wayne Gretzky, the hockey player used to say, you miss every, you miss a hundred percent of the goals you never take a shot at. And so it's it's a tremendous story. So

Fuzzy Jardine:

how did

Ed Mathews:

did you go from finding deals, being a bird dog and I would imagine you were wholesaling some of the deals and flipping some of the deals to. Development of of houses and all that. What was that transition like?

Fuzzy Jardine:

Yeah, so believe it or not. Yes, I had those jobs. I had actually, I had three jobs when I came out. First was a window cleaner. Then I got a, surfing instructor. I was teaching people how to surfing Waikiki. He, and then I also started working as a valet driver because I was cleaning the windows at the hotel anyway,

Ed Mathews:

Yep.

Fuzzy Jardine:

I was like, had no time to do anything. But, when that radio station came across. I was absolutely ready for it. You know when they say, the student is ready, the teacher appears, right? That radio station or commercial came on, and this was the Fortune Builders. I don't know if Tha Murrow and his team, bro,

Ed Mathews:

Connecticut know those guys.

Fuzzy Jardine:

that. That was who I learned from. So the coaches, there were coaches here in Hawaii and that's how I was able to link up with them. But at that time, my parents, when I was starting my education process, my parents were going through foreclosure. So they're going through a hard time. So I brought that the coaches and they were able to show me exactly what they did to be able to help people like my parents to get outta that situation. So I watched it step by step, then after they sat down with my parents and then, told them, showed them their options and what they could do for 'em. We left the house and I was in the car with them. I said, look. Whatever it is you guys need me to do, I will do for free. I will work for you guys for free. know, I wanna learn what you guys are doing. So from there, those strategies that they were doing, 'cause they were fix and flip. Fixing flippers. They would buy properties, fix it up, either a

Ed Mathews:

Yep.

Fuzzy Jardine:

it, and then they would also rent them out too. So they were, the wife was in the military and, they were super smart. But that's, that was my key to start my journey, in this real estate business. 'cause I knew real estate all around Hawaii. There's so much people that's not from Hawaii, coming to Hawaii, buying properties, fixing it up, and then flipping it, and then. Using it to keep their family or build their family wealth tree. Why not

Ed Mathews:

Yep.

Fuzzy Jardine:

You know, are we watching other people doing it? Stay still? Like we were talking about, you gotta take action for your success 'cause it's not gonna come

Ed Mathews:

Okay,

Fuzzy Jardine:

Yeah.

Ed Mathews:

so tell me about the Pono Way.

Fuzzy Jardine:

The point is just like this, we treating each other with respect. There's a lot of. I would say greed when there's any type of money involved. Any

Ed Mathews:

So true.

Fuzzy Jardine:

estate, right? You hear the word sharks, any business, right? Sales sharks. You got real estate agents, sharks, you got, investors are sharks. So when I talk about puno, it's thinking so say you find an opportunity that, a lady that is going through, hard times, cannot pay her mortgage. And this was an opportunity that came my way through another student. I didn't even, look for the deal. It came to me. He was like, Hey, I have an opportunity. This lady, think she's having trouble. She cannot, pay for her. Pay for her mortgage. you present this to the coaches? So what happened was I presented it to the coaches and this was an opportunity for us to treat this as a point away. 'cause this could have been my mom, my auntie, my grandma, So what we did was we, actually, negotiated to purchase her property or, she had, it was a subject to plus owner finance. 'cause we were willing to give her money upfront and then money in the back plus interest on top of that. we ended up using the coaches money. Private her, their own money, plus a hard money company to do the whole deal structure the deal. And then what we did was we took the lady that was, she had no family, bro, like no family. So the other student, he helped her, we helped her get a police. An apartment for I think it was three or six months, we paid that for her, put her in there, then we also got her a car because, so she could get around and then we fixed it up, flipped it, and then also gave her some more money at the back end. And then, I made about 12 grand, like everybody made money. And then the point away is, know. Another investor would've came in, swooped it up, she would've been on the street and not been able to, she would've been walking on the street, Knows where she was gonna be. But that's, what I, when I say the, is doing things out of respect, out of, love. That's what the pono strategy is all about. LinkedIn.

Ed Mathews:

I think that's awesome, man. Yeah. It's, I tell people all the time, I'm like, I am not in the business of making people homeless. I, and we've, we come across on our fix and flip business. We come across people every day. That are just, they're good hardworking people. They just they've come, something happened and

Fuzzy Jardine:

it's

Ed Mathews:

caused this domino effect of things in their lives. And, they just need a clean, fresh break. And, when you take it from the, the way you do it in terms of the. You're solving people's problems, right? And it's not just, Hey, I need to sell my house. It's, Hey,

Fuzzy Jardine:

I

Ed Mathews:

also need to be able to create a foundation to move forward on. And, congratulations to you for having the character to do that for that lady.

Fuzzy Jardine:

You

Ed Mathews:

even though she didn't have family, I'm

Fuzzy Jardine:

there,

Ed Mathews:

there's certainly somebody watching over her and I'm sure they were appreciative.

Fuzzy Jardine:

Yes, that was definitely a, one of my first projects that I did besides the, the brand new build. So it Was a eyeopener to know that you, there's definitely I've been in this business for a while, so there's definitely a lot of people that done it differently, and,

Ed Mathews:

right on. So tell me about the Hui Mastermind.

Fuzzy Jardine:

Yeah, the

Ed Mathews:

What are you doing with that?

Fuzzy Jardine:

so the Hui Mastermind it's a community that Asha Smith, my business partner c created. first started, I met her on social media. 'cause this was during a COVID time and we had a lot of time to, be online and be at home. So when I started seeing her, and one of my good friends that signed up, she was another fortune builder student, and I see them posting, how to invest in real estate, how to become private money lenders, because I was doing my brand new builds. I wanted to learn the social media side. So I reached out. She never. Reach back out. She messaged the word invest. I would message the word invest. It funneled me to one of her coaches, Ryan Pinea. I signed up with his program and it worked right. I was able to start my journey with social media on Instagram and how to post and what kind of cameras to use, the mics and, just awesome program. But I really wanted to, I would've paid her the money, little little time went by and then I was like, you know what? I really need to talk to her because I think she would be awesome to collaborate with, to share the lo to locals here in Hawaii that is possible to build homes at affordable prices. So we, we did a webinar on what I was doing. I was able to reach out to her. Finally, she agreed, let's do a webinar. We did the webinar and everybody was blown. What, how, like how can this, local guy do something like this? And back then I was selling the houses for two 30 and the prices have changed. Right now it's, like a hundred K more, but it's still affordable and. We created a bus tour. And that bus tour even was even crazier because more people were like, what? Because they su, I'm sorry. We showed the proof of concept, right? Where was getting the plans drawn up, having it submitted where, got the materials from raw land to every stages of the build process. And there was like, holy crap, fuzzy it. This is crazy. Do you teach. we're at that time, we're like, no, don't teach. But I was talking to Asha. Locals here us and we gotta step up to the plate to create something that we wish Asha and I, we already, created success for our own families. So now what we did was we climbed out the bucket and we're tilting the bucket and reaching down below to pull other people out who's ready, right? There's a lot of people that are out there that you know. Are not ready. And they need to, here mindset. Sometimes it's mindset and the people they hang around with. But once you're ready, there's teachers out there Asha and I, that's local, that's willing to teach you, we do free stuff all the time. Like we do meetups. We go to projects that you know, our students are doing or our projects. then we also do master classes

Ed Mathews:

You have one coming up.

Fuzzy Jardine:

Yes. We have one coming up on the 25th, which is, also we're gonna be teaching on how to start in this real estate or get started with not even using the bank like Asha and I do, where we use other people's money to fund our deals.

Ed Mathews:

Awesome. Awesome. All right, man. Hey, I'd love to I could talk about this stuff for hours, but we, we let's get into the lightning round and then and then we can talk about you a little bit more. Obviously you've been very successful and you've done an amazing job of turning your life around and really doing good along with it, right? And so I'm curious, what gets you outta bed on Monday morning? What's your purpose?

Fuzzy Jardine:

It's my family. It's all I seen growing up with my grandparents. My mom, like my grandfather had just always working. Wake up early in the morning, come home late at night. And then my mom too, she had two or three jobs, I think I've fall in line with the hard work to be able to leave something behind for my children and my family and be that person changed that curse that we have where, living paycheck to paycheck. And I just see other families or other kids that I went to school with who had, know, their parents were successful because, they created businesses or they, who knows they were in real estate as well. But, know, I wanted to be that person to change that circle. And that's why I wake

Ed Mathews:

Breaking.

Fuzzy Jardine:

for my family. Like your Ohana?

Ed Mathews:

Awesome. Yeah, breaking that cycle is one of the greatest things you can do for your kids. Alright so let's talk about mentors. And you've had some really amazing ones. I'm curious about the best advice you ever got and who gave it to you.

Fuzzy Jardine:

That's a really good question. There's so many mentors that came through my, my, my life and I think I was in prison and there was this guy named Mr. C and I was supposed to meet with him at a certain time, and I was, late, right? And he told me that. The most important thing in business to be on time, right? Because it shows your character,

Ed Mathews:

Spec,

Fuzzy Jardine:

who you are. Yes. Respect. And after that, I would, I'd made sure that as much as I could never relate or make sure that also, he also told me another one. This is a good question that. If you make a mistake, fess up quickly admit

Ed Mathews:

Yeah.

Fuzzy Jardine:

Don't let it drag on because this is gonna be wor, be worse off for you.

Ed Mathews:

Agree more.

Fuzzy Jardine:

Yeah.

Ed Mathews:

So speaking of mistakes I think we learn more from our mistakes than we do our successes. Yeah. And so I'm curious about, and this is gonna be an interesting conversation with you, but I'm curious about a decision you'd love to have back, personal or professional. It doesn't matter. And how'd you deal with it?

Fuzzy Jardine:

Man, that's another great question, ed. This is awesome. Because I have aloha and big heart, I tend to say yes a lot. And some of the yeses turns into great learning lessons. Going through a great learning lesson right now because I was, because I'm a coach as well, reach my hand out to, students, they come, they bring opportunity our way. Signed on the dotted line to, do a project and the project is gonna, be at a loss. And I'm the one, the only one standing, at the end. And making sure that this thing gets finished. Because my brand, my name, my, me personally, like I said, porno, like I make sure that when I borrow money or I sign that dotted line, I do what I say I'm gonna do. And the other people that I teamed up with ha doesn't have the same, same ethics

Ed Mathews:

Yeah. Character. Am. Yeah.

Fuzzy Jardine:

But yeah,

Ed Mathews:

Okay. Hey, I admire I admire your character. I do.

Fuzzy Jardine:

It's all

Ed Mathews:

No, it's not. No. We all have those, we all have those experiences, right?

Fuzzy Jardine:

The losses, even this is not even a loss. It's all, I'd call it, learning lessons. Even if you make mistakes,

Ed Mathews:

it.

Fuzzy Jardine:

a great learning lesson be able to, it's just a setback to come back stronger.

Ed Mathews:

Right on. Yeah, it's it's the old saying that which does not kill me, makes me only makes me stronger.

Fuzzy Jardine:

Yes. Yeah.

Ed Mathews:

Yeah. So I'm curious about, you mentioned that you read Rich Dad, poor Dad and some other books. I'm curious today, like what are some of the books you read today and who are the authors that you pay attention to?

Fuzzy Jardine:

I've just been watching a lot of YouTube channels like Dean Grazi, Jose, Tony Robbins, grant Cardone and Brand Pineta, all these guys that just, they just motivate me. Just watching them and listen, listening to podcasts like. Just little things, just keeping the mind sharp and it, that's where I go to, I'm really not reading books. I wrote my own book recently that was a feat in itself. It wasn't easy. I

Ed Mathews:

Impressive.

Fuzzy Jardine:

to help me. If you don't mind, like

Ed Mathews:

Yeah,

Fuzzy Jardine:

I wrote the book

Ed Mathews:

absolutely.

Fuzzy Jardine:

out of paradise, how to build wealth investing in real estate the point away. So it's 99 cents on Amazon, on Kindle and

Ed Mathews:

In notes, so glad you mentioned that.

Fuzzy Jardine:

bucks with of hard copy. Yeah, I

Ed Mathews:

looking forward to.

Fuzzy Jardine:

You know, like I still grab small books like guys that's from Hawaii called, Alan Aquina. He's a one-on-one financial coach that teaches people how to fix their finances and manage their money, which is, I think one of the number one things that people need to do first is

Ed Mathews:

Yeah. They don't teach you in school, but they should.

Fuzzy Jardine:

Yeah. Fix your credit. 'cause that'll help big time.

Ed Mathews:

So how do you define success in your life?

Fuzzy Jardine:

Yeah, success is from just learning. You like I'm almost 49 years old, so just learning from all basically mistakes and not doing the same thing over and over. And like success is when you're able to wake up and you're happy with what you're doing. And if you're happy with what you're doing, what are you doing about it? Right? Wake up and do, put the socks on the same way and then go work for that same do something. Like

Ed Mathews:

right.

Fuzzy Jardine:

success's not gonna come to you. You gotta go get it, you

Ed Mathews:

Nothing changes until you change.

Fuzzy Jardine:

I mean, just being happy with your life and being, doing what you love doing. I think, will is successful, like for surfing? Like I'm not the best at surfing, but I'm good at it. I know the conditions, I know how to deal with the, bigger waves, how to surf big waves and stuff like that. But I'm not the top of the world, but I feel like I'm, I'm able to be successful in, in, and get sponsors and, travel the world and, I don't know. I'm

Ed Mathews:

I guarantee you're a better service than me.

Fuzzy Jardine:

Yeah. As you can see, I got my surfboard in the background to, to.

Ed Mathews:

So fuzzy. I suspect this is gonna be the answer, but what we were just talking about, but the, when you're not talking about real estate or helping people learn what do you like to do for fun?

Fuzzy Jardine:

I like to spend time with my family, number one, right? And then we go to beach, go to the beach and stuff, go. I golf with my daughter and my wife. That's one of our, fun pastimes. But of course,

Ed Mathews:

Awesome.

Fuzzy Jardine:

live, I live in this big blue ocean over here, the Pacific oceans. So I grew up as a waterman, fishing and surfing. So surfing is like my pastime. I, that's where I go to get my zen.

Ed Mathews:

Yeah. That's awesome. So if folks wanna learn more about you or your mastermind or anything else what what's the best way to get ahold of you?

Fuzzy Jardine:

I got my website called fuzzy jardine.com. we got the, of course, the hui mastermind.com and then I'm on Instagram. We're at H-I-F-U-Z-Z. At hi, hi Fz. And then we also have a YouTube channel called Investing in Hawaii, which is a awesome channel to help, educate for free. Right? There's a lot of free information on that. We do, but then we also have paid program for, we just recently turned it into a lifetime access. Once you become a student, you can us in your back pocket and we're here for you.

Ed Mathews:

That's awesome.

Fuzzy Jardine:

yep.

Ed Mathews:

I love that. All right fuzzy Jardine, thank you so much for joining us today, man. It's your story's an inspiration and I wish you continued success. Good luck.

Fuzzy Jardine:

Thank you, ed. Appreciate the opportunity and get

Ed Mathews:

Absolutely.

Fuzzy Jardine:

action. You guys take action because the action that could come to you.