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Finance BROs Network (FBN)
Economic Empowerment & Self Development Strategies For All
Finance BROs Network (FBN)
S3 E6 “All About The Benjamins” - Unleashing the Wealth-Building Power of Insurance and Strategic Financial Planning
Unlock your financial potential with strategies that go far beyond the basics. What if you could not only secure your future but also build significant wealth through the power of insurance? This episode promises to transform your mindset about financial planning by exploring the incredible benefits of Cash Value Insurance, whole life insurance, and annuities. Discover how these tools transcend traditional savings accounts by offering tax-deferred growth and the opportunity for ONLY UPSIDE returns tied to stock index performances. Learn how banks capitalize on your deposits to achieve impressive gains and how you can adopt similar tactics to maximize your financial portfolio.
We journey through the four wealth quadrants: Accumulation, Protection, Distribution, and Transfer of Wealth. Starting with the crucial need for early wealth accumulation, we guide you through protecting your assets with cash value insurance; maximizing tax-free income during distribution, and ensuring a seamless wealth transfer. Life insurance emerges as the hero of the story, offering a cohesive strategy for managing and preserving your wealth. Properly structuring and funding these financial vehicles is emphasized, along with the importance of seeking reliable advice to navigate the complexities of wealth management. By embracing a growth-oriented mindset, you can transform impulsive spending habits into disciplined, long-term financial strategies.
Also, prepare yourself for a life-changing entrepreneurial announcement coming next week, designed specifically for business-minded individuals eager to take their ventures to the next level and keep them safeguarded. While we can't spill all the details just yet, we encourage you to gather your loved ones during the Thanksgiving holiday to explore who might benefit most from this exciting opportunity. Our mission is to empower you with financial savvy and strategic insight, ensuring peace of mind and a bright financial future. Don't forget to follow us on social media and across all of our podcast platforms to stay updated on the latest developments and to gain access to exclusive content that promises to make a positive impact along your financial journey.
Learn more about the FBN initiative and get access to all social media platforms at https://linktr.ee/fbnlinks
First and foremost we want to be clear that what we are sharing with you are strategies and concepts that can be implemented by individuals who understand the logistics of how to approach such platforms as far as the literal, the mental and spiritual format needed to be successful with your aspirations hey yo, what's up world?
Speaker 2:you're tuning in to fbn and this is another episode of finance bros network, and I am the one half of finance anton lefwich, and this is another episode of Finance Bros Network and I am the one half of finance Anton Lefwich and this is Michael DePoe, the other half we are coming to.
Speaker 3:You live with finance for everyday people. We are honored to be here and to be able to serve diverse communities as usual.
Speaker 2:Hey, welcome everybody. Look, today we're diving deep into practical ways to shift your mindset. You guys already know we're kind of focusing on the mental, but we're also giving strategies this season to make sure we can all go in with a confident heart and be passionate in the things that we're doing. So we want to help practical ways to shift your mindset, and we're also talking about something that often gets overlooked in our UPI communities, like savings in insurance plans, like index universal life insurance, whole life insurance and annuities. These tools can be true game changers for us out here and when it comes to saving and growing our money. So we want to think of a nice title for it. So we figured we call it All About the Benjamins. Baby, it's All About the Benjamins baby.
Speaker 3:Yeah, bud, that's what's up, man Todd. Yeah, but that's what's up, man Todd. You know these plans are not just for life insurance. They're financial vehicles that help you build savings while protecting your families. For example, an IUL lets you build cash value that grows, tax deferred and it ties to performance of a stock index, so that that that helps you know, with, uh, the, the growth like the s&p or something that we know we see every day, right, right and and whole life insurers offers guarantees, returns and annuities that can be provided steady, that can provide steady income as your retirement.
Speaker 3:So obviously, with annuities, if you put your and believe it or not, annuities is a life insurance product A lot of people don't know that. They are offered by life insurance companies. Right right, it's life insurance company and I know you're the subject matter expert on this particular subject.
Speaker 2:I do deal with this a lot. Yeah, you could definitely ask me some questions Day in and day out.
Speaker 3:So, ladies and gentlemen, whoever's hearing this in the sound of my voice, dm, mr Anton. He is a licensed insurance representative pretty much for almost all 50 states.
Speaker 2:Yeah, we up to 32 states right now 32 states.
Speaker 3:So if you're thinking about this, especially that we're talking about it, you know again, we want you guys to get the Benjamins, and this is what we're talking about. We're talking about how to get these Benjamins, how to save, and that's what's important here. We want to make sure that you have the mindset as a wealthy and to save, because last episode we asked you do you want to be rich? Do you want to be poor? Do you want to be poor? Yeah, do you want to get with this or do you want to get with that, or?
Speaker 2:stay with that.
Speaker 1:Or stay with that. There you go. That's right, that's right. Thank you for backing me up.
Speaker 3:So, with that being said, we're going to continue with a mindset of what we need to do for saving now. Now you have actual savings account. Now savings account. What does that bring us? And we all know from our lap episode. What does that bring us, anton, what does a savings account bring you? How much can you actually make with a savings?
Speaker 2:account. Well, traditionally it's probably along the lines of 0.1 or 0.2% Very, very little 0.1 points.
Speaker 3:So if I put $10,000 in a savings account at the end of the year, what the bank is going to give me back?
Speaker 2:Shoot, well, 1% of $10,000, what would that be? $100, right, right, so 0.1. $1?
Speaker 1:There goes your dollar, oh God so what dollar there goes, your dollar, so.
Speaker 2:So here we are. I'm doing the math right. So ten percent of ten thousand will be a thousand right and then one percent of that would be a hundred so point zero, one that'd be.
Speaker 3:That's a dollar yeah, yeah, that's that. Well, it's a dollar on a thousand, and 10,000 is going to be $10, right?
Speaker 2:Is that right? Well, if you're okay. So 10% of a 10,000, that's a thousand dollars. Yeah, okay, but you want 1%. Right, we want 0.10%, that's a hundred.
Speaker 3:That's a hundred dollars. Oh, a hundred dollars. So it's a hundred dollars for 10,000. I'm talking about 0.1%.
Speaker 2:Yes, yes, 0.1 of $100 is $1.
Speaker 3:Right, that's $100. Okay, so if we put $10,000 in that savings account, what?
Speaker 2:do we get? Oh yeah, so then you have a $10.
Speaker 3:Yeah, yeah, congratulations, by the way $10 for the whole year and I know we spoke about this before, but it's always good to reiterate how much does the bank make on your $10,000?, how much they're allowed to make on your $10,000?
Speaker 2:So there's something out there you guys might want to research and I'll break this down to the very simple. I know you know Mike loves the simple, simplicity aspect. So there's something out there called Bollies and Coley's. It's called bank owned life insurance and corporate owned or company owned life insurance. Look it up, it's public information. All right, the bank takes our money and they invest into insurance and they get eight, 12, 15 upwards of whatever percent they make on our money. Now, obviously banks don't keep our money in the bank. We all know that. Insurance companies, they don't keep our money in the insurance company.
Speaker 2:They invest in gold, silver, real estate, whatever it is they invest in. But the point is we're essentially giving someone our money to leverage, to do more with, because if you have 100 million people putting their money in one place, now, this entity has leverage to use that pool of money to get into the, to get into investments that you or I would never see. Right, right, okay, because the minimum, the, the barrier of entry, is a billion dollars, and I mean how many people have that to do that? All right. So essentially, what we're doing by putting and I'm not saying that banks is not a a bad thing like keep whatever you want to do, keep your money in the bank. You feel safe, that's fine. You know what I mean. You got the fdic, the federal deposit insurance corporation, 250 000 by the way 250 000.
Speaker 2:Okay, anything above that yeah so well, yeah, figure.
Speaker 2:If you don't know what sol is, go figure it out exactly all right, you're doing risk management we talked about that risk management, all right so just know that we're giving someone our money to essentially leverage, to do more with, and then we're doing that for the security to go back and say that at the end of the month, when it's time to pay rent, I can take this money out. It'll be there Period. All right, there's nothing that says we can't reposition or redirect where we keep these funds. All right, understand, it's a very strategic way to do it. It's a disciplined way to do it. It's not always something you're going to start today and then use tomorrow.
Speaker 2:Okay, there's four, there's a four wealth quadrants of legacy building. Okay, and I kind of go over this with our clients, there's the. There's four phases of life. Essentially, mike, you've got the accumulation phase, the protection phase, the distribution phase and the transfer of wealth phase. There you go, obviously, when you're young, that's the wealth phase. There you go, obviously, when you're young, that's the accumulation phase. You're trying to acquire as much money as we possibly can, save up as much money as we possibly can. Get our money to work for us as hard as we possibly can. All right, accumulating money All right. Essentially, when you're 16 years old, you can legally accumulate money, getting a job, whatever, all the way up to where we're probably about in our 50s, we're going to start thinking about retirement. Some people think about it a lot earlier if they're smart, but not all of us do, because not all of us were taught that, but just know that the accumulation phase is the part where we're trying to accumulate as much money as possible. Eventually, though, we're going to get into a phase where it's time to protect our assets, protect our money. We can't. If you're 25 and you suffered in 2008, you probably weren't as worried as my parents were, who were 55 in 2008,. Right, because guess what? They can't maybe suffer another market down crash and then have time to recover from that? That's right, all right. So understand that there are asset protection class products, annuities being one of them that can basically eliminate the downside, so our money can go up, it can go sideways, it can go down. Basically, you can earn something, you can earn nothing, or you can lose, right, all right. So things like annuities and I won't go too deep down the rabbit hole, but things like annuities eliminate the downside, okay, so now we're just focused on making sure our money accumulates as much as it possibly can and the market goes down. The floor is zero and it never loses money.
Speaker 2:It's called insurance. You get insurance on your house, you get insurance on your car. You get insurance on your life. You get insurance on your money. It's very, very simple. Don't let these videos out here make it complicated. That's just what. It is All right. So accumulation Accumulate as much money as you can Get into a protection phase, get into an asset protection class product that can protect your money, okay, at some point.
Speaker 2:Then there's distribution when, obviously, distribute as much money as we can out of these vehicles as tax free as possible. There you go, uncle sam gonna get his cut all right all day, and we're not saying don't pay taxes, because everybody gotta pay it. What we're saying is how do we pay our fair share? Right, okay, and eventually wish I could say it was something different, but eventually everybody's going to go that way. We're not going to be on this planet forever.
Speaker 2:When you transfer, when you leave this earth and you have your legacy, how do you transfer that wealth to your family, again, as tax free as possible? The reason why life insurance is one of the most powerful vehicles that people like the Rockefellers, the Kennedys, the Nikolai Teslas, all these rich people are using in this world is because life insurance is the one vehicle that utilizes all four quadrants simultaneously. All right, and that's as easy as I can break it down for you to make you curious enough to at least go do some research, do some homework and make some phone calls. All right, so you have accumulation, you have protection, you have distribution of wealth and you have transfer of wealth. Okay, you're accumulating money where you can overfund your plan. Again, I said this in other episodes, we talked about this on the TV show and we talked about this in season one.
Speaker 2:It has to be properly structured, properly funded and given time to mature. Okay, you can fund these vehicles in a way where it can earn cash value and it can mirror. It's not in the stock market, but it mirrors the stock market. The reason why the insurance company has it mirror the stock market is because it's something that you know, insurance company, I can expect you to expect you to understand. Or we're investing in gold, silver, real estate is how we make your money. We, we just we know that the S andP 500 went up 10% this year and I got 8% of that. Or if it went up 15% and I got 12, I'm pretty happy about that, that's right. So it's going to mirror an index. That's why they call it Index Universal Life.
Speaker 2:All right, but understand that properly funded, excuse me, properly structured, properly funded and given time to mature, all right. So you'll look this up online. You're going to see good stories, success stories. You're going to see horror stories, because everybody's not a good person in this industry and everybody's not doing the right thing and everybody hasn't been educated properly. So make sure you get with somebody who can trust, who knows what they're doing. All right, and I ain't trying to be long-winded, mike, but I can go about this. I can go about. I hear you, so I'm spitting fire for you right now and I really just we hope our wealthiness grab this stuff because it's very important. Okay, it's not all of your portfolio, it's a part of your portfolio, it is an aspect of your strategy to make sure you understand, to have an expected or a predictable outcome. Okay, so understand that. So remember the four wealth quadrants accumulation, protection, distribution of wealth and transfer of wealth. And that's just one aspect right there.
Speaker 2:There's a couple other things, too, you wanna keep in mind. You know life insurance does have a dual purpose. You know these plans provide, obviously, life insurance protection while allowing for cash accumulation, giving you peace of mind and savings of growth. Obviously, if something were to happen to you, you want to make sure your family's taken care of. There's a death benefit and all that stuff to pass along to your family if something were to ever happen to you. I have a life insurance policy for well. I have life insurance policies strictly for the fact that, if something were to happen to me, I just want to make sure my mom's not going to be worse off than she is right now. My dad had life insurance. My dad believed in life insurance. I saw what the other side was like when my dad passed away. My mom was grieving mentally, but not so much financially. So obviously I've seen this firsthand and I deal with this every day. So obviously I'm not going to be out here educating people with no shoes on.
Speaker 3:So you know the other way to say that.
Speaker 2:All right, and there's tax advantages. We didn't get in the weeds about this, but the growth in our IULs and life insurance is tax deferred. You can borrow from yourself. Essentially, there's something called the volatility shield. There's called the laser fund, which stands for liquid assets safely returns. There is they call it infinite banking. There's all kinds of different Fancy names to place over this vehicle, but essentially what it is at the end of the day is cash, value, life insurance and, yes, you can grow your money inside of this vehicle.
Speaker 2:Establish a family bank essentially quote, quote, unquote and then borrow from yourself tax-free because loans are tax-free and take out a loan from your private family bank and then use that to go do something strategic. Okay, pay yourself back for crying out loud. Keep in mind, if it's a private, if it's a, the board here is a bank Banks want to get their money back, okay, so if you have a private family bank, make sure your bank gets this money back. Yeah, obviously you're going to be borrowing from yourself at a much more reasonable interest rate than it would from a traditional bank, but there are things you have to make sure you keep in mind. Right, and we can, and we educate people on this all the time.
Speaker 3:So I'm going to, and you know what?
Speaker 2:I gave you a lot.
Speaker 3:Right now, mike, I know For the sea urchins that are out there, people who like that, the technical stuff. You know they're like wow, anton, I appreciate you.
Speaker 2:You know for sure, for sure.
Speaker 3:So for the ones I'm going to make it you know me simplifying everything Break it down. So, to keep it simple, just think about it this way. And then you got to get in contact with Anton if you want this life insurance and want all those scenarios that he spoke about. But think about it this way. For the ones who thought that oh okay, maybe he needs to say it again. Well, think about this the banks, when they have your money, money they're allowed to use 10 times of that money. That's right. So remember, we spoke about putting a savings in for 10 000 and they're giving you back one percent yeah, oh sorry, 0.01 or 0.1 right 0.1.
Speaker 3:So they are putting that money into a life insurance company and making all that money and giving you 1%, that's 0.1%. That's how they make their money. They put it in an index, universal life, they put it in other type of investment and make all this money on this debt, that 10,000. And the government allows them to use 10 times the value of that 10,000. The government says, okay, you have 10,000. You can, you could spend a hundred thousand. Say what, yep, yeah, they were, but the insurance company is the reverse.
Speaker 2:They have to have three to $5 in reserve Right For every dollar they lend out. So right for every dollar they lend out so so for every dollar that they operate with right basically so why not us mimic that scenario?
Speaker 3:that's all I'm saying. If, if the insurance is allowed to only use five percent and still make money on your money, why can't we do the same? So, so why not join the insurance money? That's why the insurance money, the insurance companies, have more money than the banks, right, because they're not allowed to invest in risk. Because the whole point of the government say if you're an insurance company, if something goes wrong, you need to be able to pay people.
Speaker 2:Mike, it's called Federal Deposit Insurance.
Speaker 3:Corporation. There you go.
Speaker 2:FDIC. There you go. Banks operate the way they operate with the aspect of insurance is lacking.
Speaker 3:So all that being said is think about it. You put your money in a bank account. It's not doing nothing for you, but you put your money in a savings. That's like an insurance, like we spoke about the IUL, the whole life insurance or the annuity. Now the money's working for you, it's growing and that's what's important. And mentally, anton wealthy should shift from a get money and spend money mindset to one focus on making and growing money. That's what we were just talking about. Growing your money involves in recognizing money as a tool that works for you, not just for something you work for. The growth mindset is built on the idea that waiting for a long-term payoff can be more beneficial than instant spending. Knowing mentally or mental shift towards using tools like IUL encourage you to plan financially. You to plan financially, think ahead and focus on growth instead of just meeting today's needs, which a lot of our UPIs are doing.
Speaker 2:Right, and this is, this is the thing that really and with that, mike, I love that you brought that up, because or that you're emphasizing that, because these are things that we put in place essentially to create some accountability for ourselves. Right, having these types of accounts does require some discipline.
Speaker 1:All right.
Speaker 2:So if we set a plan, when we set up these, when we structure these plans, they're structured with a promise, essentially Right From the insurance company and from the person that is actually getting the plan. So if it's a setting that you decide to put in place for yourself whether that's $100 a month or $500 a month, wherever you're at in life, you know what I mean You're setting this up for a long period of time. It's the long game, it's not the short game.
Speaker 3:Exactly, and it's a way of self-discipline. Yeah, you understand, they are supporting your self-discipline. Saving in this manner whether you choose an IUL, whole life insurance or annuity, saving in that manner is a way of supporting your self-discipline. Because it's hard, guys, it's hard out there. And you got remember, I think, one episode we spoke about you know, johnny coming over, can I borrow? Or your brother asking, can I borrow this money? If you're putting your money in a savings that is hard to get access to, right, right, or your game plans, long-term, you just say what? I don't have the money? Yep, I don't have the money. And that allows our UPIs out there, that discipline, because a lot of them they have it in the savings how fast you can go to the bank and take out that money In a heartbeat. In a heartbeat but let's say, with an IUL, you got to request it. Yeah, you got to put in a request, fill out a form.
Speaker 2:Fill out a form. You're borrowing money from yourself.
Speaker 3:You're borrowing your money from yourself, but it's a process, yeah yeah, and you know what that gives you. I guess I'm going to create this word buyer's a borrower's remorse.
Speaker 2:Borrower's remorse. Borrower's remorse Some of us need that safety net in there to make our money not so accessible.
Speaker 3:Think about it for a minute. So it's asking you for this money. You got to go through this whole process to get this money. Hmm, should I really give him that money or should I give her that money? So this again it's an emotional thing, right, it's an emotional thing and you have to say to yourself this is what I'm doing to grow, this is what I'm doing for the long term, this is what I'm doing to benefit myself in the future. So if it's less accessible, then it's better and it's more beneficial, because we're not making 0.01%. We're talking about a growth. Up to some IULs could probably go up to what? 16%, 16%.
Speaker 2:There's no limit really on. There used to be these things called caps. Nowadays insurance has evolved and there's things these called participation rates. So some accounts, if you get a good company, can have 120% participation, 130% participation. You know it just depends. So I mean essentially, essentially, if the market went up 10% and you get a hundred and thirty percent participation rate, you just got 13%. But but before you get all, before somebody out here get what do you call it controversial? Remember what I told you, what insurance companies, just like the bank, your money don't stay there. Insurance companies take our money. They invest in in gold, silver, real estate. Trust me, trust me, if you had a good year, they had a great one, all right.
Speaker 3:They had no, not even great. They had a phenomenal.
Speaker 2:They had a phenomenal year. They could pay our little 13%. Trust me, they're not worried, all right so and all this.
Speaker 2:This also too mike now and and I want to just emphasize quickly before we go into the breakdown, that because we can cover this, like I said, we can just go into this and really, really deep down a rabbit hole, but we want to give you guys a very specific baseline and just something to be encouraged and curious and look further. Do your homework, reach out to us, go to Google, whatever you do. But you have to believe money has meaning beyond just bills and expenses. For many, making and growing money represents creating a legacy or securing peace of mind for loved ones. All right, this is where savings and insurance carries spiritual weight and also our UPI status. Wealthians who are trying to get to that privilege status can see their money grow in policies or financial instruments or vehicles that benefit you and their family. Fosters a sense of benefiting you and your family. Fosters a sense of responsibility. Benefiting you and your family fosters a sense of responsibility like we spoke about, and pride in how you manage your resources, kind of like a stewardship. Oh, new word alert A stewardship.
Speaker 3:Stewardship. What does that mean?
Speaker 2:Anton. Yeah, we're making you go back to Webster again but, you know we got you back. So look, it means word for word specifically, if you look this up, it means stewardship, means the careful and responsible management of something entrusted to one's care.
Speaker 3:Wow, that's awesome. That's awesome. So think about that and that's a good way to look at things. You know your stewardship. You're a stewardship. You're responsible. So, the money you're making now whether it be your wife or, ie, your husband you know your kids. You're responsible. You're that stewardship. So, if you're a woman, you're making great money for your family. You're that stewardship. What are you going to do with all that money? Are you going to spend it on frivolous things? Right? If you're a man, same thing. Are you going to spend it on frivolous things? You're that stewardship. Yeah, Make sure you're looking at the right things to put that money in to protect and help your family, Because you're responsible for it, Right?
Speaker 2:Amen to that. And you know, I want to real quick, I want to just we're going to get into the breakdown.
Speaker 1:We got to go.
Speaker 2:We got to go, but real quick. There's a question that I put out there in season one and I asked you this Mike, we were actually on a podcast. I asked you this has been recorded? I said what if there was an account out there? I told you that you could put money into earn interest. Something happened to you. Your family would get a lump sum of money.
Speaker 2:But, as you go out on in life. You could actually borrow from this account tax-free, but the principal would actually continue to grow and earn money as if it's never been touched and I'll go back to what I said before.
Speaker 3:Where do I sign up?
Speaker 2:So that that is an aspect of cash value life insurance infinite banking volatility, whatever they call it out there. But that is an aspect of that. And just let's be mindful, let's be smart. Okay, don't follow the carrot. The shiny thing, understand, properly structured, properly funded, given time to mature, all right. So, there's a strategy behind it. There's some sense behind how to make this thing. Go and drive this thing like a Ferrari, all right. So we can be, so we can be smart about that.
Speaker 3:And I want to say this and to say saving insurance plans like the IULs and the whole life insurance and annuities are more than just policies. Right, annuities are more than just policies. They strategically empower more moves towards a stable financial future. I want to say that. So, whether you're just learning about these tools or thinking about how to implement them, remember that changing your mindset is the first step to changing your financial path. That's what's important. Love it, brother. So, I wanted to say that I even wrote that down to make sure.
Speaker 3:I said it because I thought that was very impactful. Changing your mindset will change your financial path, all right. So let's go to the breakdown real quick. All right, we're going go to the breakdown real quick. All right, we're going to start with the literal, and the literal is really really easy. It's not hard, it's really easy. The literal is something you can touch tangible, da-da-da-da-da. The literal is and I'm going to start it with the word three times Benefit, benefit, benefit, benefit. I said it three times Because there's three things you can benefit from Cash accumulation. The money's growing. You can actually see it growing. When you put in IUL, annuity or a whole lot, you can see the money growing. You can touch it.
Speaker 2:Right, I ain't going to tell you how many Mike got. Hey, he can talk about this, shh shh talk about this.
Speaker 1:You got to go get that on the down low.
Speaker 3:But brother got some IULs Right.
Speaker 2:Right, he can talk about it Right, he ain't out there barefoot.
Speaker 3:Listen, I can touch it Anyway. And tax advantage, of course. The tax advantage Can you imagine? You know they are scenario we're not going to go into now, but people are living tax-free and you're like wondering how Guess what they got an IUL who said that. And flexible accessibility.
Speaker 3:You can actually access the money, but you don't if you don't need to, right, but you can actually access the money. But you don't if you don't need to, but you can actually access the money. So that's the literal, the thing you could actually see, touch and make happen. It's good, it's good. And then going into the mental. The mental is financial confidence. Knowing that you have a policy accumulating cash value creates a sense of financial security which changes how you think about spending and saving, watching them.
Speaker 2:numbers goes up, it's nice.
Speaker 3:Can you imagine it does help Mentally. You're like what I ain't touching that.
Speaker 2:When you get that statement hey, hey hey, mike, you want to go there?
Speaker 3:Nah, I'm cool, I'm watching this account right here, I. Nah, I'm cool, I'm watching this account right here. I'm watching statements right now.
Speaker 2:I'm watching this right here. I'm at a statement party.
Speaker 3:Yo, that's not a bad idea. I like that. A statement party. Yo, I like that. Yo, I think Finance Bros Network is going to bring that one day. A statement party is going to bring that one day. A statement party. Everybody come in with their bank statements or their index universal life statement.
Speaker 1:That's your ticket.
Speaker 3:That's your ticket to get in Don't matter if you're putting $10 in or $100 million. I like that. The statement party. Yo DM us if you want us to do that. That would be something. I like that, bro. I like that Yo let's.
Speaker 2:This is why we correlate we get together.
Speaker 3:You know what I'm saying. That's what's up brother.
Speaker 2:I love it brother.
Speaker 3:All right.
Speaker 1:All right.
Speaker 2:And, of course, the spiritual is having a peace of mind. That spiritual comfort of knowing your loved ones will be supported financially creates a sense of fulfillment and calm. That's what's up, boom, that's what's up? Come to the statement party.
Speaker 3:Hey, you can't spare it If you could I really do?
Speaker 2:like that too, my, you're going to have a spiritual fruition.
Speaker 3:If you come to the statement party you're going to be like, huh, you did that, johnny, you party. You're gonna be like, huh, you did that, johnny, you did that, james, you did that.
Speaker 2:Uh, lawanda, you did that, all right, I got you for real and, bro, it's transparency too right, because everybody in here is trying to see each other win, right it's not about me having more than you or what you got and what I got. It's about all of us here or kind of in the same, on the same page. As far as trying to go somewhere in the mindset that we've learned can be included in these types of strategies and the way to get this.
Speaker 3:The way to get this money. Man, how much peace of mind you're gonna have when you see it that happening and you can do it too.
Speaker 2:Bro, look for real, because you might be surprised who you see that that might be johnny, who you saw in, like we said last episode, white t-shirt and jeans. You didn't even know Johnny was doing it like that. No wonder why Johnny don't go to the barbecues every weekend. Go to every Niner game. Johnny too busy stacking his money stacking his statement party.
Speaker 3:He's bringing his party favors to the statement party there it is, and this is a safe space.
Speaker 2:This is a safe space we can can all. This is a safe space where we can all reveal.
Speaker 3:I think we started something.
Speaker 2:I think we might have to. I think we want to start it. I sure hope so, man. I think we're going to start something.
Speaker 3:We're going to start something. All right, let me give him the t-shirt so we can get out of here. T-shirt is saving money. It's like planting a tree it might not give you shade today, but tomorrow you'll be sitting under it Drinking.
Speaker 2:So, remember you're getting creative with these shirts, thank you, thank you.
Speaker 3:I can't wait till we have them on our website. That is soon to come. Soon to come, Ladies and gentlemen we're working hard on it.
Speaker 2:that is soon to come. Soon to come, ladies and gentlemen. We're working hard on it.
Speaker 3:We're working hard on it. So again the t-shirt, because I know we were making fun of it, just so you can hear it again Saving money is like planting a tree it might not give you shade today, but tomorrow you will be sitting under it drinking Kool-Aid.
Speaker 1:Ain't that something, mike?
Speaker 3:I love Kool-Aid. Ain't that something, mike? I love Kool-Aid. I love Kool-Aid too, oh man man.
Speaker 2:This was great. This was a fun one man. Hey, look y'all ladies and gentlemen, our wealthies out there. Make sure Now. I know we know the holiday's coming up, yeah, but we do have an important public service announcement to bring to y'all next week. So make sure y'all tune in. You're not going to want to miss this. Right, right, right, yeah, we want to do something.
Speaker 3:We're not going to go crazy on it.
Speaker 2:No, it's going to be short. This is so important, this is a life-changing information.
Speaker 3:Yeah, Real talk, especially for our entrepreneurs out there, people who are doing business out there For sure, people that we don, we don't want, because when we heard about this, we're like holy smoke, we have to say something.
Speaker 2:Yeah, I can't believe they. I really.
Speaker 3:I told Maya, I said I can't believe they're doing this, yeah, so stay tuned next week Listen we're not going to take you away from Turkey too long Gobble gobble, yeah, yeah.
Speaker 2:You know, you're going to have to.
Speaker 3:But maybe you and your family can sit, because you don't know who else could benefit from this information. This is going to be a announcement and it's an informational. Obviously, we'll, we'll, we'll have the breakdown and everything with it but it'll be short, quick.
Speaker 2:We just need you guys to get this information absolutely, and y'all make sure you, of course, check us out all your social media podcast platforms, apple podcast, spotify our heart radio of at our home HHN-TV If you want to see us on the video, we got the TV show, come check us out, show your love, and obviously you already know. Mike, I appreciate you and we'll see you at the bank. Peace y'all, take care world.
Speaker 1:Thank you, thank you.