The Most Dwanderful Real Estate Podcast Ever!

The Metallica-Loving Credit Guru Who Can Change Your Financial Future

• Dwan Bent-Twyford • Season 7 • Episode 407

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Jimmy Rios shares his innovative "Eye Level to High Level Program" that helps real estate investors leverage debt structures to maximize returns and elevate their businesses through proper structuring and stabilization. He emphasizes the importance of having a clear blueprint before investing to avoid costly mistakes that can derail both finances and confidence.

• Going slow to go fast - taking time to properly plan leads to better long-term results
• Credit repair as a crucial first step - pull a TriMerge credit report and use ChatGPT to analyze it
• Creative financing solutions can help investors recover from foreclosure faster than traditional paths
• Time is your most valuable asset - focus on money-making activities rather than trying to save money by doing everything yourself
• Balance between entrepreneurship and family life is essential for sustainable success
• Shifting from a scarcity mindset to an opportunity mentality opens doors even in challenging circumstances

Find Jimmy Rios on YouTube at Rios Business Funding and on Instagram at @riosbusinessadvisors to learn more about his Eye Level to High Level Program. Subscribe to our podcast, leave a five-star review, and find Dwan at Dwanderful.com or @Dwanderful on all social media platforms.


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Make it a Dwanderful Day!

Dwan Bent-Twyford:

Hey everybody, welcome to The Most Dwanderful Real Estate Podcast Ever. I am your host, Dwan Bent-Twyford. I'm America's most sought after real estate investor and I am so excited that you are here with me today. In case you haven't heard the good news the most wonderful real estate podcast ever has now exceeded over 1 million official downloads, so we are really excited to have reached a goal like that, and that is because of you. I can't do it without you. So if you want to learn more aboutme go to Dwanderful. com. I took my name, Dwan and Wonderful, and I made a new word.

Dwan Bent-Twyford:

And I'm Dwanderful on all socials. So today I am so excited to have one of our wicked smart men with us today, and I have not met this young man, so I'm excited to meet him today. His name is Jimmy Rios from the Rios from the Rios Business Advisors Make sure I say it right. So, Jimmy, how are you today, honey?

Jimmy Rios:

Dwan, I'm doing well. Thank you very much for the invitation. Excited to be here.

Dwan Bent-Twyford:

I know I'm excited to have you on too, so we do things a little bit different around here. Instead of me reading off this long bio and telling everyone how amazing you are, I'd like you to just give us a two-minute what you do where your social medias are, because we want to know what is your deal.

Jimmy Rios:

Definitely so. My name is Jimmy Rios. I'm the founder of Rios Business Funding and Rios Business Advisors. Our YouTube channels are at Rios Business Funding and we've developed a really interesting program called the I-Level to High-Level Program program. It's trademarked as a new strategy in taking leverage meaning debt or debt structures and helping businesses, real estate agents, any entrepreneur, business owner, industry agnostic.

Jimmy Rios:

So we can work with anyone taking leverage in the form of debt structure, like we're used to borrowing, and then leveraging a fraction of that money over inside of our investment firm through a hedge fund where we're able to put money in there to work in your favor, usually at a return of three, five or 10x even more. What that means is that over a period of a very short time three months, six months, nine months we can return a very high amount of money, but it's meant to pay off your debt. It's meant to escalate and elevate your business, put you in a better position as an advisor on working with you to elevate and to structure and stabilize your business, because many business owners and and and I specialize in the real estate world don't come prepared for that. They do what they do in a transactional mode very well right buying, sell houses, picks and flips, right, but what if something doesn't go? Well, right, the market gets a bit of a tear, so whatever.

Dwan Bent-Twyford:

Don't tell us everything, because I've got questions to ask. So the eye level to high level. I love that. Eye level to high level. That sounds amazing. Okay, so they find you on YouTube, excuse me and on Instagram, every place. What is your handle?

Jimmy Rios:

yeah, so youtube is at real business funding and then on instagram it's an instagram tiktok.

Dwan Bent-Twyford:

It's at rio's business advisors okay, I mean, I like to uh, I actually like to interview people, and then after that I go follow everyone.

Dwan Bent-Twyford:

So then, like I'm a full-blown stalker, after that I I go follow everyone.

Dwan Bent-Twyford:

So then, like I'm a full blown stalker. After that, I like to get to know people, like without doing too much study and research, because the way I format my podcast is, if you and I were meeting and we were sitting down at a restaurant and the first time we were getting together I like to ask questions, like if I was just meeting you, right, because I feel like that's a fun way to do it, because you know everyone's like, so send me your 10 questions. What are the five things you want me to talk about? And I feel like everybody hears that from everybody. So I feel like to make myself different. Especially when people send me over their list of questions, I'm like, yeah, I'm not gonna read those, because if you do that, then every place someone sees you it's the same. And then they're like, hey, if I watch the wonderful, she's just going to talk about stuff that may not have nothing to do with anything, but that's how I feel like you get to know people well, I don't.

Jimmy Rios:

It's like me and you being at each other's house, right? Do we go to each other's house and have a list of answers and questions to talk about, or do we just open up and start talking and getting to know each other? And I'm the same way. I feel very comfortable.

Dwan Bent-Twyford:

Yeah, I love that way too. I do get a few people that are like you know, they'll send me their questions. I don't tell them ahead of time, I'm not going to ask all their questions, and then they'll say, like, do you have any questions for me? Like, do you have any questions for me? I'm like, no, I don't really have any questions. That's when I get to know who you are. And sometimes it throws people off. So I just I tell everyone up front, like listen we're just going to chat, because this is how you get to know people, all right.

Dwan Bent-Twyford:

So now I love the eye level to high level. I love the fact that you are helping people invest their money and doing that. So give me just a little bit. Like before. You did what you're doing right now Rio Business Investors. What were you doing before this? Were you in real estate? You transitioned. What were you doing exactly?

Jimmy Rios:

Well, we still run our verticals in the real estate market. We have realestate. com, my wife handles the residential, I do the commercial, commercial and uh, and we've dabbled in wholesale. We've done fix and flips. It's been a an endeavor in the family for 20, more than 20 years, and so we have a very big love inside of real estate and everything that we do. Many of the things that we've developed over time were on the necessities that we saw in the real estate market, not only as a person that was buying and selling, as a consumer, but also in the business side, and some of the deficiencies that we came up against in trying to do our business and get the funding necessary to do the things we wanted to do. So it almost became like one side fed the other side and developed, you know, a solution for others, because I know I wasn't the only one or the first one with some of those challenges, as we, you know, try to maneuver the waters in real estate.

Dwan Bent-Twyford:

I know it can be really tricky, you know getting involved, but I do all those things, so I wholesale. We fix and flip. Right now we buy a lot of commercial, a lot. We basically almost own an entire town in Iowa that we're rehabbing this town, so we're just sort of all over the. But you know, there's so many fun aspects and I've been investing for over 30 years, my husband for about the same. So now our three kids, you know they're all investing and they're doing rentals and it's like, oh, it just warms my heart to see like the kiddos doing it too.

Jimmy Rios:

So cool and you know a few of them.

Dwan Bent-Twyford:

My son's been with us like full-time through. But our two daughters, they were like, oh, we're gonna go here, we're gonna go there. And then, after they worked around for a while, they're like I don't know why we're working for other people. All the money is right here. I'm like I've been trying to tell you that from day one. No, that's awesome, but you know, kids have to find their own way before they find their way back.

Jimmy Rios:

No, they do. I have three kids of my own and they're in London College trying to, you know, get through her schooling and the other twins are in high school. So they'll be finding their way through, and you know. But they have a good example of somebody in me and my wife who are entrepreneurs and, you know, really took the bull by the horns over many years, I would have to say there was probably more failures than successes. I think now we're trying to see some success in planting those seeds over time, but there was a lot of failures, a lot of hiccups and a lot of learning in the process and I think that's it.

Dwan Bent-Twyford:

I don't think you can do anything without having, I mean, I don't know. I feel like for me everything was a big learning curve. I started off really from scratch and you know, back 30 years ago there was nobody teaching or training or traveling the country to teach you stuff, so I was very much a see my pants girl and, yeah, that's a. That's a tough way to learn, but the nice thing about it is you learn it.

Jimmy Rios:

You don't. You don't forget the negative episodes that happen and you definitely take steps to you know.

Dwan Bent-Twyford:

Stay on the positive when you can I know you really do all right, so I like this part, what you were saying about, um, tell me about the, the funding and and like so. So a lot of my people. On my Dwanderful podcast I kind of cater to the newbies. That's just like where my heart is. When I was 30, I went through a divorce, I had a baby, I was a single mom. I lost my house, lost my car, like a country song. I lost all my stuff and nobody came to help me. No one was like, hey, knock on my door, hey, can I help you? It was like nobody, I just lost all my stuff. So I really like to, um, to help people that are like, hey, I want to branch in and I want to get some financial freedom. How do I dabble out of?

Dwan Bent-Twyford:

and I you know, like the first thing you said, I tell everyone easiest thing in the world, just wholesale get some money on your belt but then, like you really need to look at what you like, what interests you, where you know where you might find your actual footing. And for me, right now I'm 100 into commercial because I'm rehabbing a town but having done everything along the way. So new people always need money. They always they don't even really know what they need or how much or what they need it for, but they do. So talk to me a little bit about this funding and the advisory and like how you help. So let's just say you were meeting somebody from my show that was new.

Jimmy Rios:

Yeah, and they said tell me they said help me Right.

Jimmy Rios:

Well, I mean the first thing. You know I always like to understand what your vision and your goals are inside of whatever you're doing. Many people come to me and say I need money, but then when we start really talking about their visions and goals, that initial amount that they started talking about was very, you know, really wasn't the right amount right, and they don't know what they don't know because right now they're just thinking like I need to buy a house to get started right, and so if we really want to get really granular and finite in the solution, I need to find out more. And so we get into really talking about your plans and your goals and then start drawing out this map right of how we're going to get from point A to point B. To get there, we need to understand the cost. We need to understand all the little. You know intricate details. You don't go and build a house without a, without a blueprint. You have to have this blueprint and to put all the pieces together right. So I tell you what there's. There's components in getting you funding that are not difficult to do if I have all the pieces of the puzzle right. So that's part of my exploratory.

Jimmy Rios:

First step is really understanding what your goals are. Is your investment strategies fix and flips? Is it commercial? Do you want to have, you know, hold properties for a longer period of time? What does that look? How many do you want to start with, and things like that, so we can start getting the Jesus flowing in discovery.

Jimmy Rios:

And then we start getting very personal, right, because we start opening the kimono and we start really talking about, you know, debt debt in terms of how much debt do you have, what's your credit score, what are your assets? A lot of these things that they might or might not be ready to answer. But it's good to bring it out and start really formulating that plan of action. Right, Because I can guide you in the best way based on my knowledge. Well, it's a lot easier if I said, okay, look, based on what you just told me, we can start by doing this, this and this right Now. It's a lot easier to chew on than trying to gobble it all up at once, and I feel that many times, investors or newbies, they want to do everything so fast. They want to go.

Dwan Bent-Twyford:

They do. They're like I want to make a million dollars my first year. It's like, okay, what's your plan? Well, I don't know.

Jimmy Rios:

Right, and I have a saying. I say I like to go slow, to go fast. What that means is, if we structure you right from the get-go, you're like a horse behind the stable. You want to get out, but if you don't have a plan, when you get out you're going to stumble, boom, boom, boom and then to get back up and to try to recover many times. You stumble so hard it takes you years to recover right, and that's right.

Jimmy Rios:

So if we did it right from the get go I guess this is one of my pieces of advice is let's take the time to properly lay out a plan of action, and by doing so we're going to have better tools and advice to be able to get to whatever that initial. I always say they're short-term goals and they're long-term goals right. Let's focus right now on getting you to first base. Then we'll see how we round out the bases. If we can do that together as a team, I'm your partner in progress. So if we're doing it as a team, we're going to get them better and more efficient and you're going to see a higher rate of return because we've eliminated some things that, for many, caused them to lose money.

Jimmy Rios:

Money, time is money and time is a big component of the equation as well. That they don't factor Time value of money is another big component. Right Leveraging properly is another big component. Big component right Leveraging properly is another big component. So we look at a lot of different aspects in real estate and investing in general to make proper decisions.

Dwan Bent-Twyford:

Yeah, that's true, and some people you know, and I was this way in the beginning In the beginning I was really broke. I was a single mom. I was, you know, doing my deals with my Home Depot credit card. I was a single mom, I was doing my deals with my Home Depot credit card and I didn't place enough value on my time. So I'd be like, oh, I could have this guy lay this tile, but I could save, you know, $100 if I did it myself. And so I spent so many hours doing things that, looking back, I should have had just someone do for me so I could have moved on to the other money making things that were available. So I think a lot of people I don't think it's uncommon for a lot of people to not place enough value on their time when in reality, time is your actual most valuable asset.

Jimmy Rios:

Totally.

Dwan Bent-Twyford:

So if you can find someone to help you or give you advice or cut your learning curve and I tell, I say everything I said people learn one of two ways from mistakes and mentors and mentors are cheaper, right, because a mistake can hurt you financially but it can also throw you off your game mentally. It can make you think like, oh man, I shouldn't have done this, I'm not in the right business. I mean, it can really have a really a tumbling effect on people and they don't realize that one really hardcore mistake can put someone completely out of business.

Jimmy Rios:

Well, so many individuals. The mental side of this game is huge. I'm talking about being able to stay positive inside of the storm and know that you know you're going to get to the other side when you're going through a tunnel of darkness is very daunting for many. So why work harder, not work smarter? Why not rely on others that have taken those paths that may be able to light the path for you and make the connection so that you can get there quicker, more efficiently, better structured, save more money, make more money? We start talking in these languages of success and the mentality of opportunity and optimism as opposed to scarcity mentality.

Jimmy Rios:

I can't do this. I don't know what I'm doing right, because many newbies especially come out of the gate with ideas but they start getting really negative really fast. I hear it all the time. You know and I'm like listen, you are an amazing individual that is doing what not everybody else can do, because if everybody could do it, they would all be doing it. It's a very select few who have taken on this journey. So let's work together because there's nobody as strong as you to be able to do that. The easy thing is to go get a nine to five anyway, right, I'm just a job. The the just over broke mentality, right, anybody can do that the the different, the differentiators, the ones that think outside the box, that want to think differently and do differently, are the ones that are going to face their fears and those challenges head on and say, okay, I want to do this, I don't know how, but I want to do it. Let's go search, let's seek and you shall find. Let's go seek, right, and let's ask.

Dwan Bent-Twyford:

So I want you to give us one actionable tip, like an actionable tip, that someone that's listening today can go. I'm going to take this tip and start my journey. So what is one specific actionable tip? Someone could go. I like Jimmy, but this one tip, I feel like this, this could help me.

Jimmy Rios:

So this might sound very generic, but it's so important and it's probably one of the biggest things I see people lacking and missing in their strategy. Go and pull a TriMerge credit report on yourself. Use ChatGPT, Upload your file into ChatGPT and learn how to read your credit report. Use the tools that are available in educating yourself on how to read your report, identifying the negatives, and learn If you can't do it, if you don't do it through an expert like myself who owns a credit repair company and other next level credit is a credit repair company. We we give a lot of advice and education on how to fix the negatives because you want to structure yourself in a positive light for funding, not because we want you to take on liability in your person. Eventually, we're going to build business credit. I wrote a book called Decoding the Mystery of Business Credit. How we can oh, I love of.

Dwan Bent-Twyford:

Business Credit. How we can tell yeah, wait, repeat that Decoding.

Jimmy Rios:

Decoding the mystery of business credit.

Dwan Bent-Twyford:

Okay, I like that and you know something. Just not to interrupt your thought there. But people I meet, people nobody knows about their credit. They don't know what their credit score is, they don't know how to figure it. I'm glad that you mentioned to me that you do credit repair.

Dwan Bent-Twyford:

One of the things I do is when I'm buying a house I specialize in buying houses from homeowners losing their house to foreclosure and they're like okay, you're losing your house to foreclosure, I'm going to buy it, we're going to rehab it, we're going to rehab it, we're going to wholesale it, maybe we're going to split the profit, whatever we're going to do. And I give them some tips for fixing their credit. But I really am not a credit repair person. So now I can send people to you and say, hey, listen, you need to go over here, because once they lose their house, well, they're in foreclosure and I buy it right before the foreclosure. But on the credit report and not stuff like 150 points or something like that, something about bankruptcy is like another 100 points and I say I like to say, hey, I got a guy that can help you. If even those homeowners can repair their credit, they can buy another house, like the foreclosure, is not the end of the world.

Jimmy Rios:

Well, dawn, understand too that when we get into creative financing modes, like we do, you don't have to follow this little blueprint or this little square that says you have to stay in the middle in a traditional financing model. Right, it says that you can't buy a house for two years. All the little guidelines that tell you so what is inside of one to two years, right Inside of this window that FHA or VA or all these conventional routes are telling you what if we put together a plan to get you into a home? Right, it could be a rental home, it could be a wholesale. We can get you the funding to go wholesale and get you into what I call an ugly loan and then put you into a pretty loan Because once you're in then we can refinance you a lot easier than buying right, traditional or conventional. So we go wholesale, we get you in through a hard money loan and then we get you and refinance you in a traditional sense once we fix your credit.

Jimmy Rios:

So, people, so the the mystery out there is well, I did bankruptcy, so we've taken bankruptcies off. Your credit doesn't mean that you didn't do it. It doesn't have to show on your credit, right, it doesn't have to report on your credit. They tell you 10 years. Yeah, if you leave it on there and don't do nothing about it, it'll come off in 10 years. But if you work work with a company that cars we can paint the picture on your credit to get fundable Right. And that doesn't have to take a very long time, because once you're in on title of a property, now it doesn't matter who the bank is or the private lender. I got you in.

Jimmy Rios:

Now I can refinance you because we do asset-based lending, dscr loans, bank statement programs, profit and loss statement program all kinds of really creative financing for people that think that there's no way in. We bring down the barriers of entry to be able to help people. And that's where I want you to start thinking differently. Don't think in the negative. The negative is easy. I got bankruptcy, I got my credit, I got all these negatives.

Jimmy Rios:

Let's think in the positive. Let's think how can I get in? What are the steps for me to get in? What do I have to do? Hey, we just pivot and make another plan of action around a solution. So for you, dawn, that's a great way to pivot from being a you know. Yeah, they're going in foreclosure. Okay, listen, we're going to still help you, right? We have a plan. So, yeah, I'm going to buy your house and this is going to happen, but this is how we're going to help you. And now you pass the baton and and you got somebody like myself who takes those clients and gives them hope, gives them a pot of action, and it's a win-win.

Dwan Bent-Twyford:

Yeah, no, I agree. A lot of the people. You know a lot of people. When you buy their house in foreclosure, the first thing is they're just pissed off at their house. I never want to own another house again. This house has been a nightmare. My ex blah, blah, blah.

Jimmy Rios:

And they never want to own the house and.

Dwan Bent-Twyford:

I say, listen, I can promise you in two to three years you are going to want to buy another house. You just are. So you know, let me help you. And I just, I mean, I give like very basic credit repair tips, but now that I know you I can say, hey, let me send you over to my guy here, because they are even though they're mad now and most homeowners are mad at the bank, the bank took their house. It's like you didn't make the payments.

Jimmy Rios:

And they're mad at the bank.

Dwan Bent-Twyford:

They're mad at everybody, but I know that they're going to want to buy another house.

Jimmy Rios:

Yep exactly.

Dwan Bent-Twyford:

And that's a good idea to try Merge Credit and send it to chat GPT and learn how to read it. That's a really I've never heard anybody say that before, so you actually just told me something I've never heard before.

Jimmy Rios:

And you should try it yourselves just to see the user experience, what that feels like, and then you can guide people better without really spending a lot of time, because, I mean, these are the technology tools that we need to use that really truncate the timeframe of the learning curve so much. I love it, that's great.

Dwan Bent-Twyford:

And we're going to switch topics now. I want to find out more about you. So, mr Jimmy, what's your favorite band of all time?

Jimmy Rios:

I'm a big um uh, metallica uh fan, um, you know, just, I guess I'm I'm probably dating myself, but I'm 40, no heck no man, my favorite band is queen, so you're not but I'm a I'm a music lover in all sense of the word. I love music of all types and genres.

Dwan Bent-Twyford:

I do.

Jimmy Rios:

I'm a hero. I'm really good. Were you so bummed when?

Dwan Bent-Twyford:

Ozzy just died. Yes, very sad. I was just like, oh man, I'm not a super heavy metal fan, but like Ozzy is like he's part. I'm 66. He's. I saw him when I was 18. He's part of my history, right? Oh, I saw him when I was 18. He's part of my history, right? We lost a giant.

Jimmy Rios:

I know it's okay yeah, that's okay, yeah, he's great everybody has an exit strategy, unfortunately, yeah, I know what's your favorite food oh man, I'm a steak and potatoes type of guy. I'll eat a steak and potatoes type of guy. I'll leave the steak I am too.

Dwan Bent-Twyford:

I was raised in ohio so we always had like the big sunday breakfast with like the biscuits, the gravy, the sausage, all the eggs, all the stuff, and for dinner, very much meat and potatoes. And even a hundred years later, I'm telling you, if I get a chance to sit down, I mean a steak, I mean a baked potato, with all of the stuff on it. Any day of the week I am, I am totally a carnivore, I mean. So I don't know how's like you eat so much meat. I know, but I just I love meat. Um, what's your favorite time of day? Like? Like when in your day are you just like?

Jimmy Rios:

this is the best right now, I think, probably after about three o'clock in the afternoon, when I feel that we're starting to wind down a little bit, even though my days are pretty crazy all the time but it feels like I can see the light and then I'm trying to go spend some time with the family and really wind down. I'm trying to find balance. As hard as it is in our world of entrepreneurship, I find, you know, we have to find balance in our time with with our kids and with our wives and, you know, do things for ourselves go to a movie, go to dinner, whatever it's even just as basic as just playing the game at home or something. You know, because we have our phones all the time, it's hard to sometimes put it down and separate our work from our family life. So I'm trying to make more of a distinction in trying to do that.

Dwan Bent-Twyford:

Yeah, it's funny that you say that 99% of the entrepreneurs are like oh, I get up at 5 in the morning and I work out, and I'm always just like, why, why do you do that? Because I'm like you.

Dwan Bent-Twyford:

I can spend time with my husband and we can watch a movie or hang out or whatever. And I am always amazed, amazed, like so many people, like oh yeah, five in the morning, that's my favorite time of day, and I'm like, dude, these eyes are closed at five in the morning. I am like you, I want to spend the time with my family, and at the end of the day is my favorite time, every day, okay, especially at we live in the mountains in colorado, so in the next couple months it'll start getting dark literally at five o'clock.

Dwan Bent-Twyford:

So we just light a big old fire. You know it's only five o'clock so it feels weird that it's not later. But we make a big old fire and it's like five o'clock and we sit down, we have a glass of wine, it's like what part of California, colorado, are you? I live outside Denver, okay, up in the actual Rocky Mountains at 9,000 feet Wow, that's awesome.

Jimmy Rios:

So when I look out all my windows.

Dwan Bent-Twyford:

I don't see nothing but the mountains. It must be beautiful when it snows so pretty, so pretty, so pretty. So. I love your music, I love everything about what you do. Now tell me.

Jimmy Rios:

What can the wonderful family, what can we help you do to reach your next big goal? What is your next big goal for yourself and how do we help you reach that? I think you know, in what I'm doing with the high-level program, the visibility and the education that is given, I need to get more eyes on that, get more people wanting to partake and learn and be a part of that. You know that movement. I like to call it right Because, in essence, we're building something that's new.

Jimmy Rios:

So for a lot of people it's scary, you know, and so, if I can break it down and make it easier to understand, there's so many people that have taken advantage of my tutelage and helping them get to a high level from an eye level, that everybody should have that opportunity and it doesn't cost you anything to tune in to our YouTube channel and ask questions and be part of of, or building a community on Facebook. My brother actually has built a community of his own with over 26,000 followers in Medellin, Colombia, and he's going to be building, helping us build our community of like-minded individuals that want a better life. So I think it takes a village like the old saying village.

Jimmy Rios:

If we can do it together, it's a lot easier than doing it eye level to high level. They're gonna find that on youtube yeah, yeah, we have really good videos um over 57 videos that we put together, um and podcasts and different educational moments of clarity to understand the steps and how we go about doing it. So you know, at real business funding on our, on our youtube channel, subscribe and subscribe and learn and that's the best way.

Dwan Bent-Twyford:

So that's your thing, you're gonna you're gonna work on the eye level to high level, because I think it sounds like I'm gonna go check it out myself today. Sounds like a great way to go. It's on youtube, easy for everybody. You can even do it on your phone, so you get no excuses on to spend a minute over there and try to figure it out. Because one thing over at the wonderful family is we always want to try to help everybody grow and reach their goals and help in any way that we can. So I I like sending people over to things that I like. So I like what you have to say, so I am recommending the.

Dwan Bent-Twyford:

I love and I love the name. I love it, I love it. That's really brilliant. It's really. It is a great name. It is a great name. Okay. So a couple more things here. First of all, everyone, if you have enjoyed the podcast today and you're like Jimmy and Dwan they're so great then I want you to subscribe to the podcast, leave a five star review, maybe write something really nice, because the only way we can grow is through your help. And for me to have reached a million downloads a couple months ago, that was really a big deal, but that's only because of you and all of you that have listened and downloaded. So I thank you and I appreciate you for that. Always find me at Dwanderful D-W-A-N-D-E-R-F-U-L. Dwanderfulcom. Instagram, facebook, tiktok, youtube. It's a Dwanterful world. It's a Dwanterful world, all right. So before we go, I have one last question for you, and I want you to leave us with a word of wisdom, but just one single word.

Jimmy Rios:

Love.

Dwan Bent-Twyford:

Oh, okay, now in the Dwarveniful Universe, I tell everybody when you listen to my podcast and the guest gives us a word, write it on a little yellow sticky, stick it up on your bathroom, and so love is going to be our word of the week. So what does love mean to you?

Jimmy Rios:

So what does love mean to you? Love is learning how to share with others all the things that you have and be very forgiving of yourself, to love yourself, and you know. Think that you can help so many people by loving yourself and by treating yourself with respect. Treat others the same way and it becomes a wonderful thing to do it in that fashion.

Dwan Bent-Twyford:

I love that, I love that. So love, that's about what it means to me too. I mean, you know, love is like, it's just, it's like the main thing. It's love is the principal thing. You don't have love, you don't have nothing. You got nothing. So all rightimmy, I want to thank you so much for being on today. I've really enjoyed getting to know you. I'm excited to interview you. He's going to interview me over on his podcast, so you guys have to. And what's the name of your podcast?

Jimmy Rios:

I love it on high level I love it.

Dwan Bent-Twyford:

I love it, so you guys can look for me over there. We're doing a podcast swap today, so super excited about that, and everyone, we will be back next week, same bat time, same bat channel. And remember that the truth is in the red letters. Bye everybody, goodbye, thank you, thank you, thank you and leave those reviews. Stay tuned. Keep watching, we always have more coming, ciao.