The BRO Show: Season 4 Episode 6 - Bill Duerr and Colin Bradley

Bill Duerr and Colin Bradley: Business, Healthcare, and Building Great Experiences

On this episode of The Bro Show, hosts Jamie Giovinazzo and Troy Sears sit down with Bill Duerr of Hatteras and Colin Bradley, President and CEO of Winston HR Benefits, for a conversation about business, customer experience, healthcare, leadership, and what it takes to build companies that people trust.

Bill shares how Hatteras helps brands bring ideas to life through custom packaging, print, and creative projects while explaining why relationships, craftsmanship, and delivering an exceptional customer experience will always outperform simply competing on price.

Colin breaks down why choosing the right health insurance plan isn't always about picking the most expensive option, how Health Savings Accounts (HSAs) can help employees save money, and why understanding your healthcare coverage is just as important as having it.

As always, the episode wraps up with classic Bro Show conversation, including New Jersey burger spots, supporting local businesses, favorite Jersey Shore restaurants and towns, and plenty of the local opinions the guys never hesitate to share.

Whether you're interested in entrepreneurship, customer experience, healthcare, leadership, or New Jersey culture, this episode has something for everyone.
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You will also hear about:

- Hatteras creating unique ways to ship your product
- How Winston HR Benefits helps over 500,000 Americans make better healthcare decisions
- The biggest mistakes people make when choosing healthcare benefits
- New Jersey business, food, Shore towns, and local hot takes

If you're into business, entrepreneurship, leadership, healthcare, New Jersey culture, or just enjoy great conversations with great people, this episode is for you!

Like, follow, and subscribe for more real conversations from The Bro Show.
Stay sharp. Stay Jersey. Bro Show out.

Transcript

SPEAKER_02 0:14

All right, we're season four, episode six. I got my two friends here, heavy hitter CEOs in the local area. I know a lot of people look up to me and they they like to hear business and entrepreneurship. Yeah. But these two guys right here, I met them before Giorgio was born. So around, you know, almost eight years ago. Wow.

unknown 0:35

Wow.

SPEAKER_02 0:36

I met these guys part of a vistage group.

SPEAKER_05 0:39

And Bill Yeah, I want to know more about that. I was talking about them in the other room.

SPEAKER_02 0:42

I'm curious. Yeah. So Bill is like, you know, he does all my printing. He has an enormous printing company. He could tell you more about it. It's Hatteras. It's right in Tinton Falls. I I always think it's Eatontown, but it's not.

SPEAKER_05 0:53

It's basically like it's almost the same kind of area, right?

SPEAKER_02 0:56

It's exactly the same. So like you come off the turnpike, you come off the parkway, exit at 105, you go right, it's Eatontown, you go left, it's Tinton Falls. At that left, by 36 is essentially where his office is. Uh he has a huge printing company, and then um Colin manages like employee benefit stuff, which like honestly. We'll let him explain it. He'll explain it.

SPEAKER_05 1:16

It's interesting stuff, but it's very important because everyone talks about health insurance, and like I mean it's a very, very big thing. Very big thing.

SPEAKER_02 1:24

A very big thing.

SPEAKER_05 1:24

Uh they're both especially for self-employed people.

SPEAKER_02 1:27

Right. I try to keep uh the audience uh engaged, entertained, but also informed. Yeah. So I like to be I like the bro show to be uh entertaining, but I also like to provide value. I want to entertain and provide value. That's what I like to do in my life. That's what I like to do in my business, that's what I like to do on the show.

SPEAKER_05 1:45

Yeah, can't just be two idiots rapping around all over the place. We gotta give some you know we gotta we gotta give back a little bit, get some information.

SPEAKER_02 1:51

Yeah, and both real nice, humble dudes. Yeah. And uh yeah, Bill like Bill's at the fucking Sandy Hook beach surfing with his kids every weekend. Collins, you know, big family guy. Have you ever surfed? When I was a kid I did, yeah.

SPEAKER_05 2:02

Yeah.

SPEAKER_02 2:03

Yeah, my stepdad was a surfer from Brick, man. He used to take me out all the time. It was really cool. Yeah, super cool.

SPEAKER_05 2:08

And you never like did it as a grown-up?

SPEAKER_02 2:10

Once, yeah, once like I lost him, dude. It was like uh there was a lot of things I didn't do, which like I like baseball was like another thing I couldn't realize. I'm like, why the fuck do I always cry when Georgie's playing baseball and it was just like a trigger?

SPEAKER_05 2:21

So like I Yeah, but that's maybe something you do as a membering, like remembering him and actually say, Okay, maybe I'm gonna pick this up and start doing it, and then you could do it with Giorgio.

SPEAKER_02 2:29

Yeah, that's yeah, it's exactly right. I think Tina I think Tina would love surfing.

SPEAKER_05 2:34

Yeah, because she has like the balance and stuff like that for her like horses and everything, right?

SPEAKER_02 2:38

Yeah, Giorgio, although Giorgio's the superior athlete. We took him um God, oh my god, I'm such an idiot. Whose birthday was it? It was uh I think Sean and Hillary's baby girl's birthday. Somebody had a birthday at the uh birthday in that family, yeah. And my daughter's like doing better than George, just George, I I think like his own arms and legs, he's great, but outside of his body, like he rides the quad great. But I don't know. I don't know if he would like to surf. I don't know if like he'd the mechanics uh I don't know if he's surfing seems very difficult. You gotta stand up on that fucking board fast and you gotta plant your feet right, otherwise you're gonna fall.

SPEAKER_05 3:18

And you gotta balance.

SPEAKER_02 3:18

I mean, like that's uh you have to essentially, you know, harness the centrifugal force of the wave while standing, and it takes coordinated effort to get up. Once you're up, then you have to, you know, move in the water.

SPEAKER_05 3:31

I've done paddle boarding. Is it paddle? What's the one you stand?

SPEAKER_02 3:33

Yeah, yeah.

SPEAKER_05 3:34

That's just paddle boarding, is that right? That's it. Yeah, yeah, I've done that.

SPEAKER_02 3:37

Yeah, dude.

SPEAKER_05 3:38

In a calm uh, you know, in Aruba when there's no waves, me just floating around.

SPEAKER_02 3:42

I'm such a hypochondriac, dude. The last time I was on a paddleboard, you don't like those fucking idiots that go out super far on paddleboards on the ocean, and you're like, yo, man, that's my wife. That's not a good idea. That's Ashley. Well, so like I'm in Aruba, the water's crystal fucking clear. I can see to the bottom.

SPEAKER_05 3:57

Yeah. That's the only time I go in the ocean.

SPEAKER_02 3:58

But here's the problem. They say if you see a turtle, like there's a shark around because sharks love to eat turtles.

SPEAKER_05 4:06

Okay.

SPEAKER_02 4:06

Bro, fucking turtle pops up, like a sea turtle pops up right by my paddle board. I get spooked, bro. I fall into the water. My $500 uh Henry Ford sunglasses go in, bro. It's all like glittering gold, fucking cake. I'm like, I'm thinking, bro, I'm gonna get taken out by a tiger shark. Dude, I get back on that fit fucking thing, bro. I say, fuck my. I don't buy expensive sunglasses anymore just because that one hit, that one $500 hit, I'm like, yeah, fuck this, dude. I'm getting Ray Bans or whatever. Yeah, yeah, yeah. I don't know what the Ray Bans cost. Are they expensive? I think they're average $150. I think they're gonna be able to do that. I do $150, but I'm not doing five or five or five hundred or a thousand dollar sunglasses. No, no, I'm done with this.

SPEAKER_05 4:42

I either lose them or sit on them and break them.

SPEAKER_02 4:43

It's something. Yeah, my son now, my fucking Ray Bans, my son destroyed them yesterday. He puts them on and then he like just throws them on a fucking stone top. Um, the whatever. I can't have nice things. They're done. Yeah. I still wear them, but um, it's like driving with something in your eye. It's it's a little crooked. So, yeah, so I'm like, yo. I didn't know turtles.

SPEAKER_05 5:03

Uh if you see a turtle, that means a shark is close.

SPEAKER_02 5:05

The internet will correct this, but I've been told like the sharks and the turtle, like predators love to take down the turtles, but in Aruba, you see them all the time. I look for them on the jet ski, but I feel safer on a jet ski than a people can zoom away. Can zoom away. Yeah. And um, yeah, I feel like the motor and shit. A shark's probably like, yeah, I'm not biting that thing, right? The hor the ro the motors reving and shit.

SPEAKER_05 5:24

Did I ever tell you the story about me on the jet ski with my phone when I was in fuck, where were we? Bahamas. Oh, okay. I was with Ty and a bunch of guys out there, and I was on my jet ski, and I got ahead of everybody.

SPEAKER_02 5:38

Uh-huh.

SPEAKER_05 5:39

So I'm ahead of everybody, whatever it is, and I turned around and I'm like, they're all coming at me, like six guys at the same time.

SPEAKER_02 5:44

Get out of the way.

SPEAKER_05 5:45

I'm like, this is a really cool video. Uh-huh. So I take out my phone and I'm holding it with one hand.

SPEAKER_02 5:50

Yep.

SPEAKER_05 5:50

And I'm videotaping them all coming at me, and Ty whips the jet ski and causes like a whole wave. Oh no. Boom. Phone right in the ocean. God. It is like July 4th weekend. No. I have no phone. It's the first day we got there.

SPEAKER_03 6:04

No.

SPEAKER_05 6:05

I went through a whole vacation. No phone. No phone. Which the first day was a little chaotic, and then I end up having the best time ever.

SPEAKER_02 6:12

That must have felt that must have felt good.

SPEAKER_05 6:14

The craziest part is I was alone on that vacation. It was all couples. I was the only single person at the time. And then Ty as well. But there was a group chat of, hey, we're going to dinner at 8 o'clock or reservation. I didn't know anything because I didn't have a phone. So I'd go downstairs. I'm like, we're talking at lunch. Oh yeah, we have dinner at 7. I showed down there at 7 o'clock. No one's there. Oh, we sent the group chat that to dinner's at 8:30. I'm fucking standing around like an asshole. Well, you don't have the phone. You didn't know anything.

SPEAKER_02 6:38

No, yeah, you're dark. You're completely dark.

SPEAKER_05 6:41

Like I wasn't with a girl or my wife that had the phone. So very interesting. But it was my fault apparently that I held it with one hand, but I blame Ty still to this day. Fucking asshole.

SPEAKER_02 6:51

Yeah.

SPEAKER_05 6:52

Yeah. Well. But it was nice for a couple of days without a phone. It was actually pretty interesting.

SPEAKER_02 6:56

On vacation, right? It's gotta be. It's gotta be nice and I'm gonna do that.

SPEAKER_05 6:59

And like the torture, though, at one point, like walking back to the hotel, like you look, everyone at the pool, everyone's on their phone, you're just like, oh, where's my phone?

SPEAKER_02 7:06

Yeah. But I couldn't get a phone. I I was at uh Jenny and Zach's wedding last night.

SPEAKER_05 7:10

I saw that. What was it? A little surprise.

SPEAKER_02 7:12

Did you did you know? Look, you get an invitation for a surprise party, and here's the deal. I've been friends with Jenny for a very long time. I know Jenny very well. Jenny and Kayla are a lot alike.

SPEAKER_05 7:25

Yep.

SPEAKER_02 7:25

Jenny's like, don't fucking lie to me. Don't fucking surprise me. Like, she's not that type of person.

SPEAKER_05 7:31

Yeah, yeah, yeah.

SPEAKER_02 7:31

So when I saw a surprise party, I was like, felt morally obligated. Like, something's going on. Do I tell Jenny like a surprise party's gonna happen? Because like if Kayla, like if someone ever tried to plan a surprise party for Kayla, she'd be like, yo, why the fuck didn't you tell me?

SPEAKER_05 7:44

Yeah, yeah, yeah, yeah.

SPEAKER_02 7:44

So I was like, nah, Zach's like, I guess Zach's got it under control. But I'm like, fuck, Zach's kind of young. I'm like, bro, is he like going rogue and like planning something?

SPEAKER_05 7:51

Jenny, and she's gonna she's gonna say no.

SPEAKER_02 7:54

So I'm like, and then I'm just thinking, like, I'm like, dude, there's only two things this could be. It could either be like a wedding or like a birth announcement, but I'm like, there's no way Jenny's having more kids.

SPEAKER_05 8:03

Mm-hmm. I'm like And then you showed up and they were getting married.

SPEAKER_02 8:07

So I'm like, dude, I'm nearly certain. I had a big business summit I missed. So I'm like telling the guy, Aaron from Raymond James, I'm like, yo, Aaron, dude, I'm nearly positive this is a surprise wedding.

SPEAKER_07 8:17

Mm-hmm.

SPEAKER_02 8:18

That's like the only thing it could be. Because Zach and Jenny are also like pretty private people. Like they wouldn't pull everyone out for no fucking reason. So I'm like, I think like this is the only reasonable thing I could think of them doing. And then it turned out to be a surprise wedding, and it was it was fucking beautiful. And what was cool the I I think like with uh you know Jenny, obviously, anytime celebrities pos and do things, people copy and do it. Yeah, but traditional weddings are so stressful, they're so involved, they're so over the top, and they're so expensive. What what happened with Jenny and Zach? Bro, you just show up, you're in a cocktail room, there's an open bar, you you mingle, guests come in, they they ceremony say their speech, have their witnesses out to the other room, enjoy. Yeah, and it was really It's the way to do it. It was dressed up, it was beautiful, but it was like casual fun and to the point, and there was no bells or whistles.

SPEAKER_05 9:12

And it wasn't the whole build-up, all the stress of planning this and that. I'm assuming there was planning involved, but not like a real wedding. You know what I mean?

SPEAKER_02 9:18

Like the wedding, yeah, dude. Like it was a lot like like even with like the gala, dude, the amount of details that go into those parties, dude. It's like, oh my god, like how the fuck do I? Yeah, dude, come on. Yep. So it was beautiful, and I'm I'm so happy for them.

SPEAKER_05 9:32

And so since you don't know, uh-huh, do you bring a gift? Like a wedding gift?

SPEAKER_02 9:37

Yeah, so that's what Kayla was saying. So basically, you send the gift after. Ah so it's kind of cool. Like you go to the party, see what's up.

SPEAKER_05 9:44

That would be very that would stress me out. Like I'd be there, like, oh my god, I didn't bring a gift. You know it's gonna be a wedding.

SPEAKER_02 9:48

Like stressed Kayla out, yeah. Yeah, I was like, Yeah, we'll fucking send one when we get done or something.

SPEAKER_05 9:53

I get it, yeah. But I would just not knowing, then showing up there, you know, it would bother me a little bit, but all right, I get you send it after. Okay, that's fine.

SPEAKER_02 9:59

Yeah, it was beautiful. That's awesome. Congratulations to them. I'm so happy for them. And and yeah, I mean, it was a roller coaster in the beginning. They're like, this is gonna be memorable and everything. And like, I think what made it the most memorable is like knowing Jenny and just like Kayla and Jenny are a lot alike. And like the fact, like, don't surprise me, don't like just tell me what it is, like straightforward shit. And like, I'm like, damn, bro, fuck if this is truly a surprise for Jenny, like I don't know where this is gonna be.

SPEAKER_05 10:26

She has to know.

SPEAKER_02 10:27

She did know.

SPEAKER_05 10:27

She had to have a wedding translation. Yeah, she did. She did. She did. Yeah, okay.

SPEAKER_02 10:30

But that was the the anticipation was like, holy shit, like if Jenny doesn't know, this is gonna be pretty fucking crazy. She should we should bring them on the show. The fuck? Yeah, I didn't want to, I didn't, you know, Jenny's supposed to come on. Yeah. So yeah, we'll get them on. Yeah. She's supposed to come on, but now they're they're doing like their honeymoon stuff, and uh we'll get them on. We'll get them on. Mike and Warren too, they'll come on. All right, all right, cool. All right, so let's uh let's get the guest in. Yeah, right. Bill, Bill and Colin, dude, my good friends. Okay. Big time. Let's go.

SPEAKER_05 10:55

Bring them in.

SPEAKER_00 10:56

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SPEAKER_05 11:47

Welcome back to the bro show. Season four, episode six. We are sitting here with my buddy Jamie, and he brought two of his very successful friends. Yes, I did. You want to introduce them, Jam?

SPEAKER_02 11:58

Yeah, we got my boy Bill and Colin here. Good friends of mine. Yeah. Bill brought some little Andy smash burgers. Oh, really? Yeah. I love little Andes. Yeah, they were great.

SPEAKER_06 12:08

They were getting ready in the green room. Thanks, Bill. And you guys ate them? We did, yeah. And then I think it prompted a question that Jamie and I were starting starting to talk about is the Smash Burger format. And do you prefer that over the traditional burgers, right? The thick patty burgers.

SPEAKER_02 12:22

Yeah. And I I like them both. I like them both a lot. I think they're both great.

SPEAKER_05 12:26

Have you made Smash Burgers at your house or your only regular patties at your house?

SPEAKER_02 12:30

Yeah, I do regular patties at my house.

SPEAKER_06 12:31

Do you have the griddle to do the Smash Burger?

SPEAKER_02 12:33

I don't. Me neither.

SPEAKER_06 12:35

I don't have the right equipment and I'd be afraid about burning myself.

SPEAKER_05 12:37

Yeah, because there's a lot of like, you know, a lot of stuff going on. A lot of grease. One little slip, you know, like it looks very easy to do. Your palm print is on that griddle. Yeah. Yeah, like you gotta know what the hell you're doing. Absolutely. But I love a good double patty smash burger. Yes. Yeah. Yes.

SPEAKER_02 12:52

Yeah, I'm glad that little Andes is here. I mean, Shake Shack's never bad. No, Shake Smack.

SPEAKER_05 12:56

Yeah, Shake Shack hits.

SPEAKER_02 12:57

It does.

SPEAKER_05 12:58

It does. But like, was were these burgers, were they always around and just they became popular? Or like someone like figured it out, said, okay, we're gonna do this. Like, were Smash Burgers always around?

SPEAKER_06 13:08

I mean, I would think that were what it weren't there diner burgers in Jersey, like in the 40s, 50s, 60s. Little guys, right?

SPEAKER_02 13:14

Yeah, they were just like I feel like white manna did the sliders, right? But I don't think those aren't smashed. Those are like those are like little sliders.

SPEAKER_05 13:21

Like, where'd that come from? That someone says, fuck, let's just smash this bad boy out.

SPEAKER_06 13:25

I think the answer is gonna be on your next podcast. Where's the order?

SPEAKER_05 13:27

Someone's gonna comment below and say, ah, what do you mean? In 1945, you know this person made it. Blah, blah, blah. Exactly.

SPEAKER_01 13:32

What are you a fucking idiot? Well, last five years, though, I'd say the term got coined at least. Yeah.

SPEAKER_06 13:40

I just think they're easy to eat. And so it makes it just like really transportable. You get those bigger burgers, they start falling out of your hands and everything slips on the side. One thing about the Andy's burger fit right in your hand, wrapped in a little paper that you print. I think don't you?

SPEAKER_05 13:52

I did not, I did not print. Oh, okay. Andy, get on that. Get on that. Exactly.

SPEAKER_01 13:56

Did you do those prints? Nah, we don't do direct food packaging. But you know, but we did have Mike from Little Andes beating our second shift employees last night.

SPEAKER_05 14:05

He's got the truck now, right?

SPEAKER_01 14:06

He's got the truck. Today he's over uh at the Asbury Food Co-op on Sewell Ave West Memorial. So he's over there, I think, seven days a week, pretty soon.

SPEAKER_05 14:14

And he's selling out. I see like he posted up, sold out a burger. Like, that's amazing. Yeah, he's killing it. It's pretty cool.

SPEAKER_06 14:19

Yeah, I think there's a hidden gem with these uh food trucks, these roving food trucks around this area. Yeah, we bring an ice cream truck to my company every Wednesday. So right around right after lunch, uh which one? Don't ask me, I don't know. We do peaches and cream. Yeah, it's great. They just pull up, you got uh soft serve, you got hard ice cream, and then you got the good humor packaging, all that kind of stuff. So you got your full menu of options, everybody loves it. You gotta feed your employees, you gotta feed your employees. That's it. Right. You meet you feed your employees.

SPEAKER_05 14:50

Food is life. It really is life.

SPEAKER_02 14:52

Yeah, so I gotta tell you, dude, because your office is in Tinton Falls, and I'm always thinking you're in Eaton Town because you're so close to me in Eaton Town.

SPEAKER_07 14:58

Right.

SPEAKER_02 14:59

And then your office is in Manisquan, but I always thought it was Wall because Wall and Manisquan. So like he's right by like um God, what's it that car dealership, Sean's or something? Yeah, yeah.

SPEAKER_05 15:08

Oh, the the used car one.

SPEAKER_02 15:10

But he's always got like the guy Sean, he's always got like cool stuff in the live. He does. And I'm like, oh, that's a mixed car. But I'm like, yeah, I guess that's Manisquan. And that's where um what's her names? Like uh ambulance um Yes Deb.

SPEAKER_01 15:22

Deb Debbie. Wall does not have a post office. So so there's Manasquan addresses that are actually wall, there's Bellmar addresses that are actually wall, because Wall's got no town, no post office.

SPEAKER_02 15:35

Oh, interesting. No, I didn't know that. Our mutual friend Deb builds ambulances, yes, and that gets like government contracts. What do you mean builds them? She builds them. Dude, it's sick. She's right, is that Manasquan or Wall? I think it's Wall. It's Wall. Yeah. Yeah. But your office is right there and you're Manisquan.

SPEAKER_06 15:51

I'm right down the street. So I'm on 35 South. No, 34 South, excuse me. Uh, in between the Diane Turton office and the shop.

SPEAKER_05 15:59

Yeah, I know exactly where that is.

SPEAKER_06 16:00

Yeah, it's right next to right across from AMI. Yeah. So we we have two buildings there, and that's where all of our employees are.

SPEAKER_02 16:04

We we all met at a at a place called Vistage. It's like basically, and I'll say it so you guys don't have to, it it turns into this like you you join a Vistage or a YPO thinking it's gonna be like so insightful, which it is, but then it kind of just turns and you all start to become friends, and then like it just becomes like a huge therapy session for entrepreneurs.

SPEAKER_05 16:22

Like it's like a little tip on steroids, yeah. Yeah, yeah. Like I'm in the networking group La Tip, so like we have a very a lot of people, but I feel like that's like the one on steroids, right? That's what it is because you guys have to pay pretty hefty spot to it was.

SPEAKER_02 16:40

What's the price? What was it? It's like 18, 20 grand probably for the year, yeah. Yeah, yeah. Oh, okay.

SPEAKER_01 16:45

But I mean, I always looked at it like this like as a kid growing up, you think uh a CEO or president of a company is like this certain type of you can't get around.

SPEAKER_05 16:53

Right, yeah, right.

SPEAKER_01 16:54

And then so you're like, oh, I'm in this position now, I don't belong. And then you walk into the room at Vista and you're like, oh, there's just a bunch of psychopaths in here that are trying to do the same thing I'm doing. They're like, okay, I can figure this out.

SPEAKER_04 17:05

Same mindset and everything. Yeah, that's exactly what it is.

SPEAKER_06 17:07

I think we all end up in the same place because you get put in the role like you're talking about, and there's no playbook. Yeah, right. No one hands you the manual and goes, Okay, president, here's how you grow the business, right? Like, think about what you did when you were starting your business. Yeah. Like you didn't you didn't write it all down and say, here's our two-year plan and here's how it's gonna work month by month.

SPEAKER_05 17:24

He could have, but it didn't work. You know what I mean? Like, meaning like it doesn't, there is no playbook, but I think you can visualize it.

SPEAKER_06 17:28

I think that that's what the success of the entrepreneur is, is that the that ability to pivot, that ability to take in what's going on in the surroundings and make those like decisions to say, okay, this is working, let's double down. This is not working, let's pivot.

SPEAKER_05 17:41

Well, but there's a big difference between you guys and Jamie, right? So we were talking about this earlier that you know Jamie is first generational, right? He's the one that said, okay, I'm gonna do this and we're gonna figure it the fuck out. You know, we'll rise, we'll fall, we'll rise, we'll fall, whatever it is. But you guys are, is it second generational for both of you guys? Second generational. So tell me a little bit about like what you like where you came from, what you do, and just the story. I'll do it. Because that was a crazy story, man.

SPEAKER_06 18:08

Uh yeah. Well, my dad's got my dad's the uh he is the man of the people. Yeah, he has all kinds of stories. I just got back. He's 77 in January this past year. He had his second uh bypass surgery. He had he had it 17 years ago, quadruple. This time he had triple. Guy was they had him up and walking the same day out of the hospital two days later. Whoa. Thank you, NYU. Unbelievable. So shout out to NYU. Yeah, wow. And so he just walked uh five of the seven golf rounds we just played last week in Ireland. He did. He did. Oh, dude, what was that like? It was awesome. Oh, Ireland's amazing. Yeah, I heard the people are great. They are, they are really great. We went we got to stay both in Dublin and in Belfast. Belfast is an interesting place, and the contrast and experience of being in Ireland, which is this beautiful cosmopolitan city that you know has grown in the past, three decades, in the contrast to Belfast, which is sort of unfortunately a more run-down like post-manufacturing type capital. Both the people were great. Actually, we had more fun in Belfast, I think the people were uh early.

SPEAKER_02 19:05

Is Guinness better in Ireland, dude? It just tastes better, right? It just is. I gotta get there. I Kayla doesn't drink at all. I dude, I'll go to Ireland by myself and just hang out. You want to go? Yeah, we can a guy's trip to Ireland. We'll do that.

SPEAKER_05 19:16

Or we can bring the wife, and we'll go golfing a couple of days. You'll do you'll be fine. And then the girls can hang out.

SPEAKER_02 19:20

We can there's a lot, there's a lot to do.

SPEAKER_05 19:22

Before I quit drinking, Bill, I need to go to Ireland.

SPEAKER_02 19:25

I'm getting close. I'm getting close. Yeah, yeah. I'm getting close to quitting. Yeah. But I'm like, nobody loves a quitter. I know.

SPEAKER_06 19:31

How is the weather out there? Oh, we got very lucky. I did one day of wind when we first got there, and then one day of rain when the day we were leaving. Okay. But in between that, the six days in between, it was sort of like 65, pretty sunny. Yeah.

SPEAKER_02 19:44

Did you see Connor McGregor?

SPEAKER_06 19:45

I did not. I did not. But I did see I did see some drunk Irishmen in street fights. Wow. That's nice. Exactly right. I did see a little bit of that, unfortunately.

SPEAKER_02 19:56

So in Barcelona, they're like, yo, don't wear your jewelry or anything. How did uh Dublin's not like that, right?

SPEAKER_06 20:00

Not at all. And even Belfast, like it's it's a grittier place, but it's just everyone's just friendly. Yeah. Irish people are the best. They they really are very welcoming. I think that there is a lot of people there uh who love to see tourists. Yeah. They really do.

SPEAKER_05 20:15

That's awesome. All right. So go back to your dad, you know. Let me just tell you the story.

SPEAKER_06 20:19

So our business is located in Manisquan. We have about 150 employees. Uh, we my father started the business about 30 years ago. It was as an insurance broker. Okay. I joined the business about 20 years ago, and about 15 years ago, we made a faithful and important decision to kind of transition into a healthcare administration business. We moved away from being a traditional insurance broker into working with companies uh more directly to help explain all their insurance benefits to their employees. So I always tell the story that uh health insurance is the third most expensive thing people buy and the thing they know the least about.

SPEAKER_02 20:48

Yeah, it's true. Right? Like I think health insurance, I mean life insurance is probably number one thing. No one knows what the fuck's in there.

SPEAKER_06 20:54

Yeah. And so we spend, so uh the stats I tend to use are we engage with about a half a million Americans a year helping them make their healthcare choices. Okay. And if you think about that, the average American is spending somewhere between five and ten thousand dollars a year post like a combination of pre and post tax. And for the average American, that's like almost 10, 15% of their wages. So you've got to make the right choices with how much life insurance do I buy? Do I buy this healthcare plan or that healthcare plan? Like they start getting into esoteric things like a flexible spending card. And how do you pay your copays and deductibles? And so it's a very important conversation that employers struggle to have because it only happens one time a year generally, and HR is just overwhelmed with all the things going on in business anyway.

SPEAKER_02 21:36

I mean, dude, not a lot like Bill, we have the three like we all have problems that people don't even know our problems, but like and I fucking don't like to talk political, and I'm not trying to say anything bad. Yeah, but Murphy passed so many fucking rules while he was in office that HR couldn't keep up. So when you have HR and then you have health employments, like health benefits and things, like he said, these conversations only happen once. a year. Yeah. And it's it's a it's an overwhelming load because usually one company has one HR person. So you're keeping up with all of the fucking HR and all the employees. Entanglements and then the employees and like it's like it's very it's a lot to fuck. And I didn't realize like I realized now I you know because I I think you you use a lot of big words so it's probably overwhelming to normal people like Ivy League guys. He's an Ivy League guy appreciated. But you're you're serious like you're spending like I don't know I know I have life insurance Kayla has life insurance. We don't know what the fuck's in there hopefully we don't die but we're going to and then the same thing with all of the um the health benefits man like what the fuck is in there?

SPEAKER_06 22:37

It's a it's a complicated conversation made worse by the fact that the rates and the cost of these things have been going up by double digit amounts for the past five, six years. And I think unfortunately employers playbook is let's see how much cost we can shift to the employee. They don't want to do it but they're forced to because their costs are going up dramatically and then employer employees are left with all right what can I afford and so you're seeing the cost of these things start crowding out other purchases. Yeah. Right? So discretionary income is being reduced by the requirement or expectation that you should have health insurance and if you work for employers since we're on the show why not because me and Bill have a ton of employees.

SPEAKER_02 23:13

Yeah. Why don't you just fucking help us right now, dude? What should we do? Is it cheaper to offer our employees better shit? And how does it work? Because a lot of employees look at their fucking income but how do you how do you increase their take home pay? Like I always think about how do I get this person the most take home pay if I give them a gas card or something.

SPEAKER_05 23:29

Like I try like I don't know if that's equ the challenge the challenge you it's going to is it illegal but it's going to depend on per person.

SPEAKER_06 23:35

Like it's not is it illegal to give people a gas card? No, but you have to be worried about the taxate the taxation of that. So like those types of perks you've got to be careful about how you give those out.

SPEAKER_02 23:45

I think you're going to have free food. Well I do I give people free food. You know what I mean? Like that yeah but that's the way to get around I work I work well I would like um and I'm not talking like fill up a fucking freightliner but like you know you drive to you you work in the office three days a week you're spending a hundred bucks on gas like let me fucking pay for your gas you know there there's companies that pay for cars and whatever car payments and stuff like that.

SPEAKER_05 24:07

I'm pretty sure there's something you could figure out you just got to gross up because it becomes taxable income.

SPEAKER_02 24:11

But that again that's that talk to a tax buyer yeah what so like what what do most companies at like a hundred employees what do you find like how do you help them help the employee and not kill the business typically the companies that my business specifically deals with are much larger.

SPEAKER_06 24:26

But the problems are still the same. It doesn't matter the problems are still the same.

SPEAKER_05 24:29

No no not at all but are you coming into a company and then talking per person?

SPEAKER_06 24:34

Like you're you're a one-on-one so what you guys are talking about is the strategy of how do I design the benefits to fit the needs of the employees. What I talk to my business specifically does is after the decisions about what products to offer employees are are made by HR and the owners is to then how do I communicate that to the employees? How do I disseminate that information so that you know Jamie and his family has a package in front of them that gets sent to at home says hey Jamie you and Kayla could enroll in one of these three health insurance products and you're like uh is it high deductible or low deductible or in network out of network and you're like I just want to go to the doctor I want to be able to use the doctor. So we help like you know declutter that conversation and make that conversation a little bit easier to digest for people. Okay. But in terms of the strategy thing, I think something that I did so we our business was sold to a much larger company a couple years ago. And prior to that we had full control over the benefit decision process and the strategy. One of the things that we had implemented right in the years leading up to being sold was we offered a high deductible plan that we made very affordable to everybody. And then we uh contributed money to the health savings account that was attached to that high deductible healthcare plan. So you're able to and we made it like a single dollar premium kind of per paycheck for single coverage. And we got a lot of our employees into it and then you use these if your turnover is low if you have a lot of long-term employees like I do then those types of strategies make a lot of sense because they can build up uh money in those health savings accounts that stay there forever. They're persistent you can take them into retirement with you. So there's a lot of like uh taxation benefits to for employees. If you have a higher turnover workforce the strategy's different right so I think that that's the the the challenge is understanding. Correct. So like where you might have a lot of you know full longtime employees you might have a little bit more turnover in your population because it's retail. Like there's just different strategies for different companies. Yeah. So there's no one right answer. There's definitely not and I think it's something that a lot of employers are very they're struggling with because you know there's a lot of cost pressure on everything. Wages are going up you know and if your health insurance is going up 16 18% for small businesses right now, it's challenging.

SPEAKER_02 26:42

Yeah a lot of people like for me I sell food and people have no idea how all this shit ties into the price of the meal. Oh yeah I have people I have to fucking I employ people I have to take care of them. Yeah their costs are going up their labor goes up but then all the shit tied to their life goes it's just like a fucking mess. Yeah I was I wish I could still cook my fucking food for $9.99 and packanonas and like right you know have I've got meals for $399 back in the day. Yeah yeah I wish those prices were still around those were those were those were limited those were limited deals chicken and rice and steak and rice $399.

SPEAKER_06 27:11

Yeah so I think we do which I look every one of those every business is facing that issue and I think that it's it just trickles down that's correct and I think it's costs up across even in your business. It is what it is and you know you gotta survive. Yeah. I mean Bill like your business why don't you tell everyone about your business but I'll have a question for you about like the cost of all these things like for you to buy the materials has probably gone up since COVID like dramatically yeah and I mean one thing we did during COVID was we sherred up our domestic supply chain so we stopped having to rely on overseas suppliers.

SPEAKER_04 27:41

Yeah.

SPEAKER_01 27:42

Um mainly for raw materials because we manufacture everything in New Jersey. So when the supply chain crisis kind of hit well I guess you got the supply chain crisis like 22 23 yeah and then you got the tariffs last year we were in a good position. That actually that disruption created opportunity for us because we're buying all of our raw materials here. We manufacture all of our stuff here so we're in control of that and yeah costs are going up but when you're in control of it and you do it here it delivers a lot of peace of mind to the brands that are relying on you. So that's kind of the approach that we've taken.

SPEAKER_02 28:15

Did you see the tariff stuff coming?

SPEAKER_01 28:17

Because you know did or was that just like a happy byproduct that happened like you were like fuck this I'm gonna go domestic and then just no I didn't know the tariff stuff was coming but at during you know kind of the tail end of COVID or whenever it started or ended it was just like we just needed to have as many things in our control as we could. Yeah. And anything that was you know overseas was in question.

SPEAKER_05 28:39

So we just said let's do it domestic has anyone ever got any got any money back from the tariff thing like the reverse has do you know anyone that Kim and Jordan did did they get the money because I know they applied people applied for it but I don't know if they actually I know people are dealing with it.

SPEAKER_01 28:53

I don't I don't know enough about it because it didn't really do anything else for my business other than create opportunity because there was a benefit to doing everything here. True didn't hit my business we're a services business so it never even hit our business whatsoever.

SPEAKER_05 29:05

But a lot of people got hit and then people were applying for this you know refund for the for the tariffs but I don't know anyone that actually got any money.

SPEAKER_01 29:10

Yeah me and me neither bunch of headlines yeah that's all it is oh most oh never mind oh you're talking about those rebate checks he was talking about no one got that no no I don't think they're ever gonna get that money it sounded good for a little bit so Bill you did my box here this is my bro my bro status confirmed I'm wearing the hat this fucking box was so funny the internet went wild look at this okay look at look what's in this thing look what's inside that's all you post that on your Instagram look this is uh dude that is when you were full caveman look at that yeah yeah yeah look holy cow that's the only thing missing is him like the voice box of him saying that is awesome hey bro what's up yeah yeah we could have done that oh my god open up a little void yeah we gotta we have a couple projects like that oh I like that yeah so if I do my boxes I have a little like uh little song and they open it you can play we can make that happen shit yes that sounds really cool that's really cool so now this this was a very good uh can you get it done by the by the um the golf outing are you coming to my golf outing oh sure we were fuck we're sold out yeah we're sold out August 3rd you can get it another force him in there yeah yeah we're no golfers sold out 144 golfers wow yeah good for you guys yeah yeah it's amazing yeah we've been on a fucking rampage this year still donate oh and thank you for for uh supporting the the gal here every yeah always man every year yeah whatever you need the gal was a great time yeah that was a great event yeah it was a good one you guys really do a lot to give back to community is pretty awesome yeah thank you yeah it's uh it's my it's what we do so you're a Rumson guy now right you're in Rumson and you're are you in uh where are you living I grew up in Manasquan uh Manasquan's such a great town I live in Wall now but I just bought a property three blocks from where I grew up so I'm coming back to Manasquan I'm gonna raise the case so that means you'll have a post office again I'll have a post office 08736 yeah what what high school is that in Manisquan?

SPEAKER_02 31:05

Sure no Manasquan High School I beat I beat the kid who went to Manasquan of course yeah okay Jamie beat everybody ask him what his high school record is he knows it's 30 and 2 wow all right there we go yeah who is the heavyweight big chess guy huh were you a heavyweight then I was 215 215 is that the one division right below right right below yeah yeah I could have wrestled heavyweight yeah heavyweight is what how much 275 senior you're you're probably big and slow like if you could be 275 fast you're dangerous but if you're just usually like the guys that float at like 220 are just fast strong and they they they kick ass at that weight so speed kills you want to be fast. Yeah that would be being big isn't as good as being fast.

SPEAKER_05 31:51

Yeah but uh so let's talk man so right off the rip dude we love monot county we're monmouth county guys absolutely when you're in rumsen dude what what's like uh what's your go-to spots in Rumson where you're going out to I know my place uh uh River Point I was just there on Monday chicken pot pie I posted oh yeah because on Monday they every day of the week they have one special because you don't have normal specials and Monday with chicken pot pie and I haven't been there on a Monday and I was like that thing was unreal I don't know like they have a cheap they had a they had a they have a uh a French dip.

SPEAKER_06 32:22

Yeah they do that unbelievable and the duck the duck there on Saturdays is amazing.

SPEAKER_02 32:27

I mean River Point is the shit that's my second favorite restaurant Italian restaurants are abundant here in New Jersey and Italian food is great but man French cuisine is all right so River Point in River Point yeah uh I've been with the bar at Brothers Daily a lot I think they have a great drink mix.

SPEAKER_05 32:44

Uh going there tomorrow night actually oh nice yeah I got turned down that place that's the story well they want to come on the show dude I know it was a little quick little story there was a right during the holidays it was last December I think December and my wife wanted to go there because they have all the shit inside it's beautiful yeah so I was grabbing a drink there before Angelica's and I was just at the bar having a drink and I walked over to the front guy and I was like hey you know any way I can get a reservation yeah and he's like booked up man I'm like yeah I I know like it's December and he's like yeah I know I'm like well can I give you some money goes dude there's no tables I'm like I don't really I don't really do this dude but I'm a host of a podcast and do you know who I am I've never did this in my life I just told the story the other day and he was like yeah what's the name of Sean I'm like oh the bro show he goes cool yeah no tables than I was like go fuck himself you almost got to like him more because he's like no you know what put me in for your next reservation in February easier to go there in the summer because they I got outdoors so that's yeah that's what it's about okay that's what's up Seabright's the best I love that too yeah I love that town too yeah I love going there what all right so what about you Bill come on I mean our me and my wife our date spot lately has been La Lupa I know you know Dan Fishman who've been all the way out to Manalpin huh yeah right next to the Dunkin' Donuts we've been loving that spot La Lupa now you got me now yo my boy Tony Donuts owns that you know Tony yeah I know Dan Fishman okay yeah Tony owns all the Dunkin' Donuts over there dude he's the best okay and then uh they're open up in Princeton are they yeah wow good I can't believe you come out to Manalpin like you so we don't get out that often so we you know we want to have a good time yeah you'll take the drive yeah go out there um Neti's we've always loved Neti's Netties is great at our wedding yeah so that place is great we go to Pascal quite a bit in uh Asbury like the atmosphere there yeah so that bar is really cool in Sabine Pascual yeah Pasqual and Sabine whatever it is really cool bar yeah I gotta tell you gotta give you got to give out to our shout out to our boy Lalo you ever go to the bar at Lalo?

SPEAKER_06 34:45

I do a little bit what's that yeah a little speakeasy in Asbury our buddy Chris oh yeah what's the name is it uh Lalo Lalo underneath Rayla yeah Lalo Rayla Barrio Costello same group oh no way yeah he's the guy who opened up the uh market up at uh Red Bank Train Station also Anderson okay oh yeah I gotta get over there you do it's pretty cool yes dude there's just not enough time in the day they've got a lot of cool stuff already brought a lot of like proprietors of like they brought local 138 fish I keep running yeah so we brought he'd he created like a market concept up there which is I think is doing well I think it's like when they build the full train station up there and they've got several hundred more people up there he's just he's gotta make it till then right you know the food business is tough business yeah local one thirty they call my wife every week to tell them what what they got in and then she goes like oh yeah she goes there twice a week okay I love them yeah I went to Atlantic uh Atlantic offshore yes yeah because I would just have my in-laws and they wanted a lobster roll so they were at Point Pleasant so I asked Jim like where should I go I was gonna go to point Point Po or Point Lobster yeah Point lobster yeah point lobster's also it was between that and then you told me Atlantic I went to Atlantic it was fucking you can't go wrong there.

SPEAKER_02 35:51

Yeah Mike is the man I get all my seafood from him yeah yeah he's the man really good lobster and they they you go with kids they'll show like they take the kids back to like all the lobster tanks and stuff oh really they have the best time yeah I mean look listening to the show they probably can't do that for every kid so I'm sorry but when I go there VIP it's understandable that's where the do you know who I am I guess if you buy a million dollars of seafood you get access to the lobster tank when your kid shows up well you want to know what they did it for my kids too so I think I could do it all right so you don't buy the kids I'm sorry I didn't want to put words in Mike's mouth but they always really and their sushi's great okay their sushi's great menu I was gonna do a sushi but I felt weird ordering the sushi when I was getting a lobster roll so I stayed away from that it was such a big sushi menu I was like do we order this and like her parents they're from Chicago and she's they're like we just want a lobster roll so I was like all right we'll just get some I gotta tell you like my friends have like La Dulce Vita I love it they have sushi now dude it like for me and then I was just at Modern for Jenny's wedding last night the Asian fusion shit with Italian food and I I gotta get over to Pasarama and I'm sure they do it right but dude there's just something about like it's either for me dude it's either like sushi or like at La Dulce Vita dude I'm either do ordering off the sushi menu or the Italian menu I start mixing the two of them it's like I I feel like shit I I can't do it.

SPEAKER_01 37:05

We ate it I don't want to uh we ate a I it's I thought it was Zena but it's called China um in Bradley the other day. Yeah how was it that sushi was the freshest fish I've had what's the name of it China. It's on Main Street in Bradley I just got this it came up from Tom's River I heard they're great.

SPEAKER_02 37:21

Yeah it was phenomenal yeah now you're gonna get me in the car driving down.

SPEAKER_01 37:26

Yeah yeah right couple boxes that sounds funny I'll have to fast rope down though yeah no place to land oh my god I'm sorry so Bill like you know go into like your business I'm I'm curious on like how you started it and you know what you guys you mentioned in Keels like you do big big uh PR boxes yeah we do all kinds of stuff so my dad started the company in uh 1983 two months after I was born so he started he was a sales guy at a printing company and they kept cutting his commissions and kind of messing with him because he was doing well as a sales guy so he said you know what I got a newborn I'm starting this if I fail I'll just go back into sales okay so he opened up uh at a Lair airport in like an old airport hang airplane hangar yeah put a press in there and just kind of willed it to work and uh went from four employees to probably 90 employees built a building in Manasquan in 89 and then in 2004 we moved up to Tinton Falls. I was around the company my whole life I swore I would never work there went to college yeah went to college played lacrosse studied digital media because that was the opposite of printing yeah um totally got into college coaching totally opposite yeah got into college coaching for a few years and um you know was basically losing money because I wasn't getting paid anything but I talked to my dad every night and we're talking about the same thing. I'm running a team he's running a company we're talking about people parts equal the whole getting everybody to buy into a vision so I was like all right maybe I should stop being like a stubborn 24 year old and go give back to this company that's provided a great livelihood for my family and an upbringing so I joined the company in 2009 you know wanted to just earn my keep and not be the boss's kid and uh that was 17 years ago earn my keep and uh now we've basically tripled the company in size we have 250 employees amazing we'll operate out of about 180 000 square feet we're opening 6500 more here in Tinton Falls in the next couple months awesome we do everything from you know a single poster to 15 million direct mail pieces going out the door and influencer kits for small brands major brands you know retail signage and graphics for Calvin Klein Tommy Hill figure we work with all kinds of cool brands like the things on the side of buildings and everything like that like the buildings in the store environment all across North America 95% of our revenue is produced and generated right in Tinton Falls. Oh wow amazing um so if like my kids are walking to Sephora and they see like a L'Oreal like placard with like make makeup on it you guys have printed that maybe yeah yeah so we kind of play at all ends of the spectrum and we work with a lot of big companies but we're only as good as our last job you know so we got to constantly you know prove our existence and like back to your restaurant analogy early like you had a bad meal couldn't remember the name of the place haven't been back since might might have not said anything like for us we are constantly to my defense I'm not usually like that but I think like with world renowned steakhouses that charge you $5,000 a plate if you forget to mark the sous vide fillet I mean that's a big mistake. Yeah it's the one we know so I wouldn't like I wouldn't like toast a local pizzeria or a bagel shop no no no you're talking about a big brand you're dropping five G's for three people at each right it's a New York steakhouse I think there's still a lot of yeah you would never just slaughter somebody with one I mean usually a three striker out no but there's a standard of performance that you expect and I think my point is is like you know we all work really hard to kind of continually earn that business every day and I think that's a big part of our our businesses it's not really about the printing it's about the customer experience how we become an extension of our clients team how we make people feel and we're delivering peace of mind. That was my message at the beginning of the year to our team it's not about this it's about the information yep the communication managing the expectations all that stuff so how are you going after like the bigger companies and getting their business we have about 11 salespeople that I'm really confident in their ability to like represent our company we do a lot of marketing um we're kind of unique in our industry in that way that like we do a lot on social media uh we put ourselves out there and we try to make what we do look cool. Okay. You know we take our brand seriously because our customers are entrusting us with their brands. So it's a lot of like traditional cold calling and then kind of like newer school targeted marketing SEO SEM social media and we try to just show up wherever our customers are because it's it's hard in this day and age with going online right so you say you have a box.

SPEAKER_05 41:59

Yeah there are companies that mass reduce times a thousand that you guys do. And you can go online and go to one of these bullshit online companies upload your image pick a box and be done with it. Yeah why you guys over someone that wants to do that like I want to is it because you guys are on top of it you're local you just you know what you're doing and you just continue to success.

SPEAKER_01 42:19

Yeah I mean that's always the question we have trouble answering yeah because we deliver a lot of value across the different customers we work with but yeah you can go online you can get a box yeah but is it gonna land on your plate and be what you thought it was we're gonna make sure it is before we produce anything and and it's important when it's your brand and you want to make sure it's done the right way. Yeah and for us it's like a combination of yeah we use a lot of technology but our people and the passion and the the you know hundreds of years of experience that we have within the company we got everybody from a you know 35 year season vet employee to you know somebody who just walked in the door that we've gotten excited about printing and making stuff and you know we all have been surrounded by print our whole life there's not a machine that's just spitting out these boxes there's a craft to it.

SPEAKER_05 43:03

It's a vision. Yeah and so we try to kind of bring that through and in how we talk about the company and our products because it again it's the cost right so if someone's saying hey I can get it for cheaper but there's still a price you pay for going on an online like personal tattoo right you want to make a look at you know that's true.

SPEAKER_02 43:25

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SPEAKER_06 43:54

I bet you part of what keeps your customers and your business growing is also that entrepreneurial passion that you hear him talk about. Clear when you're talking about your business, the people who work for you and work in the company with you. Same thing. Like that, there's that entrepreneurial hustle. I watch him and his social media presence. The thing, the visibility and that he that Jamie gives to his life, to his customers and to his audience. I think you see like what comes through is the passion. And I think that if that passion trickles down to the employees, they bring it to the customer.

SPEAKER_05 44:21

I agree.

SPEAKER_06 44:22

And they know that, and because if you see it from us and it's it's there every day, right? I bet you wake up thinking about work and surf, well, surfing then works. Yeah. But you're thinking about it all the time. And that that resonates with employees and they see it. Right. And so they I get on the phone with customers all the time. And I always say that the biggest congratulations we could ever get is if one of our customers leaves and goes to another company and they call us and say, we want to work with you again. Yeah. Right. So that to me is always the biggest gratification I get is that we've proven ourselves so much that when you move and you go somewhere, because we work predominantly with HR. And so when H and HR post-COVID's been turning over and changing roles and changing jobs because they are very stressed out.

SPEAKER_02 45:00

Yeah.

SPEAKER_06 45:00

And they got a lot on their plate.

SPEAKER_02 45:02

It's insane.

SPEAKER_06 45:03

I give them a lot of credit because between the regulations, you know, the work from home, then the return to work, you know, all these things that they've been dealing with. And like just you can feel it in culture. I think that small businesses have struggled with it differently than large businesses. And you talked about it.

SPEAKER_02 45:17

It's a whole encompassing problem. I mean, every single person who works got a pay cut from inflation. Correct. So people are quiet quitting. Yep. Now there's more fucking rules. Yeah. Yes. And it's just like it just we're just being hammered by crazy shit nonstop. Like, why don't you guys suspend income tax for a year or two? Figure your shit out so people could fucking breathe. Yeah. Give us a fucking second to sort out what the fuck happened this last eight fucking how long is like the COVID backlash, all this shit like that. Like give people a second to breathe. But these are problems that like your average everyday person has no idea even exist. And then like trying to open up a business, dude, the amount of fucking the zoning, the building department, the endless amount of fucking departments you gotta get approved just to deliver a refrigerator and plug it into the wall.

SPEAKER_06 46:00

It's it's I think New Jersey is tough from that perspective. Like we've never built buildings, so the things that you guys deal with with building at every step of the way, everybody's got to justify their existence.

SPEAKER_01 46:10

So you know they poke it in the eye constantly. What people don't realize is yeah, I wake up in the morning thinking about work because I got 250 families that's exactly relying on the business being a business. And I answer to my customers, right? So like all of our growth's been organic. We listen to the marketplace, it they tell us what we need to know, but like we're only as good as our last job. Yeah, right. And it takes us five years to get into a place and five seconds to get down slugging, you know, and 250 families. Yeah, a lot of people.

SPEAKER_06 46:40

And if you think about everyone, if like half of them are married, half of them have kids, you know, you're talking about close to a thousand people. Yeah, we have a lot of people. And that's that's a meaningful everyday impact.

SPEAKER_05 46:48

And what was something that's like that's different now that wasn't the way it was when you first started? What's what's changed?

SPEAKER_01 46:54

For me, uh, the biggest thing that we battle every day. When I started, there was a lot of seasoned people buying from us. So they knew what they wanted. Now it's gone the other way. Somebody went to school and studied fashion and wanted to work for a big fashion brand.

SPEAKER_04 47:10

Okay.

SPEAKER_01 47:11

They couldn't get a job in the in the department that designs the clothes, so they're buying the printing. And they just want it to look pretty and they want it to be shiny. And okay, what does that mean? Where's it going? How long's it got to be up for? So there's there's a need in the marketplace for us to fill a void, but if we don't ask a lot of questions, yeah, because they don't know what they want.

SPEAKER_05 47:28

Right.

SPEAKER_02 47:28

I'm one of those people that I'm like, I'm like, Bill, can you help me with printing, please? Yeah, he's like, Well, do you know what you want? I'm like, actually, no, I fucking don't. I want to bring Christmas to people's door, breakfast, lunch, and dinner. Like, help me, help me be Santa Claus.

SPEAKER_05 47:40

But that's the cut then then he can.

SPEAKER_02 47:42

We could give them I somewhat ideas, that's what you bring to the table.

SPEAKER_01 47:45

And we're very good at that. But the longer it takes us to figure out what it is that Jamie wants, money's wasted, right? Well, there's time, right? Because this takes time to make. And you may have an event that you need it for. And that event is booked, and the people are gonna be there. So if I'm losing time figuring it out, I gotta make it up in the manufacturing area. Yeah. And it's hard to do that. But because we do it all in-house, we've got controls.

SPEAKER_05 48:07

You can yeah, you can move around a couple moves and get this thing in the front, you know, to get it done. So you have to.

SPEAKER_01 48:11

And we jump through hoops. That's like what we do. Yeah.

SPEAKER_05 48:14

So what's something in your business that has that is different nowadays than it was in back in the day?

SPEAKER_06 48:19

Uh the push to digitization and like tech use of technology instead of people, right? So I think one of the things, one of the reactions that HR is having is they're being asked to cut costs, right? But the health insurance costs are going up so dramatically, they're looking at other areas of healthcare or of the HR and they're saying, how can we make this more effective? A lot of times what they're doing is, unfortunately, from that perspective, taking out you know, extra resources that might have existed. So HR departments are now slimmer. Um, they might say, you know what, we don't we don't need uh the help of a business like Winston's. We're gonna try and do it ourselves. But I think that some of that uh plus technology creep in the increasing cost that so we use and develop technology, the the speed with which technology is changing is definitely different. Rapidly, rapidly, it's crazy. AI has not yet crept into our business from the like at the core, uh, but it's coming. And I think, I think honestly, I always say to people this like everyone's like, oh, it's AI bubble. I agree, but AI better work. You're right. You're right, yeah. Like no one thinks about like the long-term demographic trends, like that there's gonna be significantly less people on this planet in about 20, 30 years. ELO I MUSTARE. Yeah, yeah, yeah. Of course. But like if we don't figure out ways to increase productivity in the workforce and AI being one of those really cool tools that we'll all use, you're gonna have a workforce that even has higher costs.

SPEAKER_02 49:30

Is that because people just aren't having the kids they used to have?

SPEAKER_06 49:32

There's some that's crazy. The stats that are there, it's it's crazy.

SPEAKER_02 49:36

I mean, I noticed like the my friends that have a high income, you all just have like two kids.

SPEAKER_05 49:42

I have no kids.

SPEAKER_02 49:42

Like four kids.

SPEAKER_05 49:45

Yeah, we're not even gonna do my part. Yeah, yeah.

SPEAKER_02 49:47

I thought, you know, I thought I wanted more, but Kayla's good with two. I mean, how about you? We got two. It's expensive.

SPEAKER_06 49:54

Yeah, but I always advocate for people have them in pairs two or four.

SPEAKER_02 49:58

I would love to have another one, but I'm like, two's good. I don't know. Two's good, car for four, house for four, right? Yeah, bro. If my daughter became a middle child, that would be the end of our house. I mean, she is just she is not built for being, she is not built for middle child, dude. She is not built for that. So, yeah, damn. Wow. So Elon Musk talk about like this too.

SPEAKER_06 50:18

Depopulation, yeah. Like there's the the birth rates in all the uh Western world, like most of the countries.

SPEAKER_02 50:24

Lies, right? Like China lied about their birth rate. I heard they're off by like a couple billion. Like it's not even remotely close.

SPEAKER_06 50:29

It's it's the numbers are what who knows what to believe with that. Yeah, but I think the stats you can't do.

SPEAKER_02 50:33

Well, they're not well, they said with the uh the one child rule for all those years, it was just mathematically like if they really did what they said they did, which they did, right, then there's no way they had that big boom out there.

SPEAKER_06 50:41

Right, there's no way there's that many people there. Yeah, the stats around it are actually pretty uh widely publicly available around Europe and you and I think those are pretty reliable. But I think going back to my original statement, like AI in our business, we installed it in our call center, so it helps our call center agents service information faster.

SPEAKER_02 50:57

You dude, they you can't even know. Like they have um they have like my voice could be uh AI representative, so you think you're talking to me.

SPEAKER_05 51:04

We have ones at our company that call and they're great. And literally, if someone picks up the phone and they're ready to talk, it'll patch it to me. And I always ask them, like, you know, like if it's a client that I'm very familiar with, I'm like, you know, that was AI. Like, no way. Asked me what I did that day, and I said I would just came back from the gym and it followed up with a fucking question. Like, oh yeah, did you do legs? Did you do chest? Like, I was like, holy shit. It's your voice, it's amazing. It's not me, no, it's like an assistant for me, but they're always.

SPEAKER_02 51:26

If Troy figures out how to use his voice, it's over, bro.

SPEAKER_05 51:29

Troy should never I'll be on the phone with Troy for three hours and it'll be his fucking honor sitting here. And they literally they go, Oh, you're you actually oh, you have some couple minutes right now. I can get Troy on the phone. They say, Hold real quick, and they'll call me and say they'll they know my calendar slots if they can fill it.

SPEAKER_07 51:42

Yeah.

SPEAKER_05 51:42

And then I get on the phone with the client, I'm like, you know, that was AI. And they're like, that was that was amazing. Like, I literally I probably would have had a full-blown conversation with this client.

SPEAKER_01 51:51

But think about how that could be used in such a negative, scary way. Oh, I had my identity, my identity got stolen. It's a scary score.

SPEAKER_02 51:58

Yo, Colin, they got me good. They got my digital credit card, which I have a digital credit card, which those are the hardest ones to steal. They got that first. Yeah, they got inside my emails, the admin access. Yep. They they got in, they watched my company for two weeks, they learned all my vendors. Oh boy. And then they reconfigured the uh the domains. So like they all the names and everything, like, hey, you know, we switched banks, we need you to change the uh the the thing. Controller falls for it. Yeah, they shut down forwarding emails, so it's coming from the chef to the controller.

SPEAKER_06 52:26

You really got infiltrated.

SPEAKER_02 52:28

Oh, dude. So what they did was what was crazy, they stole my credit card. Yeah, they bought they probably they bought like high net worth leads, so they probably got you. Yeah, and uh they stole a credit card to buy more names to rip off. Wow. And then they got all that back from the credit card. The insurance covered me. Yeah, and then the credit card covers you too. And then I had to tell my financial controller, like, you I need you to understand something. Like, nobody changes their bank account information. Like, that is the most annoying thing on the planet. Right, yeah. For that to happen twice in a week, nobody does it. So I was like, when we do business with somebody, you gotta see their face, yeah, and you gotta know their voice. Yeah, because it can't just be their fucking voice because they could AI their voice. Yeah, yeah. So you have to like see them. Yeah. So like we need fucking physical confirmation that you change your banking information.

SPEAKER_06 53:11

It's it's wild what these technologies are able to do.

SPEAKER_02 53:13

Yeah, but you you are my assistant got blasted the first day on the job with like Sephora gift cards. Oh, interesting. They got her for like 600 bucks. Oh my god. And she's like, hey, uh, when can I get reimbursed for this? So I sent her to get my prescription, it was like two dollars. And I was like, Well, I was obviously gonna reimburse you, but I didn't like see the urgency in like a two dollar like reimbursement. I was confused. Right. And then she's like, No, like the gift cards. I'm like, the gift cards? What are you talking about? She's like, Yeah, you text me to get gift cards. I'm like, No, I didn't.

SPEAKER_06 53:40

Those text scams, I I've gotten uh like my employees have called me up and said, Hey, did you send me this text message saying you need money rapidly?

SPEAKER_01 53:48

We do a lot of training because we're constantly and then we have a thing with our bank called Positive Pay. So if anything looks a little weird, they're calling us holding transactions.

SPEAKER_06 53:56

If you don't have that set up with your vendor, you should put that in.

SPEAKER_01 53:58

You really should. It really works positive pay.

SPEAKER_03 54:01

What's uh positive pay?

SPEAKER_01 54:02

I don't know. The bank's got some guardrails up, so if anything looks slightly weird before any money leaves your account, they're gonna check it.

SPEAKER_06 54:08

They basically have all your verified vendors and like they don't pay anybody except your verified vendors. Oh, and that sounds like you should definitely have that. Yes, yeah, yeah. So, anyways, um Colin, quick question.

SPEAKER_05 54:19

Sure. Wow. So if I when I sign up for my benefits, I I go for the highest policy. It is what it is, part of my thing. I just select and I move the fuck on. I never looked. I'm like, whatever gold, yeah, okay, no problem. That's what I need. No, I'm taking it.

SPEAKER_02 54:32

Well, Colin just rolled out the new diamond platinum four times the price of gold.

SPEAKER_05 54:36

So what's like something like that I know it's a very broad question, but like that someone should pay attention to when enrolling for their plan? Like a couple things to kind of like at least look because that was a great question. It is. Well, because I I look at it because I have my employees, I'm like, you know, they talk about that all the costs, but like I'm like, yeah, I just I I can't tell them, like, yeah, I just like to fucking hire swap. Like, so I don't say that because it sounds really rude, but now good luck, everybody else.

SPEAKER_06 55:02

So I would I would think the variable is that people it's like when you create a financial plan, right? Like, what are your goals? I think that we think about health insurance the same way, right? A couple things would be are you married? Do you have kids? Right? So let's say I'm married, my wife goes to the doctor, I have uh three daughters and a son, my three daughters, my wife, they go to the gynecologist, you know. That's there's some so there's some regular everyday healthcare spend that's like built into your family. So I would look at what's your family situation first, right? That's number one. Number two is what's your financial situation, right? Number three would be what's your health situation? So do you have regular chronic illnesses that you're dealing with? So you're gonna you know you're gonna come out of pocket for certain things. Um, do you have a planned event? Like you do have a surgery done or something, or you're gonna have a baby. Those are the types of things where you might opt for more coverage versus less. I think that a lot of people like yourself do that peace of mind purchase where they buy the highest plan because they're worried about protecting themselves against the what if. But the company offers an option for you to look at lower, like less generous upfront coverage, but to put like that high deductible plan I was talking about. So if your family situation warrants it and you feel comfortable putting picking a lower deductible plan that has lower premium, you can opt for that. Right. But I think the the variables, and when we talk to people on the phone or we put present technology to them, the questions that they generally go through are tell me about yourself and your family, tell me about your financial situation, and tell me about your health situation. And you use the answers to those three questions to really build out the portfolio of what plan is right for you, which is how much do we think you're gonna use a plan? What does that plan cost, both in premium and out of pocket expense, and what's gonna be the lowest net cost to you based on the options you have available to you?

SPEAKER_05 56:42

So the highest and most expensive is not always the best for every person.

SPEAKER_06 56:45

Often it's not. Interesting. Often it's not because in any one company, roughly 20% of the employees drive 80% of the spend. Troy's treating it like the car wash.

SPEAKER_02 56:55

Yeah, just give me the platinum, get the wheels, get the wax.

SPEAKER_05 56:58

Well, it's me and my wife. We have no kids. So, like I just yeah, just the top one. I just checked the first box. Yeah.

SPEAKER_02 57:04

You're living in Rumson, you should be living in Millstone, you know? Yeah, where the fuck are you paying for the school?

SPEAKER_05 57:09

Yeah, I gotta pay attention to that. All right, in January.

SPEAKER_06 57:11

Yeah, so when I renew. But I think I think that that's a conversation that everyone should be having with themselves like every year, looking at it, going, what what do I need? And it's not just your health insurance, although that's the biggest like you know, dollar amount. It's also thinking about like life insurance. It's also thinking about things like disability insurance. Nobody thinks about that. Yeah. Like so, I think one thing if if there's audiences paying attention and thinking about their insurance benefits, their things at work. The one underrepresented benefit that I would tell everyone to really strongly look at is long-term disability. So that's one of those policies that let's say you weren't able to work for like two or three years, it can pay up to 60% or more of your uh post-tax income. I would strongly urge people to think about that.

SPEAKER_05 57:51

If someone wanted to look into that, like what's a like, you're generally only able to buy that at work.

SPEAKER_06 57:56

It's not generally never a policy you can buy on your own because of the difficulty of underwriting it. But if you have access to it at work at your place of work, and you can buy that policy or you can buy more, let's say your employer buys like a base plan, yeah, buy the difference. Interesting. And it might cost you maybe two to three hundred dollars a year.

SPEAKER_02 58:14

Do employees long-term disability was expensive.

SPEAKER_06 58:18

Short term, short term, short term is more expensive. Yeah. Because the frequency of it is so much higher, right? But long-term disability is that like, you know, you blow your back out and can't walk. That black swan event that happens to you, you're out of work for two years, right? Like w most people could barely afford to be out of work for a couple of months, let alone a few years. I gotta look into this.

SPEAKER_02 58:35

So like like who helps like who hold on. I need to fucking just write this down right now. Yeah, you should that's something you who does the uh who who writes this?

SPEAKER_06 58:44

Uh all the big insurance carriers write it.

SPEAKER_02 58:46

Well, so it would go through my insurance company. Yeah. Yeah.

SPEAKER_06 58:48

Yeah. Whoever gives you whoever sells you at your place of work, like through your company, whoever sells your life insurance.

SPEAKER_05 58:55

Yeah.

SPEAKER_06 58:56

So I would tell you that that is like everyone thinks about health insurance, but very rarely do people think about those other things. Um, and I think if you're weighing the cost of like, hey, I might buy more life insurance or I or I don't have this long-term disability, buy the long-term disability. That 1% chance that you could be out of work for several years and miss all of your income, you'll be broke. You'll be destitute.

SPEAKER_05 59:14

Yeah, yeah, yeah, yeah.

SPEAKER_06 59:14

Right. So, whereas like if you're dead, you're dead. Yeah. Right. It's unfortunate. But like you'd almost, yeah, if you're out for a little bit, you'd almost rather be dead than destitute the rest of your life. Yeah. Right? So you'll never get out of that. So buy that peace of mind insurance because that's what's going to save you from that that being destitute. So if your employer offers it at work, buy it. Yeah.

SPEAKER_02 59:35

Yeah. Just some I just made a note. Yeah. I think I use Mass Mutual.

SPEAKER_06 59:38

So great, great product. I've I have a but they're great. I have a I have a Mass Mutual product too. See?

SPEAKER_03 59:42

There you go. Look at that. Yeah. I'm sure you'll do it too, though, right? The bro show.

SPEAKER_05 59:46

The brow show. Give a medical advice. Love it. Little hamburger talk. Yeah.

SPEAKER_06 59:50

Little hamburger talk, financial talk, eight box talk. It's hard to know everything. It's like impossible.

SPEAKER_05 59:54

We all should have some type of guidance too. You know, like that's it. We get sucked into our phones. Yeah. We're not looking at the real important shit in life all the time. And this is why we're trying to do this.

SPEAKER_06 1:00:05

Think about the little things that we all buy, like incidentally, that add up to 200 bucks a year. Yeah. That if you just had that piece of policy and God forbid something happened to you, like it's paid for.

SPEAKER_05 1:00:13

I just talked about I paid for the fucking blue check on Instagram. 20 bucks a month. There you go. I don't even know what it is. I totally grab though. You know, Apple just randomly just hit you with like nine different things. I'm like, yeah. One day I looked, I'm like, what the fuck is this? And I forgot. I'm like, when that thing came out, I jumped on and I bought it, and I've been paying for it for God knows how long. I'm like, what am I?

SPEAKER_06 1:00:34

An idiot? I'm the uh on the signal.

SPEAKER_02 1:00:36

You're on the bro show now, dude. You just get verified downloaded.

SPEAKER_04 1:00:41

Yeah. I got a blue. I'm gonna be there on fucking Christmas Eve. That's right.

SPEAKER_02 1:00:45

All right. So, Bill, I don't think we got to your favorites in in uh like Manaswan Wall area, dude. Oh, wait, we did get to your favorites. You said Lalupa.

SPEAKER_01 1:00:52

I kind of venture out.

SPEAKER_02 1:00:53

Yeah, Neti's Lalupa. I mean, uh, and that's right.

SPEAKER_01 1:00:56

I mean, my wife's got seed to sprout and avon vegan organic spot. Great. It's been open, I guess, 14 years now. So that's pretty uh near and dear.

SPEAKER_05 1:01:04

Vegan spot.

SPEAKER_01 1:01:05

Yeah. I didn't know what vegan was when I met her. But now you're a vegan. Don't you eat vegan now? I did for a few years, but now I cook lots of steaks.

SPEAKER_02 1:01:13

Yeah, you're at Palmer's all the time.

SPEAKER_01 1:01:14

Yeah, Palmer's. Got it. Okay. I mean, that is He gets great shit, dude. Palmer's a lot of people.

SPEAKER_06 1:01:19

What was going vegan to going back? Like, what was that like? I feel like a man again. Yeah. No way.

SPEAKER_05 1:01:27

That's the biggest thing. Yeah. What's the real definition of vegan? No animal problems. Animal problems. That's it.

SPEAKER_01 1:01:31

And I look, we all know social media is an echo chamber. So whatever your belief system is, you're gonna get it back. Yeah, right in your face. But I think the biggest thing that I, you know, I learned is like there is a very good, tasteful, healthy way to eat, but it doesn't have to be all one way or all the other, you know.

SPEAKER_06 1:01:47

So does your wife still is she totally vegan? She is she eats a little bit of everything.

SPEAKER_01 1:01:52

Okay.

SPEAKER_06 1:01:53

Yeah. So she gets she's all over it. All right. Okay.

SPEAKER_02 1:01:57

It's hard to do that full time. Like I agree. Like, yeah, you want to go meet for a day. Meatless Monday or whatever, it's Lent, you know, give up, you know, shit. But you know, people people like it, dude.

SPEAKER_05 1:02:08

And if it if it's a lot of things, but there's like you said, there's so many ways to eat healthy nowadays that you don't, you know, you have to go full.

SPEAKER_01 1:02:15

Yeah, and like look, some people it's their belief system, so that's the direction they go. Other people just want to eat healthy, but it's like, you know, it's all a learning experience, you know. And uh you find what works for you. Right, exactly.

SPEAKER_02 1:02:25

Um you could be, you know, health is uh it's an ambiguous term. That's why I stopped selling brownies at eClean Bro, because somebody fucking would ordered like 36 of them, and I was like, hey, like, what are you doing with these? She's like, Oh, I love them. I'm like, what do you mean? She's like, Oh, they're protein brownies.

SPEAKER_05 1:02:42

I'm like, no, I'm just getting my protein in. Right, right.

SPEAKER_02 1:02:46

I fucking immediately like disconten like the brownies were great, but they were never intended to be fucking eaten non-stop.

SPEAKER_05 1:02:52

I was like, Jesus, this fucking this was like back in the day.

SPEAKER_02 1:02:54

I'm like, this woman's gonna fucking derail my brand. Right, right, right. All of my integrity.

SPEAKER_05 1:02:59

What are they called? Brownie bites. Dude, I it was done.

SPEAKER_02 1:03:01

I got yeah, I cancelled brownies were gone, so I took them off the menu immediately.

SPEAKER_06 1:03:05

Do you do do you still do any dessert things?

SPEAKER_02 1:03:07

Oh dude, yeah, our dessert's elaborate. I'm about to hire a dessert chef.

SPEAKER_06 1:03:10

We don't promote it enough, but like all of our protein snacks are cakes or uh or like snacks.

SPEAKER_02 1:03:14

So we do like we have like our overnight oats that are like a dessert. We have like our protein balls.

SPEAKER_06 1:03:18

We have our those I don't consider those desserts. Those are uh those I was thinking were something else. I'm thinking like cake. Like a carrot cake. Yeah, we're baking cookies right now.

SPEAKER_02 1:03:26

We're doing something. This we're working with this charity that builds homes for for veterans. Great. So we're doing a dollar for cook per cookie in store, which is cool.

SPEAKER_06 1:03:33

Yeah, awesome.

SPEAKER_02 1:03:34

We just got the pasta. Like, there's a whole bunch of stuff I'm trying to do. I'm trying to get into cheese making because I'll be like, yeah, I make everything but the cheese. And that but the cheese part is making me fucking insane. Yeah. So I'm seeing like hard to do. I can make mozzarella, I can make regatta, but like I'm thinking, like, yo, how far down the rabbit hole can I go with from scratch cooking? Because I think the future of food, basically, dude, everybody's on Ozempic, right? People are eating less. Yeah, so they're like drinking less. Well, if I'm gonna just eat once a day, like what am I really eating? So that's why, like, you know, the taco machine, the tortilla press, the fucking pasta.

SPEAKER_06 1:04:02

You're trying to deliver all the nutrition that you would need for sustainability into like a meal.

SPEAKER_02 1:04:07

Or just something like, bro, you can't get this anywhere else. And I think that's what made eClean Bro pop in the beginning was it was like, yo, you can't get this anywhere else. Yeah. Now that everybody's severely trying to copy it. Yeah. Now it's like, all right, motherfucker, let's go deeper. Yeah. Like try copying me now. All right. Invest in people, invest in machines, invest in innovation, invest in technology, and we're gonna make this shit from scratch. So that's like that, that's the route I'm going.

SPEAKER_06 1:04:28

You're gonna bring up the bring up the quality, which will bring up the taste. And I think that'll, to your point, going back on it, if someone starts eating just once a day, you want that to be an eating experience. I think so. I don't know. I mean, right?

SPEAKER_05 1:04:39

People are not eating at all. Yeah, they're not drinking either. They're not drinking. Yes.

SPEAKER_02 1:04:43

So it's like crazy.

SPEAKER_05 1:04:44

Like it's while the restaurant business, like, you know, we bring a lot of them on, and they were saying, like, you know, things are a little bit slower at certain restaurants, and I was like, I was like, oh, why time of the year or inflation? They're like, no, because of like the Ozepic. And I'm like, what do you mean? They're like, think about this. Husband and wife, usually, like, me and my wife go out, we have two appetizers, sometimes two meals each, dessert, then drinks. Right. Now, let's say we're both on our Zebic, we're going, we're having no alcohol, we're having one meal and we're splitting it. Right. And we're still staying there for three hours.

SPEAKER_02 1:05:13

Yeah, it's killing.

SPEAKER_05 1:05:13

And I'm like, oh, I I thought about it, I'm like, holy shit, that makes total sense. Because I have a lot of friends that are on this, they're not even fucking eating. Well, what's the trailing effect of that though?

SPEAKER_01 1:05:22

Where are the where are all those people gonna be in three years? Not well, man, because it's doing something.

SPEAKER_05 1:05:27

It's you're you're you're cutting off the nutrients to your body. Like it can't be a good thing. I'm sorry, anyone that's on it, I get it, but I don't get it because I do feel that it's all right.

SPEAKER_06 1:05:38

It has to be monitored by a physician. And like you should have a healthcare practitioner helping you with that. Like, and again, I see it on the employer side of stuff. So those those costs, the GLP one drugs, are driving pharmacy benefit costs through the roof.

SPEAKER_05 1:05:52

So is it covered by insurance or it's not all the time.

SPEAKER_06 1:05:56

And it's not like the manufacturers are like, yeah, we're gonna charge you 80% less. Yeah, yeah. When they buy it in bulk, they're charging full retail. So you have companies. We had a Canadian employer, but like we had an employer, big employer, 30,000 employees. Their healthcare bill went up 30 million dollars because of GLP once. Ouch. One company.

SPEAKER_05 1:06:15

One company.

SPEAKER_06 1:06:16

30 million dollars. It's not like they they basically had to take a hit to profits. Where are you gonna find 30 million dollars? Because people got on Ozempic, right? And and wild. So I think look, we're not here to debate the science of these things. They obviously work. Uh but I think to your point, the long-term cost of if you don't eat right, the what's gonna happen to your body.

SPEAKER_02 1:06:35

Well when you stop it, and then what you you don't think it's you're Chinese business is gonna boom, baby. Chinese food is gonna be bringing off the hook. Give me Lomain, give me Montabuchu Banny Egg rolls, give me the fucking sweet and sour chicken.

SPEAKER_06 1:06:47

Everything's everything ice cream, alcohol.

SPEAKER_02 1:06:50

Yeah, I'll tell you the one time when we so I got accidentally sat outside at Angelica's in Detroit, and uh we had brought our wives there, and I was like, I was like, yo, it's right by the beach. Like, how bad could it be? I brought there. He texted him, yeah, dude. I'm making the turn in Red Bank by the Dunkin' Donuts, dude, and I'm looking at the fucking the the dash thermometer and it's like 98 degrees.

SPEAKER_06 1:07:12

Uh oh.

SPEAKER_02 1:07:13

And I'm like, oh man. I'm like, fuck 98. And then Troy sends me like some shit like yo, it's 95 here. Why outside? And I'm like, I'm just like, dude, it's gotta be cooler.

SPEAKER_05 1:07:23

Because like, but first my memory. He requested it. I mean out front. My memory's too. Usually it's fucking great. It was that one, it was like two weekends ago and it was like 99 degrees on a window. Yeah, yeah, yeah.

SPEAKER_02 1:07:39

And it was 99 at like 8 p.m. Oh, that's a good one.

SPEAKER_05 1:07:42

Katie didn't eat his main ports. Dude, I've never seen it before because it was so hot. That's almost impossible to do it on television.

SPEAKER_02 1:07:47

I requested two ice bins for ice. I took the bottles out and I just put my hands in sitting there at the table like this, the whole dinner.

SPEAKER_05 1:07:55

Holy second.

SPEAKER_02 1:07:56

Never seen that before. And by the way, if you guys ever go back to, you know, you guys go to Angelica's, dude, the fucking garlic and oil, man, that is the best pasta dish. I think it hits like best thing on the menu. It is. I and I don't understand how we're gonna do it. I skipped it all these years. I'm going to say I was just like, oh, it's just garlic and oil. Like, oh, it's just garlic and oil. Like, let me put some crumbs on top, dude. That fucking dish. Are you going this week? No.

SPEAKER_01 1:08:23

But the but the best thing about Angelica's is is the service. And I mean, that's why you go out, you go out to get taken care of. Yeah, they take care of you. You look up in that place, somebody's coming up to you saying, What do you need? And like that hospitality, that experience, like we go out. We're away from the kids or want to be taken care of. Yeah. I think for me, like at the Jersey Shore, they set the standard for that for the service. Oh, yeah.

SPEAKER_05 1:08:46

No one can no one can compete with that at all.

SPEAKER_02 1:08:48

I love it there. Yeah. I love going there. It's my happy place. It's it's I have a question for you.

SPEAKER_06 1:08:53

Yeah. So I just saw a story in the Asbury Park talking about how Ocean and Monmouth County are now some of the fastest growing real estate counties in America.

SPEAKER_05 1:09:00

In America.

SPEAKER_06 1:09:01

In America.

SPEAKER_05 1:09:02

Yeah. And it's true.

SPEAKER_06 1:09:03

And so, you know, with things like Netflix coming in, what's your take on how like I saw stats that uh Monmouth County homes average median price is up 70% since COVID. Ocean County's 90%. These are all stats in the city.

SPEAKER_02 1:09:16

I think my home's up 70%. It's up.

SPEAKER_06 1:09:20

Wait, wait, do you think there's a plateau coming? Do you think, or is it the demand is just so high and it's just demand is so high.

SPEAKER_05 1:09:25

Really? And this is just what it is right now. And there's still low inventory. But there's still 3,500 homes on the market right now, actually, in Monmouth County. So it's interesting. So it's like a it's a weird pocket. So it's booming. If the right house is on the market, it's going. I mean, houses are still going 150, 200 grand over asking price, still right now. Yeah. And the only issue that I see is when rates do come down, which they may not come down to twos or threes. It's not going to happen again. But if they come out in the fives or high fours, guess what? Those people that are on the sidelines are back in the market. Right. And it's going to cause even more chaos. Right. And the price is not going to be a good thing. The inventory's still going to be. It's not going to solve. Or you'll you'll have a couple of people that are in the twos and threes. Yeah. They'll sell because they'll make more money. They'll go to four and a half. Right. So you'll get that part of the market that will come back in. Yep. But the Netflix thing, like, listen, we go back and forth with this thing all the time. Like, is Leonardo DiCaprio going to be living in Rumpson? No. No. Maybe he'll rent here for six months and he'll be here. He'll be at a restaurant or two, but they're not going to live here full time because New Jersey still sucks with tax. It's it is what it is. There's still going to be in LA. They're still going to be in place.

SPEAKER_06 1:10:28

We just happen to live in the best part of New Jersey. We do. It's the hidden secret to send part of New Jersey. It's too late.

SPEAKER_05 1:10:34

And it's booming and it's there. Listen, it's happening. The sound stages are up. They'll be done by 2027. It's going to be chaotic. It's going to be crazy, but it's also going to be good for things. All the restaurants, all the businesses around the area. Yeah. We're in a very, very good area and it's just getting better. Maybe it's getting more populated, but it is what it is. This is what America is. It's funny. It's popular. It's got to go where the opportunity is. But the market in itself, it's not going anywhere, man. No, definitely not. It just keeps going in. We're what in July almost and it's still rocking. It is what it is. It's good. Good. Awesome. We just need rate to trickle down just a little bit. Just a test. Just a little. We don't want it to collapse.

SPEAKER_06 1:11:11

Where are they at? Where are they at right now?

SPEAKER_05 1:11:13

National average, regular loan, probably low sixes for a 30-year fix. Yeah, for jumbo loans, you can you can you can get like probably mid fives for a jumbo loan. Okay. So like it's there. Okay. What's a jumbo? Anything in Monmouth County, anything above 806. 806 loan amount. Okay. You can fit into the bucket.

SPEAKER_02 1:11:31

806,000? Yes. So pretty much any big ass house is getting a jumbo loan.

SPEAKER_05 1:11:35

Yeah, but if you buy a house for, you know, a million, you put down 20%, you're below the mark. So it just depends on what you're doing. But yeah, jumbo that so the rates are it's it's fine. Just everyone just they're doable. They just hear that they're still high. And everyone just thinks they're high.

SPEAKER_02 1:11:48

They're listening historically though, like fives are not a high loan. No, no, no, absolutely not.

SPEAKER_05 1:11:54

Honestly, if you between 5.8 and 6.25, if that's making you uneasy about a payment, you're in the wrong pocket of a house. Right. And that's honestly, I'm not knocking that. No. If $300 or something like that a month is changing your life, you're looking at the wrong house. Correct. Go to period. Go get something more affordable. Or go in a different area because that's what it is.

SPEAKER_02 1:12:15

The hidden cost of owning a house, dude. The first year I lived at my house, dude, I had $12,000 of tree removal that year. Thank God I was rich then, not anymore. If I could deal with that, no problem then. Listen, you buy a house.

SPEAKER_06 1:12:26

Now you bought a chainsaw.

SPEAKER_02 1:12:28

I got lots of chainsaws. Yeah, but these trees are so fucking big. But uh yeah, I use I use my boy Masterscapes to remove my trees. But yeah, dude, if you can't, if if like a quarter of a point is stressing you out on the interest, but then a tree falls, dude, your fucking kid's not going to camp. They're not going on vacation, you're totally fucked. Down to you.

SPEAKER_05 1:12:51

All these other things that the banks really don't look at in a way. So you gotta manage yourself that if that is making you like, holy shit, the rate is too high right now, you're looking in the wrong bucket. And that's it. Just shift shift it a little bit, you know. We all want to be in the big, beautiful house in the beautiful town, but be realistic. Right. That's it.

SPEAKER_06 1:13:11

Right. Make it manageable. Yeah. So it's sustainable. It is. Right? That's what you gotta do.

SPEAKER_05 1:13:15

That's it. Yeah. Don't don't work to pay your mortgage. And I sell it to a lot of clients because my clients always ask me the big question, and then I'll stop uh talking about mortgages, is they always say, What am I pre-approved for? I'm like, what does it matter? What do you want to spend per month?

SPEAKER_06 1:13:29

Right.

SPEAKER_05 1:13:29

Because if you're telling me you only want to spend four grand a month, but you're telling me if I can improve you for five grand, but you don't want to pay that. Right. So don't worry about what you're pre-approved for. Right. Tell me your comfort zone and we'll work backwards. And that's people usually be like, you know what, that makes sense. Yeah. Because you always have the wife that's like, I want the bigger house or whatever it is. But if your budget is your budget, don't worry about what your max is.

SPEAKER_06 1:13:49

I like that I like the approach you're taking with that conversation because it really just reframes it into let's be let's keep you in that house. Right? Yeah. Let's keep you in that house.

SPEAKER_05 1:13:55

You don't want to be in there with no furniture and then maybe going bankrupt, you know, just to impress the Jones, you know, keep up with the Joneses, whatever it is. Like, yeah. Come on. Stay in your lane. Everyone wants to be in the big house, big pool, but stay within your means. Yeah. I like it. Yeah. That's me.

SPEAKER_02 1:14:11

That's good. I think with that said, I think the show's come to an end. Okay. Okay. But you know, wow. I think uh we've murdered. This was a great episode.

SPEAKER_05 1:14:20

I had a great time. Can you talk about what we have on the table? Just other than this box. So what's this and what's this?

SPEAKER_01 1:14:25

Yeah. So this is uh our Hatteris calendar. We put this out every year. We run a photo contest.

SPEAKER_05 1:14:31

Are you in it?

SPEAKER_01 1:14:32

No, I'm not. I've I mean the waves look really good there. I'd love to be surfing.

SPEAKER_05 1:14:36

Um I Jamie thought that was you.

SPEAKER_01 1:14:38

Yeah, that's not me. Okay. But uh we run a photo contest and then we put this calendar out. We just gift it to our customers, and it's kind of something we become known for. So this is a kit. There's like four different calendars in there. And then this is uh an influencer kit that we did for my wife for the Seed to Sprout cookbook. So we she made a cookbook. She was on diners, drive-ins and dives. No way. So that got some publicity. So we made 5,000 hardcover 200-page cookbooks. Did you print the cookbooks? I printed the cookbooks.

SPEAKER_05 1:15:05

Oh, wow.

SPEAKER_01 1:15:06

Nice. Um, we're we're also the fulfillment house for the cookbooks. And then we built this influencer kit. So in here is a book. Uh, there is a drawer you pulled out with uh seed to sprout, coconut bacon, and some uh chili oil. So I got there's one here for each of you guys. Wow. So yeah, we flexed our capabilities. And it's cool when I get to work on something like this because I do a lot of commercial stuff with big brands. But when I can help, you know, it's my it's my wife's life's work in this cookbook, you know. So I got to bring that to life in print. And granted, this was my wife, so it was very like near and dear to my heart, but like I love helping people out with you know, taking what their vision is and bringing to life whatever it is, whether it's a book, a kit, because a lot of the stuff we print, somebody's got to print it. It might as well be us, but it's really not that fulfilled.

SPEAKER_06 1:15:53

But this is this is this is someone taking someone's idea. I think I mean this is a lifetime. If you're a small business or a medium-sized business in Mamoth or Ocean County and you're looking for promotional ideas and and products, here's your boy right here. Yeah, cool.

SPEAKER_05 1:16:04

And we'll get some clips of it because we're gonna open it up some more. Bring your idea to life.

SPEAKER_06 1:16:07

But I think I think you're right. You you've talked about it, you guys both talked about it, like that personalization for your customers, delivering something that they opened, like, oh, this is thoughtful. Yeah, like this represents your brand or your brand, and the person that they went with created something unique and interesting, you you know, your with your brand. I think that that's something that every business should be looking at. We've done stuff like that.

SPEAKER_01 1:16:26

Well, and I I think I know we're wrapping it up, but like this jettisoned out of COVID. Granted, you were doing it before, brands couldn't get people into their stores. Yeah.

SPEAKER_05 1:16:34

Yeah.

SPEAKER_01 1:16:34

Everybody was online. How do we get something in the people's hands that are online so they can share it with their audience and create this brand experience? So that's really what this has morphed into. And now it's just keeping up with the Joneses. Every brand is doing it, so everyone's like, whoa, they're doing it. We got to do it. They made a cool kit, we got to make a cool kit. So it's just it's kind of contagious and it's created a lot of opportunity for us.

SPEAKER_05 1:16:55

I love it. All right. Awesome. Well, thank you guys for coming on. Oh, yeah. Did you have fun? Yeah, absolutely. Troy, Jamie, thank you.

SPEAKER_02 1:17:01

Um I'm looking into long and short-term disability for my staff.

SPEAKER_05 1:17:04

Seriously. That's the biggest tip I got from today. Yeah, dude. All right, thanks, guys. All right, thank you guys. Thank you, everybody listening. For episode six. We out.

SPEAKER_02 1:17:14

Nice. Special thanks to Raceway Freehold. With over 500 pre-owned vehicles and a huge selection of new Kia, Nissan, Chrysler, and Jeep models, there's something for everyone. Plus, expert service for all makes and models with convenient pickup and delivery. Raceway Freehold, where you always finish first. Life moves fast, and so should your meals. At eClean Bro, a proud, family-owned company, we make eating healthy simple, affordable, and delicious. Every dish is crafted fresh, never frozen. With real ingredients you can trust, whether you're chasing fitness goals, powering through long work days, or just want to feed your family right, we've got you covered with lightning fast delivery, chef-driven flavor, and nutrition you can feel good about. We make it easy to stay on track. Eat clean, feel great, and live unstoppable. Because when you fuel your body right, nothing can hold you back. Eat clean, bro. Real food, real fast, delivered. That was a good one, bro.

SPEAKER_05 1:18:13

Yeah, I was surprised. I don't know, because I was I didn't know what to expect coming into this episode.

SPEAKER_02 1:18:18

Yeah.

SPEAKER_05 1:18:19

And I had a good time.

SPEAKER_02 1:18:20

Yeah, you were you weren't like, well, they don't have any followers on Instagram. I didn't say that. Yeah, these are the behind the scenes guys that you don't even know exist.

SPEAKER_05 1:18:30

Yeah, shit gets done.

SPEAKER_02 1:18:31

Yeah. But I was super, it was awesome. It's cool, right?

SPEAKER_05 1:18:33

Yeah. What was some of your uh key bro show takeaways with this one?

SPEAKER_02 1:18:36

Right off the bat, dude, I didn't realize that long-term disability was that cheap. So I I'm a sucker for like you go and you buy the shit like the gold plan. I'm like, yo, it's cheap, fucking buy it. Like fuck. Like the uh some of the policies, like the the EPLI insurance, right? Like it's like 10 grand for the year. It covers you with so much shit. It's like one of those policies, like your employment, um, employee protection, liability. I don't know.

SPEAKER_05 1:18:59

I just look at the section, whatever the top one is, I was like, yeah, of course I need that one. But I may not even need that one.

SPEAKER_02 1:19:04

Well, you think it's like the car wash, you know?

SPEAKER_05 1:19:05

It's yeah, yeah. I always want the platinum.

SPEAKER_02 1:19:07

Fucking platinum.

SPEAKER_05 1:19:08

Inside, outside, tire shine. I want the whole thing.

SPEAKER_02 1:19:10

Light it up. Yeah.

SPEAKER_05 1:19:12

You think I'm going there just for an exterior?

SPEAKER_02 1:19:15

Yeah. But yeah, dude, those are my boys.

SPEAKER_05 1:19:17

Yeah.

SPEAKER_02 1:19:17

And every time I'm with Colin, I learn stuff. And what's funny about Colin is his wife is even smarter than him. So it's funny.

SPEAKER_05 1:19:24

Pretty smart guy.

SPEAKER_02 1:19:25

Oh, dude, yeah, his wife is an absolute savage too. They're both savages. Yeah. And Bill was awesome. Bill's the man.

SPEAKER_05 1:19:31

His uh the box he did for his wife, the cookbook.

SPEAKER_02 1:19:33

That's cool.

SPEAKER_05 1:19:34

Really cool.

SPEAKER_02 1:19:34

Oh, yeah.

SPEAKER_05 1:19:35

He's got a good business.

SPEAKER_02 1:19:36

Grade A people. Yeah.

SPEAKER_05 1:19:38

So I think I'm gonna reach out to him and uh I have an idea that I wanted to do for a box, and he says that's definitely doable. Okay. So I'm gonna see what happens.

SPEAKER_02 1:19:46

Yeah. Well, hey, I had a great time on the show. Yeah.

SPEAKER_05 1:19:48

It's your birthday tomorrow.

SPEAKER_02 1:19:50

Yeah, I'm turning 40. It's gonna be good.

SPEAKER_05 1:19:52

Oh. Wow. How do you feel? Do you feel you're okay with that? Like, I didn't give a shit. When I turned 40, I was like, yeah, bring it on. Like, you do you feel something?

SPEAKER_02 1:20:02

I don't know. I'm getting blood work tomorrow morning, so we'll see how I feel.

SPEAKER_05 1:20:05

So that's not gonna be good then.

SPEAKER_02 1:20:06

Why?

SPEAKER_05 1:20:07

Because you go nuts with your blood work. You're gonna find something that's gonna bother you, and you're gonna say, Oh, because I'm 40 this time.

SPEAKER_02 1:20:13

No, I'm not getting it back. I have I'm on TRT. I've been doing blood donations and my fucking iron is fucked up because I've donated blood so much. But like that's all that's why I'm done I'm trying to just see if my iron's coming back. That's why I'm getting the blood work done.

SPEAKER_05 1:20:25

What does TRT do for you? You feel good about it? Like what is it?

SPEAKER_02 1:20:27

Yeah, yeah. I mean, obviously the body composition changed. Like you're just you burn fat better, your muscle better. Like insane. Yeah. But like there's side effects. I wouldn't recommend everybody do it. You gotta it's like what you want to do.

SPEAKER_05 1:20:39

What's some side effects?

SPEAKER_02 1:20:41

Fucking prostate cancer.

SPEAKER_05 1:20:42

Oh.

SPEAKER_02 1:20:42

Yeah, like sh like, come on, man. They're not like the people selling it aren't gonna tell you, but like people that like ride out testosterone for a while, like heart attack, stroke, yeah, prostate cancer, like like the shit could kill you.

SPEAKER_05 1:20:53

Yeah, yeah, yeah, true. So like do you feel like you have more energy?

SPEAKER_02 1:20:56

Yeah, I'm never gonna go off it. I'm never gonna go off it. I'll find a way to stay on it forever. Okay. Why would you know? I don't wanna like stupid shit too, like aches and pains and shit like that. I feel like it's just good.

SPEAKER_05 1:21:06

Okay.

SPEAKER_02 1:21:07

But I'm not I'm on a medical dose, dude. I'm not like fucking juiced out of my mind. So big four-o. Yeah. I know. Welcome to the club. Be with my kids. They just had their last day of school yesterday.

SPEAKER_05 1:21:18

Oh, summer is officially in play. Do they go to camp? No. No.

SPEAKER_02 1:21:24

No. We're well, Tina does the horse camp, but mostly they're with us. Yeah. I want to be around this summer, man. Well, I'm around I'm always around.

SPEAKER_05 1:21:32

You're always gonna be around.

SPEAKER_02 1:21:32

Yeah, I'm always around.

SPEAKER_05 1:21:33

You do a lot of stuff with your kids. You're always around. You're always around.

SPEAKER_02 1:21:36

But you know, you always want to be better. Yeah, of course. So, yeah, it'll be good. Okay. All right. I had a good time. Oh, it was great. I'm hungry. I need to go home. Go eat, man. Go have the little Andes. It's probably cold now.

SPEAKER_05 1:21:46

Yeah, I don't want to eat it cold. Yeah. I want the experience. I want to go to the truck and get it right now.

SPEAKER_02 1:21:50

I'll go with you, man. You let me know and we'll go. Not today. Not today.

SPEAKER_05 1:21:54

No.

SPEAKER_02 1:21:54

Yeah, we gotta I gotta go show Colin my store and then I gotta get home. Alright, cool. Well, thank you all guys for listening. This I I was happy with this episode. I knew it would come together. Bill, you know, Bill and Colin were part of my Vista group, and the conversations that would go pop off in that room were just for entrepreneurs, man, it's gold. So check it out. I love it. All right.

SPEAKER_05 1:22:12

Like, follow, subscribe, comment, do all that fun stuff on the bro show. Okay. Please.