Episode 9: Special Guest, Andrew Liebowitz, from Senior Management Group Inc.

🚨 9 Cats, A $2.4M Hamptons Home, and 24/7 Care: How This 87-Year-Old Pulled It Off! 🚨
Think you know how reverse mortgages work? Think again. 🏡💸
In Episode 9 of the Care with Confidence Podcast Series, we sat down with Andrew Liebowitz from Senior Management Group Inc. to talk about one of the most incredible, heartwarming, and clever aging-in-place strategies we’ve ever heard.
Andrew breaks down how an 87-year-old gentleman managed to stay safely in his stunning $2.4 Million Hamptons estate, secure 24/7 professional care, and—most importantly—keep all 9 of his beloved cats right by his side. 🐾❤️
💡 What You’ll Learn in This Clip:
The Reality of Aging in Place: How to tap into home equity without being forced to sell.
Funding 24/7 Care: The creative financial tool that bridges the gap between fixed income and premium home care.
The "9 Cats" Factor: Why preserving lifestyle and comfort matters just as much as the finances.
"It’s not just about the money; it’s about dignity, comfort, and keeping your family—even the furry ones—together."
🔗 Full Episode Premiers 6/30/26 10:30AM on our Youtube Channel and streams to our Facebook, Instagram, LinkedIn, Business pages, including Spotify, Iheart, Apple etc.
Don't miss the full breakdown of this ultimate eldercare win.

Transcript

SPEAKER_03 0:01

Hey everyone, Jolly Day from Day to Day Senior Care. How are you? Back again. It's been a while, about a month, since um we've had any podcast series going on, and I really missed it. I really, really missed it. And I'm glad to be back. Um, there's a lot going on in the business, and I'll be explaining that in our uh day-to-day um podcast series with starting your own senior care business. But there's a reason for my exit for a while, it just got really busy. Um, but we are back, and I'm very excited. This is our Care with Confidence program.

SPEAKER_02 0:33

Um, and I'm very excited to have a special guest with us that's um very involved in in the senior care industry, and uh came to to know him several months ago. Um really, really nice guy. He has a wealth information, been doing this a long time. Andrew Liebowitz, correct?

SPEAKER_00 0:53

That's correct, thank you.

SPEAKER_02 0:54

How are you?

SPEAKER_00 0:55

Great to see you, Charles. Thank you.

SPEAKER_03 0:56

Yeah, great to see you too, buddy. Yeah, thank you. So uh yeah, we met, uh, I think at first we found each other on LinkedIn, right?

SPEAKER_00 1:04

Correct. Yeah, that's you on everywhere I could find you. I said I gotta get tracked down as Charles Day. He's uh seeing your pages from my LinkedIn, and um, I finally ran into you a couple of months back.

SPEAKER_03 1:15

Yeah, yeah, and I was interested. I've seen you around as well. Um, because you're very involved from the Alzheimer's Association, you're very well connected with uh with a lot of people in the home care, medical, non-medical industry, which to me is a whole brand new um industry for me because I spent my years in the hospitals and the South Oaks hospitals of PsychAid in the late 90s and the assisted living, and then finally my six years in uh nurse home administration. So stepping out in 2024 of November and coming in to uh this whole new industry, which honestly, I think we've shared this. There's some really nice people, real professionals out there.

SPEAKER_00 1:56

Really great people. I love I love this industry, I love everyone in senior care. Uh fantastic people with the same passion that that I have.

SPEAKER_03 2:04

Exactly. So yeah, so uh we'd like you. Um tell us a little bit about um who you are, uh the the company that you're um in, and um yeah, take it from there.

SPEAKER_00 2:19

Okay, so I'm Andrew Liebowitz. I've been in the mortgage business really since high school, going back to the and you know, back in that time we did forward mortgages, everything was forward. Uh we would help, we got into subprime as as uh was a curse later on, but uh we really helped people. And you know, I always heard about the reverse mortgage and didn't know much about it, but um someone would come into the office and say, Oh, do you have any business for me? I'm a reverse mortgage guy. And at that point didn't really know about it. Uh this was at the really end of um I'd say the the forward phase for me, which was in 2007-2008, and uh that's when banks started going out of business. Ironically, at that time, um I I was following other people in the industry that did exit at that point, and some got involved in the reverse game. I was asked to come in, uh partner up with somebody when my company was closing, and I said, I don't really know much about it. Uh a couple of years after that, my own mom got a reverse mortgage. So I started to learn. And you know, in this industry, we we really get into this industry and we do what we do, whether it's senior care based on our family. I find a lot of uh people grow their passion based on family experiences. So my mom got this reverse mortgage, and um I began learning about the product, and I said it was really helping my mom. At that point, she took a reverse mortgage against her house and she put her money into annuities that would support her for a lifetime. She still has it, and um, she lives in Saiasset. So she got this reverse, and I gotta tell you, it's been great for her, but people take it for you know many different reasons. Fast forward uh 2012. I jumped in with both feet and I created something called the Senior Sam Show, which was a puppet show with reverse mortgages. If you YouTube Puppet Show to teach reverse mortgages, actually, if you go on YouTube and you look up Senior Sam Show for reverse mortgages, you'll see a puppet show I did to teach people the reverse mortgage business. I'm I play the parts, I sang the songs, I wrote the script, and it was fun, and and it got written up in um the mortgage news and and so forth. And and I thought I was gonna market that and use that to uh really get leads for different companies. But as time went on, I said, you know what, I'm gonna I'm gonna really get involved and um I really want to do this for seniors. I I thought this was a great product to help people, especially uh people that wanted to uh, you know, uh retirement income is not enough, pensions are enough, and and it supplements their income. The biggest problem with reverse is that people thought, oh, the bank owns your home when you take out a reverse mortgage. It's the biggest no um misconception. So, you know, getting around that misconception even today is is the challenge because when people take out a reverse mortgage, um, they stay entitled, the kids still inherit the home. Once people understand that, they're on board.

SPEAKER_03 5:27

Okay. Um and I mean a lot of people, you know, are not aware. Well, I shouldn't say a lot of people, but there are people out there that are not aware of generational wealth and how to manage that. Um, you know, the last thing you want to do is sell your assets anyway. You want to be able to use them to your advantage. Loans are not, you know, taxed, you know. So if if anything, reverse mortgages is a good way to go, correct?

SPEAKER_00 5:53

Correct. So it's it's not considered income reverse. Um and that's that's really important. So it's not it's not income. Um, you know, people are taking this for whatever they need. Uh home care is number one right now, it's the number one need. People, um, a lot of the the agencies are private pay. Medicaid is not so easy to get, and Medicaid has limits as to how much coverage you can get in your home. And people, a lot of times, people need round-the-clock care. So, what we do is we sit down with families and we sit down with the seniors, we go over the product. We don't sell it to anybody, we go over it. We educate, and you know, we'll we'll show up, we'll sit down with with somebody for hours to go over something, go over the you know, different options they have, and we never read this, we never sell it to anyone. Um, it's all about education. Once people know what it's about, um, they'll decide at that point whether they want to continue with an application, and um they need to get counseled over the phone by a uh licensed uh counselor, FHA counselor. So we don't just you know, we're not just running to the races and going with this. We make sure that they understand and there are some such safeguards. Remember, the seniors are only using a portion of their equity to fund whatever they need.

SPEAKER_03 7:10

Let me ask, let me ask you a question. Uh, a perfect example. Um I have a family that um they're in their 90s, right? The husband and wife, I helped transition them from a nursing home, well, from their home to a nursing home because my you know, the wife needed the rehab and he took the ride, and when he was there, you know, he kind of stayed too because there was some issues with dementia, so they didn't want to leave him alone, so it was all good. So, anyway, they came out and we transitioned them to uh uh sister living in Atria.

SPEAKER_01 7:42

Right.

SPEAKER_03 7:42

So now they're getting care there, they're on a certain level of care. Mom needs some non-medical companion care, so he fills those 12-hour shifts per day, seven days a week for mostly overnights. The money is being spent, the family's constantly in touch with me, and they're like, because this is all evolving in real time now. So this is a good example. I want your answer up or suggestion. So now they are tapping into sorts of resources because mom is in a private room, dad's on memory care, and that's a private room. So now you got two already, so they're using two incomes, then they also, I mean, two, they're paying for two rooms plus a companion. How can we save them money? The house is already paid for, right? They they were already looking to sell it, possibly. Um, you know, they or a lot of the uh stuff that's inside, do the estate sale. But coming from from you, what would you suggest possibly that we could discuss with the family?

SPEAKER_00 8:45

So if they're living in assisted living and they're not at home, not at home, that we can't do because it has to be owner occupied. The you know, and and they owner occupied, okay. Right, so they can't that's considered if they're moving out and they're not at home. Okay, um, and they're no longer on home care. Okay, if one of them was and one, you know, one was in a facility, that'd be different. But at that point, they would have to sell their home. Um a reverse mortgage could not be uh granted to somebody that's not occupying their home. They could have a vacation home and spend you know part of their their uh their time there, or if they go into facility and come back, that's okay. But once you're once you leave your home, um you can't get a reverse mortgage, you know. So this is really for somebody that um is getting care in their home. So it's aging in place. Aging in place okay. Right. So in that case, I wouldn't be able to to help them.

SPEAKER_03 9:40

Um that's that's actually that's I'm actually glad you brought that up though, because that is a very important point. Um because I have other client families as well. Yes, I mean some of them want to be able to, you know, stay in their home and get that companion on medical care and may eventually need medical care companions as well. But well, take a look at it this way.

SPEAKER_00 10:02

If they were to, let's say they borrowed the money last year or two years ago, whatever, and they took the money and they put it in a line of credit because with the uh reverse mortgage, we have an option of uh you get money lump sum the first year. Uh the second year, the money goes into a line of credit, it becomes available the second year. So if somebody's borrowing and they keep that money in a line of credit um and it's there and they need it, and then eventually they have to move to a facility, at least they have their funds in place. So that would help them tremendously if they do have to move. Um ultimately they can't keep the reverse uh unless they're staying in their home. But you know, emergency funds are always always needed in in cases like that. So look, with a reverse, you're you know, or you're getting home care, you're either doing one of three things. You're getting money, you're taking money out of your bank, out of your investment accounts, you're leaning on family to help you. Um a lot of families have their own pressure, so you know, they have their own lives going on, or you use the uh the equity in your home, a portion of your equity, and take out a reverse mortgage and let your house work for you. You know, values have shot up. Yeah, so values have shot up tremendously over the last few years. Um, and equity has been, you know, really uh it's been plentiful because of of the uh values going up. So, you know, with the reverse, the older you are, the more money you get. Um if you're taking this loan out in your 60s or 70s, 62 is qualifying, if you're taking it out, you're the bank is only going to lend you about 30% of the value. And that's gonna cover the mortgage if you have one. If you don't have one, you just go for the uh lump sum or line of credit. And um if you're in your your 80s, the higher you are, your 80s, uh, we can go even higher. So um it really depends on your age. The the reverse is age-driven inequity. That's all it is.

SPEAKER_03 11:58

Age-driven inequity. Okay. Yeah, okay. Um, it's really good to know because I'm learning tonight too. That's you know what I mean? Because a lot of these clients, um the families will have questions, you know, now and then about oh, how do how can we stretch the funds? Like, I'm the expert. And I'm like, I've been in, I've been in, you know, in the industry, but I've been on the inside, but I don't do any mortgage, no, no lawyer, uh, you know, no legal stuff. I if you want to know how to get from one's uh industry, you know, like in a hospital or a nursing home back to your home, I know how to work that, but all this other stuff that's where there's specialists such as you. Now, fast forward, um, because this is good for our care with confidence, because this is where families, whether they are signed up with us or just viewers that are on our um our uh YouTube channel, which by the way, shout out to everybody. We're nearing a thousand subscribers, and we just started in March. I don't know who everybody, but I just want to thank you all very, very much. Um, but this is great news. Um, to to now, what about the situation with um nursing home? Now I'm very savvy with you know with the admissions and getting people in, but if how would someone be proactive um with a situation such as this? Should they get their reverse mortgage ahead of time? And yes, you could share from here, yep. Because you know the Medicaid scenario, right? Yeah share some of this with us.

SPEAKER_00 13:24

What I believe is look, um, you never know what tomorrow is going to bring. You don't know what what happens, and like you said, with assisted living, nursing homes, whatever, you don't know the future. And here's what happens uh some people come to me and it's it's very late in the game, which is okay because the whole process takes uh three weeks from beginning to end.

SPEAKER_03 13:44

Okay, three weeks?

SPEAKER_00 13:45

Yeah. What happens is we if we get a phone call, let's say it's someone in senior care or home care or whatever, and I get a phone call or a text, you know, give me a call, I'm in someone's home. I could run a scenario right there on the spot, and I just ask a few questions. I find out the age of the borrower, um, find out the their values. We can look it up, we have information, you know, between um real estate geodot or whatever it might be. We'll find out comps immediately. Uh, and we just find out what their mortgage balance is if they have one. What's on their last mortgage statement? Some people don't have a mortgage. Yeah, but if they do have if they don't, so we we qualify them right away within five minutes. We can run it through the system, find out what someone would qualify for. Um, all we need is five things when we when we do a reverse. We uh you need a copy of their award letters so we see what they're getting, um a bank statement, copy of their insurance ID, um, and that's it. And and and basically uh it takes us three weeks. We we set up the counseling, we take the application, uh, we set up the counseling. Counseling is done within 24, 48 hours. We can then get an FHA uh case certificate and we can order the appraisal title, literally close uh within a two, three-week time uh time period. But uh, you know, we make sure that we go to a home, we go over the program, we'll go more than once, we'll sit down with families because the families want to understand it, they want to make sure that this is safe. Uh, the FHA counselor is going to tell them on the phone every single thing that we told them and go over it to make sure they understood. And, you know, they also um when a closing happens and the funds get wired, they do not, there's no check, there's no grandchildren or kids that can steal the money from their parents. We've seen it in the past. Um, you know, we've heard horror stories. Uh not with us, thank God.

SPEAKER_03 15:43

But um, no, that's unfortunate. Yeah.

SPEAKER_00 15:46

So when somebody says, oh, reverse mortgage is is dangerous, it's terrible, no. What happens is any anything that you've heard in the past, it's like anything else. When you don't pay your real estate taxes and you don't pay you know your real your upkeep, the real estate taxes, if they're not paid, there's going to be a foreclosure, a tax foreclosure. So what will happen is um if the kids aren't aware of what goes on and the parents pass away, uh, and then the kids are like, Well, I didn't know there was a reverse mortgage. Oh my god, I thought there was all this equity. That can happen. So, you know, it's important to communicate with your family, but um sure, sure. You know, what happens, Charles, is that this is the safest loan that could be that we you know we stay on top of our people. As long as they're paying their real estate taxes and insurance, there's no issues. They don't have to make monthly payments for the rest of their life. If they get a statement and they want to, they have options. Every month somebody gets a statement and they decide, am I gonna make a payment or not make a payment? Most of the time they don't.

SPEAKER_03 16:49

Oh, okay.

SPEAKER_00 16:49

So it's a regular mortgage with negative amortization.

SPEAKER_03 16:52

Okay. But it is so they they have to pay, they definitely have to pay their property taxes, obviously. Right. And any other insurances for homeowners, but the reverse mortgage doesn't have to be a monthly payment. Is that what you're saying?

SPEAKER_00 17:07

No, you give it an option. I tell people if they're taking out a reverse, it's called uh a heckham, home equity conversion mortgage, which is government loan. Take a chunk of money and put it in a separate account.

SPEAKER_03 17:18

Let that pay your interest interest bearing account? Well, it could be sure.

SPEAKER_00 17:22

Let that pay your taxes and set it up with the bank so that when your taxes come quarterly after whatever, you know your taxes are being paid. You don't have to worry about it. Um, that's the safest thing to do. There are programs where where if the credit is not good, the bank is going to take what's called a lease of life expectancy set aside, which means that they're gonna pay the taxes, escrow the taxes and the insurance for a set amount of years. That's a safety. So the bank wants to make sure that it's safe. So you can escrow for taxes, um, either voluntarily or inventorily. It depends um on the program. If your credit is not good, they're gonna escrow for taxes.

SPEAKER_03 18:02

Sure, sure. But you know, like uh I would think a lot of uh elderly people have paid off their mortgages. I mean, I know my grandfather bought his house in Levitown for like five thousand dollars when uh Levit Levit had the first streets done, you know, when he's coming out of the army. So um we find uh yeah, now you know now it's worth a lot more than that. But um, yeah, so now if if they if their house is all paid for, does that is there any any difference in um interest rates as opposed to someone who still has a mortgage and now wants to borrow from an a mortgage, you know, an existing mortgage on a home?

SPEAKER_00 18:44

Yeah, you know what's funny, I gotta tell you, the somebody came to us uh last week, they were rejected for an equity line of credit, home equity line of credit. They had no mortgage, but they were rejected. They wanted income, they wanted you know different, different uh information, and their scores weren't good enough for a home equity line of credit. But they took, you're going for actually a reverse mortgage now, and we're giving them a lump sum and an equity line of credit, they're treating it um, or just the you know, a reverse um acting as a HELOC in this case. So they want to make payments on it, and they they have that choice. You can take a reverse mortgage and act as um a forward, and you can make payments if you choose to. So it's just easier to qualify. So some people are comfortable making the payments, and that's what they want to do. They decide every month if they want to make payments. Sometimes they'll make uh 10 out of 12, sometimes six out of twelve, some and most of them never make payments because you know the reverse mortgage doesn't come due, the balance does not come due till you pass away.

SPEAKER_03 19:47

So that's important to know.

SPEAKER_00 19:49

Let's say somebody borrows 200,000. I'm gonna give you an example. The properties, let's say they're worth 900, a million, whatever it might be. Someone gets 200. So the next following month they decide not to make a payment, it becomes 202, 204, so it grows. The uh interest is is you know um compounding and and uh the balance goes up. So but understand there's so much equity. Let's say they pass away 10 years from now instead of 200, whatever they owe, yeah, brand change, and now the kids get the home. Uh they decide they're most likely gonna sell it. They can refinance it in their name if they want to keep it, but most likely they have their own lives, they but and they decide to sell it. So they're only paying off what the bank is owed, and they pocket the rest. Yes. It's you know, it's great.

SPEAKER_03 20:41

I mean, look, it but there's also that capital gains tax you got to be careful with.

SPEAKER_00 20:46

Very, very that's why seniors don't move. If you're gonna move, if you're gonna relocate in your 80s and you're paying that capital gains tax, that's a lot of money, especially when you there was improvements done or whatever. I know. So this is why we say with the reverse, you can age in place and you want to fix up your home, you know, instead, fix up your home, you'll have the money to do it. Live a little bit, do something with the money if you want to. Um, or just you know, don't don't um don't struggle. There's no reason to struggle with with the reverse. That's what it's there for.

SPEAKER_03 21:19

So, you know, don't bother your kids, don't to take care of your husband or your wife that needs companion care, medical and uh non-medical, or you know, the family agreed that you know, and dad's not uh to the point or mom where they can't make a decision, and it's a good time for them to say, look, we could do a reverse mortgage, pay for this care, and still keep the house and the generational wealth and keep away from the capital gains, get that reverse mortgage, and then when you Charles, you and I wait, you and I both know someone named Stephanie who's fantastic.

SPEAKER_00 21:53

So for example, yeah, I know Stephanie. So Stephanie once referred someone to me, the the gentleman. had nine cats I believe in his home and he was not he was not leaving his home he said there's no way I'm going to assisted living and ironically he had a reverse on his house and um the property it was in the Hamptons it accumulated so much it was worth 1.4 million and um it was no it was actually worth 2.4 the loan was 1.4 we had refunded the reverse into another reverse got him more money paid it off and he has home care around the clock around the clock he's 87 years old so perfect timing yeah I'm never moving into a assisted living facility I want to age and play stay at home and get the care here so he's got around the clock care and this is somebody that that you know absolutely was adamant about staying home and it could be for any reason it could be anyone in senior care it can be um it doesn't have to be a home health aid it can be someone getting senior services companion services whatever it might be we just want seniors to be happy we want them to not struggle we want them to be able to afford the services that you know they that they're that are out there there's so many great home care professionals that you and I both know and this is something that can help them.

SPEAKER_03 23:12

And I've seen a lot of families struggling when they try and you know save the house they don't want to do anything with the house they don't want to take out a loan but they want to go through PPL they want to try and get you know Medicaid they try to do all these things if they're not qualified they're waiting for months before that they get a a notice that says they can't you know get more than 10 hours a week of care now they're still looking for a uh you know they're still paying privately for the companions so this is this is really good information to have um I don't know something else Charles I want to tell you that people don't know that this is the only loan two things two features you can get a reverse mortgage and a trust it's held in a trust that's a that's a good thing that's huge that's huge of course also it's the only home equity line of credit that grows so if you have money sitting in your line of credit that second year money and you say well I'm not gonna touch it or you put money back in and you just let it sit and you let it sit it grows with the interest rate that's unbelievable.

SPEAKER_00 24:16

I know there's no other loan that does that no that's true yeah yeah okay now two things uh qualification uh you had mentioned earlier so uh common minimum credit score has got to be in the low sevens at least and we're looking at um tell me more you know what what what types of uh had you asked interest so credit can be in the fives Charles in the fives wait you're ready to oh yeah because you're going with the you're going with the AF how about this wait that's right your credit score whether you're in the fives or you're in the eighths you're getting the same same rate same program it only depends what about what happened to the income ratio so if you have um I'll tell you about that in a second if you have derogatory credit okay and let's say you have a bunch of lates and it could be a government it could be a student loan could be anything that is government it can be a foreclosure situation um you know that's that's a little bit different in terms of qualifying um and then comes the set aside uh so the program changes that way but uh you know they're gonna escrow for taxes then and you ask about uh qualifying ratios so the bank wants to see in most cases you're gonna get uh you're gonna have your your award letter which you're gonna have your Social Security um you're gonna have some people have a pension some people have uh other sources or whatever that might be but in this case they just want to make sure that you can afford the uh real estate taxes and insurance oh that's the most thing okay this is why when people go for a traditional loan um and they don't qualify this might be their qualifying loan this might this might be it for them where they can get a reverse mortgage and and okay my God they've been rejected by other banks this is much easier to qualify for this is really good good information to know Andrew absolutely we can help everybody because sometimes mortgage balance is too high sometimes the value is not there if this was like if it was you know if it was uh sometimes we see a balance and they're in the fours and the fives or whatever and it's just too high and uh unless their values are really high we're not able to get them so we we take a look but we'll we'll know right away you know whether we can help them or not. Well that's yeah at least they know there's there's an easier path than the traditional yeah and also um you know it sometimes these people are just they're they're really in a bind and they need this money and um they they have to pay for their FHA uh counseling certificate because that that's something that must be paid for. If they're having an appraisal issue and and they're struggling to pay the appraisal we're gonna step in and we're gonna help out you know and and front that in in many cases.

SPEAKER_03 27:03

That's great news too. Yep now with the escrow um because you know how like with traditional mortgages sometimes you take out a little more than you need because that helps with the down payment that helps with the first month's mortgage you know is there anything that could help them with that escrow payment they need to put up front well we say to them look if you if you're taking out a lump sum of cash it's good to put it in an account uh to pay for those you know to pay for the taxes pay for the insurance pay for pay for that and keep it in in in in a separate account so you know it's there um you know but this is not a loan that is escrowed we're not escrowing unless unless it's mandatory or unless they really request it um so you are paying your taxes and insurance on your own unless you really request it they'll set it up so that that it is being paid that way.

SPEAKER_00 27:54

You know the bank isn't going to say no we're not gonna do that but you know so it's it's really the safety of the seniors we want to make sure everyone's safe they want to make sure everyone's safe um you know this is backed by the government it's a home equity conversion mortgage we do have loans that are non-uh proprietary works are jumbo loans that aren't FHA and for that a senior may say well I I want all the cash up front and I don't care about that line of credit. I need the money I need everything up front yeah there's still um a loan to value that's safe but they can access all the money up front in that case and sometimes they need it.

SPEAKER_03 28:33

And look and I'll tell you another scenario too think about this and this has happened grandparents helping their grandchildren with down payments on homes we've seen that um they know that they're living there for the rest of their life nothing's being affected so they're helping their children we saw one case where somebody helped their child get out of a couple get out of foreclosure and have no mortgage at that point struggling struggling grandchildren and this is being able to help a lot of people so the grandparents didn't feel it because they stayed in their home they didn't make any monthly payments and they were able to help their their grandchildren and that's true it we're doing a lot of good for a lot of people well you've been doing this for a long time I'm glad I got to know you um day-to-day senior care will happily um refer you um because uh obviously uh as we continue to uh to uh you know do our uh meet you know meet new clients along the way and all I always uh there's always questions and when someone asks about how can I save money oh I don't know how to do this uh we need we need uh mom cared for what can we do dad's willing to do something well that's when Andrew steps in thank you Charles basically yeah because it's a good way honestly I just learned from today it's a good way to take money and use it for the family in time of need to get that home care and start worrying about all the complexities of going through this and that and PPL when you know what you earn you worked you earned it you bought the house it's time to to help out a little bit appreciate Charles one thing I mean some some people I can tell you some people are fine they're financially you know they're doing great and they don't need this is not for everyone it really is but the people that we can help look you find out if if if it's something for you we we if it's not you just sit with the information we'll we'll give it to you we'll come to you and you sit with it and you decide at a later date but yeah you know we just I love what I do I really do I know you can see you're passionate about you've been doing a long time too anyone like you and I if if we've been in the business long enough for with our you know with our careers you know you you have to have a passion otherwise this type of business you know you can burn out easily right I mean absolutely um so everybody uh listening tonight we're gonna be wrapping this up shortly but um andrew's gonna share where you can reach him where can they reach you at Andrew so you can reach me by it's funny you can reach me by cell by calling by texting 516 790 4829 and um yeah and the sign and the sign in the back yep right there as well change your life um what we'll do is we get I'm in the business development uh department specialist we send somebody to your home within 48 hours and nice you know which is good and and and we'll sit down with you with the family um but that's the easiest way to reach me 247 every day uh by phone by text and I'll get right back to you if I'm if I'm driving um but uh you know so I'm happy to help and and uh Charles I really appreciate you having me on your show this was great yeah yeah we'd like to have you on again in the near future too as we uh continue to uh do our podcast series um and again I mean I may be giving you a call with a family in action saying Andrew come over here this family needs to talk all right I really appreciate it though um thank you so much Charles really I appreciate being on the show and I'll see you out there in uh you know in the community because I know we're gonna meet up again all right absolutely no doubt about it thank you all right thank you andrew you have a good evening you too and thank you bye everybody all right bye bye bye