Talk Wealth to Me

#059 The Million Dollar Trap with Tracy Cousineau

October 16, 2020 Felipe Arevalo, Chase Peckham, Tracy Cousineau Season 3 Episode 8
Talk Wealth to Me
#059 The Million Dollar Trap with Tracy Cousineau
Show Notes Transcript

This week’s guest is a true powerhouse! She had to make her way in the world at the young age of 16. Life threw many roadblocks her way including a marriage that she knew wasn’t good for her or her children. She also, like others had to endure the 2008 crash which turned the real estate market upside down

Through all of that she persevered and is a super successful real estate entrepreneur and business coach. She is co-founder of the #1 real estate team in the Atlanta metro area, and is the coach of real estate agents across the country.

He also wrote "The Million Dollar Trap" which brings together what she's learned through her time in real estate and in life. Her goal is to help women who feel stuck and help inspire them to know they can do anything.

We talk about how she put every last penny back into her business and learned how to use what finances she had to build the life she thought she never dreamed of.

Support the show (https://www.sdflc.org/help-sdflc/donate/)
Intro:

[inaudible] Welcome to Top Wealth To Me, a safe space podcast, where we chat about anything and everything related to personal finance. The information contained in this podcast is for educational and entertainment purposes only. It does not constitute as accounting, legal, tax or other professional advice.

Chase Peckham:

Hello, and welcome to another edition of Talk Wealth To Me. This week, we sit down with a real powerhouse. She is from the Atlanta Georgia area, 20 years in real estate. She is the cofounder and broker of real estate expert advisors and the author of The Million Dollar Trap. Her life is inspiring. There's heartbreak, but more than anything, she cares about others and wants to push people to be the best they can be. So, Tracy, would we talk personal finance with people? We also love to know the origin from which it came. Give us a little bit about your background, how you got into what you did and the journey that you've taken to get where you are.

Tracy Cousineau:

So I'll start from , um, I've been on my own since I was 16 years old and I , um, went 10 years in property management. And then I went through a situation at the apartment community that I was working at, that I had a client or a tenant at the time, just did a lot of damage to the property. And , um, it led to her going to jail, like calling me, collect from jail, wanting me to bail her out and all this crazy stuff.

Chase Peckham:

Wait so how old were you at this time ,

Tracy Cousineau:

Oh gosh, I was 24.

Chase Peckham:

So young! Man.

Tracy Cousineau:

So I would go home and pass a community college. And this sign out front of the community college had red, bright lights every night in the dark when I would go home. And it would say real estate course real estate course. So I figured, you know, what, if I can lease apartments, surely I can sell some houses. Right. So I did that. I went to school at night after working all day and I , um , had $12,000 in my 401k, which was a lot of money at the time and.

Chase Peckham:

At that age.

Tracy Cousineau:

At my a ge. And, u m, I cashed it out and went straight forward into real estate. And haven't looked back,

Chase Peckham:

So let me ask you a question? Why did you need to, at that point you just needed capital to get started?

Tracy Cousineau:

Oh yeah, yeah . Being an independent contractor, knowing nothing about real estate and marketing at the time it was, I needed, I was door knocking, so I needed money to be able to bring items with me to door knock, but we didn't have the internet back then, you know, for real estate or any of that. So , um, you just ha you know, you did a lot of newspaper daily post advertising, but other than that, it was, it was difficult back then.

Chase Peckham:

Yeah, I can imagine. So at that time, when you're just, you're on your own at 16 years old, I mean, you, you basically had you , you had street smarts. I would imagine. I mean, growing up on your own and figuring that out, I mean , that had to be in, but that had to take a lot of huge gut check to say, okay, I'm going to take this money and I'm going to try to, and I take it. You were doing kind of two jobs at the time to keep afloat . I mean, how did you do both?

Tracy Cousineau:

So I, as soon as I got my real estate license, I gave my notice and I went,

Chase Peckham:

You did?

Tracy Cousineau:

Oh yeah , no, I went, I went from a clock in clock out, knowing what your income was going to be to full straight commission. Yeah.

Chase Peckham:

That's a scary leap that a lot of people don't take because of the lack of security in that. But what was it inside you that had the foresight to say, this is worth taking that chance?

Tracy Cousineau:

There's two, there's two answers to that question. One could be that a, I didn't know, better lack.

Chase Peckham:

Ignorance is bliss?

Tracy Cousineau:

Yes. Yes. So I didn't know dif you know, it was just kind of like, Oh, this is what I'm going to do. And that's usually what I , how I am is I'm online too . And I'm just going to figure out a way and get it done. Right. So it was, I just didn't know better. Um, but then when people challenge me, I can, I want to prove them wrong. And so I had a lot of challenges and it just brought on determination that I was gonna make it happen. Um, and there was no other option. So I , um, I just did it and that's just always the way that it's been, you know, I did lose everything of a value and myself and , um, you know, marriage and all that stuff during the great recession. So, you know, I was very successful when I first got into real estate all the way to the great recession, you know, had an great size team and lots of, you know , new construction in the area and , um, lost my house car, you know, went through a divorce. My mother passed away of cancer. And it just, there's a lot more to the story that you'll read in the book. But , um, I had a hundred and I think it was 180 $656. I have the bank statement , um, that I found and in my checking account and just, I never want that feeling again. I was in a different place going through that recession and I'm always the victim and it really sucked until I realized that, Hey, this isn't, this isn't me, this isn't what, how I want things to be. And so I went from that to being where I am today in 10 years.

Chase Peckham:

And that's it , it's amazing because the book really I've read excerpts and it , and it's , uh , it's really about perseverance. And I mean, I was, I obviously I've been around there and I was working in the golf industry at the time. And we were at a conference when that, when news was breaking, that the market was hitting the fan. And I'm telling you, you've never seen so many successful people, literally just lose all the color in their faces and just run for cover phones were going crazy. And I remember that incredibly terrible feeling. You know, I ended up moving into a different career after that because it just kind of hit the fan, but not nearly to the level you did. So let me take you back a little, let's take you back a little bit and kind of discuss, you know, where you were. And I don't mean to bring up bad feelings , um, but it's in the book. So go take us through that part. When you leading up to it, you were persevering, everything was great. And then the crash will take us kind of from there of cause many people, we talk about personal finance all the time, buying a home as emotional, all those kinds of things. So when things like that happen, it can take you mentally and emotionally into a completely different place. So how did you first, if you can kind of describe it, cause there are many people that are feeling that and feeling that right now, honestly,

Tracy Cousineau:

Right.

Chase Peckham:

How did, what was it like when you went through that and then, and then as you get through it, tell us kind of go through that part of how it took you to get out of it.

Tracy Cousineau:

So the first, the first thing, you know , where I go back to, to, to begin answering it is, you know, for years I had known that I needed to get a divorce and knew that the verbal abuse was, was awful and that it was, you know, I was losing myself, right. I started believing things that I was being told. And , um, I remember quite a few times writing checks to a divorce attorney and then I call him and go um, let's just stop the divorce. I'm going to figure it out. And if I can tell you why all of those times I kept stopping, it was all about finances and it was, can I do this on my own? I have two children and am I going to be able to do this? And one day I had a conversation with myself and I said, you're the one paying for everything right now. Anyway, what would be the difference? You just don't have another human breathing next to you. And, and so that really was the saving grace of, you know, what enough is enough of this. I don't need to be treated this way nor do my children need to think that this is how marriage is, and this is how we should live. And I need to make this decision, but it all re you know, and I remember writing that last check and it was the end of October-ish . And I remember telling the attorney, I said, look, if I call you and tell you to tear, tear the checkup and stop the divorce process, just say, okay, got you. And hang up because I know we're going to get through the holidays and it's probably going to weigh on my heart and then I'm going to start doing it, you know ? And then I'm going to find myself back in the cycle again, writing you another check. And I said, you know, if court were to happen during the holidays, just move it. And don't tell me about it. And let's just process it after January. So I remember right after the holidays, I was notified that we had court on February 1st. So, and that was February 1st, 2008 economy was just fine. I've finally gotten the courage to get out of it. I would be financially fine and come fall was like, Oh, wow. It didn't really hurt my business until 09. Um, because I did have a lot of new construction and stuff going on. And so, you know, those were, there was a pipeline and, but it really hit in 2009. Uh , you know, my builders filed bankruptcy, foreclosures, you know, or they weren't wanting to pay commission at closing because it put me in a situation that they couldn't close if they had to pay me too . So it was, it was just a lot of stuff going on. And then , um, you know, at that time trying to do a loan modification, being a commission based 1099 was difficult. But I believe at that time that the bank also put me in a situation that they shouldn't have. And I think that a lot of that, the way that they handled loan modifications and helping people were a lot different than they are now during COVID, instead of working with people, they didn't want to really work with people. Um, I remember calling and not being behind. And , um, BoA said, you've gotta be 90 days late before we can talk to you about a loan modification. So what they did was they all set us up for failure. They all set us up to be in a spiral process that at the end of the day, you were going to be foreclosed on for the most part, they did more foreclosures than they did loan modifications. And I did a lot of short sales. Um , and so , so it was, it was a hot mess. So, you know, that just started it, but then it just kept spiraling. You know, it was like, you lose, you have pride. And it's like, wow, I'm going through all of this. And then it's like, I got all this pride, but look at what's going on. And it just started, I started drinking and, you know, going out a lot and hanging out with, you know , a different crowd of people. And it just, I mean, it was a long process and, but enough was enough. And, you know, I played the victim for a long time because I didn't know any, and everybody at the office that the brokerage that I worked with at the time, they all had a negative mindset too . So if I would go to work and be around people that had a negative mindset, I hung out with people at a bar who held up a bar that had a negative mindset. Then I'm going to be the average of everybody that I'm hanging out with. And it just, it just kept spiraling for a few years.

Chase Peckham:

Misery loves company, right? I mean, people hear that cliche quite a bit. And I think this is the inspiring part of this is take us through when the aha moment happened. And when you said, look, the world's changing around me. How do I change with it and prosper from it?

Tracy Cousineau:

Right. So November, 2011 , um , I was asked a simple question , um , that really just clicked and I was working on a short sale. So my passion and helping people is always there. Like, that's just, I mean, I , as growing up, you know, being an adult , um, I'm a giver and, you know, I'm working long hours working on short sales and some get approved. And some don't some take six months, some takes two years. And you just never knew during that time, if you were going to get paid or not get paid, but you still did it. Um, and I , I did a lot of short sales during that time, but I remember I was specifically working on a short sale. Um, and I remember the client's name, his name was Fred Sherman and it was Bank of America. And I was, I know exactly where I was sitting. I went from a 5,000 square foot home renting a 1300 square foot home. And I was sitting in the kitchen and I was asked, you know , "what are you doing?" And I was working on a short sale, went over the whole situation of what I was doing. And that wasn't really the question that was being asked. The question was, "what are you doing?" You know, you are successful. You had a great business before the market's picking back up. People need you, you know, if you can sell homes without people losing them or short selling them that , you know, people are starting to see more equity starting to come. Now at the end of 2011, things are picking up. We went from that buyer's market. Now we're going to go back into that seller's market. You can start to feel that I wasn't showing up where I needed to show up in my life because I needed to change my mindset. I needed to get back to who I really was. And so I went to Tony Robbins and , um, really started dissecting a lot and learning a lot. And I immediately, I mean, there was no, Oh, it took me a week to figure it out. It was, it was immediate, you know, and I learned a lot , um, you know, I've done a lot of Tony's thing , um, courses and his conferences and, you know, it's, it's been great. It's a lot to learn and it really helped me get a lot of fear, anxiety. And, you know, even public speaking, I can do that now or before I'm shaking. Even if there were the four of us sitting at a table, if we have to talk, I'm like, so it's, you know, it's , you have to find the things that are gonna help you push through. And that's what I, you know, I keep doing, whenever I get into a slump, I'm like, okay, what is the solution? How do I get through this? What do I need to do next? Where do I go? And research, you know,

Felipe Arevalo:

It's funny, you mentioned public speaking because it's so, it's so many, people's biggest fear. And people sometimes make up their mind that they're not good at it. They don't like it, and they're never going to be good at it. But I used to be terrified. It was my biggest fear.

Tracy Cousineau:

Oh yeah. I would not go to school if I had to do a book report.

Felipe Arevalo:

Oh yeah. If I had to read in front of a class of 15, 10, five, it was not going to happen.

Tracy Cousineau:

I'm shaking my body, shaking my voice shaking. And then all of a sudden you'll start to see tears roll down my face because I'm like,

Felipe Arevalo:

Yeah , yeah. I used to be my biggest fear. And I, I tell people all the time I do public speaking all the time. You can change your mindset. It just, I do it for a living. You just have to make that conscious decision to make that change and, and then put in the effort because you can't expect it to.

Tracy Cousineau:

It's you subconscious mind and if you learn to control your subconscious mind, instead of it controlling you it's game changer.

Felipe Arevalo:

Yeah. It's a huge, it's a huge thing. I , it was just, and I think for me with public speaking, it took really failing at it really bad. A couple of times consecutively to realize it's never going to be that bad again. Um ,

Tracy Cousineau:

And I don't want to look like that again. So,

Felipe Arevalo:

So I commend you on being able to flip that switch on so many different parts of your life, all around the same timeframe, which is, which is great.

Chase Peckham:

I can't wait until my daughter, my 10 year old daughter hears this because she said she didn't want to run for class office this year because she didn't want to do a speech. Again, it scared her so bad the first time. Um, and it's just timely that you guys are talking about this because , uh , she could, it would be really beneficial for her to hear this

Tracy Cousineau:

Well. And you , to really, what I said to myself is if I continue to live in this fear of not being able to speak, I'm holding a lot of other people in my community and around the world, maybe in that I have so much knowledge and stuff to give and share and experiences. And if I can't, if I can't get out of that fear, how can I help someone else? And it's all about serving others. And so if I lived this fear and couldn't share, how am I helping others? And so maybe she looks at that way, as well as if I'm able to this, who am I helping

Chase Peckham:

She didn't win last year? So the she that, that failure, that, that, that the gut wrench that she had from her peers, not picking her feeling like they must not like her because they didn't choose her. And it wasn't her fault. Right. It wasn't, it was a failure by just other people. It wasn't like she did it. It's that , you know, that you didn't create the crash, right? You didn't do anything like that, but yet you're feeling like you're stuck. And so And, you can hear the Tony Robbins in that and serving others. I love it. We're good friends of Cherok and Amanda Robins his his son. Um, and they just had a baby, which is phenomenal. Um, but it doesn't happen overnight. So you, you do this kind of take us where you saw now, as the markets are changing, you really start to accelerate at that point and start to recreate yourself, even though you were incredibly knowledgeable, take us through that.

Tracy Cousineau:

You know, at that, you know, coming, coming back out of the recession, it was, it was boots on the ground. It was, we had no money. You know , we had no money and it was, don't have money to market. Um, Facebook was free and Facebook was my best source of income for marketing. And it was just showing up, you know, and I would work 24 seven and I would go from appointment to appointment to appointment. And every closing the money went back to marketing. You know, it wasn't, I was going on this trip for that. I mean, it was, everything goes back into the business. Everything goes back into the business. We're growing the business, we're growing the business. And so it was just understanding priority and goals. You know, it's like, what is your journey look like? Where do you want to go? Because you should always figure out where you want to be and then work backwards. So, and then figure out how you're going to get there. Versus I would think I'm going to do that. But if I do this first and yeah, and then you never get there because you got lost along the way on somebody else's journey or path, because you never stayed where you needed to be and go. And so that's been, you know, eyeopening and now, you know, there's things in my life that, you know, writing the book and doing all that, that if I allowed others to stop me in that path , then I wouldn't be talking to you and I wouldn't be able to help your daughter. And I wouldn't be able to, you know, get the story out there and realize that sometimes the people that don't support you, maybe shouldn't be there. Maybe it was just that journey led you to where you're at now. And it's just always just thinking differently and finding solutions, but looking at all opportunities and the way that they come at you , um, of why things happen or why people enter your life and why they leave your life. And it just makes you stronger and better. And, you know, I'm able to walk into a lot of situations and talk to a lot of people because I have been through so much stuff as much as I was like, Oh, why, you know, I'd wake up every morning going, you know, God, I'm so far down. I don't think I can go any further. So just give it to me while I'm already down. Because when I get back up, I don't want to come back down. But then when I come and look at that now is, you know, what, we do have to fail to continue to grow. And so every failure that comes my way, I just, you know, I used to sit at home for days and cry over stuff. And now I've learned to like, it still bothers me because I care so much, but I've had to learn to just brush it off. And so my days have maybe moved to one day or a half a day or a couple hours or a few minutes just depending on what it is. Um, so it's just, it's just learning from growth.

Chase Peckham:

And you, you said something that struck me, and it's something that we talk about in the, in the world that we work in and , and the many, many people struggle with. But you mentioned that every dollar that came in you , you were putting it back into the business, back into the business, but what did you do for your personal life when you started to see success? Did you stay in that same 1300 foot or 1300 square foot place and, and grow the business until, okay, now I can afford this. Or did you just incrementally pay yourself what you needed to live on, make your kids comfortable and then throw everything else back in there instead of vacations.

Tracy Cousineau:

Yes. So, no. Yeah, we totally , um, we were either paying for coaching, Tony Robbins and other stuff like that to help us get through, you know, getting the sales coming in and getting that, you know , new structure of what his real estate industry look like now. And, you know, doing all of that. So, you know, at that time we started realizing that we needed to go outside of the industry so that if the industry, wher ever to hit something like we're going through right now, we're just going to keep going, because we're ahead of the game. And we want to make sure what the biggest, the , the loudest marketer wins, the person with the best content wins. You know, when it's learning all these kinds of things, how do you get through something? You know, this is technically my third recession, I guess, since I've been in the industry, we had 911, then we had the great recession and then we have COVID. And so it's, you know, even looking back and going, gosh, I remember this one. I really remember this one, but this one it's been amazing. You know, we've been able to help a lot of people that needed because we showed up in a different way. Then I showed up 10 years ago during that. And so I realized, man, what if I would have shown up how I showed up this time during this recession back then, how would it have been? But then I'm like, no, that is so selfish because you wouldn't have learned all of these heartaches and all of this pain and you wouldn't be where you're at today to help other people get through it if they're going through it now.

Chase Peckham:

So that's really great that you mentioned that because , you know, our timeline is pretty similar as I was getting into the personal finance industry and educating, which happened by accident, which is a whole other story, but it was around the time it was 2009, right? So everybody, I mean, the word short sale was in our head every single day. And a lot of this came from some incredibly elaborate loans and a lot of different things. So take us, you mentioned, this is your second or third recession. There is a difference between these, right. So take us through that, especially in the real estate market.

Tracy Cousineau:

Yeah. So , um, you know, the re we all know the real estate industry , um, was, was really hit during the great recession. And it was, it was fabricated appraisals and, you know, loans. And I mean, you bought this house, you get a free car, you know, but we're going to put the car into the appraisal, you know? And so there was just a lot of stuff going on and, and I think it needed to stop. It really stunk when it stopped, because it's really held the real estate industry together this time, because everybody remembered the pain of the last time the banks remembered the pain, the homeowners remembered the pain and who wanted to go back there because most people that were there 10 years ago are finally getting out of such a rut. I mean, it didn't happen overnight that you got out of that rut, or you grew your bank account back to a certain level, or your house actually caught up to the equity that it needed to be at from those times.

Speaker 2:

Right. Because all those, all those homes that sold in 2006 , seven, and most of age , we're so.

Chase Peckham:

Under water.

Tracy Cousineau:

Over priced that now we were finally getting to this balance and then, you know, 2020 hits the market's been great. I think the commercial market maybe harder, and they've been hit because of all of the, you know , big box brands and smaller mom and pop companies that didn't make it a different part of the industry got hit versus residential. Um, you know, the biggest thing on the real estate side for this is, you know, they didn't tell us that, you know, if you deferred your payments on your mortgage, that is going to stick for some time, you know, 12 months, if you want to sell your home, remember you just told your current mortgage company that you couldn't pay your payments. You got a hardship. So now how do you go and get approved? What happened to your hardship? And so they didn't come out. They just kept saying, Oh, if you are in a hardship, we'll defer your payments for a few months. But now we're saying that if these people want to sell, they're having a hard time.

Chase Peckham:

That's interesting because we had a few people, a lot of people that we were talking to that whether less than the mortgage, but there was a few friends that literally their banks just said, you don't need to pay it.

Tracy Cousineau:

Yeah.

Chase Peckham:

you're fine. And the fact that there would be a negative repercussions because of that is crazy to me.

Tracy Cousineau:

Starting to see that. Yeah.

Chase Peckham:

It seems to me, especially in the San Diego and Southern California area , um , we're seeing real estate even booming. Is it the same? Would you, you can speak to Atlanta, but nationwide of your knowledge.

Tracy Cousineau:

Yeah. I mean, the, the, I mean, we're, our business is up this year, over last year. Um, so definitely, you know, homes are selling certain price points. Aren't selling maybe as fast as we would want them to be, but , um, sales are still here. Mortgage rates are amazing right now. And, you know, I even tell my clients that if you're getting, you know, lots of equity, then, you know, interest rates are lower so low right now that maybe you should, if you're going to get, let's say a just for the numbers of this, a hundred thousand dollars, why do you not put all a hundred thousand dollars towards your next down payment? You might want to put some in the bank to earn a higher interest or whatever, instead of paying it because your interest rate right now is 2.75 to 2.99. Somewhere in that range, over 360 payments is really low. And if you need any cash later in case something happens and you need to go to the bank and borrow money, it's going to be a lot higher. It saves some money, put it over here versus all over here, because it's, I mean, it just makes more sense to do it that way. Not to mention that , um, we don't know what's going to happen. We don't know what, you know, we don't know what 2021 is going to bring us from 2020. And it's just being prepared because I don't, I don't want to see anybody lose their homes. Like they did 10 years ago.

Chase Peckham:

A lot of people say, you know what? I should write a book. You know, I have life experience. I should write a book. I mean, I've thought of that too, but you actually did it. What was it that said, you know, what, why?

Tracy Cousineau:

So I will say that I would probably have like five to seven other books that over the last years we started and then we just didn't get them done. So I believe that people come into your, your life at a certain point when you, when it's the right time. And , um, I was working on a website and they put me in contact with , um, someone to write my origin story. And he wrote my origin story. And after he read it, to me said, I want you to meet someone and I want you to meet her because I think that you were so similar that , um, I've never written an like, I'm so grateful to write your origin story. And this was amazing from thank you for allowing me to write your origin story. And so when I met , um, my publisher, it was just an immediate, like, I just felt so easy and it would just flow out so well that I have severity AHD. And that's why these other books aren't, aren't done because I don't have time to sit and write them or time to sit and type them out. And she was rarely able to structure it where it was just easy to flow out. Um, and I'm glad because I want to share it. The, the part that just that I'm so like, AHH, about is I wanted to share it so much that can we get back to speaking in front of people versus by zoom so that I can get this out and talk to more people and meet more people and help more people. Because I have a women's group that I have, and, you know, just doing workshops and doing retreats and, you know, processes with them to help more females, you know, be entrepreneurs and help them, or if they're stuck at that level and it's burnout mode or wherever they're at that I can go in there and help them with their businesses. And so right now it's like, I'm hands on. I'm that kind of person that I just want to get in there and dissect it and really go through the process with them. And so like, let's hurry and open the doors back up to everything so that I can help more people

Chase Peckham:

Oh Felipe and I can feel you there, as far as speaking in front of people, you get, you don't get that energy , uh, of educating , uh , than you do when you're in front of a group of people who can all be there with you. I mean, if you mentioned Tony Robbins again, I mean, if you've ever been in person with him, you get that energy.

Tracy Cousineau:

I know right.

Chase Peckham:

But when you see the videos, you still cause he's, he's just one of a kind, right. He, he and his son, Jared is pretty good too, but they get that energy. But when you're in that room and that, that group is working off each other, it is an amazing feeling.

Tracy Cousineau:

The whole auditorium. Yes. It's amazing. Especially even walking over fire, you know, you're like, Oh, do I really want to do this? Am I going to burn the bottom of my feet? But I'm not going to be the coward that stands over there and watches everybody I'm getting in line and I'm going to, and it's all about mindset. And that's when I realized I was like, I just really walked over this, this hot, these hot coals. And you realize how amazing your mind is and what you can teach it and what you can make it forget.

Chase Peckham:

Well, you've helped obviously a lot of people, and there are so many more people to help. Where can they find you? Where can they find your book? And if you're in the Atlanta metropolitan metropolis, I always screw that word up. Always if you're in the Atlanta area , um, where , uh, where can people find you?

Tracy Cousineau:

So, you know, my real estate website is Tracycousineau.com. I'm on Facebook. Um, I've had to move over to my personal. They only allow you this crazy 5,000 people, you know, and I want to be friends with everybody. And so , um, I have , uh , I have another profile and it's , um, Tracy Cousineau connect. So you can connect with me on Facebook. I'm on LinkedIn at Tracy Cousineau, I'm on Instagram at Tracy.Cousineau and it's cousin with an e a u at the end, so it's easy to spell I'm in the milliondollartrap .com

Speaker 1:

Milliondollartrap .com that I can't thank you enough for joining us today. Um, outside of , uh , wifi hiccups and , uh, on, on my neighborhood, wifi, just dumping , uh, I appreciate you hanging in there and it, was an phenomenal , uh, morning and afternoon for you, but morning for us. So we really appreciate your time. Hopefully we can do it again.

Tracy Cousineau:

Yes. I would love to. I would definitely love to, you know, whether it's six to nine, 12 months out just to see, okay, where did the industry yet? What , you know , what we talked about now? Where are we there? So I would love it.

Chase Peckham:

Thank you very much.

Felipe Arevalo:

Thank you, Tracy. Appreciate it.

Tracy Cousineau:

Nice meeting you too . Good to meet you. Bye. Bye

Speaker 2:

[inaudible] .