The 3 Levels Of Finance (2400)

In this episode of Next Level University, hosts Kevin Palmieri and Alan Lazaros break down a hard truth about money that most people miss. Financial struggle is rarely just about numbers. More often, it comes down to behavior, habits, and the choices we repeat without thinking. They challenge the idea that building financial stability has to be complicated and show why simple principles only work when discipline, consistency, and self-awareness are behind them. This episode covers debt, financial freedom, long-term wealth, and the daily patterns that either move your life forward or keep pulling you off course.

If you are ready to make smarter decisions with money and build real stability over time, this episode will sharpen your perspective. Press play before your bank account starts questioning who put your habits in charge.

_______________________

Learn more about:
Book Alan’s Business Breakthrough Session. Your first 30-minute coaching call is FREE. Learn how to prioritize success and let your quality of life become the byproduct. - https://calendly.com/alanlazaros/30-minute-breakthrough-session

_______________________

NLU is not just a podcast; it’s a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.

For more information, check out our website and socials using the links below. 👇

Website: http://www.nextleveluniverse.com

Facebook:
Alan: https://www.facebook.com/alan.lazaros
Kevin: https://www.facebook.com/kevin.palmieri.90/

Email:
Kevin@nextleveluniverse.com
Alan@nextleveluniverse.com

LinkedIn:
Kevin: https://www.linkedin.com/in/kevin-palmieri-5b7736160/
Alan: https://www.linkedin.com/in/alanlazarosllc/

_______________________

Show notes:
(3:08) Get above water
(5:46) What financially free really means
(8:27) Building a real emergency fund
(11:36) Why behavior change matters most
(14:57) The first step is tracking
(16:09) Why level three gets complex
(18:49) Why debt feels impossible
(21:25) Coaching behavior not just budgets
(23:33) Outro

🎙️ Hosted by Kevin Palmieri and Alan Lazaros

Next Level University is a top-ranked daily podcast for dream chasers and self-improvement lovers. With over 2,100 episodes, we help you level up in life, love, health, and wealth one day at a time. Subscribe for real, honest, no-fluff growth every single day.

Transcript

Kevin Palmieri

(0:00) Alan and I have had many conversations about money at this point, and a lot of times, especially in the past, it was about how stupid I was with money. (0:08) But the thing that always got me is when we would talk about it, I always remember thinking there's no way it can be that easy. (0:15) It can't possibly be that easy.(0:17) There has to be way more to it. (0:19) And obviously, there is circumstance and there's nuance to it. (0:22) But that was the thing that always got me.(0:24) There's no way it could possibly be this simple. (0:27) It has to be way more than three buckets. (0:30) It has to be way more than three levels.(0:32) There must be a million different steps. (0:34) No, there really is. (0:35) There's three levels.(0:36) Yeah, the key is it's simple to understand and extremely difficult to do consistently. (0:44) Welcome to Next Level University. (0:47) I'm your host, Kevin Palmieri.(0:48) And I'm your co-host, Alan Lazarus. (0:52) At NLU, we believe in a heart-driven but no BS approach to holistic self-improvement for dream chasers. (0:58) Our goal with every episode is to help you level up your life, love, health, and wealth.(1:04) We bring you a new episode every single day on topics like confidence, self-belief, self-worth, self-awareness, relationships, boundaries, consistency, habits, and defining your own unique version of success. (1:20) Self-improvement in your pocket every day, from anywhere, completely free. (1:27) Welcome to Next Level University.(1:32) Next Level Nation, today for episode number 2,400. (1:37) 2,400, another milestone, a small milestone. (1:40) The three levels of finance.(1:43) So, last year and the beginning of this year, we were on a very big financial push for a very specific goal. (1:50) And if you want to share it, you can share it. (1:54) So, we've been talking a lot more about finance because I think that you've coached a lot of people, and I've kind of always known this, that money is something that most people struggle with.(2:06) I mean, it's health, wealth, and love. (2:09) Fitness, finance, family. (2:10) Those are the things that people struggle with the most.(2:12) Those are the things that we all have to find a way to try to succeed at, except most of us are never taught it until maybe we're in a certain level of pain where the necessity is high enough. (2:22) So, walk us through the three levels of finance. (2:26) I'm going to try, potentially, to see if I can get some stats associated, but it's really hard to get stats like this, but I'm going to see if I can do that.(2:33) So, here's what we do. (2:34) I'm going to go through them, and then you make sure that it is clear, and anything that you think might not be clear, jump in, and or ask questions. (2:47) So, there's three levels that I'm working on with my clients.(2:52) The last couple years, but particularly the last year, I've been helping a ton of people in finance, and these are the three levels that I think everyone has to go through and grow through in order to reach their dreams. (3:08) Level one is get above water, and what I mean by that is eliminate all unhealthy debt. (3:18) Unhealthy debt is anything with more than a 10% interest rate.(3:24) When you get below 10%, there's leverage there, and what that means is you're using OPM, other people's money, and you can make money with that money. (3:36) I'm not going to go into that right now. (3:37) What I want to do is just make this simple as hell.(3:40) If you have an interest rate, if you owe someone money, a bank, a personal loan, anything, if you owe someone money and there is a more than 10% interest rate, that is what I refer to, me personally, as unhealthy debt. (3:55) Okay. (3:57) That's level one is get out of all unhealthy debt.(3:59) You and I have done that. (4:00) To simplify though, should we just say all debt? (4:03) No.(4:04) No, definitely not, because mortgages are good. (4:07) Mortgages can be good. (4:08) Not all mortgages are good.(4:10) Okay. (4:10) Fair. (4:10) We can't because there's too much healthy debt, and that's actually wildly detrimental to someone's future, but I'm glad you pushed back.(4:20) Even the leverage in other people's money, that is a more nuanced ... (4:25) Yeah, that's more nuanced. (4:27) That's actually beyond level three, but yeah.(4:28) Okay. (4:29) It's technically in level three. (4:30) We'll get there.(4:30) Okay. (4:31) According to Bankrate, 47% of US credit card holders carry a balance month to month, so every other person carries a balance. (4:43) Average credit card interest rates right now are 20% to 22%, which is fucking crazy.(4:51) 27 million, and this is in the US, 27 million people can only afford the minimum payment, so that's like- 27 million, that's less than 10%. (5:04) It's probably like 8%. (5:05) 8%, but that's a pretty big number.(5:07) Yeah. (5:08) Again, it's not uncommon to be in credit card debt. (5:12) That's not uncommon at all.(5:13) Okay, so level one is eliminate all unhealthy debt. (5:19) Anything above 10%, the best example is credit cards, so I'm glad you said that. (5:24) Okay.(5:27) Unfortunately, there's some debts that are even worse than that, but that's neither here nor there. (5:32) Next level. (5:33) So once you have eliminated all unhealthy debt, the next level is ...(5:39) So the first level is debt-free. (5:43) We'll call that debt-free. (5:43) Bucket one.(5:44) Level one. (5:45) Level one. (5:45) Debt-free.(5:46) Level two is financially free, and I don't mean financially free the way other people mean it. (5:53) I do as much as I want with whoever I want. (5:57) I never have to work again in my life.(5:59) That's not what financially free means, really. (6:03) Financially free at level two means your monthly income, take home, not gross, but take home, exceeds your monthly expenses more times than not. (6:17) So in a given year, if at least seven months of the year you're in the green, and that means you're in the green year over year, month over month, on average, not always, but on average, then you are technically financially free.(6:32) You're at level two. (6:34) Okay. (6:35) The highest level of level two, just picture three levels and picture the top end of level two before you get to level three, is every month you have more coming in than goes out.(6:47) Every month. (6:48) Okay. (6:49) And therefore your income exceeds expenses every month, and you get to live at that level financially free.(6:58) And if you up your lifestyle, you might go back to level one or back to the beginning of level two, right? (7:04) Okay. (7:05) I have numbers.(7:06) Again, this is from ChatGBT, so this one is Pew Research. (7:12) 47% of Americans say they've been able to save money recently. (7:17) Okay.(7:17) So one in two people are actually putting money away. (7:19) I don't know how much. (7:21) According to Yahoo Finance, 34% of Americans save $0 from their paycheck.(7:26) Okay. (7:27) So one in three people are saving nothing from their paycheck. (7:30) Yeah, agreed.(7:31) And now we need to make this as clear as possible because we have a global shell. (7:34) Yeah. (7:34) The United States economy is the largest economy by far on planet earth, by 33% basically, last I checked.(7:42) So for anyone who's out there globally, this does not necessarily apply to you. (7:49) You are doing American statistics because a large portion of our listeners are in the US, and obviously we are too, right? (7:56) You're in New Hampshire and I'm in Massachusetts.(7:58) So it makes sense. (7:59) Okay. (7:59) But take this with a grain of salt if you're outside the US.(8:02) Well, Google. (8:02) Google it for you. (8:04) Yeah.(8:04) Right? (8:04) Wherever you live in the world, Google it for you, and you can get a more specific number for you. (8:08) But yeah, most of our audience is in the US.(8:10) We're in the US, so it feels right to do that. (8:12) Yeah. (8:12) Nice.(8:12) What percentage of our audience is North America, you think? (8:15) Oh, man. (8:16) North America, 95.(8:19) Really? (8:20) Yeah. (8:21) Okay.

Alan Lazaros

(8:21) Nice.

Kevin Palmieri

(8:21) Very, very, very, very big. (8:23) Yeah. (8:23) Okay.(8:23) Yeah. (8:24) So level three. (8:27) Level three.(8:27) Level three is when you have a minimum cash on hand waterline, that is what most people call an emergency fund, where you could lose your job for at least six months. (8:45) I usually do a year. (8:48) So you could lose your job for a full year, not make any money, and still be fine.(8:53) Quote, unquote, fine. (8:54) Meaning you couldn't increase your lifestyle. (8:56) You can't buy a bunch of new stuff, but you can live at your current level without changing anything for full 12 months with no income.(9:03) So you take your monthly pay, multiply it by 12. (9:06) You have that minimum cash on hand in a checking account or a savings account. (9:09) Okay?(9:10) Meaning cash on hand means you don't have to sell anything in order to get the capital. (9:14) It's known as liquid capital or working capital. (9:15) It doesn't matter.(9:16) The point is everything above that minimum threshold, this is the level we're at now. (9:21) We invest either back into the company or into our future. (9:27) You don't seem like you understand.(9:31) No, no. (9:31) I understand. (9:31) I just know I can't really get numbers on this.(9:34) We can get numbers based on what we already said to a degree. (9:37) Yeah. (9:38) So you can look up how many millionaires there are in the US.(9:42) My guess is like, I don't know. (9:46) Is there's 20 million? (9:49) No, more than that.(9:51) There's a lot. (9:52) What do you think? (9:52) What's the number?(9:53) Dude, anywhere from 20 to 80. (9:56) It's a big fucking number. (9:57) 23.8 to 24 million. (10:00) 23.8 million? (10:01) Yeah. (10:02) Yeah.(10:02) So I said 20 first, huh? (10:04) 20 million. (10:05) One in 10 American adults is a millionaire.(10:08) Net worth. (10:09) Not, they don't have a million dollars in their bank account. (10:11) No, no.(10:12) I know, but just that's, yeah. (10:14) That's why. (10:14) America's the wealthiest GDP.(10:18) We're getting off track here. (10:19) Yeah, yeah, yeah. (10:20) Well, I'm in the numbers now.(10:21) I never talked about the numbers, so I'm lost. (10:23) I'm in the sauce now. (10:24) Well, that's why when I say I have a lot of clients who are multimillionaires, they've reached level three for a long time.(10:37) And the cool part about this is theoretically anyone can reach level three. (10:42) You just have to start where you are and build. (10:46) And it's simple to understand, very difficult to do.(10:50) And if you want help with this, reach out because I'm a coach. (10:53) I can coach. (10:53) I can coach you.(10:54) Yeah. (10:55) I was thinking that today. (10:56) It's such a long, like, the problem is it might take you three years to pay off all your debt.(11:01) It might take you longer than that. (11:03) Yeah, it might take you 10. (11:04) And during that.(11:06) But if you do it right, you can never go back to level one again. (11:09) I know. (11:10) But that is a big ask.(11:13) Yeah. (11:14) I'm realizing the most meaningful goals in the world are the ones that take the most time. (11:19) Of course.(11:19) And it is just a, okay, you want to die, 10 pounds in 10 weeks, that is not that fucking long. (11:26) That's not long. (11:27) It's not.(11:28) Sorry. (11:29) It's not. (11:30) Is it compared to 10 days?(11:31) Absolutely. (11:32) Is it compared to 10 years? (11:33) No.(11:34) Not even close. (11:35) Not even close. (11:36) That's why things like this are so hard and we're going to talk about behavior change.(11:41) We're going to talk about that tomorrow, but because it's not just, okay, I'm going to pay off my debt. (11:46) No. (11:47) First, you have to learn about where the debt is.(11:50) Then you have to figure out what the highest interest rates are. (11:52) Again, I won't go too deep because I don't want to throw too much out there, but like you have to change so much. (11:57) You're not going on vacation.(11:58) You're not going out to eat as much. (12:00) You're canceling YouTube TV. (12:01) You're not doing frivolous shit.(12:03) Like you really do have to essentially build an entirely new lifestyle in order to build an entirely new lifestyle in the future. (12:12) That, it is a very long goal. (12:15) A hundred percent.(12:16) If anyone wants, we're going to do an episode on this. (12:19) The number one skill is changing your behavior. (12:23) Changing your behavior around money is a critical skill.(12:28) My coaching is designed to help you change your behavior. (12:32) It's like designed for that. (12:35) If you want help with this, you can start climbing.(12:38) The hole that you're in right now might build a skyscraper. (12:41) I love that metaphor. (12:43) I'm grateful we can start talking about this because you and I got through level one and two.(12:48) We don't talk about stuff that we're... (12:51) No, lead by example. (12:52) We have to.(12:53) That's always the goal. (12:54) There's a reason I stopped talking about fitness for a long time because I didn't consider myself fit.

Alan Lazaros

(12:58) I'm glad we can talk about it again. (12:59) That is the truth of it.

Kevin Palmieri

(13:00) Yeah. (13:01) That's the truth. (13:02) Dad bod university, baby.(13:04) That's it, baby. (13:04) All right. (13:05) So we only got a couple of minutes here.(13:07) Level three is anything above that water line. (13:10) We'll call it, let's say you make, what would be, what would be a good... (13:17) Okay.(13:18) Let's say you make a household income. (13:20) You and your partner make a hundred thousand dollars a year. (13:23) That would mean that you would need, let's say you spend 5,000, you need 50K cash on hand.(13:31) That's a little too high, huh? (13:33) That's tough.

Alan Lazaros

(13:34) That's a lot of, that's a big ask. (13:36) Yeah.

Kevin Palmieri

(13:36) So what's a better example? (13:38) A lot of people have lower income, lower expenses than that. (13:43) 20K cash on hand in the bank, everything above 20K you invest.(13:49) What do you think the average expenses is? (13:54) I know it's so hard because it's... (13:55) It depends on where you live completely.(13:57) Yeah. (13:57) It's so dependent on where you live. (14:01) Yeah.(14:01) In India, the minimum wage is $11 a day, US. (14:06) In... (14:07) Oh, India.(14:08) I thought you said... (14:09) It entirely depends on where you live. (14:10) I thought you said India.(14:11) Switzerland is the highest cost of living on earth. (14:13) I have a client in Switzerland. (14:14) That's why I know that.(14:17) That's very interesting. (14:19) I think about that all the time. (14:20) Like, if I was to move to like South Carolina or something, like New Hampshire, New England in general is very expensive.(14:28) It's a very expensive place to live. (14:29) Top 20 on earth. (14:31) Right.

Alan Lazaros

(14:31) It's wild.

Kevin Palmieri

(14:32) Massachusetts is top 10 on earth, I think. (14:34) Yeah. (14:35) Boston is within the top.(14:39) Boston is fifth or sixth highest cost of living in the entire country. (14:46) That's crazy to me. (14:46) All right.(14:47) Let me ask, let's get questions so we can make sure that everything lands here. (14:50) Yep. (14:52) First step in paying off debt.(14:55) Simplest first step. (14:56) You've never done it before. (14:57) What do you do?(14:57) Track how much you earn and track how much you spend daily. (15:02) Well, you got to look at your interest rates, right? (15:06) You got to know like...(15:07) Yeah. (15:08) But the first step is to track earning and track spending. (15:12) And I mean every day.(15:14) And people always ask, well, does that mean when money comes in and then it gets gross versus net? (15:18) It's a whole thing. (15:19) So yeah.(15:19) Okay. (15:20) Okay. (15:20) Goal one.(15:22) If you want more help on that other stuff, reach out. (15:25) Goal one is, yeah, figure out what debts you have and what are the interest rates. (15:29) Yes.(15:30) All right. (15:30) Level two. (15:32) And here's the thing I didn't say about level three yet.(15:34) If you want to get to the top of level three, everything above that cash on hand minimum needs to be invested each month. (15:40) And where do you invest it? (15:41) Now that's a whole nother rabbit hole, because you can invest it technically anywhere.(15:45) You can do crypto, you can do physical assets, you can freaking buy a car and then have someone else Uber it and pay you. (15:54) There's so many ways you can invest capital. (15:57) So you can buy a home, you can buy a rental property, you can buy a commercial property, you can buy stocks, you can buy commodities, you can buy ETFs and index funds, which is...(16:07) It gets crazy. (16:09) Level three, you should not be learning from a fucking podcast. (16:14) If you're at level three, go to someone who...(16:18) And this is the irony too. (16:20) If you're at level three, you probably know quite a bit. (16:23) But I helped someone invest $32,000 into a dozen index funds that I'm certain will do well.(16:32) And again, over the long term. (16:34) So if you ever... (16:35) Last piece of this, level three.(16:36) If you ever look at a stock, you can all Google this. (16:39) Just Google a Apple stock. (16:43) And then you can click max and zoom out and see what it's worth over time.(16:48) Just make sure you're zooming out. (16:50) And at the end of the day, I need to make this disclaimer. (16:52) We normally don't have to do this.(16:53) I am not a certified financial planner. (16:56) Okay? (16:56) I am a coach.(16:57) I am just talking high level. (16:59) Luckily, we live in the 21st century where pretty much anyone gets to talk high level. (17:03) I do not invest anyone's money for them.(17:05) I just am a coach who gives guidance and they take responsibility for their actions. (17:10) At the end of the day, level one is get debt free. (17:13) Level two is become financially free.(17:14) And level three is invest in your future and become wealthy. (17:18) So it's debt free, level one. (17:20) Financially free, level two.(17:22) Wealthy, level three. (17:23) And level three is a mountain that gets higher as you climb it. (17:26) And then you can do all kinds of incredible things with wealth.(17:30) As we know, I was a pretty seasoned investor in the stock market myself. (17:34) I at one time owned up to six shares of Apple. (17:38) And I took it pretty seriously.(17:41) I read the reports and then I quit my job and I had to sell all my stocks. (17:45) Did you actually read the reports? (17:47) Not the ones that Apple put out, but I used to watch Mad Money with Jim Cramer when I ate dinner.(17:54) And I was like, I don't know what the fuck's going on with this. (17:56) Yeah. (17:57) Honestly, it doesn't seem fun to learn, but I don't know.(18:05) It's empowering. (18:07) It's empowering when you start to- You have to master this. (18:11) Yeah.(18:11) You'll be way better off. (18:12) You have to master finance and money. (18:13) And I have not.(18:14) I have not mastered it by any... (18:15) I'm way better than I used to be. (18:17) I know a lot more than I used to.(18:18) I'm in more control than I've ever been. (18:20) I wouldn't say I'm a master.

Alan Lazaros

(18:20) Yeah.

Kevin Palmieri

(18:20) I didn't mean master as if you're done.

Alan Lazaros

(18:22) You're never done. (18:22) I know.

Kevin Palmieri

(18:22) I know. (18:23) I know. (18:23) But zero to 10, how much have you mastered finance?(18:28) If 10 is the best you could possibly ever be- Seven.

Alan Lazaros

(18:31) Seven.

Kevin Palmieri

(18:32) Okay. (18:33) So you feel in control of your financial future at level seven? (18:37) For sure.(18:38) Yeah. (18:38) For sure. (18:38) So that's where I hope we all just...(18:41) The only wrong answer is to not climb this ladder. (18:46) Okay. (18:47) Last question, then we'll get out of here.(18:49) What if it feels impossible to get out of debt? (18:58) Honestly, this is what I would say. (19:00) It's supposed to.(19:01) That's why they fucking do it. (19:02) It's supposed to feel impossible, unfortunately.

Alan Lazaros

(19:04) It's fucked up.

Kevin Palmieri

(19:05) Every commercial you watch, every advertisement you listen to, it's their job to provide an opportunity for you to level up your life. (19:20) And unfortunately, we live in a world where a lot of people don't care if that actually makes your life better. (19:28) Every company's job is to convince you that you need their product or service.(19:33) And I hold the duality of that's what a company is supposed to do. (19:38) And it's your responsibility as an individual. (19:40) I believe in the individual.(19:42) Yes, I know there's systems out there that are absolutely atrocious. (19:45) I understand there's snakes, of course. (19:47) The thing that we have control over is ourselves and our own actions.(19:50) So I like to empower the individual. (19:52) I like to empower you, listener, to stop being convinced of shit you don't need and spending money you don't have. (20:00) And to me, that's how we change the world is one individual at a time.(20:04) Because if you just have a thousand people that you touch and they touch a thousand people, that's a million right there. (20:12) And if a million touches another thousand, that's a billion. (20:15) And there's only 8 billion people on planet Earth.(20:17) So you can change the world. (20:18) You just have to do it through individuals. (20:21) To me, that's the best way.(20:22) And so you've got to start with you. (20:24) And when you get better with money, I've noticed this, everyone in my life gets better with money. (20:30) The more I teach this, the more I talk about it, my clients, you, Taryn, Emilia, we're all building wealth and in an integrative way.(20:41) And I'm super excited to start really teaching this because I didn't know how few people understood it. (20:47) Well, it's interesting for me because I went to Taryn and I said, like, hey, how do you want to do this? (20:51) And she said, like, you do it.(20:53) You just do it. (20:54) You take care of it. (20:55) And I was, you want me to, you just want me to run all of our finances?(20:57) She said, yep. (20:57) I said, all right, cool. (20:59) When you ask what do people do if they feel like it's impossible, I wanted to say get a financial advisor, but I'm too, I don't know if that's the right play because if you don't, if you are, you might have a shitty one.(21:12) Like I, I don't even know if I can recommend that. (21:14) The truth is hire me. (21:17) It's fee-based.(21:18) It's, it's more affordable than any financial advisor you're going to get. (21:22) So at least right now. (21:23) So reach out.(21:25) I will help you. (21:26) And the difference between a financial advisor and what I'm going to do is I'm a coach. (21:30) So I'm going to guide you to, to discipline yourself.(21:33) And I will help you change your behavior and learn these principles. (21:35) I'm not getting a piece of your financial future. (21:39) And in the future, if I do any of that, it'll be when I am licensed and all that stuff, but I can help you master money.(21:46) I'm doing it with so many people right now, dozens. (21:49) And I believe in my ability to get you to change your behavior more than I ever have. (21:54) Assuming you come in willing to put in the work and taking it fucking seriously, because if you're not going to take it seriously, I'm going to can you anyway, honestly.(22:03) I didn't give it time. (22:05) I didn't give it time. (22:06) Yeah.(22:06) You got to play the long game. (22:07) We're not going to get rich quick. (22:09) That is not what this is.(22:10) And usually you don't get in debt quick either. (22:12) Some people do. (22:13) Right.(22:13) So like, but credit card debt's usually like, ah, 500, throw 500 on it. (22:17) Yeah. (22:17) New boots or whatever, whatever.(22:19) I don't know. (22:19) Whatever $500 gets you. (22:21) And it's like, I mean, T-Swift, T-Swift, it comes around once a year.(22:26) Like tickets are 1200. (22:28) We'll worry about that later. (22:29) Discover, charge it.(22:31) And, but, but then, you know, next thing you know, you're at 6,000 and 7,000 and 8,000. (22:35) It's like, I can't fucking pay all this off. (22:37) All right.(22:37) I'll do the minimum. (22:38) Well, the minimum is essentially paying for nothing. (22:40) You're just, you're just paying interest.(22:42) Right. (22:42) And that just, you never crawl out good. (22:45) I love it, man.(22:46) Life, your life changes when you change what you do daily. (22:50) And then it's just trajectory. (22:52) I can help you get on a better trajectory and it's more affordable than you think.(22:58) Reach out. (22:59) All right, cool. (23:00) We're talking, uh, fitness, finance, and family on NLU.(23:03) It feels strange. (23:04) I'm scared. (23:05) I don't know much about level three yet.(23:08) So maybe when we talk about fitness, I can talk about getting jacked or something. (23:12) I don't know. (23:13) I don't really think now we're going to have you on the road to wealth so you can talk about it.(23:16) I do believe I'm on my way. (23:18) I also very honestly, I get weird, weird when I talk about money because I don't want people to think I'm an asshole. (23:23) That's like a thing I'm working through.(23:24) So please work through that with me or don't. (23:28) If you hate me, you can hate me. (23:29) It is what it is, but you know, I'm doing it for the right reasons.(23:32) All right, cool. (23:33) As always, we love you. (23:34) We appreciate you.(23:35) Grateful for each and every one of you. (23:37) If you are as committed as you say you are to getting to the next level, make sure you tune in tomorrow because we're going to be here every single day trying to help you get there. (23:44) Keep leveling up to reach your full potential.(23:48) Next level nation. (23:49) Thanks for joining us for another episode of Next Level University. (23:53) We love connecting with the Next Level family.(23:56) We mean it when we say family. (23:58) If you ever need anything, please reach out to us directly. (24:01) Everything you need to get a hold of us is in the show notes.(24:05) Thank you again and we will talk to you tomorrow.