RPF0218-JB_Glossinger

00:00:00.000 | ♪ Bless him in the mornings ♪

00:00:03.000 | ♪ Come back Sunday morning ♪

00:00:05.000 | California's top casino and entertainment destination

00:00:08.000 | is now your California to Vegas connection.

00:00:11.000 | Play at Yamava Resort and Casino at San Manuel

00:00:14.000 | to earn points, rewards, and complimentary experiences

00:00:17.000 | for the iconic Palms Casino Resort in Las Vegas.

00:00:21.000 | ♪ Got to sort of tell 'em ♪

00:00:23.000 | Two destinations, one loyalty card.

00:00:26.000 | Visit yamava.com/palms to discover more.

00:00:30.000 | - Good morning.

00:00:34.000 | (laughing)

00:00:36.000 | Well, that's not my intro.

00:00:37.000 | That's how he introduces the show.

00:00:39.000 | I figured it would only be fitting.

00:00:41.000 | Good morning, radicals, or good afternoon, radicals,

00:00:43.000 | or good evening, radicals.

00:00:44.000 | Today I have an interview with the morning coach himself,

00:00:48.000 | JB Glossinger, host of the top-ranked

00:00:51.000 | Morning Coach podcast.

00:00:52.000 | We're gonna talk about his story and also

00:00:56.000 | all the stuff that you can do every day

00:00:59.000 | to coach yourself to a better life.

00:01:01.000 | (upbeat music)

00:01:17.000 | Welcome to the Radical Personal Finance podcast.

00:01:19.000 | My name is Joshua Sheets and I'm your host.

00:01:21.000 | Thank you so much for being here.

00:01:22.000 | Interview for you, as I said, JB Glossinger,

00:01:25.000 | founder of themorningcoach.com.

00:01:26.000 | He's been doing this podcasting thing for a very long time.

00:01:30.000 | And I want you to learn a couple of things

00:01:34.000 | that are important in today's show.

00:01:35.000 | Number one, listen to his actual coaching advice,

00:01:38.000 | but also listen to his story of how he transitioned

00:01:42.000 | from something he hated to something he loved.

00:01:45.000 | (upbeat music)

00:01:49.000 | Pointing it out to you 'cause I see it everywhere,

00:01:51.000 | and since I see it everywhere, I gotta point it out to you,

00:01:53.000 | is the best way to build financial independence

00:01:56.000 | and financial freedom for you is just simply transition

00:01:59.000 | from something that's not a good fit for who you are

00:02:02.000 | as a person, your skills, talents, knowledge,

00:02:03.000 | and ability, interests, goals, et cetera,

00:02:05.000 | to something that is a good fit for you.

00:02:08.000 | And that road of transition might be tough

00:02:11.000 | or it might not be.

00:02:12.000 | And regardless of how difficult it is

00:02:15.000 | or how long it takes, it's still worth it.

00:02:20.000 | Here's JB.

00:02:21.000 | (swoosh)

00:02:23.000 | JB, welcome to the Radical Personal Findings Podcast.

00:02:25.000 | I appreciate you being with me.

00:02:26.000 | - Hey, I'm glad to be here.

00:02:28.000 | Excited, excited.

00:02:29.000 | - Been looking forward to chatting with you

00:02:31.000 | ever since we met at the podcast South Florida meetup

00:02:34.000 | a couple months ago.

00:02:35.000 | And I'd like to start with talking a little bit

00:02:38.000 | about your day-to-day work as a coach.

00:02:40.000 | Before we get into actually your advice for people, though,

00:02:45.000 | what's your story and your background

00:02:47.000 | with regard to building a life that you love

00:02:50.000 | and building a lifestyle of freedom?

00:02:52.000 | How did you wind up in this world of coaching?

00:02:55.000 | - Well, I stumbled and bumbled and fell forward, I guess,

00:03:00.000 | and failed a lot.

00:03:01.000 | That's kind of how I got there,

00:03:04.000 | just by making a lot of mistakes.

00:03:06.000 | I gotta say, it's not been a pretty picture.

00:03:09.000 | I was in corporate forever, thought that was my dream,

00:03:12.000 | did the MBA, did the PhD, went through school,

00:03:14.000 | spent tons of money, got totally into student loan debt

00:03:18.000 | and woke up one day just wondering,

00:03:20.000 | what the hell am I doing with my life?

00:03:22.000 | Sitting in an office on the board of directors,

00:03:24.000 | making a ton of money in a very glamorous position.

00:03:27.000 | I actually went from selling aircraft,

00:03:30.000 | literally aircraft, to running a host shop

00:03:33.000 | for aircraft here in South Florida

00:03:35.000 | because they needed some help down in Miami.

00:03:38.000 | And I was just miserable, man.

00:03:40.000 | I was getting up Monday morning, going in, hungover,

00:03:44.000 | and then work until Friday, and then Friday night

00:03:47.000 | going out and just trying to forget about my life.

00:03:50.000 | And on the outside, everybody,

00:03:51.000 | it looked like this great life, company car,

00:03:53.000 | board of directors, a lot of money,

00:03:55.000 | but on the inside, I was crumbling.

00:03:57.000 | So the money was great, but my life wasn't.

00:04:00.000 | And I knew that I needed to make a change

00:04:01.000 | because I always said, if I'm gonna be the person

00:04:04.000 | that's always complaining,

00:04:05.000 | that that means there's a change that needs to be made.

00:04:08.000 | And I decided to make a change,

00:04:09.000 | and I wrote a book because I'd followed Tony Robbins

00:04:13.000 | and all the great pioneers in personal development,

00:04:15.000 | Zig Ziglar and Tom Hopkins and those guys,

00:04:17.000 | and said, "Hey, I can do that."

00:04:19.000 | And I wrote a book and decided to go out

00:04:21.000 | and put a website together and go out

00:04:23.000 | and promote this book and become a speaker.

00:04:25.000 | But I didn't realize that there's a lot more to it.

00:04:28.000 | You just don't write a book and build a website.

00:04:31.000 | I thought everybody would buy my book

00:04:33.000 | and everybody would come to my website.

00:04:34.000 | In fact, I spent 40 grand on the book,

00:04:36.000 | and we put all of our savings in this business,

00:04:39.000 | and I just failed.

00:04:40.000 | It was really ugly.

00:04:42.000 | I quit my job.

00:04:43.000 | Anybody with a dream,

00:04:45.000 | it wasn't the smartest thing to do.

00:04:49.000 | Now I had no revenue.

00:04:51.000 | I had no way to pay the bills,

00:04:53.000 | but I had a house full of books.

00:04:54.000 | And so it was really ugly.

00:04:56.000 | Many times I almost gave up and went back

00:04:59.000 | and got the paycheck,

00:05:00.000 | and there's nothing wrong with that.

00:05:01.000 | Sometimes you need to go get the paycheck.

00:05:02.000 | But I stuck with it long enough and really failed forward.

00:05:05.000 | I did a podcast that got really successful,

00:05:08.000 | and over a couple years it was free,

00:05:10.000 | and then we went to paid.

00:05:11.000 | That's what allowed me to eventually break free.

00:05:14.000 | But it really was just chasing my dream

00:05:17.000 | and working on it every day

00:05:18.000 | and taking a lot of chances

00:05:20.000 | and failing over and over again

00:05:21.000 | and not really worrying about what everybody else thought

00:05:24.000 | through that failure.

00:05:25.000 | That's what got me to the point where now I'm pretty much done.

00:05:29.000 | I actually do my podcast,

00:05:31.000 | my motivational stuff, on the weekend.

00:05:33.000 | On Sunday night for two hours.

00:05:35.000 | I used to do it every morning,

00:05:36.000 | and now I do it on Sunday.

00:05:37.000 | I do five of them just because I like the energy.

00:05:40.000 | I'm all in one place.

00:05:41.000 | Plus, it gives me nothing to do during the week.

00:05:44.000 | I literally play golf every day,

00:05:46.000 | just write and have fun.

00:05:49.000 | I don't have any really commitments anymore,

00:05:51.000 | and it's just a wonderful place to be.

00:05:52.000 | I've been able to build systems to give me freedom.

00:05:56.000 | What's crazy is my business doubles and triples

00:05:59.000 | and quadruples every single year using these systems.

00:06:03.000 | It's just been really a fun ride,

00:06:05.000 | but a painful one at that.

00:06:07.000 | I wouldn't wish those first five years on anybody,

00:06:10.000 | but here I am ten years later,

00:06:12.000 | the overnight success, and it feels good.

00:06:14.000 | I've got to be honest.

00:06:15.000 | It feels good.

00:06:16.000 | The ten-year overnight success,

00:06:17.000 | just like every other overnight success

00:06:18.000 | that I've ever talked to in my life.

00:06:20.000 | Yeah, exactly.

00:06:21.000 | Exactly.

00:06:22.000 | They weren't with me for the first five years.

00:06:23.000 | You know what's funny is those five years

00:06:25.000 | when we were losing everything,

00:06:26.000 | nobody wanted to be with me.

00:06:28.000 | I was like, "Why can't we sell a damn book?"

00:06:30.000 | or "Why won't somebody listen to me?"

00:06:31.000 | It was a challenge.

00:06:33.000 | We just kept going after it and rowing the boat

00:06:36.000 | and here we are.

00:06:38.000 | What's interesting to me is just kind of hearing

00:06:40.000 | your own progress.

00:06:43.000 | At what point did you walk away from the corporate job?

00:06:46.000 | When I banked in my head,

00:06:48.000 | I call it banking in my head.

00:06:49.000 | I did the math and I said,

00:06:50.000 | "Okay, if I buy these 4,000 books,

00:06:53.000 | "10 bucks a piece, and sell them for 25 bucks,

00:06:56.000 | "that would give me enough money to get going."

00:06:59.000 | But when all the books came in

00:07:01.000 | and then I sold five copies in the first month,

00:07:04.000 | then it got really scary.

00:07:06.000 | I thought I was going to make all this money

00:07:08.000 | and you put a website and it just works,

00:07:10.000 | but it just didn't work.

00:07:12.000 | The reason I was asking is because it's funny

00:07:14.000 | because it sounds almost like my own story

00:07:16.000 | with radical personal finance.

00:07:17.000 | I was doing well, had the nice practice

00:07:20.000 | that I thought I wanted,

00:07:21.000 | and then it's like, "This needs to be done."

00:07:24.000 | Unfortunately, there was no way for me

00:07:25.000 | to build radical personal finance

00:07:27.000 | as a practicing financial advisor

00:07:28.000 | due to the industry laws.

00:07:29.000 | I did what I would advise no one else to do,

00:07:33.000 | which was just simply walk away

00:07:35.000 | without a business plan.

00:07:36.000 | I have a plan, I mean a little bit of a plan,

00:07:38.000 | and I'm a year into it,

00:07:39.000 | so it's just nice to know that other people

00:07:40.000 | have gone that path before.

00:07:42.000 | - Yeah, and I'm a very analytical

00:07:44.000 | and detailed person, very anal,

00:07:45.000 | but sometimes you just got to take the chance.

00:07:48.000 | I call it intelligent life design.

00:07:49.000 | I teach it.

00:07:50.000 | Do your hobby or passion two hours

00:07:52.000 | or three hours a day and keep your job.

00:07:54.000 | I think it's a better way to do it,

00:07:55.000 | honestly, for a lot of people.

00:07:57.000 | I think it's smarter.

00:07:58.000 | But you know what?

00:07:59.000 | There's a couple of us crazy people

00:08:00.000 | that just jump in.

00:08:02.000 | And you learn.

00:08:04.000 | I mean you really learn,

00:08:05.000 | and you become an entrepreneur.

00:08:06.000 | You realize that weekly paycheck's

00:08:08.000 | not gonna come in,

00:08:09.000 | and that makes it really difficult.

00:08:10.000 | - So I'd love your input as a coach

00:08:13.000 | and to talk about some of the types of things

00:08:15.000 | that listeners can do to improve their mindset.

00:08:20.000 | And what's interesting is

00:08:21.000 | you are working in an industry

00:08:23.000 | that there's a lot of shysters,

00:08:25.000 | and there's a lot of great leaders.

00:08:28.000 | So in your work as the morning coach,

00:08:32.000 | what have you learned is probably the biggest area

00:08:35.000 | that most people ignore

00:08:36.000 | that impacts their either success or failure in life?

00:08:39.000 | - Honestly, I think it's the egoic attachment to things.

00:08:42.000 | You know, so many people are,

00:08:45.000 | since we're talking about finance

00:08:46.000 | and that area of life,

00:08:48.000 | let's talk about that.

00:08:49.000 | So many people are striving to get more

00:08:51.000 | and to bring more into their life.

00:08:52.000 | But the truth is if they could set up

00:08:54.000 | residual or passive income streams

00:08:56.000 | for $3,000 to $10,000 a month,

00:08:59.000 | they could probably do so much more with their life.

00:09:01.000 | But because they've got themselves set up

00:09:03.000 | on a $11,000 to $15,000 or $20,000 a month,

00:09:07.000 | not because it was an egoic thing.

00:09:09.000 | You know, they gotta have their Mercedes,

00:09:11.000 | they gotta have the six-bedroom house,

00:09:12.000 | they have to continually push, push, push

00:09:14.000 | to try to keep up with the Joneses,

00:09:16.000 | they lose their freedom.

00:09:18.000 | And I know that 'cause that's what I did,

00:09:19.000 | and a lot of people are doing that.

00:09:21.000 | And it's a scary thing

00:09:22.000 | because there's so many people

00:09:23.000 | that are close to freedom

00:09:24.000 | where they could spend more times with their family,

00:09:27.000 | their children, or just themselves,

00:09:29.000 | or going to the beach, or playing golf.

00:09:31.000 | If they just step back a little bit

00:09:33.000 | from what they've been taught

00:09:35.000 | and recognize that there are other ways to do things.

00:09:38.000 | And I think that's the big thing.

00:09:39.000 | Yes, I'm a personal development guy,

00:09:41.000 | but my dream is to have a million friends

00:09:42.000 | and then help a million people become free or more.

00:09:45.000 | And that's really important to me

00:09:46.000 | is to see people create streams of income

00:09:49.000 | and get their time back.

00:09:51.000 | Because at the end of the day,

00:09:52.000 | we talk about finance all day.

00:09:54.000 | You can always make more money,

00:09:55.000 | but you can't make more time.

00:09:57.000 | And I just see people crumbling because of this,

00:10:00.000 | and they just get themselves in the hamster wheel,

00:10:03.000 | and they can't get out.

00:10:04.000 | And it's a sad place to be

00:10:06.000 | because they don't have freedom.

00:10:07.000 | And I really want to help people do that.

00:10:10.000 | And in order to do that,

00:10:11.000 | you've got to find your authentic, true self

00:10:14.000 | and stop worrying about what other people think.

00:10:17.000 | - Expand on how you actually deal with it.

00:10:20.000 | You just gave a start of an answer there,

00:10:22.000 | but let's say I've identified that, man,

00:10:24.000 | I'm really caught up in living a lifestyle

00:10:26.000 | that might seem impressive in the pictures on Facebook.

00:10:28.000 | What do I actually do about that?

00:10:30.000 | - Yeah, well, you've got to just realize

00:10:32.000 | that you've got to be true and honest to yourself

00:10:34.000 | and start to step back and, first of all,

00:10:37.000 | organize your finances and see what you really need,

00:10:39.000 | and then maybe cut back a little bit

00:10:41.000 | and recognize that you don't need to buy things

00:10:44.000 | or do things for other people.

00:10:46.000 | And getting more of a prosperity mindset

00:10:49.000 | or an investment mindset is critical.

00:10:51.000 | Become a producer instead of a consumer.

00:10:53.000 | And 90% of the people out there are consumers out there.

00:10:56.000 | And the more you can produce,

00:10:58.000 | the more you can understand value

00:11:00.000 | and put it out into the world,

00:11:01.000 | the more you're going to be able to step back

00:11:04.000 | and then achieve freedom.

00:11:05.000 | And then in that free area

00:11:07.000 | is when you can just be yourself.

00:11:09.000 | And I think it's important.

00:11:10.000 | When I wrote my book and went out there,

00:11:13.000 | I paid $5,000.

00:11:14.000 | I had no money.

00:11:15.000 | I mean, we were broke and broke,

00:11:16.000 | and I paid $5,000 to an image consultant.

00:11:18.000 | And I put this suit on.

00:11:20.000 | I mean, you can see I did an NBC interview

00:11:22.000 | that this PR agency got me,

00:11:24.000 | and I looked like an idiot, really.

00:11:26.000 | It wasn't me.

00:11:27.000 | And I just was egoic.

00:11:30.000 | I thought that you had to do all these things

00:11:32.000 | the way people tell you to do them.

00:11:34.000 | And I sucked so bad that I finally realized

00:11:36.000 | that if I'm going to lose all my money,

00:11:37.000 | I'm going to suck.

00:11:38.000 | I'm going to be myself.

00:11:39.000 | And that was a turning point in my business, in my life.

00:11:42.000 | I just quit caring.

00:11:43.000 | I was like, "I'm going to do the things I want to do

00:11:45.000 | "the way I want to do them,

00:11:46.000 | "and you know what?

00:11:47.000 | "I'll find people that are the same.

00:11:49.000 | "And if nobody likes me and it doesn't work,

00:11:51.000 | "well, there's always McDonald's."

00:11:53.000 | And that really was my mindset.

00:11:55.000 | And it's what finally turned it.

00:11:57.000 | Instead of trying to focus on what other people thought

00:12:00.000 | and what other people needed me to be,

00:12:02.000 | I finally stepped back and said,

00:12:04.000 | "Okay, what do I want to be,

00:12:05.000 | "and how do I want my life to look like?"

00:12:08.000 | So I think the key thing is to first understand

00:12:11.000 | that aspect of it and get really clear

00:12:13.000 | of how you want your life to be.

00:12:16.000 | And I'm going to tell you,

00:12:17.000 | being a housewife of Atlanta

00:12:19.000 | or living those lifestyles that are very empty and shallow

00:12:22.000 | is not the life that most people want,

00:12:24.000 | but that's what they're trying to live like.

00:12:26.000 | They're trying to live like the Kardashians.

00:12:28.000 | They're trying to live these lives

00:12:29.000 | that are just really reality-based TV,

00:12:31.000 | and there's no truth to that.

00:12:32.000 | It's sad.

00:12:33.000 | So how do you identify, though,

00:12:35.000 | the difference between being yourself,

00:12:39.000 | being like you want to be,

00:12:40.000 | being your authentic self,

00:12:41.000 | versus recognizing the fact that in the marketplace,

00:12:45.000 | perception is reality.

00:12:47.000 | People do perceive you in a certain way,

00:12:49.000 | and it might be intelligent to listen

00:12:52.000 | to some of the coaching that would tell you

00:12:55.000 | to make sure that you're presenting yourself

00:12:56.000 | to the marketplace carefully.

00:12:58.000 | Where's the distinction between those things?

00:12:59.000 | - I think that's BS.

00:13:01.000 | There's billions of people in the world,

00:13:03.000 | billions, with a B.

00:13:05.000 | What I teach in the business side of things

00:13:07.000 | is find 500 people that'll pay you $2,000 a year for value,

00:13:10.000 | and every single person I know is an expert in somebody

00:13:12.000 | that would be listening to this show.

00:13:14.000 | Yeah, there are some people that aren't there.

00:13:16.000 | We know that, and they need education.

00:13:18.000 | They need to get themselves to the next level.

00:13:19.000 | But if you build your business around producing revenue

00:13:22.000 | and producing value that produces revenue

00:13:25.000 | at $2,000 a year, 500 people,

00:13:27.000 | which every single person that's listening to this knows,

00:13:30.000 | that's a million-dollar business.

00:13:32.000 | So there are people making money

00:13:34.000 | in every single market sector.

00:13:37.000 | There's people on Amazon writing dinosaur porn books

00:13:40.000 | and making a ton of money.

00:13:42.000 | (laughing)

00:13:44.000 | This is the greatest time to be alive.

00:13:47.000 | And I think most people are just too concerned

00:13:49.000 | about what other people are doing

00:13:50.000 | and not willing to give their love or their passion time.

00:13:53.000 | That's the key thing.

00:13:55.000 | You find a few people, you give value out there,

00:13:58.000 | you grow, you learn, you develop,

00:13:59.000 | and you build your platform.

00:14:01.000 | It's there for every, if I could do this,

00:14:03.000 | believe me, anybody could do it.

00:14:04.000 | - I don't know, you're Mr. MBA and PhD.

00:14:06.000 | - No, but that's--

00:14:07.000 | - It's a good way of selling it,

00:14:08.000 | but you're obviously a pretty capable guy.

00:14:11.000 | - Well, let me tell you that.

00:14:12.000 | I wanna talk about that 'cause it's really important, Joshua.

00:14:14.000 | I'm glad you bring that up.

00:14:15.000 | I do not use that much.

00:14:16.000 | You know, I got a big book coming out with Hay House

00:14:18.000 | and they threw a PhD up there.

00:14:19.000 | And I'm telling them I don't want it on my name

00:14:22.000 | because that was a crutch.

00:14:23.000 | When I was getting into this business,

00:14:25.000 | I thought I needed gray hair.

00:14:26.000 | (laughing)

00:14:27.000 | It's a true story.

00:14:28.000 | And I thought I needed an MBA

00:14:29.000 | and I thought I needed a PhD.

00:14:30.000 | And that's the only reason I spent all that money.

00:14:32.000 | And it was a waste of time and energy and effort.

00:14:34.000 | Yes, I learned a little bit from it.

00:14:36.000 | But at the end of the day,

00:14:37.000 | I don't even like those things anymore.

00:14:39.000 | I don't even want those letters

00:14:40.000 | because those were my crutch

00:14:42.000 | that I thought I needed to be successful.

00:14:44.000 | And I didn't need those things.

00:14:46.000 | So you just gotta caution that.

00:14:48.000 | I mean, I meet people every single day

00:14:51.000 | from all walks of life.

00:14:52.000 | You know, my new passion is golf,

00:14:54.000 | so I'm on the golf course every day.

00:14:55.000 | And you know, most people that can golf a lot

00:14:57.000 | have very different lifestyles, you know.

00:15:00.000 | Not too many people golf every single day.

00:15:02.000 | And so I'm able to travel

00:15:04.000 | and go to some of these really cool courses

00:15:05.000 | and meet some really cool people.

00:15:07.000 | And they all have this common thread of uniqueness.

00:15:09.000 | That they've found this unique ability

00:15:11.000 | to do the things they want.

00:15:12.000 | Yeah, there's this certain sector

00:15:14.000 | that has had money passed down,

00:15:16.000 | the lucky sperm, I like to call it, right?

00:15:18.000 | But at the end of the day,

00:15:20.000 | the people that are really successful

00:15:21.000 | are the ones that have found their true, authentic self

00:15:23.000 | and they've put something out

00:15:24.000 | and they've put their passion,

00:15:25.000 | their love, their joy out there.

00:15:27.000 | And that's what I really want to help people find

00:15:29.000 | is that ability to get up in the morning

00:15:32.000 | and be excited about life, you know?

00:15:35.000 | It's like, I don't like to sleep at night

00:15:37.000 | and I love to get up

00:15:38.000 | because I'm ready to challenge the day.

00:15:40.000 | And so many people don't even want to get out of bed

00:15:42.000 | and it's so sad.

00:15:43.000 | It's just sad to me.

00:15:45.000 | - I understand what you're saying

00:15:46.000 | about the MBA and PhD

00:15:48.000 | because it aligns with my own experience.

00:15:50.000 | When I started in the financial planning business,

00:15:52.000 | I was 23 years old

00:15:53.000 | and I had an incredible perception of,

00:15:56.000 | I struggled with the fact

00:15:58.000 | of who's going to listen to me.

00:15:59.000 | I'm 23 years old

00:16:00.000 | and I have a tremendous baby face,

00:16:01.000 | so therefore I felt like I needed to prove to people

00:16:03.000 | that I knew what I was talking about.

00:16:05.000 | So I went out and got a bunch of designations.

00:16:11.000 | I got a master's degree in financial planning.

00:16:12.000 | I got a CFP and a bunch of other stuff

00:16:14.000 | that all matters to a very small number of people.

00:16:17.000 | And now I look at that

00:16:18.000 | and I look back and I think about today,

00:16:21.000 | I could walk in in a pair of board shorts

00:16:23.000 | and a t-shirt with a yellow pad

00:16:25.000 | and a financial calculator and a pen

00:16:27.000 | and I can do a financial plan for somebody

00:16:30.000 | because I'm confident in what I know.

00:16:33.000 | And I don't need the CFP and the CLU

00:16:35.000 | and all that stuff

00:16:36.000 | because that's become part of my confidence.

00:16:39.000 | It's become part of who I am.

00:16:41.000 | And so today, it wouldn't matter to me

00:16:43.000 | whether it's there or not.

00:16:45.000 | I leave it there in case somebody ever,

00:16:47.000 | it ever is helpful to somebody.

00:16:48.000 | But to me though,

00:16:50.000 | I don't think I could have made that shift

00:16:52.000 | without going through the process of the work.

00:16:55.000 | And I'm not sure you could have made this shift

00:16:58.000 | and developed the confidence

00:16:59.000 | without going through the process of the work.

00:17:02.000 | Do you think I'm wrong?

00:17:03.000 | No, I think we're all on our own pace.

00:17:06.000 | I mean, Michael Dell, Quick College,

00:17:08.000 | Bill Gates, Steve Jobs,

00:17:10.000 | I mean, they didn't even finish college.

00:17:11.000 | I mean, but their passion flew through.

00:17:13.000 | I think everybody's on a different path.

00:17:15.000 | So I'm not saying it's right or wrong

00:17:16.000 | to get the education.

00:17:17.000 | No, I think it's great.

00:17:18.000 | I think education's awesome.

00:17:19.000 | I think the problem is when you think

00:17:21.000 | that you need the education,

00:17:22.000 | it's your crutch.

00:17:23.000 | You know, I wish I would have went back.

00:17:25.000 | If I had to do it all over again,

00:17:26.000 | I would have went for the education.

00:17:28.000 | I was there for the letters

00:17:29.000 | because I thought that would take me

00:17:30.000 | to the next place.

00:17:31.000 | So I have nothing wrong with it.

00:17:33.000 | I think it's great.

00:17:34.000 | If you can come from a place of authenticity

00:17:36.000 | and do your MBA,

00:17:38.000 | I think it's fantastic.

00:17:39.000 | It wouldn't be what I was there for

00:17:41.000 | because I was there for the next career jump.

00:17:43.000 | So interestingly, I 100% agree with you

00:17:45.000 | because if I were going to go back

00:17:46.000 | and do it again,

00:17:47.000 | I would do the same thing.

00:17:48.000 | I wouldn't have gotten a business degree.

00:17:49.000 | I would go and get a degree in,

00:17:51.000 | I don't know, something like philosophy

00:17:52.000 | or something that I cared about

00:17:53.000 | instead of just what I needed to do

00:17:54.000 | to get into the business world.

00:17:55.000 | And all the financial planning classes,

00:17:57.000 | I just lined them up and took tests

00:17:59.000 | to get as many letters as possible.

00:18:01.000 | And I wish I had slowed down

00:18:02.000 | and absorbed more of the information

00:18:04.000 | and learned it better than I did

00:18:06.000 | because that was just about getting things done.

00:18:09.000 | So we share the same perspective on that.

00:18:12.000 | Yeah, well, I think everybody does.

00:18:13.000 | I mean, we don't have to pull any punches.

00:18:14.000 | I mean, people are trying to get ahead, right?

00:18:16.000 | I mean, that's the truth.

00:18:17.000 | I mean, I have not met one person

00:18:19.000 | that I talked to that doesn't love freedom

00:18:21.000 | and to make more money.

00:18:22.000 | I mean, I have not met one person,

00:18:24.000 | even Mother Teresa.

00:18:25.000 | The reason Mother Teresa was so successful

00:18:27.000 | is because she could raise money, right?

00:18:29.000 | I mean, it just is what it is.

00:18:31.000 | So we have to have that background.

00:18:32.000 | My issue is that when we get so egoic,

00:18:35.000 | we get so caught up in TV

00:18:37.000 | and just going throughout the minutia of the day

00:18:39.000 | and plopping down and watching the next Breaking Bad,

00:18:41.000 | which I have no problem with.

00:18:42.000 | I love Breaking Bad.

00:18:43.000 | I just finished it, but I watch it on Netflix.

00:18:46.000 | I watch three of them at a time and on airplanes.

00:18:48.000 | But we got to open our minds

00:18:51.000 | to the pure potential that's in the world.

00:18:53.000 | I know that's deep,

00:18:54.000 | but there's billions of people in the world

00:18:56.000 | and we got to open our dream

00:18:57.000 | or start to build our dream.

00:18:59.000 | And we just got to allow time to take place.

00:19:02.000 | And whatever business that you're in,

00:19:03.000 | I don't care.

00:19:04.000 | I have friends that build yachts.

00:19:05.000 | I have all different types of friends,

00:19:07.000 | and all of them had to start somewhere.

00:19:09.000 | And there's a thing in Zen that says the beginner mind.

00:19:12.000 | And we don't allow ourselves to be a beginner enough.

00:19:14.000 | And people buy passion.

00:19:16.000 | And if you're passionate and excited

00:19:18.000 | about the things in your life,

00:19:19.000 | that's going to come through.

00:19:20.000 | And I don't know a person in the world

00:19:22.000 | that can't do that,

00:19:23.000 | that has the motivation and wants to do it.

00:19:26.000 | There are a lot of entitled people

00:19:27.000 | that just don't want to, and that's cool.

00:19:30.000 | But anybody that's listening to this,

00:19:31.000 | obviously, is somebody that has the ability.

00:19:33.000 | They just need to borrow the belief

00:19:35.000 | and then have the patience enough

00:19:37.000 | to build something that is going to work for them.

00:19:40.000 | And personally, I would think they should

00:19:42.000 | search residual and passive income type streams

00:19:45.000 | or buy businesses, which is another thing I do,

00:19:48.000 | to try to generate revenue.

00:19:50.000 | Because I just think it's just a wonderful time to do that.

00:19:53.000 | And I think that's what creates true financial security.

00:19:55.000 | And not only that, you made a great point, Joshua,

00:19:58.000 | is the lessons that you learn by doing those things

00:20:01.000 | is really what's going to help you in the future.

00:20:03.000 | You've been doing this for 10 years.

00:20:05.000 | What's a story that stands out in your mind

00:20:08.000 | as one of the most unlikely transformations

00:20:11.000 | that you've seen with somebody

00:20:12.000 | that's been involved in your coaching community?

00:20:14.000 | Well, do you want me to talk about business

00:20:16.000 | or personal life?

00:20:17.000 | Because I have a couple.

00:20:18.000 | One of each.

00:20:19.000 | Okay, well, in personal life, I'll tell you,

00:20:21.000 | my avatar, and I think everybody needs an avatar.

00:20:23.000 | That's the person you speak to.

00:20:25.000 | So when I sit down to write a blog

00:20:27.000 | or write my book with Hay House

00:20:29.000 | or to do a podcast or something in that manner,

00:20:32.000 | I always have somebody.

00:20:34.000 | And the one person I have is a woman

00:20:36.000 | who lived in Europe, actually started in California,

00:20:39.000 | married a gentleman from Europe

00:20:40.000 | and moved to Europe with him.

00:20:44.000 | And she sent me a seven-page letter.

00:20:47.000 | So I opened this letter up one day,

00:20:49.000 | and she told me how awesome her life started,

00:20:51.000 | that they had two beautiful kids,

00:20:53.000 | and she was in Europe.

00:20:54.000 | And about two months into the deal,

00:20:57.000 | he started to beat her.

00:20:59.000 | And so she used to hide in the closet.

00:21:01.000 | That was her thing.

00:21:02.000 | He would beat her, and she would go in the closet.

00:21:04.000 | And so I'm reading this in a letter,

00:21:06.000 | Joshua, by the way, which is pretty intense,

00:21:08.000 | and I'm reading about her being beat.

00:21:10.000 | And then I read that she found me.

00:21:12.000 | And she found me on iTunes

00:21:13.000 | and started listening to me every day.

00:21:15.000 | And she would get beat,

00:21:16.000 | and she would go in there with her little iPhone,

00:21:18.000 | and she would listen to me,

00:21:20.000 | trying to get her going.

00:21:22.000 | And finally, and again, I'm reading this letter,

00:21:25.000 | she said that he started beating the kids.

00:21:27.000 | And she didn't have any strength,

00:21:29.000 | but she listened to me every day,

00:21:30.000 | and she said, "You know what?

00:21:31.000 | "This guy's telling me to go after my dreams,

00:21:33.000 | "and I believe I can do this."

00:21:34.000 | And she took the money out of the bank,

00:21:36.000 | like three grand, moved to California with her kids,

00:21:39.000 | left this guy, didn't know anybody there,

00:21:42.000 | still paid me my 20 bucks a month

00:21:44.000 | to be a Morning Coach member.

00:21:46.000 | And in this letter, she finished by saying that,

00:21:49.000 | "Yesterday I ran my first marathon.

00:21:51.000 | "My kids were at the finish line.

00:21:53.000 | "I have a beautiful husband now

00:21:55.000 | "and a beautiful life in California.

00:21:56.000 | "I just want to thank you."

00:21:58.000 | And it's just a testament

00:22:01.000 | to the power that we have to touch others.

00:22:04.000 | I'm just a normal guy from Indiana.

00:22:06.000 | I never thought.

00:22:07.000 | In fact, I look in the mirror a lot of times and say, "Why me?"

00:22:10.000 | But now, any time I need to get my butt up

00:22:13.000 | and focus on writing or do something

00:22:15.000 | or say, "Hey, I'm not playing golf today,"

00:22:17.000 | I think of her.

00:22:18.000 | And I think of that woman in the closet being beat.

00:22:20.000 | And that's what we need.

00:22:24.000 | That's what people need.

00:22:25.000 | If people say, "J.B., I don't know

00:22:27.000 | "if I can go out there and talk to other people.

00:22:30.000 | "I don't know if I can chase after my dreams."

00:22:32.000 | I guarantee there's somebody that needs what you have.

00:22:36.000 | And that's my job.

00:22:37.000 | My job at Morning Coach and what I do

00:22:39.000 | is to tell people to get out there and be great

00:22:42.000 | because we need you.

00:22:44.000 | We do.

00:22:45.000 | We need everybody's greatness,

00:22:46.000 | whether it's curing cancer, which is awesome,

00:22:48.000 | or creating a new paper clip to put papers together.

00:22:50.000 | They're all relevant, and they all make the world better.

00:22:53.000 | And so I'm kind of selfish in doing Morning Coach

00:22:55.000 | because I want to have a better life

00:22:58.000 | because of the greatness that people bring to me,

00:23:00.000 | the Teslas of the world,

00:23:02.000 | and all the things that are going on out there

00:23:05.000 | to make our life better, the new MacBook that I got.

00:23:08.000 | All these things make my life better,

00:23:09.000 | but we can't make our lives better

00:23:11.000 | unless we get greatness from individuals.

00:23:13.000 | And that comes from people going after their dream.

00:23:17.000 | - That's a remarkable story.

00:23:19.000 | What about the business example?

00:23:21.000 | - Yeah, my business is another one.

00:23:22.000 | Janelle Mills, she's the CEO of Kool Wazoo.

00:23:25.000 | She listened to Morning Coach

00:23:27.000 | and was listening for a while, stay-at-home mom,

00:23:30.000 | three kids, took her kid to a swing set,

00:23:34.000 | set the baby in the swing set,

00:23:36.000 | and the baby burned her butt.

00:23:38.000 | And she's like, "I've got to do something about this."

00:23:40.000 | So she created a product, listened to Morning Coach,

00:23:42.000 | got the beliefs, thought she could--

00:23:44.000 | said, "I could do this."

00:23:46.000 | I'll never forget the day I got a Skype from her

00:23:48.000 | as a Morning Coach member.

00:23:49.000 | She goes, "Can I ask you a question on speaking?"

00:23:51.000 | And I said--she goes, "I've got this thing coming up."

00:23:53.000 | And I said, "Yeah."

00:23:54.000 | I said, "What do I need to do?

00:23:55.000 | "These people are preparing me for a proposal."

00:23:57.000 | I had no idea what it was, and I said, "Just be you.

00:24:00.000 | "Be you. People buy passion."

00:24:02.000 | So she went on Shark Tank.

00:24:04.000 | Went on Shark Tank, and everybody turned her down.

00:24:08.000 | And then she started crying.

00:24:09.000 | She decided to be herself.

00:24:11.000 | I had no idea this was going on,

00:24:13.000 | and so she started, you know, crying and being herself

00:24:16.000 | on why she's so passionate about this product,

00:24:18.000 | and she got funded.

00:24:20.000 | So it was so cool to see somebody that listened to

00:24:22.000 | Morning Coach, stay-at-home mom,

00:24:24.000 | actually go on Shark Tank and get funded.

00:24:26.000 | And I actually tell her story in my new book

00:24:28.000 | that's coming out next year with Hay House

00:24:30.000 | because I just think it's phenomenal.

00:24:32.000 | And it's just a point.

00:24:33.000 | It's just proof that somebody--you know,

00:24:35.000 | business is finding a need and filling it.

00:24:37.000 | She found a need. She filled it.

00:24:38.000 | She's not killing it, but she's building a life.

00:24:40.000 | She's learning, and CEO of a company.

00:24:43.000 | You know, I just think it's awesome.

00:24:45.000 | Yeah, and in today's world, I agree with you

00:24:47.000 | as far as the opportunity that's out there.

00:24:50.000 | I don't think it's ever been easier for people

00:24:52.000 | who have an idea and see a need to take that forward.

00:24:56.000 | Whether or not you can take it all away,

00:24:58.000 | there's a big difference between starting and selling

00:25:00.000 | one unit versus selling a billion units.

00:25:02.000 | You may not become a billionaire off of your idea,

00:25:04.000 | but you can at least move it forward.

00:25:07.000 | And it's never been easier in the history of the world

00:25:11.000 | to move business ideas forward

00:25:13.000 | and solve the needs that society has.

00:25:15.000 | Three to ten grand a month, I mean,

00:25:17.000 | it creates freedom for most people, you know?

00:25:19.000 | And if you're doing what you love every day,

00:25:21.000 | you don't work a day in your life, and it's the truth.

00:25:24.000 | So, you know, try to figure that out.

00:25:26.000 | And you know what?

00:25:27.000 | If it takes you ten years to get to that point,

00:25:28.000 | was it worth it?

00:25:29.000 | You know, the towers were hit 14 years ago.

00:25:32.000 | What could people have done in that time

00:25:35.000 | that could have changed their life to be making

00:25:37.000 | three, five, ten thousand dollars a month

00:25:39.000 | doing what they love?

00:25:40.000 | That's my dream.

00:25:41.000 | It's just what I do.

00:25:42.000 | You can tell I'm passionate about it

00:25:43.000 | because there's nothing I like to see better

00:25:45.000 | than when I see people take hold of that dream

00:25:47.000 | and they go out there and make it happen.

00:25:49.000 | And they fall down and get beat up and lose

00:25:52.000 | and get back up again.

00:25:53.000 | I just absolutely love it.

00:25:55.000 | - I know I spent a lot of years

00:25:57.000 | consuming inspiration, encouragement, motivation,

00:26:01.000 | and really being fired up about the idea

00:26:04.000 | of going out and getting my dreams

00:26:06.000 | and fulfilling my passion.

00:26:07.000 | And then I would sit down and say,

00:26:08.000 | "Well, wait a second.

00:26:09.000 | "I'm not sure what it is.

00:26:11.000 | "I don't know what my passion is.

00:26:13.000 | "I don't know what that business idea is."

00:26:15.000 | And I spent years kind of looking for it.

00:26:18.000 | I know a lot of my listeners are in a similar position

00:26:21.000 | based upon some of the emails that I get.

00:26:23.000 | What advice do you give to somebody in that situation?

00:26:26.000 | - I would say, it's funny, I just did an e-book

00:26:29.000 | called Seven Days of Finding Your Passion.

00:26:31.000 | We're gonna do some Facebook ads

00:26:32.000 | to a conversion funnel to help people with this.

00:26:34.000 | But I think Steve Jobs, who I think

00:26:38.000 | wasn't the nicest person in the world,

00:26:41.000 | but he said it best in his Stanford speech

00:26:43.000 | that death is a great motivator.

00:26:46.000 | And I'm a positive guy,

00:26:48.000 | but sometimes you gotta embrace the dark side.

00:26:51.000 | You're not gonna be here.

00:26:52.000 | There's a video on YouTube that's viral

00:26:54.000 | about jelly beans and how many moments

00:26:55.000 | you're gonna have in your life.

00:26:57.000 | I think you gotta look at your funeral.

00:26:59.000 | And you gotta step back and see yourself.

00:27:01.000 | This is a great spiritual exercise, by the way, too.

00:27:04.000 | But see yourself and look back at your accomplishments

00:27:07.000 | and the things that you did.

00:27:08.000 | That's one thing.

00:27:10.000 | And as you look at that,

00:27:11.000 | you're gonna have some discoveries there.

00:27:14.000 | The other thing that I always suggest

00:27:15.000 | to people that are stuck with their passion

00:27:17.000 | is to go back to their childhood.

00:27:18.000 | If you come into my office,

00:27:20.000 | I have an X2 robot, 2XL,

00:27:22.000 | from my childhood.

00:27:23.000 | I used to play 8-track tapes.

00:27:24.000 | I have that.

00:27:25.000 | I put 'em in all the time.

00:27:26.000 | I have a big Centurion helmet.

00:27:28.000 | I got a big thing cut out of Groot behind me.

00:27:33.000 | I have an Excalibur poster.

00:27:34.000 | I have Dungeons and Dragons books.

00:27:35.000 | I have comic books.

00:27:36.000 | All this stuff from my childhood

00:27:37.000 | I surround myself with.

00:27:39.000 | And I actually go to eBay when I'm struggling,

00:27:42.000 | and I'll buy a toy from my childhood.

00:27:44.000 | And it just brings back the passion

00:27:46.000 | and the youthful energy.

00:27:47.000 | And I think those two things,

00:27:49.000 | envision your funeral,

00:27:50.000 | if you wanna get a little bit morbid

00:27:51.000 | and your left brain serious type,

00:27:53.000 | or if you're a little more right-brained and creative,

00:27:54.000 | then go back to your childhood.

00:27:56.000 | Buy those toys.

00:27:57.000 | Fill your office with them

00:27:58.000 | and allow that creativity to flow,

00:27:59.000 | and you'll find your passion.

00:28:00.000 | It's there.

00:28:01.000 | And I think, really,

00:28:02.000 | the childhood one really works well

00:28:04.000 | for a lot of people

00:28:05.000 | because that's where it all began, right?

00:28:08.000 | And that energy's there.

00:28:09.000 | - You're pretty hardcore on entrepreneurship.

00:28:11.000 | Do you think that you have to be an entrepreneur

00:28:14.000 | to be free?

00:28:15.000 | - Absolutely not.

00:28:16.000 | I think there's a lot, you know,

00:28:17.000 | one of my big group in Morning Coach

00:28:19.000 | that I love is HR.

00:28:21.000 | You know, they take care of the people at the jobs.

00:28:23.000 | And I think you could be free

00:28:25.000 | if you love your job.

00:28:26.000 | There's so many great doctors.

00:28:27.000 | There's so many nurses.

00:28:28.000 | There's janitors.

00:28:29.000 | There's nothing,

00:28:30.000 | I mean, I don't care what I'm doing.

00:28:32.000 | You know, I have a house in Bogota, South America.

00:28:34.000 | And one of the reasons

00:28:35.000 | I love to go to Columbia so much

00:28:37.000 | is those people down there

00:28:38.000 | are passionate about everything they do.

00:28:40.000 | You know, we have people come clean the house.

00:28:42.000 | They're passionate.

00:28:43.000 | They want to do the best job.

00:28:44.000 | The people want to cook.

00:28:45.000 | They want to be the best cooks.

00:28:47.000 | No, you don't have to be an entrepreneur.

00:28:49.000 | I love being an entrepreneur

00:28:50.000 | and that's what we're talking about

00:28:51.000 | 'cause we're talking a little bit about finance.

00:28:53.000 | But there's nothing wrong

00:28:54.000 | with growing up through a company

00:28:56.000 | and being able to shape the culture

00:28:58.000 | and be somebody that gets in there and really cares.

00:29:00.000 | And I tell you what,

00:29:01.000 | if you take that attitude,

00:29:02.000 | a little bit entrepreneurial,

00:29:03.000 | but if you take that attitude

00:29:04.000 | that I'm gonna come here

00:29:05.000 | and I'm gonna do my best

00:29:06.000 | to make this place great,

00:29:07.000 | you're gonna move right up the chain

00:29:09.000 | and you're gonna never have to worry

00:29:10.000 | about financial matters.

00:29:11.000 | You're just gonna have to,

00:29:12.000 | you know, your time's gonna be off.

00:29:13.000 | But you'll get there someday

00:29:14.000 | where you have four weeks vacation

00:29:16.000 | and if you love what you do,

00:29:17.000 | hey, go in there and make a difference.

00:29:19.000 | So no, I love people that are in careers

00:29:21.000 | as long as they're in careers

00:29:22.000 | that they love to do.

00:29:24.000 | - The self-help section at the bookstore,

00:29:26.000 | at least my bookstore,

00:29:27.000 | is massive and it's packed.

00:29:30.000 | It's wall to wall.

00:29:31.000 | And it's even bigger on the internet.

00:29:34.000 | All the time I'm finding a new YouTube channel

00:29:36.000 | with another self-success guru.

00:29:39.000 | I'm finding another website

00:29:40.000 | from somebody who's decided

00:29:42.000 | to set up a coaching business.

00:29:44.000 | There's a lot of voices out there.

00:29:47.000 | How do you differentiate

00:29:49.000 | between the good ones

00:29:50.000 | that can be useful and helpful

00:29:52.000 | and the ones who may be

00:29:54.000 | leading you down a path

00:29:56.000 | that might not have a lot of success in it?

00:29:59.000 | - You know what?

00:30:00.000 | There's a lot of great stuff in everything.

00:30:01.000 | Even the garbage I've bought over the years.

00:30:03.000 | You know, I always have a percentage

00:30:04.000 | that goes to my education budget.

00:30:06.000 | You even learn the stuff you shouldn't do.

00:30:08.000 | But at the end of the day,

00:30:09.000 | it's pretty simple.

00:30:11.000 | It's follow people

00:30:13.000 | that are doing what you want to do.

00:30:15.000 | And get coaching from people

00:30:16.000 | that are doing things that you want to do.

00:30:18.000 | It's that simple.

00:30:19.000 | If you want lifestyle, I'm the perfect guy.

00:30:20.000 | I mean, that's what I live.

00:30:22.000 | If a speaker or a teacher or an educator

00:30:24.000 | isn't willing to let you look into their life,

00:30:27.000 | there's an issue there.

00:30:28.000 | They have to be congruent

00:30:29.000 | with what they're teaching.

00:30:30.000 | And I think that's where Facebook

00:30:32.000 | and Twitter and all those areas,

00:30:34.000 | if you're a teacher, you gotta be out there.

00:30:36.000 | You can't, you know,

00:30:37.000 | I've met so many of these people

00:30:38.000 | that have never read their own books.

00:30:40.000 | You know, it's like, God, really?

00:30:42.000 | Really?

00:30:43.000 | And as I get deeper and deeper into the business,

00:30:44.000 | it's shocking to me.

00:30:46.000 | It's like, didn't you read your book?

00:30:47.000 | You know, but I'll be fully transparent.

00:30:49.000 | There's days on my golf course,

00:30:50.000 | you know, like today,

00:30:51.000 | I had a horrible day.

00:30:52.000 | I was angry, I was frustrated.

00:30:54.000 | And you know, I wear three snappable rubber bands

00:30:56.000 | and I wasn't snapping them.

00:30:57.000 | And I knew I should have, you know.

00:30:59.000 | I use essential oils to keep myself positive.

00:31:01.000 | I smell peppermint, you know, those type of things.

00:31:03.000 | And I wasn't congruent with my message today.

00:31:05.000 | We all fall down, even the best teachers.

00:31:07.000 | But at the end of the day, you know,

00:31:09.000 | you gotta dig into the people, do your research.

00:31:11.000 | You know, if you're a social media expert

00:31:13.000 | and you have 500 people on Twitter

00:31:15.000 | and 1,000 Facebook likes,

00:31:16.000 | how the heck are you a social media expert?

00:31:18.000 | Right?

00:31:19.000 | - Right.

00:31:20.000 | - You know, I mean,

00:31:21.000 | it's just doing a little due diligence

00:31:22.000 | and digging in to find out

00:31:24.000 | who the people really are.

00:31:25.000 | If you're a relationship expert

00:31:26.000 | and you've had three divorces

00:31:28.000 | and you're trying to teach people about marriage,

00:31:29.000 | I don't think there's congruency there.

00:31:31.000 | Unless you're very honest and very transparent

00:31:34.000 | that I've had three divorces

00:31:35.000 | and I could take you through that.

00:31:36.000 | So I think it's really important

00:31:38.000 | that people do their due diligence

00:31:39.000 | and learn about the people and who they are.

00:31:43.000 | It's critical.

00:31:44.000 | And then, obviously, the big one is

00:31:45.000 | get, you know, recommendations from other people.

00:31:49.000 | And that's why I built Morning Coach as a community

00:31:51.000 | more than anything else

00:31:52.000 | is because I want a group of people together.

00:31:54.000 | I got tired of friends that didn't believe in me

00:31:57.000 | and people that just didn't have the right attitude.

00:31:59.000 | And this isn't some cheesy positive thing,

00:32:01.000 | like, "Oh, stay positive, read affirmations every day."

00:32:04.000 | It's just real people that are cool,

00:32:06.000 | that are trying to get ahead.

00:32:08.000 | And that's what I try to put together.

00:32:10.000 | Because I've been a product of all the books and tapes.

00:32:14.000 | They were tapes and then CDs,

00:32:16.000 | and now MP3s that I've read.

00:32:18.000 | And I don't think you can not get away,

00:32:20.000 | you know, you can take something away from everything.

00:32:23.000 | But, yeah, you gotta be a little cautious.

00:32:25.000 | And if you see a book or something,

00:32:26.000 | you want to read or resource,

00:32:28.000 | do some due diligence, find out the person,

00:32:30.000 | read their backstory.

00:32:31.000 | And if you can't, run away,

00:32:33.000 | because they're hiding something.

00:32:35.000 | - There's probably a business for a success coach

00:32:37.000 | who simply says, "I'm just gonna tell you

00:32:38.000 | "about all my failures."

00:32:39.000 | Jim Rohn used to have a few lines about that,

00:32:42.000 | about how fascinating it would be to study somebody

00:32:45.000 | who would just open up about all their failures.

00:32:47.000 | He could have learned what not to do.

00:32:49.000 | I've never heard the person actually proclaim that,

00:32:51.000 | but I guess if somebody had been through five divorces,

00:32:55.000 | they could build a business and a career.

00:32:57.000 | Just simply saying, "I have no idea how to run a marriage,

00:33:00.000 | "but let me tell you about the problems I've had,

00:33:02.000 | "and maybe you can spot some mistakes that you're making."

00:33:05.000 | - Yeah, exactly, exactly.

00:33:07.000 | Yeah, and I would love that.

00:33:08.000 | I would love that.

00:33:09.000 | I mean, I don't like to speak in your coaching industry.

00:33:11.000 | I'll just put it out there.

00:33:12.000 | I just am not a big fan of it.

00:33:14.000 | I just see a lot of desperation in it.

00:33:16.000 | I see a lot of people just using it for an egoic basis

00:33:20.000 | and not really wanting to help people.

00:33:22.000 | Honestly, I got to build a business too,

00:33:25.000 | but at the end of the day,

00:33:27.000 | you got to care about your people.

00:33:29.000 | We always go back to that.

00:33:30.000 | We're getting big.

00:33:31.000 | Things are starting to really move for us.

00:33:33.000 | We always say the last person in is the most important.

00:33:35.000 | Our events are getting bigger.

00:33:36.000 | Everything for us is growing,

00:33:38.000 | my inner circle, my mastermind groups.

00:33:40.000 | I just care about people,

00:33:42.000 | and I believe that's why we're growing.

00:33:45.000 | I think that's why some people struggle as coaches

00:33:48.000 | and as speakers, because I was that guy.

00:33:51.000 | I put the suit on.

00:33:52.000 | I just expected everybody to buy my book.

00:33:54.000 | My book was horrible.

00:33:55.000 | It wasn't edited properly.

00:33:57.000 | I just said, "I'll just sell people,"

00:33:58.000 | because that's what I was good at for years.

00:34:01.000 | It wasn't until I got truly authentic,

00:34:03.000 | and then I started to really care about people,

00:34:05.000 | truly care, not just BS, "I need your money."

00:34:08.000 | That's when things started to really flip for my business.

00:34:11.000 | Now I got a whole team that does the same thing,

00:34:13.000 | and we're building this culture of really believing in people

00:34:16.000 | and helping them go.

00:34:18.000 | I really, really suggest people do due diligence

00:34:20.000 | on who they listen to.

00:34:22.000 | There's great teachers.

00:34:23.000 | I wouldn't be where I'm at today without my teachers,

00:34:26.000 | but there's some bad ones out there too.

00:34:28.000 | You're 100% right.

00:34:30.000 | - You talked about investing a percentage of your income

00:34:33.000 | back into your education,

00:34:34.000 | and my mentors convinced me of the value of that

00:34:37.000 | in years past.

00:34:38.000 | Take me back over about the last 20 years,

00:34:40.000 | before Morning Coach and since then,

00:34:42.000 | and talk about some of the ways

00:34:44.000 | that you've invested in yourself

00:34:46.000 | and what has had the highest return

00:34:48.000 | and what perhaps didn't have a very high return for you.

00:34:51.000 | - I'm a product of what I've read and been to and watched.

00:34:55.000 | I try to read three books a week.

00:34:57.000 | I've done that for as long as I can remember,

00:34:59.000 | even when I was poorer than poor,

00:35:01.000 | and I had to go to Bookman's Bookstore in Tucson, Arizona,

00:35:03.000 | and trade my books back in.

00:35:05.000 | Literally, I was running a health club,

00:35:07.000 | running on 20, 30 bucks a week to eat and get my books.

00:35:10.000 | I just read everything.

00:35:12.000 | I mean, I just constantly, I still do.

00:35:14.000 | I listen to a lot of audio books.

00:35:15.000 | Right now, it's usually two books I read and one audio book,

00:35:18.000 | but I try to get through three books a week,

00:35:20.000 | which is kind of insane.

00:35:21.000 | I listen to audio books on two times speed

00:35:23.000 | when I walk the dog in the morning.

00:35:25.000 | Got a system down for that.

00:35:26.000 | Events, I think, are invaluable.

00:35:28.000 | I don't like to travel.

00:35:29.000 | I absolutely hate networking.

00:35:31.000 | I think if there is a hell somewhere and I go to hell,

00:35:35.000 | I will be sent to a networking event.

00:35:38.000 | I can't stand it.

00:35:40.000 | - I'm with you on that one.

00:35:41.000 | - Yeah, it sucks, but there's just something

00:35:43.000 | about networking that's really good.

00:35:45.000 | I'm not networking, but events that are just amazing.

00:35:48.000 | I joined Jeff Walker's Mastermind,

00:35:51.000 | who's very successful, in Product Launch Formula

00:35:52.000 | a couple years ago.

00:35:53.000 | I didn't believe in those groups.

00:35:54.000 | I just didn't think I needed them,

00:35:56.000 | and boy, has that changed my life.

00:35:58.000 | But events are very important.

00:36:00.000 | Masterminding with other like-minded people

00:36:01.000 | who have skin in the game.

00:36:03.000 | I'm paying $30,000 plus a year to be in Jeff's group,

00:36:05.000 | so when I sit down at that meeting,

00:36:08.000 | we know people have skin in the game.

00:36:10.000 | You're not going to pay that kind of money.

00:36:12.000 | Most really good masterminds are $20,000 plus.

00:36:14.000 | If you're spending that kind of money,

00:36:16.000 | you're going to sit next to somebody

00:36:17.000 | that's also committed.

00:36:19.000 | So those type of groups are great.

00:36:21.000 | Events have been great throughout my life.

00:36:22.000 | When I was broke and I couldn't obviously do a mastermind,

00:36:25.000 | then I would go to events, 97th, 297th.

00:36:28.000 | Whenever I could get, I would go to an event,

00:36:30.000 | which are very important.

00:36:32.000 | Then I get audiobooks.

00:36:33.000 | I mentioned it, but I listen to Stephen King

00:36:36.000 | on writing at least once a month,

00:36:39.000 | and I'm getting taught how to write by Stephen King.

00:36:42.000 | It's the best time to be alive.

00:36:44.000 | Come on, give me a break.

00:36:46.000 | Stephen King is teaching me how to write

00:36:48.000 | for a $9.99 audiobook.

00:36:50.000 | Where else are you going to get that?

00:36:52.000 | In my mind, that's one of the...

00:36:55.000 | When people tell me I don't read,

00:36:57.000 | I just think, "Huh? Are you stupid?"

00:36:59.000 | And you are, because you've got the greatest people

00:37:03.000 | in any industry, in any part of society,

00:37:07.000 | any historical period,

00:37:09.000 | that have sat down and synthesized

00:37:12.000 | decades of experience

00:37:15.000 | into something that in 5, 10, 15, 20 hours,

00:37:19.000 | you can absorb decades of experience of this person.

00:37:22.000 | And that's sitting there and you don't pursue it.

00:37:25.000 | You'd only stand on the shoulders of giants

00:37:27.000 | if you actually climb up their backs.

00:37:29.000 | It's not some kind of automatic thing

00:37:31.000 | that somehow because you magically are alive in 2015

00:37:35.000 | that you can absorb the wisdom of the universe

00:37:39.000 | through osmosis.

00:37:40.000 | You've got to sit down and educate yourself.

00:37:42.000 | And an audiobook is the best way to do that.

00:37:46.000 | 100%.

00:37:47.000 | I'm a C student through college,

00:37:50.000 | all the way through, until I get to my upper grades.

00:37:52.000 | Then I actually did good because I actually applied myself,

00:37:54.000 | but most of the time I was bored as hell

00:37:56.000 | in those other classes.

00:37:57.000 | And so I still have trouble adding up

00:37:59.000 | my golf score at the end of the day.

00:38:01.000 | But the thing that I do have is tons of knowledge

00:38:03.000 | about reading and I just think everybody should do that.

00:38:05.000 | It's why I'm here today.

00:38:07.000 | I wouldn't be here if it wasn't for the reading.

00:38:09.000 | - You built a business,

00:38:10.000 | and this is the final area I want to explore with you,

00:38:12.000 | you built a business Morning Coach,

00:38:14.000 | and this was based, as far as at least your initial approach,

00:38:17.000 | was based upon the concept of a daily coaching discussion.

00:38:23.000 | Was that a unique concept at the time?

00:38:26.000 | - Yes, I mean it was very unique.

00:38:28.000 | In our space, nobody had ever done it,

00:38:30.000 | and really nobody really ever still has.

00:38:33.000 | Personal development every single day,

00:38:36.000 | creating a system, because one of the issues I had,

00:38:38.000 | I'll just tell you quickly, the history of Morning Coach,

00:38:40.000 | I was going to get 52 different speakers and have them do it.

00:38:43.000 | I wasn't going to do it myself.

00:38:45.000 | I was going to get 52 speakers

00:38:46.000 | and then join the National Speaker's Association,

00:38:48.000 | and I just couldn't find speakers I wanted.

00:38:50.000 | I just couldn't find people that were in alignment with my methods,

00:38:54.000 | so I decided to do it.

00:38:55.000 | Because the issue, what happened with me as a reader,

00:38:58.000 | is that I would read Tony's book, then Zig's book, then Covey's book,

00:39:02.000 | and I would start to apply these things,

00:39:04.000 | but I didn't even recognize I was confusing myself subconsciously.

00:39:07.000 | So where Morning Coach really started

00:39:09.000 | is when I started to try to find speakers

00:39:11.000 | to give me something every day,

00:39:12.000 | because I was running on that content, even with the books,

00:39:14.000 | and I wanted something consistent.

00:39:16.000 | So when I started to do that is when my life started to change.

00:39:19.000 | It started to move in another direction.

00:39:21.000 | And so that system came to be that, hey, you can read everything.

00:39:24.000 | You can get all the information from all the different teachers,

00:39:27.000 | but get something consistently and concurrently on a daily basis.

00:39:31.000 | And all the great teachers have always said that.

00:39:33.000 | Do 30 minutes of positive personal development every day.

00:39:35.000 | But the issue is when you're reading Jim Rohn and Stephen Covey

00:39:38.000 | and Zig Ziglar and Tony Robbins,

00:39:40.000 | you're getting different philosophies every day,

00:39:43.000 | and if you don't have some glue to hold that together,

00:39:45.000 | it really can get frustrating,

00:39:47.000 | because subconsciously you're setting goals one way,

00:39:49.000 | and the next day you're doing something else.

00:39:51.000 | It's different to get inspiration.

00:39:52.000 | It's another thing to have a systematic system in place of your growth,

00:39:55.000 | because you're switching systems all the time.

00:39:57.000 | So that's where Morning Coach came from.

00:39:59.000 | It's like, man, I need a system.

00:40:01.000 | I need something that I can do every day that's going to be in alignment.

00:40:04.000 | So if I get an idea from Zig, it's not throwing something into the--

00:40:08.000 | throwing a problem out there because I didn't realize it,

00:40:12.000 | because all of a sudden I'm reading another system on goal setting.

00:40:14.000 | It's a totally different one than I read yesterday.

00:40:16.000 | So that's the whole reason that Morning Coach came through,

00:40:20.000 | was there was this need for something in the morning

00:40:23.000 | to really help people get a consistent system as they read their books,

00:40:26.000 | as they went to events, as they did everything else,

00:40:29.000 | not burn out from going to see Tony.

00:40:31.000 | They're all excited.

00:40:32.000 | They come back, and two weeks later, they're back into their regular life,

00:40:34.000 | but to have something that they could plug into

00:40:36.000 | that was going to be consistent and similar in scope over the whole period.

00:40:41.000 | So what is the organizing framework, though?

00:40:43.000 | Is it a unique system that you created,

00:40:45.000 | or is it just the fact that you have one specific actionable principle each day?

00:40:50.000 | No, it's pretty much the system that I've created from over the years.

00:40:53.000 | One of the big philosophies you have is the Sacred Six philosophy,

00:40:55.000 | which is the actual book coming out from Hay House.

00:40:57.000 | We have a lot of metaphysical aspects to it.

00:40:59.000 | We have Financial Fridays where we kind of go over

00:41:02.000 | prosperity, consciousness, and things there.

00:41:04.000 | So there's a lot of structure.

00:41:05.000 | Mondays we organize.

00:41:07.000 | Tuesdays we do personal evolution, personal development.

00:41:09.000 | Wednesdays is a metaphysical spiritual day.

00:41:11.000 | Thursday is a book study.

00:41:13.000 | We do people's various books, and then Friday is prosperity and abundance.

00:41:16.000 | So we have a structure that we're always constantly working.

00:41:19.000 | And the idea is to focus on 1% improvement.

00:41:21.000 | That's it. 1% improvement.

00:41:23.000 | And people that plug into the system get really great results

00:41:26.000 | because it's a simple system yet effective because it's consistent.

00:41:30.000 | It's every day.

00:41:31.000 | And I don't care if it was me or somebody else.

00:41:33.000 | We did some growth work every single day, whether you're listening to me or somebody else.

00:41:37.000 | It's going to work.

00:41:38.000 | You just got to give it time, be patient, and commit to it.

00:41:44.000 | Yeah, that's been my experience.

00:41:46.000 | And last question on this, and then we'll just talk about morning coach.

00:41:51.000 | Last question.

00:41:52.000 | How do you balance the tension between learning more and applying more?

00:42:01.000 | You know, again, it goes back to my Sacred Six philosophy.

00:42:03.000 | So with the Sacred Six, we do not do more than six activities at any one time.

00:42:07.000 | So if you've got six projects, you can't add anything else to it.

00:42:10.000 | So you can learn more, but you can't add anything to it.

00:42:12.000 | So like my team, we have six things that are going, and we have a list, you never know,

00:42:17.000 | of so many things that are million-dollar ideas, but we can't touch them because we're not ready.

00:42:22.000 | And I think the biggest issue with most people is they run around doing too many things.

00:42:25.000 | So the first thing they have to do is get one thing going.

00:42:28.000 | So it's like one stream of revenue or learn Spanish or something, right?

00:42:31.000 | So they have one thing, and then they can start to move into more things.

00:42:35.000 | But, you know, in all the research I've done, and that's why we're writing the book on this,

00:42:39.000 | you can't have too many things going on.

00:42:41.000 | Essentialism, one another book that's come out that's really big.

00:42:44.000 | People are so scattered, and really the problem is it's not time management anymore.

00:42:49.000 | It's not balance. It's focus.

00:42:51.000 | And it's really learning about focus management.

00:42:54.000 | I always say time management is so '80s, right?

00:42:57.000 | It's like nobody should be teaching time management anymore.

00:43:00.000 | I mean, I literally have one, two, three, the MacBook just came in, four, five, Apple Watch.

00:43:08.000 | I mean, I have six devices right now.

00:43:10.000 | I'm probably getting bombarded by radiation.

00:43:12.000 | iPhone 6 Plus, a Mac Pro, a Mac Air, a new MacBook, and an Apple Watch on.

00:43:17.000 | You know, all this is around me, an iPad.

00:43:20.000 | I mean, it's ridiculous.

00:43:21.000 | And then when I look at my screen, you know, we're doing this as a recording,

00:43:24.000 | and we're talking to each other.

00:43:26.000 | I've got Skype going. I've got my chat going. I've got HipChat going.

00:43:29.000 | This is all in my environment, just by looking around.

00:43:32.000 | You know, so, I mean, the stress comes from lack of focus.

00:43:37.000 | You know, and it's Stephen Pressfield, who I love.

00:43:40.000 | A friend, Pressfield's awesome, and everybody should read The War of Art.

00:43:44.000 | Those are things that just add to the resistance of not doing things.

00:43:48.000 | You just got to get focused in on a few things that you're going to do, a few actionable items every day.

00:43:53.000 | Stick with it.

00:43:55.000 | And, you know, what you'll find, what will happen is you'll start on plan A,

00:43:58.000 | and you'll have this dream, and you'll start moving it, and it won't work.

00:44:01.000 | So you go to plan B, and it won't work.

00:44:03.000 | I'll tell you this. You'll be lucky if it works on A or B.

00:44:06.000 | You'll go to C, then D happens, then E, then F.

00:44:09.000 | Then, you know, I think morning coaches like T.

00:44:12.000 | That's where we're at. And, hey, it worked. Oh, my gosh, it's working.

00:44:16.000 | You know, it's like a par on the golf course or a birdie. Wow, we hit one.

00:44:19.000 | And that's the way it is.

00:44:21.000 | And if you get the right support structure around you, you'll eventually get there.

00:44:25.000 | I made myself a rule that helped me back to that focus management.

00:44:28.000 | I realized that my skills of focus had significantly atrophied through the last few years with the Internet age.

00:44:35.000 | There's always something going on.

00:44:37.000 | And I realized that I wasn't simply able to process information in a linear format as well as I used to.

00:44:44.000 | So I bought a printer, and I made myself a promise.

00:44:47.000 | If there's something worth reading, I'm going to print it out, put it on my desk,

00:44:52.000 | and turn off the computer and sit and read it by hand with a pen and a highlighter in my hand.

00:44:57.000 | That's helped immeasurably because no matter how awesome Instapaper is

00:45:01.000 | and no matter how great reading it on the devices is, there's so many distractions there.

00:45:07.000 | And even though I have most of them turned off, everything just turns into a rabbit trail.

00:45:11.000 | And that's been hugely helpful to me to rebuild my skills and my muscles of focus.

00:45:18.000 | Well, we're finding not only that in our research,

00:45:20.000 | that the narrow connection between writing and reading off the computer is actually very strong.

00:45:27.000 | So much so I'm doing a lot of research with a dip pen.

00:45:30.000 | Kate was in Italy and brought me a dip pen back, and I'm journaling with a dip pen.

00:45:34.000 | I'm going really old school.

00:45:35.000 | A fountain pen with a dip, you dip in the ink.

00:45:37.000 | Think Ben Franklin.

00:45:39.000 | And there's just a connection there.

00:45:41.000 | I actually use a pencil, a number two pencil a lot of times.

00:45:44.000 | I have a writing coach that helped me with this because I was struggling.

00:45:47.000 | So a lot of my writing will start with a number two pencil and a yellow pad and then move to the computer

00:45:52.000 | because there's a narrow connection between those two.

00:45:55.000 | And yeah, we're moving more and more to computers,

00:45:57.000 | but I think we're finding people actually moving more offline.

00:46:00.000 | And I'm actually building a journal that's a paper journal based on the Sacred Six program.

00:46:05.000 | We're going to build the technology, but we're also building a journal system that's paper and pen.

00:46:10.000 | And you'll find that for me, I have my Moleskins, and I have a new kind of notebook that I use, and I love them.

00:46:17.000 | But that doesn't take me away from I just got the new 12-inch MacBook.

00:46:21.000 | I got it here on my desk that I can carry everywhere in the world and type my notes in.

00:46:25.000 | But there's still something about being able to write things out that make a big difference.

00:46:31.000 | Yeah, the integration of the two is probably the ultimate.

00:46:36.000 | That's what's key. Yeah, I mean, I got an Apple Watch on right now, into the phone, into the Evernotes.

00:46:41.000 | I'm using Dropbox now. I just absolutely love Dropbox because I can see things through.

00:46:46.000 | I use Scrivener for my writing. I mean, I absolutely love it. I'm a nerd.

00:46:51.000 | I love the computer. I love the ability to systemize and organize.

00:46:54.000 | That's why I can play golf every day.

00:46:55.000 | But at the end of the day, when I sit down and I got to be creative and really connect,

00:46:59.000 | like something as personal as journaling or something as personal as setting up my day and what I need to do,

00:47:04.000 | I like to write that down. I don't like a program to send that out to me.

00:47:08.000 | I'm with you. JV, tell us about Morning Coach, where people can go for information to subscribe and sign up if they're interested.

00:47:14.000 | Yeah, Morning Coach is cool. It's very laid back. We do charge because that's our business.

00:47:20.000 | I think we're one of the few people that charge for a daily podcast is what it is.

00:47:24.000 | We call it a coach cast, but it's 20 bucks a month. We do seven days free.

00:47:27.000 | We've got this wonderful community of people all over. Just go to MorningCoach.com.

00:47:31.000 | It's a really great group of people, and we're just working to help each other.

00:47:35.000 | That's what we do. We do two events a year. We do a motivational event in February called Awaken My Life,

00:47:41.000 | which is really cool, and we have a lot of people come to that.

00:47:44.000 | In October, we have another one called Lifestyle Design Summit, all based on lifestyle design.

00:47:50.000 | That's coming up on the 16th and 17th of October at Fort Lauderdale Convention Center.

00:47:54.000 | It's a cool environment. Anyone who wants to go to that, LifestyleDesignSummit.com.

00:47:58.000 | That's it. We're pretty chill. Find out about me, Glossinger.com.

00:48:02.000 | I keep some information up there on things that are going on, my golf game and life.

00:48:06.000 | People want to find out more about me, that's a good place to look us up.

00:48:09.000 | Thanks for coming on, man. I appreciate it.

00:48:11.000 | No problem, brother. Glad to be here. Just keep doing what you're doing.

00:48:14.000 | We need more people out there like you.

00:48:17.000 | Hope you enjoyed that as much as I did.

00:48:20.000 | Always something that you can learn from somebody who's a morning coach.

00:48:23.000 | The story, just as we close, I just want to emphasize his story about the lady listening in the closet.

00:48:30.000 | You never know the impact that you can have on somebody else, and it's truly incredible.

00:48:34.000 | We really do live in an amazing, amazing time.

00:48:38.000 | Take some of the ideas and concepts that JB has, apply them to your own life.

00:48:43.000 | It's a good promo for entrepreneurship like we've talked a lot about.

00:48:49.000 | You can just see the benefits of entrepreneurship from JB's story.

00:48:52.000 | Obviously, not easy, but it might be worth it for you.

00:48:56.000 | Check out some of his links. Check out themorningcoach.com.

00:48:59.000 | Also, let's see, lifestyledesignsummit.com.

00:49:02.000 | I don't have any kind of an affiliate link for that or anything, so just go to lifestyledesignsummit.com and check that out.

00:49:11.000 | I actually will be going to that.

00:49:13.000 | I met JB here. Where I originally met him was at a podcast South Florida meetup here in Fort Lauderdale, and I'll be going to that myself.

00:49:22.000 | So if any of you want to come, feel free to plan on meeting me and seeing me there in Fort Lauderdale when that event happens.

00:49:28.000 | Thank you, JB, so much for coming on. I really appreciate it.

00:49:30.000 | And thank you all so much for listening.

00:49:32.000 | If you benefited from this information, check out JB's stuff, but also I'd be thrilled if you become a patron of the show.

00:49:37.000 | Details of that are at radicalpersonalfinance.com/patron.

00:49:44.000 | The way that works is the show is directly supported by you, the listener.

00:49:48.000 | You figure out how much this content is worth to you.

00:49:51.000 | Figure out what the amount of money is, the difference that you expect my content to make in your life.

00:49:59.000 | Take 10% of that, trot over to radicalpersonalfinance.com/patron.

00:50:03.000 | Put that number in. It literally can be as little as a dollar a month or it can be as much as a couple hundred bucks a month.

00:50:07.000 | I got some different bribes and benefits for you at different levels, early bird access to the show, access to a private Q&A, which, by the way, that is coming up soon.

00:50:16.000 | So radicalpersonalfinance.com/patron. Hurry up and get over there. I think the Q&A is next Friday.

00:50:21.000 | I will be sending out notice to that very soon, radicalpersonalfinance.com/patron.

00:50:26.000 | Thank you all so much for listening. Be back with you soon.

00:50:28.000 | [Music]

00:50:44.000 | Thank you for listening to today's show.

00:50:46.000 | Please subscribe to the podcast with our free mobile app so you don't miss a single episode.

00:50:51.000 | Just search the App Store on your device for Radical Personal Finance and you'll find our free app.

00:50:57.000 | If you have received value from the content of this show, please consider becoming a patron.

00:51:01.000 | Your financial support is how I pay the bills for the show and how I plan to grow our content.

00:51:06.000 | You can support the show with as little as a dollar a month or as much as you feel the content is worth.

00:51:11.000 | Details are at radicalpersonalfinance.com/patron.

00:51:16.000 | If you'd like to contact me personally, my email address is joshua@radicalpersonalfinance.com or connect with the show on Twitter @radicalpf and at facebook.com/radicalpersonalfinance.

00:51:28.000 | This show is intended to provide entertainment, education, and financial enlightenment, but your situation is unique and I cannot deliver any actionable advice without knowing anything about you.

00:51:41.000 | Please, develop a team of professional advisors who you find to be caring, competent, and trustworthy, and consult them,

00:51:49.000 | because they are the ones who can understand your specific needs, your specific goals, and provide specific answers to your questions.

00:51:58.000 | I've done my absolute best to be clear and accurate in today's show, but I'm one person and I make mistakes.

00:52:04.000 | If you spot a mistake in something I've said, please come by the show page and comment so we can all learn together.

00:52:10.000 | Until tomorrow, thanks for being here.

00:52:13.000 | Are you ready to make your next pro basketball, football, hockey, concert, or live event unforgettable?

00:52:18.000 | Let Sweet Hop take your game to the next level.

00:52:21.000 | Sweet Hop is an online marketplace curating the best premium tickets at stadiums, arenas, and amphitheaters nationwide.

00:52:28.000 | Sweet Hop's online marketplace makes it easy to browse and book the best seats.

00:52:32.000 | With no hidden fees and a 100% purchase guarantee, you can feel confident when you book your premium LA tickets with Sweet Hop.

00:52:39.000 | Visit SUITEHOP.COM today.

RPF0218-JB_Glossinger_Interview