♪ Bless him in the mornings ♪ ♪ Come back Sunday morning ♪ California's top casino and entertainment destination is now your California to Vegas connection. Play at Yamava Resort and Casino at San Manuel to earn points, rewards, and complimentary experiences for the iconic Palms Casino Resort in Las Vegas.

♪ Got to sort of tell 'em ♪ Two destinations, one loyalty card. Visit yamava.com/palms to discover more. - Good morning. (laughing) Well, that's not my intro. That's how he introduces the show. I figured it would only be fitting. Good morning, radicals, or good afternoon, radicals, or good evening, radicals.

Today I have an interview with the morning coach himself, JB Glossinger, host of the top-ranked Morning Coach podcast. We're gonna talk about his story and also all the stuff that you can do every day to coach yourself to a better life. (upbeat music) Welcome to the Radical Personal Finance podcast.

My name is Joshua Sheets and I'm your host. Thank you so much for being here. Interview for you, as I said, JB Glossinger, founder of themorningcoach.com. He's been doing this podcasting thing for a very long time. And I want you to learn a couple of things that are important in today's show.

Number one, listen to his actual coaching advice, but also listen to his story of how he transitioned from something he hated to something he loved. (upbeat music) Pointing it out to you 'cause I see it everywhere, and since I see it everywhere, I gotta point it out to you, is the best way to build financial independence and financial freedom for you is just simply transition from something that's not a good fit for who you are as a person, your skills, talents, knowledge, and ability, interests, goals, et cetera, to something that is a good fit for you.

And that road of transition might be tough or it might not be. And regardless of how difficult it is or how long it takes, it's still worth it. Here's JB. (swoosh) JB, welcome to the Radical Personal Findings Podcast. I appreciate you being with me. - Hey, I'm glad to be here.

Excited, excited. - Been looking forward to chatting with you ever since we met at the podcast South Florida meetup a couple months ago. And I'd like to start with talking a little bit about your day-to-day work as a coach. Before we get into actually your advice for people, though, what's your story and your background with regard to building a life that you love and building a lifestyle of freedom?

How did you wind up in this world of coaching? - Well, I stumbled and bumbled and fell forward, I guess, and failed a lot. That's kind of how I got there, just by making a lot of mistakes. I gotta say, it's not been a pretty picture. I was in corporate forever, thought that was my dream, did the MBA, did the PhD, went through school, spent tons of money, got totally into student loan debt and woke up one day just wondering, what the hell am I doing with my life?

Sitting in an office on the board of directors, making a ton of money in a very glamorous position. I actually went from selling aircraft, literally aircraft, to running a host shop for aircraft here in South Florida because they needed some help down in Miami. And I was just miserable, man.

I was getting up Monday morning, going in, hungover, and then work until Friday, and then Friday night going out and just trying to forget about my life. And on the outside, everybody, it looked like this great life, company car, board of directors, a lot of money, but on the inside, I was crumbling.

So the money was great, but my life wasn't. And I knew that I needed to make a change because I always said, if I'm gonna be the person that's always complaining, that that means there's a change that needs to be made. And I decided to make a change, and I wrote a book because I'd followed Tony Robbins and all the great pioneers in personal development, Zig Ziglar and Tom Hopkins and those guys, and said, "Hey, I can do that." And I wrote a book and decided to go out and put a website together and go out and promote this book and become a speaker.

But I didn't realize that there's a lot more to it. You just don't write a book and build a website. I thought everybody would buy my book and everybody would come to my website. In fact, I spent 40 grand on the book, and we put all of our savings in this business, and I just failed.

It was really ugly. I quit my job. Anybody with a dream, it wasn't the smartest thing to do. Now I had no revenue. I had no way to pay the bills, but I had a house full of books. And so it was really ugly. Many times I almost gave up and went back and got the paycheck, and there's nothing wrong with that.

Sometimes you need to go get the paycheck. But I stuck with it long enough and really failed forward. I did a podcast that got really successful, and over a couple years it was free, and then we went to paid. That's what allowed me to eventually break free. But it really was just chasing my dream and working on it every day and taking a lot of chances and failing over and over again and not really worrying about what everybody else thought through that failure.

That's what got me to the point where now I'm pretty much done. I actually do my podcast, my motivational stuff, on the weekend. On Sunday night for two hours. I used to do it every morning, and now I do it on Sunday. I do five of them just because I like the energy.

I'm all in one place. Plus, it gives me nothing to do during the week. I literally play golf every day, just write and have fun. I don't have any really commitments anymore, and it's just a wonderful place to be. I've been able to build systems to give me freedom.

What's crazy is my business doubles and triples and quadruples every single year using these systems. It's just been really a fun ride, but a painful one at that. I wouldn't wish those first five years on anybody, but here I am ten years later, the overnight success, and it feels good.

I've got to be honest. It feels good. The ten-year overnight success, just like every other overnight success that I've ever talked to in my life. Yeah, exactly. Exactly. They weren't with me for the first five years. You know what's funny is those five years when we were losing everything, nobody wanted to be with me.

I was like, "Why can't we sell a damn book?" or "Why won't somebody listen to me?" It was a challenge. We just kept going after it and rowing the boat and here we are. What's interesting to me is just kind of hearing your own progress. At what point did you walk away from the corporate job?

When I banked in my head, I call it banking in my head. I did the math and I said, "Okay, if I buy these 4,000 books, "10 bucks a piece, and sell them for 25 bucks, "that would give me enough money to get going." But when all the books came in and then I sold five copies in the first month, then it got really scary.

I thought I was going to make all this money and you put a website and it just works, but it just didn't work. The reason I was asking is because it's funny because it sounds almost like my own story with radical personal finance. I was doing well, had the nice practice that I thought I wanted, and then it's like, "This needs to be done." Unfortunately, there was no way for me to build radical personal finance as a practicing financial advisor due to the industry laws.

I did what I would advise no one else to do, which was just simply walk away without a business plan. I have a plan, I mean a little bit of a plan, and I'm a year into it, so it's just nice to know that other people have gone that path before.

- Yeah, and I'm a very analytical and detailed person, very anal, but sometimes you just got to take the chance. I call it intelligent life design. I teach it. Do your hobby or passion two hours or three hours a day and keep your job. I think it's a better way to do it, honestly, for a lot of people.

I think it's smarter. But you know what? There's a couple of us crazy people that just jump in. And you learn. I mean you really learn, and you become an entrepreneur. You realize that weekly paycheck's not gonna come in, and that makes it really difficult. - So I'd love your input as a coach and to talk about some of the types of things that listeners can do to improve their mindset.

And what's interesting is you are working in an industry that there's a lot of shysters, and there's a lot of great leaders. So in your work as the morning coach, what have you learned is probably the biggest area that most people ignore that impacts their either success or failure in life?

- Honestly, I think it's the egoic attachment to things. You know, so many people are, since we're talking about finance and that area of life, let's talk about that. So many people are striving to get more and to bring more into their life. But the truth is if they could set up residual or passive income streams for $3,000 to $10,000 a month, they could probably do so much more with their life.

But because they've got themselves set up on a $11,000 to $15,000 or $20,000 a month, not because it was an egoic thing. You know, they gotta have their Mercedes, they gotta have the six-bedroom house, they have to continually push, push, push to try to keep up with the Joneses, they lose their freedom.

And I know that 'cause that's what I did, and a lot of people are doing that. And it's a scary thing because there's so many people that are close to freedom where they could spend more times with their family, their children, or just themselves, or going to the beach, or playing golf.

If they just step back a little bit from what they've been taught and recognize that there are other ways to do things. And I think that's the big thing. Yes, I'm a personal development guy, but my dream is to have a million friends and then help a million people become free or more.

And that's really important to me is to see people create streams of income and get their time back. Because at the end of the day, we talk about finance all day. You can always make more money, but you can't make more time. And I just see people crumbling because of this, and they just get themselves in the hamster wheel, and they can't get out.

And it's a sad place to be because they don't have freedom. And I really want to help people do that. And in order to do that, you've got to find your authentic, true self and stop worrying about what other people think. - Expand on how you actually deal with it.

You just gave a start of an answer there, but let's say I've identified that, man, I'm really caught up in living a lifestyle that might seem impressive in the pictures on Facebook. What do I actually do about that? - Yeah, well, you've got to just realize that you've got to be true and honest to yourself and start to step back and, first of all, organize your finances and see what you really need, and then maybe cut back a little bit and recognize that you don't need to buy things or do things for other people.

And getting more of a prosperity mindset or an investment mindset is critical. Become a producer instead of a consumer. And 90% of the people out there are consumers out there. And the more you can produce, the more you can understand value and put it out into the world, the more you're going to be able to step back and then achieve freedom.

And then in that free area is when you can just be yourself. And I think it's important. When I wrote my book and went out there, I paid $5,000. I had no money. I mean, we were broke and broke, and I paid $5,000 to an image consultant. And I put this suit on.

I mean, you can see I did an NBC interview that this PR agency got me, and I looked like an idiot, really. It wasn't me. And I just was egoic. I thought that you had to do all these things the way people tell you to do them. And I sucked so bad that I finally realized that if I'm going to lose all my money, I'm going to suck.

I'm going to be myself. And that was a turning point in my business, in my life. I just quit caring. I was like, "I'm going to do the things I want to do "the way I want to do them, "and you know what? "I'll find people that are the same.

"And if nobody likes me and it doesn't work, "well, there's always McDonald's." And that really was my mindset. And it's what finally turned it. Instead of trying to focus on what other people thought and what other people needed me to be, I finally stepped back and said, "Okay, what do I want to be, "and how do I want my life to look like?" So I think the key thing is to first understand that aspect of it and get really clear of how you want your life to be.

And I'm going to tell you, being a housewife of Atlanta or living those lifestyles that are very empty and shallow is not the life that most people want, but that's what they're trying to live like. They're trying to live like the Kardashians. They're trying to live these lives that are just really reality-based TV, and there's no truth to that.

It's sad. So how do you identify, though, the difference between being yourself, being like you want to be, being your authentic self, versus recognizing the fact that in the marketplace, perception is reality. People do perceive you in a certain way, and it might be intelligent to listen to some of the coaching that would tell you to make sure that you're presenting yourself to the marketplace carefully.

Where's the distinction between those things? - I think that's BS. There's billions of people in the world, billions, with a B. What I teach in the business side of things is find 500 people that'll pay you $2,000 a year for value, and every single person I know is an expert in somebody that would be listening to this show.

Yeah, there are some people that aren't there. We know that, and they need education. They need to get themselves to the next level. But if you build your business around producing revenue and producing value that produces revenue at $2,000 a year, 500 people, which every single person that's listening to this knows, that's a million-dollar business.

So there are people making money in every single market sector. There's people on Amazon writing dinosaur porn books and making a ton of money. (laughing) This is the greatest time to be alive. And I think most people are just too concerned about what other people are doing and not willing to give their love or their passion time.

That's the key thing. You find a few people, you give value out there, you grow, you learn, you develop, and you build your platform. It's there for every, if I could do this, believe me, anybody could do it. - I don't know, you're Mr. MBA and PhD. - No, but that's-- - It's a good way of selling it, but you're obviously a pretty capable guy.

- Well, let me tell you that. I wanna talk about that 'cause it's really important, Joshua. I'm glad you bring that up. I do not use that much. You know, I got a big book coming out with Hay House and they threw a PhD up there. And I'm telling them I don't want it on my name because that was a crutch.

When I was getting into this business, I thought I needed gray hair. (laughing) It's a true story. And I thought I needed an MBA and I thought I needed a PhD. And that's the only reason I spent all that money. And it was a waste of time and energy and effort.

Yes, I learned a little bit from it. But at the end of the day, I don't even like those things anymore. I don't even want those letters because those were my crutch that I thought I needed to be successful. And I didn't need those things. So you just gotta caution that.

I mean, I meet people every single day from all walks of life. You know, my new passion is golf, so I'm on the golf course every day. And you know, most people that can golf a lot have very different lifestyles, you know. Not too many people golf every single day.

And so I'm able to travel and go to some of these really cool courses and meet some really cool people. And they all have this common thread of uniqueness. That they've found this unique ability to do the things they want. Yeah, there's this certain sector that has had money passed down, the lucky sperm, I like to call it, right?

But at the end of the day, the people that are really successful are the ones that have found their true, authentic self and they've put something out and they've put their passion, their love, their joy out there. And that's what I really want to help people find is that ability to get up in the morning and be excited about life, you know?

It's like, I don't like to sleep at night and I love to get up because I'm ready to challenge the day. And so many people don't even want to get out of bed and it's so sad. It's just sad to me. - I understand what you're saying about the MBA and PhD because it aligns with my own experience.

When I started in the financial planning business, I was 23 years old and I had an incredible perception of, I struggled with the fact of who's going to listen to me. I'm 23 years old and I have a tremendous baby face, so therefore I felt like I needed to prove to people that I knew what I was talking about.

So I went out and got a bunch of designations. I got a master's degree in financial planning. I got a CFP and a bunch of other stuff that all matters to a very small number of people. And now I look at that and I look back and I think about today, I could walk in in a pair of board shorts and a t-shirt with a yellow pad and a financial calculator and a pen and I can do a financial plan for somebody because I'm confident in what I know.

And I don't need the CFP and the CLU and all that stuff because that's become part of my confidence. It's become part of who I am. And so today, it wouldn't matter to me whether it's there or not. I leave it there in case somebody ever, it ever is helpful to somebody.

But to me though, I don't think I could have made that shift without going through the process of the work. And I'm not sure you could have made this shift and developed the confidence without going through the process of the work. Do you think I'm wrong? No, I think we're all on our own pace.

I mean, Michael Dell, Quick College, Bill Gates, Steve Jobs, I mean, they didn't even finish college. I mean, but their passion flew through. I think everybody's on a different path. So I'm not saying it's right or wrong to get the education. No, I think it's great. I think education's awesome.

I think the problem is when you think that you need the education, it's your crutch. You know, I wish I would have went back. If I had to do it all over again, I would have went for the education. I was there for the letters because I thought that would take me to the next place.

So I have nothing wrong with it. I think it's great. If you can come from a place of authenticity and do your MBA, I think it's fantastic. It wouldn't be what I was there for because I was there for the next career jump. So interestingly, I 100% agree with you because if I were going to go back and do it again, I would do the same thing.

I wouldn't have gotten a business degree. I would go and get a degree in, I don't know, something like philosophy or something that I cared about instead of just what I needed to do to get into the business world. And all the financial planning classes, I just lined them up and took tests to get as many letters as possible.

And I wish I had slowed down and absorbed more of the information and learned it better than I did because that was just about getting things done. So we share the same perspective on that. Yeah, well, I think everybody does. I mean, we don't have to pull any punches.

I mean, people are trying to get ahead, right? I mean, that's the truth. I mean, I have not met one person that I talked to that doesn't love freedom and to make more money. I mean, I have not met one person, even Mother Teresa. The reason Mother Teresa was so successful is because she could raise money, right?

I mean, it just is what it is. So we have to have that background. My issue is that when we get so egoic, we get so caught up in TV and just going throughout the minutia of the day and plopping down and watching the next Breaking Bad, which I have no problem with.

I love Breaking Bad. I just finished it, but I watch it on Netflix. I watch three of them at a time and on airplanes. But we got to open our minds to the pure potential that's in the world. I know that's deep, but there's billions of people in the world and we got to open our dream or start to build our dream.

And we just got to allow time to take place. And whatever business that you're in, I don't care. I have friends that build yachts. I have all different types of friends, and all of them had to start somewhere. And there's a thing in Zen that says the beginner mind.

And we don't allow ourselves to be a beginner enough. And people buy passion. And if you're passionate and excited about the things in your life, that's going to come through. And I don't know a person in the world that can't do that, that has the motivation and wants to do it.

There are a lot of entitled people that just don't want to, and that's cool. But anybody that's listening to this, obviously, is somebody that has the ability. They just need to borrow the belief and then have the patience enough to build something that is going to work for them.

And personally, I would think they should search residual and passive income type streams or buy businesses, which is another thing I do, to try to generate revenue. Because I just think it's just a wonderful time to do that. And I think that's what creates true financial security. And not only that, you made a great point, Joshua, is the lessons that you learn by doing those things is really what's going to help you in the future.

You've been doing this for 10 years. What's a story that stands out in your mind as one of the most unlikely transformations that you've seen with somebody that's been involved in your coaching community? Well, do you want me to talk about business or personal life? Because I have a couple.

One of each. Okay, well, in personal life, I'll tell you, my avatar, and I think everybody needs an avatar. That's the person you speak to. So when I sit down to write a blog or write my book with Hay House or to do a podcast or something in that manner, I always have somebody.

And the one person I have is a woman who lived in Europe, actually started in California, married a gentleman from Europe and moved to Europe with him. And she sent me a seven-page letter. So I opened this letter up one day, and she told me how awesome her life started, that they had two beautiful kids, and she was in Europe.

And about two months into the deal, he started to beat her. And so she used to hide in the closet. That was her thing. He would beat her, and she would go in the closet. And so I'm reading this in a letter, Joshua, by the way, which is pretty intense, and I'm reading about her being beat.

And then I read that she found me. And she found me on iTunes and started listening to me every day. And she would get beat, and she would go in there with her little iPhone, and she would listen to me, trying to get her going. And finally, and again, I'm reading this letter, she said that he started beating the kids.

And she didn't have any strength, but she listened to me every day, and she said, "You know what? "This guy's telling me to go after my dreams, "and I believe I can do this." And she took the money out of the bank, like three grand, moved to California with her kids, left this guy, didn't know anybody there, still paid me my 20 bucks a month to be a Morning Coach member.

And in this letter, she finished by saying that, "Yesterday I ran my first marathon. "My kids were at the finish line. "I have a beautiful husband now "and a beautiful life in California. "I just want to thank you." And it's just a testament to the power that we have to touch others.

I'm just a normal guy from Indiana. I never thought. In fact, I look in the mirror a lot of times and say, "Why me?" But now, any time I need to get my butt up and focus on writing or do something or say, "Hey, I'm not playing golf today," I think of her.

And I think of that woman in the closet being beat. And that's what we need. That's what people need. If people say, "J.B., I don't know "if I can go out there and talk to other people. "I don't know if I can chase after my dreams." I guarantee there's somebody that needs what you have.

And that's my job. My job at Morning Coach and what I do is to tell people to get out there and be great because we need you. We do. We need everybody's greatness, whether it's curing cancer, which is awesome, or creating a new paper clip to put papers together.

They're all relevant, and they all make the world better. And so I'm kind of selfish in doing Morning Coach because I want to have a better life because of the greatness that people bring to me, the Teslas of the world, and all the things that are going on out there to make our life better, the new MacBook that I got.

All these things make my life better, but we can't make our lives better unless we get greatness from individuals. And that comes from people going after their dream. - That's a remarkable story. What about the business example? - Yeah, my business is another one. Janelle Mills, she's the CEO of Kool Wazoo.

She listened to Morning Coach and was listening for a while, stay-at-home mom, three kids, took her kid to a swing set, set the baby in the swing set, and the baby burned her butt. And she's like, "I've got to do something about this." So she created a product, listened to Morning Coach, got the beliefs, thought she could-- said, "I could do this." I'll never forget the day I got a Skype from her as a Morning Coach member.

She goes, "Can I ask you a question on speaking?" And I said--she goes, "I've got this thing coming up." And I said, "Yeah." I said, "What do I need to do? "These people are preparing me for a proposal." I had no idea what it was, and I said, "Just be you.

"Be you. People buy passion." So she went on Shark Tank. Went on Shark Tank, and everybody turned her down. And then she started crying. She decided to be herself. I had no idea this was going on, and so she started, you know, crying and being herself on why she's so passionate about this product, and she got funded.

So it was so cool to see somebody that listened to Morning Coach, stay-at-home mom, actually go on Shark Tank and get funded. And I actually tell her story in my new book that's coming out next year with Hay House because I just think it's phenomenal. And it's just a point.

It's just proof that somebody--you know, business is finding a need and filling it. She found a need. She filled it. She's not killing it, but she's building a life. She's learning, and CEO of a company. You know, I just think it's awesome. Yeah, and in today's world, I agree with you as far as the opportunity that's out there.

I don't think it's ever been easier for people who have an idea and see a need to take that forward. Whether or not you can take it all away, there's a big difference between starting and selling one unit versus selling a billion units. You may not become a billionaire off of your idea, but you can at least move it forward.

And it's never been easier in the history of the world to move business ideas forward and solve the needs that society has. Three to ten grand a month, I mean, it creates freedom for most people, you know? And if you're doing what you love every day, you don't work a day in your life, and it's the truth.

So, you know, try to figure that out. And you know what? If it takes you ten years to get to that point, was it worth it? You know, the towers were hit 14 years ago. What could people have done in that time that could have changed their life to be making three, five, ten thousand dollars a month doing what they love?

That's my dream. It's just what I do. You can tell I'm passionate about it because there's nothing I like to see better than when I see people take hold of that dream and they go out there and make it happen. And they fall down and get beat up and lose and get back up again.

I just absolutely love it. - I know I spent a lot of years consuming inspiration, encouragement, motivation, and really being fired up about the idea of going out and getting my dreams and fulfilling my passion. And then I would sit down and say, "Well, wait a second. "I'm not sure what it is.

"I don't know what my passion is. "I don't know what that business idea is." And I spent years kind of looking for it. I know a lot of my listeners are in a similar position based upon some of the emails that I get. What advice do you give to somebody in that situation?

- I would say, it's funny, I just did an e-book called Seven Days of Finding Your Passion. We're gonna do some Facebook ads to a conversion funnel to help people with this. But I think Steve Jobs, who I think wasn't the nicest person in the world, but he said it best in his Stanford speech that death is a great motivator.

And I'm a positive guy, but sometimes you gotta embrace the dark side. You're not gonna be here. There's a video on YouTube that's viral about jelly beans and how many moments you're gonna have in your life. I think you gotta look at your funeral. And you gotta step back and see yourself.

This is a great spiritual exercise, by the way, too. But see yourself and look back at your accomplishments and the things that you did. That's one thing. And as you look at that, you're gonna have some discoveries there. The other thing that I always suggest to people that are stuck with their passion is to go back to their childhood.

If you come into my office, I have an X2 robot, 2XL, from my childhood. I used to play 8-track tapes. I have that. I put 'em in all the time. I have a big Centurion helmet. I got a big thing cut out of Groot behind me. I have an Excalibur poster.

I have Dungeons and Dragons books. I have comic books. All this stuff from my childhood I surround myself with. And I actually go to eBay when I'm struggling, and I'll buy a toy from my childhood. And it just brings back the passion and the youthful energy. And I think those two things, envision your funeral, if you wanna get a little bit morbid and your left brain serious type, or if you're a little more right-brained and creative, then go back to your childhood.

Buy those toys. Fill your office with them and allow that creativity to flow, and you'll find your passion. It's there. And I think, really, the childhood one really works well for a lot of people because that's where it all began, right? And that energy's there. - You're pretty hardcore on entrepreneurship.

Do you think that you have to be an entrepreneur to be free? - Absolutely not. I think there's a lot, you know, one of my big group in Morning Coach that I love is HR. You know, they take care of the people at the jobs. And I think you could be free if you love your job.

There's so many great doctors. There's so many nurses. There's janitors. There's nothing, I mean, I don't care what I'm doing. You know, I have a house in Bogota, South America. And one of the reasons I love to go to Columbia so much is those people down there are passionate about everything they do.

You know, we have people come clean the house. They're passionate. They want to do the best job. The people want to cook. They want to be the best cooks. No, you don't have to be an entrepreneur. I love being an entrepreneur and that's what we're talking about 'cause we're talking a little bit about finance.

But there's nothing wrong with growing up through a company and being able to shape the culture and be somebody that gets in there and really cares. And I tell you what, if you take that attitude, a little bit entrepreneurial, but if you take that attitude that I'm gonna come here and I'm gonna do my best to make this place great, you're gonna move right up the chain and you're gonna never have to worry about financial matters.

You're just gonna have to, you know, your time's gonna be off. But you'll get there someday where you have four weeks vacation and if you love what you do, hey, go in there and make a difference. So no, I love people that are in careers as long as they're in careers that they love to do.

- The self-help section at the bookstore, at least my bookstore, is massive and it's packed. It's wall to wall. And it's even bigger on the internet. All the time I'm finding a new YouTube channel with another self-success guru. I'm finding another website from somebody who's decided to set up a coaching business.

There's a lot of voices out there. How do you differentiate between the good ones that can be useful and helpful and the ones who may be leading you down a path that might not have a lot of success in it? - You know what? There's a lot of great stuff in everything.

Even the garbage I've bought over the years. You know, I always have a percentage that goes to my education budget. You even learn the stuff you shouldn't do. But at the end of the day, it's pretty simple. It's follow people that are doing what you want to do. And get coaching from people that are doing things that you want to do.

It's that simple. If you want lifestyle, I'm the perfect guy. I mean, that's what I live. If a speaker or a teacher or an educator isn't willing to let you look into their life, there's an issue there. They have to be congruent with what they're teaching. And I think that's where Facebook and Twitter and all those areas, if you're a teacher, you gotta be out there.

You can't, you know, I've met so many of these people that have never read their own books. You know, it's like, God, really? Really? And as I get deeper and deeper into the business, it's shocking to me. It's like, didn't you read your book? You know, but I'll be fully transparent.

There's days on my golf course, you know, like today, I had a horrible day. I was angry, I was frustrated. And you know, I wear three snappable rubber bands and I wasn't snapping them. And I knew I should have, you know. I use essential oils to keep myself positive.

I smell peppermint, you know, those type of things. And I wasn't congruent with my message today. We all fall down, even the best teachers. But at the end of the day, you know, you gotta dig into the people, do your research. You know, if you're a social media expert and you have 500 people on Twitter and 1,000 Facebook likes, how the heck are you a social media expert?

Right? - Right. - You know, I mean, it's just doing a little due diligence and digging in to find out who the people really are. If you're a relationship expert and you've had three divorces and you're trying to teach people about marriage, I don't think there's congruency there. Unless you're very honest and very transparent that I've had three divorces and I could take you through that.

So I think it's really important that people do their due diligence and learn about the people and who they are. It's critical. And then, obviously, the big one is get, you know, recommendations from other people. And that's why I built Morning Coach as a community more than anything else is because I want a group of people together.

I got tired of friends that didn't believe in me and people that just didn't have the right attitude. And this isn't some cheesy positive thing, like, "Oh, stay positive, read affirmations every day." It's just real people that are cool, that are trying to get ahead. And that's what I try to put together.

Because I've been a product of all the books and tapes. They were tapes and then CDs, and now MP3s that I've read. And I don't think you can not get away, you know, you can take something away from everything. But, yeah, you gotta be a little cautious. And if you see a book or something, you want to read or resource, do some due diligence, find out the person, read their backstory.

And if you can't, run away, because they're hiding something. - There's probably a business for a success coach who simply says, "I'm just gonna tell you "about all my failures." Jim Rohn used to have a few lines about that, about how fascinating it would be to study somebody who would just open up about all their failures.

He could have learned what not to do. I've never heard the person actually proclaim that, but I guess if somebody had been through five divorces, they could build a business and a career. Just simply saying, "I have no idea how to run a marriage, "but let me tell you about the problems I've had, "and maybe you can spot some mistakes that you're making." - Yeah, exactly, exactly.

Yeah, and I would love that. I would love that. I mean, I don't like to speak in your coaching industry. I'll just put it out there. I just am not a big fan of it. I just see a lot of desperation in it. I see a lot of people just using it for an egoic basis and not really wanting to help people.

Honestly, I got to build a business too, but at the end of the day, you got to care about your people. We always go back to that. We're getting big. Things are starting to really move for us. We always say the last person in is the most important. Our events are getting bigger.

Everything for us is growing, my inner circle, my mastermind groups. I just care about people, and I believe that's why we're growing. I think that's why some people struggle as coaches and as speakers, because I was that guy. I put the suit on. I just expected everybody to buy my book.

My book was horrible. It wasn't edited properly. I just said, "I'll just sell people," because that's what I was good at for years. It wasn't until I got truly authentic, and then I started to really care about people, truly care, not just BS, "I need your money." That's when things started to really flip for my business.

Now I got a whole team that does the same thing, and we're building this culture of really believing in people and helping them go. I really, really suggest people do due diligence on who they listen to. There's great teachers. I wouldn't be where I'm at today without my teachers, but there's some bad ones out there too.

You're 100% right. - You talked about investing a percentage of your income back into your education, and my mentors convinced me of the value of that in years past. Take me back over about the last 20 years, before Morning Coach and since then, and talk about some of the ways that you've invested in yourself and what has had the highest return and what perhaps didn't have a very high return for you.

- I'm a product of what I've read and been to and watched. I try to read three books a week. I've done that for as long as I can remember, even when I was poorer than poor, and I had to go to Bookman's Bookstore in Tucson, Arizona, and trade my books back in.

Literally, I was running a health club, running on 20, 30 bucks a week to eat and get my books. I just read everything. I mean, I just constantly, I still do. I listen to a lot of audio books. Right now, it's usually two books I read and one audio book, but I try to get through three books a week, which is kind of insane.

I listen to audio books on two times speed when I walk the dog in the morning. Got a system down for that. Events, I think, are invaluable. I don't like to travel. I absolutely hate networking. I think if there is a hell somewhere and I go to hell, I will be sent to a networking event.

I can't stand it. - I'm with you on that one. - Yeah, it sucks, but there's just something about networking that's really good. I'm not networking, but events that are just amazing. I joined Jeff Walker's Mastermind, who's very successful, in Product Launch Formula a couple years ago. I didn't believe in those groups.

I just didn't think I needed them, and boy, has that changed my life. But events are very important. Masterminding with other like-minded people who have skin in the game. I'm paying $30,000 plus a year to be in Jeff's group, so when I sit down at that meeting, we know people have skin in the game.

You're not going to pay that kind of money. Most really good masterminds are $20,000 plus. If you're spending that kind of money, you're going to sit next to somebody that's also committed. So those type of groups are great. Events have been great throughout my life. When I was broke and I couldn't obviously do a mastermind, then I would go to events, 97th, 297th.

Whenever I could get, I would go to an event, which are very important. Then I get audiobooks. I mentioned it, but I listen to Stephen King on writing at least once a month, and I'm getting taught how to write by Stephen King. It's the best time to be alive.

Come on, give me a break. Stephen King is teaching me how to write for a $9.99 audiobook. Where else are you going to get that? In my mind, that's one of the... When people tell me I don't read, I just think, "Huh? Are you stupid?" And you are, because you've got the greatest people in any industry, in any part of society, any historical period, that have sat down and synthesized decades of experience into something that in 5, 10, 15, 20 hours, you can absorb decades of experience of this person.

And that's sitting there and you don't pursue it. You'd only stand on the shoulders of giants if you actually climb up their backs. It's not some kind of automatic thing that somehow because you magically are alive in 2015 that you can absorb the wisdom of the universe through osmosis.

You've got to sit down and educate yourself. And an audiobook is the best way to do that. 100%. I'm a C student through college, all the way through, until I get to my upper grades. Then I actually did good because I actually applied myself, but most of the time I was bored as hell in those other classes.

And so I still have trouble adding up my golf score at the end of the day. But the thing that I do have is tons of knowledge about reading and I just think everybody should do that. It's why I'm here today. I wouldn't be here if it wasn't for the reading.

- You built a business, and this is the final area I want to explore with you, you built a business Morning Coach, and this was based, as far as at least your initial approach, was based upon the concept of a daily coaching discussion. Was that a unique concept at the time?

- Yes, I mean it was very unique. In our space, nobody had ever done it, and really nobody really ever still has. Personal development every single day, creating a system, because one of the issues I had, I'll just tell you quickly, the history of Morning Coach, I was going to get 52 different speakers and have them do it.

I wasn't going to do it myself. I was going to get 52 speakers and then join the National Speaker's Association, and I just couldn't find speakers I wanted. I just couldn't find people that were in alignment with my methods, so I decided to do it. Because the issue, what happened with me as a reader, is that I would read Tony's book, then Zig's book, then Covey's book, and I would start to apply these things, but I didn't even recognize I was confusing myself subconsciously.

So where Morning Coach really started is when I started to try to find speakers to give me something every day, because I was running on that content, even with the books, and I wanted something consistent. So when I started to do that is when my life started to change.

It started to move in another direction. And so that system came to be that, hey, you can read everything. You can get all the information from all the different teachers, but get something consistently and concurrently on a daily basis. And all the great teachers have always said that. Do 30 minutes of positive personal development every day.

But the issue is when you're reading Jim Rohn and Stephen Covey and Zig Ziglar and Tony Robbins, you're getting different philosophies every day, and if you don't have some glue to hold that together, it really can get frustrating, because subconsciously you're setting goals one way, and the next day you're doing something else.

It's different to get inspiration. It's another thing to have a systematic system in place of your growth, because you're switching systems all the time. So that's where Morning Coach came from. It's like, man, I need a system. I need something that I can do every day that's going to be in alignment.

So if I get an idea from Zig, it's not throwing something into the-- throwing a problem out there because I didn't realize it, because all of a sudden I'm reading another system on goal setting. It's a totally different one than I read yesterday. So that's the whole reason that Morning Coach came through, was there was this need for something in the morning to really help people get a consistent system as they read their books, as they went to events, as they did everything else, not burn out from going to see Tony.

They're all excited. They come back, and two weeks later, they're back into their regular life, but to have something that they could plug into that was going to be consistent and similar in scope over the whole period. So what is the organizing framework, though? Is it a unique system that you created, or is it just the fact that you have one specific actionable principle each day?

No, it's pretty much the system that I've created from over the years. One of the big philosophies you have is the Sacred Six philosophy, which is the actual book coming out from Hay House. We have a lot of metaphysical aspects to it. We have Financial Fridays where we kind of go over prosperity, consciousness, and things there.

So there's a lot of structure. Mondays we organize. Tuesdays we do personal evolution, personal development. Wednesdays is a metaphysical spiritual day. Thursday is a book study. We do people's various books, and then Friday is prosperity and abundance. So we have a structure that we're always constantly working. And the idea is to focus on 1% improvement.

That's it. 1% improvement. And people that plug into the system get really great results because it's a simple system yet effective because it's consistent. It's every day. And I don't care if it was me or somebody else. We did some growth work every single day, whether you're listening to me or somebody else.

It's going to work. You just got to give it time, be patient, and commit to it. Yeah, that's been my experience. And last question on this, and then we'll just talk about morning coach. Last question. How do you balance the tension between learning more and applying more? You know, again, it goes back to my Sacred Six philosophy.

So with the Sacred Six, we do not do more than six activities at any one time. So if you've got six projects, you can't add anything else to it. So you can learn more, but you can't add anything to it. So like my team, we have six things that are going, and we have a list, you never know, of so many things that are million-dollar ideas, but we can't touch them because we're not ready.

And I think the biggest issue with most people is they run around doing too many things. So the first thing they have to do is get one thing going. So it's like one stream of revenue or learn Spanish or something, right? So they have one thing, and then they can start to move into more things.

But, you know, in all the research I've done, and that's why we're writing the book on this, you can't have too many things going on. Essentialism, one another book that's come out that's really big. People are so scattered, and really the problem is it's not time management anymore. It's not balance.

It's focus. And it's really learning about focus management. I always say time management is so '80s, right? It's like nobody should be teaching time management anymore. I mean, I literally have one, two, three, the MacBook just came in, four, five, Apple Watch. I mean, I have six devices right now.

I'm probably getting bombarded by radiation. iPhone 6 Plus, a Mac Pro, a Mac Air, a new MacBook, and an Apple Watch on. You know, all this is around me, an iPad. I mean, it's ridiculous. And then when I look at my screen, you know, we're doing this as a recording, and we're talking to each other.

I've got Skype going. I've got my chat going. I've got HipChat going. This is all in my environment, just by looking around. You know, so, I mean, the stress comes from lack of focus. You know, and it's Stephen Pressfield, who I love. A friend, Pressfield's awesome, and everybody should read The War of Art.

Those are things that just add to the resistance of not doing things. You just got to get focused in on a few things that you're going to do, a few actionable items every day. Stick with it. And, you know, what you'll find, what will happen is you'll start on plan A, and you'll have this dream, and you'll start moving it, and it won't work.

So you go to plan B, and it won't work. I'll tell you this. You'll be lucky if it works on A or B. You'll go to C, then D happens, then E, then F. Then, you know, I think morning coaches like T. That's where we're at. And, hey, it worked.

Oh, my gosh, it's working. You know, it's like a par on the golf course or a birdie. Wow, we hit one. And that's the way it is. And if you get the right support structure around you, you'll eventually get there. I made myself a rule that helped me back to that focus management.

I realized that my skills of focus had significantly atrophied through the last few years with the Internet age. There's always something going on. And I realized that I wasn't simply able to process information in a linear format as well as I used to. So I bought a printer, and I made myself a promise.

If there's something worth reading, I'm going to print it out, put it on my desk, and turn off the computer and sit and read it by hand with a pen and a highlighter in my hand. That's helped immeasurably because no matter how awesome Instapaper is and no matter how great reading it on the devices is, there's so many distractions there.

And even though I have most of them turned off, everything just turns into a rabbit trail. And that's been hugely helpful to me to rebuild my skills and my muscles of focus. Well, we're finding not only that in our research, that the narrow connection between writing and reading off the computer is actually very strong.

So much so I'm doing a lot of research with a dip pen. Kate was in Italy and brought me a dip pen back, and I'm journaling with a dip pen. I'm going really old school. A fountain pen with a dip, you dip in the ink. Think Ben Franklin. And there's just a connection there.

I actually use a pencil, a number two pencil a lot of times. I have a writing coach that helped me with this because I was struggling. So a lot of my writing will start with a number two pencil and a yellow pad and then move to the computer because there's a narrow connection between those two.

And yeah, we're moving more and more to computers, but I think we're finding people actually moving more offline. And I'm actually building a journal that's a paper journal based on the Sacred Six program. We're going to build the technology, but we're also building a journal system that's paper and pen.

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. But that doesn't take me away from I just got the new 12-inch MacBook. I got it here on my desk that I can carry everywhere in the world and type my notes in.

But there's still something about being able to write things out that make a big difference. Yeah, the integration of the two is probably the ultimate. That's what's key. Yeah, I mean, I got an Apple Watch on right now, into the phone, into the Evernotes. I'm using Dropbox now. I just absolutely love Dropbox because I can see things through.

I use Scrivener for my writing. I mean, I absolutely love it. I'm a nerd. I love the computer. I love the ability to systemize and organize. That's why I can play golf every day. But at the end of the day, when I sit down and I got to be creative and really connect, like something as personal as journaling or something as personal as setting up my day and what I need to do, I like to write that down.

I don't like a program to send that out to me. 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. Yeah, Morning Coach is cool. It's very laid back. We do charge because that's our business. I think we're one of the few people that charge for a daily podcast is what it is.

We call it a coach cast, but it's 20 bucks a month. We do seven days free. We've got this wonderful community of people all over. Just go to MorningCoach.com. It's a really great group of people, and we're just working to help each other. That's what we do. We do two events a year.

We do a motivational event in February called Awaken My Life, which is really cool, and we have a lot of people come to that. In October, we have another one called Lifestyle Design Summit, all based on lifestyle design. That's coming up on the 16th and 17th of October at Fort Lauderdale Convention Center.

It's a cool environment. Anyone who wants to go to that, LifestyleDesignSummit.com. That's it. We're pretty chill. Find out about me, Glossinger.com. I keep some information up there on things that are going on, my golf game and life. People want to find out more about me, that's a good place to look us up.

Thanks for coming on, man. I appreciate it. No problem, brother. Glad to be here. Just keep doing what you're doing. We need more people out there like you. Hope you enjoyed that as much as I did. Always something that you can learn from somebody who's a morning coach. The story, just as we close, I just want to emphasize his story about the lady listening in the closet.

You never know the impact that you can have on somebody else, and it's truly incredible. We really do live in an amazing, amazing time. Take some of the ideas and concepts that JB has, apply them to your own life. It's a good promo for entrepreneurship like we've talked a lot about.

You can just see the benefits of entrepreneurship from JB's story. Obviously, not easy, but it might be worth it for you. Check out some of his links. Check out themorningcoach.com. Also, let's see, lifestyledesignsummit.com. I don't have any kind of an affiliate link for that or anything, so just go to lifestyledesignsummit.com and check that out.

I actually will be going to that. 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. 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.

Thank you, JB, so much for coming on. I really appreciate it. And thank you all so much for listening. 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. Details of that are at radicalpersonalfinance.com/patron. The way that works is the show is directly supported by you, the listener.

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