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[Music]
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tool welcome to the best interest
00:01:18
podcast hosted by Jesse Kramer where we
00:01:20
discuss today's best ideas in personal
00:01:22
finance and investing the best interest
00:01:25
is a personal podcast meant for
00:01:27
entertainment purposes only it should
00:01:29
not be taken as Financial advice and is
00:01:31
not prescriptive of your financial
00:01:33
situation here's your host Jesse
00:01:37
Kramer hey guys what is up welcome to
00:01:40
episode 24 of the best interest podcast
00:01:43
I am Jesse Kramer today's guest is an
00:01:46
interesting guy because up until a month
00:01:48
ago he was a public school teacher but
00:01:50
he retired from that job and in his 40s
00:01:53
no less because he's found a new Niche
00:01:56
online content creation and the peculiar
00:01:59
thing is his online presence is an
00:02:01
anonymous persona for his own privacy
00:02:03
sake he doesn't disclose his identity in
00:02:06
public it's pretty interesting and now
00:02:08
I've had offline conversations with him
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he's very real and the material he
00:02:12
discusses is also very real he's not
00:02:15
catfishing us trust me on that I really
00:02:18
enjoyed this conversation as we dipped
00:02:20
and dived our way from public education
00:02:23
to financial education to retiring early
00:02:26
we even touched on classical music and
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so many things in between so I hope you
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all
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[Music]
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[Music]
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enjoy my guest today is an entrepreneur
00:02:45
and social media Maven who goes by the
00:02:47
moniker the art of purpose or aop he has
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a one-of-a-kind social brand combining
00:02:53
py comments with images of classical art
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and he's turned that brand into a small
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business where he guides others through
00:02:59
through the often confusing landscape of
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growing an online social media presence
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of course some of those pippy comments
00:03:06
have to deal with personal finance and
00:03:08
investing and we'll be sure to get into
00:03:09
those ideas today too so aop how are you
00:03:13
doing tonight I'm doing great I'm gonna
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need to look up some of those words that
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you were just saying right now but I am
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doing fantastic yeah I oh my God I hope
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that's a compliment thanks for having me
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on tonight thank for having me on you're
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welcome thank you for being here it's a
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great compliment especially when it
00:03:31
comes to Twitter it means you know sharp
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succinct to the point edgy catches the
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audience it's a great it's a great word
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that I think describes your content
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really well um
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app I was hoping you wouldn't mind
00:03:43
starting with giving us a little bit of
00:03:45
your your life's elevator story or at
00:03:48
least maybe talking about some of the
00:03:49
recent few years of where you've been
00:03:51
building this business aop and where you
00:03:54
came from how you got to where you are
00:03:55
now and really what you see for the next
00:03:58
few years well I really haven't been
00:04:00
building the Twitter business very long
00:04:03
maybe like 12 14 months at the most and
00:04:08
if we go back just a little bit
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beforehand I'm basically a exire guy who
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got really into the whole fire movement
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about
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2012 and then from there Deep dive into
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like how to invest properly all of the
00:04:27
you know the great uh you know
00:04:29
conservative Investments that the fire
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movement talks about and proclaims and
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then I started to begin to do some side
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hustles where I then learned about
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investing and then I had a problem of
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you know almost like doing too well you
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know my wife and I got really into
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saving and
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investing and when covid hit it kind of
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was like a lot of things converging on
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at once which I'm sure a lot of people
00:04:59
had that same feeling as well but when
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covid hit I've been a public school
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teacher for close to 20 years and I just
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left the classroom because I started a
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Twitter account back in May where I
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started to talk about personal finance
00:05:14
but really I talk about whatever I want
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these days and through that it was able
00:05:20
to generate enough income to surpass my
00:05:25
teacher salary and and even more that so
00:05:27
that I walked out of the classroom
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actually literally just a few weeks ago
00:05:31
in
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June so we're GNA come I've got like
00:05:36
five questions already lined up for you
00:05:38
on that that's it all right so so you
00:05:39
started the quarter account you said
00:05:41
back in May but that's that's May 2020
00:05:43
right so that's where that 14mth
00:05:44
timeline comes in pretty much I've been
00:05:47
at this for 14 months that's correct
00:05:49
gotta okay um so you started as a fire
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guy so for those who don't know I assume
00:05:54
you mean Financial Independence early
00:05:57
retirement is that correct re retire
00:05:59
early yesti early so yeah um you know
00:06:02
the fire movement and this is how I got
00:06:05
started it's like Mr Money Mustache and
00:06:10
all guys one day I was just browsing the
00:06:13
web and I came across a few of these
00:06:15
Financial blockers back in 2012 and I
00:06:18
started learning about because I I
00:06:20
started to get in I had a net worth of
00:06:21
zero all right and I woke up one day and
00:06:25
was literally like I am tired of being
00:06:27
broke I want to start beginning some
00:06:30
Journey towards something I want to
00:06:32
start building and investing so I I came
00:06:34
across Mr Money Mustache and those fire
00:06:37
guys and sat down one weekend and
00:06:40
completely educated myself on how uh how
00:06:45
index funds work how ETFs work how
00:06:48
mutual funds work and 401ks all of those
00:06:51
things and it was kind of like an eye
00:06:53
openening thing to me because I came
00:06:54
from a background of that's very blue uh
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blue collar didn't really care about any
00:06:58
of those things didn't really care about
00:07:00
stocks or
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Investments and sat down one week and
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just completely deep dived researched
00:07:05
everything about it and started my
00:07:08
journey really that next Monday that
00:07:11
that came up I started I opened up a
00:07:12
Vanguard account and started to begin to
00:07:17
take money and begin to save it for the
00:07:22
future and those were good times like
00:07:25
you know those Investments did very well
00:07:26
I mean you can see how the stock
00:07:27
market's done in the past eight nine
00:07:29
years years obviously and it became a
00:07:32
little bit of a game for me me and my
00:07:34
wife just got so into it it's like well
00:07:36
if we cut our expenses down and since
00:07:39
we're both teachers we had options to
00:07:41
invest in our 403b and 457 at the same
00:07:44
time right little known fact is that you
00:07:47
actually get double the limits when
00:07:49
you're a government employee so we were
00:07:51
basically legally paying 0% in taxes for
00:07:55
years while building our accounts and I
00:07:59
know some people might be like whoa
00:08:00
that's pretty terrible but you know if
00:08:03
you have if you're if you're you and
00:08:05
your wife are both teachers you have
00:08:06
403b 457 and Ira options you can pretty
00:08:10
much get you know 72 75,000 a year
00:08:14
sheltered away taxfree because you're
00:08:17
basically you know you're you're you're
00:08:20
um kind of finagling the money to make
00:08:22
it look like your gross income is a lot
00:08:24
lower and that's what we did right right
00:08:26
and and there's nothing I mean the tax
00:08:28
law is written for people to do that
00:08:31
there's nothing wrong with doing that um
00:08:34
you guys will end up paying some taxes
00:08:37
on that when you're 59 and a half or
00:08:39
older and you end up withdrawing that
00:08:40
money right you get right yeah but well
00:08:43
not really because a 4507 since I just
00:08:46
left my job you can withdraw that
00:08:48
penalty free at any age okay so that's a
00:08:51
little known fact there's a there's 457s
00:08:55
there's no penalties on 457s now yes you
00:08:57
do have to pay taxes but but you're in
00:09:00
control with the amount of money that
00:09:01
you can you can it's a lot you know if
00:09:04
you need a certain amount you can
00:09:06
withdraw and and you can keep yourself
00:09:08
in a certain bracket if you'd like yeah
00:09:10
that makes sense by cutting expenses
00:09:12
right yep yep exactly exactly and so
00:09:14
it's parallel in some ways to maybe the
00:09:16
401ks or the IRAs that some of the
00:09:18
listeners might be more familiar with if
00:09:20
they aren't public employees where a
00:09:23
403b is a 401k pretty much exactly a 457
00:09:28
is another type of fund that allows you
00:09:32
to withdraw when you leave your job you
00:09:35
don't have to wait until you're 59 and a
00:09:36
half and only certain government
00:09:39
employees have access to these 457s and
00:09:42
they're B if you if you have a job that
00:09:44
has a 457 it's from right then and there
00:09:47
it's one of the best benefits that you
00:09:48
can have especially if you ever want to
00:09:51
leave and become an entrepreneur in the
00:09:53
future right that's very nice that's
00:09:55
very nice it's for emergency fund really
00:09:57
yeah yeah that's amazing can I can I ask
00:09:59
you though if you you left teaching now
00:10:02
it's you retired just now in June uh my
00:10:05
assumption is and correct me if I'm
00:10:07
wrong that you probably aren't at full
00:10:09
pension but I'm just wondering does your
00:10:12
state where you were teaching do they
00:10:13
offer pensions and how far along in that
00:10:15
pension are you and what exactly are you
00:10:18
giving up by by retiring early from your
00:10:21
teaching job okay this is a great
00:10:23
question because I get a lot of hate on
00:10:25
the timeline because I'm a former
00:10:26
teacher they must think I'm like out
00:10:28
there and
00:10:29
I'm not like that anyway so um as far as
00:10:33
the pension goes I can get my pension
00:10:36
but I must wait until I'm 65 okay these
00:10:40
are the rules for when I signed up it
00:10:41
changed like depends on when you became
00:10:43
a teacher but when I'm 65 I can get my
00:10:46
pension now check this out Texas I
00:10:49
cannot get any money from Social
00:10:51
Security if I get my pension now okay so
00:10:54
huh there's a there's a weird rule in
00:10:57
Tex like a Texas teachers don't pay into
00:10:59
Social Security it's a little known fact
00:11:01
all right so okay they so if you collect
00:11:04
your pension you can't get Social
00:11:07
Security so what probably is gonna
00:11:11
happen for me is I'm gonna take the
00:11:13
money from my pension and roll it into
00:11:14
my 43b and just let it hang out and do
00:11:18
its thing and then be able to collect
00:11:20
Social Security later on in life I'm G
00:11:22
to be at the stage where I hopefully
00:11:23
don't even really care about social
00:11:25
security anyway so um I'm not saying
00:11:29
that like in a bragging way I'm just
00:11:30
saying like you know Social Security is
00:11:32
for emergencies really in my opinion
00:11:35
yeah agreed and my personal retirement
00:11:38
planning stance and I'm only 31 I've got
00:11:40
a lot of uh years ahead of me and maybe
00:11:43
I'm a young buck and I'm I'm taking
00:11:45
certain things for granted but I'm not
00:11:48
counting on Social Security in my plans
00:11:50
I do think it will be there I think some
00:11:52
people right now might be predicting
00:11:54
that Social Security is going to dry up
00:11:56
by the time we're retired I don't think
00:11:58
our legislators can afford to make that
00:12:01
happen it I think Social Security will
00:12:03
still be around it'll just be in a
00:12:05
slightly different form than it is right
00:12:06
now and that said I'm going to what do
00:12:10
they say uh hope for the best plan for
00:12:13
the worst I'm planning for the idea that
00:12:17
it might not be around and I'll still be
00:12:19
okay I'm relying on myself for that it
00:12:21
sounds like you're doing something
00:12:22
similar absolutely I think that's the
00:12:25
wise way to approach it if it's there
00:12:27
that's excellent if it's not well then I
00:12:29
have other stuff going on yeah yeah
00:12:31
exactly no that's perfect um aop I know
00:12:34
some people right now they're probably
00:12:36
asking they're probably screaming into
00:12:38
the speakers wondering why I haven't
00:12:39
asked this earlier because you were a
00:12:41
teacher you've been a teacher for 20
00:12:43
years you start a Twitter account last
00:12:46
May of
00:12:47
2020 and in the next 14 months you grow
00:12:50
a Twitter account not only do you gain
00:12:53
followers but somehow you've monetized
00:12:56
this Twitter account to the point where
00:12:58
it's actually replacing your teachers
00:13:01
income so can you talk us through a
00:13:03
little bit about what what exactly maybe
00:13:04
the business model is and where the
00:13:06
income is coming from and and how that
00:13:08
all works all right so a lot of people
00:13:11
don't realize there are many different
00:13:12
ways to make money you know on Twitter
00:13:16
itself and Twitter is I guess what we're
00:13:18
talking about right now specifically so
00:13:20
let me hone in on some of the ways that
00:13:22
you can make money from a Twitter
00:13:24
account one is you could sell Services
00:13:27
while you're online online so maybe you
00:13:30
can help write emails email workflows
00:13:33
maybe you write landing page maybe you
00:13:36
create landing pages maybe you create
00:13:37
websites for other entrepreneurs maybe
00:13:39
you create Twitter banners you provide
00:13:42
services in some way okay you have some
00:13:45
kind of offer you sell it it's a nice
00:13:47
little side hustle that you can do if
00:13:48
you're just starting and you wanted to
00:13:50
get things going the other way that you
00:13:52
can do it is by actually selling courses
00:13:54
so maybe if you have some kind of
00:13:55
financial background maybe you can write
00:13:57
a guide of budgeting you can sell it
00:13:59
online you know maybe sell it for five T
00:14:01
bucks or Millennial money woman just
00:14:04
came out with a book right which is
00:14:06
phenomenal and I believe it's something
00:14:08
like $20 you can sell those it's another
00:14:10
stream of income that's coming in I sold
00:14:12
the course create 247 which sold over
00:14:15
1,000 copies and had is done very well
00:14:20
it's one of the top courses on Gum Road
00:14:23
and so you can sell a course the other
00:14:26
way that you can use Twitter is a way is
00:14:29
it's kind of like a funnel it's going to
00:14:30
drive traffic to another website so
00:14:32
let's say that you're a blogger right
00:14:34
you can use Twitter as a way to bring
00:14:36
awareness to your websites and then when
00:14:38
they come to your website you're going
00:14:40
to collect ad Revenue you're going to
00:14:41
sell affiliate products you know
00:14:43
products that you love and you're going
00:14:45
to use your Twitter account to help
00:14:47
bring traffic as your blogger podcast
00:14:49
whatever kind of like the way that you
00:14:50
do it right and then another way that
00:14:53
you can do it is um you can sell
00:14:56
Consulting Services I know a few guys on
00:14:58
Twitter who are very financially Savvy
00:15:01
that put together
00:15:02
offers where you know they help people
00:15:06
take control of their finances they
00:15:08
consult or their mindset people and they
00:15:10
help coaching with mindset or dating or
00:15:13
whatever so there's a it's not what I do
00:15:15
but you can put together offers and be a
00:15:17
consultant or five another way of doing
00:15:20
it is through actual promotion of the
00:15:22
web of your Twitter account Itself by
00:15:25
helping other people build and help them
00:15:28
grow their accounts you have clients
00:15:30
that are like hey I want to you know do
00:15:32
this stuff so you're helping them grow
00:15:34
you can promote other accounts or even
00:15:37
advertisements kind of like on your
00:15:38
Twitter page there's actual websites
00:15:40
that are out there that will help you
00:15:42
like if you have a big enough account
00:15:44
they'll it's kind of like an agency I
00:15:46
guess that will help you find and get
00:15:49
other you know and and you can monetize
00:15:52
your account by helping promote products
00:15:54
or uh other accounts to grow themselves
00:15:57
right right so all if I combine kind of
00:16:00
all those uh points you just made my
00:16:04
inclination and at least the way I
00:16:06
thought about Twitter say a year ago a
00:16:08
year and a half ago I thought Twitter
00:16:10
was a collection of celebrities and
00:16:13
athletes and musicians and a bunch of
00:16:15
normal people and the normal people They
00:16:18
follow the celebrities they catch up on
00:16:20
whatever the celebrities are doing maybe
00:16:22
normal people follow news organizations
00:16:24
or their favorite sports teams okay you
00:16:26
follow along with what your favorite
00:16:27
sports team is doing but what you've
00:16:29
just presented and what maybe a lot of
00:16:32
listeners don't realize is that there
00:16:33
are people who are essentially running
00:16:35
businesses on Twitter and there's this
00:16:37
whole business ecosystem on Twitter so
00:16:40
some people they want to make their
00:16:42
Twitter account bigger for the sake of
00:16:44
their business how do they make their
00:16:46
Twitter account bigger well they might
00:16:48
come to you art of purpose because
00:16:51
you've got a course you've got a book on
00:16:54
how to make your Twitter account bigger
00:16:55
how to write tweets how to engage with
00:16:57
people those kind of things it's a whole
00:16:59
business ecosystem out
00:17:01
there yes we help bring awareness to
00:17:04
what the potential and the possibilities
00:17:06
are on
00:17:07
Twitter and a few things you mentioned I
00:17:09
just thought I'd point out to listeners
00:17:11
so you mentioned uh the millennial money
00:17:13
woman Fiona just wrote a book and she
00:17:15
was on the podcast I think she was on
00:17:17
episode 13 but if anyone's interested in
00:17:20
hearing Fiona speak she's an amazing
00:17:22
speaker with a great message on personal
00:17:24
finance and investing and she was here
00:17:26
on the best interest podcast and you
00:17:28
also mentioned one thing that I thought
00:17:29
I would Define you you talked about Gum
00:17:31
Road which has been brought up once or
00:17:34
twice here on the podcast before but my
00:17:36
understanding of gumroad is it's a a
00:17:39
website that will host your digital
00:17:41
products and it's it's really a
00:17:42
Marketplace so that people can can come
00:17:45
in and buy your digital products uh so
00:17:48
that it gives you a place to sell
00:17:50
whether it's a book or a course or a
00:17:52
membership or music does that accurately
00:17:55
capture gumroad it does and it's
00:17:59
probably the most trusted server so a
00:18:01
lot of people use it you know but you
00:18:03
can sell these products on your own
00:18:05
website if you'd like I know many people
00:18:07
so there they're really you know people
00:18:09
trust it because it hosts so many big
00:18:12
creators products but you know there's
00:18:15
nothing stopping me from putting my own
00:18:17
courses on my actually my actual own
00:18:19
website so gotcha okay I understand what
00:18:23
you mean I'll make sure to put some
00:18:25
links in the show notes uh aop for
00:18:27
anyone who's interested but that was so
00:18:29
create 247 that's the name of of your uh
00:18:33
course is that right right and then you
00:18:35
also mentioned in there I think was it
00:18:36
master class is the name of uh is that
00:18:39
more of like a ongoing educational
00:18:41
program so the course that we wrote on
00:18:45
how to grow your Twitter so here's what
00:18:47
people need to know if you want to start
00:18:49
making money online you need to start
00:18:51
growing you need to have an audience
00:18:53
that is engaged and enjoys your
00:18:56
content and the course create 247 helps
00:19:00
people tap into their creative instincts
00:19:02
and find out what kind of materials work
00:19:05
on Twitter how to come up with tweets
00:19:08
how to come up with ideas how to make
00:19:10
your tweets look how to you know give
00:19:13
you ideas for like templates that you
00:19:15
can use to use future tweets and how to
00:19:18
put all of your content out there in an
00:19:20
effective manner that's going to help
00:19:21
you build an audience and then
00:19:24
potentially you can use it to drive
00:19:26
traffic sell services or or or sell
00:19:30
products yourself in the future our
00:19:32
course got so popular right because a
00:19:35
little another known thing is that
00:19:37
Twitter is a networking right Twitter is
00:19:39
a networking platform like you know we
00:19:41
found each other on Twitter and you know
00:19:44
so many people you run into people on
00:19:45
Twitter you get to know them you make a
00:19:47
lot of friends Twitter is best when
00:19:49
you're actually networking connecting
00:19:51
with people and making connections and
00:19:53
in my course I talk about how to network
00:19:55
so in my networking modules I talk about
00:19:59
it and people were like hey you need to
00:20:01
form your own Community your own group
00:20:03
there's other communities out there but
00:20:05
we don't like them at all and we're in
00:20:07
there and you talk about how to network
00:20:09
you know how to network can you build a
00:20:11
community and for months I was like nope
00:20:15
I'm not building a community no way no
00:20:18
no way I'm just not doing it and finally
00:20:21
I caved in around March or early April
00:20:25
and said okay fine we're going to build
00:20:27
a community and now we have over 200
00:20:30
members in our Master Class Community
00:20:32
which is kind of a community based
00:20:35
around the course so if you have any
00:20:37
questions for like how do I need how do
00:20:39
I put my profile together how do I put
00:20:40
my bio together does it look good are my
00:20:43
tweets looking good I need some feedback
00:20:45
on tweets we even do ghost writing
00:20:47
sessions with professional writers where
00:20:49
you can submit drafts and we give you
00:20:51
feedback on these tweets and it's really
00:20:55
good for people to get started and
00:20:57
really great for people been around for
00:20:58
a while so you get to meet a lot of
00:21:01
people we have webinars twice a month
00:21:03
with some of the biggest names in social
00:21:06
media masterclass is literally a
00:21:09
community where we Network we meet
00:21:11
people and we all learn from each
00:21:15
other that sounds awesome so let's say
00:21:17
if I were if I were new to Twitter and I
00:21:22
wanted maybe I want to turn it into a
00:21:24
side hustle to make some extra income in
00:21:26
some little way or maybe got a small
00:21:28
business and I want to raise awareness
00:21:30
for my small business would you suggest
00:21:33
someone starts with create 247 and then
00:21:36
from there joins the master class or I'm
00:21:38
just how should someone maybe
00:21:39
differentiate between the two products
00:21:42
well really like the best way is to get
00:21:44
in master class because we give you a
00:21:45
discount to create 247 so if you come
00:21:49
into master class that's pretty good A
00:21:50
lot of people will come into master
00:21:51
class and get the course it really works
00:21:53
out but if you just want to get a taste
00:21:55
of what's going on and if you're wanting
00:21:57
and if you're starting from zero and you
00:21:59
just want to take it on on your own just
00:22:01
get the course like I it it has guides
00:22:04
in there for people who are starting
00:22:06
literally from zero followers I created
00:22:08
a brand new account just to go through
00:22:10
the motions of learning and building an
00:22:14
account from zero followers so if you're
00:22:16
brand new and you don't know where to
00:22:18
get started create 247 really is the
00:22:20
best place to start and if you want some
00:22:22
people to help you out and join a
00:22:24
community on the side if you want to get
00:22:26
in master class as well in we'd love to
00:22:29
have you there cool very cool and yes so
00:22:32
listeners I will make sure to get some
00:22:33
links from aop and put them in the show
00:22:36
notes if anyone's
00:22:38
interested uh aop let's switch back over
00:22:41
to maybe some more personal finance and
00:22:43
investing stuff because I do want to
00:22:44
pick your brain since you've really been
00:22:46
thinking about fire for you know the
00:22:48
last 10 years one thing that I'm
00:22:51
interested in is getting into schools a
00:22:54
little bit helping to teach there both
00:22:56
my parents were actually teachers
00:22:58
right but when you were a teacher what
00:23:00
did you see in terms of financial
00:23:03
education in the schools and if you
00:23:05
could what would you change about what
00:23:07
you saw there yeah I was just asked this
00:23:11
I was in another interview this morning
00:23:12
I was asked the same question okay and I
00:23:14
just think that people have just no idea
00:23:17
what's going on in the schools right now
00:23:18
this schools are an absolute mess
00:23:22
they are in such bad condition that I
00:23:26
don't even know if that you like I I get
00:23:29
it that personal finance and finance and
00:23:31
Entrepreneurship these things that
00:23:32
should be taught but schools are in such
00:23:34
a a fundamentally bad position right now
00:23:37
they can't even get the basics right
00:23:39
so that the problem with our schools and
00:23:43
public schools are really societal
00:23:45
problems that are starting at home and
00:23:48
you know that's why I had a ver a viral
00:23:50
tweet that had something like 20,000
00:23:52
likes if I had one piece of advice for
00:23:54
you it's to homeschool your kids and the
00:23:58
the public school situation right now is
00:24:00
dire um it's worse than people can
00:24:02
imagine and we need to there's the
00:24:07
problems aren't just like hey we need to
00:24:09
tweak a few classes and introduce this
00:24:11
curriculum it's far beyond
00:24:13
that so you saying it's it's just a
00:24:16
problem of now I don't want people to
00:24:19
take this the wrong way and say that I'm
00:24:21
pointing the finger at 13y olds that's
00:24:23
not my intention here no but in fact
00:24:25
it's just the opposite it's probably at
00:24:26
is it at the parents to somewhat
00:24:28
pointing at them it's a it's a societal
00:24:31
problem societal problem what what
00:24:32
you're asking for the schools is is
00:24:35
absolutely ridiculous you're asking them
00:24:37
to be the parents you're you're putting
00:24:39
in none of it is possible and the people
00:24:42
that are coming in they're coming from
00:24:43
broken families it's it's quite sad
00:24:45
what's going on in our schools right now
00:24:48
and uh it goes I just think people are
00:24:51
like I get questions like this all the
00:24:53
time aop what would be this magic pill
00:24:55
that you can give the schools and fix it
00:24:57
one tweak or there's no one tweak the
00:25:00
the the the problems with our schools
00:25:02
come from a problem in our society the
00:25:04
schools are messed up because our
00:25:05
society's messed up might not be the
00:25:08
right question for this podcast but okay
00:25:10
let's let's say you know I mean I'm
00:25:12
sorry I'm no no no no this is great this
00:25:15
is where this is where the gravy is
00:25:17
gonna be man um okay so I mean is this
00:25:20
is this is are these py comments is that
00:25:22
what you were talking what they are they
00:25:24
really are very good I you know so what
00:25:28
how could we how could we change society
00:25:30
are we talking is it a manner of I don't
00:25:32
teaching people is it personal
00:25:33
responsibility is it yes person
00:25:36
responsibility you know is is that kind
00:25:38
of what it comes down to the ability to
00:25:40
our kids having trouble sitting through
00:25:42
a 45 minute class because they're
00:25:44
staring at their phones is it are they
00:25:47
talking back to teachers and telling
00:25:48
them to go screw themselves well I don't
00:25:51
really blame the kids right right UND
00:25:53
understood yeah so the problem is is the
00:25:56
fundamental lack of responsibility taken
00:25:58
by the adults in the society yeah and I
00:26:01
talk about a lot about that on my
00:26:02
personal timeline I don't I don't know
00:26:04
what your audience how they think I
00:26:06
don't really know but I talk a lot about
00:26:09
taking your person responsibility if you
00:26:11
don't take the first step of taking resp
00:26:13
personal
00:26:14
responsibility um you're never going to
00:26:17
make it okay you're not gonna make it
00:26:20
all right if you don't feel like you
00:26:21
have complete control of your destiny
00:26:24
and your future and then you can make a
00:26:26
difference with your personal finances
00:26:27
you're you're you've basically given up
00:26:30
on life in a way and I think you have
00:26:33
just a large percentage of adults that
00:26:36
think like that like I can't turn my
00:26:37
finances around I can't do this I can't
00:26:41
I don't have control over my you know
00:26:44
life or how I feel or any of these
00:26:46
things and when they feel like they have
00:26:49
a lack of no control over their Destiny
00:26:51
they basically give up and then you have
00:26:53
b a lot of their kids coming into the
00:26:55
school and
00:26:59
they the parents aren't doing any of
00:27:01
their job at home they basically just
00:27:03
punt their duties to the teachers and it
00:27:06
just creates an environment where
00:27:08
teachers can't teachers can't do all of
00:27:10
it most of them are ill equipped in the
00:27:12
first place to be able to do something
00:27:13
like
00:27:14
that our our our society has you as far
00:27:17
as public schools
00:27:19
go if we start to fix the problems at
00:27:22
home and societal problems I think then
00:27:24
we'll see better schools right like you
00:27:26
need to go to the root cause yeah agreed
00:27:30
uh 100% agreed as I mentioned earlier
00:27:32
you know both my parents were uh Public
00:27:34
School teachers for 30 30 odd years in
00:27:38
rural rural Upstate New York where you
00:27:41
know some parts of you know some of the
00:27:43
suburbs up here are nice but they did
00:27:45
not teach in in nice suburbs by any
00:27:47
means and I think they mentioned to me a
00:27:50
couple times that over the course of
00:27:51
their careers they saw a shift and you
00:27:54
can call them Boomers you can say that
00:27:57
you know know every person as they get
00:27:58
older hearkens for the good old days but
00:28:02
if I you know throw away those comments
00:28:04
they saw a shift amongst uh uh basically
00:28:08
the way that the kids were being raised
00:28:10
and how prepared the kids came into
00:28:12
their classroom and how you know there
00:28:15
was a time when if you told the parent
00:28:18
Johnny's not doing his homework you
00:28:20
could tell that the parent was going to
00:28:22
go home and punish
00:28:24
Johnny and by the end of the career
00:28:26
their careers they were when they said
00:28:28
Johnny's not doing their homework and
00:28:29
the parent would look at my parents the
00:28:31
teachers and say well what are you going
00:28:32
to do about that my parents are saying
00:28:35
there's no account there's no who's
00:28:37
accountable right right and and at the
00:28:39
same time it's just and I wrote a long
00:28:41
thread on this about what's going on
00:28:43
into public schools it's just basically
00:28:45
a one it's like a p it's a giant pass
00:28:48
the book it's like let's just graduate
00:28:50
the kid to the next level so that we
00:28:52
don't have to so that we can just get
00:28:53
them out of our hair there's no
00:28:55
education and learning is is not
00:28:58
anywhere in the mix for what the point
00:29:00
of going to it's basically a giant
00:29:02
babysitting center right now so um you
00:29:06
know I almost feel like I teach more on
00:29:08
my timeline than I actually did as a
00:29:10
public school
00:29:12
educator do you think um so outside of
00:29:15
homeschooling I mean were there
00:29:17
schools sounds like you were a public
00:29:19
school right public school right not
00:29:21
private school you taught at a public
00:29:22
school I mean were there any other
00:29:24
whether it was private schools or I'm
00:29:25
thinking of like montauri schools were
00:29:27
there any solutions out there that you
00:29:29
saw that seemed better than at least the
00:29:31
the school that you taught at I was I I
00:29:34
was brought up in private schools my
00:29:36
life okay so I went to private
00:29:40
school and I think private schools are a
00:29:43
good option I don't think they're bad
00:29:45
you may have a good public school like
00:29:47
you may live in a community where the
00:29:49
public schools are very
00:29:50
good I don't think most people
00:29:53
do but you may live in one where the
00:29:56
public schools are good by all means if
00:29:58
you know what's going on in your schools
00:30:00
and you know what your children are
00:30:01
being taught then by then and you feel
00:30:04
comfortable with it you're probably
00:30:05
making the right decision but for most
00:30:08
people I think homeschooling is the best
00:30:11
option um homeschooling private school
00:30:15
or I think it's worth moving I think
00:30:18
it's worth moving to a a a a decent area
00:30:20
just to have access to schools that are
00:30:22
good so I mean at least around where I
00:30:26
live here in in Rochester New York now
00:30:29
it is a big pull by it I mean school
00:30:32
districts the quality of school
00:30:33
districts everybody locally knows which
00:30:37
schools are good which schools are okay
00:30:38
and which schools are bad and when
00:30:40
looking for real estate and when looking
00:30:42
at the real estate market you can tell
00:30:45
which school districts are best simply
00:30:46
because that's where the houses are most
00:30:48
expensive because those are the ones in
00:30:50
highest demand so parents around here
00:30:52
know at least and I'm sure that's true
00:30:54
of of many other places where our
00:30:56
listeners are
00:30:58
all right aop so as an entrepreneur and
00:31:00
and now that you're a business owner so
00:31:02
you're not collecting a paycheck from
00:31:03
the school now essentially you're
00:31:04
collecting your your own paycheck how
00:31:07
have your views on the world of money
00:31:09
changed you know in that in this 14
00:31:12
months well it's hard to pinpoint like
00:31:16
one particular idea but I'm more open to
00:31:20
the to the fact that there are many ways
00:31:23
to become financially independent where
00:31:26
before I used to believe that well you
00:31:29
go out you get the college degree you
00:31:31
get the nine to-5 you save be prudent
00:31:34
you'll get your rewards it's that easy
00:31:37
but I have much more of a respect for
00:31:39
all different kinds of entrepreneurs and
00:31:41
people who are pursuing the path to
00:31:43
financial Independence in many different
00:31:45
ways at the end of the day it just
00:31:47
matters that you you know raise your net
00:31:50
worth generate some cash flow and you
00:31:53
know become cognizant over how much
00:31:55
you're spending and how much you're
00:31:56
earning
00:31:57
earning right so you're saying I mean if
00:32:00
you had to go back and do it all over
00:32:01
again would you have taken the same path
00:32:04
of college education I assume master's
00:32:06
degree if you're a teacher and then and
00:32:09
then you know working that nine-to-five
00:32:11
teaching job for 20 years or if you
00:32:13
could go back do you think you would
00:32:14
have maybe taken a different a different
00:32:16
course from the get-go well knowing what
00:32:19
I know now it would be I mean it would
00:32:21
be a breeze
00:32:23
to yeah so obviously yeah so you you
00:32:26
would have gone back and you would have
00:32:27
invented Twitter if you could yeah
00:32:30
Ian I mean there I don't like playing
00:32:33
that game because life is about you know
00:32:37
it's just you know a lot of times I get
00:32:38
as would you change anything about your
00:32:40
life the answer is no but I mean you
00:32:43
know it's all about because that the
00:32:46
whole question itself is kind of it's
00:32:48
flawed it's like you know what is what
00:32:50
is really cool is getting the bumps and
00:32:52
bruises getting the scrapes and learning
00:32:54
on your own right sometimes you need to
00:32:57
go through it and and going through the
00:32:59
Journey of you know Building Wealth and
00:33:03
building a business it's I look back at
00:33:05
it and go like wow we did some like
00:33:07
really cool things we met some really
00:33:09
cool people along the way and then you
00:33:11
know it was just a good journey as
00:33:13
opposed to just like sitting there and
00:33:15
and wasting years of our life we
00:33:18
actually invested in our future and and
00:33:21
bet on
00:33:22
ourselves and it's just something that
00:33:24
you have to do and experience and you
00:33:26
have to take action and there's no other
00:33:28
you know so yeah I mean I guess I could
00:33:31
have done it a lot quicker but I mean I
00:33:34
I I I basically retired at age 40 so I
00:33:37
mean I guess you know people have done
00:33:39
it sooner than myself so yeah hats off
00:33:41
to them still that sounds pretty good to
00:33:44
me yeah um and I think you remind me of
00:33:46
something it's cited a lot in either
00:33:49
happiness research or it might be some
00:33:51
of the behavioral economics guys but
00:33:53
they cite this study where they asked a
00:33:55
bunch of people to basically you know
00:33:58
tell us about your path in life and tell
00:34:00
us about all your problems and then
00:34:02
we're going to go around the room and
00:34:04
we're going to talk about everybody
00:34:05
else's path in life and all of their
00:34:07
problems and then we're going to ask you
00:34:09
at the end would you want to trade your
00:34:11
path and your problems with anybody else
00:34:13
in the room and more often than not we
00:34:16
want to take our own problems back if
00:34:18
that makes sense we we don't want to
00:34:20
trade our own problems because it's the
00:34:21
kind of thing it's it was experiences
00:34:23
for us it's problems that maybe we were
00:34:25
used to or We Grew From or we know how
00:34:27
to handle and uh you know just because
00:34:30
you could go back in time and invent
00:34:31
Twitter doesn't mean that you wouldn't
00:34:32
have had other hardships in life to to
00:34:35
get to this point so that's very
00:34:37
understandable I wouldn't trade a thing
00:34:39
so so now do you see I mean I assume
00:34:42
you're you're probably getting a little
00:34:44
more money from the side hustle or at
00:34:45
least you're projecting to get more
00:34:47
money now from the art of purpose
00:34:49
business than you did as a teacher have
00:34:52
your spending habits changed do you find
00:34:54
yourself more willing to reinvest things
00:34:56
into the business anything like
00:34:59
that um I think that my my savings rate
00:35:03
is like off of the chart one of the cool
00:35:06
things about working a nin to-5 and
00:35:08
having a side business that takes up a
00:35:09
lot of your time is that you won't have
00:35:11
time to spend any money you'll just be
00:35:13
like it's like one of the Best Buy and
00:35:16
Hold strategies ever yeah right so is be
00:35:20
so busy
00:35:23
that to think like oh should I sell or
00:35:26
do or should I spend
00:35:28
um has my spending habits changed yes I
00:35:30
do I I I have over a seven figure net
00:35:33
worth okay all right so once I actually
00:35:35
hit that so I was very hardcore like my
00:35:39
one of the first things that I did was
00:35:41
when I wanted to gain wealth I used to
00:35:43
have this NE uh not I had a Mustang
00:35:45
convertible
00:35:47
GT back in 2012
00:35:50
2013 and I started to get really into
00:35:53
all of the personal finance part and I
00:35:55
was like wait a second I had this car
00:35:58
it's just way too expensive I sold it
00:36:01
and I traded it in for a Nissan Leaf
00:36:03
okay and my justification was this if if
00:36:06
I have a net worth of close to zero why
00:36:08
should I be driving a car like this so
00:36:12
I'm took Extreme Measures to cut my
00:36:15
expenses down and I mean that's really
00:36:18
like if you're gonna go do this go all
00:36:19
in okay and once I hit a seven figure
00:36:23
net worth I decided to treat myself and
00:36:25
I bought myself a Toyota ref for brand
00:36:27
new so you know I guess I do spend more
00:36:30
money now um I live very comfortably you
00:36:34
would
00:36:35
say but I don't I don't I try not to get
00:36:40
joy from consuming Goods you know what I
00:36:42
mean by that absolutely I try to find
00:36:45
Joy like in the in the simple things in
00:36:47
life like spending time with my family
00:36:49
creating
00:36:51
art um talking with people Network
00:36:54
networking with people going on podcasts
00:36:56
like all of this is fun to me it's a lot
00:36:58
more fun than buying myself some new
00:37:01
shiny object or sitting down in front of
00:37:04
a TV and watching Netflix or some boring
00:37:08
show for six hours in a row because
00:37:11
they're all boring really honestly at
00:37:12
the end of the day they are now a few
00:37:15
things there I wanted to touch on the
00:37:17
story of having an expensive car and
00:37:19
then finding out about fire and selling
00:37:21
it that is just like the story of our
00:37:23
mutual friend Steve Adcock and oh yeah
00:37:27
here yeah he was here on episode 16 of
00:37:30
the best interest podcast telling us the
00:37:32
story about his car and his motorcycle
00:37:35
and walking out into the garage one day
00:37:37
and looking at the stuff out there and
00:37:39
saying I need to change I need to get
00:37:41
rid of this stuff um exactly what I did
00:37:45
I mean it it's a great turning point
00:37:47
it's an important Turning Point really
00:37:48
for anyone looking to turn that corner
00:37:51
and on their journey to to financial
00:37:54
Independence um now great minds think
00:37:56
alike I too drive a Toyota Rav 4 I'm I'm
00:37:59
along with I'm sure like four other
00:38:01
million people here in the US but great
00:38:03
quality car I did want to touch on one
00:38:05
thing
00:38:06
aop you mentioned not finding
00:38:09
fulfillment or or essentially avoiding
00:38:12
consumerism because you don't find
00:38:14
fulfillment in consumerism in consumer
00:38:17
purchases and a uh you're not alone
00:38:20
there right that's backed up by
00:38:22
well-proven psychological research that
00:38:24
I've cited in my in my writing few times
00:38:27
that simply put people don't get joy
00:38:29
from buying stuff at least for
00:38:31
themselves they don't they don't they're
00:38:33
heis hedonistic adaptation is a real
00:38:36
thing right totally um you know people
00:38:40
do get joy from from buying goods for
00:38:41
other people from buying experiences
00:38:44
like going on trips or or taking your
00:38:46
kids to the movies uh giving to charity
00:38:49
but but buying consumer goods for
00:38:51
yourself is like you you just mentioned
00:38:53
right the hedonic treadmill you're
00:38:55
always going to be chasing that next
00:38:57
thing that you want to buy the next
00:38:58
thing you know you're gonna be
00:39:00
broke right I buy things for a reason
00:39:03
that doesn't mean I I'm not much of a
00:39:05
penny pincher these days anymore so like
00:39:08
if I see a nice shirt and I like it I
00:39:10
buy it okay but I don't sit there and
00:39:13
think like I need to get this one
00:39:15
particular thing it's gonna make me so
00:39:17
happy like I need this new Xbox or PS5
00:39:20
so that I can go out and play this game
00:39:23
I don't I just don't think like that to
00:39:25
me is much more fun to actually like
00:39:29
like I'd rather play the video game of
00:39:30
life than some you know 6070 or like
00:39:33
$500 box that's going to create this
00:39:36
virtual reality like why spend my time
00:39:38
doing that seems like a Time sync as
00:39:41
opposed to like actually like get out
00:39:42
there and build a business like view
00:39:44
Life as a game level up in it you know
00:39:47
yeah it's amazing you're definitely not
00:39:50
the first person to to mention that I'm
00:39:52
trying to think of who I was just
00:39:53
talking to last week oh I know who it
00:39:55
was it was Dan Co was Dan Co mentioned
00:39:58
gamifying life and setting goals for
00:40:01
yourself just like you might set levels
00:40:02
in a game uh I played a lot of games
00:40:05
growing up as a kid I don't play a lot
00:40:07
of games anymore but I do look back on
00:40:10
those days of playing games whether it's
00:40:11
board games card games video games and
00:40:14
and thinking having that gamer mindset
00:40:16
of you know level up build something new
00:40:19
uh grow whatever you're doing grow your
00:40:22
character in the game well now I'm
00:40:24
growing my blog and my small business on
00:40:26
this side and I'm getting that same kind
00:40:27
of feedback that I did from the game and
00:40:29
I think it's a lot of
00:40:31
fun I think if those games have one you
00:40:34
know good point I think everybody should
00:40:36
play them maybe like once in their life
00:40:38
sit down and like understand that what
00:40:41
you do like take a quest right and you
00:40:43
go take the quest you gain experience
00:40:46
and then your character levels up in the
00:40:48
particular attributes of the quest help
00:40:50
them level up in so just think of Life
00:40:54
the same way whatever Adventures that
00:40:56
you decide to take and embark on you're
00:40:59
going to see some kind of direct benefit
00:41:01
in
00:41:02
return do you have any ideas what the
00:41:04
next level of the art of purpose is
00:41:07
going to be we're gonna probably what
00:41:10
we're going to do is we're going to
00:41:11
focus a bit on master class in the
00:41:13
future our our community and we're
00:41:15
actually coming up with free courses and
00:41:18
free materials for masterclass
00:41:20
themselves so I think sometime this
00:41:22
weekend or next week we're going to
00:41:24
release just a really cool quirky book
00:41:27
for the masterclass community and you
00:41:29
know it's going to be available for
00:41:31
purchase and probably like farther down
00:41:34
the road well we will release some kind
00:41:36
of courses or materials on how to
00:41:40
accumulate wealth how we talk about
00:41:42
wealth and how you know we might do
00:41:45
something in the personal
00:41:47
finance uh genre in the future I'm not
00:41:50
I'm not ruling that out very cool very
00:41:53
I'm excited to see what's happening yeah
00:41:55
the personal fin Finance side
00:41:57
especially um now aop before we go into
00:42:01
the rapid fire questions at the end I
00:42:03
did have a real quick art question for
00:42:06
you and you can take it or leave it
00:42:08
obviously we can we can edit this out if
00:42:10
need be but for the average listener who
00:42:13
perhaps has never gone to a m a museum
00:42:17
or never never has paused to consider
00:42:19
art in their lives what would you say to
00:42:22
them or what might you suggest they do
00:42:24
to dip their toe in the world of art
00:42:26
because art is such a center uh pillar
00:42:29
of your of your
00:42:32
brand well really all they need to do is
00:42:35
is start listening and watching it so if
00:42:37
you're interested in learning more about
00:42:39
I mean there really is no barrier like
00:42:41
if you want to learn about classical
00:42:43
music hop on Spotify start listening to
00:42:45
Mozart right there's there's nothing out
00:42:48
there that's stopping you from doing it
00:42:51
um you know take in mind that art
00:42:53
created 200 300 years ago was for
00:42:56
definitely different purposes for than
00:42:59
today you know stuff that you hear on
00:43:01
the radio I don't listen to music with
00:43:03
words okay that's just a personal thing
00:43:06
that I don't do it's just programming to
00:43:08
me
00:43:09
so music with words and you know stuff
00:43:13
that you hear on the radio it's just
00:43:15
there to be catchy and it's it's
00:43:19
consumable it's just a cons another form
00:43:21
of a consumable product it's there to
00:43:23
stick in your mind so it gets in your
00:43:25
mind and then you want to keep listening
00:43:26
to it again and that station again so
00:43:29
really if you want to listen to like art
00:43:31
that has like a purpose and like
00:43:33
connects and like tries to convey some
00:43:35
really great ideas start listening to
00:43:37
classical music start listening to some
00:43:39
of the greats I mean it's not hard go
00:43:42
out there and
00:43:44
and and and start to uh consuming
00:43:49
consume uh art that actually has some
00:43:52
meaning behind it like you know if you
00:43:54
listen to Beethoven or or you know you
00:43:57
have to think about their lives are so
00:43:59
memorable and so great like he wrote his
00:44:02
last five Symphonies while he was
00:44:06
partially deaf or completely deaf at the
00:44:08
time like there was something behind his
00:44:11
music you know like his sixth symphony
00:44:13
is about getting out in nature and the
00:44:15
beauty of nature so when you listen to
00:44:17
his music you're reminded about the
00:44:19
beauty of the world and you know that's
00:44:22
not something you're going to get when
00:44:23
you turn on your typical radio station
00:44:25
or listen to the music that's promoted
00:44:26
on
00:44:27
Spotify the classical music or fine art
00:44:31
is going to give you more of an
00:44:32
appreciation for the world around you so
00:44:35
you're you're missing out if you if you
00:44:37
decide not to listen to it you know it's
00:44:40
it gives you it's a window into somebody
00:44:42
else's
00:44:43
mind do you have a favorite window to
00:44:46
look into and by that I mean a favorite
00:44:49
composer uh mostly I listen to Bach and
00:44:52
Beethoven and uh shash stovich
00:44:57
cool also uh Rock modern off as
00:45:00
[Music]
00:45:08
well huh see I don't know those last two
00:45:12
names I've heard of Rak manov uh the the
00:45:14
third name you mentioned I had not I've
00:45:16
not heard of him before butovich sh
00:45:19
shash takovic I'll have to Google
00:45:24
that
00:45:27
[Music]
00:45:34
now I don't know aop if you've listened
00:45:36
to any episodes of this podcast before
00:45:39
but the intro music is Ride of the
00:45:41
valkries by Vagner Vagner yeah the uh
00:45:45
the transition mus fastic the transition
00:45:47
between segments is of all these four
00:45:49
seasons oh which which movement
00:45:52
winter oh it's the best one it's a
00:45:54
little bit from winter
00:45:56
[Music]
00:46:04
and then towards I love it there you go
00:46:06
you're you're educating your audience
00:46:10
highly recommend when we're done with
00:46:12
this go listen to the entire Four
00:46:14
Seasons it is
00:46:16
fantastic I will second that I will
00:46:18
second that it's I mean for me it's
00:46:21
terrific study music and it's just good
00:46:23
music to get my brain in that right
00:46:26
space um have you had Joey the cyprene
00:46:29
on have you had Joey on I have not had
00:46:31
Joey on no okay so me and him we did
00:46:34
this discussion in master class we just
00:46:36
did this about how music with lyrics is
00:46:39
very distracting as well and you were
00:46:42
just mentioning that with Baldi that
00:46:44
music if you're gonna listen trying to
00:46:45
get work done listen to classical music
00:46:48
something that is not obtrusive it's
00:46:50
going to help you keep momentum keep you
00:46:52
focused especially if you're in a room
00:46:53
with a lot of noise uh highly recommend
00:46:56
listening to classical music while
00:46:58
you're trying to get stuff done it will
00:46:59
help you be more
00:47:01
productive second that I second that but
00:47:03
listen to aop because he knows a lot
00:47:05
more about it than I do but I do love
00:47:07
some classical music that's awesome that
00:47:09
is
00:47:10
awesome all right let's go into the
00:47:12
rapid fire questions then what was the
00:47:15
last material object or personal luxury
00:47:18
that you spent $100 or more on aop and
00:47:22
and the potential bonus question I know
00:47:24
art can be expensive and so do you
00:47:26
happen to own any any nice art and and
00:47:29
what what might that piece actually look
00:47:31
like that's a good question I just own
00:47:33
musical I'm not an artist right so y
00:47:36
right I own musical instruments that are
00:47:38
worth a lot more than $100 so I'm a
00:47:41
musician so my my wife is an artist
00:47:45
right so I most of their the Art House
00:47:48
has her art inside of it so I don't
00:47:50
spend money on Art it would be nice to
00:47:52
be like at some point where I can spend
00:47:55
you know a good amount of money on you
00:47:57
know some fine art I have I do have
00:48:00
favorite artists but no I do not have
00:48:02
art in my house so um what did I last
00:48:06
spend $100 plus on I recently purchased
00:48:09
a MacBook Pro and one chip fantastic
00:48:12
purchase by the way that is exactly what
00:48:15
I'm talking to you with right now is
00:48:17
through my M1 MacBook Pro I love it best
00:48:21
computer I've ever owned by far yes
00:48:24
fantastic I'm looking forward for them
00:48:26
to come out with the uh with a new
00:48:28
larger version iMac which will be
00:48:30
fantastic gotcha out of curiosity what's
00:48:34
your preferred musical instrument I
00:48:36
would say my preferred musical
00:48:38
instrument I like them all really I love
00:48:40
the cello like if I had to listen to
00:48:42
somebody play an instrument I would pick
00:48:44
the cello awesome would would it be yoyo
00:48:47
ma or do you have another favorite chist
00:48:49
it could be y could be anyone really I
00:48:52
love the cello it's got that warm sound
00:48:54
to it it's just like literally the
00:48:56
perfect instrument the other instrument
00:48:57
that I love is the bassoon it's got like
00:49:00
this quirky absolute just beautiful
00:49:03
unique sound it sounds like it's
00:49:04
something from like two 300 years ago
00:49:07
huh I I'll have to Google a bazoon I'm
00:49:09
not sure I can picture the way it sounds
00:49:11
I know it's a a read instrument right
00:49:13
like a giant Claret that's correct yeah
00:49:15
uh yeah very large it's like a giant OBO
00:49:18
really actually okay okay cool um next
00:49:22
let's go to the next question what's a
00:49:24
good habit that you're trying to form or
00:49:26
potentially a bad habit that you were
00:49:27
trying to
00:49:29
break a good habit that I'm trying to
00:49:32
form well I guess a good habit that I'm
00:49:35
trying to form is when you're an
00:49:37
entrepreneur you need to be very
00:49:39
consistent and disciplined throughout
00:49:41
your day to take a you know to just
00:49:43
knock a lot of stuff out so you know
00:49:46
wake up in the morning write a to-do
00:49:48
list go right through it knock out
00:49:51
everything be very disciplined with how
00:49:54
I work with my time time so I I think I
00:49:57
need to be a little bit more organized
00:50:00
overall that's a great one uh what's
00:50:03
your favorite Financial tool or app or
00:50:06
service and
00:50:08
why I think that the app that everybody
00:50:11
should have on their phone is the
00:50:13
mint.com
00:50:14
app fantastic app that will track your
00:50:17
net worth wonderful I I think that
00:50:21
wealth is defined from a net worth
00:50:23
perspective overall and and if you're
00:50:26
getting going to get serious about
00:50:29
building a net worth you need to track
00:50:31
it like if you're going to get serious
00:50:32
about losing weight or tracking or
00:50:34
wanting to get more fit you need to
00:50:35
weigh yourself every day so if you're
00:50:37
going to get serious about building a
00:50:39
net worth you need to download an app
00:50:41
and keep track of it and try to get
00:50:43
those numbers moving in the right
00:50:45
direction excellent I definitely support
00:50:48
budgeting apps that's a great answer oh
00:50:50
it's not a budgeting app it's a net
00:50:52
worth tracking
00:50:53
app I see now when I used mint though at
00:50:57
the time you could use it for budgeting
00:50:59
I guess yeah it was a few years ago and
00:51:01
I think I had I had some some sub maybe
00:51:03
I was just using it for sub accounts and
00:51:05
I would kind of delegate money into
00:51:07
various sub accounts but yeah tracking
00:51:10
tracking you my favorite saying here is
00:51:12
uh you can't manage what you don't
00:51:14
measure and right so measuring your net
00:51:17
worth just like you said or just like
00:51:18
measuring your weight every single day
00:51:20
that's how you're gonna start managing
00:51:22
it and improving it and last one aop if
00:51:25
you had a billboard and you could put on
00:51:27
any message to share with the world what
00:51:30
would you say all right so if I were to
00:51:33
have something on a bill word I would
00:51:35
have always be improving always be
00:51:38
looking to improve every single day wake
00:51:41
up crush your day go at it and always
00:51:45
help other people as well improve so if
00:51:47
you see somebody who's like working out
00:51:49
at the gym give them a give them a you
00:51:51
know a good vibe Give Good Vibes I'm
00:51:54
really big into people trying to help
00:51:57
themselves and improve their lives
00:51:59
always be improving aop I can't thank
00:52:02
you enough for coming on and sharing
00:52:03
your thoughts with us here on the best
00:52:05
interest podcast I appreciate it man
00:52:07
thank you so much for having me on and
00:52:10
if you want to check out create 247
00:52:13
please click the links send me an email
00:52:15
or find me on Twitter ATC creation 247
00:52:19
I'll be more than happy to answer any of
00:52:21
your questions that you have about
00:52:22
create 247 or master class again Jesse
00:52:26
thanks for having me on today absolutely
00:52:28
and everybody all those links will be in
00:52:30
the show notes go check out aop thanks
00:52:33
man talk to you soon I appreciate it
00:52:37
[Music]
00:52:40
man aop thank you again for coming on to
00:52:44
episode 24 of the best interest podcast
00:52:47
listeners if you want to get a hold of
00:52:48
aop or follow him his Twitter account is
00:52:51
in the show notes and so are the links
00:52:53
to his book create 24/7 and to his
00:52:57
master class if you want to reach out to
00:52:59
me my email is Jesse bestin interest.
00:53:03
blog or you can follow me on Twitter
00:53:05
where my username is
00:53:07
bestore JC if you found this content
00:53:10
valuable and you want to give back I
00:53:12
have three options for you and it's all
00:53:14
free always absolutely free option one
00:53:17
subscribe to the best interest podcast
00:53:19
from the app you're listening to right
00:53:20
now option two leave a rating of the
00:53:23
best interest podcast or option three
00:53:25
leave a review tell me what you think
00:53:27
for example BH said Jesse has a way with
00:53:30
words he brings complex ideas to life in
00:53:33
an interesting way for someone like me
00:53:35
who usually falls asleep at the first
00:53:36
mention of Finance he balances beginner
00:53:39
topics with more specific Niche ones we
00:53:41
should probably all be aware of I'm a
00:53:43
big fan thank you BH I appreciate those
00:53:46
kind words because we can continue to
00:53:48
invest in one another just like Ben
00:53:49
Franklin said an investment in knowledge
00:53:52
pays the best interest sharing with
00:53:54
others that's investing in their
00:53:56
knowledge so thank you all for listening
00:53:58
to episode 24 of the best interest
00:54:01
[Music]
00:54:13
podcast