Retired By 28—Why You Need To Look Beyond The Traditional Ways

Hey, it's Mark Podolski, the land geek with your favorite niche real estate website, www.thelandgeek.com. and before we talk to today's guest, I'd be remiss, but I didn't properly introduce my co host. You know you love him, Scott Todd from scotttodd.net landmodo.com Most importantly, if you're not automating your Craigslist and your Facebook postings. Postingdomnation.com TheLandGeek Scott Todd, how are you?

Mark?

I'm great.

How are you?

I'm doing well. I'm doing well. Are you ready for today's guest?

I can't wait.

Yeah. All right, well, I just wanted to let all of the listeners know today's podcast is sponsored by GeekPay IO the only set it and forget it financial CRM. And you know, it's assuring you're gonna get paid. Scott, there's something playing your background there. I hear something on my end. Chris, do you hear that?

I hear a teeny bit.

What do you hear?

Maybe it's an echo, I don't know. But there's go now it's gone. All right, well, we kind of let the cat out of the bag because today's guest is Chris miles from money ripples.com Chris is your financial advisor and money mentor. He is the cash flow expert, a leading authority on how to quickly create cash flow and lasting wealth for thousands of his clients, entrepreneurs and others internationally. He's been featured in U.S. news, CNN, Money, Bankrate.com and has a high reputation for getting his clients life altering financial results in his company, Money Ripples. So Chris Miles, how are you?

Fabulous. How you doing?

I'm great, I'm great. So let's just rewind the tape and learn more about how you came up with the idea of Money Ripples.

You know what, it actually started. I started out as a traditional financial advisor. You know, I was the guy that told you to save everything, spend nothing, put all in crappy mutual funds and 401ks and IRAs and a lot of kind of crap that doesn't work. Right, right. People to do that forever and you know, somehow they become financially free. And I found out that pretty quickly as I started to associate people that were millionaires and people that were business owners that they would laugh and scoff at it. They're like, this is crap. You know. And so after I was, I was a financial advisor during the whole Y2K era. So, you know, great time to be a financial advisor. Right. And did that for.

Yeah, great.

And so beginning 2006, I said, you know, I can't take it anymore. I'm done. I quit. I will go teach ballroom dancing and do mortgages. And so that's what I did, and I started to do that. And then in 2006, I actually got to a point where I got some of those same guys to mentor me and get me to shift my perspective. I was actually able to retire when I was 28 years old in July of 2006.

Wait a second. How did you make enough money to retire in 2006?

Well, that's where I learned that cash flow.

28?

Yeah. You know, people talk about cash is king. You know, there's a famous guy in, you know, good old Tennessee that says that. Right. And. And that's kind of crap, because cash doesn't mean anything if it doesn't actually create cash flow. And so when I realized that cash flow, like, if I create other streams of income, and so I got really good at creating passive or residual streams of income that I was able to retire. And I only had, like, a couple thousand dollars in my checking account. I realized I didn't have to have a lot as long as I had those streams of income coming in. And back then, only had two kids. I have now with my married wife, eight total. Back then, two kids, I could live on $4,000 a month pretty easily. Nowadays, it's like you got to have at least five figures a month to survive.

You're totally preaching to the choir here, Chris, because this is what Scott and I do basically with our land investing is we just create cash flow, but we've got this passive income coming every single month. We have to do with renters, rehabs, renovations, or rodents. So how did you create your stream of income?

So mine came a few different ways. I started do a little bit of real estate as well, you know, and that helped. I was pretty crappy at it in the beginning, especially because, you know, I didn't care about cash flow as long as I got the equity out of it. I was just stripping equity and stuff. Right. But beyond that, I actually did really well with kind of what people refer to today as affiliate marketing, like joint ventures and things like that. I was. People would, you know. Even though I quit being a financial advisor, I vowed never to go back to it again. Right. I was like, I'm never going to teach about money. I'll just teach ballroom dancing. I'm done. I'll do mortgages at least. I can't Feel like I'm. Because the reason I quit is because I felt like I was lying to people. You know, like, I felt out of integrity to tell people, hey, you're going to save so many hundreds of dollars a month, you'll retire a millionaire. Which I knew when I looked at the real numbers, it was never going to happen. So I was like, I can't teach this stuff again. I can't. I feel like I was a liar and a deceiver for four years. But what ended up happening is people still came to me, they still say, kris, yeah, but who should I talk to to do this or that? And I remember one of my friends who was a millionaire, he said, chris, do you like doing mortgages? I said, you know, not really. Like, I love teaching people and helping them with it, but I hate when people call me at all hours of the night wondering if the loan's going to close. And was just the next day after I did an application, it's like I told you, three weeks, and you're calling me the next day wondering if it's going to close today. No. And so he said, well, why don't you find somebody else who will do that for you? And it blew my mind. Because in a scarcity world where you think that there's only so much resources, so much commissions, all that kind of stuff, I would never think about splitting cases, but I thought, you know, that's a good idea. And so I found a guy who was really good on the back end that loved to do paperwork, but wasn't a great social kind of guy. I said, hey, if I just give you people to pretty much do paperwork, and then they're going to do their mortgage, you don't have to do any selling, you know, Would you be willing to split that? He said, well, of course. Who wouldn't? And so we did. So I started splitting that, and next thing I know, I'm seeing, like, after a half hour or so work, I'm like, wow, I'm getting like 1000 or 2000 bucks a month from that. Hey, what else could I do from a half hour worth of work, you know, or an hour worth of work? So I started partnering up with other people, even wholesale jewelers that would pay a 5% referral fee. I'm like, cool. I. I use you guys all the time. I refer you to. Anyways. And so all these people I was already referring to, I was like, well, why not just connect them and get a piece out of that? And so what became almost accidental for me at that time was all sudden through referring. I was making four or five thousand dollars a month, just referring, not including the real estate stuff I was doing. You know.

I love it. Scott. Todd, what are your thoughts?

Well, I mean, I look, like Mark said, you're kind of preaching to the choir here, right? Like, we're all about passive income. And, you know, one of the things that I think that a lot of to do, though, is they try to kind of spread themselves too thin, right? Like, I was on the guy the other day, and he's like, oh, man, I've got seven businesses. And I'm like, well, okay, how are all these seven businesses related? He's like, they're not. And I'm like, then you don't. Like, you have seven messes, because there's no way that you can be good and proficient at all seven of them. You know, maybe if you get it up and running and build a team to run it for you, great, then. Then you have seven businesses, right? But as it is, you have seven hobbies is what. That's what it amounts to. And, you know, I mean, Chris, I. I really relate to some of the stuff that you're saying, too, because, Mark, when I was sitting in my daytime job and I jumped on your webinar that talks about the land investing, I mean, like, you know, I was already, like, a believer. I had listened to the podcast. I was seeing it. I'm like, man, this is ridiculous. Why did I not think about this sooner? And what's crazy is that I was watching your webinar driving to a doctor's appointment for my son. Like, I was meeting my family there. And you said something in the webinar that really, like, shocked me, because when I thought of freedom and I thought of retirement, I wrote down this big, massive number, right? Like, it was millions. And I'm like, okay, I got to save my way to millions of dollars. And Mark, you said in the webinar, you said, hey, this produces the same amount of cash flow as, like, $2.8 million of having $2.8 million in the bank or whatever the number was. I forgot what it was. And right then I'm like, holy cow. That was, like, close to my number, right? And all of a sudden I'm like, what am I doing? And, you know, I think that that's what a lot of people miss, too, is that they want to. People want to have this number in the bank because she said, you have, like, you know, that, like, thousands of dollars in the bank account. That's about it. You don't need a ton of money in the bank account, right? What you need is you need mailbox money. You need the money coming in every single month. And you need to build kind of connected streams. And like, for me and Mark, you know, we build land, connected streams. So, you know, like, it's. It's a land payment. It's a land payment. It's all of these land payments. I mean, I have like hundreds of notes every month. You know, they. They pay the bill, right? They pay all the bills all because they're. They're kind of focused in what we do. Land.

Yeah.

Yeah.

I mean, and Chris, how. How did you kind of shift mentally from this mindset of scarcity mentality to abundance mentality in the sense that, I mean, basically you said was, look, I can always make more money, but I can't get more time. So how do I create more time? And, you know, here's 30 minutes leverage to make, you know, a thousand dollars or $2,000 extra a month.

Yeah, you know, it. It kind of ties in a lot with what actually what Scott was saying as well. Like, it's, you know, there's a few myths I had to get overcome. One is that there's really, I teach, there's three different mentalities. It comes to money. There's a spender mentality, which everybody rips on, right? Like everybody says, like, oh, the spenders, the ones that lose all the money, they're actually really close to getting it right, but they're also in scarcity because they always have to keep working and hustling to keep that lifestyle going. Right? But there's also the savers. And the savers are also in scarcity because savers are taught that you can never save enough. You can never pay off debt fast enough. It's just never enough. It doesn't matter what the number is. The number will always have to be bigger, Right? They'll never be enough. Even if you could get them to get their cash flow to. To that place, they still won't feel like it's enough. You can't ever be financially free if you're in a place of scarcity. And so that's where the third paradigm comes in, which is being a steward. See, a steward takes the best of the spender and the saver and puts in one person, because the savers at least are willing to be wise and willing to think about it. Sometimes they just think too long or don't think at all. They just save. They just go on autopilot Right. But spenders are at least willing to use money. They just don't. They just use it and it doesn't come back, right? So if you could use money in a way that it comes back, especially when it creates cash flow and you're using money to create value for people, you, especially if you're going to business, your whole focus, that was the biggest thing for me that that changed in 2006, is that I stopped asking, how do I make more money? But I started asking, how do I start creating more value for more people? What's the win? Win what? How can I get people what they want? Kind of like the whole thing you hear from like Jim Rohn, right? You know, like, get enough people what they want and you'll get what you want and that kind of thing. It's like, what are the people wanting? And people kept asking me for advice, whether I wanted to give it or not. They still wanted to know, you know, how I could help them financially. The great thing is I was able to start connecting with the right people. And as I started to shift to my mentality, everything got better. I started to shift theirs and then they could go and apply strategies better. So I think that's one of the big keys, right? There is. Is one having that steward mentality where you're focusing on creating value and making things better, right? And it's on acceleration of money, not accumulation of money. The second thing that Scott had mentioned about multiple streams of income, you know, I found that out. I found that in an interesting way back in 2008, because I thought, hey, you know, I have all these passions. Why not create a, you know, create cash flow streams from all of my passions? And so I had, like, not only did I have my financial business that I was coaching people on, because I came out of retirement in 2008 or 2007 to do that. And then I also had my. I had an insurance business and I had a dinner and dance business. I was teaching ballroom dancing and doing a catered dinner and stuff, right? And I had a network marketing business I was doing. And I can't remember the fifth one, I had five streams of income. All of them were paying. But funny enough, I was making less money per month than it was when I cut off three of those and focused on only two. So even though I had multiple streams income, that's the whole, you know, sexy thing about it's like, hey, got multiple streams income. That's true. But you got to build it, right? You know, so that was a big Aha. For me as well, it's like, oh, you know, you got to build it, but build it, you know, be more focused in how you're building it. And then as you get that system established, then maybe you venture out beyond that. But stay in your lane. Stay what you do best.

Yeah, that's so true. You know, the Pareto principle and, and that as well. I mean, it kind of reminds me of what Steve Jobs did when he came back to Apple. They had, you know, 14 different lines like, and he's got, got it down to like three.

Right.

And they, you know, made a lot more money. You know, we kind of talked about in the beginning. But is, is there some kind of worst advice that you see or hear given in, in money management?

Yeah, that's the other one that Scott mentioned. So save up money, accumulate and then try to live on the interest. Right. Understand that financial advisors nowadays are telling you to live on 2 to 3% of your money. So if you want a $60,000 a year lifestyle today, we're not even talking about inflation, just today you need to save up at least two or three million dollars. Right? That's pretty dang hard to do. And by the way, if you start factoring inflation, more likely than not you'll have to save. Depending on what age you're at or what goal you're going for, you might to save at least 8 or 10 million dollars to just make financial planning work. I'll tell you, it's a crock of crap. Like it doesn't work. I've ran the numbers. There's no way by doing the traditional mutual fund type of investments you are ever, ever, unless you inherit money, you're ever going to retire. I'm just telling you flat out to be honest, like, it just doesn't work. Your only hope is to do things that are more alternative type of investments. You know, things where you are doing things with real estate and things like that, you know, or like I have some clients that they're trying to get some tax rates with oil and gas or whatever might be. And, and if they earn cash flow, sweet. It's a perk, it's a bonus, but it really the focus. You got to get away from the whole mentality of saving and saving because I thought I'd have to save till I was 40, I'm 40 now. I thought I'd have to save $2 million to be able to retire at a middle class lifestyle. And the truth is, you don't. It's so much easier at the Same time, so much harder. Because you do have to shift that perspective. You got to look at money with a totally new set of eyes to even see the opportunity right there in front of you. Yeah.

I mean, Scott, what are your thoughts? Go ahead.

No, I was gonna say, like, I agree, like, the model that people want to follow, like, you know, you have to get. For you to build that type of income, you either need to, like, really make it well within, like, an executive type of a job to where, you know, like, they're throwing beaucoup dollars at you, or you have to be prepared to kind of like, not eat in retirement. Right? And like, I look way back when, you know, I too, worked as a financial advisor, and this guy, this guy that I really love, he was a crazy Navy seal. He would tell his clients, he would say, you know, because they were terrified of the stock market, and he would say, do you want to sleep today or eat tomorrow? Right? And you know, that. That stuck with me for a long time. Like, okay, I gotta do I want to sleep today on my investments or do so you. By its nature, that's kind of like a risky. A risky play, right? Like, don't worry about today. You know, we're gonna go a little bit riskier because you're gonna be able to eat later on. But I can tell you, like, I sleep well today and I know I'm gonna eat well in the future.

Right?

Like, it's just once you start to build that passive income stream, it's. It's crazy how fast the money snowballs. It really is.

Yeah. I mean, does it ever bother you, Chris, when you hear, you know, these financial advisors, like, I had. We had one on our podcast and she was like, look, I save 80% of my income and, you know, she is willing to give up a lot of luxury in her life and lifestyle in her life in exchange for this, you know, quote, unquote, security and then being able to say, like, travel, right, and just live on very, very little money. What are your thoughts on that as far as going into sort of deprivation mode, but kind of telling yourself, well, yeah, you know, nobody really needs a. A really nice five star resort. We can stay at Motel 6 and still have just as good a time, and nobody needs to go to a $300 dinner. We can have beans and rice and just get as many calories and fill up, and in the same time, look how much I'm saving in doing that. What are your thoughts on that mindset?

It's funny you mentioned that because I actually have an ebook on my website that's called Beyond Rice and Beans seven Secrets to Free Up Cash Today, which talks about how my, my clients all have freed up on average 34,000 a year, right? And it's funny because, like, that's the very thing you got to, you got to be careful of that. Like, I'm okay somebody saving 80% as long because I want people to be wise steward, but don't do it at the expense of your happiness today. Because here's the truth is we have no clue how on how long we're going to live. If someone sacrificed 80% lives on rice and beans, sacrifices their health to the point where by the time they finally get to retirement, they can't even walk anymore. Like, what was the purpose of that? Why, why save all the money? I mean, money is meant to be spent. It's meant to be used. The Egyptians thought it was differently and all they did was got their tombs robbed, right? They got buried with their wealth because they thought, hey, I'm going to die with my wealth. You can't take it with you. The real question is, what are you going to do with that wealth while you're alive today? And you can either sacrifice it forever and be that cheapskate that nobody likes to go out to dinner with because you'll make them pay. You'll be the person that tells your kids that, hey, you'd be basically like how I was raised, right? Whereas I was told, hey, what do you think money grows on trees? I'm not made out of money. We can't afford this. All that kind of scarcity conditioning that was instilled into me that I had to undo because I was raised with that depression era mentality, it just doesn't work. Even if you had all the money in the world, if you don't have true financial freedom, who cares? Like, that's, that's the real truth. And so I think great power to. If she can save 80% and do it abundantly in the sense that she's not delaying life forever, she's not, you know, saying, well, someday I will spend time with my kids, someday I'll do this, someday I'll do that. If you're not, if you're constantly saying that you're in trouble like you, that someday will become never. And that's, and that's the big worry I have for people like that.

Yeah. What about you, Scott, as far as, you know, making that shift from scarcity mentality to abundance mentality?

Well, I'll tell you, like Mark, I've said it before. Like, when I started the land business, I was very. I didn't have an abundant mindset, you know? Like, I was really. I was really scared. Scarcity mindset. And I'll tell you, like, at my very first boot camp, I'm sitting there and you pull up, like, you know, you do a deal, right? Like, at boot camp, you start off like, let's do a deal. And the county that you chose was the county that I was having success in, okay? And I literally, I kid you not, I started sweating, right? Like, oh, my gosh, the secret is out. Oh, my gosh. Now, look, this is not a county that I. That I discovered either. This was a county that I found that you were already in. And I'm, like, stealing off of you, right? Like, I'm just copying you. So. But I'm sweating, right? I'm, like, sweating bullets. Like, oh, my gosh, I'm done. I have to find a new county now. And, you know what happened is I continued to do deals there, right? Like, I continued to do deals and do deals, and then I would see other people were selling properties there, and I'm like, what? Like, it's not affecting me. All of a sudden you start to realize, like, man, there truly is enough for all of us, right? Like, there truly is enough for all of us. And, you know, sometimes. Sometimes if competition rises, you know what? You need to bring up your game, because the market. The market will speak to the better of the competitors, right? And I think at that point, when I saw that other people were still able to do deals, I was able to do deals there. And, you know, three years later, I'm still doing deals in that county. It doesn't really matter, right? Like, it doesn't. And all of a sudden you realize, like, man, there's enough for all of us. Bring it on.

Yeah, absolutely. I mean, Chris, what are your thoughts on that as far as, you know, enough and how do you define enough?

Enough could become two ways. Because you could go in scarcity by saying, oh, I have enough. Like, I have enough. Like, oh, I'm done. Like, you know, you put a limitation on yourself, which we gotta be careful of that. But in that context, though, of there's enough and there's more than enough. There's more than enough to spare, right? If people really realize that, it's huge. It reminds me of if. You know Ben Stein.

Oh, yeah, sure, he's the economist, but he's Bueller.

Bueller, exactly. He's the actors. Like, Bueller Bueller, anyone? Voodoo economics. That's right, that guy.

Right.

So it's interesting, he was economist. His dad was actually a famous economist as well. Was from Harvard and everything. Ben Stein went to Harvard in economics and he would do, I remember he did an article for Yahoo. Finance for quite a while and one of the articles he talked about something his dad taught him because in the 1950s in school they were telling them, hey, in 10 years we're going to run out of food. People are going to start starving and dying. So he went to his dad and he said, dad, we're going to run out of food. People are going to start starving and dying. His dad said, no, it won't. But it will. Like the figures say it will. No, it won't. But dad, figures don't lie. He said, son, figures don't lie, but liars figure, you know, and, and there's a lot of financial advisors out there that, that teach that, you know, that they use all their figures and numbers to try to show you something that's way over promised and under delivered. Right, Kent? It's funny because like, you know, when you mentioned competition, like I, I don't see people, people say, hey, this person's your competition. No, they're not because they can't do what I do. Now technically, if they own their brilliance, I can't do what they do either. And that's perfect. In fact, I married my competition, someone who is viewed as my competitor. In fact, she used to be a Dave Ramsey teacher, funny enough. So we had some interesting discussions obviously over the years. But yeah, and actually we've come to a pretty good agreement because she realized that he teaches in scarcity too. And it's funny, people would say, oh, you're competitors. Like, no, we're not. Like, I don't do what she does and I don't and she doesn't do what I do. Like, I rock. I'm amazing. Think about it. Because all the financial advisors out there that created a need for an anti financial advisor like myself to even exist in the first place because there's all these people teaching the same old crap like, hey, let's stop teaching about saving for 30 or 40 years. What if we could retire in five to 10 years? Let's do that now. Or get us to quit our jobs within five or 10 years so we can do what we love regardless of the money. Like that's, that's kind of where my focus is. It's the exact opposite of what financial advisors teach you to do, you know?

Yeah. I mean, you're so preaching to the choir here, Chris. But we're at that point now in the podcast where we got to put you on the spot and your mentorship has been invaluable. But we're going to ask you for one more tip of the week. A website, a resource, a book, something actionable where the art of passive income listeners can go right now, improve their businesses, improve their lives. What have you got?

You know, I would say definitely, if you're looking for books, of course, like, you know, if you haven't read Rich Dad Poor, I'd read that. You know, understand the concepts in that one. I mean, it's kind of basic for us right now, but it really does lay the foundation because I read as a financial advisor and try to make it fit in that perspective. But you got to shift out of that. You got to avoid that completely. I'll tell you, the one main point that I got out of it was cash flow. And if you want more cash flow, if you want to get to the heart of where cash flow comes from, go to what I said earlier, which is dollars follow value. You know, the only reason money comes to you, there's no. It's not that land doesn't pay you money. It's the people behind the land that pays you money. There's got to be some value exchange, something created that money wants to be exchanged. Otherwise, you're just gambling. It's just like in stock markets. Like, you're just riding waves. But there's no real value creation, therefore, there's no real predictability. You're just a gambler. You're not an investor if you're trading in the markets. And I know I traded. I taught people, 200 people how to trade stocks and options in the market, and I told every one of them, you're a gambler, not an investor. If you're doing this because you're not a true investor, if you're in the stock market like that. The real way to really become a good investor with sure returns is to figure out how am I creating value, what am I doing to create value for people where they want to pay me money? That's the easiest thing to do. Stop asking how to make more money.

I love it. I love it. Scott. Todd, what's your tip of the week?

Mark? There are some people that. That I know that have a hard time waking up in the morning. Okay. Like, they just have a hard time. So I've got an app for them. I'm not one of them. By the way. But if you are, here you go. It's called Rocket Alarm. I know it's an iPhone app. I don't know if it's on Android or not, but Rocket Alarm.

And what it does is.

You know, what it does is it sets an alarm, it wakes you up, and then what it does is it actually presents to you a new challenge, like a new game, if you will. Sometimes you have to blow into the microphone to, like, keep the balloon up or something else. And so basically what it does is it gets you interacting with your alarm clock so that you just can't hit the snooze button and go back to bed. You actually have to begin to interact with your phone. You know, play a game, solve a mystery, solve a puzzle to force you to at least start to move your feet.

Right.

I like this. Interact. Yeah.

So if you have trouble waking up, check this out.

Very cool.

Check that out too.

Now, I, you know, what I do is I put my phone on my, like away from my bed, so I'm forced to get up and then snooze it. And then basically it's like decision time. Like, do I go back to bed? And, you know, but I, you know, it's funny is I actually read this Mel Robbins book, the Five second Rule, and she actually made the argument, like, it's really bad for you to go back to bed. And like, after that, I'm like, no, I'm never, I'm never, you know, hitting snooze.

See, I like, wake up. Like, I. My alarm goes off, I wake up. I immediately, like, sit up so that, so that. And I try to put my feet on the ground, right? Because then, then you just go, right? Like, you just start moving when you start to do that. And it works, right? And if you need to just jump in the shower and off you go.

Yeah. Trish, take cold showers?

Not today.

Yeah, I'm doing the cold shower thing. I love it. It's. You want to talk about waking up alert? It's great. It's great. So my.

That's how I wake up.

You work out?

Yeah. What do you do every other day? I either do strength training, like go work out at the gym, or I go running. I actually do half marathons and races like that.

Oh, you're one of those guys. One of those endurance guys.

I don't do the full marathons anymore. I'm 40, you know, I'm done with the full.

Yeah, yeah. No, you're one of those super uber fit people. Like, you know, go to the Restaurant order kale salad.

Not anymore.

No.

Actually. Well, it's funny enough, I started going organic, non GMO. I lost 30 pounds of last year and run faster.

Holy cow. Organic, non gmo.

Yeah.

Amazing.

It makes a big difference, Scott.

You ever heard of that?

No.

I think this is a new ebook for Chris. How I lost 30 pounds going organic non GMO. I'll buy it.

Yeah, I mean, it's another passive income stream for you, Chris.

Yeah, there it is. Well, my tip of the week is learn more about Chris miles@money ripples.com money ripples.com lots of resources, advice. He's got a podcast, right, Chris?

Yeah. Gonna have you on, in fact.

Yeah. So I'm gonna be on, which will be amazing.

Show. It's a great show.

Yeah. So check that out on itunes and all the interwebs areas where you can find Chris. So it will have links to all of it as well. Also, I just want to remind everybody, just do us, if you're enjoying the podcast, and I know you are because you're listening to them, do us a little favor. It's a little simple thing. Just subscribe, rate, review the podcast, send us a screenshot of your review to support the landgeek.com we're going to send you for free the $97 passive income launch kit. It's the only way we're gonna get the quality guests like a Chris miles from money ripples.com to come on the podcast. So please do that. Subscribe, rate, and review. Send us a screenshot supporthelankic.com and we'll send you for free the $900 positive income launch kit. Again, today's podcast is sponsored by the only automated financial CRM. Get paid GeekPay IO. Get your first note for free at thelandgeek.com Geek Pay. Scott, are we good?

We're good, Mark.

Chris, are we good?

We're great. Yeah.

All right, let's. I'll let Scott lead us out.

Freedom. Ring, ring.

Let free to ring. Chris, you like that?

I love it. I love freedom.

We used to try to sync that together and it just got real awkward.

It was terrible.

It was terrible.

It was like Jerry Maguire yelling, show me the money. Yeah, but worse.

Exactly. Exactly. All right, thanks, guys.

Thanks.