Birth to Net Worth with Allin Ybarra & Randy Kujawa of TPH - Episode 12

Welcome to Birth to Net Worth, where we normalize the conversation and emotions surrounding money and wealth to effect a massive change for future generations in their relationship towards finances, building family wealth as a collaborative legacy. Here is your host, Trystan Trenberth.

Good afternoon and welcome to Birth to Net Worth. This is a wonderful episode and I'm looking forward to introducing you to two gentlemen who are working with a team to bring financial literacy to kids. This is what the podcast is all about, bringing financial literacy to the next generation. We've interviewed a number of people about their perspectives on money, their experiences with money, but this episode is going to be the first of many where we introduce people that have solutions and opportunities to bring education, knowledge, and, you know, ultimately literacy to parents and children alike. So I'll introduce two gentlemen, Alan Ibarra and Randy Kuyawa. I messed that one up, didn't I, Randy?

I practiced, right?

There you go.

Yeah, it's perfect. Sounds perfect.

Fantastic. Well, gentlemen, welcome to Birth to Net Worth. I'm really grateful for you joining me. I know that I had a conversation with Alan last week, which was amazing. And had a quick look at some of the, some of the material that you have. Um, but give me a little, uh, little introduction about yourselves, please. Where, where were you from? Are you born in a different country? There's a couple of immigrants we've had, like myself, on the, on the program. Um, give us a little background. So, Alan, why don't you introduce yourself first?

Oh, you know, I appreciate it, Trystan. So yeah, I was born in Nicaragua. Uh, we came over in '79 after the, the war we had there, the I guess the Civil War, you'd say. So I came when I was 2 years old. I was lucky enough to land here in Orange County, California, which I'm currently at right now. And I grew up here and, you know, it's been fascinating, you know, kind of growing up, as he said, as an immigrant, and, you know, kind of having to kind of find my way around and kind of figure out my heritage. So it's been a great journey and I really like it. I wouldn't give it— I wouldn't I wouldn't have chose a different path. And I think because of that, you know, I got to experience money at an early age because of my mother. I was the youngest. I was the one she was always with. So I got the understanding of how to open up bank accounts, how to go shopping, how to apply for credit cards, come help me with my car payment, pay my bills. And, you know, I was her little, you know, interpreter, I guess, everywhere we would go. So it kind of helped me build an early relationship with money.

Fabulous. And how old were you when you moved here?

Uh, 2 years old. I was, I was a year and 11 months.

So probably no, no recollection of, of home as you moved from?

No, no, no, unfortunately no. But, uh, we did get a chance to, uh, go back and visit in, uh, uh, when the borders opened back in 1990, 1989, 1990. And then, uh, my brothers and I opened a restaurant back in 2008 in Nicaragua, so I did get a chance to go back for a year and a half and go hang out with my people and kind of get my better understanding of my heritage.

Fantastic. Well, thank you for that. Randy, give us your rundown, please.

I was just, I was born in a small town in Canada called St. Walbert, Saskatchewan, and there was about 700 people in my whole town. An only child, grew up on the farm. I never really had an early relationship with money, but I had an early relationship with hard work. Because when you're an only child and there's the grain farm, whether, you know, I learned how to weld when I was young, drive tractors, you know, at 12 years old I was driving the grain truck. So I always knew the value of working, but that was kind of like my keep on the farm, right? Well, you're a boy, you work on the farm. So I never really had a relationship with money. And then when I graduated, uh, because I was in Canada and this was coming around 20 years ago, oil and gas, very big, right? That's in, in, in central, in Alberta, uh, oil and gas was huge. So like the majority of people that graduated They just went directly into the oil field, right? You don't need an education. Are you strong? Are you healthy? Are you going to show up for work? Here's a really good paycheck. So that was kind of a downfall because I was always used to making decent money. If I showed up to work, I got a pretty good paycheck, right? And I didn't have to have an education. And they did that for the majority of two decades. And I had a pretty good career and I was working internationally and I got to experience lots of the world. So I got to travel and And there was a lot of amazing things that came from that. So my majority of my career was oil and gas. And then when COVID came around, I was working in Colombia. And then I currently live in Panama right now. And my friends built a resort in Panama. I came to visit. I couldn't fly out of the country. And here's where this all kind of really took a really interesting pivot in my life. So because oil and gas was what I've really always known, it was good. It's always there, right? It was security. And, you know, I worked my way up the ladder. When I couldn't fly out and oil was trading at negative dollars a barrel, I thought, well, am I ever going to work again? Like, it was a real possibility. Like, what is going to go on with my life? So then I was like, okay, well, I should probably try to figure out what I need to do. Like any human putting an adaptation response, you have to pivot. So I had a lot of time on my hands. I started watching some YouTube channels, like with Robert Kiyosaki and, and George Gammon, and, you know, just some, some pretty, pretty, uh, a variety of people in the financial industry. And at 38 years old, I realized that money was worth— I just realized that money is worth less next year than it is this year. I didn't know that. Yeah, and it was absolutely alarming because my entire life I had known how to make money, but I didn't know anything about money. So now when I had 2 years to really sit and deep dive and go and, you know, peel open the veil and understand the monetary policy and inflation, I was like, what the heck is going on here? So I really got into crypto because at that point, and you know, I, I really came in at a good time. Everything was going up, so it was just like, okay, this— it was a very easy transition for me. I'm like, I'm gonna pivot out. I'm making more money trading crypto than I was in oil and gas. So I was like, okay, this is kind of a no-brainer. I'm at a resort in Panama, I'm stuck at a beach, I'm surfing, things are going okay. And I came into a project and I met Alan, and when him and I connected and he was telling me he was working on an educational project to help teach financial literacy. This was— it was like a match made in heaven because I'm like, me at 38 years old, I never knew what money is. And I realized I'm probably not an isolated case. So that's kind of how the— how this came all about. It was an interesting turn of events, but everything happens for a reason.

Fantastic. I mean, very different backgrounds, but that alignment on whatever it was that the universe brought you together on is because it really brought that synergy. And, uh, yeah, so let's focus on your product. I really want to hear a lot about that so we can kind of learn from the foundation where the initial ideas came from for the concept, the name as well, and, and then sort of talking about, you know, a little bit what, what it, what it does, how far along in the project you are, and when people can get involved and actually see some of this content and interact with it.

Oh no, for sure. So I guess it started off, I've been trading, uh, penny stocks, you know, high-risk stocks for the last 20-plus years. I've been in finance, uh, just as long. Uh, so ultimately, you know, with, with COVID happening, everyone started getting into trading. Crypto started coming around, so the general population started getting more intrigued with, you know, these high-risk plays, these high-risk stocks. Uh, so I have an investment community. Uh, one of my buddies I've been trading with for the last 5 or 6 years, he's a real technical analysis I can consider myself a fundamentalist where technical analysis is part of what I look for, but I really look for the fundamentals of a traditional business. You know, if it doesn't make money, it doesn't make sense, right? Because how am I— how are they going to pay me dividends, or how are they going to grow and accelerate my value in the company if they cannot generate any type of profits? Uh, hence, you know, I know there's successful businesses like Amazon and others that, you know, kind of, uh, don't follow those trends, but, you know, far in between, uh, in terms of a startup. So one of my buddies is calling out a good play, and I've been following it. It was actually an oil play, and I was like, oh man, look at this thing, okay, cool. Uh, since I've been following it, I just went ahead and bought in. In another chat we're in, he's now selling it. So he was pumping it in my chat, and he was selling in the other chat. So I was like, oh man, Shane, like, you you don't even have paper hands. Like, in WallStreetBets came around, so WallStreetBets had their own lingo, and paper hands, diamond hands was some of their lingo. So I was like, man, you don't even have paper hands, you're more like toilet paper hands, you can't hold anything. Uh, so that, that's kind of where it started, and just a little, a little gag gift of like, you know, let me make some shirts. Uh, I'll, you, I'll do all the little slang that they talk about, all the other trading lingo. YOLO, you only live once, you know, let's ape in. And, uh, so I started just making these shirts, and, uh, yeah, I was At the same time I was starting a— I was going to make a course for penny stocks because there are different types of plays. You have to hold them a little longer than you'd want in order to hit the bigger profit margins. And, you know, you kind of ride the Elliott Wave, you know, the 5-wave sequence. So the first move is more or less just bringing attention to it. The next move is, you know, starting to get the euphoria and, you know, there's really good profits there. But in order to really maximize some of these potentials, you know, you know, these things run 500%, 10,000%. Uh, so, you know, you, you feel really bad when you're in a good play and you kind of cut yourself short. So, uh, my buddy, uh, you know, he kind of, uh, I figured out because of what occurred with him, I'm like, you know, let me do something for, for the average Joe that's getting into this, this realm of penny stocks. Since I've been doing it for so long, it's second nature. And then I kind of felt like, you know, I've got a 5-year-old son He's starting to, you know, play with crypto, or at least understand the names, and he's watching me trade. And, you know, I'm like, you know, why don't I make this for, for someone a little younger? You know, why don't I do this for a younger audience, uh, not necessarily his age, but content that would be available for kids that will start getting into this at an earlier age? Ideally, the content we're making is for, uh, you know, teenage, older teenagers, high school kids ready to graduate, uh, to young adults that are in college. And then when I started sharing some of this content, it kind of boggled me that I'm getting, you know, people Randy's age, people— I'm 44— people older than me saying, Alan, like, this is really cool stuff. Like, I didn't see it the way you're teaching it, the way you're bringing it to our attention. And I kind of felt like, okay, there's something going on here. And this was in April of 2021. So once I started getting some positive feedback, it's like, okay, you know what, let's let's really, you know, make this, uh, more for, you know, for fun, right? Let's, let's, let's not make this so educational. Let's do an animation series that can kind of take you on a journey. And it all kind of just started with that, you know, just bringing the topic to light, bringing it where it's more discussed with, with your child, your parents, and there's a place to go in and, and watch something entertaining, but at the same time you're learning something that's important in your life. And why not learn from mistakes of others than making the mistakes yourself? And at the same time, you know, there's this Wall Street— or not, there's a show on Showtime called Billions. So Billions kind of just takes you right into the hedge fund world, into money management. And I felt like, you know what, if these, if these guys can have a successful show talking about things that most people have no clue about, uh, then why can't I do one on something that's a, you know, that's a little bit easier to understand and digest?

Yeah, fantastic. Awesome. So, um, so from teaching penny stocks to then finding that there was a synergy or a, an alliance with, with older, you know, audience, now it's turned into something where you, you're creating a whole series of, of different products for people.

Uh, yeah, ultimately it came in where, uh, my brother's in high school. He has a— he teaches business and and I gave him the scripts for the first— for the animation. And we really just get into it right away. You know, he's already shorting, he's already, you know, trading. So he's like, bro, like, this is a little advanced for me and this is a little advanced for class. Like, how are you going to get them into this? And I'm not— I'm not an educational guy, right? I can— I can help people. I can, you know, I've trained people in our business, you know, for loans and stuff like that. But to educate, you know, a younger mind. It's something that I had to learn. And I'm like, you know what, let me, you know, let me think about this. So we have a partnership. Randy, uh, matured, uh, nurtured a partnership with us with the Empretec in Panama, which is an entrepreneur division of United Nations. And one of our, our goals was to provide free education, financial education, to underdeveloped countries. So it was always a goal for our project to be able to give back, to the people that just didn't have it, kind of like, you know, where I came from, from Nicaragua. Uh, and then it became, well, if we're gonna do that, why don't I do some free courses that build up into the animation course? So we created 6 financial— 6 courses. Um, the first one is financial literacy. Uh, then we have money management. Uh, we have, uh, I think, uh, if you know them all, Randy, off top of my head, we have, uh, it just goes into banking and then it goes into like financial goals and then stocks and investments.

So, and where it is too is we realized that also, uh, the way people are learning is a lot different, right? Like, people aren't really turning to books now. People's attention span don't want to open up a book and read. I personally enjoy it, but I'm a little different. But most people don't. Most people want short, they want videos, they want a story, they want to be engaged. If not, they're on to something else. So this is why we thought, well, why not take these 6 free courses And what we do is we chop them up into 36 little— so each course has 6 different parts, but we make it through a story and then we make it through a video. So somebody sits down and it's an introduction. Here's Into Money. Where did money start? And you have this nice animation with the storyline and it talks about bartering and, you know, and it starts to introduce the characters into the storyline. So during this time, like myself, I was completely unaware of you know, the majority of what was going on in the financial world. So we thought, well, this is also a great way— and I'm just going to throw this out there— when people are like, would you teach your kids about money? And most parents go, no, no, no, no, I don't teach my kids about money. They don't really, you know, they're too young. That's the parents saying, I don't even know what money is, so why would I want to go and look silly in front of my kids trying to explain something I don't even know what's going on? So we thought if we make a fun animation, it's a really kind of nice slick way to be able to get the parents to say, of course, family night, let's get some munchies, let's, you know, do this and let's hang out, let's learn together. But secretly they're learning it fresh just like their kids. So through the animation in the story, it's a way to just try to make it— whether you want to call it financial information, whether you want to call it edutainment, we needed to try to phrase the way, or at least come from a different angle, where we're not really deep, deep diving into— because, because finance is so broad, let's be real. Where do you start? Where do you go? What's credible? You know, there's a trillion different resources. But if we can create a storyline that at least gets you thinking, it at least piques your interest, then from there in our future roadmap is we want to partner with great educational content providers, whether it be universities, whether it be reputable companies, whether it be reputable content creators, where we say, listen, we can crack the ice, we can attract people with the cartoon, we can make it easy. But if somebody like myself back 2 years or 2, you know, 2 and a half years ago would have said, I need to look under the curtains, I need to open up the hood, I gotta see what's in this engine, that's where we can go. So we just wanted to make it fun because everyone's like, oh, let's talk about— let's talk about crypto and Bitcoin and get into there. And I'm like, why? That's like talking about, you know, you know, aligning.

Huh? I'll interrupt you real quick here. When we started getting into the actual courses, right, because the— we, we created the animation first. So the animation and the scripts, uh, were completed. Uh, the first episode's done. The rest of the 16 episodes, you know, they're all scripted out. Uh, so when we did that, we— there's a story, right? It was fun, it was engaging. Everyone that read it, it was 12 minutes. It— you wanted more because it was so short. You're on to the next, you know, the next clip, the cliffhanger. So when I started, you know, diving into financial literacy, I knew what I wanted to express and bring and what I— what I felt was needed in order to get someone to the level of trading. I, you know, and I've done this with my— with the people in my trading, with my investment community, you know, I've got them to understand things a little simpler, dumbed it down for them, if you should say, or however the word, you know, proper word is nowadays. So when I started going through the courses, you know, I could read it, but it wasn't fun. You'd understand it, you knew it was important, but who really wants to read it? So I actually— scriptwriter to take the information and make, make it into a storyline, you know, that leads up into the animation. So then that way you're going through the journey of our characters and they're brought to you in a more pleasant, uh, you know, fun manner than your traditional finance that's really black and, you know, black and white, right? You read the words, you hope to retain it. So with the way crypto and all these, uh, opportunities now to gamify something and make it a bigger experience, uh, you know, make it fun and engaging along with a great story, of how money started and the journey that our characters go on, you're pretty much just kind of going on that journey with them. And that way it takes the, the, the learning aspect to, you know, an easier flow, I believe. So we've gotten some really good feedback on, on the content, uh, how the story is told in, in the journey of money, I guess you would say, right? And by doing this, it really helped me understand the, the educational aspect of how people do learn. You know, what is it, how many people, how does it have to be presented for someone to retain it? How many times do we need to repeat certain things in order for it to stick? So, you know, we're still going through, I guess you'd say, quality control. You know, we're still getting our content to professionals to give them their stamp of approval. We've just onboarded economics major or economics professor. She teaches economics in a university and for her to look at our content and say, hey, this is engaging, I mean, this is fun. Like, you guys really— if you can do this for every episode, you guys really have something. Uh, and so it felt like, you know, all the, the time it's taken us to get something ready to showcase, you know, kind of proof of concept, it's glad to get that type of stamp of approval and getting people that want to support our project and come aboard our team and, and be an advisor to us and, and just help bring credibility to the content we're providing.

That's amazing. My research as well, which is not formal research but just, you know, conversations as we're having and many other people before you know, I started the podcast is that key factor is the parents that don't have financial literacy themselves. And that's why I found it important in my pitches to really find how can we educate the kids through— how can we educate the parents through the kids learning? And you're doing exactly that through this. Mike Michalowicz did a book I think I shared with Alain last week, which is called My Money Bunnies. Mike Michalowicz is a prolific author in the business world and created a book called Profit First. Which outlines 5 primary bank accounts with 2 in a different bank. Your profit account, your tax account, your operational expenses, your profit, and your owner's comp. So it basically budgets out. You always take your profit first because unless you take your profit out, it's going to get mixed in with your OpEx. You're going to spend it. And by, by the My Money Bunnies, it's sometimes money, one-time money, and anytime money. So it encourages the kids to have 3 jars where they split out the money there. Just even starting at that stage of this is something I'm going to save up for and spend once. This is something I might buy occasionally. But by doing this and having these parents read this book to a 2-year-old or a 4-year-old or a 6-year-old, somebody that's now understanding language and having the money there, the parent will organically learn that process and maybe apply that to what they're doing as well.

No, I think so. Took that, uh, you know, my mom having needed my help to, to manage her finances at an early age. I believe it's— I helped her understand money, you know. And I believe, uh, in this financial literacy world or situation we have is you're here, at least here in the States, I found the problem is if you have money, you tend to be, you know, oh, I have somebody that can manage this for me, I pay somebody. And then when you start finding about those people that are defrauding you and the, and the fraud that's out there you start realizing that, hey, are they giving you into the best product, or are they giving you into the best margins where they make the most money from guiding you into something? So I always believe, you know, in order for someone to really be, you know, financially independent, you need at least manage your money. You can give it to money managers, but you want to know where they're putting it. You'd like to have a say. You'd like to get, you know, a little bit of the basics covered. And then that's kind of where our project is. And Randy mentioned, we want to just provide basic stuff Nothing that's too complicated. No one needs to go read a thick book, you know, but you do need to, you know, you do want to get enough of the, the, I guess I say it's the width, you want to cover the width of all the topics, you want to get into all the topics, but you don't want to go too deep into them because they will, they will flip you upside down there. I felt they're almost made to confuse you in order for you to say, hey, you know what, I give up. You do, you handle my money, and then I just go with the flow of whatever happens.

Well, yeah, I think what's— I, I have a real life story here. It was, I don't know, maybe a month ago, 3 weeks ago, or something like that. So now that I have a grasp on basic finances and inflation, I kind of understand that. Um, I have a stepson, he's 12 years old, and he ended up coming into some money, and he says, well, what should I do with the money? Because he wanted to go to the mall and spend it. I said, okay, well, now that I understand, I'm like, well, it's going to be worth less next year. And he should probably have— like, my parents never taught me any of this. They were just, I worked hard on the farm, and then I went and I got a job, and nobody taught me. So I got a paycheck and I spent the paycheck because there was always a paycheck coming, but sometimes there wasn't. And I never saved for those days, and I never learned my lesson because oil and gas, it's always going to be there. And then when I was put in that situation— so he came into some money, and I said, okay, well, first of all, what we're going to do is we're going to put 20% to a savings, we're going to put 20% to an investment, you're gonna donate 10% of it because it's good to give, and then the other 50%, you can just do whatever you want with it. And it would— felt so good that I could pass something so simple to somebody so young that they can learn this in time. And if they start to even retain a bit of that, that's going to significantly change the course of their life and how they look at money. And it was really neat coming, the fact that I never had that background, but now that I get it And I think if a lot of people really start to understand it, just apply some of the simple, simple things. Prepare for the future, prepare to make sure to have a little bit of money now, enjoy yourself, and give a little bit away. Because the universe also does hear that if you give, you shall receive. You know, a guy doesn't need to get crazy, but if we just save, hoard, don't give, well, the universe is always listening. I'm a big believer in what you put out is what you get back. And if you're a kind person, you're probably gonna have kind things. So people have this super scarcity, you know, it, it's, it's— so anyways, that was it. So that was a real life story, but it was a really kind of a, a wow moment in my life that I got to be able to do that. So, you know, just something so simple.

I mean, you got the closed fist analogy. You hold on to your money, but you can't receive any more because your fist is so tightly closed around that. It's, it's that universal, you know, principle, you know.

Absolutely.

It's funny you say that as well, but when you look at— if you educate that stepson that you have, what is he going to teach his children should he have children at the similar ages? Oh, my stepdad taught me this.

Or maybe even just talk to his friends about it in school. Who knows, maybe it might be a conversation in a few years. He might be foolish with money and he might be, hey, I'm 17 years old, I already have a bit of an investment account that's working for me, I have a savings. And he might see a friend that doesn't have anything, he might want to help his friend.. It might not even wait to take 20 or 30 years. It might take 20 or 30 months. Who knows? We don't know, right? But the, the fact that that starts, and if we start to educate the kids, that's how we're going to change the world, right? You start to change future generations.

If they would have—

absolutely. This is what really actually kind of like grinds my gears a little bit, is the fact that why is nobody pushing this in primary school systems as the number one topic?

Really?

Come on, I know why too, but it's just like, it's just mind-melting, the fact that— but you know what, I, I, we just saw a post yesterday, um, in Florida. I guess in order to graduate, you need to— you actually, it's mandatory, you need to complete a financial literacy course. So what they're doing in Florida is very, very, uh, progressive, very forward-thinking. And I just saw that yesterday, and I think that's fantastic. Just the basics.

I did hear about that recently.

I'll add on to that, you know, like, you know being raised here in Orange County, you know, there's, there's a lot of people that had money there, and, and it was one of those things that they just didn't talk about. And at first she thought it was because they didn't, you know, because they, they were kind of, you know, they don't want to be flamboyant or they don't want to show off about it. And then as I've gotten older, I kind of realized it's because they didn't earn it. They didn't know how to— how they got it, you know. Someone passed away, they got inheritance, they, they got a new home. And, and then I didn't realize all that until my friends started getting the inheritance, and then they started blowing the money because they weren't taught how to make, you know, how to manage their money. So it was really more like you said, it's— you only learn what's in your household sometimes. Yeah, when you talk about money, and it's like, it was almost like a taboo. We don't talk about money here. It's like, why not? Like, you know, well, we, we just want to be, you know, be perceived, you know, come across as, you know, stuck up or, you know, well off, or they didn't want— or they don't want people just to know how well off you are, one or the other, right? So yeah, it was kind of like hidden. And then same thing with the way, I guess, things started changing as employers, right? When you started— when I started working, I started working when I was 12. My brother didn't have a 401, but when I got a real job in the mortgage industry, here, here's your 401, here's your profit sharing, and you can also buy into stock. So I knew I wasn't going to get rich by working and I wanted to, you know, be an entrepreneur and open my own business. So what I had to do is I just stuck everything I can into my 401, 15%, let them match it. I can get another 15% into my, into my stock options. Cool. I maxed that out. So by the time I left that job 3 years later, you know, I set up enough cash to go buy a house, put in my down payment, started to open up a restaurant in Nicaragua, which I did with my brother. And that was kind of my way of breaking off of the matrix, right, where I'm not in that system anymore because I got to control it early and get enough out of it in order to go in and take some risk in my life while I'm young. Uh, most people don't have any of that. They live check to check. They go buy their car. They go take their vacations once a year. And they— then they wonder why they can't get a divorce because they can't afford to leave their spouse because together they make enough, uh, independently they don't. And then they wonder why they can't start their own business, and it's because early on when they had choices to make, they made the wrong choice. And I, and I believe in hard work. I believe, you know, you need to go work hard, uh, and, and ultimately when you're doing that, you need to pay yourself first. So that profit first is one of the first things I've ever heard was, you know, if you don't pay yourself first, no one else is. And once you start spending that money like, like, you know, consistently on things that aren't going to bring value to you in the long run, you know, kind of you know, your assets versus your liabilities is, you know, if you build enough assets, eventually they will cover your liabilities and, and you'll be self-sustainable. And it, it worked for me, and it's worked for other people that have gone in that path. And it's, you know, and I feel this is my chance to, you know, teach my son at an early age to, to, to do what I didn't do. You know, I, I still made a lot of mistakes, trial and error, but ultimately, I— if through toilet paper hands I hope to make other people learn through his journeys and say, hey, I'm glad I watched Toilet Paper Hands because I learned a lot of mistakes not to do. And then now I got to go on the gold, you know, the bet, the easier path that will have less mistakes, less errors.

Yeah, I'm glad you brought up retirement products because the 401k is a de facto thing that a lot of people invest in, but I think its origination was just to stimulate the stock market and get the everyday Joe interested in, you know, investing in something very easy to do. But it's just been one of those things that you just put money in and forget about, and you forget that it's not really making a decent return. For most people, they may not have the interest in it. But one of the things that I'm looking to, to bring forward as options are rolling 401s into self-directed products, whether that's, um, self-directed IRAs. There are different products out there than whole life insurance. All places that we can put these products in the hands of 12-year-olds. Obviously not for them to manage, but with the parents, if we can get the parents to roll over 401k to a self-directed, for example, and maybe we can get them to put $10, $20 a month into a self-directed IRA for their child, maybe they can then take some of that investment and put it into a real estate fund where they're not actually handling the, the investment, but they're putting it somewhere with a much higher return they can then get depreciation, they can get charitable deductions if they donate some of that return to a charity. And by the time, you know, that the parent can write off some of their active income, so they're making a benefit and learning about the processes that where the tax rules actually benefit you instead of detract from your income. And also then when the kid's 15, 14, 16 years old, whatever, it was their first job, they've already got a way to write off all of the tax that they paid in the job and then they're starting a different way of educating the rest of their friends around them and the next generation that comes along. Because I think most, most of these products can be initiated at a very early age. I think 4 or 7 days old is the minimum age of a baby that you can start a life— a whole life insurance policy for. Oh yeah, money in there. And if parents knew about that, instead, instead of starting the college savings plan they put it into whole life and then invested that into real estate. They could just be buying a house. My friend Brian bought a house in Maricopa, close to here, uh, it's about 12, 13 years ago because his daughter's 12 or 13. He decided he was going to buy the house, renovate it, rent the property out, and it got a 15-year mortgage on it. So when she turns 18, she gets the house. She can either continue renting it um, which pays for college. It'll be completely paid off. She can sell it if she wants to, obviously, maybe buy more properties at that point. But it's looking at things from a different perspective. People don't understand. Somebody was asking me today, and, you know, I was discussing an event I'm having on Saturday with realtors and investors. A lot of realtors are very traditional in the fact they help people sell and buy and sell houses. They may own one house. Some of them don't even own their own house, they rent. But they don't understand that they could even be the buyer for some of the properties that they're facilitating the transactions for, particularly in the coming 3 or 4 years. That they may only be familiar with conventional financing to acquire property, so they may think that, oh, my salary doesn't allow me to qualify for another mortgage to own another house, where they don't need the salary. They can do DSR loans, other types of loans that require not income-based, but the production of cash-flowing assets to be able to cover the debt. And they can actually go and buy more of these houses and increase their level of wealth, solve their seller's problems. And that could involve self-directed products, whole life, those types of things. So we're just really trying to increase that relationship that we have slightly outside of the conversation. But that's also going to teach their kids.

When I graduated, actually, I had a stint where I sold life insurance for a few years.

I went and I was just like traveling.

I sold Actually, I was— sir, um, yeah, I was working for— what was it— Combined Insurance Company of America. I started with Combined Insurance Company of America and I was a traveling—

just CIA.

Yeah. So then anyways, so I, I was doing pretty well there and I actually went into clerica and then I became— I got my, uh, my LLQP and I got my Level 2 LLQP. So for about 3 or 4 years. And just as you were saying there when you're talking about retirement products, so we— people are putting money into an RRSP Well, we were like, well, how about this? It seems kind of like a weird twist around way. Why don't you buy a joint whole life or joint last to die whole life insurance on your parents? So if you're spending $2,000 a month into your RRSP, why don't you put $2,000 a month into your joint last to die on your parents? And at least that way you still have your little bit of your investment product in there, you have your whole life. And then at the time of the payout, because if you're putting it to your retirement anyways it's all going to come to you tax-free. And then you start to do a capital depletion chart and you're talking about your taxable RRSP money that you would get compared to your whole life insurance joint last to die that would all be taxed. And it was like a night and day difference. Like, their retirement money, dollar for dollar, was like 3x longer. It was like something that literally actually retire on. And, you know, it seems kind of weird to look at it in a roundabout way, but there's a lot of interesting things that if you're willing to understand how and where to move money and things like whole life insurance, um, it was a great strategy and it was a really good retirement investment strategy as compared to an RRSP.

Yeah, you know, we did that for our son. You know, I kind of felt weird where, you know, you— I have a baby, you know, you want the best health for them, and then it's like, okay, we're getting you life insurance. And it's because we got them the whole life insurance, and then it made sense because we just did the 10-year where you only pay into it for 10 years, and then pounds and grows. And when I compare that to continuously paying, I looked and I'm like, I'm pretty much almost the same. It's not as much, but I only have a 10-year commitment instead of, you know, a 20-year or forever commitment. Uh, so, so no, I agree, you know, and I'm— I have the real estate background and I— it's, it's— how is it, uh, if I would have known home values would have just kept going up as interest rates dropped when I was, when I was, you know, when I was a kid, oh yes, I would have been buying properties, you know, hands over fists, knowing that the only thing that's ever happened is rates going down as values go up. Then yes, the risk wouldn't have been there. But I didn't understand that lesson until I got much older. And then by then, you know, you're kind of like, okay, where am I in the 7-year cycle? You know what I mean? Like, okay, my— do I have— am I getting in on the end of the 7 years or I need to wait for the bottom? Uh, in reality, there's only been one bottom, uh, since I've been an adult, and that was the crash. And I owned a couple homes prior to that, and, uh, yeah, I ended up losing them. Uh, and then ultimately from there, it's a whole nother story.

But it's not always fun at the time, but when you learn the lesson from it and you get the gain from what you can do in the future and understand cash flow versus, um, you know, versus actual value— because I had a house in 2009 that was foreclosed My dad was sick in the UK. The bank wouldn't do anything to help me because I paid the mortgage up until the day that I left the country. My dad was sick in the UK, so we moved over there, and because of that, my house was foreclosed. But I— because of the debt that I had on the property, not really understanding debt at that point, we had, you know, an 80/20 mortgage situation. So I was paying much more on the mortgage than I could have ever rented the property for. So I was underwater both on cash flow and also actual value. So there was, there was nothing that I could do other than ask for a short sale or foreclose. And, you know, I was leaving the country, so I wasn't really able to manage a short sale. So that was what happened with there. But, you know, there were so many houses that I've looked at— 3 today that were bought in 2009, 2010, right at the bottom of the market. And there was, there was thousands of properties that were bought at that time A lot of people are scared, but it's, it's the crashes where the biggest opportunities happen. It's easy to make money when the market's going up, you know, stock market. But when the market's going down, that's when those skilled and experienced people, or the people gain the experience from some of the losses again and get to make gains from those situations.

And the people with the gunpowder on the side, the people that are ready for these times, you know what I mean? Everyone is just maxed right out to the hilt with no backup plan. They don't have these opportunities. The opportunities are here, but if you're right invested out, you're, you're already so heavy in, but you didn't have that, you know, your whatever you call it, gunpowder slush fund savings. You know, I, I know we— cash is depreciating, but at this rate now, cash is king for the next 6 months. If you're holding large cash reserves, you're, you're probably gonna have a better opportunity to take advantage. Now we can deep dive into that, but Uh, it's not a bad idea to have a bit of everything, and that's why understanding, having a bit of this, bit of that, bit of this, it's, it's a good strategy. And if we just teach people that, everyone's going to probably be a little bit better off.

Yeah, I mean, from the investment standpoint, you know, I've— I was shown recently, um, at an event run by Cody Sperber, I think it was, uh, Cole Hatter that was saying, or Dan Fleischman that was saying about the 20/40/40 rule for investments. But 20% of your investable income into high risk, high gain, 40% into medium risk, medium gain, and 40% into low risk, low gain. And that way you're balancing out your portfolio. You can cash out something that comes out really high, readjust your, your, you know, position again, and then have— still have your 20% in the high risk, but you're, you're upping in the medium or the low proportionally so that you're bolstering your you know, your, your longer-term plays, I suppose. But, you know, I'm offering double-digit returns to people that have self-directed IRAs that can invest money with me, whether it's, it's funding fix and flips, whether it's acquiring properties where we buy them subject to, where we buy a house with the mortgage in place, we need to cover arrears to reinstate the mortgage, and we buy the house with the mortgage in place. The entry cost generally is a lot lower in that case, or buying quadplexes, duplexes, multifamily. I'm starting a fund pretty soon which will donate 20 or 30% of the returns to, um, to charity, which is a charity I'm going to be starting in the next few weeks called 4014s, which is going to provide free mental health, like therapy and counseling services for teenagers. It's a really rotten place where we are right now. I went to an event with Alice Cooper and Brian Welch— Brian Head Welch— yesterday from Korn. Um, they were launching Alice Cooper's Solid Rock. Um, they call it the Proof is in the Pudding. They have a band, a band contest basically. They've got a, they've got a Solid Rock Center which allows kids to go and learn music, arts, photography, dance, that kind of stuff after school to keep them out of mischief. And then they, they encourage people, and it's a nationwide competition, people can come to Arizona or audition, but they, they, the, the prize is like $1,000 for the band You've got to be between 12 and 25 years old, but you get to open for people like Johnny Depp and, and, and Alice Cooper's fundraiser at the end of the year. He has superstars on the stage, but they were, they were partnered with a, with an organization called, um, uh, Death to Life, which is a 24/7 suicide hotline and, and, you know, helpline for teenagers and, and anybody really, focused on teens really. And they're available for kids. But it was heartbreaking. I was in this auditorium and they asked the question, how many people in here have personally or know somebody that's struggling with suicidal thoughts? And it was probably about two-thirds or three-quarters of the room that put their hands up. So we've really got to take care of our kids. And in whatever we're doing, I know that, you know, I think it was you, Randy, about saying about tithing or giving 10% of whatever it is that you earn to a cause. I think this is equally as important as your retirement plan to be able to help others, whether they're in your peer group, whether they're somebody that is in your sphere of, um, your community, somebody that suffered, somebody that's touched you. But I think this is an equal thing. But it can also again help with financial literacy of getting a write-off. It's not a selfish commitment, but the government allows you to regain that donation by doing that type of thing.

What my, my, uh, whatever, I'll just call it my wife. What my wife and I are really planning to do, like, there's people here, you're like in Panama, so there's, you'll go to a, uh, an intersection and there'll be somebody holding, like, there'll be somebody holding this selling pens and they don't have any hands. Like, the people have no hands and they're selling BIC pens. And you know, how are you going to make money? So what we do is we usually have cash with us at all times. So every time we see them we give them something. But my wife and I are planning where what we want to do is take the people that literally have no hands, the people that are just sit there and they're showing up every single day for the last years, they're at the same corner trying to make ends meet. What we want to do is we want to be able to say, here, what we'll do is we're going to give you some money, but we're going to teach you how to invest it. So we'll start, we'll give you $500 or $1,000 each, but what we want to do is we want to teach you what to do with that. So that's kind of been our goal too, because you know, seeing these people. And, and what's crazy, like, this dude that has no hands, like, we, we, we, we gave him a pretty decent amount of money here like a month and a bit ago. And because the guy shows up every day— I know people that are able-bodied, healthy as can be, can't even get out of the house, go do anything. And these people— and this guy's coming across the bridge in Panama, it's like about an hour and a bit place, he doesn't even live in the city, and he shows up every day like What a legend. So like, you want to be able to help, but once again, don't give them the money to say go spend it, you know, help them out, but teach them what to do. So that's kind of our end goal, you know. And it absolutely— and it's— I don't know, I think we need— I think we need to be a lot more compassionate to some other people, especially when they're trying. Yeah, people that are able-bodied and not trying, like, what the heck?

Oh yeah, Trystan, it's kind of like, you know, the homeless crisis here in Orange County, right? It's, uh, in Instead of finding solutions in California, you know, they, they kind of just, you know, give them handouts or don't— can't even do that sometimes, right? And I think it started with the mental health, uh, that I think Reagan, Reagan, you know, removed the, the, the disability for mental health and not providing them the, the, the, the hospitals where they can go and seek, seek, you know, seek therapy. And then the way we take care of our veterans is just, you know, to skip this you know, it's just awful, right? Where people are giving their life for our freedom and for, for us to have a better life, and we can't even take care of them as a society. You know, it's like the priorities just aren't, aren't right here, you know. And, and things have to be done, and sometimes they take a, you know, how should I say, uh, uh, they have to be, uh, an aggressive means, or they have to be something revolutionary. And, you know, and that's why I, I believe, you know, doing something of kindness has to come First of all, it should come from the heart, but it needs to just be, you know, part of what we pay in our taxes, right? We need to demand where this money goes. You know, we take care of our elderly, we need to take care of our veterans, you know, we need to take care of the mentally ill. And then if we can start with the basics and stuff, and there's enough money to go around, especially in a rich country like the US. But it is really sad to see poverty everywhere in the world, right? It's just not even here, you know, Nicaragua, Panama. So definitely, you know, I like the causes you're involved with and I also believe, you know, technology is going to allow us to, you know, overcome some of these things, uh, with blockchain, uh, with NFTs and ways for people to give back. And I've always thought, you know, when I was a kid, is if there's these profitable companies that are franchisees like McDonald's, like, how aren't these, you know, cities like Watts just buying a couple of them, you know, creating jobs for their employees, giving them a place to, you know, get back and using those revenues on those profits these shelters. And, and, you know, I, I always believe, you know, I guess like Trump, or, you know, maybe it's a businessman, because, uh, unfortunately governments are ran like, you know, they're not— they should be ran like a business because they tax us like a business, you know. They take— they watch, watch what we do like a business, but they don't just— they don't, they don't do anything with the proceeds, you know. We can't even audit them. So I think blockchain and getting things in transparent and understanding the problems and there's plenty of money to go around for everybody. So I don't know how all these changes are going to occur, but it's nice to see, you know, yourself and, uh, you know, the projects Randy's been working on. You know, it's great to be involved with people like yourselves and, um, you know, finding ways where our project can, can also give back here.

Yeah, that's awesome. And I'm glad you're international as well. You know, it's, it's great. I, I did a talk in 2018. It was like a TED-style talk with with, uh, Deb Shapiro, and it was a 7-minute talk about the importance of Americans getting out of their own country. And not just Americans, but I was in America, so I was speaking to Americans. You know, we've got Canadian, Nicaraguan here, a Brit. You know, seeing, seeing the world from a perspective outside of your home country is so critical for compassion, for overcoming prejudice, and for so many other things of, of just opening your mind to things happening differently. And not necessarily better, but just in, in a contrast. Not to compare that mine's better than yours, but how different is this and how does it work this way and how can we, you know, understand more about each other's cultures, whether that's healthcare or, um, in any of these things, you know.

Oh no, no, I agree. You know, just healthcare, when we had our child, that he was born premature, uh, we had to do 15 days pre-labor, another 7 weeks in the NICU. And it's like, how could I afford this? You know, like, if it wasn't for insurance— when you see how much we pay in taxes in California, you know, we get taxed 40%, you know, from the feds, we get another 10-12% in California, and then, and then I still have to pay taxes on top of taxes. And, you know, I look at other countries like Canada where it's like, okay, at least you get, you get your free healthcare, you know. And then ultimately in Europe, you know, healthcare is really important there. Mental health is there. They, they seems like there's more ways for people to bounce back, right? Because life is always going to throw us a curveball. You never know where it's coming. Randy's story about the hands, when I was going to work, we had a gentleman that would pretty much use his crutches and drag his feet to go catch the bus. And he lived probably 200 yards from the bus station. And my buddy would be like, hey, Tom, you want me to give you a ride? No, no, I'm fine. And literally just bring tears to my eye watching this guy cross the street and his determination to do it on his own. And when we have people here in the States or anywhere that, you know, are physically able and they just don't go to work, they just feel like they need a handout, it's really, you know, I don't, I don't have as much sympathy for those types of folks as I do for the folks that life comes in and just throws you a curveball. Accidents, you know, uh, depression, drugs, you know, there's But it seems like there's, uh, you know, more, more obstacles, uh, in order to become, you know, just stable, I guess you'd be— would be the word, right? Like, no one's— people aren't trying to be rich. People just want to live a fun, enjoyable life. And, uh, yeah, I feel financial, uh, you know, literacy, at least in my aspect, is a way for me to give back from my experiences of hitting lows, from bouncing back, from hitting lows, from bouncing back, and, you know, just sharing my journey. So if someone can, you know, learn from Flush, which is more or less my character, uh, of the ups and downs and, you know, ultimately hard work and, and, you know, continuously giving and going at it, right? You know, waking up every day with the same positive attitude. Eventually you get there, right? Eventually you, you, you get to a place where you're comfortable and you're able to sustain yourself and give to others and you start sharing.

And one of our, one of our main focuses too is obviously when we, we are going to launch this, it's going to be in English and Spanish, like It has to be because LATAM is such a massive market. And, you know, there's a lot of people out here that really understand, you know, just look at what's going on in Argentina, like what they have, like 60% inflation for pretty much every year ever. And it's over 100 now. And it's just like people are craving for this. So, so in, in Panama, like in, in this time that I met Alan, we were working with another project, but we had an opportunity where I do a lot of volunteering. I just, I'm just a caring, giving person. And in one of the government buildings here between Alan and myself, and one of our other business partners, Jasper, we built a state-of-the-art computer lab for the inner city kids, and it's called El Bloque, and it's in one of the government buildings. So we put 11 brand new computers, and what we want to do is we want to give the people an opportunity to understand just technology. We're giving them state-of-the-art, you know, Adobe Suite and trying to— how to be graphic designers. But we're also going to bring our financial literacy course into there. So these kids are going to get an opportunity where in places they might not even have internet, let alone Ethernet, let alone a new computer. We're going to be able to teach these kids and give them an opportunity, you know, because I think there's a lot of people that have a lot of potential, but they just are never given the chance to open it up. And if we can just start to be able to go and you change one and it changes the other, and that's just how the ripple effects goes, right? There's somebody else, wow, look at so-and-so in my community, look at what they've done, and I want to be like that. And then every— and then it starts to change the way the kids think, and then maybe it changes the way the parents and the aunts and the uncles and the grandparents. Before you know it And that's how you can change a community, but it just takes one, but you've got to give them the opportunity.

So absolutely. Well, this, this is amazing. Um, I think we'll draw to a conclusion shortly, but I've really appreciated the conversation and the very vast, you know, broad breadth of topics and, and, you know, areas that we covered today. It's been incredible. When, when, when are you thinking that your product's going to be available? To the general public?

That's going to be the fun part, right? It seems like as much as we want to showcase it, we also know that there's only one time to be first, right?

Like there's—

yeah, we said we need to make sure that it's captive, it's engaging, it's been vetted. We have the support of professionals to launch this into their communities and feel that we have the background and the information that is tangible and, and needed. I, I think we're, we're very close. We completed our first episode of the animation. Uh, we're getting feedback on rest of the scripts. Uh, we, we can't— once the animation's done, it's hard to go back and change scripts. So, yeah, yeah, you know, we're also looking for partners that might want to get written in. Uh, the, the— this financial world and landscape is ever so ever evolving, and I believe we're on the cusp of a lot of changes with BRICS, with the new partnerships on trade. And I think that's really, really going to revolutionize the, the financial markets. And, and I want to be on the cusp of that. I want that information to be discussed and, and have a, and, and have a place people can go to get current information that's not outdated on, on our monetary policies. Uh, our first, uh, our first course is, uh, in development. It's almost— it's halfway done. Uh, once that one's completed, we can get our second course in. I'm not sure if we're going to release— we think we're— our goal was to release the first course, but ultimately, with the way things are going, I think we might wait for the first 6 courses to be done and roll them all out together.

We're going through a bit of a pivot right now. So I would say realistically for December is when our target is. We could probably get rid of— get most of it out. But as you said, you have one shot, you got one crack at this. So our target is in December to be able to have just a functioning everything, come in, test it out, and that's it. And also too, because just, uh, like e-learning's up 900% since 2020, it's a massive growth market. So if anyone's interested to say, hey listen, you know what, I think there's an opportunity here to get into the edutainment, to get into something where you're talking about just a revolutionary product, if you guys want to hit me up, whether it be brand partnerships, you can say, hey listen, I'm a great educational provider, I have a lot of value, I think I want to be able to help out, absolutely hit me up on LinkedIn. I'll be— I'll email you all my LinkedIn stuff if you want to drop this.

Thank you, that would be awesome.

Yeah, um, yeah. And then also too, as an investment opportunity, so probably what we'll do is we'll open up a round of funding coming up in the next, uh, I don't say 2 months, uh, when we're ready ideally. So we'll say, hey listen, here we are, here's what's going on, here's our clear vision, and if anyone wants to get into a project like this nice and early Yeah, keep an eye on us.

And then, uh, yeah, we do got one— we got one thing that we're really excited about that, uh, you know, as much as this product, you know, I'm always about creating a vertical business model, right? Because, you know, it should be just like, just like farming, right? Everything can kind of— should be an ecosystem, just like the economy, right? Where it just feeds one to the next to the next. And one thing that we were always— we're looking for was, uh, something— an actual game that would be fun and exciting and. And we came across a, a true developer in the sense of, you know, he's on the cusp of development. He's in— he's, he's a, he's a financial— he's from finance background.

Oh wow.

Yeah, he came, he's like, Alan, look, if we can make this, uh, an economic, uh, simulation where it's a team effort, you know, like the, like we, like the world is, right, where it's all a team, right, uh, it needs all of us to function properly. And we can create this simulation game of an economy from, from farms to table, you know, to the grocery store, to the clerks, and, and show how a proper economy should run, you know, I think we'd really be on to something. And it kind of blew my mind for, for the sake that I don't think any of us know what a true economy should run like, you know, because I don't think any of us have seen it. I've never seen it here in the States, any other country, you know. And I don't even really think, you know, companies that are successful have one because they usually get government They usually get government grants. They usually don't have to pay taxes. So I don't think Apple knows how to run a true economy because they're getting free money. They don't have, they don't have to deal with the real effects that a normal employer would, you know, normal entrepreneur has to deal with because they get all these government grants. And, and I'm like, you know what, this would be really cool. So we've really been hedging, we've really been working on this one for the last 2 weeks to tie this one down. And it would be really awesome to launch with this simulation on top of our courses and really, uh, you know, create something really engaging for the average person to want to, you know, get more of, right? We want people to want to come to our site, feel like, wow, this is cool, I need to tell other people.

Yeah, we, we have a few, we have a few tricks in our sleeves that we're really planning. But I kind of, I'm picking up from the conversation, you're pretty connected in the music industry. From, so maybe also too, just through your connections, if you know of anyone that says, hey, listen, like, I've had a pretty amazing career, I want to be able to try to help out in other ways, I love what you guys are doing, but if somebody also wants to be able to say, hey, listen, like, you know, not only did I do this in my life, I'm helping out here, but I'm also part of an educational partner. Let us know. Like, we'd love to tag up with somebody that just wants to say, hey man, I've had an epic life, I want to be able to give back and be part of something. That'd be fantastic. You know, great collaborations with influential people who have done amazing things for decades would be awesome. That's really— and it's going to be all about the community and who's involved and what's involved and how are we going to get reach out. So I was—

I think that's great because, you know, there's a lot of musicians that before, you know, some never get famous or successful in the terms of earning a serious amount of money through music. And, you know, you could compare that to sports as well. There are some extremely well-paid people, there are some people that are really great that aren't in the position or don't get the opportunities or whatever the reason is. But I think It's easier to see people that have made it, that have had those downfalls or those— I can't remember how Lynn put it earlier, but you look at Simon Cowley, who's down to his last £5 note, $5 bill equivalent in the UK, that he got to a rock bottom. Obviously, it wasn't an overnight that he became famous and successful, but it took him to get to that point to bounce back and figure out the lessons. And I think if we look from a consciousness standpoint, Most of— most people are looking on the outside. Oh, this person did something to me, or because of this I'm a victim of whatever it is. And that's not to say all victims, but a lot of people are looking outward. Once you start to look inside— what I think, once you hit that rock bottom where there's nobody around you, not that you're deserted, but you're in a place that you can only look inward— that's where you can start. Once you conquer the self, then you can help, help people on the outside much more easily.

100%.

So perfect. Yeah, let's, let's talk some more about that because I've got some ideas and I think there's partnerships that we can definitely talk about setting up. And, and I'd love to, you know, would be able to bring—

we, we, with what our roadmap, we can talk a little more in depth. We got some pretty exciting things, so it's, uh, we don't want to see too much here, but, uh, yeah, we'd like to open up the hood a little bit more and let you guys know what's going on.

Right. Yeah, project just keeps growing from a concept, you know, from a, from a joke, from a you know, hey, let me make a logo, let me make a logo to make fun of my friend, into, into what we can accomplish. It's been, it's been great, you know, and it's nice to take my little 5, 6-year-old son on the journey. Uh, you know, he loves toilet paper hands, he, he loves the, the fun aspects of trading, and he's reading charts and like, Daddy, it's green, you need to sell. Daddy, it's red, buy. And it's like, yeah, that's how simple it can be, you know, like it doesn't need to be too complicated.

Yeah, awesome. I really appreciate this. This has been a great talk for sure, Trystan.

Are there any— is there any gems or comments or anything you want to share with us before we, we, we end the, the episode?

Uh, we have more to come, so we'd love to, you know, get on here when we do have everything ready to release, you know.

Yeah, yeah, for sure. And if anyone watching this, like I said, is absolutely interested, uh, I emailed you all my links and stuff like that. If you want to drop it in, hit me up. Definitely open to good collaborations, whether it be if you're a content provider, maybe you're an organization, maybe you're a bank, maybe whatever you may be. Just if you want to reach out and be part of this. And just like I said, man, we change a kid, we change the world.

I appreciate you both. Thank you, Alain. Thanks, Randy. I will see you all on the next episode of Birth to Net Worth.

Thank you, guys. Thank you.

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