How much of your life is controlled by programming? If you’re looking to make more money you have to look at what’s blocking you today and transform yourself into an earning machine. It turns out that the key to earning more is right between your ears. Brandon Epstein works with top professionals (athletes, CEOs, entrepreneurs, and high-level executives) to help them achieve even more. You’ve heard us say many times that great people surround themselves with amazing individuals. Brandon IS that maker of amazing talent. He doesn’t create talent. He teaches you how to tap the talent you know is waiting to be deployed. We’ll talk about mental blocks, societal programming, identifying those blocks, and how to break free of them on today’s podcast.
But before that we ask the question, can you trust online reviews? We not only walk through how many of your favorite sites are manipulating their review systems, but we also give you a better method to find and keep talented people around you (or amazing companies that you should work with). We also take a call from a Stacker who wonders how to be better with money AND we dive deep on Doug’s incredible trivia question.
Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201
Enjoy!
Our Headlines
Brandon Epstein
Big thanks to Brandon Epstein for joining us today. To learn more about Brandon, visit Home – Brandon Epstein. Grab yourself a copy of the bookProgrammed To Fail: How to Break Through Your Mental Blocks and Achieve Greatness
Doug’s Trivia
- If you take a bath on a stock, how many days are you required to remain inactive on that stock in order to claim it as a loss on your taxes?
Better call Saul…Sehy & OG
- Stacker Sarah left us a note in our Facebook group, The Basem*nt, asking us what she should do with a fat stack of Benjamins she has sitting in cash at her Fidelity IRA.
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Tune in on Wednesday when we look into one company–Open AI– and the story of THEIR board of directors. We’ll use it as a case study for YOU to manage your money better.
Written by: Kevin Bailey
Miss our last show? Listen here: Does More Money Equal More Misery? (SB1525)
Episode transcript
[00:00:00] Joe: It’s Monday. And you know what that means, guys? [00:00:03] OG: Uh, time for Doug to sober up, [00:00:08] Joe: splash some water on him. Quick blasphemy. We got a show to do. Doug, Doug’s on a bender. Well, here’s some coffee Doug poured in your mug because we’re about to salute the people that allowed you to have that better coffee in those things. [00:00:24] Joe: Coffee bugs, not just for coffee anymore. dm, we’re gonna salute the people that allowed you to have that bender. Doug, here’s to our troops. On behalf of the Men and Women Making podcast in mom’s basem*nt, and the men and women serving our troops and the veterans and their families, members of the DOD, our Friends at Navy Federal Credit Union, big salute to our troops. [00:00:48] Joe: Let’s go stack some Benjamins together. [00:00:51] bit: Ladies and gentlemen, we have a big show, a real big shoe [00:01:00] Doug: Live from Joe’s mom’s basem*nt. It’s the Stacking Benjamin Show. [00:01:14] Doug: I am Joe’s mom’s neighbor, Doug. Today you’ll learn how to bust through mental blocks and lock onto success. With Mental performance coach Brandon Epstein in our headlines, how do you choose a financial advisor? Is it the same as a good restaurant? Me? I’m picking the advisor that has free breadsticks, but one watchdog says to beware of online reviews for well anything. [00:01:37] Doug: We’ll talk about reviews and financial advice. Plus we’ll answer a question from Sarah who thought, you know, I’d better call Saul. See hi and OG about my rollover, IRA with the market hitting recent highs. Should she invest it now or wait, and then I’ll share some two piece trivia. And now two guys who are inexplicably shirtless today. [00:02:00] Doug: God, I hope they both lost bets. It’s Joe and oh, [00:02:12] Joe: hey everybody. Welcome to the, let’s make it creepy at the card table Monday. I’m sure Soci average Joe money on Twitter and uh, mom was running the washing machine and so, oh gee. We had to, we had to get that shirt in. Otherwise we were gonna have to do it ourself. Doug, we didn’t wanna wash our own shirts. [00:02:29] Joe: It’s my summer bod. I’m just doing this whole show with my eyes closed. Yeah, time to bring that whole thing out. Well, welcome to the show everybody. You made it. You found us. It is Mentor Monday. I love Mentor Monday because we always have some great, great people. And Brandon Epstein as Doug, you so eloquently said, gonna help us today break through those mental blocks. [00:02:48] Joe: And how often, how often OG do you see that the plan doesn’t work versus we just blow ourself up, we blow our plan outta the water? [00:02:58] Speaker 5: Hmm. [00:03:00] Speaker 5: It has a lot to do with what’s between those ears, as they [00:03:03] Joe: say. Brandon’s gonna help us out and man, just, uh, knowing a little bit about what he’s about, I think it’s gonna be a surprising segment. [00:03:12] Joe: But before that, a big headline and even before all that, to keep the show free, we have sponsors, and by the way, we have them early in the show and just at the trivia, so we have the second half of this show ad free. But you know how you can help the show, well help our sponsors and here are a couple of our amazing sponsors right now. [00:03:32] Joe: Brandon Epstein, waiting upstairs, talking to mom. So let’s get this show rolling. [00:03:37] bit: Hello, doling. And now it’s time for your favorite part of the show, our Stacking Benjamins headlines. [00:03:44] Joe: Our headline today comes to us from Kiplinger. This piece is written by h Dennis Beaver, Esquire, Esquire on the end of his name. [00:03:52] Joe: Are you doing that? Just to, just to taunt me, Esquire. What? [00:03:55] Doug: The Esquire, I don’t. Does that mean you’re a, you’re an attorney? Well, is that what that means? Esquire, first of all, not Esquire. Esquire. Esquire Insurance. At one point it was a gentleman, somebody who had reached social gentleman status, but then, yes, it was also co-opted by the legal community to mean that you were a barrister or a lawyer. [00:04:19] Doug: Please. Let’s go on talking about Beaver Quire. [00:04:21] Joe: Yes, we, we use them all the time. Dennis writes, should we just call ’em the Be the Be Rights? We use them all the time. Yelp, TripAdvisor, BB, B websites to post views by customers, clients, and patients of all sorts of companies and healthcare providers. But can we trust these reviews? [00:04:40] Joe: Are the websites that post them taking steps to assure they’re legit? Well, no and no says k. Dean of San Jose, California. A former criminal investigator in the US Department of Education’s, office of Inspector General Dean’s Pat. Experience with the healthcare provider with glowing reviews letter on a journey into the expansive realm of fake online reviews. [00:05:00] Joe: Kay says, I no longer putting out to trust in any online review site. She says she’s the founder of Fake Review. Watch og. You know, Tina and I on our team took a class on social media through MIT and learned that if you are a business, you can’t afford not to play the game. But there truly OG is a game going on when it comes to reviews. [00:05:22] Joe: And we actually walked through how restaurants can mitigate bad reviews. If a bad review comes in, they just post three good reviews afterwards and it looks like Phoenix from the fly. Oh, look at this. The restaurant got their act together. And by the way, everybody goes online looking for the bad review. [00:05:39] Joe: So another thing that happens is competitors, if it’s a cutthroat business, competitors will go and they will post crappy reviews about their competitor. What’s interesting as I read this og, and if you want, we can talk about restaurants or you know, Yelp reviews, but I’m much more interested in why don’t we see more online reviews of financial advisors, because, you know, people look online for these review sites about how different advisors do, and you just don’t find them. [00:06:08] Joe: Why is that? [00:06:09] OG: Well, you’re starting to see a little bit more of it now than you have over previous years because the SEC was very particular about this in terms of reviews and ratings. You couldn’t solicit that information. You couldn’t prevent somebody from posting on Yelp about you if you were an advisor, but you really didn’t encourage it. [00:06:28] OG: They made a change probably about a year and a half ago, where now you can use online reviews or you can solicit that information, that sort of stuff. But there’s a lot of rules around it and, and the biggest one is, is that you can’t edit them and you can’t put them in a different order. So you were talking about the restaurant business who gets a crappy review and then. [00:06:48] OG: Loads it up with a couple other ones, or the backstabbing business who goes in and, and you know, takes ’em down or something. You as the business owner, if you own the restaurant, can edit that. You can make a comment to it. You can, you know, and you see that a lot. I see it a lot with hotels, right? It’s like, oh, this hotel was, didn’t meet my expectations because, and then there’s usually a comment by the gm, Hey, sorry about that. [00:07:10] OG: We did this, this, and this, this to fix the problem. But in the financial advisor world, or in the investment advisor world anyway, broker world, you can’t edit ’em and you can’t put ’em in a different order. They just have to appear in the manner in which they appeared. So because of that, there’s a, a far fewer number of people. [00:07:28] OG: Plus then the SEC wants to investigate or has the ability then to investigate how do you prove that you didn’t edit them? Right? Wow. Oh, wow. You know? So the SEC comes and does an audit and goes, oh, we noticed on your website you have, you know, glowing reviews from your customers. You’re like, yep, sure do. [00:07:45] OG: How do we know you didn’t change ’em? Uh, I, I didn’t, yeah, but show us how you didn’t change it. Wait, what? So burden of proof is on the advisor. It’s always been for compliance, Joe, I mean, for God’s sake. You used to do this for years. Sure. So proof to us that you didn’t send an oh, inappropriate email to somebody or, you know, you’re like, I, I, I mean, you have all my emails, right? [00:08:06] OG: Well, Dewey, I, I don’t, I think you do. What do you think? And we have all, all, you’re like, wait, wait, how am I in trouble for this? You know, how do they prove the negative? Exactly. So the compliance consultant that we use, and I think, you know, a lot of people think this way are kind of on this train. It’s pretty slippery slope. [00:08:25] OG: And it’s like, is the juice worth the squeeze? Even insofar as not even having like LinkedIn reviews, you see some advisors will do it, but again, who would I ask to have a LinkedIn review? Am I gonna ask the clients that love the work that we do? Or the ones that we’re not satisfied? You know what I mean? [00:08:41] OG: So now how, how do you. You know, I don’t know. So I think a lot of people just stay away from it. [00:08:46] Joe: Well, and that is frustrating. You know, when I was an advisor, and I don’t know if people still do this og, but people would, you know, they’d come in for that first meeting and you’d have a great conversation. [00:08:53] Joe: Like, okay, we’d like a couple references and, you know, I was happy to give them, yeah, call these people and talk to them. But in the back of my mind, I’m thinking, who the hell do you think I’m gonna give you? Right. Oh, [00:09:04] OG: I, I overtly say that, you know, I think that’s a very good point because just like any business, right? [00:09:10] OG: Like, how do I know you’re gonna do a great stain job on my fence? Well, here, why don’t you go ask the neighbor who I did a great stain job. You’re like, oh yeah. What’d you think? Oh, it was great. They’re not gonna tell you about the one that they screwed up. You know? [00:09:21] Speaker 5: Yeah. [00:09:21] OG: You have to go find that on your own. [00:09:24] OG: You know what I mean? Like, you have to go, you have to, as a consumer, go find the person who was not happy. And for the reasons why I was just telling somebody this story, I get a lot of grief about this, but I, I will always pay with a credit card when possible, even if it costs me. The 2% or 3% more. I think that’s a BS V, but you know, I get it. [00:09:44] OG: As a business owner, sometimes you gotta charge that because you’ve got the backing of that organization. Visa, MasterCard, American Express. And we had a home project done in our house in outdoor patio area, and it was, it was bad. The, the company did a bad job. They came out a couple times to try to fix it and eventually they’re like, look, this is as good as it’s gonna get. [00:10:03] OG: Tough patties. And it was a $10,000 project. And I’m like, no, not tough patties. Wow, this leaks like a sieve man. Like the whole idea is for it to be waterproof. And so they wouldn’t, they weren’t calling me back. So I called American Express and Amex took care of it, took care of the bill, and the business owner was super mad about it. [00:10:21] OG: And I, and I said, well, you know, come fix it and I’d be happy to sign another contract and pay you. I just, I’m not gonna pay for a half finished project. Funny story. So fast forward, probably about six months. A company shows up on my Instagram feed. This was back when I used Instagram. She shows up on my Instagram feed with the same product. [00:10:38] OG: I was like, oh, maybe I’ll call these guys because they seem to know how to, maybe they can fix this problem. Oh no, it’s the same company. Same company. They shut another company, started a new one, changed their name, changed all the branding on all their YouTube stuff. It was the same guy posting the same stuff with a different brand on it. [00:10:53] OG: I was like, nice. So then I went to the Better Business Bureau, looked at the old company and all of them had the same comments. This guy’s a con artist, doesn’t do a good job, dah, dah, dah, dah. So all he was doing was, wow, great at social media and marketing. To your point about reviews and all that stuff, Joe, it’s like you’d look at it, you go, oh, this is great. [00:11:09] OG: Look at all this great stuff. Then when it blows up, shuts the company down, starts a new company and goes, look at how great we are with all the same content. So, you know, you gotta be careful. [00:11:19] Doug: My other thought on reviews of financial advisors is a little bit like doctors, and there’s probably three other analogies I’m not thinking of. [00:11:28] Doug: But it is such a personal service that unless my financial advisor was an absolute thief. Not even just, uh, you know, I didn’t make much a partial fee in the market as I thought I should have, but just like flat out was a con artist and stole money, I’m probably not putting a bad review out there. Nor am I gonna do that for my doctor either. [00:11:48] Doug: It’s just, it, you, I’m like, I’m way too close. You have a, a very personal relationship with that service provider as opposed to a hotel or a, you know, a deck guy or something like that. I brush my teeth twice a day and, and I still got a [00:12:00] OG: cavity. This guy sucks, [00:12:03] Doug: right? I wouldn’t anticipate as many detailed reviews, frankly, one way or the other, positive or negative in the financial advisor space. [00:12:12] Joe: I remember to your point, Doug, that people only write reviews. This is from the course we took. People only write reviews if you’re incredibly, incredibly happy or you are very, very, very disappointed. And what’s funny is, is that our professor, a guy named son Oral, who was instrumental in the creation of lots of internet companies, was talking about how in, in, in, in real life your average experience is about a six or a seven, but when you go on online reviews, there’s tens in the ones nine. [00:12:45] Joe: A deep nothing and then two in one, right? I mean, it’s 10, nine and two one, and there is no, there is no middle ground. That’s [00:12:52] OG: really true. Even on Amazon, right? You’re trying to find whatever, and there’s maybe a couple generic brands, and you see like a bunch of fives and fours and a bunch of ones and twos. [00:13:01] OG: You don’t see a lot of threes not, not a lot of met expectations, [00:13:04] Speaker 5: right. [00:13:05] OG: You know, serviceable. [00:13:06] Joe: Yeah. Oh, eh, it did what I thought it might do. It’s okay. [00:13:09] OG: Yeah. It’s either like, [00:13:10] Joe: this blew my mind 85% of your transactions. Well, and to your point, Doug also, like with my dentist, I, my former dentist, I didn’t, I didn’t love, I loved a lot of the people in, in his office. [00:13:22] Joe: I like the hygienist that I have, but the dentist himself didn’t really love him. But it’s a small town here and, and I really not that excited about posting a review about that. In fact, uh uh, this woman, Kay Dean is talking about how difficult it is to know also when there’s fake reviews. Dean points out that even the Better Business Bureau websites become polluted with review fraud, hosting plenty of fake reviews. [00:13:47] Joe: She said that there’s a robust black market that exists for reviews, including several marketers and Facebook groups that offer to sell reviews. So these businesses just go and they buy people to review their stuff. What’s frustrating is, is og we think often that if we go online, we’re gonna find, you know, if I look third party, I think I’m gonna find reasonable stuff. [00:14:10] Joe: So I’ll do a Google search. Bing, right, is what we should be doing. Everybody knows, but we, I just said that to get the Doug reaction and I got it. That was good. But heck, there is, on my Flipboard, there is a company who always comes up a website called Moneywise. And Moneywise always has all these financial pieces, every single financial piece ends in. [00:14:35] Joe: A solicitation to go buy something they always folded into, well, you know, like they talk about bad podcasts, they’re like speaking about sleeping better. You ever been on a Casper mattress? You know, and it’s just the discussion folds right into, into the, uh, into the product. Every single moneywise thing that I read folds into it. [00:14:56] Joe: And it’s funny, I only noticed it after I read like 20 of them. And there’s one little tiny line in fine print at the top of every Moneywise article that says, while we adhere to strict editorial guidelines, partners on this page also provide us earnings. So it is disclosed, it’s in little tiny fricking letters at the very top of the piece. [00:15:19] Joe: And they begin the sentence with, we have very strict guidelines. And you know what the strict guideline says, guys? It says we’re gonna end like every, every Disney ends under every ride in a gift shop. Money-Wise, ends every single article with a pitch to go get an affiliate product. Well, but how is that any [00:15:36] OG: different than anything else? [00:15:37] OG: I mean, like if you look online and you’re trying to find a video about, you know, you wanna buy a new lawnmower or you’re looking at skincare lotion or, so like everything is some sort of product placement. And the stuff that you get fed is the people or the companies who have done the best advertising. [00:15:57] OG: It’s not the best product, it’s the people that have the deepest pockets for the best advertising. And I mean, just speaking about the financial planning world, right, the investment planning world, who’s the number one most advertised company, would you guess? Ken Fisher. I mean, I don’t, I don’t know if he is or isn’t, but his, it’s gotta be everywhere, right? [00:16:16] OG: Freaking fisher. It’s gotta be right. How many people would go like, oh, you know what? That’s, that dude’s probably pretty good. That company’s probably pretty good. He’s gotta be good. He’s gotta be him all over the, I mean, he’s all, he’s all in the news. Well, is it because he’s good or is it because he has a lot of money to be on the TV all the time and advertise is really good. [00:16:34] OG: You know, it’s. He’s, he’s really good. Doug knows, [00:16:38] Doug: duh. How did he get that money? ‘ [00:16:39] OG: cause he is really good. All of those things are the same, right? I mean, whether it’s cars or yogurt or anything. So it’s not the best product, it’s gonna be the something that’s for [00:16:48] Doug: listeners, I know I’m stepping on you here, og, but for listener’s sake, are there any key words, any specific topics that they should look for on reviews about financial advisors that would make them realize, Hey, this is real, or B, that’s the stuff I care about that I would make me wanna call that advisor? [00:17:04] OG: No, I don’t think that any review is gonna be worth a darn for this reason that you’re. You know, that the article was talking about before because there’s too many ways to manipulate it and frankly, about what you said earlier, Doug like your physician or like your CPA or you know, your car mechanic, it’s really somewhat relevant to what you need at that moment. [00:17:24] OG: And um, and is it a personal relationship that you wanna hang out with for a long time? I don’t think that you get really great medical advice by bouncing around different family doctors every year just ’cause this guy charges a little bit less, or this guy or gal did a, a test a little differently. And I don’t think that that’s gonna be true with financial planning either. [00:17:44] OG: I think you find somebody who can help you and your family that you get along well with that. To your point earlier, don’t have any like gigantic red flags or any for that matter. And you can search that stuff, you know, pretty easily on the SEC website to make sure that there’s not the big red flags. [00:18:00] OG: Otherwise, the best way to get recommendations if you’re just kind of starting from scratch is the people that are around you that are doing the right stuff with money because they may have a person that you can at least start in terms of interviewing. That’s so the takeaway is don’t waste your time. [00:18:15] OG: Best [00:18:15] Doug: save your time by listening to us not reading reviews. [00:18:18] OG: TLDR, is that what you’re, you’re asking for the TLDR at the end of the Reddit post? [00:18:22] Joe: Yes. Well, it’s funny that you say that. Doug and, and og, you were spot on. K Dean, this investigator says the same thing, and it reminds me of exactly what Dr. [00:18:32] Joe: Thomas Stanley said. Of course, he had the amazing book, the Millionaire Next Door. Then he had a couple other books he had Marketing The Millionaire Next Door and Networking With a Millionaire Next Door. And in those books, what he told marketers was the way that wealthy people actually get services, the way they buy services. [00:18:53] Joe: I. They talk to each other. Wealthy people don’t have time to mess around with on online review sites. They don’t have time to mess around with advertisem*nts, figuring out if it’s good. You know what they do? They go right to other people who are successful and go, you’re successful in this area. Who do you use for this service? [00:19:10] Joe: I mean, this is true for everything, [00:19:12] OG: isn’t it? I mean, in terms of time and and energy expenditure. If I was gonna go, Joe, you just came back from a trip to Boston. Maybe we’ll talk about it in a little bit, and you did some family, a family vacation. Then, then, then a little bit of time with you and your bride. [00:19:25] OG: Like if I was going to the Northeast for vacation, I wouldn’t like, there was no way that I would just like start Googling things to do as a family in Boston or Martha’s vi. I would be, I, I would just say, Joe, what, what did you do? We have a friend that goes to Europe. I know Bavaria. If I was gonna go to Bavaria, IW well, actually I probably wouldn’t ask you because I don’t wanna hear the story a thousand times, but, but you know what I mean? [00:19:47] OG: Like, you just go, oh, you went to the beach. What beach did you go to? Did you use Airbnb or VB? Like, here’s the house I stayed at. It was really close to the beach and this is where we ate breakfast. You’re like, sweet Joe. [00:19:58] Doug: Don’t press hard three copies. Don’t do it. Joe. Resist the urge, Joe to what he’s using. [00:20:03] Doug: Travel as an example. Don’t tell us a travel story. I, I don’t know that I [00:20:09] Joe: have one. Reminds me of a time when I was, I do think it is, I do think it’s the way everything works. I think it is. Yeah. You look at successful people, they ask other successful people in that area. Hey, you know, you, you seem like a very healthy person Who’s your doctor? [00:20:22] Joe: You seem like you know, what routine do you follow? Yeah. What’s your workout? What are the things that you do? That is a far better way, especially when you have these people. I mean, I saw an influencer just last week talking about how, how you can’t trust financial advisors. Even fee only financial advisor. [00:20:41] Joe: She was saying, you can’t trust them. And her very next Instagram post was an affiliate post, which is, by the way, makes her a commission advisor going, this is the high yield savings account I use. You should click on this high yield savings account. Really? So you’re saying that I should not trust a fee only advisor, and yet I should trust you who are a commission based salesperson who’s, you know, acting like you’re, it’s, it’s just all gross. [00:21:07] Joe: Just go ask people that are successful at this. [00:21:09] Doug: So the, the title for this episode should be The Secret Millionaires Don’t Want You to Know. Right? Exactly. We should. I was banned by YouTube for this hack. Ask your friends. They ask their friends. That’s how they got to be millionaires. [00:21:21] Joe: No way. This piece gets even more disturbing about how companies like Facebook cannot be held accountable, uh, for fake reviews on their site, and they do very little to police that. [00:21:30] Joe: So if you wanna dive more into this, we’ll have it in the show notes. We’ll also have, of course, deeper dives in our newsletter, the 2 0 1 tomorrow on all of this, uh, stacky Benjamins dot com slash 2 0 1. And we’ve got a, uh, we’ve got a contest that ends today if you’re listening to us on the day of, and we’ll get into exactly what that’s about. [00:21:48] Joe: But we’ll send you to your favorite park, state Park, national Park, regional Park, whatever park you wanna go to. We’ll pay for the summer for you. Uh, but that’s coming up later in the show, show Baseball [00:21:57] Doug: Park. How about season tickets to the Tigers [00:21:59] Joe: Hard Pass. We are not made of money. Doug. If maybe your favorite? [00:22:05] Joe: Uh, no, I’m not even gonna say that. I’m not gonna joke about like other baseball teams. No, not gonna do that. Uh, coming up next, man, Brandon Epstein, our mentor today, a mentor Monday. He is a force of nature. He’s helped countless pro athletes, entrepreneurs. Business executives realize their full potential. [00:22:25] Joe: By the way, when they come to him, they’re often at their lowest point. ’cause he’s a guy that, that helps successful people. Who are already doing amazing things, becoming more amazing, in fact, on this little tiny show called the Joe Rogan experience. Not sure you guys have ever heard of this Rogan. You guys ever, is it Joe Rogan? [00:22:43] Joe: It is Joe. Maybe I should listen more. MMA fighter Sean Brady called his work with Brandon quote, A game changer, super middleweight champion Boxer Shane Mosley Jr. Said Brandon’s mental training. It’s been highly beneficial for both in and outta the ring. Brandon helped me bulletproof my mind and win my championship belt. [00:23:00] Joe: If you wanna win the championship at whatever you’re facing, whether it’s work, family life, whatever, knuckle sandwich, Brandon’s gonna bring it today. Yes. But before that, speaking of bringing the knuckle sandwich of trivia, Doug’s got it for you. Pow, [00:23:15] Doug: pow, pow. Hey there, stackers. I’m Joe’s mom’s neighbor, Doug. [00:23:20] Doug: On this day in 1946, the bikini made its debut in Paris. Wow. First they revolutionized kissing and then bathing suits. Mer sea bag, get French folks. You know, I’ve even heard that some peaches in France allow topless bikinis. Wait, wouldn’t that be just akini then? Well, either way, I’m taking my top off now. [00:23:42] Doug: While the French were busy inventing all the things that make life worth living, people in the US insisted on holding onto puritanical values for just a smidge longer. It wasn’t until Ursula Andres wore a belted two piece bathing suit in the 1962 bond film, Dr. No, that many American women made the bikini part of their summer wardrobes. [00:24:04] Doug: One more reason. I thank God for James Bond. You know, bond and I are alike in many ways. We’re both brave, sophisticated, and carry really cool gadgets. In fact, Daniel Craig’s Bond is the reason I switched to ultra short swim trunks. I had to retire him after that one summer though too many people fainted. [00:24:22] Doug: But now, like normal people, I only wear ’em in the bathtub. One bath you don’t need a sexy suit for is when you lose a lot of money on a stock. So today’s trivia question is, if you take a bath on a stock, how many days are you required to remain inactive on that stock in order to claim it as a loss on your taxes? [00:24:42] Doug: I’ll be back right after I see how I’d look in a tanking. [00:24:54] Doug: Hey there, stackers. I’m Fran Aile, and probably the next James Bond. Joe’s mom’s neighbor, Doug. You know, the term bathing suit is a little misleading. I’ve never seen anyone take a bath in one. Not that I’m watching people take baths recently since a court order. Hey, speaking of baths, today’s trivia question is if you take a bath on a stock, how many days are you required to remain inactive on that stock in order to claim it as a loss on your taxes? [00:25:23] Doug: The answer, while you’ll still lose money on the loss of the stock value, you’ll be able to claim the financial hit on your taxes if you can manage to keep yourself away from that particular stock for at least 30 days. And now here to help us kick off the second half ad free portion of the show and to teach you how to manipulate your mindset to overcome failure and reach your full potential. [00:25:47] Doug: It’s today’s mentor, Brandon Epstein, [00:25:51] Joe: and I’m super happy he’s joining me at Mom’s card table. Brandon Epstein’s here. How are you man, [00:25:56] Brandon: bro, I’ve never been better, honestly. I’m here. I’m present, and life is good. [00:26:01] Joe: You know what’s funny? That’s exactly after reading your most recent book that I expected you to say. [00:26:06] Joe: ’cause that is totally, that is totally you being present. And I wanna start here because this is gonna be stacker’s a really heady topic, but we all have this negative self-talk, right? You point this out that so much, I think you said 80% of our thoughts are negative, but sometimes it’s even bigger than that, Brandon. [00:26:25] Joe: Like, we’ve got these things that happened to us in the past that we just keep bringing up and up and up again. And I kind of feel like in some ways it’s PTSD, right? We’re still caught in this past loop. You call it a core wound. What is a core wound? I think we should probably start with that definition. [00:26:42] Brandon: Sure. I mean, I’d say a core wound is something that happens to you. I. You see early in life during your primary programming years. So we’re getting most of our programming that’s making us who we are and telling us how to interact in the world between the ages of zero and seven. It’s something that happens from zero to seven that has such a profound emotional impact in our lives, and usually negative. [00:27:05] Brandon: That’s why I call it a wound. It leaves a bunch of scar tissue, and that scar tissue is all these subconscious programs that are there to protect us for the rest of our life. So whatever trauma we went through won’t be able to get to us again. And unfortunately, a lot of adults are still walking around with that same core wound and that same programming, those same defense mechanisms, which sabotages their ability to make more money, have better relationships, have better health, and most importantly, peace in the present moment. [00:27:32] Joe: A lot of times people won’t take something that happened before they’re seven and take it, you know, maybe in their thirties, their forties, whatever, fifties, and they don’t think about this still affecting them today. But in your coaching business, I know you see this all the time, you were someone that had a very, very deep core wound. [00:27:51] Joe: And just so people know that you’ve been through this yourself, if you don’t mind, let’s go there. Yeah. You had something happen to you when you were young that involved your brother. [00:28:02] Brandon: Yeah. Yeah. Happy to talk about it. ’cause you know, on the other side of it, it becomes, matter of fact, when you go beyond the story. [00:28:08] Brandon: When I was probably around seven years old or so, my brother had down syndrome and he was starting to go through puberty. He was five years older, he was 12 and he may have gone through something we think at camp, or he went through some kind of sexual abuse. And basically when he got back from camp, he came back and acted that out on his little brother, which was me. [00:28:26] Brandon: And at the time, you know, 7-year-old, I didn’t really know what was happening, but I was participating more out of just, I guess, curiosity and more so than the event itself was traumatizing, was everything that came after the event. All the shame, because I was told by my parents at a very young age, you know, five years old, Hey, your brother may be five years older than you, but he has Down syndrome, so you’re the big brother. [00:28:49] Brandon: And so I believe that I was responsible for that relationship since I’m responsible for the relationship, even if I didn’t want necessarily that event to take place, I felt like I still took ownership over it, even when I talked about it, when I got a little bit older with my parents. It was kind of like, Hey, what do we do with this? [00:29:07] Brandon: Like there’s nothing really to say you’re not gonna make your son with Down Syndrome wrong. And also what can you say to your son who’s been through that kind of sexual trauma? And so for me, I just owned it and that solidified his scar tissue as believing I was worthless. Really? That may sound extreme, but that’s just how it got programmed into me. [00:29:26] Brandon: It’s like you were a sponsor for this, you let this happen and now you’re worthless. And that showed up later in life. Everything from playing sports and going on and playing football in college to trying to start my, my first businesses as just like this sense of fear of just not being able to live up to whatever I want because I knew I was worthless. [00:29:48] Brandon: So like, and what woman would want someone who’s worthless? Right? So constantly pushing women away who wanted to be with me because, well, there must be something really wrong with you if you want someone who’s worthless, right? And so just a lot of programming that was a byproduct of that one core wound. [00:30:04] Brandon: And of course there’s a lot of other stuff too, right? We’ll, we’ll get into that later in the podcast of like, it’s not just these one event that programs your whole life, but those core wounds, you know, whether it’s sexual abuse, whether it’s going through poverty, whether it’s going through violence, whether it’s going through, you know, just a really unhealthy relationship in your parents or anything in your life and you know what they say, the worst thing that ever happened to you is the worst thing that ever happened to you. [00:30:29] Brandon: So you can’t compare your core wound with another person. Everyone’s been through something that left some emotional scar tissue. And so a big part of moving forward is not necessarily, you don’t have to go back and like heal that event ’cause it’s in the past. The past is dead. What we have to do is you have to move through the programming that has turned into the scar tissue that you’re still carrying with you because that programming is really what’s holding you back from getting everything else that you want in life. [00:30:54] Joe: It was incredible the amount of programming we have in us, uh, that you point to and shine a light on. Really blew me away. But my first question during that whole thing going on, this disturbing incident, and to your point and your parents’ point, you can’t blame your brother. Obviously you’re in the unfortunate situation, but I’m thinking maybe what some of our stackers think of Brandon. [00:31:14] Joe: Like this is a time when parents maybe give you professional help. I don’t blame your parents here. Nobody knows what to do, but it certainly seems like some professional help for Brandon at that point might’ve been helpful. [00:31:25] Brandon: Yeah. I started becoming like very violent when I was in elementary school, like, and I started getting fights all the time. [00:31:31] Brandon: I think that was just a byproduct of like the defense mechanism. I. Of that, maybe a little bit of the, the surrounding where I grew up in New York a little bit as well, and just the culture there. But they actually took my brother in to get a psychologist and then he ended up working on me. But you know, and this is going to rub some people the right way, some people the wrong way. [00:31:49] Brandon: But my belief is that the work you’re doing with most therapists and psychologists isn’t actually gonna get to the core issue and move through it. Whatever came up in those sessions, like it didn’t do anything for me. You know, there was nothing, there was no resolution, there was nothing. So my parents definitely, it’s funny they brought my brother in there and I just happened to be in for one session and it ended up being for me because it’s like, well, why is this kid so angry? [00:32:13] Brandon: But I didn’t really get anything from it. All of the reprogramming and healing work I’ve done has come outside of that type of setting and that’s why I’m so passionate about this work. And I wrote the book and why, honestly, you know, we’ll talk a little little bit about it, but a lot of my clients, they have. [00:32:31] Brandon: Team sports, psychologists and professional sports, but no one wants to work with them ’cause they don’t actually have the skills necessary to get them what they want. So they come to me basically an independent contractor who doesn’t have any of the certifications, any of the degrees by just get the done. [00:32:47] Brandon: And so that’s why they come to someone who can actually move the needle versus basically, uh, you know, has some certification that says that they should be able to it. Because we all know like, you can either get the job done or you can’t. [00:33:03] Joe: Well, and I think that’s an important thing. I mean, you and I might disagree about whether the professional person can help or not, but I do think that there’s gotta be this change that happens. [00:33:12] Joe: And my son went to a therapist for a while. We’ve talked about this on the show. My kids have been there and, and my son Brandon, used to mess with them. Would just totally mess with the therapist. He was so smart that it was a game for him. And then Cheryl and I realized we were wasting our money. Yeah. [00:33:27] Joe: And he needed that pivot point. And it was funny because it ended up being he needed the right person and he was toying with his people and finally he got this older man who put his thumb on my kid and really pushed him and said, no, I see through your crap. Yeah. When it really happened, I think to your point, we have to have this period of self-examination. [00:33:47] Joe: And for you that’s when it really changed was when you actually began examining like, what’s going on with me? Do you remember exactly what the pivot was for you? You know, you go through, in your book about the drinking you did, about this horrible accident that you had. Like I was cringing as, as you’re driving this car while you’re drunk, all this stuff that you’re doing. [00:34:08] Joe: When did Brandon get the aha. [00:34:10] Brandon: For me, it came through just desire to pursue a passion. When I went off to college to play football my freshman year, I rode the bench and I wasn’t getting on the field. And for me, like football was the most important thing in my life at that time. It was like my main thing. [00:34:25] Brandon: And so when I didn’t play, I was searching for solutions. I didn’t have the awareness that I had any healing work to be done. I didn’t have any awareness that there was anything wrong with me. Even at that time, which wasn’t even that long ago, we’re talking like 2008. There was no talk about mental health or anxiety or depression or any of those things. [00:34:41] Brandon: It just wasn’t part of the, the colloquial conversation that we were having. And so. I only stumbled upon this by seeking out support to become better at football. And funny enough, I just, you know what you’re seeking, seeking you. I ended up getting, getting connected with a mentor, uh, who started to teach me just some tools that actually woke me up to like, wait a minute. [00:35:04] Brandon: I don’t have to feel how I’m feeling usually. And so one of the first exercises he gave me was, he was like, just look off into the periphery of your eyes, off to the sides and just breathe in deeply through your nose. And what I noticed was just a few deep breaths like that, and immediately I was brought into the present moment. [00:35:21] Brandon: It was like, whoa. And I realized that I don’t spend much time here. Most of my time is spent in the past of the future, and that’s where all the suffering comes from. And so that was the first experience of that. And I was like, I want more of this. And so he started teaching me all types of meditation techniques. [00:35:37] Brandon: And I’ve been working with this guy on and off for. 15, 16 years. He’s really a, a technician. And so I go in and I, I learn new tools from him and I bring him back and I use ’em on myself, and I make ’em my own. So I’ve been on that journey now, ever since then, 18. And like any skill, the more you practice it, the better you get. [00:35:57] Joe: It blows me away how that one moment changed everything for you and looking off into the periphery and all of a sudden realizing that I’m not present. Like the way that you started this, right? You said, I’m present. I’m here. I’m happy. That is that looking into the periphery brought you there. What’s amazing about this thing, stackers that you, Brandon, point out is that even your love of football is programming. [00:36:18] Brandon: Mm. A hundred percent. ’cause [00:36:19] Joe: your dad was into sports. You were searching for, you know, love of family, right? So that’s programmed. The other thing you like is girls, and that’s programmed into you. And then third is school, because everybody tells you you should be at school. Like this is every single thing you’re chasing is programming. [00:36:37] Joe: And you start to realize how much is already programmed into us and you start to examine that. [00:36:42] Brandon: Yeah. And man, something that I’ve been playing with a lot recently is like how much we’ve all been programmed into this mental slavery. Like most of us, we’re living with these shackles around our wrists, our ankles, and we’re just. [00:36:55] Brandon: This slavery because since the moment we’ve been born, we’ve been programmed into this society that’s not really set up for us to necessarily thrive, right? It’s like there’s these milestones that are set up in the future, okay, hey, when? When is this kid gonna start walking? When is he gonna understand basic math? [00:37:12] Brandon: When is he gonna start reading? And all these expectations and all this measuring of these milestones of like, well, you’re this age. You should be able to do this by now, right? In the US this isn’t how it is in most other countries. When you’re 18, hey, you’re 18 outta the house. Get outta the house. Your milestone outta the house, you to college, what’s going on? [00:37:28] Brandon: Right? And so I went through that of like parents being like, Hey, you’re 18. Like your life’s basically gonna go completely downhill unless you’re in college and you’re taking the next steps, next steps, next step. And we just keep doing this and we just have this illusion that we’re gonna magically arrive there one day. [00:37:45] Brandon: But the truth is the kingdom lives within. We’ve always been there. We just have to wake up. And go inside. And so waking up is the process of becoming aware of what your programming is and the program you’re still living by every single day. And then making the choice. And of course, that’s what the book is. [00:38:02] Brandon: That’s what I do in my coaching, is making the choice to remove the program that’s no longer serving you and choose your own, right, the neo moment, like red or blue pill, like do you want to keep on living in this programming or do you want your own? Because it’s all constructs and it could be serving you or it could be making you suffer. [00:38:20] Brandon: It’s really up to the individual to decide. [00:38:23] Joe: We have no idea how much programming, and you point out some of these, not just the three we pointed out earlier, but I’m gonna go into some of them that, that I think are surprising to people. I remember when I was in high school, having this one put in front of me what religion you choose to follow. [00:38:37] Joe: I went to a Catholic high school, Brandon, but I got lucky. I had a. Uh, in order of brothers that ran the school and my junior year of high school, brother Jim said, you need to be here because you wanna be here and you have to examine this religion. Like there’s this leap of faith, but you have to narrow that leap of faith. [00:38:55] Joe: You have to know why you’re here. And I began examining religion to this point. What religion choose to follow, being a choice. I was like, why the hell do I believe this? Why do I believe this stuff? Which was great conversations to have no matter where you come out as is what political party you choose to support. [00:39:12] Joe: I’ve moved across the country a few times and you get into these groups of people, depending on where you live, you’re either red or blue. Sometimes people would say, let’s go to the future election. And some parts of the country, people are like, if, hey, if you support Trump, you’re an idiot. [00:39:26] Brandon: Mm-Hmm. [00:39:27] Joe: Other parts of the country, same. [00:39:28] Joe: Well-meaning people are all saying together, if you vote for Biden, you’re an idiot. [00:39:31] Brandon: Mm-Hmm. [00:39:33] Joe: It’s, and it’s funny ’cause it’s programming and where we grew up, what kind of education you choose to pursue, what kind of career you choose to pursue, who you choose to marry, what traits you choose to embody. [00:39:44] Joe: There’s so much programming, Brandon, to your point, that we don’t have any clue about. [00:39:48] Brandon: Yeah. And so someone who’s listening to this and they’re being introduced to the concept for the first time, it could sound like this impossible mountain to have to climb. And so just understand this like. Every program that you’ve reclaimed for yourself, your life gets better. [00:40:02] Brandon: You don’t have to climb the whole mountain all at once. I would say that it’s an infinite mountain, because what happens is as you continue to strive for more and achieve more in your life and have new experiences, there’s gonna be these governors, right? Like a governor or car that says, don’t go so fast. [00:40:18] Brandon: That’s programming. And it might be, it’s like, oh, well, nobody I know has ever achieved at this level. And so programming shows up as you continue to escalate what you’re striving for because it’s the governor and wants to keep you safe. This is, we even made more evolutionary, right? Because the body always wants to be in balance. [00:40:37] Brandon: It wants homeostasis. Hey, if we’re safe now, then why would you mess with anything? So there’s all the societal programming you’ll have to go through and all your lived programming that you took on from parents and community and and whatnot. And then there’s a programming that starts to come up of like, well, I’ve never been this high before. [00:40:54] Brandon: Like the fear of the unknown and the programming of like, well, what’s gonna happen there? And you’ll have to continue to move through it if you want to. But understanding that you don’t have to do it from fear. You can do it from a place of discernment and choice and being present in the process. [00:41:09] Brandon: Because most people go, oh, there’s this big thing. I’m moving towards the next step. I should be afraid of it. And instead, you don’t have to be afraid. Fear is for children. Once you really evolve into adulthood, you can move to discernment and you can make the choice, you know what? I can identify where that fear is coming from because I’m believing that I’m gonna maybe lose everything I work for if I get there. [00:41:30] Brandon: But we can actually in real time accept that, let your body process it, remove it into the past, and then choose a new belief, which is. Even if I get to this next level of success, I’m gonna be able to keep everything I have and get even more. And it may sound like, oh, this is just simple words, but really the body is processing the energy. [00:41:48] Brandon: The words are words like words are words. They don’t really actually matter so much as the energy is being processed in the body and you know you’ve done it when you come back to the present moment and you have peace again. [00:41:57] Joe: The people that you’ve helped and the breakthroughs that they’ve had have been just simply astounding. [00:42:02] Joe: You’re working with high performers already and they’re achieving stuff that is well beyond what those people expected when they’re already doing things that are well beyond what most people do. But this is also, these are things that are every day stacker can set off on this journey. One of your clients was an NFL player, worried about his contract, gets this big huge contract apparently. [00:42:25] Joe: Mm-Hmm. Big, huge contract and is worried that, that he’s not gonna live up to it. What’s the first thing you tell this guy? Like, like in your process, Brandon, what’s the first step for this guy or for our average stacker out there listening to you and I right now? [00:42:38] Brandon: Yeah, for sure. So this guy specifically, he’s dealing with this overwhelming fear of judgment, right? [00:42:44] Brandon: Judgment from the fan base, right? Everyone’s on Twitter, oh, we shouldn’t have paid this guy, right? Uh, we should have got someone else. Management. Oh, well we paid you. You better live up to this coaches. Teammates, peers, right? And so fear of judgment. And so the first step I have ’em do is I always do all my coaching session with my clients with the eyes closed so they can focus inward. [00:43:03] Brandon: So they close their eyes and I say, I just want you to feel, and because we don’t even at this point know it’s a fear of judgment yet. So we have to identify that really what it is, it’s a symptom. All my clients come to me for the most part, unconscious to what the true root issue is, what programming is running. [00:43:19] Brandon: So we we’re not even there yet, right? We start with something’s wrong. Let’s just sit here together in this space. Let’s go into the body, let’s find it. Oh, I feel some anxiety and, and part of my skill, it’s a skill, this isn’t some magic, is that I can tune in and I can feel what’s in other people’s body and I can also hear what’s in their body sometimes. [00:43:39] Brandon: And that’s just a part of when you do this work long enough. Like you just start to tap in at another level. And so I’ll feel up in his solar plexus like this, anxiety, and I’ll ask him about, I’ll go, Hmm, what’s that feeling of anxiety, that tightness in your soul plex, ugh. What is that? And he, and then he’ll start to feel into it, right? [00:43:55] Brandon: As long as he feels comfortable with sharing his emotions, which that’s a something to get over for a lot of people, even to start doing this work is feeling comfortable. [00:44:03] Joe: I bet Brandon not even that, not even, is he afraid to share? I bet a lot of times he doesn’t know what the hell it is. [00:44:09] Brandon: Yeah. He has to be able to get to his place of first just feeling sensation, and that’s how we’ll we’ll get him to this identification of like feeling the sensation. [00:44:17] Brandon: I do feel that, well, what does it feel like? What is the emotion? If you could name it, what is that emotion? I’ll be like, I don’t know, like maybe they say like pissed off, but they’re pissed off is really just their fear, right? Pissed off is like in defense mechanism. So I’ll say go beyond being pissed off. [00:44:31] Brandon: What’s beyond being pissed off? And they’ll find out, well, I’m worried about this. Or maybe they won’t say they’re worried. Maybe they’ll say, well, all these people are judging me. Oh, okay, well people are judging you must be afraid, right? So then I guide ’em into the fear. Okay, we’re feeling fear. All right, let’s name it I believe. [00:44:46] Brandon: I’ll feel it with them. Sometimes I’ll just name it ’cause I feel it in my body and sometimes they do whatever happens. If I name it, then I make sure that they’re like, yes, that’s definitely it. And so for him, it’s like, okay, what I’m hearing is that right now you believe that if you don’t live up to your contract, everyone’s gonna hate you and the team’s gonna get rid of you. [00:45:06] Brandon: And me just like saying that the thing that’s been deep down inside of them that maybe they haven’t even built a voice is such a relief. And so we go through this energetic stay with me here. When I say the words energetic, we’re not getting too woo here. It’s just the body is accepting. It’s like an ego death. [00:45:20] Brandon: It’s like, oh, I said the thing that I wasn’t supposed to say. Well, we have to go through it. If we wanna move forward, what we can’t accept won’t change. So he actually accepts like, yeah, it’s true. It’s true. It’s true. And so I like to work with a lot of modalities. One of them is that I have ’em visualize a timeline with their eyes closed and that we kind of visualize all the emotion and it’s wrapped up in this cloud of energy floating in front of them and have ’em breathe in. [00:45:44] Brandon: And on the exhale, a powerful wind moves from right to left and it moves its cloud across the sky of their life, and we just watch it move into the past and their timeline as it moves into the past. We watch it dissolve and we go, yeah, the past isn’t real, is it? No, it’s dead. The past is dead and I have a lot of NLP techniques. [00:46:00] Brandon: I’m working all my magic as I’m going through this process. But then we get ’em back to the present and there’s, they’re actually present for the first time. It’s like, whoa, an emptiness is here. And so the emptiness is replaced with a transmutation. So we just literally flip the belief, which is a belief is a program, which becomes, I believe, even if I don’t live up to the contract. [00:46:18] Brandon: The people I care about will still love me and I’ll get to keep playing football. [00:46:23] Speaker 6: Oh [00:46:23] Brandon: man. And when we start to let that saturate into the body, it’s an an immense relief for them, for this guy specifically. And his body goes into a state of peace, and it starts to actually operate from place of expansiveness instead of contracted. [00:46:37] Brandon: Right? When we’re expansive, we see all the possibilities. We see all the opportunities. When we’re contracted, we have our head down, and we’re not looking for any opportunities, possibilities. We just wanna hold onto what we have. And so what happened with him, for example, is once he became expansive, he became illuminated to, oh, you know what? [00:46:54] Brandon: Like I’m not watching as much film as I need to. That’s gonna help me a lot on the field. Oh, you know what? I need to develop better relationships with my teammates, with my position coach, and all these aha moments of like. So it’s like part of it is energetically and now he feels peace and there’s relief and he is present for his performance. [00:47:11] Brandon: But the other part of it’s that now all those aha moments of what he can do to become the best player he can be, come through. And once he went through this, the man started balling out like never before because he started doing the habits, the rituals, the actions necessary to be his best. And he had the mindset for, he was feeling that flow state in the present moment. [00:47:31] Brandon: ’cause no longer was he carrying that suffering, that emotional baggage with him that was keeping him in fear. [00:47:37] Joe: It’s funny how, you know, some of the best things I’ve ever heard people tell me, Brandon, you should transcend from one to another organizational expert. David Allen says that you need to be like water and not water. [00:47:49] Joe: That’s, you know, in the puddle, in the little puddle of misery, but water that’s flowing. And it sounds like with that block, it’s impossible for him to be like water. Like if he’s stuck in this block, he can’t flow and see where the opportunity is. [00:48:01] Brandon: I see. Because his belief. Was causing him to delete, distort, and generalize anything that would be in conflict with his belief, which is basically is like putting all these blinders up around you where you really don’t see the possibilities. [00:48:14] Brandon: You can’t, right? It’s the same thing we talked about earlier around like two people see the same president, they hold separate beliefs. So both people will delete, distort, and generalize any information they might have about this president to make it fit their beliefs. So one person goes, this guy is God’s gift to the earth. [00:48:30] Brandon: The other person goes, this is the devil incarnated. Well, because it’s running through their beliefs. One person’s deleting all the bad stuff, one person’s deleting all the good stuff, one person’s generalizing, so it fits their ideal. The other person’s generalized and do the same. The other person is distorting information. [00:48:46] Brandon: Well, it’s kind of like this, and that’s how they create the reality. So that’s why we have to think about it. Like there’s so much data coming in at us in any given moment. We can’t consume it all and make sense of it. It has to run through these programs. You know, I’m gonna using program and beliefs synonymously because. [00:49:02] Brandon: Our programs are what we’re believing to be true, and those beliefs are using to delete all the data that’s coming in through a census. Five senses, see, smell, taste, touch here. And it’s deleting everything. Generalizing and distorting it so we can make sense of it given the beliefs we have. Which is really exciting when you think about it because once you start to get these in alignment, you know, get ’em lined up with what you want in your life, the possibilities really become limitless for you. [00:49:29] Joe: It gets so exciting. I wanna give our stackers one of the exercises that you do, and this is an early exercise, I think that gets people on the path. You tell everyone to, uh, set a series of alarms in about every three hours. Don’t change anything. Just kind of, I guess the alarm, Brandon, is to kind of just wake up, change your state and go, okay, where am I at right now? [00:49:53] Joe: Why do you have people do that at the beginning? Why do we start there? And by the way, I would encourage people to do this because I love the idea that you’re catching yourself at kind of random times. [00:50:03] Brandon: Yeah. It’s in a beginning of the awakening process. And so I tell my clients, I don’t want you to just meditate. [00:50:10] Brandon: I want you to become meditation. So how do we do that? Well, meditation’s used to look inward and gain awareness. These alarms are training you to stay in the state of awareness. And so you get into awareness by asking yourself, what’s it feel like to be me right now? Not the story. ’cause the, the story is a story, right? [00:50:26] Brandon: Whatever’s happening externally. It’s about you and your experience. How does it feel to be you right now? Because you can navigate from there. If you’re feeling anxious, is it the environment that’s making you feel anxious? Is it an unconscious, irrational belief you’re holding? Make you feel anxious? Is it the person you’re with? [00:50:43] Brandon: Is it something unresolved? Is it too much coffee that’s making you feel anxious? Right? Just that alarm in itself will bring awareness to. I’m feeling anxious. Do I wanna stay in this state? ’cause most people just, you know, they’re an autopilot. Just keep going. Or I’m feeling peace. Wow, what did I do different? [00:50:59] Brandon: That’s making me feel peaceful today. Or what am I believing be true in this moment’s? Bringing me so much peace? And so that just awakens you into what it’s like to be in the present moment. And that’s the first step on this awakening path. [00:51:12] Joe: And I love Brandon, that you, as you’re taking a look at your own programming, right? [00:51:16] Joe: Did you, what was it, 34, 36 pages of programming in your life that you [00:51:20] Brandon: recognized? It just keeps going. I don’t even know how many I have now. There’s an insane amount because I keep getting to new levels. Like no one in my family has ever made as much money as I’m making now. Nobody’s ever got to this level of success like. [00:51:34] Brandon: I never knew pro athletes. I never met a pro athlete growing up. Like the levels I’m getting to in my life. I built a massive audience, you know, that was like a different side story. I built a YouTube audience of over a million people, over a hundred million views. Like I never, nobody I have ever known has gone to that level of notoriety. [00:51:50] Brandon: So every time, dude, come [00:51:51] Joe: on, you’re on the Stacky Benjamin Show. I mean, look at that. Let’s go baby. Like, that’s, that’s the epitome. Come on. Right? [00:51:56] Brandon: Exactly. So when I get put in these spotlights, I’ll often notice new programming coming in. It’s like, oh sh*t, I’ve never been on Joe’s podcast before. Like, whoa, you know, what are the fears that come up in this space? [00:52:08] Brandon: Right? And yeah, just like the new rooms that I’m going into, the new situations I’m putting in, I’m being put in. Sometimes fear can be sneaky and like fear is kind of how I identify that the, the programs I know aren’t serving me. It’s like, oh, I’m about to go here. Well, why am I feeling afraid? I believe that these people aren’t gonna respect me for XY reason. [00:52:26] Brandon: Oh, okay. Well let’s transmit that. Let’s get rid of it. Add it to the Google Doc. And because I do this so much, like I said guys, like this isn’t magic. This isn’t something that’s just for me, it’s just, I’m good at it because I do it all the time. You know, like whatever someone’s profession is, if you do it every day, like you’re gonna get really good at, so for me, I can do it in a matter of seconds. [00:52:45] Brandon: You know, someone else, they might have to sit down for 15, 30 minutes to go through one program, but you can change them and you can build a skill and you can, you can break free from this mental slavery and you can be liberated. [00:52:57] Joe: Thank you so much for mentoring our stackers on this and helping us break free and just the, I don’t know, we have so many walls that we build between our ears and it’s always been in my life. [00:53:08] Joe: The biggest problem is just breaking out of my own mental construct. You’ve a book on this. It’s called Program to Fail, how to Break Through Your Mental Block and Achieve Greatness. I was telling you before we hit record, I interviewed a lot of people, Brandon, and, and I couldn’t put it down. I was disturbed by the story that you were kind enough to share here at the beginning and to share your story and then very empowered by these are the things you can do to identify and then break through all of these blocks and the book’s available everywhere. [00:53:37] Joe: Program to fails available, I think everywhere. Right? [00:53:39] Brandon: It’s on Amazon. That’s really the only place right now. You know, we’re, we’re pushing to, to get it out there to more places, but you know, we’re Stacking not Benjamins. Amen, brother. Stacking bricks, day by day. Yeah. Deal. [00:53:50] Joe: Well, we’re done with that. So we will link to it on Amazon on our show notes at stacky Benjamins dot com. [00:53:55] Joe: Also link to your YouTube channel. You’ve got a great following on Instagram. That’s where we follow you. Brandon, thanks so much for being our mentor. I [00:54:02] Brandon: super, [00:54:03] Joe: super appreciate [00:54:04] Brandon: it. So thank you for having me. I appreciate you. [00:54:07] Speaker 8: I’m Liz, the Chief Mom officer, and when I’m not busy being the breadwinner of my family of five, I’m Stacking Benjamins. [00:54:13] Joe: Huge thanks to Brandon. And you know what, Doug, that was actually the reason why, uh, OG and I weren’t wearing shirts today. Number one, we knew it was bikini Ripoff day. We had to take the top off. But also number two, wearing a shirt is a script. I mean, it is a, and to get rid of the metal block, we have to just explore. [00:54:31] Doug: You gotta break from the what’s expected of you from society. So today I have one word on my mind, MOS, [00:54:41] Joe: which sadly I do too, which means we may go back to the way we used to. We may be comfortable with this one. [00:54:46] Doug: We may, we may go. Not everybody look. Sometimes clothes are sexier. Joe, Mike, [00:54:50] Joe: go ahead with this norm. [00:54:52] Joe: Hey, uh, time for the part of the show where one person asks, you know what? I better call Saul, see hi and OG, and ask them a question. Today we’ve got a question from Sarah. I. From our basem*nt Facebook group and Sarah wrote help. I’ve been working to consolidate a few prior employer 4 0 1 Ks. I chose Fidelity to consolidate. [00:55:15] Joe: Right now the sum is sitting in cash slash money markets. The market has been doing well and the funds I wanna buy are at the highest. They’ve been in quite a while. Listen, I know we should not try to time the market, but I also feel there will be a downslide sooner rather than, but I’m gonna time the market. [00:55:35] Joe: Do I hold it, see what happens, set a low point I’m comfortable with, and then pull the trigger or bite the bullet and make the trades. Now this is, this is the most popular asked question, Sarah, which is why we took it from the Facebook group, the basem*nt, and brought it here. And in fact, if you would’ve brought it here, we would’ve even given you some swag. [00:55:55] Joe: So if anybody wants to call in stick Benjamins dot com slash voicemail. We have a few, uh, waiting, but I thought this one was important to do. Now, what I love here, and I’m gonna play this, uh, TikTok video, I was gonna save this for the TikTok minute, but I think this is important for today, which is this. [00:56:14] Joe: It isn’t just you, Sarah, but I feel like, oh gee, we hear this all the time. I know we should not try to time the market, but, and when it’s, when we say, but that we think this, [00:56:26] bit: we’re gonna do it anyway. We’re gonna do it anyway. We’re gonna do it anyway. We’re gonna do it anyway. [00:56:37] Joe: It’s like, Hey, I think I shouldn’t invest in individual stocks, but you know what guys? [00:56:42] bit: We’re gonna do it anyway. We’re gonna do it anyway. We’re gonna do it anyway. [00:56:51] Joe: How often do you, have you had that og You tell somebody, yeah, I don’t think that, uh, that you should do that. And they’re like, yeah, okay, [00:56:58] OG: great counsel, I will do anything to not have to listen to that ever again. [00:57:03] bit: We’re gonna do it anyway. [00:57:06] bit: We’re gonna do it anyway. If you [00:57:08] Doug: heard that guy karaoke, you’d be like, he’s pretty good. He’s way above average. [00:57:12] Joe: I don’t even know what that’s from. He’s singing in a church and it is, uh. I’ve been trending on TikTok for every time I found it on. Every time you tell a client not to talk about their legal case on social media, this lawyer wrote, [00:57:24] bit: we’re gonna do it anyway. [00:57:27] bit: We’re gonna do it anyway. [00:57:30] Joe: So anyway, so Sarah, Sarah says, I know I shouldn’t time the market og, but I think I’m gonna do it anyway. [00:57:38] OG: What do you think? I mean, this is so, so illogical. It, it just, it, I can’t even figure this out because I’m guessing that this money came from another place, right? So it came from 401k at work, or, you know, whatever. [00:57:53] OG: So she says she’s consolidating some old retirement plans, worked at a couple different jobs. I’m guessing that money was also invested. I mean, if that wasn’t, then we got a whole different thing that we can deal with. But let’s just assume that it was all you’re doing is moving it from one account to another. [00:58:08] OG: Why would you I. Why would you not want it to be invested? It was invested yesterday and now it’s at Fidelity and not invested. Why would you not want to have it be invested now? I don’t. I don’t understand that. I do see when people have like large a bonus or something that’s cash, you know, an inheritance or something, you know, something that came as cash and they’re like, all right, I got this. [00:58:31] OG: You know, I sold a piece of property, whatever. How should I invest this? And, and I think this is a little bit more realistic of a conversation than it was invested yesterday. I took it out to move it to Fidelity. It’s not invested anymore. Should I invest it today? Yeah, it was yesterday. Why wouldn’t you? [00:58:46] OG: Let’s just change this a little bit and say, I just got a bonus for $50,000 and I know I should invest it, but I feel like the market’s high, blah, blah, blah, blah, blah. All that nonsense. Okay? What I want you to do is invest it immediately. That’s the long-term, right answer, because you’re not gonna care whether you got today’s price. [00:59:04] OG: Or two or 3% lower tomorrow in 25 years from now. But let’s just assume that you’re right. And the worst thing happens. You invest it and it goes down some percentage, right? 20% whatever. What are the chances of that happening? There’s some chance, right? It’s not a zero chance. There’s some chance that today was the high watermark, okay? [00:59:25] OG: But we know that over a long period of time, the market goes higher. And so what are the chances that you don’t invest today? So take it the other direction. You don’t invest today and a year from now, it’s 20% higher. That also is a chance, I would argue, a higher chance, because statistically the market goes up, you know, seven outta 10 periods. [00:59:44] OG: So you’ve got a better chance of missing out on the upside than losing the downside. But I understand that you’d be really ticked off if you put your 50 grand in and then tomorrow afternoon, you know, or this time next year it’s at 40, you’d be like, dang it, I should have just waited. You know, I lost 20%. [00:59:57] OG: So here’s what I want you to do instead. Invest some today. Pick a number, 30%, half of it, some number today, and then with the rest, you can do one of two things. Either just dollar cost, average it in over a short period of time, call it a couple of months, or pick two numbers. So do s and p right now? Is that, uh, what, 5,200? [01:00:17] OG: Does that sound about right? And so you’re worried about the market going down 20%. So if it goes down 20%, you are deploying the rest of that money that day. So pick the number S and P’s at five 20, 20% gets it down to, or I’m sorry, 5,200. Uh, that gets it down to about 4,000. So if you wake up one day and the s and p’s at 4,000, the rest of that cash is getting invested. [01:00:38] OG: Now you did it correctly. Congratulations. You timed it right. That’s one side of the equation. The other side of the equation is you have to accept the fact that there’s some chance you’re gonna be wrong. And the market’s at 5,200, the s p’s at 5,200, and it’s gonna go to 6,000. It’s gonna go up another 10% from here. [01:00:56] OG: And at that point in time you just say, okay, I’ve accepted that I was wrong in the timing and I’m gonna invest the rest of it. Then you can’t. Then at 6,000 go, well now it’s definitely gonna go down because you’ll be in this trap forever of waiting for it to come down and it will never get back down to where you think it should be. [01:01:15] OG: Yeah. [01:01:15] Joe: The, the further it goes up away from you, the more you need it to go down even further. And what a crappy position to be in to go. Well, if I’m gonna get back to, it’s gotta go back to when I made this prognostication decided that arbitrarily it’s what I think. So today’s the day, [01:01:33] OG: so if it’s cash, put some in right away and then dollar cost, average some, or pick two numbers on either extreme that, that you’re no, no matter what this, you know, so if you guess Right. [01:01:44] OG: If you’re like, dang it, I got the timing exactly right. I knew we were at a high watermark. I knew the mark was gonna go down 20%. Look at how smart I am. Great. It’s down 20%. Put it in. What happens, this is what happens in the real world, the s and p’s. At 5,200, it goes down to 4,000. You’re sitting on 50 grand of cash waiting for the market to go down and you go, yeah, I don’t think it’s down far enough yet. [01:02:06] OG: I think I don’t, I don’t know. I don’t know. I’m gonna wait. I’m gonna wait this, and you know, the recovery happens. Then it recovers well past where that original number was. But in your mind, you’re going waiting for the next shoe to drop, right? So you sit on the cash the entire time or the market goes up, which happens more times than not, and you go to your point now, I just got, now I’m praying for a market decline. [01:02:28] OG: All the rest of my money’s invested. By the way, I’ve got this 30 grand I’ve been sitting on. If I could just get all my money to go down 2400% so I can get this other 30 grand in, that would be great for me. Like whatcha talking about if I could just get the economy to crash so I can get my 30 grand in, what [01:02:44] Joe: is the matter with you? [01:02:46] Joe: Well, this is the issue, og. I mean, the issue is the more you listen, what do you hear? You hear, hey, the market’s at all time highs, and we hear that. We think risk, but we should be thinking risk. That’s what the market is designed to do. If the market truly goes up, roughly, roughly 70% of the time, we should be hitting all time highs. [01:03:06] Joe: And we do fairly often. [01:03:09] OG: Yeah, it goes up, it flies out. Sometimes it goes down, goes up. But in 25 year time horizons, if you’re 30 years old and you’re consolidating your IRA, you are not gonna give twos about whether or not you bought the SAP at five twenty five, ten four seventy five, four oh two, or 6 0 5, because in 40 years from now, it’s gonna be 10 x. [01:03:31] OG: Forget it. It’s, it doesn’t matter. Who cares? It’s like one of these little blips. You won’t even notice it. I don’t give two. [01:03:37] Joe: You can, you can do, you can do it, Sarah. It is hard not to feel those feelings. And what’s funny is, is when you learn, and this is almost, this is, this is a Brandon Epstein thing right here, right? [01:03:48] Joe: I mean, that’s what we’re, oh, the market’s high, so it must be on the way down. Nope. That’s one of Brandon’s metal blocks right there that we’re conditioned to think that way. Because it sells. It sells OG that, Ooh, the market’s high. You know what? I’m gonna feed into this by writing a bunch of pieces about how to protect yourself and lock in the gains. [01:04:09] Joe: Sarah, thanks so much for, uh, writing that note. If you’ve got a question for us, head to stacky Benjamins dot com slash voicemail and for being brave and calling in, you know what, you can also. Choose some Stacky Benjamins swag. And when I was in Boston, uh, stacker James, who I got to hang out with, we had, we had Stacky Benjamins swag at all the different events. [01:04:32] Joe: I went to at least one person wearing something in each of the rooms and sometimes several. But, uh, James Doug was re and Doug 2024. Could miss it when he Yeah, he was, when he walked in, it was, was incredible. Walking in like a boss. Yes. Like he owned the joint. Speaking of that time for the back porch segment. [01:04:50] Joe: Maybe my favorite segment, although I say that about every segment. Uh, uh, Doug, Doug. What are we chatting about here before we say goodbye? Well, I think you [01:04:57] Doug: gotta, you actually teased it towards the beginning of this show, Joe, but talk about the parks giveaway. [01:05:01] Joe: It ends today. Doug, right? It ends today. We had the wonderful Robert Niles on from the biggest online, uh, site about theme parks, theme Park insider, who kicks off summer for us every week. [01:05:12] Joe: And when Robert was on, you know, we got together with mom and we’re like, Hey, uh, sounds like we should give away. Like, either, and this is by the way, for a regional park, not for, sorry, not for the Disney or, or universal year round parks before your local regional park, or if you’re not into the whole theme park thing. [01:05:31] Joe: Maybe a state park, one of our national parks, whatever we will. [01:05:35] Doug: Comerica Park is regional. Nope. For me. Nope. We actually, you will, [01:05:40] OG: not to exactly side with Doug here, but I gotta imagine season tickets for a team as crappy as the Tigers. It’s gotta be, oh God. I mean, what are they like six bucks? A six bucks a game at this point. [01:05:50] Doug: You get six people in and six hot dogs and six chips and six drinks [01:05:54] OG: for six bucks for hundred. You probably get a half season pack. Oh yeah. Go to a, to a major league [01:05:59] Joe: baseball game of the mediocre team. It’s, it’s cheap. Said, nobody ever Right. They, they’re like, wait a minute. I thought this team was in, uh, fourth of five teams. [01:06:08] Doug: Oh, yeah. Anyway, [01:06:08] Joe: we’re [01:06:08] Doug: running out of time here. Yes. ’cause today’s the last day. So tell everybody about how to get in there. Did you [01:06:12] OG: guys hear the thing about the, uh, Carolina Panthers? I think yes. Speaking of bad teams, pivot. Yeah. Yeah. No, no, no. Seriously, it’s more expensive for a Carolina Panthers fan to get NFL Sunday ticket than it is to get season tickets for the Carolina Pan. [01:06:29] OG: Carolina Panthers. It’s cheaper to go see them in person. [01:06:33] Joe: David Tepper’s, uh, uh, is desperate to get people in that stadium. [01:06:37] OG: They’re not doing so hot. Buy low, as I say, there it is. You never know. Yes, they might be the champions this year. [01:06:43] Joe: Could happen. Probably won. It’s a theory. Could be a bad one. We’ll help you with that. [01:06:48] Joe: Now, what is in it for us? So we’ve got this fantastic newsletter that we’ve been hoping that you would try out called the 2 0 1. We mentioned it earlier. It’s always free. It has a ton of links and where a lot of newsletters have a 12%, 14% open rate, ours has 50 showing you. People find this very valuable. [01:07:08] Joe: In fact, uh, I find some stackers. Uh, I have great discussions about some of the things people write back. And, and we, we, I’ve chatted with two people in the last 24 hours about stuff from the 2 0 1. So what’s in it for us? We’d like you to try out the 2 0 1. And by the way, Doug, I, I was reading the latest, uh, Harvard Business Review and they were talking about flex. [01:07:30] Joe: Well, if you want your friends to do something, you know how you’re like, oh, you should go try this thing. You should go try and you really know they’d like it. The best way to get that done is to tell ’em what’s in it for you. So if you actually tell your friend and you’re like, Hey, I get this great newsletter, but if you sign up and try it out, I get three entries into this contest. [01:07:50] Joe: People are more likely to do it because they wanna help a friend, and then they will keep it because they helped a friend. That’s modern science. And you know what, when somebody tells me that, when they’re like, oh, [01:08:01] OG: people helping people, yeah, [01:08:02] Joe: yeah. I’ll totally help you. Yeah, absolutely. And then I’m like, oh, you know what? [01:08:05] Joe: This is good. I have found exactly the opposite to be true. Really just my own personal experience, which is funny, Doug, because I think I still read Morning Brew because you told me to read it. [01:08:13] Doug: Wow. You’re the one. Usually I’m like, Hey, you help me out ’cause I want the sweatpants. They’re like, but I’m definitely not doing it. [01:08:18] Joe: Oh, I’m not gonna, yeah, not me. I find, and Harvard finds, so it’s you against me and Harvard. So yeah, I’ll take the Harvard side scoreboard. But I do think that if you’re, you know, struggling, I know people are like, how do, how do I, how do I get the three entries? Well, you get, you get three entries. If you introduce somebody else, if you haven’t signed up yet for the 2 0 1, you can try it out. [01:08:37] Joe: You’ll get a single entry. And if you want to introduce people to 2 0 1, how do you do it inside of every issue? The 2 0 1, you have a unique URL for you so that we can track you and we can make sure that we assign winner show. Hold on. [01:08:49] Doug: We’re not really tracking them. Like, don’t be worried. We’re not following you to Denny’s. [01:08:53] Joe: No. We just know that this person followed your link. Right. A referral code. [01:08:58] OG: TikTok is tracking you. Yes, [01:08:59] Doug: that’s right TikTok. We don’t need to track you because that’s right. You’re training three devices that are tracking you for us. All we gotta do you watch your phone, your car. [01:09:10] Joe: It’s so funny. Our friend comedian, Paul Allinger and one of his standup routines, he’s like, isn’t it horrible how your device tracks you? [01:09:16] Joe: He goes, he goes, you know, people now know where you live. They know like what your phone number is, like, all this stuff. He’s like, we even had this in the old days called the white pages. [01:09:29] Doug: They give all, all your information, right? [01:09:31] Joe: Everything was in a book exactly where you live. It was all, it was all right there. [01:09:35] Joe: So anyway, in the 2 0 1, your direct URL, just go into the 2 0 1. You’ll see, uh, that’s the link that you share so that you get credit for, uh, your three entries. But do it today by midnight central time. [01:09:47] OG: Speaking of tracking, you, have you guys uh, gotten into chat, GBT in the language? You know, conversations or anything with that? [01:09:54] Joe: No. What’s funny is we’re actually gonna do a case study on chat GPT on Wednesday. [01:09:58] OG: Yeah. Interesting. Well, anyways, they have a neat story, uh, memory function. Uh, yeah, cool story. Yeah. Anyway, they have a memory function on chat GPT and it remembers stuff about you. And so I’ve been practicing it to learn me Spanish. [01:10:12] OG: Is that how you say that? Spanish Me Learn Spanish. Spanish to Yes. Me, me learn me Spanish. And so it says, it says Josh has, uh, three children, his son named Guillermo and Alejandro, and his daughter is named Carolina. Oh my God. Because, you know, I’m just practicing that in Spanish. Perfect. Which is kind of funny. [01:10:30] Joe: I don’t think you’re practicing it. I think you’re practicing getting AI to practice it for you. [01:10:35] OG: No, like if you do the voice thing, but talk initially, talk to it in Spanish. It will talk back in Spanish. [01:10:40] Joe: Wow. [01:10:41] OG: You can say like, anytime you hear English, translate it to Italian and anytime you hear Italian translate it to English and it will, like, literally you can have a, you could talk to somebody. [01:10:51] OG: With the thing there and it will talk back and forth. [01:10:54] Doug: It’d be funny to make it do like hops from like English to Spanish to Italian, to polish back to English and see how much it changes when it comes back around. That would be funny. Okay. Do it. I will try it. Make it happen. [01:11:08] Joe: I think Doug the rest of the back porch just looking at the time. [01:11:10] Joe: I think the rest of the back porch we’ll share, uh, some of the fun stories from our meetups around the country on Wednesday. So let’s, let’s make that part of our Wednesday agenda. Alright, [01:11:19] Doug: fine. We’re done with our beers on the back porch. [01:11:21] Joe: Sounds great. I think, I think we, uh, is it gonna end this like we end every show with, uh, Doug, you taking it from here? [01:11:28] Joe: What should be on our to-do list today? [01:11:30] Doug: Well, Joe, here’s what’s stacked up on our to-do list for today. First, take some advice from Brandon Epstein. You’re working from scripts throughout your life, but what are they? Take some time to note when you might be influenced by your upbringing, events, and society, and work to untangle yourself from that negativity. [01:11:48] Doug: Only then can you fully find breakthrough results in your life. Second, take some advice from our conversation with Sarah. When’s the right time to invest? Now, the stock market rises far more often than it falls If you’re investing for the long term, as mom says, set it and forget it. So what’s the biggest to do? [01:12:09] Doug: Do not ask Joe’s mom what it was like to have to wear only one piece bathing suits back in the olden days. Turns out you’ll find out she was far more of a rebel back then than you would have expected. What? No, I don’t wanna see photos. Oh God. Oh God, no. What if I unleashed? Oh God. I mean, what is she unleashed? [01:12:31] Doug: Oh my God. Put it away please. Ah. [01:12:37] Doug: Thanks to Brandon Epstein for joining us today. You can find his book Programmed to Fail, how to Break Through Your Mental Blocks and Achieve Greatness wherever books are Sold. We’ll also include links in our show notes at Stacking Benjamins dot com. This show is The Property of SB podcasts, LLC, copyright 2024, and is created by Joe Saul Sea High. [01:12:58] Doug: Our producer is Karen Repine. Karen and Joe. Get help from a few of our neighborhood friends. You’ll find out about our awesome team at Stacking Benjamins dot com, along with the show notes and how you can find us on YouTube and all the usual social media spots. Come say hello. Oh yeah, and before I go, not only should you not take advice from these nerds, don’t take advice from people you don’t know. [01:13:22] Doug: This show is for entertainment purposes only. Before making any financial decisions, speak with a real financial advisor. I’m Joe’s Mom’s neighbor, Duggan. We’ll see you next time back here at the Stacking Benjamin Show.
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