From $40 to Financial Freedom

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
There's a lot of difference when you sign the back of the check versus when you sign the front of the check. Hello.

(00:01):
Hey. What's up, man?
That's funny. Oh, not much. What about you?
You know, just life is good. I mean, we are just working away at this this event on August 21, which a lot of lot of energy going into this thing, but great, I'm looking forward to it. It's gonna be a ton of fun. Thanks, sir.
Absolutely. At San San Mar Center, August 21 evening. Speaking of venues, I saw this thing crawling in the the local headlines recently about some guy. And I guess the storyline is guy with no credibility, no experience, no opportunity, not not or sees an opportunity. He is gonna be the one to create the Virginia Beach Arena.
Have you seen this story? No.
I have not.
I hope it's true. I hope it happens, obviously, but, like, it's just crazy. Like, he was he's been on, like I actually I I first saw it from a Richmond thing. And he he built a website. He got some AI generated thing.
Because, apparently, he went to this he went to a comedian show, Nate b. Can't pronounce his last name at the the Old Scope Arena, you know, the old 4,000 person arena. He's like, I wanna see Beyonce or something like that. She can't come here because we don't have big enough venue. So he's gonna be the guy to create it.
I wish him well. I hope he does it. I hope. Yeah. You do not know today's guest.
Correct?
I don't. I don't. But I do look forward to the conversation.
Absolutely.
I like talking money.
Yeah. Money is good. I love money. Today's guest is someone that I've known for
many, many, many years.
Many years.
And How'd you guys meet?
Eric? Did you know Eric then, or did I No.
I think I met Eric there, dude. I think was it was it Derek Holzer? Was it he was an attorney that worked with a couple of the people over there. Maybe. Yeah.
It was Did
I know you did I know you before you went on Hampton Roads Business Weekly?

(00:22):
I don't know.
I feel like I would have.
Yeah. And then it was around the time also when I got the top 40 in the 40 in in Hampton Roads and I don't know. It's been probably, like, fifteen years, dude. How old are you now? About to be about to be 48 in August 6.
Yeah,
man. Soon to be happy birthday. You don't look 48. You look pretty good for 48.
Yeah, man. You stop. I never would've guessed.
Dude, I have mean, Maya, my my oldest just graduated GMU. She's starting to work for me. We actually have a meeting tomorrow, go over her contract and everything.
Did you say JMU or GMU?
JMU, James Madison.
She just graduated?
Yeah. In May.
Yeah. My daughter did as well
from JAMU.
Learn it through. Yes, ma'am. This year?
Yep.
That's awesome. What does she study?
She's she majored in communications with a minor in in sports marketing.
Nice.
So she's, up working with the Washington Nationals right now. So that's,
she's been trying to
yeah.

(00:43):
That's pretty fantastic. Your daughter? She did business and then ended up doing digital marketing and marketing. Oh, cool. And that's kinda what she's gonna be doing doing for Esquire.
It's really helping all the all the stuff that we've gotten done, relationships and everything, it's been awesome.
So Yeah.
It's great to you know? Anytime that your kid goes, hey, dad. I wanna, you know, work with you because of the work that you do, I'm like
Yep.
That's very cool.
Yeah. That's great.
Now do you pay her the way that, first out of school rookie No. You get paid, you pay her a little bit better? Because
No. No. I I don't listen. It's it's business is business. She's gotta learn.
She's gotta earn. She's gotta, you know, figure everything out. So it's, you know, starting salary that's competitive, like, $40.42 or whatever, and then ninety day review, and then on an eighty day review with potential increases in pay depending on work and everything. So I don't that's I think, that's the right thing to do. It's kinda early just like anybody else.
Alright. So anyone that can is is watching, they see your name on the screen. And I was like, like, is it
like Did you think that so is
like, how hard like, when you were a kid, was it easy for you to learn how to pronounce your name and everything? Was it ever a little stumble? Like, what was that like? I mean
Well, of course, it's some great. When you're in English, it's a little different when you start, you know, throwing the j. So, you know, Croatian alphabet is is and I I don't know, Tim, if you knew. I'm I'm born and raised in stuff in Croatia, so I came to America as a foreign student back in '95. So, you know, Croatian is extremely phonetic language.
So we our our alphabet is a, b, z, d, f. So if you spell zak, you will be I would say Zach, z a k, but that's how you say the letters. So our j is you, so it's Daniel. It's not a j or an like in, you know, Spanish. So in our in our language, it's just Daniel Valichky.
It's just normal. So I had no trouble spelling perhaps in my name. But I love the freaking question, Zach. Well,
you know, I feel like I just call you DV so I can never mess it up.
I know. Dude, that's what Melissa you know, we just celebrated twenty four years of marriage. And and whenever, you know, we moved here from West Virginia where, you know, Zach went to WVU. I took a couple of classes there. I graduated from Fairmont State University down, like, ten minutes south.
But she's from Parkersburg, which is, like, right on the Ohio border. And so when she turned she was Melissa Marie McGinnis. I was like, dude, I'll take McGinnis. It's so much better than Valichky. This is such a great name.
And now she went to Melissa Marie Valichky. But to your point, when she was she was a teacher, all the kids would call her miss v because they could never pronounce Valichky. So she was always miss v miss v. It's it's
awesome. So did you know how to speak English when you moved here?

(01:04):
Yeah. So I I don't know why, but I had this this, like, almost destiny kind of feeling. When I was seven, there were there were two girls that lived in in our village where my my grandparents lived because I was I was spent summers there, and they were from Australia. And, I told them when at seven that I was to speak to me in English because one day I was gonna be in America. And fast forward, when Melissa and I, you know, we travel back to Croatia all the time, that we actually got to see them as, you know, we were grown ups, and, they were visiting their grandma.
I was visiting my grandma. And they told Melissa that story that whenever, you know, they were, like, eight and 10 and I was seven, that I told them they remembered speaking English for the whole summer because I need to learn English because I wanna be in America one day. So I don't know how I had this thing that I that I either wanted to and just made it happen, but, it was always kind of a kind of a thing. So I was fluent in English. I was fluent in German, French when I came to United States.
So it was just, you know, languages were easy for me. Plus, went to high school for tourism, hotel management back home, so we had a lot of languages.
Wow. Okay. And and, obviously, business is a language in itself.
And money is a universal language as well.
Or or like their odd language.
Yeah. But before we get into I
feel like it's I feel like it's Esperanto. Like, nobody really knows, but it's there.
Alright. So before we get into the business of business, you experienced some time in Morgantown in West Virginia. And
The best place ever.
So why would you let your daughter like, why wouldn't you have your daughter go? Like, it just seems like a a a misogynist. So,
see, it's funny. She wanted to it was it was w If you get
in the JMU, you get into West Virginia. Let's be honest. Come on.
Yes. But that's out of state tuition too, Zach.
That's right.
And our deal is our our deal was that, you know, Virginia has fantastic schools. Right? So I was like, mom and I, you know, Melissa and I put together you know, put funds together to have school paid for state school. I mean, we have, you know, JMU, George Mason, William and Mary. I mean, Virginia Tech, I mean, UVA.
I know. Listen. I that's the and and I I'm gonna alienate so many people just by saying this because this is someone over here at the rest of the nation's show. But one thing I told her dude, you're killing me. One thing I told her, was like, I'm not writing checks to Virginia Tech.
Like, that's the I can't do it. I can't do anybody else. I cannot do Virginia Tech. So that was, Zach, my my homage to to West Virginia. Right?
Because I was like
I didn't realize that that ran so deep.
Oh my gosh, dude. Dude, when we were in school, like, Virginia Tech showed up and burned our field, like grass and stuff. I mean, we we had it was a it was a tough, long standing

(01:25):
Wow.
Careful robbery.
Now they just I just always thought it was a Zach thing. I didn't know that it was
Oh, dude. If it's it's a two two schools, Ohio State, the and Virginia Tech. I don't know why. Except
for Yeah. And everyone hates Pitt and not or, like, you
know Oh, I'll it's a love it's a love hate, really. We we goof. Like, I've I've never seen a fight at a Pitt WB game. I've always drank with Pitt people. Like, we had a great time, and it was just this mutual respect.
Like, such a great place that some of the best games that I've seen, were at the Pit Stadium, you know, in Pittsburgh. And I don't know. We just kinda love out
of that bridge or
that tunnel into the city.
Yeah. I don't know if you've you've done that before, I'm sure too. But, like, over 3 River Stadium or whatever, don't know.
It's it's amazing. Yeah.
It's it's one of the most iconic, like like, arrivals possible, which is pretty
You know, yeah, you'll appreciate this, Zach. I was a speaker at a con at a conference. It's about it was May, and, you know, I was telling my story and how I ended up in West Virginia. And, you know, and then, Tim, you know, you don't know me, but I'm I'm as metro as they come. You know, I come from the center, you know, seven minutes walking from the main square in Croatia, which is Zagreb, which is the, the the capital.
So, you know, I grew up going out all the place. We would go to Vienna. We would go to Venice. We'd go to all those places, and then I end up in West Virginia for, exchange program, student exchange program. And I can tell you that I I told my story about West Virginia.
This lady afterwards, Zach, came to me. She didn't say anything and just hugged me. And I was like, okay. And she was like, I just appreciate you saying such great things about West Virginia because anybody that ever mentioned that, you know, my state she's from West Virginia. She's from, Charleston.
And she was like, everybody just craps on it. And I was like, I had it was the biggest blessing in disguise because, yeah, I don't think if I landed there, I would've anywhere else but there, I would've had completely different life, probably not here. The the things that have happened, in West Virginia that just made my life possible would've I don't think would've happened anywhere else. So I I love the state. I love the people.
Yeah. West Virginia gets a really bad rep, and it's it's mostly from people who have never been there.
You know? Who just hear
who hear about the cousins. You know? Right. You know, it's I don't know. It's it's a great place.
Like, it's Yeah.
What brought you to Hampton Roads?

(01:46):
So nice.
So after after, you know, graduating, I I, interviewed I I I got into finance because I really, you know, I wanted to be a doctor, but I figured out I didn't have the money or the time to do that. Because and then I was like, well, finance helps people not get bad health or bad health can cause bad finance too. They're deeply connected. So, I got into finance, major and marketing. So I got double major graduation and then, interviewed with, you know, Merrill Lynch, UBS, all kinds of schools up in Pittsburgh.
And everybody just told me what kinda sales I'm gonna be making, what kinda calls I'm gonna be making, you know, to give you the yellow pages, the white pages back in the day for those for you young people. And it was just all about commissions and all about sales. And I was like, I I've been helped so much through school, through working, through, you know, meeting my wife there. I was like, I want to give back. I don't wanna sell.
So I completely quit the financial industry and took a job with seven Eleven because they were just like enterprise or any of those places that, you know, recruit heavily at all the campuses. They're like, hey. We have this management consultant position, and you can pick Pittsburgh or Virginia Beach. And Melissa and I, you know, we were together in college, and we were like, Pittsburgh or Virginia Beach.
So Right.
Ended up ended up coming to Virginia Beach, and she was a teaching degree. So within three days, she got seven offers, for a job and, you know, my job with seven Eleven, was here. So we ended up yeah.
It is so funny. I randomly, in my algorithm on Instagram Exactly. It was
I can't hear that.
Exactly. Face was just amazing. Like, what? Yeah.
So I'm, like, scroll I'm just scrolling, and it like, the the whole thing was, how many times can I randomly pick a spot in Virginia Beach on Google Maps and find a seven eleven? Dude, they did it, like, seven times in a row. Like, Virginia Beach has, like, the most seven Elevens.
That close. Well, the Southland Corporation headquarters are right off in on Hampton. So that's why this was such a big, big area for seven Eleven. And, you know, back then, they still owned all the stores. Then they went into a franchise model, where they figured out that it was very expensive.
So now most of the stores in Hampton Roads are owned by operators, which were, like, the management consultants that I was supposed to be. Like, the one over here, I live on Cedar Road in in Redbridge, Chesapeake. The one down the street is owned by my old manager that was above me as a management consultant. Interesting. So she bought The one across from Publix?
No. Not the little one. The big one across from Aldi's or whatever that down the street a little bit further. Okay. Yeah.
I don't know who else is the one over there, but there's I think they're about sixty forty now, corporate versus, franchise owned, but it was a big shift back then, but it didn't matter.
You know what's weird about seven Eleven is it seems like a lot of them are closing. Like, I've seen two or three recently. It you know, I don't drive that much. But in my, like, kind of, like, roundabout, like, I just see that, like, they they're turning into something else. I'm like, oh, that's interesting.
And it it might be because of the potential individual ownership. You know, not everybody's meant to be a business owner. So, you know, I I was there for a year too long, but I was in in some of those, you know, regional success meetings and stuff where they talk about numbers and profitability and everything else. And it was a big deal where the corporate had to teach and bring consultants and stuff because the the managers and the they weren't business people. You know?
You worked up, so you're talking potentially people with no education that are hard workers, fantastic operators, great heart people with great work habits, but doesn't mean that they were great business people. And once you think that you can run everything, once it's everything's on you, things change because it's a it's a different I've I've said this so many times. It's there's there's a lot of difference when you sign the back of the check versus when you sign the front of the check. And it your decision making abilities change. So a lot of them will not know how to properly run a business.
So you know? Not because they they're fantastic people. I mean, the people that I worked with even back then, they're just they're they were great. It's just I think that's that's the, what happened to some of those, Zach.
That's a great line. I never heard that before, but I like that.
It's dude, I, you know, I do speaking, and it's a it's a people do not understand. You don't know what it's like. You have no idea. It's the hardest thing to teach when it comes to entrepreneurship, startups, you know, business is that the the the the guts, the crazy, the the insane that you have to be in order to live that lifestyle, it's it's not for the the very. It's not for the weak, because it takes everything.
It takes everything to know that every two weeks, you gotta find a way to pay your people, and they sign the back of the check. You're the only guy that signs the front of the check, and it's the weight of that is it can be crushing.

(02:07):
I remember, like, this is I don't I don't know. 2014, '15, '16 time frame, Eric Jaelson, who we all know Mhmm. He started at Hatch, and we had like, for six months, I and I I really feel like that number is correct. Like, we were talking about his first employee, and he's like, I think I'm ready. But I and it was like this back and forth, back and forth, back and forth.
And to see where he is now at, like, fifty, sixty employees, whatever it is, it's really cool to see because I lived that with him, those conversations, and I remember he was doing okay, and he could afford it. But it was just like, it's such a like, it's such that first person is so important. And it it's just crazy because I I I think people it's really easy for people to Monday morning quarterback and say, oh, man.
I was hired to do this.
And it's like Yeah.
Put put your put your everything behind it then know that everything's on the line. I mean, that's
because now that employee needs yeah. That employee needs to be making you four x probably to make sense.
Yeah. I mean, with the with and and the problem in today's world is, you know, consistency and being able to to you know, as a CEO, as a business owner, your mindset is completely different. You can't be the person that's in the weeds because you're never gonna be able to scale. And that's the one thing that I admire about Eric is that, you know, going from where we knew him back then, you know, you and I fifteen years ago to growth into that business ownership. And then if you remember, I mean, you were part of the story when he switched from, you know, project to to more management of clients and digital marketing and everything.
Like, that was a big scary thing because you're talking about potentially, you know, getting rid of some of the the revenue, but you have to cut some trees to allow for others to grow in potentially even bigger, which has happened. But all those things are sleepless nights. I can tell you.
Yeah. That and the fact that it's easy to do the easy things, and, David, founders will just keep doing the easy stuff as opposed to swallowing the
Well, you know, it's it's funny you say that because when when I started Squire, as as my, you know, another another start up, another company, I I I had a great team, but I I went to my team and I said, I don't know how to do this as the as the leader. I mean, it was smaller team, I think, five four or five at that point. But I was like, if you guys stick with me, if you give me time, let me learn. I promise I'll be I'll be the right leader for this. Because there's a difference in in and I worked with a coach on this, and it it made such a big impact on me, difference between a practice and a business.
And, you know, I have I have friends that obviously in in the medical field, they're practitioners. They might own an office, but if they don't do medicine, they don't get paid unless they have a whole bunch of nurses and everything else working for them. That's different. Right? But in in the financial field, it was a practice.
People needed to talk to the adviser. So you could have your own DBA. You could be, you know, your own business owner, but it's it's local. It's know, mostly have one or two assistants or something like that. But I was building a national impact company, and I was I was glad to hear my team appreciate the fact that I was vulnerable and extremely candid upfront to tell them that I'm not the leader that they need.
But then I bought, you know, 10 different books. I I started the the master's program. I made myself better to be better for them and to serve them better. But that's again you know, I I talked to one of my investors who I was extremely lucky to, to get acquainted with and, you know, for him to support our mission. But he was like, the the when we look at businesses to invest, we invest in the jockey because it's all about how the leadership's going to take the idea, the mission, the business forward.
And through conversations over the last couple of years, you know, I'm I'm a beginner's mind. I'm I will be the first to tell you, I don't know anything, and I can learn everything. And conversations with my investor, he was like, I wish more people didn't have as big of an ego as they do because you can teach them, you can learn, they can learn, but they're just not open to listening. And, you know, in business, and you guys know this, pivoting is extremely important. If you are so stubborn and so stuck in your ways that you cannot see either the changes in trends, economics, your, you know, product placement, go to market strategy.
And if you're not adapting depending on what you're learning, you know, I'm not sure how long you're gonna be around. So that adaptive strategy and and, you know, business is is, I think, what what you have to have the ability to to do as a leader.
Yeah. That's super interesting. In the sense that I because, I mean, I tell founders all the time. It's like, man, you gotta use vulnerability as a strength. Absolutely.
And yeah. And it's and
it's You ask for help in that.
Oh, I mean, Zach, you know this. I mean, you know, you know, I've talked so many times over the last probably many years. But, like, I stand on so many shoulders that I and I'm proud of that. Many people will see that as a weakness or, like, oh, you know, you didn't do it yourself. Nobody's done it themselves.
And anybody that said they did, they're full of shit because it takes I can't go to where I wanna go because I've never been there. I don't have the skills, the capabilities, the experience to be where I wanna be later, but there's somebody there that I can reach out to, ask for mentorship, ask for coaching. Because they're at the end of the dark tunnel with the flashlight, and they can go, hey. You know, here's a low roof. Watch out.
I hit my head there. Or there's a pothole here. Pay attention to this. We can learn from their mistakes, their experience, and get there faster. But it's gonna take breaking down what we think we are today because the skills, the abilities, the knowledge that took us to where we are today are not gonna take us to tomorrow.

(02:28):
So that's that vulnerability that you said is extremely important because I don't think that you can move forward unless you recognize that you're not good enough for tomorrow. You have to work today to be good enough for tomorrow.
Tim, how big is the nationals team that your daughter's part of? I mean, it's gotta be close to a thousand people.
I don't know, man. That's a great question. I know that there is, just within her department, I guess, if you will. I mean, there's nine or 10 folks. But, I mean, it's just there's a there's many, many layers
Right.
To making all that happen.
Because you see the nine players on the field, and
you're like, okay. You'll have more than that.
But it's,
like crazy. So many people. Oh, it's some crazy machine behind it. Like, crazy.
I mean, just yeah. Bizarre.
Because I yeah. I mean, you just see these organizations, and you're just like, wow. Like, how many people are there? Like, it's just
And then, you know, the the the the thing that I that comes up with that question is, how long does it take to make a decision and actually move on it? Because, you know, that that that the bigger organization, the glacier, pace. And, you know, I was I was talking to a couple of my friends, and they were like, you know, what are gonna do at the Squire? And I was like, I I wouldn't mind working at the at an organization, run a department, use my skills, and not have to worry about the, you know, the cash flows and everything else and really use my my my knowledge. And he was like, you would die in a big organization because, you know, as an entrepreneur, you move quick and you make a decision and you go and you can adjust and you can pivot and and, you know, you hit your head in a wall somewhere and be like, well, that's not the door.
That hurt, but let me go move somewhere else. In large organizations, I I feel like there's there's not a lot of that. So that is an interesting thing to think about, like, how big the organization can become and then how do you make decisions to be quick enough because today's market moves like this. I mean, it is it's crazy. So being able to keep up, it would be a hard thing to do, I think.
Don't you think that's a skill that people like, it's hard to work at a small business, a startup like that because you you aren't ingrained in, that at, like, oh, I have to do 50 things at once? Where if you work at another place, it's like, okay. Like, I can spend fourteen days on this one paragraph.
Yeah. And and, you know, who's gonna ask me about it? But the other side of I love the fact that you said it's different. You know, it takes a different personality to appreciate the startup, the entrepreneurship world, especially working with a a startup, not starting a a thing because might as well you know, I I put together job descriptions. It's worthless.
It's gonna well, and then I'm gonna add 17 more things, and you're gonna figure out eight more things that needed to be on there. So, you know, that uncertainty perceived uncertainty in people's minds where they're like, this is too too too too fluid. I can't do this. Because there are people that are extremely they have to be in a I show up at nine. I do this.
I go to lunch at twelve. I have forty five minutes. I work. I go home at five, and that's what they need. The the that kind of person is not gonna ever work, or be successful or happy, and satisfied in the very high pace change all the time startup entrepreneurial world.
It's it's you know, that's the beauty and the value of the startup is the uncertainty. But you have to be able to have the hotspot to, enjoy it. And that's why it takes the special kinda crazy.
Well, I hear yeah. Like and it's funny. I hear a lot of people talk about, like, Elon Musk is super, super difficult to work for because he moves so fast.
And sleeps under his desk and expect you to as well. Like Yeah.
And then, like, people so people will leave because they can't handle the pressure at SpaceX or Tesla. They go to another place, and they're bored out of their mind, and they're they end up going right back to

(02:49):
SpaceX. Well, the grass is always greener, but I think this is just a little bit different different in the, arena for that, you know, analogy because it's it's it's what your personality can take. And that's why, you know, when I hire people, it's funny. I was just talking like, my daughter's coming. We're meeting tomorrow to go over agreement and everything.
I was trying to talk her out of it. I was like, I am hard to work for. This is so quickly moving. Like, I in my interviews, I try to talk people out of working for us because the more dark and crazy I can paint the picture, and they're like, put me in coach Yep. The better.
Because then it's not a surprise three months later where I'm like, we're doing 27 things. You're on 14 of them. Where are they? And and for them to be okay. And and and and really thrive in that kind of environment.
A lot of people will just die and and go into and that the similar thing happens when you try to promote people past their capabilities. I've lost a great, great, person on my team because of that. And it was just, a pretty hard lesson to learn, but it's you know, I'll I'll learn about it afterwards, read about it, and have to be more careful.
Yeah. I have similar similar conversations with folks when, when I bring them on the team. I'm like, hey. I am not an easy person to work for. And, dude, we move really, really fast.
And if you're looking for, like, same thing every day that you yeah. It's just like it doesn't work like that in
this world. I gotta I gotta say the other side of you know, working with a coach, we we worked on, like, what are what are your what what are my primary values? Right? Because everything and we know Simon's cynic. Everything has to come from a why.
And Squire is absolutely a a passion project. I walked away, and Zach knows this. I was top 100 in the country on the, you know, financial planning insurance investments and stuff and doing really, really well. And then I just felt this terrible overwhelming call to build something that's past just that because I felt like I couldn't reach and I couldn't impact as much as I I wanted to and I should. So, it was definitely a a a big jump.
But it's something that, again, not everybody has the ability to do, and we are we're doing something great. So the right person is going to see and drive with the mission. And that's the one thing that I'm extremely, proud of is everybody that's on our team joined because of the mission. But then the second part of that is my number one value is time. Like, I'm from Croatia.
I I love my country. My mom is still there. I lost my dad, my gosh, eleven years ago, and that was a terrible thing. I was on the phone when he had a heart attack and, you know, having to fly there. It's just it's hard.
So for me, time. I want to be able to do what I do wherever, whenever, however I want and still have the same impact. So being in that, you know, surgery kind of position with the financial planning and and wealth management firm, I had to be at the office. I had to sit down with people at a certain time, so many hours a day, and it was not a scalable thing. And I wasn't making enough impact, but also I didn't have as much time as I wanted to.
So when I hire people, that's another thing that people can't deal with is, like, most most of our people are virtual, you know, California tech I mean, all over the place. I'm like, if you work from six to two, I don't care. If you work from two to eight, I don't care. I'm mission specific. Most big places won't let you do that.
You have to clock in. You gotta clock out. You gotta launch everything, like I said before. But the right person will take that and run with it and love it because they know that they can control their time, their family, their working hours, their, you know, lunches, their everything, but they'll get the job done. And most of the time, they'll probably do more in less time if there's, you know, the kind of the right person, then the person would eight hours where they have to sit there from nine to five.
So, you know, it's it's a it's a hard thing to truly find right off the bat. But like I said, like you said, Tim, if if I'm pushing somebody away in our recruiting and and and, hiring process and teaching them how we really think because I'm I'm Croatian, and we work to live. And that's a hard thing to for people to understand. So my my way of doing things is just a little bit different than a lot of companies out there. So a lot of people when we're hiring them, they're they're like, what are days off?
I'm like, take what you need. What are your you know, deal on the holidays and like, just do work. If you wanna take a week off, take a week off. Just make sure, you know, stuff's covered. Just just be a part of the mission.
We're on the same bus. We're on the same place. Just get stuff done. I don't care if you do it three hours a day or nine hours a day. It's up to you.
So but the right person is gonna do even a better job in less time.
And you can tell if they're yeah. Like, generally, how much they're putting into it. You know? It's just it's it's not hard to figure out.
And Zach Zach knows, you know, everything about EO and stuff. And one of the things that I took away from EO was the entrepreneurs organization. One of the speakers, Jack Daley, his biggest thing was hire slowly, fire quickly.
Spent with
him in in our situations when you're when you're in the startup entrepreneurship world. Time is not a friend because cash flow, payroll, revenue, growth, all that stuff is is very time specific. And that's where people you know, you send them an invoice, and you're like, I already made plans for this, so please pay me your time. They don't understand how, you know, being a small business, it's every every check matters. But when it comes to finding the right person, I have been burnt where people are like, yeah.

(03:10):
Yeah. I'll do everything and great. And then they end up not doing what they said or being capable as they said they were. So, you know, hire slowly, fire quickly because it's it's expensive.
I don't know how companies do, like, net 90, net one twenty. I've seen some I'm like, how? Like,
what? No, dude. Net 30. I'm like, nope. Net 50.
No. It's
pay me next week, actually. No. Prepaid. Like Dude, like, I don't I don't understand. Like, how can you I mean, that that just means either, you know, bankroll, you know, stuff or or like, I I have a friend who owns a business, and they do factoring.
So they have a company that gives them percentages to cover the the all the their accounts receivable that they have, and they're all, like, at thirty, sixty, or ninety day. So that way they can keep operations and pay stuff, and then, you know, there's a small fee. Usually, one and a half, two, or 3% depending on the company that can, you know, give you pretty much a loan based on your AR, and then you pay it back as the AR comes in. Because it is. It's impossible to I mean, I I don't know how it would work if if it's a net 90, net 60 even.
That's a lot of time in a small business.
Yeah. I don't know. You know, one of the things that we learned in business school and I don't I can only assuming that everything is true, a lot of people are like, hey. Costco makes all their money on membership fees because that's just gravy that comes in. But
Is that true?
That's
what I'm what we learned in at at business school was that is Costco has been able to negotiate the terms on invoicing so much. So if they can do a net 45, net 60, or 90, they're able to turn that inventory
Yep.
In a day.
Pricing per yes.
And they can turn it over so fast, you know, that, you know, they've already you know, they're they're making so much money before they're they even have to even pay those invoices that
I would imagine they sell out of most things too. Right? Because aren't stores like Costco and Sam's Club? I'm a Sam's Club member because it's closer. Right?
But I would like, it seems like they're just spinning through stuff there. And if it doesn't move, they're like, oh, let me put the yellow ticket on it. Absolutely. They were
renovated cost or less. Absolutely. But that's just that's just a good business model that they've done forever. You know? The the one business model that amazes me and so freaking genius is, like, Paychecks, ADP, those places.
You know how they make money? They don't care about the fees and people and everything else. They make money on the spread of of interest of when they draw the payroll and the tax. Right.
They Right.
Get to keep it one, two, three days depending on when it's drawn. That fractional interest on billions and billions of dollars in that escrow account, they get to keep. The the business doesn't get it. The employees don't get it. Nobody gets it.

(03:31):
So you're talking stupid amounts of just easy money that it's they're not doing anything wrong. They're just using that one, two, three day Yeah. Carry. And Starbucks. Starbucks, amazing.
You know, they're one of the biggest banks in United States Of America by deposit because who doesn't have a Starbucks app? And you have $25 sitting there, and you might not go for a week, and then you immediately load it back up. They get to they're not giving us anything for that money. The fact that they have so much in deposit and that half a percent, 1%, 2% that they make on those deposits is ridiculous amounts of money that cost them nothing.
So Yeah.
It's a pretty, you know, pretty amazing
low paying one.
You have two Starbucks app too? I could see.
Well, yeah. And as I'm thinking about it, I have a ton of money that's sitting on it. Every time I get a gift card for, like, speaking or something, like, I just
Gift cards 30% of gift cards are never used.
Yeah. Yep. Yeah. Because half the time, they're forgotten or whatever. I've done that.
So now as soon as I get one, I'm like because I forget it somewhere, and it'll be in a drawer sale for three years.
One of my clients okay. He had I think it's, a spreadsheet, and he puts, like, a sticky note on it saying, like, the date and the amount of the expiration date so that it doesn't happen. So one time he was like, oh, we gotta go to lunch. This expires tomorrow. Right.
We know where we're going. Yeah. Yeah.
Well, it's the same deal with furniture stores, man, with all the financing stuff. They don't care about the you know, they don't make money on the sale of the furniture. I mean, it's just
They do a little bit. And same. I mean, I you know, we have a lot of relationship with auto dealers. Auto dealerships, their business model is service supports the operations most of the place. If you got a good dealership and the sales are just extra, it's just gravy because the service is the your your consistency and and, you know, during COVID, the dealerships I went to visit, they were making 60% on service, the service department.
So are you telling me that when I bought I you told me that when I bought my Jeep, that negotiation, I'm actually the one who got screwed?
It's not a it's not a screw. It's just I mean, you got a good deal on the purchase and stuff, and then they hope that you, you know, bring it in. Why do you think they do the, you know, one year, two year, you know, free free oil change
cost forever. I get it forever.
Yeah. Because you think it's such a great give, but you back and then they're like, oh, you need new tires and you need this and you need to you know, you're a a level or this this thing and this thing is $200, $300, $500, but they that's their lost leader. It's fantastic because they want you back on the platform. And then and then if, you know, it's three, four years in your car, they're like, oh, by the way, we got a loaner for you. Here's a new new car that we just got.
Give me a little taste.
You don't wanna go suck going back to your stinky car afterwards. Not that your car is stinky per se, but you know? But, again, just a great great business model.
Just a standard Jeep Wrangler. What what are you driving these days? I feel like you last time I saw you, you

(03:52):
were in
a convertible.
Just a just a car. Mhmm. I so there's a convertible story. Alright? There's there's a story.
So I wanted a motorcycle. And Melissa was like, I will divorce you if you get a motorcycle. And there's a big story behind it because her dad in West Virginia is a big Harley, always always had a Harley. He was in a, you know, Harley accident. Then my brother-in-law decided to buy a Harley.
He said he he rode motorcycles. I don't think he ever has. Almost killed himself first day in front of the house. My wife, Melissa, was there. Everybody was there.
They took the Harley off the, trailer, and he ran it into a neighbor's building and busted a bean with his head and almost stopped. Like, it's just and then his brother, six months later, bought a Harley, driving West Virginia roads, drove, you know, big left turn, car coming the other way, head on collision, and lost a leg from a knee down. So not great experiences with bikes. So I was like, well, how about a convertible? She said, yes.
The next day, I bought a convertible. Because, dude, we live in Virginia Beach, Chesapeake, Norfolk area, like, eight, nine months out of the year. I I have my top down. And, you know, for dates and enjoyment, and I
drive a lot. True story.
I wanna I wanna have a nice car because I spend a lot of time in it. Like, for me and I don't know how you guys are, but, you know, Tim, we do speaking as well. Like, I've been stuck just this year five times overnight on airports, airplanes
Oh, dude. It's so bad.
And terrible. So my deal is eight hours of drive or less, I'm driving. Because I'll schedule I'll schedule meetings. I'll I'll listen to podcasts and stuff. I can control everything about it.
I have a nice car. I can listen to music. I can do whatever, and time passes, but I don't have to worry about because two times this year, it has cost me not being able to be able present. One time, I wasn't able to speak because they couldn't get me to the location. I was supposed the day earlier until the next day, nighttime, which was the second day of the plat of the conference.
Dude, it's a crapshoot, man. And it like, with with us, do we pay the money to to get lounge access? That's all. And, like, we will do we will have extended long layovers based on what Lounges Airport has so that we know that if we're gonna sit there, we can work in the lounge. We can eat.
And because So it's free food?
Free food. Yeah.
Centurion line? Free drinks. Oh, yeah. That's I have the centurion. We have United.
I can't remember. I used to do the oh, Delta Sky Club maybe. I can't remember. I don't remember their
being sued. The same. Oh, there's there's good food and, like, they'll have, like, four or five, you know, bourbons of things and drinks that are free and everything else you can pay for. But it's it's just the like, tell them I've I've been stuck many times, and that's, like, that's the best that's really good money spent to have that access.
Is it is it real silverware, or is it, like, plastic? No.
No. It's real. Dude, I don't know if you've flown lately, but the last so we were, you know, we were in in England and Croatia, and now they're doing wooden spoon and knife. There is nothing worse than putting your tongue on a wooden freaking fork.
Like Dude, it gives me the chills to hear

(04:13):
you talk.
No. Like, it's the worst. Like, I almost was like, can I just use my hands? Like, I don't want don't wanna do this. It gives you, the heebie jeebies.
It is awful. I'd rather do plastic. It it sleeves, like, you know, slick rather than wooden, and it's awful. It's so bad. But yeah.
To me, like, I look. I'm all about the turtles, and I know the straws. But, like, people walk around in the straws. I'm like, yeah. That's kinda weird.
Like Yeah. I I don't think I had a woman a wooden spoon to my tongue, though. It's a
terrible as you can as you are thinking as bad as it is, it's bad.
It take me back to elementary school when you had the ice cream cups and you had to eat them with
the Oh, yeah. The little the little plat the the wooden spoon.
Yeah. Yeah. But that was, like, just like a That's like the end of a popsicle.
Yes. Yeah.
I missed those pizzas. I wonder if they were actually good. Probably not. Gaffati pizza? Yeah.
That was
like Didn't didn't Jeremy what not Jeremy. What's his what's his name? The British guy. I was like, they had pizza as as having all the vegetable servings for the day as on the menu. What is it?
Jamie Jamie something, that came to The United States and did, like, all the stuff about school food. And, seriously, they had it listed as pizza, like, so many servings of vegetables because of the tomato sauce. And it's like, what the heck, dude? It was unbelievable. So We're
gonna you're talking about now. That's ridiculous. Yeah.
It it is ridiculous. It's hilarious.
So what is Squire?
Oh, yeah. Okay. I think I wrote everything down. So it's like I said, it's a
I'm like, this is your opportunity. You're like, oh, I don't know. Like, cases
I already did all this shit. No. You know, it's so you'll you'll find I think you're finding this funny. So, you know, back in the day, I don't do them anymore, but you would go to, you know, networking events and chamber and all that stuff. And now I go to hire, you know, like, CVDA or or chamber.
That's still great. But then people ask me, like, what do you do? I'm like, can I just have a a, like, a index card, just hand it to you? Like, here, read this, and then we can talk about everything else. And then you turn to another person, they're like, oh, what do you do?

(04:34):
I'm like, here's my index card. I'm like,
financial literacy.
Sure. Sure. How do we how do we move
beyond content delivery? Squire emphasizes supportive community. Our YouTube approach, the company's mission is
to help families. But I feel like our connection is bad.
What is your target market with Squire?
Again, Squire Squire it's funny name. Right? Everybody's like, hi. What's the name? So when I would teach so I'm I I was a financial professional.
I am a financial professional for twenty three years. And, seeing across from all kinds of people, great, educated, smart, and successful, and I would ask them just general financial questions. And most of the time, they had no idea what I was talking about. So, like, you know, simple math interest, compound math interest, buying cars, houses, mortgages, kids, insurance, all that stuff, and they're they just didn't know much. So I started doing research on what's available out there when it comes to the true financial wellness, financial literacy that's not connected to a product or a company.
Because banks will say they haven't, but all they're doing is teaching you how to use their loans, how to use their credit cards, how to use their car loans, and things like that. So it's very pointed towards a specific outcome that they want for you to engage with them, which is use their products. So I found that there was just a need for something that's a true and empowerment tool, so we started building curriculum for a financial literacy wellness platform that was really designed to be as a part of benefit for employees of companies that wanna offer it for their employ for the employees by the employer. And it's self self study, no sale, no product, no data, no spam. It's not a chosen horse like some companies out there.
So we found a pretty good success there. But the reason we call it Squire is because when I teach you know, we're here in Hampton Roads, obviously, with the Navy SEAL teams and EOD and all the stuff. I would teach some of those teams, and I would always teach you know, in medieval times, you knew who had the most money. They had a big old castle. But then what did they have around the castle to protect from anybody coming in and stealing and looting everything?
They had a big old moat. Well, today, we have the castle. It's our houses, our cars, our incomes, our savings, our you know, all the things. But then the moat, little gecko tells us fifteen minutes, saves us 15% or more. So all the things of moat have been forgotten or sold on price.
So Squire and I wish I would have come up with a name, but one of my team members did. If you ever thought about naming a company or a book, it's not as easy as you, I think.
It's the worst exercise ever. Yeah. Well,
but Squire is the little person the the the person that prepares the night for battle back in medieval times. So the idea is we prepare people for financial battle life. And so our our we're really playing three lanes. We started off as an employee benefit, got really good success, and then got lucky. Air force representative saw it, so we won a government contract with the air force.
We rebuilt all of air forces. They're called terminal learning objectives set by the senate for airmen and women to learn. So, you know, after, basic first promotion, first post, first deployment, first child, wedding, I mean, divorce, promote all the all the things that have to do with with the life of an airmen and women, We just closed we just finished that work in August, in October, which was awesome. And then the feedback was, this is fantastic. I wish you would've known this stuff twenty years ago.
So I'm a nerd, went to a conference for higher ed. So I was like, how cool would it be for, you know, 10, like, our kids to know this stuff coming out of school and that they have a place that they can learn it without somebody trying to sell them something. So I interviewed about 20 presidents, did a viability study, and it was an overwhelming, oh my gosh. Yes. This would be amazing.
It is a strategic conversation on campuses. A lot of kids are not either going or dropping out because of the money, because of stress, because of, not understanding, you know, the value. And then, you know, you had Gary Vee's and our mosques and everybody telling you that you don't even need to go to college because it's worthless and you can go to, you know, whatever value city and buy stuff and then sell it for 10¢ more and you're making money. Like, that's that's that's, you know, the story that's being sold out there. So, yeah, we had four presidents that agreed to be on a development committee for the product for higher ed, and, we launched that last year.
We just we're about 40 schools now, and we just got picked. We're the only ones to, have the ability to work with, the schools of independent schools and colleges, which is 33 states, 920 schools represented. So we just signed that agreement. The announcement should be coming out next week. So it's just been it it's it's really a work of passion because I built it with three missions and motives behind it.
Number one is put financial leaders as many hands as possible, because people need to know how to make decisions based on knowledge and what's right for them rather than somebody selling them something. And that's the second, motto behind it was teaching teaching people how to buy rather than being sold because most financial products are sold. And then there's a lot of potential for, you know, buyers remorse later and wondering if somebody's doing something for you or for them, and you find out too late to potentially too late, and it's cost you quite a bit. And then the third one is something that we're still improving is, education without implementation is worthless. So really taking people into place where we're teaching them, but also empowering them to make decisions and doing things for their household.
So the school thing has been amazing. It's just I gotta say, I'm I'm very it was a big risk. It was it was not easy, but, I'm proud of what the the feedback has been, the the impact that we've been able to make, and our our new goal is, impact a million lives by 2028, which is
That's amazing. I mean, I just why they don't teach this stuff to kids at a younger age is just criminal.

(04:55):
Well so, you know, it's it's funny you say that. So, again, I'm a nerd. So we tested when we were building Squire, we tested with middle school, high school, college, 20 year olds, 30 year olds, 40 years, 50 year olds. I had a bunch of people in my office and just kinda did again, you know, I work off of my remarkable, and I had my, you know, 20 questions. I brought food and drinks and everything else.
And what I found is very interesting. Middle school, high school could not care less because it's a chore. You're not paying bills. You don't have credit. You don't have car payment.
You don't have insurance. You're not buying a house. You're not having kids, hopefully. All the things that you're learning don't matter. So if you start that way too early, then you're putting a negative connotation in the person's mind, in the kid's mind that they had to do something.
It was homework. It was something that didn't matter, but they had to learn anyway. So just like, you know, trig or any other things that 90% of us are never gonna use, you have to do it. How do you feel about trigonometry today? Not really the topic that I care to talk about.
So I
Or know anything about. Or know anything about.
But it's it puts this negative connotation on the topic, which then can be very negatively impacting their life and ability to Yeah. There's gotta be a way to listen. Right? Now 10% gave a shit, and that was just because who their parents were. It was a banker, financial adviser, attorney.
The conversation at dinner table was okay. It was totally fine. It wasn't taboo. It wasn't a turn. It wasn't a pain.
It was a tool. Those are the 10% that did and cared, and it just depends on the dinner table. College, that's when it started making making a lot of sense because you got credit. You potentially have a car. You have to, you know, pay some bills.
You gotta you gotta start planning stuff. So that's where it matters. The most interesting were the late thirties and forties, embarrassed, feel like they're behind, they don't wanna talk about it, they don't wanna ask. They they feel like if they ask, they're gonna be they're gonna look stupid, they're gonna look ignorant, and they tend to put their head in the sand, which then we come in, no need to talk to adviser, no need to buy anything, no need to do anything, learn at your place. You don't have to go anywhere.
You don't have to show up at you know, for day or something on a Saturday, you know, at at the school or or, you know, church and and tell people that you need help. So we fill that void of your space, your freedom, your ability to learn whenever you want, whatever you want, whatever it's it's yours. And and he walks with you, and that's the big thing difference between some some of the planes out there. Like, you know, when you show up for for a classroom thing, you walk out and life hits you in the face. And then six months later, you might be buying a house, a car, you found out you're pregnant, you need a new job, you need something.
You don't remember what you learned six months ago, but there's nothing that walks with you that's gonna empower you to make that right decision. We walk with them. We're there the whole time. So it's it's been, you know, a lot of learning, but a lot of just amazing feedback and amazing impact. We've been very
I'm really super bullish on the the Invest America Act Mhmm. Where I don't know if you've heard about this act, but they'll every child that is born in America, they'll get a thousand dollars deposited into, like, an index account index Mhmm. Fund spread across the 500 best performing companies in The United States. And just the compounding effect that those kids will receive, you know, is just what a great way for them to learn about just some of the fundamentals Absolutely. About this.
It's huge.
That's cool. I didn't know about that. I just think about, like what is it? 75, 80% of people live paycheck to paycheck. You you hear about the student loans and craziness behind that.
And Yeah.
It's just there's gotta be a way to teach people this stuff that's not homework from from
that point. Man, with this with Invest America, man, it's like they can watch this stuff grow
over time. Because then they see how
it goes, and then it's exciting. But the the thing about that, that's just one little piece. Right? That's an account. Right.
But you still got budget. You got house. You got kids. You got insurance. You got a lot liability.

(05:16):
It's got risk. You got business. You got all the stuff that's
Yeah.
That's hanging over your
head. Marathon.
Yeah. And it's it and that that's exactly it never ends because
But there's lot of people from a business perspective that think that way too. Right? The thirties to forties, like, oh, my business isn't working.
And it's one of those things, man, with, like, if the risk is selling like the old guy, You know? Like, we're you know? Like, Like, we're Guys. Well, in just a sense of, like, we have daughters that graduated from college. This is like, now is the time, man.
A $100 a month, man. Like, compounding effect
on that
is huge.
We did that with Maya, man. I mean, my kids have you know, we bought small cash value policies, $2 a year for each when they were born, because that's what Melissa's parents did when she was born. And then we you know, with Maya, we set up a Roth IRA, a cash value policy, and mutual fund, and I split whatever she puts in, I put in half. So if she she puts in a 100, I put in a 100. If she puts in 200, I put 200.
When we were when she was little, we have these, I don't have one to show you, but it's a plastic, piggy bank, and it's got four sections. So I give that to people usually, and it says, save, donate, invest, and spend. And as she's was earning and my twins are earning, you know, their money, I would give them over some cash. And I was like, hey. Here's dollar bills.
Choose how you wanna separate that and then teach them what that means and how it works. And every, you know, November, December, we would go and take her donate money. I would again well, listen, I would imagine. I would go, you know, buy stuff for the given tree at the church or, you know, donate somewhere, but she had to do it. So just teaching, first off, how lucky we are.
Second, that there is value to money besides just yourself, but that you always have to take care of yourself because today, Daniel should take care of the future Daniel. And that and, you know, teaching my son especially, a dollar is not just a dollar. A dollar is what a dollar could be. So every decision that you're making, whether it's shoes, AirPods, you know I don't know. My son loves the swords and everything.
He's a dude. So I'm like, you're spending money on stuff that's not a dollar. Like, you just spent $27 on this. That could be 3,000 in twenty years. Like, just teaching them to think of decisions.
Every decision has a consequence to it. You either do this or that. You always have to look at both. You cannot look at one dimensional thinking when it comes to making those decisions. Because everything every every action has a reaction.
Right? Dude, you know how to do this.
It's a bizarre conversation, man, and we can go on forever. And it's just, like, trying to and I'm also, like, reading in the process in the middle of die with zero. And that's you know? So it's just like, man of battle, you know, like, you know, future future future then die with zero. This
is this is the thing that I'll tell you. You know? I'm I came to America. Right? I I'm not from here.
I learned the American system. I I'm a big reader like you guys. So learning about the the Rockefellers and how how truly you can build generational wealth. And I am planning to die with zero, but I have a bin flip, big MF life insurance policy that's in a trust that will replace everything that I spend and my kids get tax free. So I'm using 10¢ on a dollar to provide an asset that's gonna be there for my kids.
And then in my in Melissa and I's will and trust, we also have stipulations that any kids that are born, life interest was purchased in the trust so that we continue that trend. It's very simple, but it's just like, I'm I'm very much a a student of my craft. So, you know, learning what the most successful people have done, you can you can figure all that stuff out. Nobody has to tell you. They can read.

(05:37):
But there there are things that have been around forever. And, like, I love Dine With Zero because I get to enjoy the fruit of my fruits of my labor, but I also wanna make sure that my family is taken care of afterwards.
So That's right.
There's a way to do that.
Very cool. I'm gonna check I'm gonna check out that book. But before then
Really, it's a good read, man. So to sum it up, man, like, the thing that really stood out to me so far, and, again, I'm only halfway through it, is the fact, like, if know, you can you can still give to family and charities and all that kind of stuff. But, Zach, if you were to die with 200 $300,000 in your in your account, and if you were making a $100,000 a year, you just worked three years for free.
Well, you were really, really nice to somebody else.
Well, the good news is I have a Hoopla account with my library card from the Silver Library, and I just download that bad boy for free.
So thank you very much. Thank you so a much. Die with a I'm a
I'm a die with a free audiobook. Okay. So we end almost every show with a a certain question, mister Danny Jelvilechki, as you
Nailed it.
What is the food of this region, or, like, what is, like, your go to place to get a meal?
Here? Oh my goodness. So I I, I see a therapist, and I take shots against, my my problem with sushi. On a regular basis, unlike Jeremy Piven, I'm this far away from a mercury, poisoning probably. So I any sushi place is fantastic.
I specifically love Volcano in in Norfolk because it's all you can eat sushi, which goes to my problem with my therapist. So that's probably that's great. But the the the real place that you most of them just had our twenty four year anniversary, and Aldo's is probably my favorite Italian place and service and location and atmosphere and everything. Like, we've been going there for twenty plus years, and it's just amazing. So those are probably two places.
One small and you probably know this, Zach, right on the corner by Town Bank, the little bookstore that has the little a little shop in there.
What's leaping lizard?
Is it is it the is that what it's called? It's, Brian owns it. Great great the best soups in the freaking area. Thursday, they have they have a a They have a good cookie back
in day.
Yes. Yeah. But, dude, it's so that's my, like, little hidden pleasure because every Thursday, he makes this chicken dumpling soup that's out of this freaking world. Right? I have to go there.
So, like, we're 12:05. Like, I'm like, guys, it's Thursday. You're killing my my soup time. Well, I I wanna say it's sleepy lizard because I I'm just looking at it.
I think it's sleeping lizard.
Frost from it's frost from grain. Yeah. Lizard comes in. There we go.

(05:58):
Lizard comes in. Is he a soup Nazi?
He could be, but he's not. I feel like he's, like, a bad weekend away from that, but, because I've seen him on, like, crazy, crazy, crazy busy days, and he might throw freaking something at somebody. But, you know, I haven't seen him do that. But he's just standing there.
My understanding is that Seinfeld's story is a real story. Yes. Like, there was a real guy that
was actual an actual guy. Yeah. But, yeah, that's my that's probably my my little little hidden secret that I just learned about couple years ago, and I'm like, dude, that that place is awesome.
Well, to check it out again. I haven't been there a while.
Check it out again.
Well, DV, appreciate your time. This has been lovely.
This has been all over the place. People are gonna be like, what did they talk about?
That's what makes it great.
Exactly. I love that because, like, you know, you go to podcast and people are like,
no. Well, that's why we don't have questions that we we don't people are like, what are the questions you're gonna ask? We don't know what questions we're gonna ask. This this just goes wherever it goes.
If you got good energy and stuff, it just just happens.
You know? That's right.
It's better to happen.
Alright, brother. Good to see you.
See you soon. Always. We gotta do some drinks or or, you know, Lizard Cafe, soup one day. The drinking sounds good. I appreciate that.
Hey, Tim. It's great. Thank you for the today. This was awesome. You

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