January 13, 2025 • 15 mins
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Are you ready to make decisions today that your future self will thank you for?
In this episode of Boosting Your Financial IQ, Steve dives into the life-changing milestones and tough lessons learned on the journey from struggle to success. Whether you're starting your first job, launching a business, or figuring out your financial path, this is your chance to gain tools and insights to secure a brighter future
Tune in, challenge yourself, and discover why the sacrifices you make now could pay dividends for a lifetime. Don’t miss this inspiring episode—your future is waiting!
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Steve (00:00):
One day you'll be my age and you'll look back and you'll
either be so grateful for thesacrifices you made or you'll
regret the decisions you madeearly on, because it's really
hard to fix.
This podcast, boosting yourFinancial IQ, is about business,
financial literacy, strategiesfor profitability and the
principles taught at byfiq.
com.
My hope is that you'll applythe lessons learned and that we
(00:22):
can work together soon in mymastery program.
Enjoy the show and don't forgetto subscribe.
If you're between 15 and 25years old, this episode is for
you.
Think about it.
Over the next 10 years, so manylife changes are going to be
coming your way, which is reallyexciting, right?
I mean you may be graduatingfrom high school, starting
(00:43):
college or vocational training,graduating from college, getting
your first job, moving out ofyour parents' house, starting a
serious relationship, gettingmarried for some, buying a car,
renting or buying a first home,traveling and exploring the
world and maybe having somechildren, just to name a few.
I mean these are crazymilestones that will be coming
(01:07):
your way Now.
Look, the decisions you makeearly on in life will have a
radical impact on your future.
When I was 16 years old, I lefthome right.
I moved out of my mom's house.
I love my mom to death hasnothing to do with my mom.
She's just married to thistotal punk and he was like it's
either my way or the highway,steve.
(01:27):
So I chose the highway.
So I left home $0, no safetynet whatsoever, right, none.
My mom had zero money.
She's basically a single momfor most of my upbringing and
the guy that she married trustme, he was not contributing,
okay, so there's no safety netwhatsoever.
So I go and live with my sister, I move into her house, I move
into her basement she was sosweet just to let me live with
(01:49):
her.
But here's the deal there areno windows.
In fact it's the laundry roomconverted into a bedroom.
It's a little ghetto, but hey,it worked and I love my sister
and is very comfortable and Igot to live with her and her
husband and her kids, which wasa huge blessing.
Anyways, I was working at DairyQueen making $4.25 an hour that
was minimum wage at the time,which is crazy to think.
(02:10):
You know, you work like 40hours a week and you make like
160 bucks and then you pay taxesand then you walk away with
practically nothing.
And I remember my boss.
One day he came up to me.
He's like, steve, you knowyou're doing such a great job
that I'm going to give you araise.
I'm going to bump you up by 10cents an hour to 435.
And I was like, oh, thanks alot, buddy.
That's like so generous of you,thanks for giving me $4 a week.
(02:33):
So, all right, so that was mysituation.
I was like I got to do somethingdifferent here.
And that's when one of myfriends came to me and he said,
steve, I work for a sprinklercompany.
And I was like, what the heckis a sprinkler company?
He's like we dig holes in theground, we lay piping and we put
in automatic sprinklers sopeople could water their grass.
And I was like, oh, okay,that's interesting because where
(02:53):
I came from in California, wewere poor and we didn't have a
sprinkler system.
We just had a hose and a littlesprinkler attached to it.
So I decided to go work with himand I was making 10 bucks an
hour and I was able to take myshirt off which was cool for
somebody in high school and get,you know, really a sunburn,
because I don't really tan.
Believe it or not, you see menow.
I'm a bald headed guy, but Iused to have red hair and my
(03:16):
skin is very fair, right.
Oftentimes I get so pale.
People probably think I looklike a polar bear that just
escaped from Antarctica.
But nonetheless, here I was,working this job, making $10 an
hour, and I did that for acouple summers.
And then I went back my junioryear and guess what?
They were gone out of businessand I was like what the heck am
I going to do?
And I started handing outbusiness cards for my own
(03:38):
sprinkler company and I startedgetting some calls and I charged
$50 an hour and then I markedup the parts like double.
So I was making pretty goodmoney, you know, especially for
that age and especially comparedto four 25 an hour.
All right, I don't mean to boreyou with my life.
You know, everybody has theirown challenges in their lives.
Trust me, I share all thisbecause at the time I was just
(04:01):
doubling down on my business.
So all my friends, they weregoing out, they're partying,
they're sleeping in, they'redoing all these things which,
hey, no harm, no foul, no shameto you if this is what you do,
but for me I was out therebusting my butt, handing out
flyers, making myself vulnerablelike knocking on doors and
being rejected all the time andit wasn't easy.
(04:21):
But I learned tremendous skillsand I was able to grow my
business.
And little did I know that Iwas going to grow it into a
multimillion dollar company andthat was my first business.
My point is is that all thosesacrifices that I made in the
early days, I had no clue thatthey would have a major impact
(04:42):
right on my life today.
So when I was 16 years oldrunning my company, I grew into
a multimillion dollar business.
Like I told you, I had no cluehow to read financial statements
right.
I had no clue.
So I'd get the financialstatements from my accountant
and I would look at them, ensureI could understand revenue, the
top line and profit, butanything in between.
Yeah, I had no clue what theysaid.
(05:03):
Think about a balance sheet Ihad no idea what that was all
about and a statement of cashflows yeah, forget about it.
So here I was, running thismultimillion dollar company,
making tons of mistakes andleaving a lot of money on the
table just because I didn'tunderstand the story behind the
numbers and the levers to pullto impact profit.
Why do you think I'm sopassionate about boosting your
(05:23):
financial IQ.
So all those experiences, likeall those sacrifices that I made
early on, paid huge dividends.
Now, after all this right, Idropped out of college, in fact,
when I was a junior right.
It's nothing to be proud of,but that was me.
My business was exploding and Idecided to grow my business, so
that's why I left school.
Later on, I went back to schooland I finished.
(05:46):
I got my undergrad inaccounting and finance, got my
master's in accounting and thengot my MBA from the Fuqua School
of Business at Duke University.
So I went back and I finishedmy school.
I spent eight years of my lifestudying numbers, which I'm
grateful for, but I made a tonof sacrifices along the way.
So, like in my twenties here, Iwas growing this business.
Right.
Even in my mid twenties, I wasmaking a ton of sacrifices,
(06:09):
because then I was running mybusiness and then I was going
back to school.
And then in my thirties I wentback to school some more and at
this time I had a kid and I hadthis business that I was growing
and I was just killing myselfOftentimes.
I remember there were nightswhen I would leave grad school
after studying in the libraryuntil 11 o'clock and I'd be one
(06:29):
of the last students on campus.
I'd walk to my car in the darkand then I'd drive home and then
I'd go to bed for like fivehours and I'd wake up, do my
business, go to school, studyand repeat all over again, over
and over, for like two years,and these sacrifices that I made
during this timeframe allowedme to be where I am today, right
(06:50):
?
So some people will come to meand they ask for advice, right,
career advice?
Or they're like Steve, how didyou do this, like, so quickly?
I'm like I didn't do it quickly.
If you would have saw me backin the day, you know I was broke
as a joke and I was busting mybutt and it just took so much
time to get to where I am today.
So what you see about me today,steve Cochran took years to get
(07:12):
to this point, even as itrelates to accounting and
finance, like I'm, I'm sopassionate about this topic, but
, look, I've spent thousands andthousands of hours of my life
in spreadsheets.
So when I'm building afinancial model and I could like
bust it out super quick, trustme, I was nowhere close to where
I am today when I first started.
(07:33):
So I share all this because Iwant you to know that the
decisions you make right now,fortunately or unfortunately,
will have a major impact on therest of your life, right when
you go to school, how well youdo in school, what job you take,
what friends you hang aroundwith, who you choose to start a
(07:54):
serious relationship with, aromantic relationship, where you
live, where you travel, etcetera.
Like all these things are goingto play out, and one day you'll
be my age, I'm 45 years old,and you'll look back and you'll
either be so grateful for thesacrifices you made or you'll
regret the decisions you madeearly on, because it's really
(08:15):
hard to fix Now.
In my ecclesiasticalresponsibilities at church,
oftentimes I have theopportunity to work with
individuals who are struggling,you know, with their personal
lives, and sometimes thatrelates to their finances.
So years ago I was in thisvolunteer position for my church
and it was called theemployment specialist.
So I would work withindividuals who were struggling
(08:37):
to find employment andoftentimes, sadly, I was working
with older individuals and whenI looked at their experience
and their resume morespecifically, I realized that
there was a massive skills gapor an education gap which was
preventing them from earning theliving that they needed to in
order to sustain their familyand to sustain their life.
(08:57):
So it's really hard to go tella 55 year old to go back to
school or tell a 60 year old tomake better decisions back in
the day, to build differentskills Right so early on.
Like right now is the time togrind.
And in my family I'm remarriedand between the two of us, my
wife and I, have five children,and one of my stepchildren came
(09:19):
to me and he was asking for somehelp with starting a business,
and I'm like so bullish on thisfor the younger generation like
starting your own business.
Like back in the day I startedmy business, but in order to
advertise my company, I had tolike hand out flyers and print
business cards and and do a lotof one-on-one sales.
And nowadays we have theinternet, we have YouTube, we
(09:40):
have social media, we have paidads.
We have all these resourcesright in front of us.
So it's so easy to start abusiness.
And so I helped him lastweekend to set up his business.
We created articles oforganization, we set up his
employer identification number,we created a logo, a name for
his company.
We even set up a website and Iintegrated some widgets and
(10:02):
technology so people could go tohis website and schedule with
him.
And it was really fun, like Ihad a lot of fun with him and I
thought, wow, like I am so proudof you right now, like this is
so cool that you are taking thetime to build your own business,
to sacrifice, like, your ownmoney and your time to build
this, while your other friendsare out jacking around.
(10:23):
Now, don't hear me wrong,because it's fine to have fun.
I'm not saying you have to justwork, work, work, but I'm
telling you the decisions youmake right now are going to have
a major impact on your futurelife.
So I've had a lot of peoplereach out through my LinkedIn.
They'll send me privatemessages and one guy in
particular.
He is still in high school andhe was telling me about this
(10:43):
business that he started and howhe's already made several
thousand dollars, and I was likeGod, it's so cool, that's so
neat.
So keep up the good work.
If you're listening to this andyou're thinking about starting a
business, it could be a greatthing for you, especially when
you're young and there.
But I would just encourage youto build skills, like double
down on your skill sets and youreducation, because you'll tap
(11:05):
into that over and over againinto the future.
And right now, like I'm so gladthat I put in the sacrifice,
even when my kids were young,like I had two kids, I was
finishing up my MBA, I wasrunning my business, I wrote a
book and I was like, oh yeah, Ishould run a marathon in the
meantime.
So I'm like crazy, that's whyI'm bald, cause I lost my hair,
cause I'm just so stressed andI'm just kidding.
(11:25):
But, being dead serious, thisis where you should be investing
so much of your time, energyand money into your education.
And I'm not talking about justtraditional education, I'm
talking about any education thatwill allow you to build better
skills.
So when I went back to school tolearn accounting and finance
and how numbers worked, I did itwith the intention of applying
(11:48):
that to business and I couldtell you I've spent a lot of
money on education but also I'vegained the skills that have
allowed me to be successful inbusiness and turning around and
growing companies.
So I made an announcement theother week about this free
program, the financial pro.
So if you go to byfiqcom, Imade all my courses free, and
(12:10):
this isn't some gimmick ormarketing ploy for you to like
go and download a course and I'mjust going to give you like my
half best stuff.
This is like my best stuff,right, you could take it for
free.
There's over a hundred videolessons and if you take all of
it, I promise you you will learnfinance in a way that you could
apply to your career, to abusiness, just to life, and it
(12:33):
will make you so much money intothe future and in the present.
So that's my invitation to you.
I just wanted to share mythoughts, what's on my heart,
because I have young kids, Imentor young kids and I know a
lot of people who tune into theplatform, maybe including you,
are younger and you're seekingadvice in life.
So I just say, like, grind itout, like make the sacrifices.
(12:56):
Sometimes you have to say no toyour friends and you may think,
well, I'm not going to havefriends.
Well, guess what?
A lot of the friends that I hadlike the quote air, quote
friends, so-called friends I hadthey're not around.
I have, like, one friend fromhigh school that I still keep in
contact with.
So, friends come and go, but theskills and the experiences and
the education that you gainright now will stick with you
(13:19):
for the rest of your life, and Ijust don't want you to have any
regrets.
So grind it out, work reallyhard and spend the time like
learning, because it will makeall the difference in the world,
and I care about you.
I care about you, I want you tobe successful and I'm glad that
you're part of this communityand I'm so glad that you tune in
to this podcast.
All right, have a great weekand be sure to check out that
(13:40):
financial pro course that I wastelling you about.
It's totally free, it's all foryou, it's all made for you, and
reach out if you need anything.
Cheers.
One day you'll be my age and you'll look back and you'll
either be so grateful for thesacrifices you made or you'll
regret the decisions you madeearly on, because it's really
hard to fix.
This podcast, boosting yourFinancial IQ, is about business,
financial literacy, strategiesfor profitability and the
principles taught at byfiq.
com.
My hope is that you'll applythe lessons learned and that we
(00:22):
can work together soon in mymastery program.
Enjoy the show and don't forgetto subscribe.
If you're between 15 and 25years old, this episode is for
you.
Think about it.
Over the next 10 years, so manylife changes are going to be
coming your way, which is reallyexciting, right?
I mean you may be graduatingfrom high school, starting
(00:43):
college or vocational training,graduating from college, getting
your first job, moving out ofyour parents' house, starting a
serious relationship, gettingmarried for some, buying a car,
renting or buying a first home,traveling and exploring the
world and maybe having somechildren, just to name a few.
I mean these are crazymilestones that will be coming
(01:07):
your way Now.
Look, the decisions you makeearly on in life will have a
radical impact on your future.
When I was 16 years old, I lefthome right.
I moved out of my mom's house.
I love my mom to death hasnothing to do with my mom.
She's just married to thistotal punk and he was like it's
either my way or the highway,steve.
(01:27):
So I chose the highway.
So I left home $0, no safetynet whatsoever, right, none.
My mom had zero money.
She's basically a single momfor most of my upbringing and
the guy that she married trustme, he was not contributing,
okay, so there's no safety netwhatsoever.
So I go and live with my sister, I move into her house, I move
into her basement she was sosweet just to let me live with
(01:49):
her.
But here's the deal there areno windows.
In fact it's the laundry roomconverted into a bedroom.
It's a little ghetto, but hey,it worked and I love my sister
and is very comfortable and Igot to live with her and her
husband and her kids, which wasa huge blessing.
Anyways, I was working at DairyQueen making $4.25 an hour that
was minimum wage at the time,which is crazy to think.
(02:10):
You know, you work like 40hours a week and you make like
160 bucks and then you pay taxesand then you walk away with
practically nothing.
And I remember my boss.
One day he came up to me.
He's like, steve, you knowyou're doing such a great job
that I'm going to give you araise.
I'm going to bump you up by 10cents an hour to 435.
And I was like, oh, thanks alot, buddy.
That's like so generous of you,thanks for giving me $4 a week.
(02:33):
So, all right, so that was mysituation.
I was like I got to do somethingdifferent here.
And that's when one of myfriends came to me and he said,
steve, I work for a sprinklercompany.
And I was like, what the heckis a sprinkler company?
He's like we dig holes in theground, we lay piping and we put
in automatic sprinklers sopeople could water their grass.
And I was like, oh, okay,that's interesting because where
(02:53):
I came from in California, wewere poor and we didn't have a
sprinkler system.
We just had a hose and a littlesprinkler attached to it.
So I decided to go work with himand I was making 10 bucks an
hour and I was able to take myshirt off which was cool for
somebody in high school and get,you know, really a sunburn,
because I don't really tan.
Believe it or not, you see menow.
I'm a bald headed guy, but Iused to have red hair and my
(03:16):
skin is very fair, right.
Oftentimes I get so pale.
People probably think I looklike a polar bear that just
escaped from Antarctica.
But nonetheless, here I was,working this job, making $10 an
hour, and I did that for acouple summers.
And then I went back my junioryear and guess what?
They were gone out of businessand I was like what the heck am
I going to do?
And I started handing outbusiness cards for my own
(03:38):
sprinkler company and I startedgetting some calls and I charged
$50 an hour and then I markedup the parts like double.
So I was making pretty goodmoney, you know, especially for
that age and especially comparedto four 25 an hour.
All right, I don't mean to boreyou with my life.
You know, everybody has theirown challenges in their lives.
Trust me, I share all thisbecause at the time I was just
(04:01):
doubling down on my business.
So all my friends, they weregoing out, they're partying,
they're sleeping in, they'redoing all these things which,
hey, no harm, no foul, no shameto you if this is what you do,
but for me I was out therebusting my butt, handing out
flyers, making myself vulnerablelike knocking on doors and
being rejected all the time andit wasn't easy.
(04:21):
But I learned tremendous skillsand I was able to grow my
business.
And little did I know that Iwas going to grow it into a
multimillion dollar company andthat was my first business.
My point is is that all thosesacrifices that I made in the
early days, I had no clue thatthey would have a major impact
(04:42):
right on my life today.
So when I was 16 years oldrunning my company, I grew into
a multimillion dollar business.
Like I told you, I had no cluehow to read financial statements
right.
I had no clue.
So I'd get the financialstatements from my accountant
and I would look at them, ensureI could understand revenue, the
top line and profit, butanything in between.
Yeah, I had no clue what theysaid.
(05:03):
Think about a balance sheet Ihad no idea what that was all
about and a statement of cashflows yeah, forget about it.
So here I was, running thismultimillion dollar company,
making tons of mistakes andleaving a lot of money on the
table just because I didn'tunderstand the story behind the
numbers and the levers to pullto impact profit.
Why do you think I'm sopassionate about boosting your
(05:23):
financial IQ.
So all those experiences, likeall those sacrifices that I made
early on, paid huge dividends.
Now, after all this right, Idropped out of college, in fact,
when I was a junior right.
It's nothing to be proud of,but that was me.
My business was exploding and Idecided to grow my business, so
that's why I left school.
Later on, I went back to schooland I finished.
(05:46):
I got my undergrad inaccounting and finance, got my
master's in accounting and thengot my MBA from the Fuqua School
of Business at Duke University.
So I went back and I finishedmy school.
I spent eight years of my lifestudying numbers, which I'm
grateful for, but I made a tonof sacrifices along the way.
So, like in my twenties here, Iwas growing this business.
Right.
Even in my mid twenties, I wasmaking a ton of sacrifices,
(06:09):
because then I was running mybusiness and then I was going
back to school.
And then in my thirties I wentback to school some more and at
this time I had a kid and I hadthis business that I was growing
and I was just killing myselfOftentimes.
I remember there were nightswhen I would leave grad school
after studying in the libraryuntil 11 o'clock and I'd be one
(06:29):
of the last students on campus.
I'd walk to my car in the darkand then I'd drive home and then
I'd go to bed for like fivehours and I'd wake up, do my
business, go to school, studyand repeat all over again, over
and over, for like two years,and these sacrifices that I made
during this timeframe allowedme to be where I am today, right
(06:50):
?
So some people will come to meand they ask for advice, right,
career advice?
Or they're like Steve, how didyou do this, like, so quickly?
I'm like I didn't do it quickly.
If you would have saw me backin the day, you know I was broke
as a joke and I was busting mybutt and it just took so much
time to get to where I am today.
So what you see about me today,steve Cochran took years to get
(07:12):
to this point, even as itrelates to accounting and
finance, like I'm, I'm sopassionate about this topic, but
, look, I've spent thousands andthousands of hours of my life
in spreadsheets.
So when I'm building afinancial model and I could like
bust it out super quick, trustme, I was nowhere close to where
I am today when I first started.
(07:33):
So I share all this because Iwant you to know that the
decisions you make right now,fortunately or unfortunately,
will have a major impact on therest of your life, right when
you go to school, how well youdo in school, what job you take,
what friends you hang aroundwith, who you choose to start a
(07:54):
serious relationship with, aromantic relationship, where you
live, where you travel, etcetera.
Like all these things are goingto play out, and one day you'll
be my age, I'm 45 years old,and you'll look back and you'll
either be so grateful for thesacrifices you made or you'll
regret the decisions you madeearly on, because it's really
(08:15):
hard to fix Now.
In my ecclesiasticalresponsibilities at church,
oftentimes I have theopportunity to work with
individuals who are struggling,you know, with their personal
lives, and sometimes thatrelates to their finances.
So years ago I was in thisvolunteer position for my church
and it was called theemployment specialist.
So I would work withindividuals who were struggling
(08:37):
to find employment andoftentimes, sadly, I was working
with older individuals and whenI looked at their experience
and their resume morespecifically, I realized that
there was a massive skills gapor an education gap which was
preventing them from earning theliving that they needed to in
order to sustain their familyand to sustain their life.
(08:57):
So it's really hard to go tella 55 year old to go back to
school or tell a 60 year old tomake better decisions back in
the day, to build differentskills Right so early on.
Like right now is the time togrind.
And in my family I'm remarriedand between the two of us, my
wife and I, have five children,and one of my stepchildren came
(09:19):
to me and he was asking for somehelp with starting a business,
and I'm like so bullish on thisfor the younger generation like
starting your own business.
Like back in the day I startedmy business, but in order to
advertise my company, I had tolike hand out flyers and print
business cards and and do a lotof one-on-one sales.
And nowadays we have theinternet, we have YouTube, we
(09:40):
have social media, we have paidads.
We have all these resourcesright in front of us.
So it's so easy to start abusiness.
And so I helped him lastweekend to set up his business.
We created articles oforganization, we set up his
employer identification number,we created a logo, a name for
his company.
We even set up a website and Iintegrated some widgets and
(10:02):
technology so people could go tohis website and schedule with
him.
And it was really fun, like Ihad a lot of fun with him and I
thought, wow, like I am so proudof you right now, like this is
so cool that you are taking thetime to build your own business,
to sacrifice, like, your ownmoney and your time to build
this, while your other friendsare out jacking around.
(10:23):
Now, don't hear me wrong,because it's fine to have fun.
I'm not saying you have to justwork, work, work, but I'm
telling you the decisions youmake right now are going to have
a major impact on your futurelife.
So I've had a lot of peoplereach out through my LinkedIn.
They'll send me privatemessages and one guy in
particular.
He is still in high school andhe was telling me about this
(10:43):
business that he started and howhe's already made several
thousand dollars, and I was likeGod, it's so cool, that's so
neat.
So keep up the good work.
If you're listening to this andyou're thinking about starting a
business, it could be a greatthing for you, especially when
you're young and there.
But I would just encourage youto build skills, like double
down on your skill sets and youreducation, because you'll tap
(11:05):
into that over and over againinto the future.
And right now, like I'm so gladthat I put in the sacrifice,
even when my kids were young,like I had two kids, I was
finishing up my MBA, I wasrunning my business, I wrote a
book and I was like, oh yeah, Ishould run a marathon in the
meantime.
So I'm like crazy, that's whyI'm bald, cause I lost my hair,
cause I'm just so stressed andI'm just kidding.
(11:25):
But, being dead serious, thisis where you should be investing
so much of your time, energyand money into your education.
And I'm not talking about justtraditional education, I'm
talking about any education thatwill allow you to build better
skills.
So when I went back to school tolearn accounting and finance
and how numbers worked, I did itwith the intention of applying
(11:48):
that to business and I couldtell you I've spent a lot of
money on education but also I'vegained the skills that have
allowed me to be successful inbusiness and turning around and
growing companies.
So I made an announcement theother week about this free
program, the financial pro.
So if you go to byfiqcom, Imade all my courses free, and
(12:10):
this isn't some gimmick ormarketing ploy for you to like
go and download a course and I'mjust going to give you like my
half best stuff.
This is like my best stuff,right, you could take it for
free.
There's over a hundred videolessons and if you take all of
it, I promise you you will learnfinance in a way that you could
apply to your career, to abusiness, just to life, and it
(12:33):
will make you so much money intothe future and in the present.
So that's my invitation to you.
I just wanted to share mythoughts, what's on my heart,
because I have young kids, Imentor young kids and I know a
lot of people who tune into theplatform, maybe including you,
are younger and you're seekingadvice in life.
So I just say, like, grind itout, like make the sacrifices.
(12:56):
Sometimes you have to say no toyour friends and you may think,
well, I'm not going to havefriends.
Well, guess what?
A lot of the friends that I hadlike the quote air, quote
friends, so-called friends I hadthey're not around.
I have, like, one friend fromhigh school that I still keep in
contact with.
So, friends come and go, but theskills and the experiences and
the education that you gainright now will stick with you
(13:19):
for the rest of your life, and Ijust don't want you to have any
regrets.
So grind it out, work reallyhard and spend the time like
learning, because it will makeall the difference in the world,
and I care about you.
I care about you, I want you tobe successful and I'm glad that
you're part of this communityand I'm so glad that you tune in
to this podcast.
All right, have a great weekand be sure to check out that
(13:40):
financial pro course that I wastelling you about.
It's totally free, it's all foryou, it's all made for you, and
reach out if you need anything.
Cheers.
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