October 24, 2025 • 43 mins
Some careers promise freedom. This one delivers it through simple systems, steady demand, and a mindset that refuses excuses. Jeremy sits down with David Price—the man behind The Price Group—to unpack how final expense life insurance became a surprisingly resilient path for first-time agents to earn more, work from home, and actually own their book of business.
We dig into why final expense is different: 10,000 Americans turn 65 every day, interest rates don’t swing the need, and a 45-minute phone call can protect a family with a one-call close. David explains how he trains agents without sales backgrounds using a quoter, five starter carriers, and a lead engine generating thousands of inquiries each month. It’s not about hype. It’s about matching people to coverage, documenting well, and caring enough to follow through.
Beneath the business is a story of recovery and responsibility. David opens up about addiction, hitting bottom, and the 12-step principles that rebuilt his life and now guide his leadership: be coachable, model what works, give more than you take, and measure progress over months and years—not days. That clarity fuels a culture where wins compound: 1,300 policies placed last month, $1.3M in production, and $10M in the first 350 days of a new company.
We also talk lifestyle design: choosing a career that funds your values rather than consuming them, finding quiet in Puerto Rico, planning team trips, and treating work like a game you level up. If you’re craving a proven playbook—remote selling, final expense specialization, carrier partnerships, and real mentorship—this conversation maps the path from hourly ceilings to ownership.
If this resonated, follow the show, share it with someone who needs a reset, and leave a quick review—what’s one change you’ll make this week toward freedom? Call (239) 919-4364 or visit https://tpglife.com/ for more information.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
SPEAKER_01 (00:00):
This is the Good Neighbor Podcast, the place
where local businesses andneighbors come together.
Here's your host, Jeremy Wolf.
Well, hello, hello, friends,family, wonderful community.
We are back with anotherepisode, another installment of
(00:20):
the Good Neighbor Podcast.
Your host, Jeremy Wolf.
As always, welcoming you to theshow.
Today I would like to welcomethe man who put Price in the
Price Group.
I'm here with David Price.
David, how are you today?
SPEAKER_00 (00:36):
I'm great, man.
How are you doing?
SPEAKER_01 (00:37):
David, I I am living the dream, as always.
And if I wasn't, I would justsay I am, because you know, I'm
a positive, happy spirit.
Okay, so David, tell let's startoff with basics.
Tell me a little bit about theprice group.
What do you guys do?
SPEAKER_00 (00:54):
Uh yeah, we're an independent marketing
organization.
Uh, and for most people thatdon't know what that means, um,
I'm basically the person betweenthe insurance agent and the
insurance carrier.
Uh, so in short, what does thatmean?
We help people that areinterested in selling insurance
uh to be from home, uh, and weget them in the training they
(01:14):
need.
We plug them into lead systems,uh, we get them contract with
the insurance carriers likeTrans America, American General,
Mutual Omaha, uh, and teach themhow to sell insurance.
Teach them how to sell insurancefrom home so they can work for
themselves, uh, create a greatincome and have freedom.
SPEAKER_01 (01:29):
Right on, man.
So insurance is a rather broadcategory.
What are you primarily focusingon?
What's your niche within theinsurance business?
SPEAKER_00 (01:38):
Yeah, so we do life insurance, uh, but particularly
we we do all types of lifeinsurance, but our real niche is
final expense.
And the reason I like finalexpense is uh over 10,000 people
turn 65 every single day.
So it's a a growing market.
It's been growing since I got init since 2018, and it's gonna be
growing probably uh right upuntil I retire or a little bit
(02:02):
after I retire.
So it's a great market.
Interest rates don't affect it.
Um, you know, I know likemortgage protection is another
uh niche that people focus on,but when there's less mortgages,
there's less people looking toprotect mortgages.
Uh COVID didn't affect us.
Uh, you know, we were able tojust go from working out in the
field to doing it on the phone.
(02:22):
So so I just think it's abulletproof industry.
Uh, it's a short 45-minute phonecall, one call close, and it's
really, really easy to teach.
You know, most of our top agentswere just housewives, servers.
None of them had very few peopleactually had sales experience.
Uh, so so that's why I like it.
It's just real simple.
I mean, really, it's it's likeum when you go to a new a
(02:44):
doctor's office and you have todo that new intake form, it's
it's almost the same thing aswhat an insurance application
would look like.
So you're just really helpingthe client go through that and
just finding them the best rate,um, using a quarter tool that we
have.
Um, so it's just simple, simple,easy, and uh gives you lots of
freedom, which is really the thegoal.
You know, I'm not so worriedabout the widget, right?
(03:06):
Is it's you know what gives methe the freedom that that I
really wanted to have and helpsme show the people the same.
SPEAKER_01 (03:12):
Yeah, we like it nice and simple and easy.
And I I think it it's also it'snice that you're bringing in a
lot of people that don't reallyhave formal sales training, if
you will, because a lot of timespeople get caught with some some
bad teachings and bad habits andcome in with a with a clean
slate, it's kind of easier tomold them and help them more
effectively.
(03:33):
Sometimes, not always.
SPEAKER_00 (03:35):
Yeah.
SPEAKER_01 (03:36):
Oh, go ahead, man.
SPEAKER_00 (03:37):
No, I'm sorry.
Yeah, you know, I I enjoy that.
And there's there's anotherreason I enjoy it.
It's like when you take somebodywho's you know used to making
$15,$20 an hour or less, and youshow them, you know, where they
can make a thousand bucks in aday from selling one policy, and
they like really click and getconsistent with that.
Um, and they go from making$30,$40,000 a year to you know over
(03:58):
a hundred thousand dollars ayear, and like everything
changes in their life.
Like their children go to betterschools, you know, they they get
more help at home, you know, thethe car, like like all those
things, you know, donate more tothe church.
And to me, that that's what'ssuper rewarding.
If you take someone who'salready making a bunch of money
and you show them how to makemoney easier, like to me, like,
okay, that's cool.
(04:18):
You like, but I I really likehelping people that um just
didn't know it was possible,like removing that limiting
belief that, like, okay, this isit, I'm gonna be a server for
the rest of my life and I make40 grand a year and and I gotta
work every weekend and everynight and I gotta miss all the
dance recitals and all thatbecause that's just that's just
you know what what I was borninto.
Like, you know, I like to fixthat.
SPEAKER_01 (04:37):
I love that, brother.
Like, like helping people withthese limiting beliefs, right?
I I truly believe that everyhuman being, for the most part,
has within them the potentialfor greatness, and so many of us
live our lives without tappinginto that potential for whatever
reason, right?
Fear, just obstacles, you know,blaming things on externalities,
(04:58):
and and really just not takingownership.
And it's great that you'reworking with people that empower
them to be a better version ofthemselves.
And I really like how you'reniched down.
There's so many insurance agentsout there that really try to be
a one-stop shop and they try tooffer everything, which is nice,
but the fact that you're reallyhoned in specifically on life
and then final expense, youknow, that that gives you the
(05:18):
ability to again work withothers and help them grow uh in
a better way, I'd say.
SPEAKER_00 (05:25):
Yeah, it's funny you say that.
I uh I had someone reach out tome today saying, you know,
they're looking to add differentproducts.
I was like, what happened withthe final expense?
Did you run out of clients tohelp?
And like, yeah, I think so.
I was like, man, that's crazytalk.
I was like, 10,000 people turn65 every day.
I don't think you're looking theright places, man.
You know, uh yeah, I was just ata Tony Robbins uh conference.
(05:46):
I went to uh Unleash the PowerWithin, and he's like, if things
aren't working for you andthey're working for the other
guy, they're just doingsomething different than you.
Stop stop looking for anythingelse than that.
SPEAKER_01 (05:56):
Yep.
100%, man.
So let's look, let's lookthrough your your professional
journey here.
Um, how did you?
I mean, I'm most people I'dimagine aren't when they're
grown up and they're kids,they're not thinking like, hey,
I'm gonna get into insurance.
Like maybe maybe you'redifferent, maybe you're the one
that when the kids were outplaying Cowboys and Indians, you
(06:18):
were looking for ways tounderwrite policies to protect
them in case of some liability.
Uh, talk a little bit about yourprofessional journey, how you
got into insurance, and then howyou grew the agency to a model
where you can empower and helpothers.
SPEAKER_00 (06:30):
Yeah, and and no, I wasn't the the guy, you know, I
didn't have like a pencil, a penprotector in my in my top breast
pocket, you know, in in schoolpretending to be an insurance
agent.
Uh, but you know, saying thatand like listening to you say
it, and probably everyone that'shere that is an insurance.
I think the the first thing islike everyone thinks insurance
is like this old guy walkingdoor to door with a briefcase
(06:52):
and a bunch of papers, uh, youknow, all dressed up, you know,
and you know, insurance isn'tlike that.
You know, um, it's funny.
We have like a virtual callcenter, uh, we have dance
parties on Zoom, you know, we wehave meetings, we have, you
know, we're literally justcalling people or receiving
calls of people looking forinsurance and and we're helping
them, right?
So it's like, you know, do youlike working on the phone?
(07:14):
You're do you like helpingpeople?
You're already doing 80% of whatwe do.
Um, and then as far as theunderwriting, you know, the
insurance carrier has theirunderwriters, right?
So we just uh we just fill outthe application, you know, we're
just filling out theapplication, you know, name,
date of birth, right?
You know, what medicationsthey're on, any kind of health
issues and stuff, you know,really simple stuff.
Um, but I knew insurance was agood business to be in.
(07:36):
Uh, I remember I didn't grow upwith a lot of means, and I
remember one of my friends inthe neighborhood who everyone in
the neighborhood had more thanus, really.
But um, you know, I remembertheir their father was an
insurance agent, and I rememberone of my mom's friends did
something with insurance, andthey both said like the same
thing.
They said, you know, insuranceis really cool, you know, you
can do it for a while and thenlive pretty good on the passive
(07:56):
income and just play golf a lot,the the one the one person said,
or you could really work,continue to work, and make a
real, real lot of money.
And I remember hearing that whenI was a teenager, and that like
stuck in my head.
I'm like, man, that that soundslike a good career path.
You know, meanwhile, my mom wasa server, and you know, we were
on welfare and child's um foodstamps and all that stuff.
(08:18):
Um, child support, she didn'treceive child support, she sort
of, but uh so I was like, man,that sounds really cool.
But but for me, I same thing,right?
I thought like insurance wasthis complicated thing.
You had to do underwriting.
I thought you needed a four-yeardegree and you needed all these
things, and I never had any ofthat.
And then I figured, you know,once you have the degree, you
got to know somebody because youknow, when you apply for jobs,
no one ever contacts you, like alot of limiting beliefs uh going
(08:40):
through.
And you know, I was in mymid-30s, and I just came to this
realization, I was like, man, II haven't really done anything
in my life that was gonna helpme be on the path to live the
life I wanted to that I dreamedof when I was a teenager, right?
When I was a teenager, like Iwanted to live this life of
freedom.
I wanted to travel, drive exoticcars, like live in nice houses,
(09:03):
like like eat at nicerestaurants.
Like I wanted to live, you know,really, really well.
And you know, I did some thingswhere made some money, but it
didn't have the freedom ordidn't or just didn't you know
have the kind of money that thatI was really, you know.
I think when we were teenager,we're super optimistic about
life.
Um, so in my mid-30s, I waslike, dude, if I'm gonna do it,
(09:23):
like this is it.
This is my chance right now tofigure that out.
And so I started looking for adifferent business opportunity,
basically, that let me do what Iwant, where I want, with who I
want.
Those are the three things thatthis thing had to do.
And if it was gonna have mestuck in a geographic location
that was out, right?
It had to give me total, totalfreedom.
And you know, understanding I'mstarting from the beginning,
(09:45):
it's not gonna give me thatfreedom in the beginning, but
like the path will lead tofreedom.
Where everything else I did, thepath didn't actually lead to
freedom.
It might have been a good job,or maybe get a bonus, or like
but pay raises, but it didn'tlead to to freedom.
And I started talking toeveryone I knew that had success
in their life or more successthan me, and everyone that you
know had businesses and stufflike that.
(10:06):
And somebody like led me towardsinsurance.
He didn't even sell insurance.
He's like, Man, you know, uh,one of the guys went to high
school with they they actuallydid really they're doing really,
really well with insurance.
You should talk to them.
And when I talked to them, Ifound all you needed was like a
20-hour course.
Um, get your license, like a dayof training, and you could sell
insurance and do it fromanywhere in the world, really,
(10:26):
once you have your license andas little as much as you want,
and they have renewals andpassive income and every other
thing I was looking for.
I was like, man, this again,insurance wasn't the the widget
that I was excited about, butthe freedom that you could have
because of it, I was extremelyexcited about.
So I decided to go all in onselling insurance in 2018.
SPEAKER_01 (10:48):
Good stuff.
Yeah, I've talked, I do apodcast with a client of mine,
he's a business broker, and wetalked about when people are
looking to start businesses,there's different factors to
consider.
Sometimes people go intobusiness doing something that
they they love to do, but thenthrough the business, they burn
out and they grow to not love itbecause there's so many
different assets, so manydifferent factors that go into
business rather than just thething that you're the thing that
(11:10):
you love.
So you know, lifestyle is a is ahuge one, right?
Like what are you trying to getout of it?
Uh, and a lot of times you couldstart doing something that might
not be so attractive, likeinsurance, but it affords you
the things that you want, andyou're able to kind of realize
that through it and and learn tolove the actual thing that
you're doing.
So I think that's great.
And I think you dropped anotherpiece of wonderful wisdom for
(11:30):
folks out there about uhsurrounding yourself with people
that are in a place that youaspire to be at and trying to
associate with them and thenbasically model your habits
after them, and then you'll getto where you want to go quicker.
That's good stuff, man.
SPEAKER_00 (11:43):
Absolutely, man.
So the funny thing is, you know,at that time I'm still into
working out, but at that time Iwas really, really into working
out and being in shape.
And uh the buddy who sent me tosomeone selling insurance, he
actually just started a gym.
First, he started uh really justtraining people in his apartment
complex gym, and then he he likequickly moved into a 5,000
square foot facility.
So I'm like, man, this guy'shaving a ton of success.
(12:05):
He's got a system he'sfollowing, um, he's got a
marketing system.
So I was like, Will you coachme?
Like, if I buy a gym, will youcoach me?
So I was between like insurance,not Alex Ramosi, is it?
It wasn't it wasn't Alex Ramosi,but he was using his gym lawn
system, right?
And uh I was like, I was like,man, I was like, as so I was
asking if he would coach me onthe gym, and and this was 2018,
(12:25):
right?
And then COVID happened in 2020,and I'm like, I just look at
that now and I'm like, how wouldan insurance agency in a gym
like even even compete, right?
Like, you know, how many gymowners do you not know that are
like rich, right?
Not not very many.
Um, how many insurance people doyou know that are rich, right?
It's it's you know, insurancehas created probably more
(12:46):
millionaires than than anyone.
Um, maybe maybe real estate.
I think insurance has realestate beat.
Um, so it's like they don't evencompare, and then COVID
happened.
I would have been, I would, Iprobably would have been out of
business.
And then just like you said,like my passion would have been
like my nightmare, right?
My passion would have turnedinto my nightmare.
And and I I tell people thatbecause I get people tell me the
(13:06):
same thing all the time.
Like, well, I like working out.
I was like, good, keep workingout, but find a job that'll give
you freedom that'll let you workout as much as you want without
having to worry about bills,versus like going to start a
gym.
SPEAKER_01 (13:18):
It's definitely a balancing act with everything
that we do.
SPEAKER_00 (13:22):
Yes, I'm still working on that one.
SPEAKER_01 (13:26):
Yeah, yeah, yeah.
So through the years, we allexperience challenging moments.
Looking back through yourjourney, is there something that
comes to mind?
Um a particular challenge thathelped shape you to where you're
at today in terms of thebusiness as a business owner.
SPEAKER_00 (13:47):
Yeah, so uh, you know, I was born to two
18-year-old, drug addicted,married parents, you know, that
that were um struggling withwith all kinds of things.
I lived in uh probably over 20places by the time I was in high
school, um, in homeless shelter.
I mean, you name it.
I went through through a bunchof stuff, uh, and then I ended
(14:10):
up having a drug addiction ofmyself that I battled with for
about 20 years of my life.
So, you know, how does thatshape me with my business?
And you know, the reason you'reable to use drugs for 20 years
is because your ego uh makes youbelieve that you have everything
under control.
And in my head, I had everythingunder control, and everyone
around me thought I hadeverything under control too.
(14:31):
I just I just like to use drugsinstead of coming home and
having a beer.
I like to come home and get highfrom work.
And you know, just like ithappens to everyone, eventually
the the drugs win.
Uh, and I found myself, youknow, in a really, really bad
place.
And I was like, man, I need tomake a change.
And I and I thought the changewas uh stopping the particular
(14:54):
substance that I was using, youknow, where I could still drink
and do other things.
Um, but something led me to a12-step meeting in uh 2013.
And I'm in this meeting and inmy head, I'm in here as a
supporter because I actually wasbringing someone else there
because I thought they neededhelp.
And I sat in that meeting, Ijust started crying.
I didn't know why.
(15:14):
I just started crying and Idecided to start following the
suggestions that they had, andthat's where I learned to be
like coachable, ask for help,you know, model what works, like
all these basic principles,right?
Help me with drugs.
And then once I was like, man,that this stuff did really good,
you know.
I had my last drink or drug in2013, so I've been clean since
(15:35):
um I went to that first meeting,which I took a taxi to.
I uh I was living on mygrandma's pullout couch, took a
taxi because I didn't own a carand had two bags of clothes to
my name and and plenty of uh adebt and uh negative net worth.
Uh so just to think that was youknow 12 years ago.
And um, you know, just a lot ofthose basic principles and
(15:57):
everything I went through, andyou know, my thought was, man,
it sucks that I was like born tolike broke parents and didn't
have like any head starts inlife, and no one I could go for
for money or help ever.
Um, and and I always thoughtthat like that that happened to
me, and and now I know like allthat stuff I went through
prepared me for what I'm going,what I'm doing right now.
And you know, now now I'm youknow, my life's completely
(16:21):
different.
I don't owe anyone any money.
Um, you know, building a housecash right now in Florida, own
another house outright.
I have a small mortgage, Iguess, on a different house
because the interest rates like2.75.
Um, you know, so so just 12years later, just following some
simple principles, man, andtaking one step in front of the
other and just trying to beatmyself and be better every
(16:42):
single, every single day hasjust um really, really uh have
compound effects over time.
You know, you don't you don'tnotice it.
Like I was talking to one of myagents uh just yesterday, and
they're like they get so caughtup with like their production
this week versus last week.
I'm like, stop with this week toweek BS, you know, like look at
where you were last year at thistime, like you're you're you're
(17:03):
crushing it, you're killing it.
But people, um, even my scale,it says uh my what does it say
well-being over numbers orsomething like that when I walk
off step off the scale, right?
It's like don't work, don'tworry about that daily number on
that scale, you know, where wasit last month, you know?
And then if you're not havingthe results that you want, like
why?
You know, a lot of times whenpeople aren't happy about the
results that they're having,they're not doing the things
(17:26):
they know they should be doing.
It's it's not it's not hard, youknow.
And then I would say if we justteach people how to do the
things that they say they'regonna do, uh, people would be
having a lot more success.
SPEAKER_01 (17:37):
Absolutely.
Thanks for sharing that story.
That resonates with me a lot.
I've had my own strugglesthrough the years with drugs and
uh it's a heavy toll, but I Ialso have gotten to a point, um,
and I found that the older Iget, the more I realize that
where we're at is defined manyin many ways by how we frame
things.
(17:58):
So, like when I'm encountering adifficult situation right now
and I'm lost in thought, I tryto bring myself back to center
and remind myself that I'm rightwhere I'm supposed to be.
Right?
I'm here because of everythingthat's happened to me and all
these challenging experiencesthat I've had, and all these
things that have gone on in mylife have brought me right to
where I am, and the older I get,the more grateful I am to be in
(18:21):
this spot.
And and people are so oftentrying to escape all of the
suffering and all of thehardship and all these things.
And that's part of the journey.
There's no escaping it.
It's it and it again, it's abouta it's a framing issue, right?
It's like, do I want to sufferinvoluntarily or do I want to
suffer intentionally?
(18:42):
There's a big difference there,and so many people get caught up
and and get lost in thought andfind themselves ruminating, and
that's where depression comesin.
And and the the more work I putin, the more I go on my personal
and spiritual journey throughlife, uh the more I I come to
just come back to gratitude andjust be being good with where
(19:05):
I'm at.
Uh and that mindset helps mepush forward.
It really does.
SPEAKER_00 (19:16):
Yeah, yeah, absolutely.
I I I thought I thought you weregoing for another question.
I was I was getting ready foryou, but uh yeah, yeah, I mean
it's um it's unbelievable whatyou know once you could really
control the mind and andunderstand yourself and look
internal for solutions, youknow, how much things change.
(19:37):
And you know, I I I think aboutlike yeah, it's so easy to look
at back, right?
Um, you know, like I said, mylife's completely different.
I honestly feel like I got tolive multiple lives.
And you know, it's it's so easyto like look back afterwards and
be like, cool, why am I in thespot that I'm at now?
Like, why am I having successes?
You know, why did I have asecond chance at life?
(19:59):
Like, what am I doing right?
You know, and I just look at youknow, just basic things, you
know.
I try to give more than Ireceive now, where back then I
was trying to take more than Igave, right?
And I thought that was whatyou're supposed to do, like get
the leverage on everything.
Um, you know, I try to when whenthings aren't going right, I
look internal versus you know,man, this sucks, my boss sucks,
(20:21):
my job sucks, this car sucks.
You know what I mean?
Like it's like, all right, well,what's what's going on, you
know?
So, you know, any anything in mylife that is not not what I want
it to be, it's it's my fault,right?
It's 100% my fault.
I I need to come up with asolution.
And and that's good news whenyou realize it's your fault
because with somebody else'sfault, you don't have no
control.
You can't control it.
SPEAKER_01 (20:42):
Yeah, the victimhood mentality, right?
Placing blame on external youcan't control the externalities.
The only thing you can control,I tell this to my kids all the
time, the only thing you controlis yourself and your reaction to
these things.
And when you learn how to masterthat, then all of a sudden you
start attracting positivethings.
It's a simple equation, easiersaid than done, but it's it's
it's not that hard, like yousaid.
It's really not.
It's just about buildingconsistent habits daily and and
(21:05):
just reprogramming your mind forsuccess.
SPEAKER_00 (21:08):
Absolutely.
SPEAKER_01 (21:11):
Good stuff, man.
Um, I want to take this backthough.
I want to go, I feel like Iglossed over a big component of
the podcast when we were talkingabout the business.
You were talking about how youyou your mission now is
empowering agents, um, but youalso have your own insurance,
you also help consumers outthere, right?
SPEAKER_00 (21:28):
Yeah, yeah.
We help um I think we helpedlike 1,300 uh policies last
month.
So 1300 um consumers gotinsurance last month because of
us.
Uh so yeah, I mean we're we'rehelping at scale.
You know, I manage uh a bunch ofvirtual insurance agencies
throughout the country.
So typically, you know, someonedecides they want to sell
(21:51):
insurance.
I teach them how to sellinsurance, how to help
consumers, you know, with theirinsurance.
Uh plug them into a leadprogram.
So, you know, we have about7,000 inquiries of people
looking for insurance a monthright now, and that number's
going up.
So it's just a matter ofplugging people into that.
So that way they're they'reeither you know calling the
people back or they're taking aninbound call, uh, helping them
(22:13):
with their insurance needs.
So um last month was a record$1.3 million in production.
We did uh and this month we'reon pace to break that.
So uh we we did I started a newcompany in November, no, October
4th, and uh we did a$10 millionin production in our first 350
days.
Uh so super, super excited aboutthat.
(22:35):
But uh, you know, it's it's thepeople we got a lot of really
good people that just help likehelping people, and and it's
winning combination when you'reuh trying to sell something is
have people that actually careabout the people they're trying
to sell it to.
SPEAKER_01 (22:47):
Absolutely.
Now, where I know withinsurance, you you get licensed
in your resident state, and thenyou get a reciprocal
non-resident license for uhstates that you want to operate
in.
Which states do you operate in?
You're not in all of them,you're all of them.
SPEAKER_00 (23:00):
Yeah, all of them.
SPEAKER_01 (23:01):
And then you, I'd imagine you have uh tons of
relationships with carriers withinsurance companies, and then
when you take an agent on towork with you, you you then can
plug them in and find the bestcarriers for them to market
their products.
SPEAKER_00 (23:14):
Yeah, that's it.
Yeah, so you know, the theinsurance carriers they they
want to work with us because uhour field force or or or or
agent force, not field, we we doit on the phone from home.
Uh and then yeah, so we justbasically get them contract with
the carrier, uh, act like amiddleman, um, get them all the
training they need, plug, plugthem into whatever whatever that
(23:35):
tools that they need, and thengive them a mentor to teach them
all the underwriting andeverything uh with that.
And we start with um about fivecarriers at first because that
that's it gives you a good mixto cover most of the health
conditions without you having tolearn too much.
Uh and then from there, youknow, we just constantly keep on
giving you new tools.
Uh, we're about to launch aannuity division and a Medicare
(23:57):
division for 2026.
Uh, so we're just gonna keepgrowing as a business and keep
finding uh more ways to help theconsumers and help uh agents be
more profitable and have morefreedom.
SPEAKER_01 (24:09):
Yeah, I mean, I really I really like the model,
right?
As somebody you know coming outinto the insurance field, you
just got your license as analternative to going to work for
somebody at their agency tolearn the ropes or going out on
your own and trying to figure itout on your own.
You can come over to the pricegroup and you guys, again, you
hold their hand, walk themthrough the process, and really
get them set up and on the rightdirection to build their own
(24:29):
agency.
Love it, man.
SPEAKER_00 (24:31):
Yeah, I think the the biggest thing with that is
uh everyone owns their own bookof business.
So they're all independent, theyown their own book of business.
Um, you know, they own therenewals, they they own
everything.
So they're they're reallybusiness owners, where if you go
to you know another anothercompany and they're paying you
like hourly or something likethat, like you're just you're
just an employer.
You got your insurance licenseto be an employee again.
(24:53):
You own nothing.
Uh the minute they fire you,you're back at ground zero.
So that that's the goal is youknow, empower people to to grow
their own business.
SPEAKER_01 (25:02):
Now, do you typically, in terms of how you
guys get compensated for helpingagents, are you getting like a
very small residual on policies,or do they pay you independently
of that?
Or how does that typically workfor you guys?
SPEAKER_00 (25:12):
Yeah, so the the carrier pays the agents
directly.
So the carriers are paying themdirectly, and then they're
paying us uh an override for formanaging and taking on the risk
because insurance is uh themoney's advanced money, so it's
typically loans that are givenout.
So that's really the main pointof the IMO is uh we we take the
risk.
So the the insurance carrier isnot willing to take the risk on
(25:32):
somebody without uh a trackrecord.
SPEAKER_01 (25:35):
All right.
Make makes sense.
Okay, shift shifting gears.
I feel like we we covered that.
Uh I missed that going in.
So I want to pull this over touh family, right?
So family is everything.
I got a 10-year-old and a13-year-old daughter, a
10-year-old son and a13-year-old daughter.
(25:55):
And I must say, going back tothis whole mindset discussion
and uh uh dealing with your youknow life challenges, I I am not
happy with the way I left offthis morning when I got him off
to school.
I I I did not show up well thismorning, but it it reminded me,
right?
For a little while, I I thoughtI was you know, I was a little
down on myself.
I was a little upset with how Ihandled the situation, but the
(26:15):
more I reflected on it, again, Icame back to gratitude.
Like I'm here now and it's alesson, right?
I can't wait until they get homeand I could sit down and have a
conversation with them.
Um, it's just so important tofor me to be a positive role
model for my kids.
And sometimes I'm not that, andyou know, I'm human.
What about your family?
Do you have kids of your own, ortell us a little bit about your
(26:37):
family?
SPEAKER_00 (26:38):
Yeah, um, yeah, I'm in Puerto Rico basically by by
myself.
Uh, I have a 23-year-old son,he's out in Minnesota.
Uh, my mom's in Arizona.
Uh, my father, my father passedaway.
Uh, so I um yeah, I mean, thejourney's definitely give me a
lot more freedom to to travel.
Uh, try to be flying to Arizonafor for years now to you know
(27:02):
spend Chris.
My mom's uh birthday isChristmas Eve.
So I spend uh Christmas Eve andChristmas with my mom.
And uh last year, you know, tookher and her husband uh on a trip
uh for the week of Christmas.
So definitely try to uh be moreactive in that.
You know, I wasn't you know, wasa big family person, not that I
(27:23):
wasn't a big family person, orwe we weren't a big family
family uh you know growing up.
Like I said, we we dealt with uhsome broken childhood stuff uh
and some traumas, but you know,as you know, start working on
myself and you know, as the umI'm gonna back up for a second.
So like when the when you don'tgrow up with money, and like
(27:45):
money is always an issue, it'slike a lot of your decisions, a
lot of things you do is basedoff that, right?
Because you need money to eatand survive and pay rent and
bills and insurance and allthose things, right?
Exactly.
Uh so it's cool.
So like once once that's fixedand like that's not a thing
anymore, then it's like, allright, you know, what do I work
on now?
What are the things that that Iwant to fix?
So one is uh my health, right?
(28:07):
I definitely spend a lot of timeand do a lot of things, you
know, for for my health, uh, andthen then my family, right?
So trying to, you know, do abetter job of of being a better
son, a better father, um, andtry to spend time with people
that the the best I can livingin Puerto Rico.
SPEAKER_01 (28:25):
Puerto Rico.
We're just talking about itbefore the show.
I got a good friend of mine thatjust just went down, his fiancé
is from Puerto Rico.
The grandmother still lives downthere, and they bought a
seven-acre piece of land, Ithink it's seven acres,
somewhere in the jungle.
Uh, they're gonna build aretreat center, really kind of
unplug from the society thatwe're all the the grind, if you
(28:46):
will, right?
Like the older I get, man, themore I just want to disconnect.
I mean, we're so stuck with withelectronics and and I it it's
just I just want peace and quietthe older I get.
I don't want to go, I don't wantto be away from everybody, but I
just I just want peace andquiet.
That's all.
(29:06):
Simple man.
SPEAKER_00 (29:09):
Absolutely.
I I'm uh I'm on Zillow all thetime looking for like a mountain
home somewhere in uh in thesmokies or uh like a second home
somewhere out in the in thecountry for sure.
SPEAKER_01 (29:20):
Yeah, yeah.
He's gonna he said he's gonnaput uh one of those container
homes on the property.
I said, you know what, I'm gonnaI'm gonna get one too if you
give me a spot over there andI'll I'll come down there.
Not full-time, just part-time.
Come down and visit and hangout.
It's gonna be uh it's gonna befun, man.
SPEAKER_00 (29:35):
Wonder what he paid for seven acres.
SPEAKER_01 (29:39):
I'm not sure I'm not sure the price tag exactly.
I know it was like a hundredsomething, it's low hundred
something, I want to say, butI'm not I'm not a hundred
percent sure.
SPEAKER_00 (29:50):
So I don't it can't be that.
SPEAKER_01 (29:51):
Yeah, yeah.
It's uh it's it's funny goingback to again going back to this
idea of mindset and havingabundance mindset and not
focused on scarcity.
I watch My buddy Brian kind oftransform his life.
He also had some serioushardships, drug problems.
Uh, he was suicidal, he wasgoing through, he had some
autoimmune disorders, and he gotinto this whole holistic
healing, plant medicine,shamanism.
(30:13):
And I've been watching himtransform his life.
And then he started talkingabout moving from Orlando
recently.
And I listened to how he framedthis.
And there was part of my mind,this negative thought process
that I still have in my mindwhen he's telling me, I'm like,
well, what if it doesn't work?
I'm like questioning him, right?
I'm like, I want to walk out formy buddy.
(30:34):
And I'm and he none of that wascoming through.
He was just materializing ormanifesting, if you will, in his
mind.
He's like, this is happening.
Like this is my this is what Iwant to do.
This is my plan.
This is what makes me happy.
This is how I can help the mostpeople.
Like this is happening.
And I watched as the pieces fellinto place and he went down
there and he got the land.
I was like, fucking hey, thisstuff works, man.
But if you just frame thingsdifferently, you know, you
(30:58):
attract what you want in yourlife.
So I'm so so proud of him, soexcited for him.
And that's kind of my journey iskind of shifting in that
direction too, to try to helpother people.
And I want to get involved withthese retreats.
Um I just I found so muchusefulness in this journey I've
been on.
And I feel like I was watchinghim from the sideline and like
doing the own, doing personalwork on myself, but I wasn't
(31:22):
really helping other peoplearound me.
And I said, I need to now takewhat I've learned and take
what's worked for me and try toshare that with others and grow
a community of my own.
Um I recently started a men'sgroup locally here, and that's
really the path that uh I'mfocused on right now.
It's good stuff, man.
I like it.
It's awesome.
Uh so where are we?
(31:43):
Where are we?
Um You mentioned you like towork out.
Is that really what keeps yougrounded outside of work, or
what do you like to do to kindof uh keep yourself grounded for
fun?
SPEAKER_00 (31:54):
Yeah, you know, the the work starts becoming fun.
Um I I I think about um likevideo games when I was young, I
used to play video games a lot,and it's like so addicted to it.
You just like you want to likeunlock that next level, like
what happens when I get here orthere, or you know, if I'm power
level 44, what happens, right?
Uh and and that's how I feel,right?
(32:15):
You know, it's just you know,we've been having records and
growing um exponentially, youknow, from from day one, and you
know, just having a lot of funwith it.
Uh, you know, we go on trips.
I think uh got a meeting eithertoday or tomorrow, plan it
planning a ski trip uh for someof my top agents.
That's what the meeting's about.
We're uh we're gonna figure thatout.
(32:35):
Uh, one of the insurancecarriers uh that we do a lot of
business with wants to you knowspoil me and and some of our top
agents.
Uh so we're we're having ameeting with that.
Uh hopefully somewhere in thewest is where I want it to be.
Um yeah, some some somewhereover there.
I I think the the one executiveat the carrier, I think he lives
(32:56):
out that way.
Um, so just always um you know,always trying to have fun with
it, right?
You know, make it make itsomething that that is
enjoyable.
Um, but if I'm not I'm doingsomething that's not
work-related, I like going tothe gym, I like mountain biking.
Um, I like anything, you know.
I've been jeeping here in PuertoRico, which was really cool.
You know, rented uh a Jeep witha guide, which that was cool.
(33:18):
Yeah, man, it was it was supercool because it was like um, you
know, it was a paid trip, but itwas like yes, crossing a stream
and like just doing a cult bunchof stuff that you thought you
wouldn't do, you know, uh in inone of those little paid Jeep
trips.
So a lot a lot of a lot ofadventure, a lot of fun here.
I had um yeah, it's just nice tobe outside sometimes.
I was out, I took a nice littlewalk yesterday when I was done
(33:40):
working, and you know, the airand the wind and everything was
just like perfect.
And I was just like, man, thisis the that's what uh moved out
here.
I visited um a friend of mine,and it was just it was just so
nice.
And I was just like, all right,I'm moving out here.
SPEAKER_01 (33:54):
Uh so weather, weather it's not like really hot
down there, like weather similarto South Florida, I guess.
SPEAKER_00 (34:01):
No, I mean it it definitely gets hot, but like um
you know, last night probablybecause you you get a real
strong breeze most of the time,and then you know there was no
sun, so it was it was nice, itwas beautiful.
It's probably like 70.
I mean it felt I don't know whatthe temperature was, but
probably felt like 70-ish withlike a nice strong wind and and
no sun, so it just it was likeperfect.
SPEAKER_01 (34:22):
Yeah, it's start starting to get a little cooler
down here in South Florida.
We have like a what three,four-month window where the
temperature gets comfortable andthen it goes back to being hot
again, which I've I've comeaccustomed to at this point.
I'd much rather it be hot thansuper cold all the time.
SPEAKER_00 (34:38):
Yeah, so it's funny because I I moved here from
Florida and um I was going backand forth quite a bit, and I was
like, you know what?
I I think it's cooler in PuertoRico than Florida.
Oh shit.
Um, and it and it's uh onlybecause of the wind.
Like it's just you justtypically always have a really
strong breeze.
So the temperature might feelthe same, but if you're in the
shade and you have that windhitting you, then it it just
(35:00):
it's it feels cooler.
Where like Florida, uh yeah, itdoesn't have as much breeze, but
they're they're both greatplaces to live.
I mean, I love living in Floridatoo.
I was just looking for a changeand uh thought living on an
island would sound like a goodchange to me.
SPEAKER_01 (35:16):
Yeah, because I'm not familiar with Puerto Rico at
all, other than the fact that myfriend just went down there and
bought the land.
I know nothing about it.
I think San Juan is the thecapital, right?
SPEAKER_00 (35:24):
Is that the yeah, San Juan's the capital?
That's that's where I live.
You know everything, you knoweverything.
There's a no.
SPEAKER_01 (35:31):
So yeah, and I'm I'm trying to I wonder how far away
you are from.
I definitely got to connect youwith him um when we're done
here.
It could be interesting.
SPEAKER_00 (35:39):
Yeah, I'm super curious because I I do go on
Zillow and uh and FacebookMarketplace, and I see land for
sale all the time.
And I was like, man, I wonderwonder what it would take to
build a place here.
So I like that container idea,but still, like how what's it
what's it cost to get acontainer there?
You know, I wonder.
SPEAKER_01 (35:56):
No, I think he mentioned like a two-bedroom
container home where they justplop it down on the property and
you plug it in, basically.
It was like 30 grand.
So not bad.
SPEAKER_00 (36:04):
Sounds really good.
I would feel I feel like I wouldsee a lot more container homes.
But I guess it's because I'm notwalking around in the jungle out
in the middle of the island.
SPEAKER_01 (36:09):
Maybe that's why.
Yeah, yeah.
So I went at one of the retreatsI was at um recently.
A buddy of mine did thisvisualization exercise, and
basically at the end of theexercise, asked a question of us
or kind of framed it in a waythat alluded to this question.
I want to ask it to you.
And it's if you could go backand tell your younger self one
(36:32):
thing, what would it be?
SPEAKER_00 (36:35):
Yeah, so that that's a really simple question um to
answer for me.
Uh and it would be you know, ifyou're doing something, just do
it to 100% of your ability allthe time, no matter what, right?
And like to really like explainthat, you know, I didn't take
(36:56):
school real serious.
And you know, now I'm I'm 45years old, and you know, you
start looking at time and youstart looking at um you know,
being real intentional about howyou spend it, who you spend it
with, and what you're doing.
So if I was locked up in abuilding, right, school for
eight hours a day, and youliterally like just waited for
(37:20):
the time to end until it wastime to go home, and you didn't
like do anything productive inthat time, torture, like it
makes zero sense, right?
It makes no sense at all.
So, you know, while I was there,I might as well took the time to
you know read and do the lessonsand learn as much as I can and
learn how to connect with peopleand learn how to build
relationships and and stuffinstead of just like trying to
(37:41):
avoid people and wait for theday to end and go home.
Uh, you know, so so that's justa really, really good example
because you know, I mean, I'mnot even gonna sit there and try
to do the math on how many hourswe spend in school before, you
know, by the time we're out ofhigh school, but it's
ridiculous.
Um, and majority, I mean, Iwould say, you know, over 60,
70% of that, I was probably justcoasting by and sliding by and
(38:03):
not taking it real serious.
And you know, now I'm trying tolearn as much as I can, you
know, audiobooks, reading books,taking courses, classes, you
know, mentorships, masterminds,like I'm paying all this money
uh to do all these things whenit's like, man, that like you
know, what would happen if Istarted when I was younger on
gaining information and beingreal intentional with with how I
(38:23):
spend my time and not wastingtime.
And then, you know, as I say, Ithink about too, like, you know,
in high school, when you're justlike go hang out with your
friends, you know, and then youlook at like I'm listening to uh
you know biography, I'mlistening to uh Steve Jobs
biography right now, and youknow, or like even like Warren
Buffett, and like, dude, whenthey're a teenager, when Warren
Buffett was teenagers, he's likebuying stocks, right?
You know, he's buying stocks, hebought a pinball machine and
(38:45):
like put it somewhere, and it'sjust like, man, you know, I was
hanging out, I sit on myfriend's couch watching TV, like
you know, so it's just lookingat that stuff, and and there's
nothing wrong with sitting on acouch and watching TV with your
friend, uh obviously, but likeif that's what you do a majority
of your time, you know.
I always say, listen, you can dowhatever you want with your
time, just don't do whatever youwant with your time and complain
about your life.
(39:05):
You can't do both, yeah.
Right?
You you could you could workyour butt off and try to like be
super successful, then comecomplain to me and like we could
figure out how to tweak it andmake it better, but like don't
waste all your time and thencomplain because we you already
know what the problem is.
Uh so yes, you know, that's along drawn-out answer.
And I I just wanted to really umreally hit that one because at
(39:27):
the end of the day, it's like,all right, well, I didn't do
those things for you knowmajority of my life, but like
the majority of the rest of mylife, I am gonna be very
intentional with my time, and Ifeel like it's gonna make my
next 10, 20, 30 years um a loteasier and a lot better on this
planet.
SPEAKER_01 (39:43):
Absolutely.
I am I also am 45, and a lot ofwhat you said just now resonates
with me deeply.
It's funny how we get older andand and our perspective shifts
on on time and our intention.
And and I thought what you saidabout with whatever you're
doing, give it a hundred percentall the time.
That's something that I've beenthinking about about a lot
(40:04):
lately.
Like doesn't matter what it isthat I'm doing.
I noticed so many times I waslike washing the dishes or
whatever it is, putt putting myson to sleep, just things that I
was doing.
I found like a voice in my headpulling me away from that
because it wants to go do thething that I want to do, right?
I play the guitar, I want to goplay the guitar, and I find
myself being pulled away fromthe thing.
(40:25):
And I I I I remind myself allthe time.
It's like, no, I am doing thisthing right now.
This is what I'm doing, and I Iam going to give it a hundred
percent of my effort.
I'm gonna focus on this thingright now because I'm doing it
anyway.
But why do I want to do itrushed and do a half ass job and
be miserable while I'm goingthrough the process?
Since I'm doing it anyway, Imight as well enjoy it and make
fun.
This is the Good Neighbor Podcast, the place
where local businesses andneighbors come together.
Here's your host, Jeremy Wolf.
Well, hello, hello, friends,family, wonderful community.
We are back with anotherepisode, another installment of
(00:20):
the Good Neighbor Podcast.
Your host, Jeremy Wolf.
As always, welcoming you to theshow.
Today I would like to welcomethe man who put Price in the
Price Group.
I'm here with David Price.
David, how are you today?
SPEAKER_00 (00:36):
I'm great, man.
How are you doing?
SPEAKER_01 (00:37):
David, I I am living the dream, as always.
And if I wasn't, I would justsay I am, because you know, I'm
a positive, happy spirit.
Okay, so David, tell let's startoff with basics.
Tell me a little bit about theprice group.
What do you guys do?
SPEAKER_00 (00:54):
Uh yeah, we're an independent marketing
organization.
Uh, and for most people thatdon't know what that means, um,
I'm basically the person betweenthe insurance agent and the
insurance carrier.
Uh, so in short, what does thatmean?
We help people that areinterested in selling insurance
uh to be from home, uh, and weget them in the training they
(01:14):
need.
We plug them into lead systems,uh, we get them contract with
the insurance carriers likeTrans America, American General,
Mutual Omaha, uh, and teach themhow to sell insurance.
Teach them how to sell insurancefrom home so they can work for
themselves, uh, create a greatincome and have freedom.
SPEAKER_01 (01:29):
Right on, man.
So insurance is a rather broadcategory.
What are you primarily focusingon?
What's your niche within theinsurance business?
SPEAKER_00 (01:38):
Yeah, so we do life insurance, uh, but particularly
we we do all types of lifeinsurance, but our real niche is
final expense.
And the reason I like finalexpense is uh over 10,000 people
turn 65 every single day.
So it's a a growing market.
It's been growing since I got init since 2018, and it's gonna be
growing probably uh right upuntil I retire or a little bit
(02:02):
after I retire.
So it's a great market.
Interest rates don't affect it.
Um, you know, I know likemortgage protection is another
uh niche that people focus on,but when there's less mortgages,
there's less people looking toprotect mortgages.
Uh COVID didn't affect us.
Uh, you know, we were able tojust go from working out in the
field to doing it on the phone.
(02:22):
So so I just think it's abulletproof industry.
Uh, it's a short 45-minute phonecall, one call close, and it's
really, really easy to teach.
You know, most of our top agentswere just housewives, servers.
None of them had very few peopleactually had sales experience.
Uh, so so that's why I like it.
It's just real simple.
I mean, really, it's it's likeum when you go to a new a
(02:44):
doctor's office and you have todo that new intake form, it's
it's almost the same thing aswhat an insurance application
would look like.
So you're just really helpingthe client go through that and
just finding them the best rate,um, using a quarter tool that we
have.
Um, so it's just simple, simple,easy, and uh gives you lots of
freedom, which is really the thegoal.
You know, I'm not so worriedabout the widget, right?
(03:06):
Is it's you know what gives methe the freedom that that I
really wanted to have and helpsme show the people the same.
SPEAKER_01 (03:12):
Yeah, we like it nice and simple and easy.
And I I think it it's also it'snice that you're bringing in a
lot of people that don't reallyhave formal sales training, if
you will, because a lot of timespeople get caught with some some
bad teachings and bad habits andcome in with a with a clean
slate, it's kind of easier tomold them and help them more
effectively.
(03:33):
Sometimes, not always.
SPEAKER_00 (03:35):
Yeah.
SPEAKER_01 (03:36):
Oh, go ahead, man.
SPEAKER_00 (03:37):
No, I'm sorry.
Yeah, you know, I I enjoy that.
And there's there's anotherreason I enjoy it.
It's like when you take somebodywho's you know used to making
$15,$20 an hour or less, and youshow them, you know, where they
can make a thousand bucks in aday from selling one policy, and
they like really click and getconsistent with that.
Um, and they go from making$30,$40,000 a year to you know over
(03:58):
a hundred thousand dollars ayear, and like everything
changes in their life.
Like their children go to betterschools, you know, they they get
more help at home, you know, thethe car, like like all those
things, you know, donate more tothe church.
And to me, that that's what'ssuper rewarding.
If you take someone who'salready making a bunch of money
and you show them how to makemoney easier, like to me, like,
okay, that's cool.
(04:18):
You like, but I I really likehelping people that um just
didn't know it was possible,like removing that limiting
belief that, like, okay, this isit, I'm gonna be a server for
the rest of my life and I make40 grand a year and and I gotta
work every weekend and everynight and I gotta miss all the
dance recitals and all thatbecause that's just that's just
you know what what I was borninto.
Like, you know, I like to fixthat.
SPEAKER_01 (04:37):
I love that, brother.
Like, like helping people withthese limiting beliefs, right?
I I truly believe that everyhuman being, for the most part,
has within them the potentialfor greatness, and so many of us
live our lives without tappinginto that potential for whatever
reason, right?
Fear, just obstacles, you know,blaming things on externalities,
(04:58):
and and really just not takingownership.
And it's great that you'reworking with people that empower
them to be a better version ofthemselves.
And I really like how you'reniched down.
There's so many insurance agentsout there that really try to be
a one-stop shop and they try tooffer everything, which is nice,
but the fact that you're reallyhoned in specifically on life
and then final expense, youknow, that that gives you the
(05:18):
ability to again work withothers and help them grow uh in
a better way, I'd say.
SPEAKER_00 (05:25):
Yeah, it's funny you say that.
I uh I had someone reach out tome today saying, you know,
they're looking to add differentproducts.
I was like, what happened withthe final expense?
Did you run out of clients tohelp?
And like, yeah, I think so.
I was like, man, that's crazytalk.
I was like, 10,000 people turn65 every day.
I don't think you're looking theright places, man.
You know, uh yeah, I was just ata Tony Robbins uh conference.
(05:46):
I went to uh Unleash the PowerWithin, and he's like, if things
aren't working for you andthey're working for the other
guy, they're just doingsomething different than you.
Stop stop looking for anythingelse than that.
SPEAKER_01 (05:56):
Yep.
100%, man.
So let's look, let's lookthrough your your professional
journey here.
Um, how did you?
I mean, I'm most people I'dimagine aren't when they're
grown up and they're kids,they're not thinking like, hey,
I'm gonna get into insurance.
Like maybe maybe you'redifferent, maybe you're the one
that when the kids were outplaying Cowboys and Indians, you
(06:18):
were looking for ways tounderwrite policies to protect
them in case of some liability.
Uh, talk a little bit about yourprofessional journey, how you
got into insurance, and then howyou grew the agency to a model
where you can empower and helpothers.
SPEAKER_00 (06:30):
Yeah, and and no, I wasn't the the guy, you know, I
didn't have like a pencil, a penprotector in my in my top breast
pocket, you know, in in schoolpretending to be an insurance
agent.
Uh, but you know, saying thatand like listening to you say
it, and probably everyone that'shere that is an insurance.
I think the the first thing islike everyone thinks insurance
is like this old guy walkingdoor to door with a briefcase
(06:52):
and a bunch of papers, uh, youknow, all dressed up, you know,
and you know, insurance isn'tlike that.
You know, um, it's funny.
We have like a virtual callcenter, uh, we have dance
parties on Zoom, you know, we wehave meetings, we have, you
know, we're literally justcalling people or receiving
calls of people looking forinsurance and and we're helping
them, right?
So it's like, you know, do youlike working on the phone?
(07:14):
You're do you like helpingpeople?
You're already doing 80% of whatwe do.
Um, and then as far as theunderwriting, you know, the
insurance carrier has theirunderwriters, right?
So we just uh we just fill outthe application, you know, we're
just filling out theapplication, you know, name,
date of birth, right?
You know, what medicationsthey're on, any kind of health
issues and stuff, you know,really simple stuff.
Um, but I knew insurance was agood business to be in.
(07:36):
Uh, I remember I didn't grow upwith a lot of means, and I
remember one of my friends inthe neighborhood who everyone in
the neighborhood had more thanus, really.
But um, you know, I remembertheir their father was an
insurance agent, and I rememberone of my mom's friends did
something with insurance, andthey both said like the same
thing.
They said, you know, insuranceis really cool, you know, you
can do it for a while and thenlive pretty good on the passive
(07:56):
income and just play golf a lot,the the one the one person said,
or you could really work,continue to work, and make a
real, real lot of money.
And I remember hearing that whenI was a teenager, and that like
stuck in my head.
I'm like, man, that that soundslike a good career path.
You know, meanwhile, my mom wasa server, and you know, we were
on welfare and child's um foodstamps and all that stuff.
(08:18):
Um, child support, she didn'treceive child support, she sort
of, but uh so I was like, man,that sounds really cool.
But but for me, I same thing,right?
I thought like insurance wasthis complicated thing.
You had to do underwriting.
I thought you needed a four-yeardegree and you needed all these
things, and I never had any ofthat.
And then I figured, you know,once you have the degree, you
got to know somebody because youknow, when you apply for jobs,
no one ever contacts you, like alot of limiting beliefs uh going
(08:40):
through.
And you know, I was in mymid-30s, and I just came to this
realization, I was like, man, II haven't really done anything
in my life that was gonna helpme be on the path to live the
life I wanted to that I dreamedof when I was a teenager, right?
When I was a teenager, like Iwanted to live this life of
freedom.
I wanted to travel, drive exoticcars, like live in nice houses,
(09:03):
like like eat at nicerestaurants.
Like I wanted to live, you know,really, really well.
And you know, I did some thingswhere made some money, but it
didn't have the freedom ordidn't or just didn't you know
have the kind of money that thatI was really, you know.
I think when we were teenager,we're super optimistic about
life.
Um, so in my mid-30s, I waslike, dude, if I'm gonna do it,
(09:23):
like this is it.
This is my chance right now tofigure that out.
And so I started looking for adifferent business opportunity,
basically, that let me do what Iwant, where I want, with who I
want.
Those are the three things thatthis thing had to do.
And if it was gonna have mestuck in a geographic location
that was out, right?
It had to give me total, totalfreedom.
And you know, understanding I'mstarting from the beginning,
(09:45):
it's not gonna give me thatfreedom in the beginning, but
like the path will lead tofreedom.
Where everything else I did, thepath didn't actually lead to
freedom.
It might have been a good job,or maybe get a bonus, or like
but pay raises, but it didn'tlead to to freedom.
And I started talking toeveryone I knew that had success
in their life or more successthan me, and everyone that you
know had businesses and stufflike that.
(10:06):
And somebody like led me towardsinsurance.
He didn't even sell insurance.
He's like, Man, you know, uh,one of the guys went to high
school with they they actuallydid really they're doing really,
really well with insurance.
You should talk to them.
And when I talked to them, Ifound all you needed was like a
20-hour course.
Um, get your license, like a dayof training, and you could sell
insurance and do it fromanywhere in the world, really,
(10:26):
once you have your license andas little as much as you want,
and they have renewals andpassive income and every other
thing I was looking for.
I was like, man, this again,insurance wasn't the the widget
that I was excited about, butthe freedom that you could have
because of it, I was extremelyexcited about.
So I decided to go all in onselling insurance in 2018.
SPEAKER_01 (10:48):
Good stuff.
Yeah, I've talked, I do apodcast with a client of mine,
he's a business broker, and wetalked about when people are
looking to start businesses,there's different factors to
consider.
Sometimes people go intobusiness doing something that
they they love to do, but thenthrough the business, they burn
out and they grow to not love itbecause there's so many
different assets, so manydifferent factors that go into
business rather than just thething that you're the thing that
(11:10):
you love.
So you know, lifestyle is a is ahuge one, right?
Like what are you trying to getout of it?
Uh, and a lot of times you couldstart doing something that might
not be so attractive, likeinsurance, but it affords you
the things that you want, andyou're able to kind of realize
that through it and and learn tolove the actual thing that
you're doing.
So I think that's great.
And I think you dropped anotherpiece of wonderful wisdom for
(11:30):
folks out there about uhsurrounding yourself with people
that are in a place that youaspire to be at and trying to
associate with them and thenbasically model your habits
after them, and then you'll getto where you want to go quicker.
That's good stuff, man.
SPEAKER_00 (11:43):
Absolutely, man.
So the funny thing is, you know,at that time I'm still into
working out, but at that time Iwas really, really into working
out and being in shape.
And uh the buddy who sent me tosomeone selling insurance, he
actually just started a gym.
First, he started uh really justtraining people in his apartment
complex gym, and then he he likequickly moved into a 5,000
square foot facility.
So I'm like, man, this guy'shaving a ton of success.
(12:05):
He's got a system he'sfollowing, um, he's got a
marketing system.
So I was like, Will you coachme?
Like, if I buy a gym, will youcoach me?
So I was between like insurance,not Alex Ramosi, is it?
It wasn't it wasn't Alex Ramosi,but he was using his gym lawn
system, right?
And uh I was like, I was like,man, I was like, as so I was
asking if he would coach me onthe gym, and and this was 2018,
(12:25):
right?
And then COVID happened in 2020,and I'm like, I just look at
that now and I'm like, how wouldan insurance agency in a gym
like even even compete, right?
Like, you know, how many gymowners do you not know that are
like rich, right?
Not not very many.
Um, how many insurance people doyou know that are rich, right?
It's it's you know, insurancehas created probably more
(12:46):
millionaires than than anyone.
Um, maybe maybe real estate.
I think insurance has realestate beat.
Um, so it's like they don't evencompare, and then COVID
happened.
I would have been, I would, Iprobably would have been out of
business.
And then just like you said,like my passion would have been
like my nightmare, right?
My passion would have turnedinto my nightmare.
And and I I tell people thatbecause I get people tell me the
(13:06):
same thing all the time.
Like, well, I like working out.
I was like, good, keep workingout, but find a job that'll give
you freedom that'll let you workout as much as you want without
having to worry about bills,versus like going to start a
gym.
SPEAKER_01 (13:18):
It's definitely a balancing act with everything
that we do.
SPEAKER_00 (13:22):
Yes, I'm still working on that one.
SPEAKER_01 (13:26):
Yeah, yeah, yeah.
So through the years, we allexperience challenging moments.
Looking back through yourjourney, is there something that
comes to mind?
Um a particular challenge thathelped shape you to where you're
at today in terms of thebusiness as a business owner.
SPEAKER_00 (13:47):
Yeah, so uh, you know, I was born to two
18-year-old, drug addicted,married parents, you know, that
that were um struggling withwith all kinds of things.
I lived in uh probably over 20places by the time I was in high
school, um, in homeless shelter.
I mean, you name it.
I went through through a bunchof stuff, uh, and then I ended
(14:10):
up having a drug addiction ofmyself that I battled with for
about 20 years of my life.
So, you know, how does thatshape me with my business?
And you know, the reason you'reable to use drugs for 20 years
is because your ego uh makes youbelieve that you have everything
under control.
And in my head, I had everythingunder control, and everyone
around me thought I hadeverything under control too.
(14:31):
I just I just like to use drugsinstead of coming home and
having a beer.
I like to come home and get highfrom work.
And you know, just like ithappens to everyone, eventually
the the drugs win.
Uh, and I found myself, youknow, in a really, really bad
place.
And I was like, man, I need tomake a change.
And I and I thought the changewas uh stopping the particular
(14:54):
substance that I was using, youknow, where I could still drink
and do other things.
Um, but something led me to a12-step meeting in uh 2013.
And I'm in this meeting and inmy head, I'm in here as a
supporter because I actually wasbringing someone else there
because I thought they neededhelp.
And I sat in that meeting, Ijust started crying.
I didn't know why.
(15:14):
I just started crying and Idecided to start following the
suggestions that they had, andthat's where I learned to be
like coachable, ask for help,you know, model what works, like
all these basic principles,right?
Help me with drugs.
And then once I was like, man,that this stuff did really good,
you know.
I had my last drink or drug in2013, so I've been clean since
(15:35):
um I went to that first meeting,which I took a taxi to.
I uh I was living on mygrandma's pullout couch, took a
taxi because I didn't own a carand had two bags of clothes to
my name and and plenty of uh adebt and uh negative net worth.
Uh so just to think that was youknow 12 years ago.
And um, you know, just a lot ofthose basic principles and
(15:57):
everything I went through, andyou know, my thought was, man,
it sucks that I was like born tolike broke parents and didn't
have like any head starts inlife, and no one I could go for
for money or help ever.
Um, and and I always thoughtthat like that that happened to
me, and and now I know like allthat stuff I went through
prepared me for what I'm going,what I'm doing right now.
And you know, now now I'm youknow, my life's completely
(16:21):
different.
I don't owe anyone any money.
Um, you know, building a housecash right now in Florida, own
another house outright.
I have a small mortgage, Iguess, on a different house
because the interest rates like2.75.
Um, you know, so so just 12years later, just following some
simple principles, man, andtaking one step in front of the
other and just trying to beatmyself and be better every
(16:42):
single, every single day hasjust um really, really uh have
compound effects over time.
You know, you don't you don'tnotice it.
Like I was talking to one of myagents uh just yesterday, and
they're like they get so caughtup with like their production
this week versus last week.
I'm like, stop with this week toweek BS, you know, like look at
where you were last year at thistime, like you're you're you're
(17:03):
crushing it, you're killing it.
But people, um, even my scale,it says uh my what does it say
well-being over numbers orsomething like that when I walk
off step off the scale, right?
It's like don't work, don'tworry about that daily number on
that scale, you know, where wasit last month, you know?
And then if you're not havingthe results that you want, like
why?
You know, a lot of times whenpeople aren't happy about the
results that they're having,they're not doing the things
(17:26):
they know they should be doing.
It's it's not it's not hard, youknow.
And then I would say if we justteach people how to do the
things that they say they'regonna do, uh, people would be
having a lot more success.
SPEAKER_01 (17:37):
Absolutely.
Thanks for sharing that story.
That resonates with me a lot.
I've had my own strugglesthrough the years with drugs and
uh it's a heavy toll, but I Ialso have gotten to a point, um,
and I found that the older Iget, the more I realize that
where we're at is defined manyin many ways by how we frame
things.
(17:58):
So, like when I'm encountering adifficult situation right now
and I'm lost in thought, I tryto bring myself back to center
and remind myself that I'm rightwhere I'm supposed to be.
Right?
I'm here because of everythingthat's happened to me and all
these challenging experiencesthat I've had, and all these
things that have gone on in mylife have brought me right to
where I am, and the older I get,the more grateful I am to be in
(18:21):
this spot.
And and people are so oftentrying to escape all of the
suffering and all of thehardship and all these things.
And that's part of the journey.
There's no escaping it.
It's it and it again, it's abouta it's a framing issue, right?
It's like, do I want to sufferinvoluntarily or do I want to
suffer intentionally?
(18:42):
There's a big difference there,and so many people get caught up
and and get lost in thought andfind themselves ruminating, and
that's where depression comesin.
And and the the more work I putin, the more I go on my personal
and spiritual journey throughlife, uh the more I I come to
just come back to gratitude andjust be being good with where
(19:05):
I'm at.
Uh and that mindset helps mepush forward.
It really does.
SPEAKER_00 (19:16):
Yeah, yeah, absolutely.
I I I thought I thought you weregoing for another question.
I was I was getting ready foryou, but uh yeah, yeah, I mean
it's um it's unbelievable whatyou know once you could really
control the mind and andunderstand yourself and look
internal for solutions, youknow, how much things change.
(19:37):
And you know, I I I think aboutlike yeah, it's so easy to look
at back, right?
Um, you know, like I said, mylife's completely different.
I honestly feel like I got tolive multiple lives.
And you know, it's it's so easyto like look back afterwards and
be like, cool, why am I in thespot that I'm at now?
Like, why am I having successes?
You know, why did I have asecond chance at life?
(19:59):
Like, what am I doing right?
You know, and I just look at youknow, just basic things, you
know.
I try to give more than Ireceive now, where back then I
was trying to take more than Igave, right?
And I thought that was whatyou're supposed to do, like get
the leverage on everything.
Um, you know, I try to when whenthings aren't going right, I
look internal versus you know,man, this sucks, my boss sucks,
(20:21):
my job sucks, this car sucks.
You know what I mean?
Like it's like, all right, well,what's what's going on, you
know?
So, you know, any anything in mylife that is not not what I want
it to be, it's it's my fault,right?
It's 100% my fault.
I I need to come up with asolution.
And and that's good news whenyou realize it's your fault
because with somebody else'sfault, you don't have no
control.
You can't control it.
SPEAKER_01 (20:42):
Yeah, the victimhood mentality, right?
Placing blame on external youcan't control the externalities.
The only thing you can control,I tell this to my kids all the
time, the only thing you controlis yourself and your reaction to
these things.
And when you learn how to masterthat, then all of a sudden you
start attracting positivethings.
It's a simple equation, easiersaid than done, but it's it's
it's not that hard, like yousaid.
It's really not.
It's just about buildingconsistent habits daily and and
(21:05):
just reprogramming your mind forsuccess.
SPEAKER_00 (21:08):
Absolutely.
SPEAKER_01 (21:11):
Good stuff, man.
Um, I want to take this backthough.
I want to go, I feel like Iglossed over a big component of
the podcast when we were talkingabout the business.
You were talking about how youyou your mission now is
empowering agents, um, but youalso have your own insurance,
you also help consumers outthere, right?
SPEAKER_00 (21:28):
Yeah, yeah.
We help um I think we helpedlike 1,300 uh policies last
month.
So 1300 um consumers gotinsurance last month because of
us.
Uh so yeah, I mean we're we'rehelping at scale.
You know, I manage uh a bunch ofvirtual insurance agencies
throughout the country.
So typically, you know, someonedecides they want to sell
(21:51):
insurance.
I teach them how to sellinsurance, how to help
consumers, you know, with theirinsurance.
Uh plug them into a leadprogram.
So, you know, we have about7,000 inquiries of people
looking for insurance a monthright now, and that number's
going up.
So it's just a matter ofplugging people into that.
So that way they're they'reeither you know calling the
people back or they're taking aninbound call, uh, helping them
(22:13):
with their insurance needs.
So um last month was a record$1.3 million in production.
We did uh and this month we'reon pace to break that.
So uh we we did I started a newcompany in November, no, October
4th, and uh we did a$10 millionin production in our first 350
days.
Uh so super, super excited aboutthat.
(22:35):
But uh, you know, it's it's thepeople we got a lot of really
good people that just help likehelping people, and and it's
winning combination when you'reuh trying to sell something is
have people that actually careabout the people they're trying
to sell it to.
SPEAKER_01 (22:47):
Absolutely.
Now, where I know withinsurance, you you get licensed
in your resident state, and thenyou get a reciprocal
non-resident license for uhstates that you want to operate
in.
Which states do you operate in?
You're not in all of them,you're all of them.
SPEAKER_00 (23:00):
Yeah, all of them.
SPEAKER_01 (23:01):
And then you, I'd imagine you have uh tons of
relationships with carriers withinsurance companies, and then
when you take an agent on towork with you, you you then can
plug them in and find the bestcarriers for them to market
their products.
SPEAKER_00 (23:14):
Yeah, that's it.
Yeah, so you know, the theinsurance carriers they they
want to work with us because uhour field force or or or or
agent force, not field, we we doit on the phone from home.
Uh and then yeah, so we justbasically get them contract with
the carrier, uh, act like amiddleman, um, get them all the
training they need, plug, plugthem into whatever whatever that
(23:35):
tools that they need, and thengive them a mentor to teach them
all the underwriting andeverything uh with that.
And we start with um about fivecarriers at first because that
that's it gives you a good mixto cover most of the health
conditions without you having tolearn too much.
Uh and then from there, youknow, we just constantly keep on
giving you new tools.
Uh, we're about to launch aannuity division and a Medicare
(23:57):
division for 2026.
Uh, so we're just gonna keepgrowing as a business and keep
finding uh more ways to help theconsumers and help uh agents be
more profitable and have morefreedom.
SPEAKER_01 (24:09):
Yeah, I mean, I really I really like the model,
right?
As somebody you know coming outinto the insurance field, you
just got your license as analternative to going to work for
somebody at their agency tolearn the ropes or going out on
your own and trying to figure itout on your own.
You can come over to the pricegroup and you guys, again, you
hold their hand, walk themthrough the process, and really
get them set up and on the rightdirection to build their own
(24:29):
agency.
Love it, man.
SPEAKER_00 (24:31):
Yeah, I think the the biggest thing with that is
uh everyone owns their own bookof business.
So they're all independent, theyown their own book of business.
Um, you know, they own therenewals, they they own
everything.
So they're they're reallybusiness owners, where if you go
to you know another anothercompany and they're paying you
like hourly or something likethat, like you're just you're
just an employer.
You got your insurance licenseto be an employee again.
(24:53):
You own nothing.
Uh the minute they fire you,you're back at ground zero.
So that that's the goal is youknow, empower people to to grow
their own business.
SPEAKER_01 (25:02):
Now, do you typically, in terms of how you
guys get compensated for helpingagents, are you getting like a
very small residual on policies,or do they pay you independently
of that?
Or how does that typically workfor you guys?
SPEAKER_00 (25:12):
Yeah, so the the carrier pays the agents
directly.
So the carriers are paying themdirectly, and then they're
paying us uh an override for formanaging and taking on the risk
because insurance is uh themoney's advanced money, so it's
typically loans that are givenout.
So that's really the main pointof the IMO is uh we we take the
risk.
So the the insurance carrier isnot willing to take the risk on
(25:32):
somebody without uh a trackrecord.
SPEAKER_01 (25:35):
All right.
Make makes sense.
Okay, shift shifting gears.
I feel like we we covered that.
Uh I missed that going in.
So I want to pull this over touh family, right?
So family is everything.
I got a 10-year-old and a13-year-old daughter, a
10-year-old son and a13-year-old daughter.
(25:55):
And I must say, going back tothis whole mindset discussion
and uh uh dealing with your youknow life challenges, I I am not
happy with the way I left offthis morning when I got him off
to school.
I I I did not show up well thismorning, but it it reminded me,
right?
For a little while, I I thoughtI was you know, I was a little
down on myself.
I was a little upset with how Ihandled the situation, but the
(26:15):
more I reflected on it, again, Icame back to gratitude.
Like I'm here now and it's alesson, right?
I can't wait until they get homeand I could sit down and have a
conversation with them.
Um, it's just so important tofor me to be a positive role
model for my kids.
And sometimes I'm not that, andyou know, I'm human.
What about your family?
Do you have kids of your own, ortell us a little bit about your
(26:37):
family?
SPEAKER_00 (26:38):
Yeah, um, yeah, I'm in Puerto Rico basically by by
myself.
Uh, I have a 23-year-old son,he's out in Minnesota.
Uh, my mom's in Arizona.
Uh, my father, my father passedaway.
Uh, so I um yeah, I mean, thejourney's definitely give me a
lot more freedom to to travel.
Uh, try to be flying to Arizonafor for years now to you know
(27:02):
spend Chris.
My mom's uh birthday isChristmas Eve.
So I spend uh Christmas Eve andChristmas with my mom.
And uh last year, you know, tookher and her husband uh on a trip
uh for the week of Christmas.
So definitely try to uh be moreactive in that.
You know, I wasn't you know, wasa big family person, not that I
(27:23):
wasn't a big family person, orwe we weren't a big family
family uh you know growing up.
Like I said, we we dealt with uhsome broken childhood stuff uh
and some traumas, but you know,as you know, start working on
myself and you know, as the umI'm gonna back up for a second.
So like when the when you don'tgrow up with money, and like
(27:45):
money is always an issue, it'slike a lot of your decisions, a
lot of things you do is basedoff that, right?
Because you need money to eatand survive and pay rent and
bills and insurance and allthose things, right?
Exactly.
Uh so it's cool.
So like once once that's fixedand like that's not a thing
anymore, then it's like, allright, you know, what do I work
on now?
What are the things that that Iwant to fix?
So one is uh my health, right?
(28:07):
I definitely spend a lot of timeand do a lot of things, you
know, for for my health, uh, andthen then my family, right?
So trying to, you know, do abetter job of of being a better
son, a better father, um, andtry to spend time with people
that the the best I can livingin Puerto Rico.
SPEAKER_01 (28:25):
Puerto Rico.
We're just talking about itbefore the show.
I got a good friend of mine thatjust just went down, his fiancé
is from Puerto Rico.
The grandmother still lives downthere, and they bought a
seven-acre piece of land, Ithink it's seven acres,
somewhere in the jungle.
Uh, they're gonna build aretreat center, really kind of
unplug from the society thatwe're all the the grind, if you
(28:46):
will, right?
Like the older I get, man, themore I just want to disconnect.
I mean, we're so stuck with withelectronics and and I it it's
just I just want peace and quietthe older I get.
I don't want to go, I don't wantto be away from everybody, but I
just I just want peace andquiet.
That's all.
(29:06):
Simple man.
SPEAKER_00 (29:09):
Absolutely.
I I'm uh I'm on Zillow all thetime looking for like a mountain
home somewhere in uh in thesmokies or uh like a second home
somewhere out in the in thecountry for sure.
SPEAKER_01 (29:20):
Yeah, yeah.
He's gonna he said he's gonnaput uh one of those container
homes on the property.
I said, you know what, I'm gonnaI'm gonna get one too if you
give me a spot over there andI'll I'll come down there.
Not full-time, just part-time.
Come down and visit and hangout.
It's gonna be uh it's gonna befun, man.
SPEAKER_00 (29:35):
Wonder what he paid for seven acres.
SPEAKER_01 (29:39):
I'm not sure I'm not sure the price tag exactly.
I know it was like a hundredsomething, it's low hundred
something, I want to say, butI'm not I'm not a hundred
percent sure.
SPEAKER_00 (29:50):
So I don't it can't be that.
SPEAKER_01 (29:51):
Yeah, yeah.
It's uh it's it's funny goingback to again going back to this
idea of mindset and havingabundance mindset and not
focused on scarcity.
I watch My buddy Brian kind oftransform his life.
He also had some serioushardships, drug problems.
Uh, he was suicidal, he wasgoing through, he had some
autoimmune disorders, and he gotinto this whole holistic
healing, plant medicine,shamanism.
(30:13):
And I've been watching himtransform his life.
And then he started talkingabout moving from Orlando
recently.
And I listened to how he framedthis.
And there was part of my mind,this negative thought process
that I still have in my mindwhen he's telling me, I'm like,
well, what if it doesn't work?
I'm like questioning him, right?
I'm like, I want to walk out formy buddy.
(30:34):
And I'm and he none of that wascoming through.
He was just materializing ormanifesting, if you will, in his
mind.
He's like, this is happening.
Like this is my this is what Iwant to do.
This is my plan.
This is what makes me happy.
This is how I can help the mostpeople.
Like this is happening.
And I watched as the pieces fellinto place and he went down
there and he got the land.
I was like, fucking hey, thisstuff works, man.
But if you just frame thingsdifferently, you know, you
(30:58):
attract what you want in yourlife.
So I'm so so proud of him, soexcited for him.
And that's kind of my journey iskind of shifting in that
direction too, to try to helpother people.
And I want to get involved withthese retreats.
Um I just I found so muchusefulness in this journey I've
been on.
And I feel like I was watchinghim from the sideline and like
doing the own, doing personalwork on myself, but I wasn't
(31:22):
really helping other peoplearound me.
And I said, I need to now takewhat I've learned and take
what's worked for me and try toshare that with others and grow
a community of my own.
Um I recently started a men'sgroup locally here, and that's
really the path that uh I'mfocused on right now.
It's good stuff, man.
I like it.
It's awesome.
Uh so where are we?
(31:43):
Where are we?
Um You mentioned you like towork out.
Is that really what keeps yougrounded outside of work, or
what do you like to do to kindof uh keep yourself grounded for
fun?
SPEAKER_00 (31:54):
Yeah, you know, the the work starts becoming fun.
Um I I I think about um likevideo games when I was young, I
used to play video games a lot,and it's like so addicted to it.
You just like you want to likeunlock that next level, like
what happens when I get here orthere, or you know, if I'm power
level 44, what happens, right?
Uh and and that's how I feel,right?
(32:15):
You know, it's just you know,we've been having records and
growing um exponentially, youknow, from from day one, and you
know, just having a lot of funwith it.
Uh, you know, we go on trips.
I think uh got a meeting eithertoday or tomorrow, plan it
planning a ski trip uh for someof my top agents.
That's what the meeting's about.
We're uh we're gonna figure thatout.
(32:35):
Uh, one of the insurancecarriers uh that we do a lot of
business with wants to you knowspoil me and and some of our top
agents.
Uh so we're we're having ameeting with that.
Uh hopefully somewhere in thewest is where I want it to be.
Um yeah, some some somewhereover there.
I I think the the one executiveat the carrier, I think he lives
(32:56):
out that way.
Um, so just always um you know,always trying to have fun with
it, right?
You know, make it make itsomething that that is
enjoyable.
Um, but if I'm not I'm doingsomething that's not
work-related, I like going tothe gym, I like mountain biking.
Um, I like anything, you know.
I've been jeeping here in PuertoRico, which was really cool.
You know, rented uh a Jeep witha guide, which that was cool.
(33:18):
Yeah, man, it was it was supercool because it was like um, you
know, it was a paid trip, but itwas like yes, crossing a stream
and like just doing a cult bunchof stuff that you thought you
wouldn't do, you know, uh in inone of those little paid Jeep
trips.
So a lot a lot of a lot ofadventure, a lot of fun here.
I had um yeah, it's just nice tobe outside sometimes.
I was out, I took a nice littlewalk yesterday when I was done
(33:40):
working, and you know, the airand the wind and everything was
just like perfect.
And I was just like, man, thisis the that's what uh moved out
here.
I visited um a friend of mine,and it was just it was just so
nice.
And I was just like, all right,I'm moving out here.
SPEAKER_01 (33:54):
Uh so weather, weather it's not like really hot
down there, like weather similarto South Florida, I guess.
SPEAKER_00 (34:01):
No, I mean it it definitely gets hot, but like um
you know, last night probablybecause you you get a real
strong breeze most of the time,and then you know there was no
sun, so it was it was nice, itwas beautiful.
It's probably like 70.
I mean it felt I don't know whatthe temperature was, but
probably felt like 70-ish withlike a nice strong wind and and
no sun, so it just it was likeperfect.
SPEAKER_01 (34:22):
Yeah, it's start starting to get a little cooler
down here in South Florida.
We have like a what three,four-month window where the
temperature gets comfortable andthen it goes back to being hot
again, which I've I've comeaccustomed to at this point.
I'd much rather it be hot thansuper cold all the time.
SPEAKER_00 (34:38):
Yeah, so it's funny because I I moved here from
Florida and um I was going backand forth quite a bit, and I was
like, you know what?
I I think it's cooler in PuertoRico than Florida.
Oh shit.
Um, and it and it's uh onlybecause of the wind.
Like it's just you justtypically always have a really
strong breeze.
So the temperature might feelthe same, but if you're in the
shade and you have that windhitting you, then it it just
(35:00):
it's it feels cooler.
Where like Florida, uh yeah, itdoesn't have as much breeze, but
they're they're both greatplaces to live.
I mean, I love living in Floridatoo.
I was just looking for a changeand uh thought living on an
island would sound like a goodchange to me.
SPEAKER_01 (35:16):
Yeah, because I'm not familiar with Puerto Rico at
all, other than the fact that myfriend just went down there and
bought the land.
I know nothing about it.
I think San Juan is the thecapital, right?
SPEAKER_00 (35:24):
Is that the yeah, San Juan's the capital?
That's that's where I live.
You know everything, you knoweverything.
There's a no.
SPEAKER_01 (35:31):
So yeah, and I'm I'm trying to I wonder how far away
you are from.
I definitely got to connect youwith him um when we're done
here.
It could be interesting.
SPEAKER_00 (35:39):
Yeah, I'm super curious because I I do go on
Zillow and uh and FacebookMarketplace, and I see land for
sale all the time.
And I was like, man, I wonderwonder what it would take to
build a place here.
So I like that container idea,but still, like how what's it
what's it cost to get acontainer there?
You know, I wonder.
SPEAKER_01 (35:56):
No, I think he mentioned like a two-bedroom
container home where they justplop it down on the property and
you plug it in, basically.
It was like 30 grand.
So not bad.
SPEAKER_00 (36:04):
Sounds really good.
I would feel I feel like I wouldsee a lot more container homes.
But I guess it's because I'm notwalking around in the jungle out
in the middle of the island.
SPEAKER_01 (36:09):
Maybe that's why.
Yeah, yeah.
So I went at one of the retreatsI was at um recently.
A buddy of mine did thisvisualization exercise, and
basically at the end of theexercise, asked a question of us
or kind of framed it in a waythat alluded to this question.
I want to ask it to you.
And it's if you could go backand tell your younger self one
(36:32):
thing, what would it be?
SPEAKER_00 (36:35):
Yeah, so that that's a really simple question um to
answer for me.
Uh and it would be you know, ifyou're doing something, just do
it to 100% of your ability allthe time, no matter what, right?
And like to really like explainthat, you know, I didn't take
(36:56):
school real serious.
And you know, now I'm I'm 45years old, and you know, you
start looking at time and youstart looking at um you know,
being real intentional about howyou spend it, who you spend it
with, and what you're doing.
So if I was locked up in abuilding, right, school for
eight hours a day, and youliterally like just waited for
(37:20):
the time to end until it wastime to go home, and you didn't
like do anything productive inthat time, torture, like it
makes zero sense, right?
It makes no sense at all.
So, you know, while I was there,I might as well took the time to
you know read and do the lessonsand learn as much as I can and
learn how to connect with peopleand learn how to build
relationships and and stuffinstead of just like trying to
(37:41):
avoid people and wait for theday to end and go home.
Uh, you know, so so that's justa really, really good example
because you know, I mean, I'mnot even gonna sit there and try
to do the math on how many hourswe spend in school before, you
know, by the time we're out ofhigh school, but it's
ridiculous.
Um, and majority, I mean, Iwould say, you know, over 60,
70% of that, I was probably justcoasting by and sliding by and
(38:03):
not taking it real serious.
And you know, now I'm trying tolearn as much as I can, you
know, audiobooks, reading books,taking courses, classes, you
know, mentorships, masterminds,like I'm paying all this money
uh to do all these things whenit's like, man, that like you
know, what would happen if Istarted when I was younger on
gaining information and beingreal intentional with with how I
(38:23):
spend my time and not wastingtime.
And then, you know, as I say, Ithink about too, like, you know,
in high school, when you're justlike go hang out with your
friends, you know, and then youlook at like I'm listening to uh
you know biography, I'mlistening to uh Steve Jobs
biography right now, and youknow, or like even like Warren
Buffett, and like, dude, whenthey're a teenager, when Warren
Buffett was teenagers, he's likebuying stocks, right?
You know, he's buying stocks, hebought a pinball machine and
(38:45):
like put it somewhere, and it'sjust like, man, you know, I was
hanging out, I sit on myfriend's couch watching TV, like
you know, so it's just lookingat that stuff, and and there's
nothing wrong with sitting on acouch and watching TV with your
friend, uh obviously, but likeif that's what you do a majority
of your time, you know.
I always say, listen, you can dowhatever you want with your
time, just don't do whatever youwant with your time and complain
about your life.
(39:05):
You can't do both, yeah.
Right?
You you could you could workyour butt off and try to like be
super successful, then comecomplain to me and like we could
figure out how to tweak it andmake it better, but like don't
waste all your time and thencomplain because we you already
know what the problem is.
Uh so yes, you know, that's along drawn-out answer.
And I I just wanted to really umreally hit that one because at
(39:27):
the end of the day, it's like,all right, well, I didn't do
those things for you knowmajority of my life, but like
the majority of the rest of mylife, I am gonna be very
intentional with my time, and Ifeel like it's gonna make my
next 10, 20, 30 years um a loteasier and a lot better on this
planet.
SPEAKER_01 (39:43):
Absolutely.
I am I also am 45, and a lot ofwhat you said just now resonates
with me deeply.
It's funny how we get older andand and our perspective shifts
on on time and our intention.
And and I thought what you saidabout with whatever you're
doing, give it a hundred percentall the time.
That's something that I've beenthinking about about a lot
(40:04):
lately.
Like doesn't matter what it isthat I'm doing.
I noticed so many times I waslike washing the dishes or
whatever it is, putt putting myson to sleep, just things that I
was doing.
I found like a voice in my headpulling me away from that
because it wants to go do thething that I want to do, right?
I play the guitar, I want to goplay the guitar, and I find
myself being pulled away fromthe thing.
(40:25):
And I I I I remind myself allthe time.
It's like, no, I am doing thisthing right now.
This is what I'm doing, and I Iam going to give it a hundred
percent of my effort.
I'm gonna focus on this thingright now because I'm doing it
anyway.
But why do I want to do itrushed and do a half ass job and
be miserable while I'm goingthrough the process?
Since I'm doing it anyway, Imight as well enjoy it and make
fun.
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