Overcoming the Victim Mentality in Business

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In an age where small businesses face mounting operational pressures, what truly separates those who merely survive from those who thrive? This raw, unfiltered conversation cuts through excuses and delivers hard truths about entrepreneurship in Australia's evolving economic landscape.

We tackle the recent 3.5% minimum wage increase and superannuation bump to 12%, but quickly pivot to the real issue plaguing most struggling businesses: a fundamental lack of business acumen. With refreshing candor, they challenge the victim mentality that permeates small business culture – the tendency to blame external factors rather than addressing internal deficiencies.

"Someone somewhere is paying premium for the service that you offer," becomes a rallying cry for business owners stuck in the cycle of undercharging and overworking. The discussion explores why most practitioners struggle with the transition to business ownership, highlighting the vast difference between being skilled at your craft versus running a profitable enterprise.

The conversation takes fascinating turns through Australia's economic safety nets, tax perspectives that separate the wealthy from the struggling, and why maintaining productive discomfort drives business growth. Beyond theoretical concepts, the hosts share personal experiences of pushing through challenges and the mindset shifts that enabled their success.

Whether you're a seasoned entrepreneur or contemplating your first business venture, this episode delivers actionable insights on pricing strategy, customer selection, and maintaining momentum through adversity. Stop blaming external factors and start mastering the fundamentals that drive business success. Your perspective – not government policies – ultimately determines your outcomes.

Episode Transcript

Robby (00:09):
Did you know that sharks don't have any bones?
What yeah, apparently.

George (00:14):
Nah, man, nah, like You're tripping.

Robby (00:16):
Yeah, it doesn't make sense.
Someone said that to me and Iwas like you sure, nah, not as
in like.

George (00:23):
Is that, like 38% of all statistics are made up.

Robby (00:27):
No, I think the person meant it as in you know how we
have bones like you can't eatthem.
Yeah, like most fish, have theydon't have bones that have that
.

George (00:39):
Oh, what it's made of.

Robby (00:40):
Yeah, no idea.
Do you know what I'm talkingabout?
No, but they're bones.

George (00:43):
Yes, I don't know.
I'll look at it as a bone.

Robby (00:46):
As in, like most of the time, you can eat it.
Yeah right, I haven't done thatbefore you don't know what I'm
talking about.
No, no idea.
Yeah, fair enough Me either, ifthat makes you feel better.

George (01:00):
Excellent.
Welcome back everyone toanother episode of Million
Dollar Days.
I hope you are having a milliondollar day, because why
wouldn't you, why wouldn't you?
And good news if you're on theminimum wage as well, as of the
1st of July it's gone up by 3.5%and also superannuation has
gone up to 12%.
So good life as an employeeright now, living the dream.

(01:23):
So good life as an employeeright now, living the dream.
But what I wanted to talk abouttoday is some of the pressures
that businesses do face withregards to the rising costs of
really operations.
You know, you're hearing moreoften than not about how these

(01:45):
small businesses are strugglingand not making money and going
broke and it's so difficult towin out there.
And there's a couple of thingswith that.
I think just people in generalare not equipped to deal with it
properly.
And also, as in the skill set,the knowledge they get into
business, thinking oh yeah, I'mgoing to crush it, learn from
their mistakes, sort of takethat long route to being

(02:05):
successful.
But also there are externalpressures to them too.
What are the external ones?
Oh, just saying, with the costof actually operations, you know
, from employees from makingsales.
Like, as we've said before inprevious conversations, most
people aren't great at makingsales.
Most people suck, that's what Imean and they probably think

(02:29):
they're good, they probablythink they're alright, but
there's so many things that theycould be doing to actually
skyrocket their business thatthey're not.
And then they've got theseother factors which they're not
even considering.
Okay, minimum wage Most peopleare getting paid more than
minimum wage, so it's probablynot going to really affect those
people.
But still, in saying that it isnow a minimum, it's the

(02:52):
benchmark.
And then also, superannuationhas gone up to 12% and it used
to be 10%, so that extra 2% nowthat businesses have to pay
their employees.

Robby (03:02):
Yeah, but so it went from 11 and a half to 12.

George (03:06):
Yeah, but it used to be a 10.
For the longest time it's been10% since it came out, I think.
No, it was less.
No, it was, it was less.
Actually it was like nine yeah,nine, you're right.
So it's gone up from like nineto 12.
This has happened at like halfa percent over the years.

Robby (03:23):
Yeah, and it's gone from 11 to 11 and a half to 12 very
fast.

George (03:27):
It's been every 12 months that it's been going up.
They had a goal from this pointto a certain point to go up.
Here's what I think, part of itis why does that bother you?

Robby (03:35):
Because I'm sensing a sense of oh, no, it doesn't
bother me.

George (03:38):
It doesn't bother me.
From that perspective, it'smore.
It's just another factor thatbusinesses now have to face and
incorporate.
So like, okay, does everyone doall of their prices go up by
half a percent on everythingthey're doing?
Technically, yeah, it should,because now they have an

(03:59):
additional cost to business andnow everyone's complaining how
everything is so expensive.
Like you go to get a coffee nowit used to be four bucks, it's
now five5.50, $6, $7, whateveryou're paying for your coffee.
But all of these things have toget passed on and I think some
of the problem lies here, Ireckon, in small businesses in
Australia.
They should be really helpedmore as far as as far as the

(04:22):
government yeah, from thegovernment, even from a a tax
perspective.
They need to, they need smallbusinesses need to win.
You know, I think smallbusinesses need to win for the
good of the economy and too manyare not winning.
Too many are either going brokeor not making enough money, and
I reckon that's a problem.

Robby (04:39):
Yeah.
But you know what I'm going to?
I'm going to take the otherside yeah, good and I'm going to
turn around and say that you'reright, they probably are
winning.
But I'll tell you why.
It's got nothing to do withhalf a percent on super of
course not, it's just acontributor because they suck.
Yeah, you know what I mean.
Like, like, genuinely, there'scertain businesses, some

(05:00):
businesses out there do onething like you you have one
fucking job.
Your thing is like you've gotone product, you serve this one
food.
Dude, nothing upsets me morethan going and paying for a meal
and saying I could have whippedthis up better, yeah, and it's
like I don't even like cooking.
Yeah, yeah, do you know what Imean?
Like I'm not a, that's not mything, and I still could have
did this better than you.

(05:20):
Yeah, that's shame.
Shame on you.
Like what you don't mean, whatare you doing?
And then?
And then you're gonna gocomplain, because that's the
person who will complain.
Oh, minimum wages are up, blah,blah, hey you can't even cook a
good egg.

George (05:32):
Yeah, yeah, ask for poached.
How good, not hard-boiled eggsare good.

Robby (05:37):
yeah, they're great, um, but you know what I mean?
Like and then.
And then there's businessesthat provide a phenomenal
experience, and then you're like, hey, we'll pay a premium
Charge more.

George (05:49):
Yeah, yeah, I've actually got a mate that's like
that.
I've got a mate that he doesgreat work, and I think he was
looking after me as far as I wasbuying something from him and
I'm like hey look.

Robby (06:02):
Do you want to give him a plug on the plug?

George (06:03):
no, no, no, fucking why like oh, he's a good mate, yeah,
give him a plug.
No, I'll get him on.
I said you should charge more.
Charge more.
You don't like it?
What?
No, no, I don't like it thatmuch.
Um, I said you should becharging more.
Man, I go, you're too cheap.
He's very busy as well.
I said it's supply and demand.
You've got to be charging more.
You deliver a good product andI reckon you need to charge more

(06:26):
.
But again, that could be anelement of what you're saying
People suck at business.
People suck at business.
So he doesn't realize.
He goes oh, no, I can't chargethat much.
Maybe it's a self-worth thing,maybe it's.
Oh, I feel like I'm rippingpeople off.
Man, the more money you make,the better service you can
provide.
I'd rather have 10 customersthat pay me heaps and give them

(06:48):
amazing service than a hundredthat pay me fuck all.

Robby (06:49):
And give me grief.
Yeah, but most people live inthe latter.
Yeah, that's right, do you knowwhat I mean?
And they just scrape by andthen they sit there saying you
know, business is hard, and blah, blah, blah.
And I think that because, like,business is hard yeah, it's not
easy at all but I also thinkthat thing of like it's
ingrained into people.

George (07:08):
Yeah, that it's hard.

Robby (07:09):
Yeah, like kind of like the I'm the victim kind of
mentality, yeah, yeah,absolutely Like, oh, poor me.

George (07:18):
Almost permission to fail.
Yeah, it's like.
Oh well, I gave it a crack.
Oh, it's too hard.
Oh, it's this, it's this, it'sthis.
Yes, there is an element ofthat, for sure.

Robby (07:24):
Yeah, and I'm so anti that, so anti that and yeah, I
think most businesses don'tdeliver a great job.
So if you're struggling inbusiness like fix it, Do
something, Change something Doyou know what I mean?
Like there is if you werereally good at what you do.
Like someone somewhere ispaying top dollar for the

(07:49):
service that you offer, Whateverit is, I don't care what it is.
You make breakfast, you servepizzas, you clean toilets.
Someone somewhere is payingpremium for that same service.
It's like why can't they paythat premium to you?

George (08:01):
Yep, do you?

Robby (08:02):
know what I mean.
You say that thing Somewhereout there is the most expensive
builder in Australia.
It's not me.
I'm pissed off, yeah.
And it's like, well, how canthat person get away with it?
That's right.
And someone's doing it rightnow.
Yeah, people complain oh, Ican't buy a house.
People complain, dude, oh, allthe time, I can't buy a house, I
can't do this, rent is high,blah, blah, blah.

(08:24):
And it's like, hey, someonejust bought a house in Noosa for
$20 million last week.
Do you know what I mean?
That person did it.
You can go and say, oh, youknow, rich family, blah, blah,
blah.
You can make every excuse youwant Every single one, but is
every single one of themself-made?

George (08:41):
Exactly.

Robby (08:41):
Do you know what I mean?
How did they do it?
And that's why I refused, likehalf a percent, sure, yeah, yeah
, take one.
Yeah, I'll pay you more.
Give me the best employees.
Do you know what I mean?
Yeah, if you're paying minimumwage, that's a problem in and of
itself.
I agree.

George (08:57):
Yeah, I agree with that completely.
It is, it's a problem in and ofitself, you're scraping the
bottom of the barrel.
You are better off paying moreto get a better quality person
that will deliver, as opposed tosomeone that's just going to go
through the motions and way,way more return on a small
improvement.
Yeah, heaps.
I think it's about 24 somethingan hour at the moment.

(09:19):
That's the minimum wage, sogive them 30.

Robby (09:23):
So does that mean there is no job where you can earn
less than $24 an hour as anadult?
Yes, you know, I was looking.
I had someone contact me, likea family member, quite young,
and he called me and he justwanted some advice about
accounting and things like that.
He was like how do I do this,how do I do that?
So I was explaining it all tohim and I was looking at the tax

(09:44):
brackets.
Have you I recently did, funnyenough, I was looking at it last
night, yeah, and I was lookingat it and I realized that, first
of all, from what I recall,since I've been aware of it,
it's always been zero to 18,000or 18,200 is tax-free.
What I didn't realize was whenI started working I was an

(10:07):
apprentice I made $12,000 in myfirst year as an employee.
The tax bracket was six, so Ipaid tax on $12,000, dude for an
annual income and I was likeI'm not that old.
And I was like that's asignificant jump, like that's a
big same thing with Super.
I think it was like that's asignificant jump, like that's a
big same thing with super.
I think it was like ninepercent, yeah, that's why I was

(10:30):
kind of fresh yeah, um I thinkit was like nine percent at the
time.

George (10:34):
It's like all of a sudden there's been these big
leaps to help the lower, helpraise the lower bar yeah which
is which is what Australia isall about, by the way,
absolutely, and look, no one'sgoing to live on $12,000.

Robby (10:50):
No, but I was a first year apprentice.
Yeah, it was scraping by.
I used to use my overdraftevery single day.
I used to live my life innegative 500.
Yeah, there you go For a longtime.

George (11:03):
Yep, how's that for stress?

Robby (11:07):
I just had to make sure I had fuel.
That feeling seems so Likeimagine not going somewhere now
because you're like no, I can'tfuel, I like it.
But the people that It'd bepeople like that, yeah, it'd be
people like I can't.
I've got one tank of fuel forthe week.
You know I need to make sure Ican get to work and back.
Yep.

(11:28):
That was the way I lived, but Iwas also making $200 and
something a week.
You know what I mean.
Yeah, it's very challenging,and now you make $24.
And yes, okay, the cost ofliving's gone up.

George (11:42):
Yeah, I get it, but like make more money, make more
money, make more money,absolutely.
And yeah, that's great.
And if you're listening to thisand you're in that boat, that's
what you have to do.
And it's like, oh, it's easyfor you to say and it's easy for
you to do that it's you know,again, even you saying that is
an excuse, if you, if you justkeep putting excuses up in front

(12:02):
of yourself, then that's allyou're ever going to see.
You're just going to see theexcuses.
You're going to be surroundedby the excuses and you're not
going to find that avenue, thatsolution, whatever it might be,
to get that change that you wantin your life.

Robby (12:17):
I think um.
I think we're too comfortablein Australia.
Yeah, have you ever felt?
Have you ever been?

George (12:23):
comfortable in Australia .
Yeah, yeah, have you ever felt,have you ever been comfortable
Me?
Yeah, like in the sense fromI'm doing all right, yeah.

Robby (12:35):
I say it to so many people and most of the time I'm
saying it to myself.
Do you know what I mean.
Like in the sense of likepeople always do this and I it's
very common, I think, like Iwould say, I would go as far as
to say like 99 people do this,they get some level of success
and they take the foot off thepedal.

(12:55):
Yeah, I was definitely that, Idefinitely had that you go like,
you go hard at something andyou're like and then all of a
sudden it's like you kind of hita point you hadn't reached
before, and then it's like, oh,like wow, you know what I mean.
And then you kind of pull back,yeah, and then you coast, and
then you fall behind or you staystagnant, yeah.

(13:17):
And there's people that do thatand stay stagnant for the rest
of their life and they hit abenchmark and hey, if that's
what you want, by all means youwon.
That's right, if that's whatyou want, you know what I mean
Like, if that's your goal andyou're like, hey, I want to make
$55,000 a year and work fourhours a week, and I got it, and

(13:37):
I'm doing that and I'm happy,you win, you've won.
Congratulations.
But I think it's human nature.

George (13:46):
I think I find personally that I work better
under pressure.
You know, when it gets hard,like you know, when it's tough,
when the going gets tough, thetough get going.
Like I feel that that's reallyrelevant for myself.
Whether things are difficult, Idon't know.
I think it has to happen.
There's no fight, there'snothing after me.
Do you know what I mean?
I can't be like oh, I'll justlet it go, and that next guy,

(14:11):
it's someone else's problem, I'mgoing to quit or I'm going to
do it Like there's nothing.

Robby (14:15):
It has to be me that does the thing, and so why can't you
just do the thing anyway?

George (14:19):
What do you mean?
So why does it have to gettough?
Things always do.
There are times in businesswhere it's difficult.

Robby (14:24):
Yeah, no, no, but your statement was I feel like I work
better under pressure.

George (14:28):
Yeah, yeah, I do.

Robby (14:30):
Yeah, so why do you have to be under pressure?
Under pressure to work well?
Yeah, like you just said, whenthe going gets tough, the tough
get going.
Yeah, so you feel like when itgets tough, all of a sudden you
step up and I said why can't youjust do the thing without?

George (14:42):
it getting tough.
Well, maybe tough, not thething, maybe like a level of
discomfort.
You know, it's like, um, likeyou know you said, when you get
comfortable, that's when yousort of start taking your foot
off the brake.
Yeah, and I feel when I getlike that, it's it almost just
happens.
I take my foot off the off thepedal and I, when I see that
happening, I then go okay, well,what can I do to make myself

(15:04):
uncomfortable?
What do I need to go and do toget moving again?
I'm pushing, so I'm alwaysunder that pressure.
That might be employ someoneelse Okay, well, now we have
another $100,000 salary that wehave to cover.
Or it might mean I've got to gobuy an investment property or

(15:26):
do something else, because Ifind that when things are easy,
I'll start to go okay, cool,let's just relax a little bit,
but you've earned it.
You start having that talk inyour head oh, come on, man,
you've worked at that.
Those last couple of projectswere a killer.
You've been working hard forsix months.
You deserve a few months off.
Just take it easy, go onholiday, do whatever you got to,
and whilst that's fine if youneed to have that break, I just

(15:47):
find personally that if I'malways doing something, if I'm
always busy, that it drives me.
Even this podcast, it'sinconvenient at times, as much
as I enjoy it.
I look at it and I'm like, oh,I've got things to do, I've got
places to be, I've got phonecalls coming in.
Right now there's a level ofdiscomfort doing this, but it's

(16:09):
also very rewarding too.
I feel it keeps me on my toes.
I always think, okay, well,when things get tough, I always
think to myself well, you askedfor this.
Did you think it was going tobe easy?
You asked for everything youhave got.
Now go out there and work andget it done.
As you said, find thosesolutions to problems.
If, hey, something's notworking great, well, cool, find

(16:31):
the solution to it.
What do you need to do to getit better?
We're looking internally atthis is at my construction
business.
How do we get more efficient atbuilding things?
Because at the moment and it'sfunny one of my employees who's
based in the office he's anoffice-based employee I've got
him on site for the week purelybecause I've got three people on
annual leave and I said listen,just spend the week on site

(16:51):
driving around.
I need you to manage these jobsdo X, y, z and he's like, yeah,
cool, no worries, and it'sfunny.
He called me up during the weekand he's like man, he goes,
people just fucking lie.
He goes.
They're telling me they'regoing to be here.
They're not here.
I'm waiting.
It's eight o'clock.
There's no one here yet.
Now they've just called me.
They're not coming tilltomorrow.
This isn't happening.
Oh, the timber delivery.
I said, mate, that's thechallenges you're getting that

(17:20):
the site guys get every day.
I'm glad that you challenges inthe office that the site guys
won't see, but I'm like well forme.
Really.
Since COVID I found thatprojects are taking longer to
complete.
It's no longer.
Oh yeah, I can definitively saythis is going to be done in 10
months, in 12 months, in 15months.
It's like I need a biggercontingency now because things

(17:40):
aren't getting done.
Things aren't getting done andthat's a pain point for me in
the business.
I'm looking at it well, how dowe build quicker?
What's that gap?
What do we need to fill?
Is it better team?
Is it someone that's a gun thatI have to pay 200 grand a year
that delivers projects in ninemonths?
Or is it systems?
Is it procedures?
Is it everyone like we need tohave weekly meetings.

(18:01):
What is it to get that better?
And that's a discomfort in thebusiness at the moment.
For me looking at how wedeliver those projects sooner.

Robby (18:10):
So would you say, you're going pretty hard.

George (18:13):
At the moment.
Yeah well, we are Everyone's.
I feel like, again, the lastsix months been pretty hard for
sure, in the sense of how muchwe're working to get stuff done.
It's been a high-pressure time.
We've had two projects, twomilestone projects, coming to
completion, which has been agreat achievement.
So proud of the team.

(18:34):
Everyone's contributed, everysingle person has contributed,
to these two particular jobsgetting done.
But it hasn't been easy.
People work Saturdays.
They've worked overtime,they've had some guys work until
eight o'clock at night.
I've been here at 1.30 in themorning doing reports and shit
like that.
So it hasn't been easy.
But when you get to take a stepback and look at what you've
achieved and accomplished, yougo, okay, well, that was great.
But looking back as well, Ilook at that and go, well, how

(18:57):
do I do that better, moreefficient, more profitable next
time?
That's my next challenge andnext thing to look at, because I
could very easily say, okay,all right, we did it, let's move
on to the next one and not makeany changes.
That's the comfort level.
That's that person puttingtheir head in the sand and not
really fixing anything and justgoing project to project or
customer to customer and go oh,this is hard.

(19:19):
Building is fucked.
This is no good.
I can't believe.
No client pays on time.
Well, no, you need to put thosesystems in place to make sure
you're getting paid on time.
You need to put those things inplace to make sure you're
getting high quality trades,clients, suppliers, all that
sort of stuff.

Robby (19:36):
I feel like in the construction space, especially
like in there, that it's very.
You know, building is hard.

George (19:44):
Yeah, without a doubt.
Without a doubt, I play on thata little bit at events.
I play on that a little bit atevents because I'm trying to hit
pain points when I'm speakingto them.
But yeah, without a doubt, Ispeak to a lot of people, a lot
of people, throughout the day.
I was telling you, my phonedoesn't stop and I had a call
from someone from the buildingauthority the other day.

(20:05):
He wanted to come and do aninspection on one of my jobs.
I was like, yeah, no worries.
And we just started chattingfor like three, five minute chat
, just random guy, I'd neverspoken to him before.
And he's like, oh yeah, how areyou finding?
I said, yeah, good, we're verybusy, we've got lots on, and
it's always a challenge at thistime of the project, and so on
and so forth.
He's like, yeah, I used to be abuilder, and he goes, I'm out.
Now he goes.
I've been, he was a builder for30 years.
He goes.

(20:30):
It was just the worst, it wasso hard, it was the biggest slog
, and now I'm doing.

Robby (20:35):
Yeah, I think it's a very common, because most builders
most, not all, but most builderstend to be to come from like a
blue collar background, right,like they're a trade or they had
some sort of you know what Imean.
They've worked on site, they'vedone something along those
lines or have some sort ofhands-on experience Not all, but

(20:56):
I would say a large percentageand they always seem to have
that.
You know, oh man, like it'slike I don't know anyone who I
could go and be like theindustry's fucked huh, and
they'd be like no bro, it'sgreat.
This is sick, it's amazing.
I reckon every single person.
If you went there and you saidthe industry's fucked huh,

(21:17):
they'd be like, yeah, man fuck.

George (21:24):
You a person.
If you went there and you saidindustry's fucked, huh, they'd
be like, yeah, man, fuck, you'revery true, I'm dude, I'm
fucking talk to.
A lot of times I've had timesit's good.
Yeah, I've had time.
Me too.
I've had times where it's goodand you say, yeah, it's fucking,
we're killing it, we're doingreally well, and but then, yeah,
I've had times where I'm likethis is fun about, like even I
think that's what you're sayingis a general.
Thing.

Robby (21:38):
I'm saying as a general thing, like industry specific.
Do you know what I mean?
Even in the good times, Ireckon, when a builder's
crushing or just signed a newjob, you can be like industry's
fucked up, that's so true itwill.

George (21:54):
It's so true, dude.

Robby (21:54):
That's so true it's like always, industry's fucked up.
Yeah, it's fucking prices,supplies going up, blah, blah,
timber, blah blah.
You're like all right, dude,relax, you're here, you're in
love.
What gravity.
You know what I mean.

George (22:14):
Be grateful you get to do this.
This is an opportunity, dude.
That's the reframe I always use.
I ask for this, I get this isgood.
This is gonna be hard, man likewhen.
And I also genuinely believethat if you stick through these
difficult times at the momentbecause, you know, the last time
I was speaking to anotherbuilder again the other day,
from new zealand, actually shoutout to him because he listens
to the podcast, what's his name?

(22:35):
Uh, wade.
Shout out to wade, shout out tow and he's from New Zealand and
he wants to come to an event.
And he's like hey, listen toyour podcast, I want to come
down.
I was like, oh, awesome, mate,that's great Anyway, and we're
talking, he goes.
I've been a builder since 2009or 2008.
We started our business, and hegoes.
We hit the GFC, so we even.
And he was saying the same oldstory this is in New Zealand I

(22:58):
know it's very similar toAustralia, but still another
country and he was saying thesame thing he goes.
Yeah, we're breaking even.
And we had some really goodyears between there and then
COVID happened and now we'vegone back to zero again and he
goes.
I just feel like I'm he goes,I'm weathered, I just need to
start going again and I goes.
I want to reach out and havethat conversation with you
because I resonated with a lotof what you were saying on the

(23:18):
podcast and I wanted to get toreach out and have a chat.
But it's yeah, I think withthat as well.
As you said, it's a blue collarthing where they're very good
tradesmen and they're very goodpractitioners at what they do.
But then when they step intothat business world, it's a

(23:39):
whole new ballgame.
When you have to start thinkingabout payroll and tax and
suppliers and clients andprocesses, it's a completely
different thing.
You're not even.
You may as well go and like,fuck, I may as well go and start
a marketing company.
Do you know what I mean?
It's completely different fromwhat you were doing.
Yeah, talking cheese, you usedto build shit with a hammer, and

(24:03):
now you're not doing that andyou're doing something
completely different and you'reexpected to be a fucking gun at
it, or you think you'll get atit because you know how to build
.
And that's the problem.
This is not the same, and it'sprobably the same with every
industry too.
You might be a great fuckingbarista, make the best coffee,
and then you go and open up acafe and you're still making

(24:23):
great fucking coffee, but youdon't have stuff.
Yeah, and then the tillsdoesn't balance and then you get
bass and you're like what'sbass stand for?
What is bass?
I don't understand.
Why do I have to pay super andhow do I calculate that?
Does my accountant do that?
Who processes this invoice atthe end of the day, like how
does it balance out?
How do I reckon You've got tolearn all that shit?

(24:44):
And that is completelydifferent from making a fucking
coffee.

Robby (24:48):
Yeah, and it's um it's ignorance debt.
Yeah, that's right, it's not,it's what you don't know.

George (24:55):
You don't know what you don't know.
It's not necessarily your fault.
It is your fault if youcontinue to do that for 10 years
, if you continue to brush itunder and just get by.
That's the people that get introuble.
At the end of the day, they'rethe ones that are going.
Oh well, I'm in debt on this.
I don't know what to do.
I don't know how to price.
I've got bad clients, whateverit might be it might be.

Robby (25:18):
That's a funny word.
The same person who called melast night was talking to me
about the whole blah, blah, blah.
And I'm like cool, this is howtax works.
Bayg, blah, blah, blah.
So you need to go to accounting.
Now it's the end of thefinancial, it's finished, so now
you need to book with anaccountant.
It was his first full-time job,so he had never done any of
this Young, and he's like cool,cool.

(25:43):
He's like, um, oh man, I hope Idon't have to pay a lot of tax.
And I'm like dude, listen to me, I hope you do.
Yeah, I hope you do.
He's like why is it?
Because that means you'remaking money.
That's what it means.
It's simple as that.
And the government, the way itworks, the government wants to
take us.
If you're making a lot of money, the government wants to slice.
Yeah, and that's the way itworks.
The government wants to take aslice.
If you're making a lot of money,the government wants to slice.

(26:03):
Yeah, and that's the way thesystem works.
Okay, that's why we have cleanroads, that's why you go outside
and the air's clean and there'spublic toilets and blah, blah.
Yeah, that's how it works,that's how the system works.
Okay, and don't be afraid.
Like he had this fear of payingtax and debt, and he's like oh
yeah, but like you know, imagine, like you got to pay, you know

(26:25):
and he was telling me aboutsomeone else that he knows that
makes decent coins Like thatperson pays, you know, thousands
and thousands of dollars a yearin tax.
I'm like so what?
Yeah, I'm like dude, you can'tbe scared.
If you're scared of that,you're never going to get it.
Yeah, yeah dude, you can't bescared.

George (26:39):
If you're scared of that , you're never going to get it.
Yeah, do you know what I mean?
Just make your 18K a year.
You don't pay any tax.
How good will life be for you.

Robby (26:46):
Yeah, I thought it was a very, very funny conversation
no-transcript.
That's what I think happened.
How good.

George (27:07):
Was this a cousin?
Did you say, yeah, familymember.
Yeah, there you go.
Yeah, so you know, I once had amentor many years ago and he
was telling me he goes.
I hope my kids get taxed stupidamounts of money.
And I remember looking at himwhy?
Because if they're gettingtaxed, they're making money.
Yeah, he goes, that's good,because obviously you can
minimize your tax deficit.

Robby (27:27):
Yeah, it's tax efficiency .
There's ways to do it.
Yeah, but like the person whopays zero is most of the time
making nothing, most of the time, at least on paper.
Yeah, exactly they, at least onpaper.
Yeah, exactly they make nothing.
So tell me this half a percentincrease.
What does it change for you,george?
Oh, nothing at all.
Are you going to put yourprices up?

George (27:48):
Oh, I try to put my prices up at every chance I get,
really.

Robby (27:51):
I put it up every day.
Yeah, why not?
If you call me tomorrow, I'llcost more.

George (27:55):
Hopefully you're better.
You're better than you wereyesterday.
Yeah, look, my mentality isn'tso much how do I put everything
up a percent or do this or dothis.
It's just like oh, we'll lookat a project based off its merit
and I go this is how much moneywe want to make.
This is a difficult job.
This is an easy job, whateverit might be, and execute from

(28:15):
that as we put a markup beforeyou go.
As we put a markup I'm talkingabout the construction business
now but as we put up a markup onmaterials, goods, labor, all
that sort of stuff, we'regenerally more expensive or
making more money as a default,because if materials are going
up and labor is going up, I'mputting a markup on that

(28:36):
material and labor.
So, as a result, I'll make moremoney putting a markup on that
material and labor, so, as aresult, I'll make more money.
And then I just look atefficiencies within the business
and go okay, how can we do this, how can we move that?
How can I get that?

Robby (28:50):
Okay, let's go back to the super thing though.
All right.
So from last year, the lastfinancial year, to this one, if
you pay someone $100,000 a yearand you have to contribute an
additional half a percent totheir super, it's $500 a year.
That's right.
Okay, so it's $125 a quarter.
Yep, that you pay because supergets paid quarterly.

(29:12):
Did you do anything different?
Nothing, so what?
You seemed bothered by it.

George (29:18):
I wasn't bothered.
It was just the opening of theconversation with raise the
minimum wage and then super.
You know there's, I think.
Do you like super?
Do you think it's a?

Robby (29:28):
good thing for people.
Yes and no.
I think most people shouldlearn about it.
I think people don't understandit Without a doubt.
Yeah, and I think most peoplewouldn't even know how much
super they have.
Yeah, I and understand itWithout a doubt.
Yeah, and I think it is.
Most people wouldn't even knowhow much super they have.
Yeah, I think you should one.
I'm actually reading a reallygood book about this right now.
It's called I'll Teach you ToBe Rich.

George (29:46):
Yeah, cool, right, I'll check that one out.

Robby (29:47):
It's good and yeah, there's a lot of basic stuff.
Yeah, I find that with a lot ofstuff where I'm like he'll be
like, work out your expenses aswell, and it's like and dude,
like this guy's quite good, likehe talks about funds, he goes
into some complex stuff as well,but there's some levels of it
that are like super basic andyou're like dude, like if people

(30:10):
aren't doing like.
I know those like that's.
That was like it wasn't eventaught to me.
I kind of worked it out.
Yeah, kind of worked it out.
Yeah, do you?
know what I mean, um.
It's like, if people don't knowthat, like, let's say, the r
word, but you're not veryradical.
Yes, you're very radical,you're very I'm gonna use that
word every time.
Now you're, you're a bigradical, um, but do you know

(30:35):
what I mean?
And then i'm'm reading thisbook anyway and he talks about
all this and I think with yoursuper, there is a huge benefit,
like one you know tax efficiency, contributing to it prior to
everything happening, obviously,managed funds.
It's going to grow year on year, compounding year on year.

(30:57):
I think Einstein coined the term, you know, compound interest is
the seventh wonder of the world, eighth wonder of the world.
How many wonders of the worldare there?
At least 30.
31st wonder of the world.
But I think most people don'tunderstand it and I think the
downside to super is like youknow how you hear now and I
don't follow this too closely,but you hear like they're going

(31:19):
to start, is like you know howyou hear now and I don't follow
this too closely, but you hearlike they're going to start.
How do they save the economy,dude, if everything tanks, like
now with AI?
If everything tanks, how dothey save the economy?
They'll start funding everyoneand then they'll tax the rich,
yeah.
So then it becomes a thing oflike okay, cool, right now the
law is you're super tax-free Nowthey're about to change that,
yeah.
And tax-free Now they're aboutto change that, yeah.
And it's about to become like a,I think if you hit $3 million

(31:41):
you're taxed on anything above$3 million, which is the
downside, because all of asudden, you invested all this
money with thinking there are notax implications, thinking this
is all tax-free dollars and I'mgoing to get to pull it out
when I'm $190 because we'regoing to live that long, and

(32:02):
then, like all of a sudden, thelaw changes because it's so far
away, yeah, and there's nothingyou can do about it.

George (32:08):
And the way they probably see it is most people
won't accumulate $3 million intheir super, so again, they're
going for those wealthy peoplethat have the $3 million.
Yeah, I don't know how youwould If you.
I don't know how you would Ifyou.
If you, what do you mean?
You don't know what.
Sorry, surely you canaccumulate 3 million If you're
working a nine to five, probablynot mad in your working career

(32:30):
to make 3 million If you work.
If you work for 40 years, youshould get close.

Robby (32:35):
You should run the numbers, dude.
Yeah, I mean, it depends on howmuch you make.
It depends how much you'remaking If you're making like 70k
a year and 12%.

George (32:49):
Now you know what I mean .
On top of that, do you makeyour employment agreements
including FIBA?
Yes and no, I don't know, itjust depends.
I'll just look at it, becausefor me it makes no difference.
I, I've got to pay them.
That much money has to come outof my bank account.
Do you know what I mean?
It makes all the difference.
No, as in the figure, yeah, soif it's 85 plus super, well, I
don't look at it as 85 plussuper.
I look at it as what that totalthing is going to be is what

(33:10):
it's going to cost the business.
So I just calculate itwhichever way.
No, no, I can make justwhatever sounds better.

Robby (33:16):
So if I say it's a hundred including super, as
opposed to 90, plus when thesuper goes up it comes out of
their wage, not out of.
Does that make sense?

George (33:27):
Yes, I know what you're saying.

Robby (33:28):
So if your employment agreement is including super,
like this is your thingincluding super, yeah, so it's
like cool, the super comes outof that.
So when the super laws changesand it goes from 11.5 to 12,
we're just shifting a bit oftheir money.

George (33:40):
I know, yeah, no, I don't do it like that.
Yeah me either, I do plus, butyeah some people do.
I think that's againsmall-minded thinking like you
know what I mean, I'm going tosave 500 bucks this year.
You know what I mean.
So no, I don't know, I'd alwaysdo a plus.

Robby (33:59):
Yeah, fair enough.
Um, what was the same for that?
The super thing?
Yeah, yeah, I think, um, Ithink super is good.
Yeah, all in all.
Yeah, the downside islimitation of control yes, yeah,
that's, that's definitely it.

George (34:15):
Because, again, you can't access your super to do
things that you want to do.
You can't access it early.
I think that's great.
Yeah to a degree.
To a degree, I think there's atime you actually can access it
early if you need to.

Robby (34:27):
But the whole thing is like they understand people are
impulsive and will take it, soit's like, oh, we need to just
make it harder for you.
Yeah, super hard.
So it's like, if you need to doit, hey, pardon the pun.
Yeah, didn't even mean that.
Yeah, um, but he's here allweek.
Um, yeah, I think.

(34:48):
I think it's good all in all.
The only downside is the levelof control.

George (34:53):
I don't like yeah, you can have a self managed super
fund.
It doesn't matter.
Yeah, there's still levels toit, but you can do more with it.

Robby (35:03):
You're just investing instead of them.

George (35:05):
Yeah, that's right.
Yeah, that's not the element Idon't like.

Robby (35:08):
I think most people should not invest their own
money.
I think most people shouldinvest in funds.
Do you know what I mean?
I think Vanguard is going to doway better than, or Host Plus
is going to do way better thanyou.
Most of the time, 99.9% ofpeople, yeah.
And if you've got skills andyou can go and you can develop

(35:33):
or you follow business trendsreally carefully and you choose
to study businesses and do a lotof analysis and pick particular
stocks and things like that,sure go nuts, yeah, but most
people, nope, aren't going tobeat the thing.
But even if you're in an SMSF,if laws change and they say,

(35:57):
cool, like all of a sudden, nowanyone over a million, we're
going to tax you.
Yeah, you can't turn around andbe like, ah, no of a sudden, now
anyone over a million we'regoing to tax you, yeah, you
can't turn around and be like,ah, no, no, you can't, I know,
you know what I mean.
Whereas if you have your moneyin a different avenue or account
, you have a little bit morecontrol.
You can take it out wheneveryou want.
You can move it.

George (36:21):
Yep, yep, tax, that's right, that's right, good old
tax.
Yeah, I mean, look post-COVID,particularly here in Victoria as
well.
Like what you said, during hardtimes they'll give handouts and
whatnot, and they did thatmassively here, massively.
It's Australia, that'sAustralian.
Our debt's huge, particularlyin Victoria, though, like

(36:41):
Victoria's debt's fucked.

Robby (36:43):
We have one of the best like the bottom.
If you look at thesocio-economical.
Like the people at the bottomlive a decent quality compared
to someone.
Yeah, oh, dude, I reckon wouldbe like top five.

(37:06):
There would be very few placesthat offer as many subsidies and
you know America's not thatgood.
Like the people at the bottomof America struggle.
You know what I mean.
And whereas in Australia you'relike you kind of get spoon fed
a bit.
They look after you yeah, whichis nice.

(37:26):
It also makes you comfortable.
Yeah, absolutely.
But it also allows you to takerisks and say cool man, worst
case scenario.

George (37:35):
I got this fail safe.

Robby (37:36):
Yeah, worst case scenario , I'll be like these guys, we'll
make it happen, yeah.

George (37:43):
Yeah, absolutely so.
You're going out there andgoing to look at employing more
people, or are you worried aboutyour minimum?

Robby (37:53):
wage Super increase.
No, I'm going to start sacking.
Start culling yes.
Start culling.

George (38:01):
But look again in that you say start sacking.
It is resource based as well.
What?
Do you?
Mean as in if you now lose 10clients, you lose 10 clients and
the foreseeable future doesn'tlook like you're getting anymore
.
You've got to make thatdecision whether you start
getting rid of people.
You're not going to pay them tosit there and look pretty and
go.
Oh well, soon we're going tostart having clients again, but

(38:23):
in the same token, if you getanother 10 clients, well, you've
got to put people on.

Robby (38:28):
Yeah, I think there is a.
If you lose 10 clients at once,you've done something wrong.
You are, in some ways, you'velet yourself down somewhere,
whether you're aware of it ornot, but you've dropped the ball
.
You just got to pick the ballback up.

George (38:52):
Absolutely.
But yeah, because I always lookat our current projects and
what we've got on and how we'regoing to deliver those.
And there's times when you aretop heavy, I believe or for me
personally anyway because we'llhave projects finishing.
Then we have new ones starting,like right now we've actually
got two projects finishing butone starting.
So it kind of balances us outagain.
But then I need to forecast andstart looking in the future,

(39:14):
and this is what you're saying.
You've got to plan for that.
You've got to plan for that.
I know towards the end of theyear we're going to finish
another two projects, so we thenneed the next two or three
projects to kickstart so we canget moving with everything as
well.
And yeah, that planning andthat foresight and forecasting
is massive in any business, notjust in what we do, but in any

(39:34):
business.
I think you've got to belooking towards the future and
seeing where it's all at andwhat you need to be doing.
For sure.

Robby (39:40):
Yeah, otherwise, what are you doing?
What are you doing?

George (39:45):
excellent, excellent, um .
Do you reckon employees arepumped that they got an extra
five, half a percent?

Robby (39:55):
Did you ever notice that when you were an employee?
No, no, never, I didn't evenknow what the percentage of
super I was getting was.
There you go.
I didn't.
You don't know.
You're just like you don't evenknow how to check your super
half the time, yeah.

George (40:07):
Or how many funds you have or who you're with at the
moment.

Robby (40:10):
Yeah, it was, or who you're with at the moment.
Yeah, it was also.
No, I knew who I was with, butit was also.
It wasn't as easy, like itwasn't.
Now, if there's an app on yourphone, you can look at it every
morning if you want, whereasback in my day you couldn't.
You'd have to like having anaccount online wasn't a common

(40:32):
thing, wasn't a thing?
Yeah, yeah, it wasn't like.
Yeah, account online wasn't acommon thing, wasn't a thing?
Yeah, yeah, it wasn't like yeah, he said what's their website?
How do I find it?
And then you go find theirwebsite, log on and what's my
password?
You know what I mean?
It wasn't all the passwordShout out to Keeper Dude, what
an app.

George (40:47):
You like it.

Robby (40:48):
Ah, it's good.

George (40:49):
Live off it.

Robby (40:49):
Me too.
But yeah, there wasn't allthese password accounts to
manage all the different logincredentials you have.
So yeah, it's definitely moreaccessible now than it was back
then.
But no, I don't think do.
I think employees are pumped.
I think most employees want toknow.
Let's find out this morning.

George (41:09):
Go ask them all.

Robby (41:10):
Guys, I would be Group huddle, I reckon.
I reckon one person might knowIn our team, like in here the
whole office.
I reckon one person might knowoh interesting, yeah, we'll ask
after this.
Yeah, as soon as we wrap up,we'll go ahead and we'll ask
everyone.
I reckon no one will even know.

(41:37):
I don't think it changesanyone's life.

George (41:38):
It doesn't change what you do at all in any way.
Yeah, exactly, exactly, right.

Robby (41:42):
The question is will it go up another half percent?

George (41:45):
Yeah, at what point is it going to go up or down?
Yeah, I think so.
Yeah, I reckon the whole reasonfor super is to navigate that
after employment life and forpeople to be living and not

(42:06):
being on, you know, benefits, onthe dole or whatever it might
be, on pensions and stuff likethat.

Robby (42:11):
I think it's a great thing.
Yeah, I think so too, whateverit might be on pensions and
stuff like that.
I think it's a great thing.
Yeah, I think so too.
I think it's great thatAustralia makes it mandatory.
Is it mandates?
Is that the word I'm lookingfor?
Yeah, you know what I'm tryingto say?
Something they make it.
It's a, it's compulsory.
You can't not pay super.
Yeah, they force you to putmoney aside for your retirement.

(42:33):
Yeah, I think that's great.
I think most people wouldn't doit.
I think if you left it to theindividuals and I'm sure if you
looked at past history, you'dprobably see that I think most
people wouldn't save that money.
They wouldn't keep it for later.
Most people can't think in thelong term.
You know what I mean.
Let's live for now.

(42:55):
Yolo, you know they say YOLOand it's like make them do it,
force it, force it down theirthroats.
Yeah, I think most peopleshould invest way more than they
do.

George (43:03):
Oh, without a doubt.
Do you think you should investmore, like you personally now?

Robby (43:10):
I, I I am.
Do you think you should do more?
I've literally, literallyramped it up as I read this book
.

George (43:24):
There you go.
That's great.
So the book's influenced yourdecision on what you're doing.

Robby (43:28):
Yeah, it was.
I was already doing it, but itwas kind of like I should
automate this.

George (43:34):
Yeah, yeah, that's good, like a dollar cost average type
thing.
So putting in an X amount ofdollars per week, per month,
whatever.

Robby (43:42):
Yeah, like, just make it, you ever sign up to a new
subscription, you survive, right.
Yeah, just add a newsubscription.
Yeah, do you know what I?
Mean.
Whatever it is Like, even ifyou can only do $20 a week or
$100 a week or whatever you canafford, put something and just
have it automatically and then,as you can increase it, increase
it, yeah, and it's like theimpact that will have later is

(44:07):
phenomenal.

George (44:08):
Yeah, my word, my word, very cool.
Yeah, I think having aninvestment strategy is a whole
topic in itself.
I think that's definitely onething, and my dad's massive on
that too.
He's always harping on about itto me and saying you've got to
make money when you sleep.
Make money when you sleep,don't just work for a job and do
that.
He goes.
Business is a great tool, Ibelieve, to make wealth and

(44:30):
generate some money, and thenit's about using that money to
then invest it and go do otherthings and expand 100%.
Yeah, but got to get to thatpoint where you're making money,
your business is making money,and you guys need to understand
the fundamentals.
And if you don't read books, goto courses, connect with people
, call a brother, cousin, sister, brother, father, whatever

(44:53):
whoever it is call them.
If you know, someone knowssomething more than you that can
teach you something about tax,that can teach you something
about business.
Have the conversation and it'snot that hard these days.
You can jump on social media,you can jump on YouTube.
You can educate yourself on thefundamentals, basics.
Oh man, you can fucking jump onChatGPT and just ask it the

(45:13):
question.
Hey, explain it to me like I'ma five-year-old how does the tax
system work here?
This is how much I'm making,this is how I'm going to do it,
this is what I'm thinking, andjust explain it to me and then,
as it spits stuff out, you canask more questions and ask more
questions and go by the way,here's my last pay slip.
What should I do with it?
And even though it may not bethe best advice as far as what

(45:35):
it gives you, it can still getyou thinking Okay, yeah, that's
good, that's good, maybe I'll dothis, maybe I'll do this, maybe
I'll speak to this accountant,and so on and so forth.

Robby (45:45):
So it's your responsibility as a business
owner to not be a practitioneranymore you know, when I was um
back in the hell those, I boughta book called small business
for dummies.
Oh yeah, yeah, those yellowbooks, those yellow books.
Yeah, I think they're greatyeah well, they've sold millions

(46:08):
upon millions of copies.
Um, it's just like it's the mostsimplified version of.
I think there's one for Super.
Yeah, it's like simplifiedversions of how it works,
understanding how things work.
Yeah, they're not easy to read.
You would think they would beas well.

(46:31):
Yeah, maybe I just wasn't.
That's a good reader.

George (46:37):
Could be that.
Excellent, excellent, well,another episode down.
Thank you so much for tuning in.
The problem isn't theseincreases in super.
If you're stressed about it, itisn't the increase in minimum
wage.
The problem is your attitude.
It's your ability to understandthe game and to rise above it.

Robby (47:04):
So that's what you need to do.

George (47:05):
Perspective.
Yeah, absolutely Awesome.
All right, thanks for tuning in, guys.
We'll see you next week, asalways.
Hope you're having amillion-dollar day and I'm sure
Robbie wants you to pass this onto your mother.
I do 100%, 100%.
Look, he doesn't have a thingfor mums, he just wants your mum
to do well.

Robby (47:26):
Yeah, and it's for you, it's for you, that's it.
Awesome.
Thanks a lot guys.
Speak soon.
Thanks everyone, yeah.
That's funny.
Phone's blowing up, huh.

George (47:57):
I don't even know, like fuck, I hate cunts.

Robby (47:59):
I'm talking.
You seem like you got a lot ofshit on your mind um, I'm just,
I'm really close to finishingCurve.

George (48:05):
Al, I feel like you were saying that for like oh man,
I've said it for like six monthsCurve Al.
I owe me 900 grand at themoment and it's fucking annoying
900, 900 grand, yeah, exactlyand, and it's fucking annoying
900?
900 grand, yeah, exactly, andI've got like fucking I haven't
paid me yet.
No, but are they like?
This has been difficult, dude,like I've got to call the
director Are they doing a shiftyno, like just trying to claim

(48:26):
that they're not?

Robby (48:26):
Are they?
Is it going to come through?
Is this time?

George (48:34):
Yeah, it's time.
Yeah, it's time, it's time.
Yeah, and it was supposed to bethis week and it's not.
And then I just spoke to I wentmet simon yesterday and he's
like, oh, he goes, they're notgoing to process it till next
week and he goes, it probablywon't hit your account till
monday week.
I'm like monday week, bro, I go,I fucking haven't paid trades.
I go, people are going to walkoff the job and I'm not going to
get them back.
Do you understand?
Like, how do you want me tofinish a fucking project without
money?
I haven't been paid.
How you like?
You want me to come here andwork every day.

(48:55):
We haven't been paid.
I've got to need this coin.
You can't, you can't fuckingaround.
I'm going to call the boss now,uh, this morning, and say
listen, you've got to release atleast half of it this week.
I don't want to wait tillmonday week to get paid now
because I fucking, I've bentover backwards to get black
street for you finished,finished.
It's fucking there.
We've done everything wepossibly can.
It's in it for them.

(49:17):
Why do they not?
I don't know, it's just fuckingprocesses or some shit like
that.
They're just unorganized cuntsthemselves.
You know what I mean.
But what frustrates me is itmakes us look unorganized too,
because we're not paying ourtrades, haven't paid half these
cunts.
They're all messaging usfucking 24 7.

(49:39):
You know where's our money,where's our money.
So it's waiting, mate, I'mwaiting.
Normally I would pay, but it'sjust too much.
It's too much to fucking paycunts, you know, and I'm fucking
cash flowing.
Their business not on.
It's bullshit.
Yeah, that's fucked, it is it'sfucked.

Robby (49:48):
It's stressful it's fucked.

George (49:49):
It is it's fucked.
It's stressful.
It's fucked on both sides.

Robby (49:52):
It's like now we've even got that with CD construct and
it's like he's not paying usbecause he hasn't received money
from a job.
And I'm just going to tell himlike, hey, man, it's not your
problem, it's not my fuckingproblem.

George (50:03):
Yeah, I know the trades just say the same thing, which I
agree to, but at Say Curve Al,go broke tomorrow.
I'm fucked.
I'm coming to work and applyingto a job at OneCliff God bless,
sick, make some fucking seriouscoin.
But that's, it's not going tohappen?
It's not, they're fuckingmultibus Curve.
Al's done it and they've paidevery single bill to date.

(50:24):
Do you know what I mean?
They're not that way in clients, but it's.
Yeah, it's just frustrating,dude, frustrating.
So, anyway, working throughthat shit, I can't serve fucking
messaging and calling.
Okay, also, these front doors,they are temporary or not, I'm

(50:45):
going to need to get them.
I don't know what this cunt'son about.
Hey, how are you?
Sorry, just go through it.
Yeah, go through it.
I can't really get your message.
And what jobs are for?