Zach Sprunger discusses his journey as a State Farm agency owner in Greer, South Carolina, since 2020. Early expectations and the mindset he had going into the business were not actual reality. He shares insights on reinvesting in his business, facing and overcoming obstacles, and the importance of leaning into support systems. Zach also delves into lessons learned from partnering with larger brands and the significance of community and accountability in personal and professional growth. Zach opens up on the value of confession, repentance, and having the right partner in life. Lastly, he provides his perspectives on future investment strategies outside of the business.
Zach Sprunger - LinkedIn
00:00 Introduction to Zach's Journey
00:14 Starting a State Farm Agency
02:00 Challenges and Lessons in Sales
03:37 The Importance of Partnerships
05:58 Reflecting on Business Growth
07:16 Navigating Business Uncertainties
10:23 Balancing Business and Family Life
16:24 The Role of Community and Faith
20:15 Struggles and Mistakes
21:32 Turning Point and Realization
22:49 Confession and Repentance
27:05 Family and Fatherhood
29:58 Investing in the Future
36:38 Conclusion and Contact Information
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 5 (00:00):
There is no separation between work life and
(00:02):
home life.
What happens at work?
You bring home.
Speaker 3 (00:05):
Exactly.
What happens
Speaker 5 (00:05):
at home?
You bring to work.
Speaker 3 (00:06):
Exactly.
Speaker 5 (00:07):
And work is a part of our lives and home is a part of
our work.
Yes.
And all of that.
Speaker 3 (00:11):
Yes.
Speaker 5 (00:11):
And you with you.
Speaker 3 (00:12):
You really can't win at one.
you don't just take off the workhat and you definitely don't
take off the dad hat.
If I'm not winning, if
Speaker 5 (00:20):
I'm not winning at home, work is empty.
Speaker 3 (00:23):
Yes, exactly.
It's like, yeah,
Speaker 5 (00:24):
what's the point?
There, there's, there's apurpose that the whole, our, all
of our lives are centeredaround.
and work is a gift.
Work is a part of that, but wework in order to.
Provide not just to work rightthat whatever trophies or
paycheck.
I bring home is meaningless ifthere's no one to enjoy it with
(00:46):
on earth or Have everyone toenjoy with on earth, but I don't
work hard And I don't have theability to provide that creates
really rough home life like theyhave to coincide
Speaker 3 (01:41):
So that actually brings in a perfect introduction
to, Zach, thanks for joining theInvested Fathers today.
Speaker 5 (01:45):
Yeah, absolutely.
Thanks for having me.
Speaker 3 (01:46):
Tell us a little bit about what you're up to.
I always like to start the showwith, bring us into what you're
up to business wise.
and even to the point of whatyou're up to today.
Speaker 5 (01:54):
Yeah.
So business wise, I've got astate farm agency in Greer,
South Carolina.
not really that creative of aname, just Zach Sprunger state
farm.
So, um, been doing that since2020, always been in sales
pretty much.
My entire professional career.
this is super exciting spot forme to be in with the agency
because I get to coach saleswith, with employees, team
(02:18):
members that we have, while alsostill being in the mix, like
very, being very hands on.
So it's young.
We just started year five abouta month ago, two months ago I
guess.
so yeah, we're moving though.
We're moving.
It's been good.
Speaker 3 (02:31):
Five years is not a short time, but I know there's
probably a long road to go inregards to what it could be or
how you're growing it.
Speaker 7 (02:38):
it,
Speaker 5 (02:38):
I set this target out of Hey, for the first five
years, I'm going to, I'm goingto reinvest a lot back into it.
So whether that's hiring a new,Team member, man, reinvesting
for marketing infrastructure,right?
Systems processes, reinvest,investing, and all of those
(02:59):
things with the goal that, maybewe'll start getting to draw a
little bit of that soon.
that would be awesome.
It's been a, it's been fiveyears of reinvesting a lot.
So I'm excited to get to yearsix.
Speaker 3 (03:12):
I think a lot of business owners out there can
resonate with.
That's feeling of, when is thisgoing to pay off and the systems
and processes and hiring, I, Iknow there's a lot of business
people who have started theirown thing listening.
and maybe they're further alongthe year, maybe they're on the
front end to the person who'smore on the front end.
what has been like one of thebiggest lessons learned or,
(03:34):
maybe biggest obstacle,something that's really moved
the needle.
that you didn't know before whenyou were just getting started.
Speaker 5 (03:41):
There's been a couple things in my career, not even
just starting the business, butlike in, in sales, when I
started in sales, I thought,people that go into sales aren't
good at anything else.
So they get put in sales andthat was just flipped on its
head.
So I, since then I've justrealized like these expectations
that I have for something orthought that I have on something
(04:01):
and the way that I view it isnot reality.
And.
A lot of things are gettingflipped on their head.
So it went through this processof me trying to figure out what
do I want to do?
And I knew I didn't want to justgo to work every day, collect a
paycheck and go home.
And that's a fine thing to do.
I knew I wanted to do somethingthat involved a little bit of
(04:23):
risk that involved creativity mecreating processes, all that
stuff.
and then for a minute I felt ifI go to state farm, that's just.
Me hiding behind a corporatebrand and I'm not gonna create
my own business and I've learnedthat Partnering with a company
(04:44):
like State Farm or if you'restarting a business and you're
creating a widget findingsomebody that Creates a little
bit of shade, but you can alsolearn and grow from is huge that
I thought I'm just gonna go outand start my own Independent
insurance agency and we're goingto do whatever we want to do,
(05:04):
however we want to market.
And I've just quickly learnedhow valuable it is having the
support of a company like StateFarm.
And then even the network that'screated.
so I would just say if you're onthe front end, lean into as much
support as you can.
(05:25):
don't feel like this is mycompany and I have to do it.
I'm not saying enter a, enter a.
Harmful partnership.
I don't you know, I'm not sayingthat I'm just saying find a
group that you can maybe latchon to That is going to support
and help maybe The net revenuegoes down a little bit, but what
(05:48):
you gain out of that isenormous.
Speaker 3 (05:50):
I Love what you're saying.
I think one of the biggestbenefits you would get from that
is while you're still figuringit out the time element of
figuring things out is quicklyexpedited And I don't know what
age everyone feels like theyshould start their own business
(06:11):
but the earlier years are I feellike the most important years to
be not buried under 80 hours ofwork and just trying to figure
out what this thing should be.
So I talk a lot aboutsyndications on the show and how
does someone who doesn't maybehave this.
Speaker 8 (06:30):
track record
Speaker 3 (06:31):
how do you buy your first apartment complex?
Speaker (06:32):
Yeah, I
Speaker 3 (06:33):
mean, that, that question right there,
Speaker 8 (06:35):
cash.
So
Speaker 3 (06:36):
rather just take a huge risk because you have money
and you hope, I figured you hadto do everything,
Speaker 4 (06:40):
right.
Speaker 3 (06:40):
Or you partner and you find these guys that have
done it a thousand times or,whatever, 15, 20 times.
And you just get on their team,figure it out, learn along the
way like you're saying.
So I think that concept ofpartnerships.
And learning and growing, andsquashing that fear of what
partnerships I'm giving up someof the proceeds.
I think that's a very toxicmindset.
So
Speaker 5 (07:00):
I think it limits you.
Yeah.
It really limits you.
It only allows you to grow toyour capacity.
and they're like, I don't know,like the envelope system isn't
going to get your firstapartment complex, I'm saying
like Dave Ramsey's system isn'tgetting you that.
So there is a risk that has tobe involved.
And I know he's talking to adifferent demographic, right?
But if that's the way I wasingrained and I'm not going to
(07:23):
let myself open up to learnanything else, I'm limited.
I'm very limited.
And if I set myself to, if I putmyself in a situation that I'm
never going to be able to changemy mind.
That's just as toxic.
yeah, so yeah, that's
Speaker 3 (07:38):
being open.
and then just to kind of in away wrap up the business side,
not that we're going to leave itcompletely, but in the five
years that you've been growingthis thing, how do you feel the
businesses today in regards to,The returns, not necessarily
financially.
like I, whatever you want toshare there, but just in how
you've developed and grown andseen this thing,
Speaker 8 (07:59):
this
Speaker 3 (07:59):
baby of yours, mature, have your expectations
been met on where you werehoping to be?
Pretty much
Speaker 5 (08:05):
exceeded to be honest.
we had a goal.
we just started year five and Ihad a goal that at the end of
year five, but we would considerlike the property and casualty
book.
I had a certain mark that Iwanted to be at.
but like we basically hit thatmark that I wanted to be at the
end of year four.
We got a, we had a Massive jumpin quarter one of your four.
(08:28):
Oh, okay.
That finished the year.
I see where we wanted to be atthe a year ahead of schedule.
Okay.
So now this year, in a way, Idon't want to consider it like,
oh, it's just gravy.
But it is when you look at likethe business plan that was set
out for five years.
Yeah.
And part of that was itcompletely out of our control.
We just came into this timewhere it was like milk and honey
(08:50):
was State Farm.
you ran a quote, and they werelike, I want it.
let's do it.
And they're like, oh, okay.
And we were just shooting fishin a barrel.
Um, and you, then you look atlike God's providence and the
way that things just line outthat you didn't even see coming.
Like quarter one of 24, we had abig jump, things just
skyrocketed.
Then quarter two, it leveledout, June and July hit of last
(09:12):
year.
And it went like hard stop.
Speaker (09:16):
Oh,
Speaker 5 (09:16):
hard stop.
Like state farm was clampingdown on new business that they
wanted.
And they were like, being verystrict on renewal business.
they weren't like cancelinganybody in the middle of a
policy, like what everybody'stalking about in California.
That's not true.
they were saying, Hey, in 12months, we're not going to renew
the policy.
So we were just getting a ton ofthose.
(09:37):
And, the whole state was gettinghit with just this fluctuation
of premiums and rates and what'sgoing on.
And so it was weird, this liketime of Panic, right?
Where for the first time, forall four years, it was out of my
control.
But for the first time I feltlike it was out of my control.
I wasn't influencing things.
And that six months of lastyear, right?
(10:01):
The second six months of lastyear just fell into this kind of
like tizzy panic, freak out ofOh, what are we going to do?
Like we gotta make thingshappen.
yada.
And, the progress, Came to ascreeching halt, but the overall
like growth of the team came outreally strong.
(10:24):
Awesome.
I got like we, we started thisyear.
Things have opened up a littlebit more and they battled
through a really difficult timethat was out of control.
And now they've started thisyear and.
we, back to back months, we'vehad the two best months we've
ever had in four plus years ofagency.
Speaker 3 (10:45):
Excellent.
Speaker 5 (10:46):
It's like the really tough time led to their growth.
And, I, this hasn't, thisdoesn't answer the question, but
I look back on it too, and itwas weird where That was my time
as a leader, that I had, I madesome mistakes, probably showed
too much panic.
I think leaders, it's okay toshow emotion.
I think you, you do have to bevulnerable, put your heart out
(11:08):
with where you're at, whatthey're doing, what the team is
doing, how the business isgrowing.
but I learned
Speaker 7 (11:13):
that
Speaker 5 (11:15):
my panic is going to be exponentially resembled in
them.
Speaker 2 (11:20):
Yeah.
Speaker 5 (11:20):
That seeing the team grow and myself, but seeing the
team grow and develop has been.
Awesome to now get to this yearand watching them thrive.
Speaker 3 (11:29):
That, that is, that was part of the question.
I really feel is where have youseen that growth and being
vulnerable to even say, I feellike I made some mistakes
actually on how I handled thisand you're with your team who
is.
they're not robots, so they'regoing to see what you're doing.
They're going to feel whatyou're doing.
and I would hope that theresiliency that has been shown
(11:51):
through the valley of thedrought business, is making
everyone stronger on the teamand just making that more of a
family, culture of Hey, we're inthis together.
yeah.
yeah, it's been fun watchingthat happen.
maybe we can switch then to theparent parenting personal side
of life because.
These investments that we'redoing in the business definitely
(12:13):
don't stop when we go homebecause if you're making a big
move or there's a bad.
Couple of months in thebusiness, you're going to be
affected and you can't justchange yourself when you walk
through the door and your kidsare there.
So tell us a little bit about,first off, how many, how many
kids do you have?
Do you have, you have kids,right?
Speaker 5 (12:29):
Yeah.
Yeah.
Yeah.
We do.
Two little girls, two littlegirls.
We're done.
Okay.
We're done.
The second one is absolutely.
wild.
she is on like level 10 fullthrottle, 24 hours out of the
day.
even when she's sleeping, she'sjust, she's crazy.
So like number two, we werelike, we're done.
We've did it.
(12:51):
we had two kids and obviously awife.
Yes.
How long have you guys beenmarried?
17, 2017 we got married.
Speaker 7 (12:57):
Um,
Speaker 5 (13:01):
Um, and that's been fun.
I'll tell you the, the kids areone thing.
But marrying the right woman.
Speaker 3 (13:09):
It's huge.
Speaker 5 (13:10):
Dude, I did not know how valuable that would be.
She We're not, I'm not sittinghere talking about the state
farm agency resilienceleadership.
I'm gonna talk about any of thatif it's not for her.
There were so many times Iworked at Jeff Darr's office
starting out and there was justso many times I was like, what
am I doing?
Like I'm not even guaranteed toget an agency.
(13:32):
I'm just going to quit and gowork at Michelin, which is a
great place to work, make apaycheck for the rest of my life
and be done.
And she was like, no, like we'restaying in this, we're going to
do this.
She was the
Speaker 2 (13:43):
driver.
Speaker 5 (13:43):
She was the driver.
Speaker 3 (13:44):
That's a
Speaker 5 (13:44):
hundred percent.
so marrying the right woman andthen that makes it easier to
come home and battle throughsome of this.
You're like, no, we've got it.
We've already been throughcraziness in the past.
We're fine here.
So you walk through the door.
It's not perfect.
I don't walk through the doorand always love like the chaos.
(14:06):
What, you know, especially whenwe got through.
Yeah, it's crazy.
It is crazy.
When we went through thehurricane, September 27th
through the rest of the year wasjust this very hectic time heavy
time for me and walking throughthe door.
It was sometimes I was likefrustrated oh my gosh, you guys
(14:29):
like nobody talk for 10 minutes.
Just nobody talk.
And then other times I'd walkthrough the door and it was just
like this sigh of relief thatlike.
But my kids are here like myfamily's here, right?
And I think that I've got togive myself grace on both of
those that if I walk through thedoor and I have a bad Reaction.
(14:50):
I'm human.
It's gonna happen as a leader.
I'm human and it's gonna happen.
So if I'm gonna lead my familyWith the same importance that I
put on leading my business, thenI've got to be vulnerable with
my kids and my wife I've got tobe able to sit my four year old
down and say hey dad was wronglike when I Got upset at you
(15:13):
because you asked the samequestion 12 times and I wasn't
answering and then I snappedLike dad was wrong and like in
the moment.
It's no, I'm not wrong,
Speaker 4 (15:21):
right?
Speaker 5 (15:22):
Just, if I'm not answering, shut up.
Just stop.
Stop asking the question.
I don't know why Bluey is blue.
I don't know.
That's how they made him.
That's why she's a blue dog.
and, I just gotta stop and belike, no, I need to take
ownership of it and apologize.
And I think Leaders, dads,husbands, whatever, if you're
(15:42):
single and you're leadingsomewhere, leaders run to their
mistakes.
They don't excuse them, right?
We're not, as a leader, I'm notpassive towards the areas that
I've made mistakes.
And even if it's so small, oreven if I was justified, I don't
run from it.
I own it.
I run to it.
I own it.
(16:03):
and I don't shift the blame oncircumstances.
I don't shift the blame on, I'mgoing through a hurricane and
I've got all these claims andthese people are homeless.
of course I'm going to befrightened.
no.
that's not Lila's fault.
Speaker 4 (16:13):
Right.
Speaker 5 (16:14):
That's not Franny's fault.
Speaker 4 (16:15):
Right.
Speaker 5 (16:16):
They need their dad to own it and apologize.
Not be perfect.
I'll be perfect.
Like I'm gonna give myselfgrace, but I'm going to own it
and lean in on it as quick aspossible.
Speaker 3 (16:26):
Huge.
The, the theme of forgivenessbeing, and it's, I think it's,
especially with our kids.
I feel like, I'm apologizing toa four year old, really?
Like they don't know anythingabout what's going on, like you
said.
But, I think there's, I get so.
So excited when they model ourbehavior.
So if we are, this is whatstaunch and you don't understand
(16:49):
making excuses, they're going todo that.
Speaker 4 (16:52):
Yeah.
Speaker 3 (16:52):
If you're able to admit faults, calm down, be
vulnerable.
I've just seen that with mydaughter, who is the.
just crazy one at our home whowas, almost four and, it's
testing.
Cause my son is the oppositewhere he's like just obedient
and in every way it seems likeit's just it's not perfect, but
(17:12):
yeah, the easy first born.
but he also has, some thingsthat we're working on with self
confidence and in a way beingassertive when someone does
something wrong and I just gowith it.
So it's all good.
and this is a space where.
I want to
Speaker 8 (17:25):
give
Speaker 3 (17:26):
give encouragement to my dads to say, Hey, you can be
killing it in the office andjust crushing, numbers and work,
or things are really hard rightnow.
However, you cannot just hang upthe hat of Being the leader at
home.
Speaker (17:40):
So
Speaker 3 (17:40):
it's really cool to hear.
Have you seen any other,parallels or aha moments of
being a businessman, businessowner.
I love to hear that your wifesupports you and has been like a
just huge supporter along theway.
But, things that you've seen andhave worked on at home that have
shown some fruits or, returns.
Speaker 5 (18:03):
I would say this is home.
Yeah.
And community, this is going tobe pretty vulnerable, but going
through last year, and in 2023,
Speaker 7 (18:15):
2023,
Speaker 5 (18:16):
right, so we're kind of dating this year, from right
now.
Two years ago, we had the bestyear ever.
So qualified for this level oflike agency award.
That doesn't happen often inyear three.
So when we met that, we had a
Speaker 7 (18:35):
just bang
Speaker 5 (18:36):
out year, just massive year.
And I quickly went from thisprayerful, dependent, like, I
need your, your, there's only ahappen, Lord, if you let it
happen and say, we went frompraying for an agency and God
met everything we prayed for,like literally every single
(18:59):
thing we prayed for.
He like.
Blessed it and made it happenand then in a matter of three
years, two years, basically, Ihad completely shifted and it
was like, man, I got this, lookat what we just qualified for,
Speaker 4 (19:10):
right?
Speaker 5 (19:11):
We're the best.
I'm the best, right?
My processes are the best,right?
I'm doing all this in 2024 hitand I was.
the ruler.
And as a business owner, nobody,I reported to no one.
And the way State Farm is setup, I'm not a franchise.
I am my own business.
(19:34):
If they're running a special, Idon't have to run it.
If they're running a promotion,I don't have to run it.
I, Can do whatever I want,obviously within legal fines,
you know, but like, that createdthis sense of maybe autonomy
that just wasn't real that likeI'm in charge and I'm in
control.
I'm in power and Just somereally hard things came out end
(19:59):
of last year that you know we asa family were working through
the all this stuff was just likecame to a head and came to a
point and I realized just thevalue of you said working at
home things that you've seen inparallel the value of Community
as a business owner and thevalue of people that are gonna
(20:21):
be honest with you and real withyou especially as you're if you
really are trying to be abusiness owner that is faithful,
hardworking, honest, you'retrying to do all those things,
if you're not a believer, thisprobably doesn't resonate, but
if you're a believer, that is abusiness owner, you've got to be
put yourself under some sort ofbiblical.
(20:43):
Authority somewhere somehow andI had removed all that.
So I got very lonely, but waswinning on the outside.
I was winning those very, verylonely.
I know community kind of tookourselves out of church when
Franny was born.
Things were just hectic andexhausting and she had some
(21:03):
health issues and we were.
Just tired, we don't have timeto go to church, and so we
didn't.
And then I lost touch withbiblical friends that were
keeping me accountable with allthat, and that having no
authority, and me being incharge of all of it, found
myself
Speaker 7 (21:18):
like
Speaker 5 (21:20):
Not wasting money per se on like gambling or anything
like that, but just being dumbwith money.
Like I, the example that I giveall the time is I bought a John
Deere greens mower.
So we moved and yeah.
Sounds like a good mower.
I have no idea how to use it.
Like it's this like few thousanddollar mower.
I have no idea how to make it.
(21:41):
So I figured it out.
And I like, well, let's just seehow it goes.
I mean, dude, I'm telling you,it is a professional machine.
It's not for residential use.
the thing nicked a piece of,like a little rock
Speaker 4 (21:51):
bent
Speaker 5 (21:52):
the blade.
So it's just been sitting in mygarage.
I can't sell it.
Cause it's got a bent blade andthose are like 400 to replace
just the blade.
So I'm like, what are we doing?
So anyway, I just, I.
You started to become ruler ofmy own life, my own heart, all
that stuff and led to just dumbdecisions.
Speaker 2 (22:08):
Yeah.
Speaker 5 (22:09):
Dumb decisions.
Yeah.
Kate, I wasn't leaning on Kateto help me make decisions.
I wasn't leaning on community orfriends to help me make
decisions.
And dude, yeah, I bought themower.
I made an absolutely terriblehire.
Terrible hire.
During that time.
just mistake after mistakeshowed itself.
And so I think a parallel thatI've noticed is you have just
(22:29):
And you've got to seek it.
You've got to push yourself intobiblical authority and into
community aggressively,aggressively.
Speaker 3 (22:38):
Thank you.
Zach, that's a great story.
I'm sorry you went through that.
However, it sounds like afterbeing brought low, You've
realized your faults of thecommunity aspect and are on your
way up.
Can you even go a little deeperon, on that so like the mower,
the bad hire, probably somedisconnected home sounds Oh, a
(22:59):
time.
Speaker 5 (23:00):
Yeah.
You
Speaker 3 (23:00):
know,
Speaker 5 (23:01):
scrolling.
Speaker 3 (23:01):
Yeah.
just, yeah.
Like you're just in this likefunk and just and I've been
there, I don't know, I thinkmaybe people maybe visit that
and then maybe come back out orit seemed like you were in it
for a while.
What was it that was the turningpoint for you in that?
And, it was a person or it'sjust dang, did God just give you
a verse?
what was that?
Speaker 5 (23:21):
Yeah.
So it was not a, it was not aspecific revelation that I had.
Speaker 2 (23:26):
Yeah.
Speaker 5 (23:27):
Yeah.
That, that did not happen.
I was actually like caught in.
Some sin.
Yeah, and very tough discussionwith my wife.
Yeah That again you marry theright woman.
Yeah, she was like, we're gonnalike we're gonna fix us Yeah,
(23:47):
we're gonna get back in church.
We're not gonna be comfortablewe're not gonna let ourselves
like just sit back and acceptthat this is just how it is like
we're gonna man and like She didnothing wrong, right?
She was not the one wastingmoney, wasting time, not
investing in our kids and ourfamily.
But yet she was the one that wasright alongside me when she was
(24:11):
like, we're gonna get back inchurch.
Yeah, like I am with you to getthis fixed to get, the community
built back.
So it kind of stinks that it'snot like yeah, I was reading
this first and then oh man,like, you know, it was like, no,
I had to be really brought low,
Speaker 2 (24:28):
humbled,
Speaker 5 (24:28):
really humbled.
and then, the other thing thatcame out of that was just this,
I realized what real confession
Speaker 6 (24:37):
and
Speaker 5 (24:37):
repentance is.
Yeah.
There were a few moments fromhigh school.
in the college where I hadconfessed a few things, like,
you know, they say, Hey, if yougot problems, like come and
confess.
And so I went confessed it.
And, each time was basicallytold, like, Hey, go work on that
and then come back.
(24:58):
and then in college whenconfessed.
And they were like, well,you're, we're going to kick you
out of school, but so like, gofigure it out on your own and
then come back.
And I was like, man, what isthis idea of like grace and
forgiveness and why would Iconfess anything?
Yeah.
When there's zero
Speaker 7 (25:19):
like
Speaker 5 (25:20):
movement.
And I know sin has consequences.
Yes.
So I'm not saying that.
you've got to pay the, yeah,there, there was no, we want to
help you out of it.
Yeah.
so then there's created thisfear of rejection.
Yes.
For me.
And this one, this time around,I just realized, saw, wow, this
is it.
there were pastors that werelike, let's go get lunch.
Yeah.
guys that are my age that are inthe church that were like, let's
(25:42):
go get a coffee.
Let's go play golf.
We want to, I want to hear aboutthis, man, this is awesome.
so and so told me about thisstory and now you're back doing
the like,
Speaker 2 (25:51):
yeah,
Speaker 5 (25:52):
let's go connect.
And the consequence was stillthere.
Speaker 2 (25:55):
Yeah.
Speaker 5 (25:56):
that didn't go away.
Right.
The consequence was still there.
it's in my garage.
As a 200 pound green smoke,right?
Like I can't, it's almost now tothe point where like, I don't
want to sell it because I said,I'm like,
Speaker 7 (26:07):
Oh man,
Speaker 5 (26:08):
I'm not going to be an idiot.
but like the consequences arestill there, but there has been
like a desire now to not onlyconfess, but repent because now
it's like, Whoa, Hey, what, whatthat is offering?
Like I want that.
Speaker 2 (26:24):
Yeah.
Speaker 5 (26:25):
this is fulfillment.
Speaker 2 (26:26):
Yeah.
Speaker 5 (26:26):
Even when the business has a tough time, this
is fulfillment.
And it was crazy.
Like.
All that happened, August,September, and then December, we
had just this crazy like Payperiod that just rolled through
where my payroll is about 14, 14grand, per pay period.
And this one that came throughthe check that the agency made
(26:47):
was like 14, five.
I was like, ah, like, what arewe going to do?
Like we made payroll, but can'tdo anything else, you know?
Um, and
Speaker 7 (26:56):
really
Speaker 5 (26:57):
really had it just a completely different perspective
on that time.
I think that I would have 12months ago, I would've been
like, well, I got to firesomebody like, Someone's gone.
Yeah, because I have to
Speaker 7 (27:09):
I have to,
Speaker 5 (27:10):
Yeah.
And I have to have enough moneyto buy whatever is going to make
me comfortable or anything likethat.
dude, thank you.
Yeah.
I said, it was going to get alittle vulnerable,
Speaker 3 (27:20):
man.
I appreciate you sharing allthat, but we're talking about
what matters, and we candefinitely get lost in numbers
and the tactics and the, whatwas it like hiring this person
and just like the numb businessside of life.
But when we see these thingsthat God does for us.
And
Speaker 8 (27:39):
and
Speaker 3 (27:39):
for our wives, I mean, sheesh, I can't say enough
about how moved I was about yourwife.
And now he's like, she stuckwith me,
Speaker (27:47):
like
Speaker 3 (27:48):
choosing the right person.
You said that earlier on, likechoosing the right person is
like the most important decisionyou can have because now you are
no longer a, half a person,you're now a whole unit with
your wife and you guys can facethese things together, even when
something hard comes sin orlosses of money or whatever it
is.
And you can hit those instead ofjust crawling to the hole and
just, and, and that's huge.
(28:10):
And that's, that's, that'sawesome.
And your kids are still growing.
They don't just, clock out andwatch TV for a year.
Like they're seeing everything.
Speaker 6 (28:17):
And,
Speaker 3 (28:18):
I hope that you do keep that more so that when your
kids are old enough, you cansay, Hey.
let me tell you about this more,how dumb daddy was and how I
want you to not make thesemistakes and how God was great
through this way and how yourmom did all these things.
So for sharing all that.
Yeah, man.
let me check the time actually,cause I want to make sure we're
okay.
we probably have one or two morequestions.
(28:40):
Yeah.
one of the, so this willhopefully make things a little
more lighthearted, uh,
Speaker 8 (28:44):
I'm emotional.
Speaker 3 (28:45):
Yeah.
Yeah.
One of the best things aboutbeing a dad right now.
my kids, Moses, he's he's such asponge and he loves playing with
me.
It's just something that like wego to the backyard right now and
do volleyball.
And my daughter has just starteddrawing me pictures.
So I'm getting a picture every,you know, hour.
I love that.
she's just, I do this for you,daddy.
And, we have a stack of them andthey're great.
(29:06):
So, um, what, I forget if youhad given me your, your, um,
daughter's ages, but what areyou guys into right now?
What's, what's just a greatthing about being a dad.
Speaker 5 (29:14):
So, yeah, we're four and two.
Okay.
I'm about to be two.
She'll be two in a couplemonths.
Um,
Speaker 3 (29:20):
Those are hard years.
So that's going to be a hardquestion.
Speaker 8 (29:23):
Yeah.
Speaker 5 (29:25):
They are, we're in the thick of it for sure.
But, the four year old, she'sstarting to pick up on phrases,
just like colloquialisms thatexist.
so like the most recent one justout of nowhere, she'll just be
like, Hey, don't mind me.
But, and and it just, it killsme.
And she's very, she wants toreason.
Speaker 7 (29:45):
With you
Speaker 5 (29:45):
So Hey, we're not going to watch TV.
Like we don't need to watch TV.
And then she'll be like, butjust wait a minute.
What if, and she'll create thisargument for why she needs to
watch it.
And like, I, I love that.
I think it's hilarious.
the, I would say the other thingis watching them start like
connect and play together.
They're actually.
(30:07):
Like joking around playing likefor, I mean, really up, up until
like the last few months there,they were just so disconnected,
you know, in age and ability andFranny started like really
running and getting up and downthe steps on her own two year
old and they have a littleplayroom and every now and then,
not always, but every now andthen you'll just hear little
(30:28):
glimpses of them.
Playing and giggling andrunning, playing a story or
whatever together, make believe.
And that, that is awesome.
it's sometimes it's difficultnot to think man, I just can't
wait till they're like 10 and 8and they just get dressed and
like they go to bed.
But like holding on to rightnow, it is fun.
It is fun.
It's exhausting.
(30:49):
And you get to the point wherelike Franny, like if you just
yell.
One more time.
I'm going to lose it.
I'm going to freak out.
Stop.
Like just stop.
And then she obviously has noidea what's going on.
So she just yells again.
but it's fun.
Chaotic.
Yes.
Very memorable right now.
Speaker 3 (31:06):
No, I challenge you to in those heated moments of
just like screaming, there's atime to like, okay, discipline
or, survive, but look for thosemoments, whether it's they're
giggling together or, whatever.
Telling stories doing this oncolloquialisms to just be
thankful because I feel likethat grab those moments and just
(31:28):
hold on to them because that isThat's a special thing that only
you as the dad can reallyappreciate and enjoy that 100
percent I just feel like it's agift from God.
Speaker 5 (31:37):
I'm 100 percent
Speaker 3 (31:38):
good.
I'm gonna I'm gonna actuallygive one more sort of business
II question I probably should'vedone this out earlier, but it
doesn't matter The showsinvested fathers.
I'm all about investing.
wisely not just you knowbusiness wise but also in the
home, but Financially we've hadconversations about what are
some things that you're lookingat investing?
Outside of the business, becauseright now it's been a lot of
(31:59):
business, right?
five years of just, Hey, we makesomething back in the business.
And I would dare to say there'sa lot of business owners who
they do that their whole lives.
it's just, Hey, we can buy,another piece of equipment or a
bigger building or whatever itis.
I feel like that is potentiallya trap in.
What if something goes wrong inthe business or hey, every time
I invest in the business,there's a little more energy
(32:20):
suck that happens from me thatI'd like to see maybe something
else.
give me some of just yourmindset.
There's no wrong answer here,but what are some thoughts you
have on?
maybe over the next few years, Idon't even know when, but
investing financially, is it,are you seeing Hey, next five
years back in the business orsome other things?
Speaker 5 (32:40):
Yeah, that's great.
There's, it's very, I can seehow easy it would be right now
for me to get sucked into thethought.
I'm going to be working in thisagency and it's going to get to
a point where it runs itself.
So I'm going to be holding ontothis until I'm 80.
Yeah.
There is now what, 50 years of.
(33:02):
Unknown.
Speaker 4 (33:03):
Yeah,
Speaker 5 (33:03):
until I'm 80.
Speaker 4 (33:04):
Yeah.
Speaker 5 (33:04):
And that is such a horrible investment strategy.
When you think about it, will Icontinue to invest in it?
100 percent right?
Like it's my livelihood, right?
But getting outside of it.
Absolutely.
Where I where I kind of have tolook as well.
Um, a mentor of mine, insuranceagency, and owns a couple of
(33:26):
other businesses.
And what's crazy is he doesn'ttake any thing out of those
businesses.
It's just Transcribed It's inthere and it's growing.
And when he turns 50, 60,whatever, he sells his shares
and
Speaker 7 (33:40):
mean, so
Speaker 5 (33:41):
he's great.
He is going to be golden inretirement.
it was funny.
He was forced to take adisbursement for tax reasons and
his disbursement was aboutdouble.
Of what I made this year andlike a great year for love that.
Yeah.
And I'm like, all right, there'ssomething like, like I'm, I
(34:03):
can't compare, he's 20 yearsdown the road, but I've got to
be looking at something likethat.
Speaker 4 (34:07):
Right.
Speaker 5 (34:08):
So.
You know, I love, I love thewhole real estate syndicate
piece.
I'm, I don't think I would havethe bandwidth right now to even
buy like a, a flip and get inand flip it.
I don't, I don't have the timeand that's fine.
That's okay for me.
Speaker 7 (34:26):
but
Speaker 5 (34:27):
I still like the results that's those things
bring.
Having the ability to getinvolved in something like that
is big.
I think another thing too is
Speaker 7 (34:37):
just
Speaker 5 (34:37):
disciplined monthly
Speaker 7 (34:40):
cash flow
Speaker 5 (34:41):
cashflow in order to have some liquidity when
something comes around.
So, you know, I, I love thewhole, every dollar has a name.
I love that idea, but at thesame time, if every dollar has a
name and every dollar goessomewhere that I don't have
access to it 24, like at anytime, then when an opportunity
(35:03):
comes around, I can't touch it.
And it's good.
Every dollar has been investedsomewhere.
Whether it's just like a targetretirement fund, it's, some sort
of general market or specificstock or, you know, employer
stock, whatever it is thatyou're starting to invest in and
put things in those are great.
(35:24):
But if all my money is in themarket, and somebody comes
around like, Hey, we're sellingthis, uh, insect control
business mm-hmm And you know,I'm retiring, I, whatever.
I've got this issue going on, Igotta sell it and I'm just wanna
sell it to somebody that I knowand tr I'm gonna sell it to you
for like a third of the cost.
Well, I mean, that's a greatopportunity and if I'm all tied
(35:47):
up somewhere, I can't go at it.
So this year, kinda like I saidat the beginning, this is the
first year that I can.
I'm taking my foot off the gasof spending in state farm.
So I'm still spending, we'restill growing, but I've had
this, if we could say likebusiness lifestyle creep that
has reached its peak.
Like I don't have any more roomin the office for desks to fill.
(36:09):
I don't really need to fill anyroom in the desk in the office.
The team's skill is gettingbetter.
That's where we're investing innow.
it's pointless for me toadvertise for more leads because
we've hit this.
Speaker 7 (36:21):
peak,
Speaker 5 (36:22):
So my goal now is to be save certain amount by the
end of the year, have that nestegg built back for the business
and then start looking atmonthly.
I want to basically dollar costaverage just every month, put
money in the market.
going forward, this is ourtarget retirement.
So we want to retire with Xamount at 60
Speaker 4 (36:46):
65
Speaker 5 (36:46):
if I still get to hold onto the agency.
Fantastic.
If I'm too sick or healthissues, or I die at 70 Kate is
great.
Speaker 2 (36:54):
Yeah.
Speaker 5 (36:54):
we've just, we've got that laid out where we know
every month we're going to putthis much in.
then the excess, that's where Ithink I want to get creative and
I haven't been able to do thatyet.
I, I don't know what that lookslike, but Um, I've tossed out
ideas even of creating a spacefor people to make content for
(37:21):
their business, renting thatout, not passive, right?
Still very active, rentalproperties are something that I
would.
Like to keep my pulse on, right?
if keep a pulse on that, ifsomething pops up, I want to be
in those, and then I think I'mvery good with creating
processes and so if a businesswere to present itself, I think
(37:45):
I'd be interested in looking atthat.
Yeah.
And I think it ideally would bea business that is process
deficient.
So that my skills could go in,create those processes, watch
that valuation tick up, andeither sell or ride that one out
as well.
So I would say going on thisyear, at the end of this year,
(38:07):
I'm excited to look at what isout there other than like a
target retirement fund thatyou're putting money into.
Speaker 3 (38:15):
Yeah.
Yeah, dude.
Thanks for sharing Zach.
if our audience wanted to findmore about Zach Sprunger State
Farm, give us your like go toplace to, to get you.
Speaker 5 (38:26):
Yeah.
I mean, Zach Sprunger.
com.
Speaker 3 (38:28):
Okay.
Speaker 5 (38:29):
It's going to be the website for the agency.
or just email Zach at ZachSprunger.
com.
Speaker 8 (38:34):
That's it.
Speaker 3 (38:35):
Zach, thanks for sharing all the stuff at home,
the business, been a great guestand I wish you the best, man.
Speaker 5 (38:40):
Appreciate it.
You too, Kenny.
Speaker 3 (38:41):
Thank you.
There is no separation between work life and
(00:02):
home life.
What happens at work?
You bring home.
Speaker 3 (00:05):
Exactly.
What happens
Speaker 5 (00:05):
at home?
You bring to work.
Speaker 3 (00:06):
Exactly.
Speaker 5 (00:07):
And work is a part of our lives and home is a part of
our work.
Yes.
And all of that.
Speaker 3 (00:11):
Yes.
Speaker 5 (00:11):
And you with you.
Speaker 3 (00:12):
You really can't win at one.
you don't just take off the workhat and you definitely don't
take off the dad hat.
If I'm not winning, if
Speaker 5 (00:20):
I'm not winning at home, work is empty.
Speaker 3 (00:23):
Yes, exactly.
It's like, yeah,
Speaker 5 (00:24):
what's the point?
There, there's, there's apurpose that the whole, our, all
of our lives are centeredaround.
and work is a gift.
Work is a part of that, but wework in order to.
Provide not just to work rightthat whatever trophies or
paycheck.
I bring home is meaningless ifthere's no one to enjoy it with
(00:46):
on earth or Have everyone toenjoy with on earth, but I don't
work hard And I don't have theability to provide that creates
really rough home life like theyhave to coincide
Speaker 3 (01:41):
So that actually brings in a perfect introduction
to, Zach, thanks for joining theInvested Fathers today.
Speaker 5 (01:45):
Yeah, absolutely.
Thanks for having me.
Speaker 3 (01:46):
Tell us a little bit about what you're up to.
I always like to start the showwith, bring us into what you're
up to business wise.
and even to the point of whatyou're up to today.
Speaker 5 (01:54):
Yeah.
So business wise, I've got astate farm agency in Greer,
South Carolina.
not really that creative of aname, just Zach Sprunger state
farm.
So, um, been doing that since2020, always been in sales
pretty much.
My entire professional career.
this is super exciting spot forme to be in with the agency
because I get to coach saleswith, with employees, team
(02:18):
members that we have, while alsostill being in the mix, like
very, being very hands on.
So it's young.
We just started year five abouta month ago, two months ago I
guess.
so yeah, we're moving though.
We're moving.
It's been good.
Speaker 3 (02:31):
Five years is not a short time, but I know there's
probably a long road to go inregards to what it could be or
how you're growing it.
Speaker 7 (02:38):
it,
Speaker 5 (02:38):
I set this target out of Hey, for the first five
years, I'm going to, I'm goingto reinvest a lot back into it.
So whether that's hiring a new,Team member, man, reinvesting
for marketing infrastructure,right?
Systems processes, reinvest,investing, and all of those
(02:59):
things with the goal that, maybewe'll start getting to draw a
little bit of that soon.
that would be awesome.
It's been a, it's been fiveyears of reinvesting a lot.
So I'm excited to get to yearsix.
Speaker 3 (03:12):
I think a lot of business owners out there can
resonate with.
That's feeling of, when is thisgoing to pay off and the systems
and processes and hiring, I, Iknow there's a lot of business
people who have started theirown thing listening.
and maybe they're further alongthe year, maybe they're on the
front end to the person who'smore on the front end.
what has been like one of thebiggest lessons learned or,
(03:34):
maybe biggest obstacle,something that's really moved
the needle.
that you didn't know before whenyou were just getting started.
Speaker 5 (03:41):
There's been a couple things in my career, not even
just starting the business, butlike in, in sales, when I
started in sales, I thought,people that go into sales aren't
good at anything else.
So they get put in sales andthat was just flipped on its
head.
So I, since then I've justrealized like these expectations
that I have for something orthought that I have on something
(04:01):
and the way that I view it isnot reality.
And.
A lot of things are gettingflipped on their head.
So it went through this processof me trying to figure out what
do I want to do?
And I knew I didn't want to justgo to work every day, collect a
paycheck and go home.
And that's a fine thing to do.
I knew I wanted to do somethingthat involved a little bit of
(04:23):
risk that involved creativity mecreating processes, all that
stuff.
and then for a minute I felt ifI go to state farm, that's just.
Me hiding behind a corporatebrand and I'm not gonna create
my own business and I've learnedthat Partnering with a company
(04:44):
like State Farm or if you'restarting a business and you're
creating a widget findingsomebody that Creates a little
bit of shade, but you can alsolearn and grow from is huge that
I thought I'm just gonna go outand start my own Independent
insurance agency and we're goingto do whatever we want to do,
(05:04):
however we want to market.
And I've just quickly learnedhow valuable it is having the
support of a company like StateFarm.
And then even the network that'screated.
so I would just say if you're onthe front end, lean into as much
support as you can.
(05:25):
don't feel like this is mycompany and I have to do it.
I'm not saying enter a, enter a.
Harmful partnership.
I don't you know, I'm not sayingthat I'm just saying find a
group that you can maybe latchon to That is going to support
and help maybe The net revenuegoes down a little bit, but what
(05:48):
you gain out of that isenormous.
Speaker 3 (05:50):
I Love what you're saying.
I think one of the biggestbenefits you would get from that
is while you're still figuringit out the time element of
figuring things out is quicklyexpedited And I don't know what
age everyone feels like theyshould start their own business
(06:11):
but the earlier years are I feellike the most important years to
be not buried under 80 hours ofwork and just trying to figure
out what this thing should be.
So I talk a lot aboutsyndications on the show and how
does someone who doesn't maybehave this.
Speaker 8 (06:30):
track record
Speaker 3 (06:31):
how do you buy your first apartment complex?
Speaker (06:32):
Yeah, I
Speaker 3 (06:33):
mean, that, that question right there,
Speaker 8 (06:35):
cash.
So
Speaker 3 (06:36):
rather just take a huge risk because you have money
and you hope, I figured you hadto do everything,
Speaker 4 (06:40):
right.
Speaker 3 (06:40):
Or you partner and you find these guys that have
done it a thousand times or,whatever, 15, 20 times.
And you just get on their team,figure it out, learn along the
way like you're saying.
So I think that concept ofpartnerships.
And learning and growing, andsquashing that fear of what
partnerships I'm giving up someof the proceeds.
I think that's a very toxicmindset.
So
Speaker 5 (07:00):
I think it limits you.
Yeah.
It really limits you.
It only allows you to grow toyour capacity.
and they're like, I don't know,like the envelope system isn't
going to get your firstapartment complex, I'm saying
like Dave Ramsey's system isn'tgetting you that.
So there is a risk that has tobe involved.
And I know he's talking to adifferent demographic, right?
But if that's the way I wasingrained and I'm not going to
(07:23):
let myself open up to learnanything else, I'm limited.
I'm very limited.
And if I set myself to, if I putmyself in a situation that I'm
never going to be able to changemy mind.
That's just as toxic.
yeah, so yeah, that's
Speaker 3 (07:38):
being open.
and then just to kind of in away wrap up the business side,
not that we're going to leave itcompletely, but in the five
years that you've been growingthis thing, how do you feel the
businesses today in regards to,The returns, not necessarily
financially.
like I, whatever you want toshare there, but just in how
you've developed and grown andseen this thing,
Speaker 8 (07:59):
this
Speaker 3 (07:59):
baby of yours, mature, have your expectations
been met on where you werehoping to be?
Pretty much
Speaker 5 (08:05):
exceeded to be honest.
we had a goal.
we just started year five and Ihad a goal that at the end of
year five, but we would considerlike the property and casualty
book.
I had a certain mark that Iwanted to be at.
but like we basically hit thatmark that I wanted to be at the
end of year four.
We got a, we had a Massive jumpin quarter one of your four.
(08:28):
Oh, okay.
That finished the year.
I see where we wanted to be atthe a year ahead of schedule.
Okay.
So now this year, in a way, Idon't want to consider it like,
oh, it's just gravy.
But it is when you look at likethe business plan that was set
out for five years.
Yeah.
And part of that was itcompletely out of our control.
We just came into this timewhere it was like milk and honey
(08:50):
was State Farm.
you ran a quote, and they werelike, I want it.
let's do it.
And they're like, oh, okay.
And we were just shooting fishin a barrel.
Um, and you, then you look atlike God's providence and the
way that things just line outthat you didn't even see coming.
Like quarter one of 24, we had abig jump, things just
skyrocketed.
Then quarter two, it leveledout, June and July hit of last
(09:12):
year.
And it went like hard stop.
Speaker (09:16):
Oh,
Speaker 5 (09:16):
hard stop.
Like state farm was clampingdown on new business that they
wanted.
And they were like, being verystrict on renewal business.
they weren't like cancelinganybody in the middle of a
policy, like what everybody'stalking about in California.
That's not true.
they were saying, Hey, in 12months, we're not going to renew
the policy.
So we were just getting a ton ofthose.
(09:37):
And, the whole state was gettinghit with just this fluctuation
of premiums and rates and what'sgoing on.
And so it was weird, this liketime of Panic, right?
Where for the first time, forall four years, it was out of my
control.
But for the first time I feltlike it was out of my control.
I wasn't influencing things.
And that six months of lastyear, right?
(10:01):
The second six months of lastyear just fell into this kind of
like tizzy panic, freak out ofOh, what are we going to do?
Like we gotta make thingshappen.
yada.
And, the progress, Came to ascreeching halt, but the overall
like growth of the team came outreally strong.
(10:24):
Awesome.
I got like we, we started thisyear.
Things have opened up a littlebit more and they battled
through a really difficult timethat was out of control.
And now they've started thisyear and.
we, back to back months, we'vehad the two best months we've
ever had in four plus years ofagency.
Speaker 3 (10:45):
Excellent.
Speaker 5 (10:46):
It's like the really tough time led to their growth.
And, I, this hasn't, thisdoesn't answer the question, but
I look back on it too, and itwas weird where That was my time
as a leader, that I had, I madesome mistakes, probably showed
too much panic.
I think leaders, it's okay toshow emotion.
I think you, you do have to bevulnerable, put your heart out
(11:08):
with where you're at, whatthey're doing, what the team is
doing, how the business isgrowing.
but I learned
Speaker 7 (11:13):
that
Speaker 5 (11:15):
my panic is going to be exponentially resembled in
them.
Speaker 2 (11:20):
Yeah.
Speaker 5 (11:20):
That seeing the team grow and myself, but seeing the
team grow and develop has been.
Awesome to now get to this yearand watching them thrive.
Speaker 3 (11:29):
That, that is, that was part of the question.
I really feel is where have youseen that growth and being
vulnerable to even say, I feellike I made some mistakes
actually on how I handled thisand you're with your team who
is.
they're not robots, so they'regoing to see what you're doing.
They're going to feel whatyou're doing.
and I would hope that theresiliency that has been shown
(11:51):
through the valley of thedrought business, is making
everyone stronger on the teamand just making that more of a
family, culture of Hey, we're inthis together.
yeah.
yeah, it's been fun watchingthat happen.
maybe we can switch then to theparent parenting personal side
of life because.
These investments that we'redoing in the business definitely
(12:13):
don't stop when we go homebecause if you're making a big
move or there's a bad.
Couple of months in thebusiness, you're going to be
affected and you can't justchange yourself when you walk
through the door and your kidsare there.
So tell us a little bit about,first off, how many, how many
kids do you have?
Do you have, you have kids,right?
Speaker 5 (12:29):
Yeah.
Yeah.
Yeah.
We do.
Two little girls, two littlegirls.
We're done.
Okay.
We're done.
The second one is absolutely.
wild.
she is on like level 10 fullthrottle, 24 hours out of the
day.
even when she's sleeping, she'sjust, she's crazy.
So like number two, we werelike, we're done.
We've did it.
(12:51):
we had two kids and obviously awife.
Yes.
How long have you guys beenmarried?
17, 2017 we got married.
Speaker 7 (12:57):
Um,
Speaker 5 (13:01):
Um, and that's been fun.
I'll tell you the, the kids areone thing.
But marrying the right woman.
Speaker 3 (13:09):
It's huge.
Speaker 5 (13:10):
Dude, I did not know how valuable that would be.
She We're not, I'm not sittinghere talking about the state
farm agency resilienceleadership.
I'm gonna talk about any of thatif it's not for her.
There were so many times Iworked at Jeff Darr's office
starting out and there was justso many times I was like, what
am I doing?
Like I'm not even guaranteed toget an agency.
(13:32):
I'm just going to quit and gowork at Michelin, which is a
great place to work, make apaycheck for the rest of my life
and be done.
And she was like, no, like we'restaying in this, we're going to
do this.
She was the
Speaker 2 (13:43):
driver.
Speaker 5 (13:43):
She was the driver.
Speaker 3 (13:44):
That's a
Speaker 5 (13:44):
hundred percent.
so marrying the right woman andthen that makes it easier to
come home and battle throughsome of this.
You're like, no, we've got it.
We've already been throughcraziness in the past.
We're fine here.
So you walk through the door.
It's not perfect.
I don't walk through the doorand always love like the chaos.
(14:06):
What, you know, especially whenwe got through.
Yeah, it's crazy.
It is crazy.
When we went through thehurricane, September 27th
through the rest of the year wasjust this very hectic time heavy
time for me and walking throughthe door.
It was sometimes I was likefrustrated oh my gosh, you guys
(14:29):
like nobody talk for 10 minutes.
Just nobody talk.
And then other times I'd walkthrough the door and it was just
like this sigh of relief thatlike.
But my kids are here like myfamily's here, right?
And I think that I've got togive myself grace on both of
those that if I walk through thedoor and I have a bad Reaction.
(14:50):
I'm human.
It's gonna happen as a leader.
I'm human and it's gonna happen.
So if I'm gonna lead my familyWith the same importance that I
put on leading my business, thenI've got to be vulnerable with
my kids and my wife I've got tobe able to sit my four year old
down and say hey dad was wronglike when I Got upset at you
(15:13):
because you asked the samequestion 12 times and I wasn't
answering and then I snappedLike dad was wrong and like in
the moment.
It's no, I'm not wrong,
Speaker 4 (15:21):
right?
Speaker 5 (15:22):
Just, if I'm not answering, shut up.
Just stop.
Stop asking the question.
I don't know why Bluey is blue.
I don't know.
That's how they made him.
That's why she's a blue dog.
and, I just gotta stop and belike, no, I need to take
ownership of it and apologize.
And I think Leaders, dads,husbands, whatever, if you're
(15:42):
single and you're leadingsomewhere, leaders run to their
mistakes.
They don't excuse them, right?
We're not, as a leader, I'm notpassive towards the areas that
I've made mistakes.
And even if it's so small, oreven if I was justified, I don't
run from it.
I own it.
I run to it.
I own it.
(16:03):
and I don't shift the blame oncircumstances.
I don't shift the blame on, I'mgoing through a hurricane and
I've got all these claims andthese people are homeless.
of course I'm going to befrightened.
no.
that's not Lila's fault.
Speaker 4 (16:13):
Right.
Speaker 5 (16:14):
That's not Franny's fault.
Speaker 4 (16:15):
Right.
Speaker 5 (16:16):
They need their dad to own it and apologize.
Not be perfect.
I'll be perfect.
Like I'm gonna give myselfgrace, but I'm going to own it
and lean in on it as quick aspossible.
Speaker 3 (16:26):
Huge.
The, the theme of forgivenessbeing, and it's, I think it's,
especially with our kids.
I feel like, I'm apologizing toa four year old, really?
Like they don't know anythingabout what's going on, like you
said.
But, I think there's, I get so.
So excited when they model ourbehavior.
So if we are, this is whatstaunch and you don't understand
(16:49):
making excuses, they're going todo that.
Speaker 4 (16:52):
Yeah.
Speaker 3 (16:52):
If you're able to admit faults, calm down, be
vulnerable.
I've just seen that with mydaughter, who is the.
just crazy one at our home whowas, almost four and, it's
testing.
Cause my son is the oppositewhere he's like just obedient
and in every way it seems likeit's just it's not perfect, but
(17:12):
yeah, the easy first born.
but he also has, some thingsthat we're working on with self
confidence and in a way beingassertive when someone does
something wrong and I just gowith it.
So it's all good.
and this is a space where.
I want to
Speaker 8 (17:25):
give
Speaker 3 (17:26):
give encouragement to my dads to say, Hey, you can be
killing it in the office andjust crushing, numbers and work,
or things are really hard rightnow.
However, you cannot just hang upthe hat of Being the leader at
home.
Speaker (17:40):
So
Speaker 3 (17:40):
it's really cool to hear.
Have you seen any other,parallels or aha moments of
being a businessman, businessowner.
I love to hear that your wifesupports you and has been like a
just huge supporter along theway.
But, things that you've seen andhave worked on at home that have
shown some fruits or, returns.
Speaker 5 (18:03):
I would say this is home.
Yeah.
And community, this is going tobe pretty vulnerable, but going
through last year, and in 2023,
Speaker 7 (18:15):
2023,
Speaker 5 (18:16):
right, so we're kind of dating this year, from right
now.
Two years ago, we had the bestyear ever.
So qualified for this level oflike agency award.
That doesn't happen often inyear three.
So when we met that, we had a
Speaker 7 (18:35):
just bang
Speaker 5 (18:36):
out year, just massive year.
And I quickly went from thisprayerful, dependent, like, I
need your, your, there's only ahappen, Lord, if you let it
happen and say, we went frompraying for an agency and God
met everything we prayed for,like literally every single
(18:59):
thing we prayed for.
He like.
Blessed it and made it happenand then in a matter of three
years, two years, basically, Ihad completely shifted and it
was like, man, I got this, lookat what we just qualified for,
Speaker 4 (19:10):
right?
Speaker 5 (19:11):
We're the best.
I'm the best, right?
My processes are the best,right?
I'm doing all this in 2024 hitand I was.
the ruler.
And as a business owner, nobody,I reported to no one.
And the way State Farm is setup, I'm not a franchise.
I am my own business.
(19:34):
If they're running a special, Idon't have to run it.
If they're running a promotion,I don't have to run it.
I, Can do whatever I want,obviously within legal fines,
you know, but like, that createdthis sense of maybe autonomy
that just wasn't real that likeI'm in charge and I'm in
control.
I'm in power and Just somereally hard things came out end
(19:59):
of last year that you know we asa family were working through
the all this stuff was just likecame to a head and came to a
point and I realized just thevalue of you said working at
home things that you've seen inparallel the value of Community
as a business owner and thevalue of people that are gonna
(20:21):
be honest with you and real withyou especially as you're if you
really are trying to be abusiness owner that is faithful,
hardworking, honest, you'retrying to do all those things,
if you're not a believer, thisprobably doesn't resonate, but
if you're a believer, that is abusiness owner, you've got to be
put yourself under some sort ofbiblical.
(20:43):
Authority somewhere somehow andI had removed all that.
So I got very lonely, but waswinning on the outside.
I was winning those very, verylonely.
I know community kind of tookourselves out of church when
Franny was born.
Things were just hectic andexhausting and she had some
(21:03):
health issues and we were.
Just tired, we don't have timeto go to church, and so we
didn't.
And then I lost touch withbiblical friends that were
keeping me accountable with allthat, and that having no
authority, and me being incharge of all of it, found
myself
Speaker 7 (21:18):
like
Speaker 5 (21:20):
Not wasting money per se on like gambling or anything
like that, but just being dumbwith money.
Like I, the example that I giveall the time is I bought a John
Deere greens mower.
So we moved and yeah.
Sounds like a good mower.
I have no idea how to use it.
Like it's this like few thousanddollar mower.
I have no idea how to make it.
(21:41):
So I figured it out.
And I like, well, let's just seehow it goes.
I mean, dude, I'm telling you,it is a professional machine.
It's not for residential use.
the thing nicked a piece of,like a little rock
Speaker 4 (21:51):
bent
Speaker 5 (21:52):
the blade.
So it's just been sitting in mygarage.
I can't sell it.
Cause it's got a bent blade andthose are like 400 to replace
just the blade.
So I'm like, what are we doing?
So anyway, I just, I.
You started to become ruler ofmy own life, my own heart, all
that stuff and led to just dumbdecisions.
Speaker 2 (22:08):
Yeah.
Speaker 5 (22:09):
Dumb decisions.
Yeah.
Kate, I wasn't leaning on Kateto help me make decisions.
I wasn't leaning on community orfriends to help me make
decisions.
And dude, yeah, I bought themower.
I made an absolutely terriblehire.
Terrible hire.
During that time.
just mistake after mistakeshowed itself.
And so I think a parallel thatI've noticed is you have just
(22:29):
And you've got to seek it.
You've got to push yourself intobiblical authority and into
community aggressively,aggressively.
Speaker 3 (22:38):
Thank you.
Zach, that's a great story.
I'm sorry you went through that.
However, it sounds like afterbeing brought low, You've
realized your faults of thecommunity aspect and are on your
way up.
Can you even go a little deeperon, on that so like the mower,
the bad hire, probably somedisconnected home sounds Oh, a
(22:59):
time.
Speaker 5 (23:00):
Yeah.
You
Speaker 3 (23:00):
know,
Speaker 5 (23:01):
scrolling.
Speaker 3 (23:01):
Yeah.
just, yeah.
Like you're just in this likefunk and just and I've been
there, I don't know, I thinkmaybe people maybe visit that
and then maybe come back out orit seemed like you were in it
for a while.
What was it that was the turningpoint for you in that?
And, it was a person or it'sjust dang, did God just give you
a verse?
what was that?
Speaker 5 (23:21):
Yeah.
So it was not a, it was not aspecific revelation that I had.
Speaker 2 (23:26):
Yeah.
Speaker 5 (23:27):
Yeah.
That, that did not happen.
I was actually like caught in.
Some sin.
Yeah, and very tough discussionwith my wife.
Yeah That again you marry theright woman.
Yeah, she was like, we're gonnalike we're gonna fix us Yeah,
(23:47):
we're gonna get back in church.
We're not gonna be comfortablewe're not gonna let ourselves
like just sit back and acceptthat this is just how it is like
we're gonna man and like She didnothing wrong, right?
She was not the one wastingmoney, wasting time, not
investing in our kids and ourfamily.
But yet she was the one that wasright alongside me when she was
(24:11):
like, we're gonna get back inchurch.
Yeah, like I am with you to getthis fixed to get, the community
built back.
So it kind of stinks that it'snot like yeah, I was reading
this first and then oh man,like, you know, it was like, no,
I had to be really brought low,
Speaker 2 (24:28):
humbled,
Speaker 5 (24:28):
really humbled.
and then, the other thing thatcame out of that was just this,
I realized what real confession
Speaker 6 (24:37):
and
Speaker 5 (24:37):
repentance is.
Yeah.
There were a few moments fromhigh school.
in the college where I hadconfessed a few things, like,
you know, they say, Hey, if yougot problems, like come and
confess.
And so I went confessed it.
And, each time was basicallytold, like, Hey, go work on that
and then come back.
(24:58):
and then in college whenconfessed.
And they were like, well,you're, we're going to kick you
out of school, but so like, gofigure it out on your own and
then come back.
And I was like, man, what isthis idea of like grace and
forgiveness and why would Iconfess anything?
Yeah.
When there's zero
Speaker 7 (25:19):
like
Speaker 5 (25:20):
movement.
And I know sin has consequences.
Yes.
So I'm not saying that.
you've got to pay the, yeah,there, there was no, we want to
help you out of it.
Yeah.
so then there's created thisfear of rejection.
Yes.
For me.
And this one, this time around,I just realized, saw, wow, this
is it.
there were pastors that werelike, let's go get lunch.
Yeah.
guys that are my age that are inthe church that were like, let's
(25:42):
go get a coffee.
Let's go play golf.
We want to, I want to hear aboutthis, man, this is awesome.
so and so told me about thisstory and now you're back doing
the like,
Speaker 2 (25:51):
yeah,
Speaker 5 (25:52):
let's go connect.
And the consequence was stillthere.
Speaker 2 (25:55):
Yeah.
Speaker 5 (25:56):
that didn't go away.
Right.
The consequence was still there.
it's in my garage.
As a 200 pound green smoke,right?
Like I can't, it's almost now tothe point where like, I don't
want to sell it because I said,I'm like,
Speaker 7 (26:07):
Oh man,
Speaker 5 (26:08):
I'm not going to be an idiot.
but like the consequences arestill there, but there has been
like a desire now to not onlyconfess, but repent because now
it's like, Whoa, Hey, what, whatthat is offering?
Like I want that.
Speaker 2 (26:24):
Yeah.
Speaker 5 (26:25):
this is fulfillment.
Speaker 2 (26:26):
Yeah.
Speaker 5 (26:26):
Even when the business has a tough time, this
is fulfillment.
And it was crazy.
Like.
All that happened, August,September, and then December, we
had just this crazy like Payperiod that just rolled through
where my payroll is about 14, 14grand, per pay period.
And this one that came throughthe check that the agency made
(26:47):
was like 14, five.
I was like, ah, like, what arewe going to do?
Like we made payroll, but can'tdo anything else, you know?
Um, and
Speaker 7 (26:56):
really
Speaker 5 (26:57):
really had it just a completely different perspective
on that time.
I think that I would have 12months ago, I would've been
like, well, I got to firesomebody like, Someone's gone.
Yeah, because I have to
Speaker 7 (27:09):
I have to,
Speaker 5 (27:10):
Yeah.
And I have to have enough moneyto buy whatever is going to make
me comfortable or anything likethat.
dude, thank you.
Yeah.
I said, it was going to get alittle vulnerable,
Speaker 3 (27:20):
man.
I appreciate you sharing allthat, but we're talking about
what matters, and we candefinitely get lost in numbers
and the tactics and the, whatwas it like hiring this person
and just like the numb businessside of life.
But when we see these thingsthat God does for us.
And
Speaker 8 (27:39):
and
Speaker 3 (27:39):
for our wives, I mean, sheesh, I can't say enough
about how moved I was about yourwife.
And now he's like, she stuckwith me,
Speaker (27:47):
like
Speaker 3 (27:48):
choosing the right person.
You said that earlier on, likechoosing the right person is
like the most important decisionyou can have because now you are
no longer a, half a person,you're now a whole unit with
your wife and you guys can facethese things together, even when
something hard comes sin orlosses of money or whatever it
is.
And you can hit those instead ofjust crawling to the hole and
just, and, and that's huge.
(28:10):
And that's, that's, that'sawesome.
And your kids are still growing.
They don't just, clock out andwatch TV for a year.
Like they're seeing everything.
Speaker 6 (28:17):
And,
Speaker 3 (28:18):
I hope that you do keep that more so that when your
kids are old enough, you cansay, Hey.
let me tell you about this more,how dumb daddy was and how I
want you to not make thesemistakes and how God was great
through this way and how yourmom did all these things.
So for sharing all that.
Yeah, man.
let me check the time actually,cause I want to make sure we're
okay.
we probably have one or two morequestions.
(28:40):
Yeah.
one of the, so this willhopefully make things a little
more lighthearted, uh,
Speaker 8 (28:44):
I'm emotional.
Speaker 3 (28:45):
Yeah.
Yeah.
One of the best things aboutbeing a dad right now.
my kids, Moses, he's he's such asponge and he loves playing with
me.
It's just something that like wego to the backyard right now and
do volleyball.
And my daughter has just starteddrawing me pictures.
So I'm getting a picture every,you know, hour.
I love that.
she's just, I do this for you,daddy.
And, we have a stack of them andthey're great.
(29:06):
So, um, what, I forget if youhad given me your, your, um,
daughter's ages, but what areyou guys into right now?
What's, what's just a greatthing about being a dad.
Speaker 5 (29:14):
So, yeah, we're four and two.
Okay.
I'm about to be two.
She'll be two in a couplemonths.
Um,
Speaker 3 (29:20):
Those are hard years.
So that's going to be a hardquestion.
Speaker 8 (29:23):
Yeah.
Speaker 5 (29:25):
They are, we're in the thick of it for sure.
But, the four year old, she'sstarting to pick up on phrases,
just like colloquialisms thatexist.
so like the most recent one justout of nowhere, she'll just be
like, Hey, don't mind me.
But, and and it just, it killsme.
And she's very, she wants toreason.
Speaker 7 (29:45):
With you
Speaker 5 (29:45):
So Hey, we're not going to watch TV.
Like we don't need to watch TV.
And then she'll be like, butjust wait a minute.
What if, and she'll create thisargument for why she needs to
watch it.
And like, I, I love that.
I think it's hilarious.
the, I would say the other thingis watching them start like
connect and play together.
They're actually.
(30:07):
Like joking around playing likefor, I mean, really up, up until
like the last few months there,they were just so disconnected,
you know, in age and ability andFranny started like really
running and getting up and downthe steps on her own two year
old and they have a littleplayroom and every now and then,
not always, but every now andthen you'll just hear little
(30:28):
glimpses of them.
Playing and giggling andrunning, playing a story or
whatever together, make believe.
And that, that is awesome.
it's sometimes it's difficultnot to think man, I just can't
wait till they're like 10 and 8and they just get dressed and
like they go to bed.
But like holding on to rightnow, it is fun.
It is fun.
It's exhausting.
(30:49):
And you get to the point wherelike Franny, like if you just
yell.
One more time.
I'm going to lose it.
I'm going to freak out.
Stop.
Like just stop.
And then she obviously has noidea what's going on.
So she just yells again.
but it's fun.
Chaotic.
Yes.
Very memorable right now.
Speaker 3 (31:06):
No, I challenge you to in those heated moments of
just like screaming, there's atime to like, okay, discipline
or, survive, but look for thosemoments, whether it's they're
giggling together or, whatever.
Telling stories doing this oncolloquialisms to just be
thankful because I feel likethat grab those moments and just
(31:28):
hold on to them because that isThat's a special thing that only
you as the dad can reallyappreciate and enjoy that 100
percent I just feel like it's agift from God.
Speaker 5 (31:37):
I'm 100 percent
Speaker 3 (31:38):
good.
I'm gonna I'm gonna actuallygive one more sort of business
II question I probably should'vedone this out earlier, but it
doesn't matter The showsinvested fathers.
I'm all about investing.
wisely not just you knowbusiness wise but also in the
home, but Financially we've hadconversations about what are
some things that you're lookingat investing?
Outside of the business, becauseright now it's been a lot of
(31:59):
business, right?
five years of just, Hey, we makesomething back in the business.
And I would dare to say there'sa lot of business owners who
they do that their whole lives.
it's just, Hey, we can buy,another piece of equipment or a
bigger building or whatever itis.
I feel like that is potentiallya trap in.
What if something goes wrong inthe business or hey, every time
I invest in the business,there's a little more energy
(32:20):
suck that happens from me thatI'd like to see maybe something
else.
give me some of just yourmindset.
There's no wrong answer here,but what are some thoughts you
have on?
maybe over the next few years, Idon't even know when, but
investing financially, is it,are you seeing Hey, next five
years back in the business orsome other things?
Speaker 5 (32:40):
Yeah, that's great.
There's, it's very, I can seehow easy it would be right now
for me to get sucked into thethought.
I'm going to be working in thisagency and it's going to get to
a point where it runs itself.
So I'm going to be holding ontothis until I'm 80.
Yeah.
There is now what, 50 years of.
(33:02):
Unknown.
Speaker 4 (33:03):
Yeah,
Speaker 5 (33:03):
until I'm 80.
Speaker 4 (33:04):
Yeah.
Speaker 5 (33:04):
And that is such a horrible investment strategy.
When you think about it, will Icontinue to invest in it?
100 percent right?
Like it's my livelihood, right?
But getting outside of it.
Absolutely.
Where I where I kind of have tolook as well.
Um, a mentor of mine, insuranceagency, and owns a couple of
(33:26):
other businesses.
And what's crazy is he doesn'ttake any thing out of those
businesses.
It's just Transcribed It's inthere and it's growing.
And when he turns 50, 60,whatever, he sells his shares
and
Speaker 7 (33:40):
mean, so
Speaker 5 (33:41):
he's great.
He is going to be golden inretirement.
it was funny.
He was forced to take adisbursement for tax reasons and
his disbursement was aboutdouble.
Of what I made this year andlike a great year for love that.
Yeah.
And I'm like, all right, there'ssomething like, like I'm, I
(34:03):
can't compare, he's 20 yearsdown the road, but I've got to
be looking at something likethat.
Speaker 4 (34:07):
Right.
Speaker 5 (34:08):
So.
You know, I love, I love thewhole real estate syndicate
piece.
I'm, I don't think I would havethe bandwidth right now to even
buy like a, a flip and get inand flip it.
I don't, I don't have the timeand that's fine.
That's okay for me.
Speaker 7 (34:26):
but
Speaker 5 (34:27):
I still like the results that's those things
bring.
Having the ability to getinvolved in something like that
is big.
I think another thing too is
Speaker 7 (34:37):
just
Speaker 5 (34:37):
disciplined monthly
Speaker 7 (34:40):
cash flow
Speaker 5 (34:41):
cashflow in order to have some liquidity when
something comes around.
So, you know, I, I love thewhole, every dollar has a name.
I love that idea, but at thesame time, if every dollar has a
name and every dollar goessomewhere that I don't have
access to it 24, like at anytime, then when an opportunity
(35:03):
comes around, I can't touch it.
And it's good.
Every dollar has been investedsomewhere.
Whether it's just like a targetretirement fund, it's, some sort
of general market or specificstock or, you know, employer
stock, whatever it is thatyou're starting to invest in and
put things in those are great.
(35:24):
But if all my money is in themarket, and somebody comes
around like, Hey, we're sellingthis, uh, insect control
business mm-hmm And you know,I'm retiring, I, whatever.
I've got this issue going on, Igotta sell it and I'm just wanna
sell it to somebody that I knowand tr I'm gonna sell it to you
for like a third of the cost.
Well, I mean, that's a greatopportunity and if I'm all tied
(35:47):
up somewhere, I can't go at it.
So this year, kinda like I saidat the beginning, this is the
first year that I can.
I'm taking my foot off the gasof spending in state farm.
So I'm still spending, we'restill growing, but I've had
this, if we could say likebusiness lifestyle creep that
has reached its peak.
Like I don't have any more roomin the office for desks to fill.
(36:09):
I don't really need to fill anyroom in the desk in the office.
The team's skill is gettingbetter.
That's where we're investing innow.
it's pointless for me toadvertise for more leads because
we've hit this.
Speaker 7 (36:21):
peak,
Speaker 5 (36:22):
So my goal now is to be save certain amount by the
end of the year, have that nestegg built back for the business
and then start looking atmonthly.
I want to basically dollar costaverage just every month, put
money in the market.
going forward, this is ourtarget retirement.
So we want to retire with Xamount at 60
Speaker 4 (36:46):
65
Speaker 5 (36:46):
if I still get to hold onto the agency.
Fantastic.
If I'm too sick or healthissues, or I die at 70 Kate is
great.
Speaker 2 (36:54):
Yeah.
Speaker 5 (36:54):
we've just, we've got that laid out where we know
every month we're going to putthis much in.
then the excess, that's where Ithink I want to get creative and
I haven't been able to do thatyet.
I, I don't know what that lookslike, but Um, I've tossed out
ideas even of creating a spacefor people to make content for
(37:21):
their business, renting thatout, not passive, right?
Still very active, rentalproperties are something that I
would.
Like to keep my pulse on, right?
if keep a pulse on that, ifsomething pops up, I want to be
in those, and then I think I'mvery good with creating
processes and so if a businesswere to present itself, I think
(37:45):
I'd be interested in looking atthat.
Yeah.
And I think it ideally would bea business that is process
deficient.
So that my skills could go in,create those processes, watch
that valuation tick up, andeither sell or ride that one out
as well.
So I would say going on thisyear, at the end of this year,
(38:07):
I'm excited to look at what isout there other than like a
target retirement fund thatyou're putting money into.
Speaker 3 (38:15):
Yeah.
Yeah, dude.
Thanks for sharing Zach.
if our audience wanted to findmore about Zach Sprunger State
Farm, give us your like go toplace to, to get you.
Speaker 5 (38:26):
Yeah.
I mean, Zach Sprunger.
com.
Speaker 3 (38:28):
Okay.
Speaker 5 (38:29):
It's going to be the website for the agency.
or just email Zach at ZachSprunger.
com.
Speaker 8 (38:34):
That's it.
Speaker 3 (38:35):
Zach, thanks for sharing all the stuff at home,
the business, been a great guestand I wish you the best, man.
Speaker 5 (38:40):
Appreciate it.
You too, Kenny.
Speaker 3 (38:41):
Thank you.
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