Featuring Eli Langer, Host of Kosher Money

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Episode Transcript

(00:00):
The following is a paid podcast.iHeartRadio's hosting of this podcast constitutes neither an
endorsement of the products offered or theideas expressed. It's time for Mind Your

(00:28):
Business on seven ten War and theiHeartRadio Network to present the weekly business radio
show produced by the award winning marketingfirm bottom Line Marketing Group BLMG, sharing
business and marketing strategies to make youand your business successful. Now here's your
host, the president and founder ofbottom Line Marketing Group, Yitzak Saphless.

(00:51):
Hello, Hello, Hello New York. How are you, hopeol as well?
Welcome to another great edition of MindYour Business tonight and is very very
very very excit. I know youheard me say that before, but this
one really is not to the exclusionof the other ones. Okay, no
slide, That's why I mean Iwas. You know, I may ask
Ellie, you know, do youhave a favorite guest to choose? But
we know that you can't ask todo you have a favorite son? So

(01:15):
we had to be careful. Islipped with the first name. But you
know, radio is a little bitof suspense here, So before I get
to my guests, first of all, thank you New York. We have
a great listenership, that's great,and you've come to expect great guests,
and tonight is a incredible guest andwe'll get to hear more about him just
in a minute. First of all, special shout out well of course,
as you know you get on theYouTube channel and now on twenty four to

(01:40):
six, and of course on Spotifyand so many different platforms that were active
on you can get my interview thatI had with the CEO of sax S
Fifth Avenue, the CMO at geJoe Hart, the CEO of Dal Carnegie
and John Scully, the former CEOof Apple and Pepsi, and on and
on and on and on. Youcould pick that up. Many of them
are video that's on our youtub tubechannel and of course at myb Radio.

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Special shout out also to the variouschannels that were syndicated on. Of course,
the Jewish Home has a beautiful columnevery single week with which a print
edition of select shows, where ofcourse the Business Class channel you can catch
us on. But you know,I just got to get to my guests.
Of course. One second, specialthank you to the great team here
at bottom Line Marketing Group. MichailThrilly eli Olaire got me in touch with

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today tonight's guest without further ado,Ellie Langer. Yes, he is the
host of Kosher Money and Mazzletov,Mazletov, mazzle Toov. They just broke
a million subscribers. I mean,we have to do a time. So
where's the music? Where's the millionsubscribers? So the keyword is puzzletov,

(02:44):
thank you. The keyword is theyright. We're a team the same way
you're surrounded by a very amad Yes, I'm just a small piece of that.
Right. I get a list ofquestions that the team prepares, I
sit down, and then the teampost produces the episode, they market the
episode. So I'm just a smallcog in a bigness drill down here.

(03:07):
Yes, that's very gracious and verykind. And I'm also have tremendous cours
of type to my team, Michaelsolfer, Thrilly l e O and Nahi and
many on the team. But okay, and it takes a team to bill
the village and whatever the cliches are, okay, we've all we've all studied
your work. And there's a certainart, there's a certain style maybe we

(03:29):
could even just drill down for thatbecause blee ein harra, it's it's,
it's it's. I know you're gonnadeflect it, but it's you and the
team, okay, and the teamand you the fact the way you have
a certain style, it's beautiful.You interview someone, you look them in
the eye, you ask the questionswith a cadence. Let's get into that.
And I hope I'm not, butyou know this is okay, This
is exciting for me. Okay,no one. I'm in front of a

(03:52):
mic and someone's asking me questions.Usually I have to sit there, and
I've learned the art of interviewing isalmost keeping your mouth shut. I don't
mean to strongly recommend that I wantyou to talk. I like the back
and forth the most, but thestyle of my podcasts are questions and answers.

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So when I ask someone a questionand then they're silent for five seconds,
initially that scared me, and thenI realized the audience is okay with
that. They want to hear athought provoking answer, and that means the
person that I'm asking the question to, many times, they're not presented it
with it prior so they have togo through their archives in their brain look

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for the file who am I speakingto? Okay, let me bring out
that nuance of that response and it'sthoughtful. So if you listen to my
early episodes, I'll ask a questionand if they're silence, I'll piggyback off
another question and I'll be like,oh, here are some options for you
to choose from within your answer.And then it took some guts to be

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okay with silence. So I thinka really important piece that I've learned in
the interviewing process because when I started, I thought, what could be so
hard about it? I'm sitting theretalking to someone having a conversation. But
there are elements within interviewing, especiallywhen there are listeners in the audience,
that you have to be cognizant aboutwhat you're doing, what you're saying,

(05:20):
what you're not saying, and whenyou're quiet and listening and allowing them to
develop their thoughts, even if theygo for five minutes, I wouldn't necessarily
follow up with another question because sometimesthe best answer comes six seven minutes into
their response. It's so true.Just let them and then it's like wow,

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and needed that build up to getto that nukuda, to get to
that particular golden nuggets. So tobe sure, you have to warm them
up right. And that's where itgets a little tricky because if the meat
and potatoes are thirty three minutes intoyour episode, will someone sit there for
twenty five minutes to get to themeat and potatoes. So you have to
balance the too. You don't wantto start boring. You don't want to

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start, you know, And Ihope it doesn't take thirty three minutes to
get to that. But it's worthreiterating. It's unusual sitting in front of
a mic and being asked the questionswhere you have to listen to me finally,
So that's exciting. And going backto some of the early ones.
Now, Tully Horowitz was number two. Yes, he was our second guest

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at the time. He was atJP Morgan Chase. He's since moved on
to Morgan Stanley. And he ishe comes from a long line of like
he has a rabbinical genealogy, sohe could probably master the talmutic studies and
give courses as it relates to it. But his niche is finance and his
ability to eloquently talk about things thateveryone is either struggling with or he resonates.

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So and he's a genius. Soyou put the two together, it's
like, give me more. Brother, who was initially the vision ya behind
let's give a show money. Sure, he initially wanted enough Tully Horowitz to
host it. Wow, so hesaid, okay, enough to He's like,
I can't. I have too muchon my plate. I'll come on
as a guest. And his episodeshave millions and millions of youse amazing.

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Now you know this leads me tomy next question. You have interviewed a
wide variety from financial advisors to rabbis. I got a chance to get a
quick glimpse at the Rabbi Grtzman one. So like I'm saying to myself and
this, by the way, andI know here we're on radio, even
juggling the fact that you know,we're we're hamish edon and we have to

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uh, you know, we haveto we're cognizant, which you are.
You're doing an amazing job at thosein the know understand exactly how I don't
say complicated, how delicate you knowthat is? And you do you really
amassed the art. So you interviewbusiness people, rabbis, but it comes
down to money, kosher money.Is there an approach? Is there certain

(08:01):
type of approach? And maybe isthe world I'm gonna use that you have
that's maybe consistent among the approach youtaken between all your different guests. Great
question. So when we started,we said, we're gonna create content for
Orthodox Jews money, we're Orthodox Jews, we're working for a living. We

(08:24):
will create content for Orthodox Jews.And then what we realized is non Jews
in Indonesia loved our content. Wehave millions of listeners in India. We
can literally we look this week,we can literally create ten cities, we
can create a tour, go toIndia, put out a message and people

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would fill the rooms. Literally millionsof listeners over the last year from the
country of India. And when westarted realizing that, we said, our
content transcends religion. There is truthto it, and when there's truth and
humans in the same room, itresonates. So we started, as you

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alluded to, if a guest saysa Hebrew word on YouTube, will translate
that and it's an important piece becauseit keeps the content sticky. It allows
them to understand. Even though theysaid what we'll call a Davar tora,
they shared words from the Bible.Now they have the ability to learn from

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our guests, regardless of what languagethey speak. So we have a commandment
to be a light to the nations, and this is super relevant. We've
had Rebemonus Friedman on it. Hespeaks very strongly about that. We're doing
our seemingly mundane work of putting outcontent. But yet people who never were

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exposed to Judaism. Some people arelistening. They don't even know what a
jew is. As wild as itseems from our they're sitting there. Their
first exposure to Judaism is truth,and it's being shared in regards to money,
which is relevant to them, andthen they get hooked. One episode,
two episodes, three episodes, andby then they're a fan. It's

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amazing. Now let's go back downmemory lane. Oh and you did ask,
you did ask, what's what's theglue? That? That seems to
be a common theme with it.So I'm thirty seven years old and people
always have told me growing up thatyou have a lot to learn, right,

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wisdom comes with age. I havesat through a crash. Course of
sixty two episodes, I've gone toanything better than especially these days, Harvard
Yale, the best of the bunch, or so we used to call it.
I sat through Financial Literacy one ohone, one two, one o

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three, one oh four, andthen in post production, I'm listening to
it again. So we say inHebrew, right, reviewing is the most
important thing. And I'm listening andpeople are commenting, and and I'm immersing
myself in education. So as muchas I'm educating the world with this content,
and it's not my content, it'sthe people that are talking to me.

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I don't really have opinions. Iam. I have a front row
seat to the best college in theworld, and there's a lot of value
to that, and I'm very thankfulto that. And I didn't really pick
up on that until I was aboutforty two episodes in that this is gold,
this is gold. That's correct.There are there are I think there
are a few common threads with people. I think this idea of being intentional.

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Right, A lot of the gueststalk about not living in a bubble,
not doing things by road, understandingwhat you're doing day to day and
take a step back we have allthese outlooks on how other people are living,
how other people are spending, butthen when it comes to ourselves,
we've sort of gotten so used toit or habitual creatures where it's almost the

(12:11):
best advice I can give people rightnow is to ask someone close to you
to give you raw feedback. Youknow, put the gloves down. I'm
not going to punch back. Tellme what do you think I can be
doing a bit better with, whetherit's finances, how I'm living, And
trust me, your friends have opinions, you just haven't asked them, so

(12:31):
that that's really a common theme thereare, especially when we do business episodes,
right, so some of our episodesare strongly personal finance focused, so
budgeting, investing, and then we'llhave episodes such as business building. So
not every episode's going to speak toeverybody. If we try to do that,

(12:52):
one hundred percent of our episodes willbe watered down. And it's okay.
If there's a thirty five year oldfemale in Lakewood who's this this particular
episode isn't resonating with, that's okay. You can't win them all, but
you know what, next week she'llbe front row seat and when you think
about it, when an episode haseighty thousand people listening to it, that's
a MetLife stadium. That's right right, These are real people listening. It's

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huge. It's huge. We sortof discount just how powerful and far reaching
content creation is. And I dothink I we'll get into that in the
upper side. I think what you'redoing and what I'm doing, I think,
especially within Orthodox Jewish circles, moreand more people should be leaning into
this. There's there's money to bemade, there's a business, there's there's

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ways to support your family with contentcreation. And all you need is a
phone. They have what they need. There's no startup capital. They just
need grit and determination and go andyou know what, maybe it'll take ninety
seven different videos for you to scratchthe service. We didn't get a million
subscribers overnight. It was it washard. It was people had to believe

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in us. We initially the OUhad to fund our first few episodes.
We still don't make a ton ofmoney from this, and we reinvest into
it. But now there's there's abusiness, whether we channel it into the
nonprofit space the for profit space,it's there's a revenue stream and that is
solely from content creation, real contentcreation. There's a lot of fake content.

(14:22):
If you can create things that I'mall over the place. I love
this. This is uh, bringme the etch of sketch. We got
the etch a sketch right now.I feel like this is what I'm doing
verbally right now right I'm creating andthen I'm going that way and then I'm
going yeah, so yeah hello.On that point, the the just just

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to hold on to that, theimportance that anyone out there, if you
have good content, don't shy away. And especially in today's day and age,
it's LinkedIn, and there's whatsappp andthere's there's avenue, and the barrier
to entry is that it is low. You do not have to be an
extrovert to create content. Maybe youdon't want to be in front of the
camera. But some of the bestproducers in the world, and I'm sure

(15:09):
you have some of them in theroom right now, have a vision and
an understanding that they can create abusiness, they can create a model,
they can create a process around contentcreation. And you know what all they
need to do is fit in ahost. They don't want to be that
host. That's okay, but thereare real talents out there, whether it's

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in the written word, the verbalword, video production. There's so much
and the tools right AI, thetools that we have available to us,
you can go from A to Zwithin a week. Now, Ellie,
something that I know, I dealwith, And I'm gonna ask you a
question. Also, don't you feellike when you're on the set the time

(15:50):
just flies like suddenly, like becauseremember on radio, I have a block
I have to end by a certaintime, and YouTube you can keep going
even though again, in general,the sods are an hour, an hour,
seven minutes, an hour and tenminutes. But hey, every once
in a while, I'm like,hey, I gotta go to commercial breaks
so and I'm like, we're sixteenminutes in no way, So that's interesting.
I have it, as you said, a completely different setup. I

(16:14):
push play and we can talk.We will stop talking when we run out
of words to say. We doforty minute episodes, we do an hour
twenty generally, I found the sweetspot with video is about forty five minutes.
I see that in person also withclasses. After forty forty five minutes,
people move on, they're ready togo back to the swiping of the
short forms. But that's interesting.Like when I'm in the studio, I

(16:38):
don't get to wear this. Ifeel like I'm back to my CNBC days
where I have headphones. I'm ina studio. We're actually building out a
studio now, so it's exciting,certainly different than radio. So so,
and I have some questions to shoutout to my uncle, Rich Roberts.
Yeah, I didn't know it's uncle. Yeah, I saved that for I

(16:59):
want to release something huge. Youhad him on before us. I haven't
had him on personally. Doctor richRoberts is, let me explain why he's
a dream guest. He really isone of the very few dream guests.
I'd say he's in the category therewith Beth Comstock and some others at John
Scully. Why he he he.He took a company that was and he

(17:23):
says it openly, that was onthe verge of bankruptcy, turned it around,
Borgasham did incredibly well and he's open. Yes, this is the beauty
about a Rich Roberts interview, hesays, ask me. And besides the
fish tank, but of course thereall that watch it. You know,
how many fish does he really havein that is it salt water? Is
it fresh water? All the questionsthat come with a Rich Robin interview,

(17:47):
Rich Roberts interview. But the factis he could ask him anything and he's
done it. When he when whenwhen? When he was at the company,
he talked about how he would walkthe floor every once in a while.
Didn't just sit up there in thecorner office suitet. You know,
he walked the floor the building.Says, anyone that's running a company,
you must do that from time totime, walk the floor and see what's

(18:08):
going on. And he shares it, and therefore the listeners are like and
if he makes it relatable, dowhether you're running a small mom and pop
shop or a company or that hasa thousand employees. He was Elon Musk
before Elon Musk. And what Imean by that is he says it as
it is. He has opinions,he's an opinionated person, and he shares

(18:32):
it, and like you said,he's done it. So I think Elon
Musk gets a lot of the creditbecause he's not your usual buttoned up see
right. And and that's refreshing.I think we're we're living in a time
where there's so much fake, especiallyas it relates to the Instagram society,
and when you find somebody that's real, it's refreshing and the more and it's

(18:56):
no different to the guests we wantto have on If we can share those
people with with the world, peoplesay, yes, I want more,
I want more. We had RobbieGrtzman on you referenced that episode It's it's
we released it two days ago.He talks about how consumerism is slowly destroying
Jewish communities and beyond slowly, thatthis need to buy new and bye bye

(19:22):
bye, and people are clamoring fora second episode. I said, guys,
I just I released it two daysago. Maybe maybe watch it again,
like no, we want more,we want more. And when it's
real and it's truth and the personis well spoken, you put it all
together and it's it's just digitally delicious. My guess is none other than Ellie

(19:44):
Langer, host of Kosher Money,no stranger to our audience, and of
course a shout out to your illustriousbrother who started living with him, Yakov
Langer, and a special thank youto of course Elio Lera, who put
this all together. We're going totake care of some business. That's how
it gets done. Here on sevento ten, w are the voice of
New York. Will be right atWe'll be right back after this commercial break.

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(23:37):
My guest, Ellie Langer of koshermoney. Thanks really for that. Hello
Ellio, Hello Mikol, and ofcourse hello to everyone out there who's watching
on YouTube and of course on twentyfour to six and the many other channels
that we are on. Ellie Langer, it is a very big treat to
have you here in studio. Thankyou for having me. We're back,
We're back, We're back now.A couple of a couple of weeks ago,

(24:00):
or episodes ago, as we sayin the industry, you interviewed the
publisher, not the publisher, theeditor in chief of Entrepreneur magazine, And
in that interview he asked a verypoint at a great question, what is
something that is kind of a commonthread that you see in all entrepreneurs?

(24:22):
Sure, and I've learned over theepisodes that every time you ask that to
somebody that has a good handle onbusiness, you'll get a different answer.
But that doesn't mean any of theanswers are wrong. It just means that
there's no one thing that you needto have to either succeed or not succeed.
So Jason Pfeiffer, he is astoryteller at heart, a fantastic man

(24:47):
with his words. He can writea kid's time, he could put stories
on tape and we just push playand we can go to sleep listening to
his he's very very and by theway, for those watching on tape,
we'll get to this soon, likea story's on tape. What is Ellie
talking about holding up the uh?I think that used to work my car,

(25:08):
but I tried to jam it intothe ac slide. It doesn't doesn't
work anymore. So Jason said somethingvery interesting. He has an entire book.
It's called Built for Built for Tomorrow, and his the thesis of his
book is your ability to change willdictate how successful you're going to be.

(25:30):
If you're locked into your ways,you are going to have a problem.
And the reason, quite simply isthe world is changing. So if your
process is not changing, the world'sgoing to change you, and not for
the better. So he quoted DwayneJohnson and his business manager, and their
idea is be married to the outcome. What is what do you want out

(25:56):
of this? And then sometimes thebest way to get to your destination is
through Highway number one. But ifthere's traffic on Highway number one the next
day, it would be very sillyto go and follow the same process from
the day before, you should takeHighway number two. And as Jews someone
pointed out, our job is todo the work and it's up to God

(26:21):
to create the process. And Idon't think that they are mutually exclusive.
I think that our hastodless our job, our effort is to sometimes change the
process. Right, That's what wecan control. I think, and based
off of what I've learned from myrabbis, is that your job is to

(26:41):
do the best you can. Nowsometimes that means changing the process. Obviously,
we need to have our eyes onthe outcome. We need to strive
for something, but it doesn't meanwe should be doing the same thing day
in day out, because ultimately,someone somewhere else is going to create a
better process and overcome you. NowElie in preparation for the show and again

(27:04):
watching that a great episode with Jason, so I dug up here a Fortune
five hundred edition. This is aFortune magazine, Fortune five hundred America's largest
largest corporations, which came out whenyou were in your young twenties. Okay,
based on the age that you sharedbefore. This came out in May
of twenty ten. Here's an adfor iPad when it just was launched and

(27:30):
some other goodies. I don't know, do you remember this? That's the
BlackBerry? The BlackBerry? What about? What about this? Aol? This
is how they got people to signup one thousand, forty five hours free.
And it was multi multi discs,right you put it in there.
That's a CD rom. Oh,actually, you're right. This may have

(27:52):
even been on one of these threeand a half. I didn't bring the
five and a quarter, but floppy, floppy disc of a lot of pests.
Now this all goes to the point, of course, the cassette,
like we said before, and therole of film, because a film you
discuss codec all, you know,kind of the wayside the graveyard of as

(28:14):
society marches forward, and if someoneis resistant to change, they will be
left in the dust. And Ithink it goes a step further. What
I'm learning from these episodes is thatyou need to disrupt yourself. If you
are complacent, if you are comfortablebut you're still succeeding, that's only going
to last for a certain amount oftime. You need to become comfortable with

(28:37):
uncomfortability. You need to be comfortablewith disruption. You need to be comfortable
with almost inflicting that work pain onyourself to say, what do I need
to do to get better? Right? I'm not a big believer in constantly
monitoring your competition, but if youcan put into the processes you have in

(28:57):
place that once a month, Iwant to just go on the competitor's website,
let me look at their Instagram feed. What are they doing? What
should we be doing that we're not? And if you bake that into your
process, you sort of habitually getused to this idea of getting better.

(29:18):
And I think that's super It soundssounds very simplistic, but you need to
do and I've learned process is king. As much as that contradicts, you
know a little bit what we said. I'm not saying the same process as
king. But if something's working,create a process. Yes, you're gonna
have to disrupt it at some point. But if you can figure out a
process, then you can start scalingup everyone. You know, I'm in

(29:42):
an agency, right, You wantan agency? Right? My revenue is
good, but there's only so muchI can do with the team that I
have in place. You know,some months are better than others, But
if I am going to want toscale up. We need to a create
a process around what we're doing andbe delegation delegation, delegation, delegation.

(30:04):
The people that I see that aresuccessful are not the ones that are striving
for perfection. They're not busy thinkingfor weeks at a time. What should
my company neme be? What shouldthe colors in my logo be. I'm
not saying it's not important, andI'm not saying you shouldn't spend ten minutes
thinking about it or calling a coupleof people, but make the decision.

(30:25):
The CEO of Yahoo or the formerCEO of Yahoo, Marissa Mayer said she
got advice. Someone told her,Marissa, you're struggling to make a decision.
You have a lot of good choicesin front of you. There's no
perfect choice. It's your job totake one of them, make it your
choice, and take that good choiceto be a great choice. And that's

(30:47):
within your power. So stop focusingon the pantone color. It's not going
to make or break a business.I saw. I don't even know what
they do, but there's a companycalled Hugging Face. There are a billion
dollar company today. I don't knowwho signed off on whatever that company does
that the name hugging Face should beit. Maybe we've run out of names
entirely, but I promise you youcan name your company whatever you want,

(31:11):
so long that it's clean, it'sgoing to do. It's going to do
the numbers it needs to do becauseof the work that you put into it.
We get very lost again in thisInstagram society of perfection and that's a
myth. By the way, myfavorite story on this particular item is Steve
Jobs. Now, Steve Jobs wasa perfectionist. We know that. However,

(31:33):
the story goes that when he wascoming up with the name for his
company, he had an agency,maybe even a few different agencies competing on
coming up with the name, andthey were going on for a couple of
days turned into weeks. Finally,the story goes, Steve came into the
office one day he said, bythe way, today, by five o'clock,

(31:55):
a name is being picked, andif there isn't a name, to
my satisfaction, I'm going to nameit after my favorite fruit. The rest
is history. He called it apple. I think the BlackBerry guy did the
same thing. You remember it rightbefore the BlackBerry And what's type of palm?
Pilot? Was super successful. Thinkabout it. If I approached you

(32:19):
and I said, in the nineties, I'd like to create a roduct called
the palm Pilot. It's almost likewe don't even think of the word palm
and pilot. It just becomes anoun and and it's moot. But we
can get very lost in the namingand the colors of a product. And
now talking about a name, thisis interesting. We you know, I
wish it was like a name forit. Maybe we'll come up with it

(32:40):
at some point. It almost likelike deja vu. As a has a
we understand, we say deja vu, you understand what it means. What
happens Like while a guest is talkingand you had said something, it triggered
something in my head about doctor Roberts, which I'm going to get to.
But I'm like, I gotta makesure to save it, make sure to
file it, and then get backto it because I don't interrupt you.

(33:00):
We got to think of a namefor that, you know, just let
me know. Yeah, And that'swhy I'll always sit with a pen gus
saying something and I'm like, okay, I want to go in that direction.
Oh that's interesting and That's why sometimeswhen I'm asking a question, I'll
have three different directions I want togo, and it's their job to unpack

(33:20):
it. And I kind of likethat also, it's I give them three
questions and then they take it inthe most interesting direction. But yeah,
there is It's like a digital bookmarkor an interview bookmark that you have to
you have to you have to keeptrack, you have to take notes,
and then I'll listen to it afterwards, and sometimes I'll hear a guests say

(33:40):
something. I'm like, I didn'tactually hear them say that. Initially,
you could get distracted, but it'san interesting world. I think we should
have almost like a support group forpeople interviewing others. There's a lot that
goes into it that people don't know, and it's it's an exciting world.
I didn't think that I would bethe one to ever be in a seat

(34:01):
of a podcast that has grown theway it has, and I think it's
a real responsibility. People listen tothe episodes, people act on the episodes.
I'm super careful about the advertisers Ibring on. The last thing I
want is for some Ponzi scheme tobreak or even worse. It just I
want the advertisers to be kind.I want the advertisers to be people that

(34:25):
we want to do business with,that we want our listeners to engage with.
And I look at my business thesame way. I don't want to
take on a high paying client.If it means a headache, I'll let
them go. I want, obviouslythe ability to make money, but I
want to work with good people.I don't need to make the most money,
so long that my manures and fishmight peace of mind is there that's

(34:50):
more important than any dollar. Bythe way, just a shout out to
your to your business, feel freeto How could people get in touch with
you on the business side? Yeah, so my email address is ELI or
even the and and the website Yeah, Harvestingmedia dot com. We just redid
our website. Nothing too crazy,but we are a digital marketing agency very

(35:10):
similar to the work that you're doing. I think you're more in the in
the Jewish industry, right you doevent marketing? Yeah, all that,
we're we're on the email marketing side, social media, content creation, paid
ads, text message marketing, onlinereview management. It's a lot of fun.
But we like to say that we'regood at the few things that we

(35:32):
do. We're we're not looking tobe any everything to everyone. The people
that reach out, we say we'renot a good fit just because learning things
and knowing how to do them well, especially as things are changing in today's
industry, is tedious. And I'mthinking if I'm contradicting my earlier advice.

(35:52):
But you get the point now.As I mentioned a couple of minutes ago,
something flash from my head some question. If you remember, he had
said something was very insightful that youask many of your guests a similar question
and you'll get different answers. Okay, I'll never forget. And during one
of the interviews with doctor Rich RobertsSo he said, almost almost verbat him,

(36:16):
he says, you know, Idon't know if you use the word
bristle, but he says, hesays, like it makes no sense when
people ask the question, what's themost important advice you can give in the
world of business? And you knowwhat his answer is, He says,
if you're asking now, of course, when you're asking it to professionals,

(36:36):
we want their tip. But whenwhen he's he he referred to it as
when someone is trying to simplify itthat like oh great, you know like
like like hill, Well, teachme that are on one foot, you
know, teach me business on onefoot. You know what's the you know,
just tell me one thing about businessthat I could be successful. He
says, if you're asking that question, you don't understand how complicated business is.

(37:00):
Answer. It's a lazy question.It's high Can you give me a
shortcut? And there are no shortcuts. I think we get lost on the
lottery effect when someone makes a lotof money very quickly. Yes, they
end up losing all that money.But the point is people want that and
they don't realize that in order totruly be successful, it takes time.

(37:22):
We sort of coined an unofficial sloganfor the podcast, get rich Slowly.
Now, obviously the goal is notto get rich, but the point is
that if you want to accrue wealth, whether it's financial wealth, whether it's
attaining knowledge, you need to dothings slowly. You need to understand that

(37:45):
it takes time, that it's goingto take setbacks the world. You know,
we love a graph that just goesup up, but that's not business,
that's not life, that's not success. It's a roller coaster. They
are ups, there are downs.And when someone says, doctor rich Roberts,
tell me the one secret to thatstraight up, you know, the

(38:06):
secret is that there are no secrets, and that's the message. I think
he's trying to get true exactly.I'm saying. He ran a company,
turned it around, and it tooktwenty five years. Took twenty five years
to get to the quarter century.So I think this is our unofficial ask
for him to come on the podcastWhere are Yous? But I want him
in person. I might have togo to him. He is busy,

(38:30):
but I think that there's also something. I mean, zoom is great if
you can't. But we went downto visit Dave Ramsey in Tennessee in his
studio. There's nothing like flesh toflesh in the sense that when you're in
front of them, you see theiremotions, you you get a feel.
I don't think that we would havethe same dynamic conversation. And thank you

(38:51):
for slepping out. It wasn't aslept. It's about a thirty minute trip,
about three hundred dollars in tolls thesedays, but it's it's nice also
I get to see another studio,really, really nicely, well done and
people people right, we talk.I asked that to a lot of the
rabbis, you would think a lotof the rabbinical conversations that I'm having are

(39:15):
boring, right, They're gonna justbore you with biblical wisdom. And when
they talk about money in a spiritualsense. And that's what Rebbe Monus Friedman
says. He says, I said, what makes the world go round?
What is it about money that istopic of a conversation everywhere? And he
said, the reason money exists isthat it forces us to be social.

(39:37):
If Y's Luck, Sapfluss didn't needmoney, and Ellie Langer didn't need money,
we wouldn't have businesses. We probablywouldn't be interacting right now, and
we would be in our homes justwatching the film of the day. And
because we need money, it forcesus to be social, and we think
of money, No, that allowsus to buy a bagel. It's much

(39:59):
bigger than that. God created money, he says, so that we are
forced to be social with each other. And that blew me away. And
I'm constantly blown away by hearing thatmoney isn't just the ability to buy something
else with a currency but that there'sa spiritual and biblical component to it and
that is fascinating. After this commercialbreak more with Ellie Langer of Kosher Money,

(40:23):
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when that moment comes, you needto be prepared with emotional intelligence. Hi.
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at the Squadron dot com to learnmore. That's the Squadron dot com to
learn more. We had a specialoffer for the listeners of Minor Business only
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(41:51):
a free month of coaching from themonth of December if you join the program.
That way, we can teach youthese skills, these tools to be
successful over the holidays and start twentytwenty four right, thirty years of marketing
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(42:14):
Have the bottom line Brew weekly newsletterdelivered straight to your inbox. Well,
you'll learn from Fortune five hundred executivessuch as Beth Coomstock and Joe Hart.
Go to bottom linebrew dot com.That's bottom linebrew dot com. Blow up
some free marketing secrets at bottom linebrewdot com and we're back with Ellie Langer

(42:37):
of Kosher Money. What an incredibleepisode, And those that are tuned in
a little late, no worries.This goes up on all the different channels
in old time and of course we'reup on twenty four to six as well,
and of course Nocky Radio and Spotify. And by the way, Mikhael's
going to have a job here onBusiness Class Clips with Nahi's Really there a

(42:59):
lot of golden nuggets in this show, a lot of golden nuggets, and
uh, it's very very special,Ellie, thank you for joining me here
in studio. As discussed before thebreak in the on the set in flesh,
as mentioned, you've interviewed a reallywide range of experts, professionals and

(43:21):
even rabbis. You've had Rabbi Gladstein, Rabbi Grtzman, and and and what's
fascinating is that they have great perspectiveand like and like you mentioned also earlier
in the show, not necessarily allthe same advice, but perhaps you could
share from as you said, beingpart of this virtual we don't want to

(43:43):
say college, because much better thancollege, but this virtual learning experience.
I'm sure you've had yourself many takeawaysas it applies to business advice and personal
finance. So I don't want theaudience to think I have it all figured
out as much I'm as I'm educated, there is a I am not a
good budgeter I am after sixty plusepisodes, and I know the importance of

(44:07):
it. So what you hear andwhat you do are still very too.
You have to bridge the gap,and that's something I still struggle with,
and in twenty twenty four, Ihope to improve. Now I've had episodes
where or at least personal episodes whereI've improved, but like I said,
you need to create a process aroundit. We're actually working on an episode

(44:30):
in twenty twenty four titled loosely thirteenthings every twenty one thirteen financial moves every
twenty one year old should make,but very practical, right, so brilliant.
So on one item, and thisis not advice, and read the
whole disclaimer, but one piece ofadvice. I made the mistake I bought

(44:52):
whole life insurance, or I callit a mistake because many financial advisors would
say it's not the right product forpeople who are younger. You should be
buying term life insurance. And termlife insurance essentially is a larger payout if
God forbid something was to happen tosomebody, and the cost of that larger

(45:12):
payout is dramatically less. At theend of the thirty years that life insurance
policy is gone, but it protectsyou and your family, whether you need
five hundred thousand, a million,one point five. I think a lot
of people wait to get married inorder to facilitate that. But if it
takes someone five years, ten yearsto get married, there's no reason they
didn't invest in that policy, whichwill be dramatically cheaper and more cost friendly

(45:37):
in their younger years. If wecan get one hundred and twenty two people
to act on that with an episode, that's huge, right. Other ideas
that come to mind is actually speakingto a financial advisor to set up your
four oh one K, to setup your IRA. The compounding component of

(45:57):
money, the ability to put moneyaway in your twenty versus thirty five,
forty five to fifty five. Thatcompounding effect is you'll have millions of dollars
more if you act ten years sooner, and that numbers, those numbers aren't
real. People who have a companymatch in their four oh one K,
they're IRA. Some people know aboutit. They they don't. They're not

(46:19):
educated on it. So when they'represented within their company to hey do you
want a four oh one K,wait I'm going to lose money. Right
now, you're gonna take out onehundred dollars for my paycheck. That means
one less trip to the fast foodjoint. And when you tell them no,
if you take out one hundred dollarsand put it away, the company
will give you an additional one hundreddollars. And not everyone has that within

(46:40):
their company, but they don't knowany better. It's almost like we can
write a book, like a playbookof do abs, and we want to
create that list of thirteen things that, regardless of what age, it's appealing
when it's a twenty one year old. But some people are only learning that
about it at the age of fiftytwo and they've lost down in thirty years

(47:00):
of compounding effect or just good moneydecisions, building an emergency savings not having
the money completely liquid, knowing whata high savings account versus whatever Chase is
giving you at point zero zero onepercent. Little things that if you just
were educated and took action once,it would set you set yourself up and

(47:22):
your family up for years to come. Amazing. Let's let's go to if
it's okay even your day to dayharvest, Perhaps you could share some tips
and tricks on if it's okay onemail marketing, digital marketing. Yeah.
So the reason I got into thedigital marketing space is because it's very people

(47:44):
focused. Right. We have tothink about marketing from the end users standpoint.
We can't create marketing or messaging becauseof the story we want to tell.
We have to do it in away or with the glasses wearing the
glasses of the person who's seeing thestory. And when you create content that

(48:07):
doesn't resonate, you're doing everyone atthe service. You've wasted time to create
it, and it's not actually helpingthe other person. So, regardless of
whatever business you're in, you haveto understand what your consumer wants to see
here, read, view, andthen build backwards. Right, it can't

(48:30):
be about the service you're providing.I never tell someone I do email marketing,
right, it's I help. Andthis is what Jason say, right,
like, Yeah, you have tocraft your messaging in a way that's
appealing, and what is appealing Ithas to be useful to me, and

(48:51):
you need to figure out what serviceyou're providing and what the end result is,
how are people benefiting from it?A lot of wasted marketing, as
you well know, goes into thatmisnomer that here are the services, no,
what value are the people getting andadvertise that value? And he really
he broke it out. And bythe way, on that episode with Jason

(49:13):
Fiffer Entrepreneur, he actually anyone cango to it and listen to it.
And then on there I know asI was doing, and I'm like,
hey, how am I going tofill into blanks? I am a storyteller,
I am a you know, yeah, it's it's a super important piece.
I didn't even do that right,Like to me, I'm in the
business of content creation, but likethere is a real importance of locking yourself

(49:38):
in a room and taking your todo list out. A lot of the
work that people get done I foundis nighttime. There are no distractions as
a business owner. I don't knowif you've ever come into the office on
Sunday, but there's a peacefulness toit. Not to say that you guys
behind the scenes aren't great, butwhen you're able to send emails out and
not that's play ping in real time, there's no distraction. The smartphone I

(50:04):
think is terrible, right, theWhatsApp generation, and I suffer from that
in that there's a dopamine rush whenyou open up that WhatsApp. But essentially
it's a distraction. And even thoughyes, you need it, I think
it's so important to block out timethat allows you to focus on the priorities.
My best days are the days Imake it to do list and I

(50:27):
say, these are the three mostimportant things I need to do that day,
and I walk out of the officeat six eleven PM and I say,
wow, I did all three thingsthat are important. Yes, I
did a bunch of other things.It's a totally different feeling than walking out
of the office knowing you didn't wastetime, but did I get the most
important things done? And internally andsubconsciously you know that you didn't, and

(50:50):
it's deflating, and you sort ofmissed a boat on that day, and
you feel it and you know it. Ellie, a couple of weeks ago,
the phone system went down, andI'll never forget it. Some of
here in the office said, youknow, I've never got so much work
done. It's true. It's trueas where we have only three minutes left,

(51:14):
and I know that's one of thedownside. I'm not knocking radio,
and the radio has its as itsbenefits, but you know, we have
to keep an eye on the clock. Let's hold on to even goal setting
because perhaps you could share from someof your guests some other points. One
is to make it to do list. I think you also had a guess
that as you had shared your todo list, also should have Well,

(51:36):
you're not going to focus on interesting. I'm not up to that because I
still struggle with I know it's important, and I know making to do list
will make my day successful, butyet I struggle with actually making the to
do list. And that's sort ofbridging the gap between knowing and doing.
I think if anyone takes anything outof this episode is that they shouldn't take

(52:00):
everything out of the episode. Findone thing, Find one thing that resonated
with you for whatever reason, whereveryou are in life, and put it
into your phone, notes or whereveryou keep track, and say this is
the one thing that I'm gonna You'renot gonna You're not gonna become Steve Jobs
overnight, and even the Steve Jobsof to doing right. You can't take

(52:22):
on everything on your to do list. So if it's creating a to do
list, whether it's delegating take onsomething small, and I know it's cliche,
but otherwise this episode will just bea feel good episode. You're gonna
move on. The best thing Ihear from people is that you said one
thing in episode seven or episode fifteen, and that really stuck with me and

(52:44):
I changed my life slowly as aresult of it, which I think is
the best compliment you can And it'sso special and it's and it's so true.
It's not like you know everyone,God hardwired us in all in a
very unique way. And there aredifferent parts that are going to resonate to
people well, even though as acomplete unit, the entire episode, each
one of them. So I meanjust the enclosing first of all, mazletov

(53:07):
a million subscribers, I mean,did you make a kidd ish? I
mean we didn't. It's exciting,but it's a metric we can get.
I didn't even And this is not, as they call it, a T
four, This is not like ahumble brack. I didn't really focus too
much on it because I find awhole lot more value in ten thousand views

(53:30):
than the million, because I knowthe ten thousand views, especially after an
episode like Robbie Gortzman about this ourability now to or our keen interest in
overspending, and people are saying,you know, I don't really need a
least car. I can buy aused car and save money. And it's
a bet that to me is somuch more rewarding than whatever vanity metric YouTube

(53:52):
tells us. It's exciting because itknows we're heading in the right direction,
but knowing that we've changed a family, or how someone is doing something and
they're doing it now for the betteris so much more rewarding. Ellie,
before I let you go, anyother last minute thoughts or tips just to
share with the listeners of Mine yourBusiness very special episode. Are you looking

(54:14):
for the one tip to whatever?It's whatever comes to mind, whatever the
one, And it doesn't mean,by the way I was discussed earlier in
the show, doesn't mean this isan exclusion of everything else. Yeah.
I think one thing that I wouldsay, if it was boiled down to
how I try to live is thinkingabout others. The most rewarding work or

(54:39):
when I go home at night isnot so much the work that I did,
but the help I gave to somebodyelse. People will reach out and
say, hey, do you haveadvice on A or do you have a
contact for B? And what Ido after I give that contact or advice
I always write, or I tryto write keep me posted. I want

(55:01):
to know the effect that my helphad because it fuels me to want to
help more people. And if I'mnot getting anything out of it, which
most of the time is the casewhen we're doing reset slash kindness, I
want to know that I'm making adifference. And there's nothing wrong with that.
So when you tell someone keep meposted, you actually show a vested

(55:23):
interest in that. Even if youradvice or contact didn't end up helping,
but you're sort of empathizing with themand it shows that you care, and
that to me is more rewarding thananything we've discussed until now. Yeah,
so so special. And by theway, this is a testament to the
to the entire Kosher Money podcast,because that's really that's your mo that's that's

(55:45):
what you're doing. We you know, every what's every single episode helping helping,
helping, so so special. Wellas it works in radio where we
are we're out a time our ascountry also used to say, we're hot
by the clock. Let's create bonuscontent for premium subscribe Aha, He's always
thinking. Well. It wraps upan amazing edition of Mind Your Business.
You could catch this also on YouTubein twenty four to six, et cetera.

(56:09):
Wow, have a successful week,We're ount a time Bye. Seven
to ten, War and the iHeartRadioNetwork present Mind Your Business, hosted by
the president of bottom Line Marketing Group, Jitzak Saphliss. Founded in nineteen ninety
two, bottom Line Marketing Group isa strategic, creative and execution driven marketing

(56:30):
agency helping businesses by clarifying and promotingtheir vision, mission and purpose to support
its lead generation and customer retention initiativesto gain market share in their industry.
Mind Your Business focuses on business andmarketing strategies for success. Tune in every
Sunday evening at ten pm for thisintriguing radio show is Jitzac interviews Fortune five

(56:51):
hundred executives, business leaders, andmarketing gurus from a wide variety of business
industries. Now Jitzoc and his guestsoffer their knowledge and expertise to help you
be successful every Sunday night Onmine YourBusiness. The proceeding was a paid podcast.

(57:16):
iHeartRadio's hosting of this podcast constitutes neitheran endorsement of the products offered or
the ideas expressed.