Steve Austin is a 13-year mortgage pro who has helped countless families across Florida turn the dream of homeownership into a confident, stress-free reality. He’s known for his high-energy approach, straight-forward guidance, and the ability to break down complex financing into clear, actionable steps.
He’s also the founder and leader of The Dynamic Team at Rize Mortgage — one of Florida’s fastest-growing, high-performing mortgage teams. Steve is actively building a culture of sharp execution, real accountability, and big results. His mission? Develop top-tier loan officers, deliver unmatched client service, and raise the bar for the entire industry.
From coaching his team to serving families every day, Steve brings passion, intensity, and a relentless focus on helping people win. At the end of the day, it’s simple: Steve Austin is here to help more Floridians build stability, build wealth, and build their future — one mortgage at a time.
📣 QUOTE: “The reverse mortgage is an additional retirement tool — similar to a 401k or IRA — and it’s in the house itself.” 🏠 - Steve Austin
Level 🆙 Take-Aways
🔹 Valuable Time-Stamps🔹
🕒 00:00–02:00 Activity vs real progress
🕒 03:00–04:30 Execution driven leadership culture
🕒 07:00–08:30 Understanding people builds trust
🕒 10:00–12:00 Reverse mortgages explained simply
🕒 18:30–20:30 Back to basics mindset
You Can Find Out more about Steve's Dynamic Team at Rize Mortgage Here:
🌐 Visit Dynamic Mortgage Website
🔗 LinkedIn
🔵 Facebook
📷 Instagram
🔥Show Sponsor Dynamic Mortgage
You Can Find Out more about Steve's Dynamic Team at Rize Mortgage Here:
He’s also the founder and leader of The Dynamic Team at Rize Mortgage — one of Florida’s fastest-growing, high-performing mortgage teams. Steve is actively building a culture of sharp execution, real accountability, and big results. His mission? Develop top-tier loan officers, deliver unmatched client service, and raise the bar for the entire industry.
From coaching his team to serving families every day, Steve brings passion, intensity, and a relentless focus on helping people win. At the end of the day, it’s simple: Steve Austin is here to help more Floridians build stability, build wealth, and build their future — one mortgage at a time.
📣 QUOTE: “The reverse mortgage is an additional retirement tool — similar to a 401k or IRA — and it’s in the house itself.” 🏠 - Steve Austin
Level 🆙 Take-Aways
- The highest performers focus on guiding lives forward, not just completing transactions 🧠
- Tools only create leverage when paired with clear thinking and disciplined execution 🛠️
- Big decisions echo across generations, making intention and foresight essential 🌱
- Smart conversations focus on long-term outcomes instead of short-term wins 📈
- Cutting through noise and choosing progress builds stability, wealth, and freedom
- True leadership is measured by how much others are elevated along the way ⬆️
🔹 Valuable Time-Stamps🔹
🕒 00:00–02:00 Activity vs real progress
🕒 03:00–04:30 Execution driven leadership culture
🕒 07:00–08:30 Understanding people builds trust
🕒 10:00–12:00 Reverse mortgages explained simply
🕒 18:30–20:30 Back to basics mindset
You Can Find Out more about Steve's Dynamic Team at Rize Mortgage Here:
🌐 Visit Dynamic Mortgage Website
🔥Show Sponsor Dynamic Mortgage
You Can Find Out more about Steve's Dynamic Team at Rize Mortgage Here:
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Are you ready to level up?
Speaker 2 (00:03):
Do you wish to live a life of options and
not obligations? You've gone to the right place. Thank you
for stopping on by to hear knowledge nuggets from Coach
Fergie and his top tier guest to help you lean
into your ultimate human potential.
Speaker 3 (00:17):
Now let's level up with Coach Fergie pay versusy Squad.
Welcome back to another powerful edition of Level of Conversation
with Coach Fergie with time to Shine Today Coaching. I'm
your host, Scott Ferguson bless to be your gap coach
specialized in performance mental conditioning, working with business leaders, entrepreneurs, entertainers, athletes,
c suite and students to help them bridge their success
gap to live a life of options and not obligations.
On this platform, we're still to bring you high performers
(00:40):
who are not just changing and chasing and at teaming success,
but redefining it through providing above and beyond service and
real quick knowledge. Get this week as working with a
client here locally in Palm Beach. You know ow ITN's
a solid company. Smart guy, big heart built everything from
the ground up and every time he talks, strategy comes
out of the gate blazing. Day one, he's unstoppable. Seven
(01:00):
he's distracted. Day thirty he's wondering why nothing is moving.
And it hit me he wasn't struggling with capability. He
was struggling with confusion. He was confusing activity with progress. See,
anybody can show up piped on day one. Anyone can
scribble goals, build plans, make noise, post motivational messages pound
their chests. But progress, real progress, is quieter. It's on sexy.
It's repetition. It's choosing the next right action when nobody's watching.
(01:23):
It's saying no to the distractions that feel productive but
aren't moving the ball an inch. We sat down talked
about that. I told them, man, your job isn't to
do more. Your job is to finish what matters. Because
a storm of activity without direction is just chaos in motion.
Progress only shows up when intention becomes execution and execution
becomes completion. And that's the trap. So many people in business,
(01:45):
especially this time of the year, falling into They stay busy,
they stay moving, they stay loud, but they're not advancing.
They're on the treadmill, not the trail. Activity burns energy,
progress builds futures. So if you're listening right now heading
into backstretch at twenty twenty five into twenty twenty six,
ask yourself, am I actually moving forward? Or am I
just moving? When you stop performing for the appearance of
(02:06):
effort and start committing to finishing what you start, everything changes.
My client is already seeing that, which is pretty awesome
by the way you came through there. Rick, his team
feels it, his customers feel it, and most importantly, he
feels it. So don't confuse activity with progress. One drains you,
the other builds. You choose the one that moves your
life forward and talk about moving forward and to the
(02:27):
end of this year into the new year, this is
gonna be pretty much our last kind of like live
show of twenty twenty five. But we're leveling up with
a guy, one of my best friends here in South Forward.
I've met him now ten eleven years ago. He's in
the mortgage business. He's not just in it, he's reshaping it.
Steve Austin, or six Mills as i'd like to Colms,
a thirteen year mortgage powerhouse, has turned the chaos of
(02:48):
home financing into confidence, clarity, and straight up wins for
families all across Florida. He's built a reputation for a
high energy execution, no nonsense guidance, and the rare ability
to take something complex and make it feel simple, doable,
and empowering. He's a founder and driving force behind the
Dynamic team at Rise Mortgage, one of the fastest growing,
hardest charging mortgage teams in the entire state. He he's
(03:09):
building a culture where execution matters, accountability of standard, and
big results are non negotiable. He develops top tier loan officers,
delivers client experiences that redefine the industry and raise the
bar every single day. And like I said, we meet
up here once a month or so have a chat,
and I'm blessed to coach Steve for a little bit
and seeing him like he was already like blossoming, but
(03:31):
just like he's helped me take meta levels, and I'm
you know, I think I've helped take him a little
bit levels. We look welcome back in also squad. He's
our sponsor here to the show, So thank you so
much for doing that coming through. I remember when I
asked you, I was like, I don't know if Steve
will want to do it. But you're like, dude, let's
do it children the demographics, and yeah, let's do this thing.
You know of that, So tell me what's been going on. Brother.
Speaker 4 (03:53):
It's a I mean, first of all, God, great introduction.
I guess technically I did pay you for to say.
You know, I think it still genuinely came from the heart. Yeah,
I appreciate it. Our friendship has definitely.
Speaker 1 (04:07):
Come a long way. Yeah, we Uh.
Speaker 4 (04:11):
I kind of gave Scott the chance to run into
the younger version of hisself when we first met, to like, oh,
I know, a guy like that, little young cocky take
over the world. But here we are, we are ten
plus years later.
Speaker 3 (04:25):
Yeah, I tell you, I'm proud of you. We're coming.
The only reason why I can say that is because
I was that. You know what I'm saying. Yeah, I
was like that. You can't tell me nothing, bro. I
was this. I was that, and you know, but you
weren't ever a jerk about it. You were just kind
of like, yeah, whatever, that's you know, when you've made
it through it and come out the other side and
someone's like yeah whatever, it's like doesn't really care. And
(04:47):
that was wrong. You cared. It's just you were like
more chill all things. The things still got done, but
just this didn't mesh. But you know, then I gotta
ask some about this whole Palm Beach kind of thing
because you're a lifer, yep, and you know, now it's
eleven years for me. But you know what's what's the
most only in Palm Beach County moment you've kind of
(05:10):
seen in the area that went out, Like you you travel,
You're like, you're not gonna see this anywhere about Palm
Beach County.
Speaker 4 (05:16):
Gosh, Honestly, there's two sides of it, right, so that
I think there's a like culture side of Palm Beach
County where, you know, growing up, when I grew up,
hip hop was huge, driving on the big twenty fours
spinners with huge dunks, which most states and counties don't
know what they are. But if you say that to
(05:37):
the South Florida guy, that they know what kind of
car you're talking about from, you know the other side
of that spectrum, it's definitely there's some even being a
lifelonger here, there's some some some areas you go into
where they're not afraid to make you feel unwelcomeed you
know you don't beside to belong on this side of
(05:57):
the island.
Speaker 3 (05:58):
Yeah, yeah, exactly, there's like clicks correct if you will.
And you know, moving down here, I was like, I'm
going to Florida and a lot of my friends from
Michigan would go to Florida, but my friends are over
on the other side, the west side. Yeah, you know,
down here we have the I ninety five corridor which
heads up the New York Philly Boston and the people
are edgy, right, They're a little bit like you have
(06:20):
to get to know them before they trust you. Where
I'm from, we open doors, smile, hug on first meeting,
stuff like that. But you know, I did a deep
dive on it. I'm like, why are they like that?
Why are they edgy? And I've come to find out,
like I really find out they live on top of
each other there, so they're really in close proximity. So
you give them their space. And now it's like some
(06:40):
of my best friends are like from Brooklyn, you know,
from mass you know, and stuff like that. So just
getting to learn and seeing it through, do you like
what kind of tell me some funny stories about these
East Coasters that kind of come down here about mortgages.
Speaker 4 (06:53):
Yeah, well it's a it's a beautiful thing for me actually,
because I was fortunate to go. You know, my colleag
was in the north these, so I have an amazing
connection with all, you know, being going up to college
in Long Island was definitely a culture shock from South Florida.
I walk slower, I talk a little different. We were
(07:14):
obviously dominated in football, so nobody wanted to go down
that chat with us. But I got to learn their personalities,
and it is there's a there's a harsher exterior, a
little bit more blunt, you know, don't really stoppen. Things
around there come right at you, and it can feel
like an attack when it's really not. So I've built
(07:36):
a really good rapport of working with people from especially
New York and Massachusetts, because that's where my college career
took me. So as soon as someone's from me, oh,
I went to Stonybrook and Long Oh I went to Fittsburg,
and oh, that's amazing, I know how to chop it
up with them to all right, like take down your walls,
you're coming here, here's the information I need for what
you're looking for, and navigate it from there.
Speaker 3 (07:58):
To make it more seamless, like you can speak their
language of urgency, speak their language of communication, especially when
it comes to finances, because you know, what's happened up there,
and again on this show we don't ever talk politics,
but what's happened up there was someone getting voted in.
I'm noticing an influx of people moving to our area.
Speaker 4 (08:14):
Yeah, there's definitely gonna be an uptick from from our category,
not not personally as much of an influx and calls
and things. I think more of the the people that
are going to be influxing from that category are maybe
not necessarily looking for like this, the traditional mortgage financing.
A lot of that, you know, higher wealth category. They're
borrowing their own money. Sure to come down and do things,
(08:36):
buying cash, things like that. But I think all in all,
for South Florida, we're going to benefit again. Yeah, West
Palm Palm Beach is booming with the tech industry. I
know there's a lot of talk of an action of
the quantum industry getting here and building things. You know,
Wall Street South is still a thing in West Palm.
(08:56):
I mean a lot of big companies that have come
here through these last five years really right, and I think,
you know, we're going to be getting into that next wave.
Speaker 3 (09:02):
You know, there's still ten thousand people a day turning
sixty five the boomers right there, they're turning six ten
thousand people a day. Last time I did my math,
that's three point six million plus people a year. And
so they save up their money. I see this affectionately squat,
So don't please, don't get offended. But they save up
their money, the move here and die right like they
(09:23):
come down here. And so we're going to get an
influx of six seven hundred thousand people a year out
of that three point six they are turning, right, So
what are you doing to the position rise mortgage to
take advantage of that, you know, of the of the
influx coming in, because again you're busy, but I know
you're always in growth mode. You have a solid team.
(09:43):
So what do you do?
Speaker 4 (09:44):
Yeah, you know, for that specific demographic, it's it's an
interesting time for them because while they're kind of in that,
you know, the new term is kind of right sizing,
you know, not so much downsized and anymore is right
sizing to their home. Whether they're you know, people that
are already here or in you know, moving and transitioning
to Florida. What they're looking for is more expensive than
(10:07):
it used to be. So in that particular category, this
is where the heck of reverse mortgage has really come
into play because it gives them the opportunity to not
dump all of their retirement assets a lot. I think,
you know, it's over sixty percent of seniors that their
wealth and retirement is in their real estate. So it's like, hey,
(10:29):
it's there, but to touch it, you got to sell
the place. And a lot of them don't have the
Social Security or pension to cover taking on a new
mortgage payment monthly payment. Right, So these particular reverse mortgage
is built exactly for them for that kind of retirement lifestyle.
You know, it's an additional tool in that.
Speaker 3 (10:48):
Because I'm still confused on what it is and people
need to know it because like what I'm hearing is
it's kind of a little bit of a savings plan,
a little bit kind of like you know, it's like
you get money off the back the mortgage, and so
it makes it easier to live financially, right, Yeah, so
tell me tell us.
Speaker 4 (11:06):
Yeah, I think the the easy kind of way to
say it is it's an additional retirement tool that the
seniors finally cashing in on, similar to a four toh
one k or an.
Speaker 3 (11:15):
Ira, and it's in the house.
Speaker 1 (11:17):
It's it's in the house, right.
Speaker 4 (11:18):
So that is where kudos to them, right, they earned,
They earned the time they put into the properties and
that amazing appreciation influx we've had these last few years,
So now's the time that they can cash in on it.
But adding that extra monthly payment is brutal, right. They
don't need that extra additional monthly debt. The reverse mortgage
(11:40):
gives them the opportunity to tap that equity into the home.
Whether it's a lump sum or monthly payments. There's a
few different ways, and it's like an increasing line of
credit over time that doesn't add a monthly payment to
their to their book.
Speaker 3 (11:52):
In the Rise mortgage team or a dynamic team over there,
you guys are starting to like every time we have
lunch or something, you're like a talk about reverse mortgages
and stuff like that. So, I mean, it's Heaven's waiting room.
I always say, you.
Speaker 4 (12:03):
Don't Yeah, it's yeah, you know, it's an amazing tool
and it's probably I mean, it's definitely the one that
has the worst reputation in our industry.
Speaker 1 (12:11):
Years ago.
Speaker 4 (12:13):
Uh, it was terrible, right, they put seniors in a
really bad spot. It was kind of right before around
twenty fourteen they put a lot more guidelines and.
Speaker 3 (12:21):
Securities in place for seniors stuff.
Speaker 1 (12:23):
Yeah.
Speaker 4 (12:23):
So you know when it was hey, here's your house,
take one hundred percent of the money out and you know,
put it into annuities, and then they just got smoked
and people were underwater and right to do.
Speaker 3 (12:33):
Yeah. Yeah, so I'm glad that there's your team and
your team's pretty much fully versed in the reverse mortgage.
Speaker 4 (12:39):
Yeah, right, for sure. You know, it's there's a lot
of information. It's not hard, but there's complexities to it, right,
and you have to know how to navigate the questions
that not only the seniors are going to have, but
their errors as well, right, because that becomes part of
the conversation when you're trying you're trying to take my
inheritance house, dude, and that's not what the case is, right,
(13:01):
So it's important conversation with that that the family is involved.
Speaker 3 (13:05):
From the bega, I do want to pick up on that,
and we're doing something a little bit unique Squad today
is I'm actually throwing it to Steve for your market
update that you get every week. Okay, send here talking
to me, So we're gonna like cut away. Let Steve
get the market update and we'll be back. And I
do want to talk a little bit about that probate
situation with what families are doing with this remorte first
mortgage thing. So stay tuned, Squad.
Speaker 1 (13:28):
Thanks Scott. Happy Saturday everyone.
Speaker 4 (13:30):
This is Steve Austin with the Rise Mortgage Dynamic Team
with your mortgage market update. As we're into this busy
holiday season, there's plenty going on with family and festivities,
but if you're one of those hopeful home buyers or
looking for that right refinance opportunity, now is also a
great time to get yourself prepared.
Speaker 1 (13:45):
To make moves.
Speaker 4 (13:46):
Whether you're looking to make moves this year or into
the new year, we would love to connect with you
and get your home ownership game plan in place.
Speaker 1 (13:53):
That's it for this week.
Speaker 4 (13:54):
This is Steve Austin, your branch manager NMLS seven six
two three two eight with the Rise Mortgage Dynamic Team
NMLS one six zero four six sixty three in equal
housing lender.
Speaker 5 (14:04):
Are you looking to finance your dream home, vacation getaway,
or an investment property. The Rise Mortgage Dynamic Team and
Company is here to help. Steve Austin and his team.
They're expert loan advisors combine local knowledge with cutting edge
technology to make your financing process efficient and seamless. Whether
it's your first home or your next investment, trust Steve
(14:27):
Austin and the Rise Mortgage Dynamic Team and Company to
guide you every step of the way. Visit them today
and experience the perfect blend of technology and personal touch.
Steve Austin's Rise Mortgage Dynamic Team your local experts in
residential financing. Call Steve today at five six one three
five two ninety two seventy eight. That's five six one
(14:51):
three five two nine two seven eight five six one
three five two nine two seven eight NMLS number one
six zero four six six three.
Speaker 3 (15:03):
Hey, Welcome back squad to level up conversations with coach
Bergie and Steve. Thanks for your update out there. I
know you're sitting here now, but you just heard from
my good friend here, Steve. Before we went to break,
we kind of talking about the reverse mortgage stuff because
it is a big thing here in the retirement communities.
You have grandson John, granddaughter Emily, whatnot Steve, and like
(15:24):
they're they're thinking, like, oh my gosh, they're pulling money
out of this house that I was supposed to get
an inheritance on, which you know, again in this day
and age, this is the first generation where kids are
not going to be better than their parents, meaning financially
and you know, outdo them, right, which is sad with
this country. Is again I don't want to go down there.
I don't do it. But these kids are seeing this
and they're seeing, oh my gosh, there goes my inheritance.
(15:46):
Is that what's really happening?
Speaker 1 (15:48):
I wouldn't word it that way.
Speaker 4 (15:49):
You know, it's I think any any son, daughter, granddaughter, right,
whoever is in line. The line of who who takes
over the home after the the the passing of the
senior is drawn out from the beginning, right, So that's
in the structure of the program.
Speaker 1 (16:05):
It's very clear who's next up and what they're.
Speaker 3 (16:09):
Are the loan. Do you guys actually find that stuff out?
Speaker 4 (16:12):
It's all set up in the closing, right, like hey,
who's the air right that this is what's going to happen.
So it's I think it's kind of presumptuous of a
of an air right that the child is to to say, well, that.
Speaker 1 (16:26):
Is my inheritance.
Speaker 4 (16:27):
Well some of it is, sure, but your parents shouldn't
suffer today because you want the full right tomorrow. I
think it's your parents have worked very hard and this
is a tool that they can utilize to enhance their
retirement and enjoy right the twilight of their life. I
(16:48):
think that is unfair for anybody to think they're they're
owed the entire you know, amount of that always a
free and clear house.
Speaker 1 (16:55):
How are you going to do that to me? It's like,
how are you going to do that to your parents?
Speaker 4 (16:58):
I think, you know, let them use the fun The
way the program is structured now, it's extremely unlikely that
a house is ever going to go underwater on the
loan bout right the reverse mortgage balance versus the value
of it at the end of the day. I can't
speak for the whole country, but I feel confident about
South Florida in particular that I don't think we're going
(17:18):
to have a housing crisis value wise, So I think
they're protected in that and I to me, it's more
important that the senior is living the they're kind of
comfortable life, comfortable enjoyable life, right, you know. Yeah, they
go and on and go to the villages and play
golf all day and have a cheap cocktail hour, go
(17:39):
get it done.
Speaker 3 (17:39):
Yeah, and have fun with it. I mean, you know,
I mean most kids are born, the parents are taking
care of you, you know, the parents. It's like kind
of like your time to like take care of them.
But I'm just curious about that because I see a
lot of people, like, you know, waiting on their parents.
Speaker 4 (17:55):
It's very common that they're like, you're trying to take
my dad's house.
Speaker 1 (18:00):
No, sounds like you are.
Speaker 3 (18:02):
So you're building to have built and or continue to build,
you know, top tier loan officers over at the Dynamic Team. Right, So,
what's what's a mindset shift? You know that you wish
every young professional on your team or even in Paul
Beach County would adopt, you know, going into this next year,
like there's gonna be some changes of the next year.
(18:23):
What mindset shift do you you'd like to see kind
of come across.
Speaker 4 (18:26):
I think it's gonna very simple. Go back to the
basics work just.
Speaker 1 (18:32):
We have we had a right.
Speaker 4 (18:37):
We had a really in reality short period of you
could go get in a car accident with somebody, say hey,
my bad.
Speaker 1 (18:44):
Do you don't happen to have a mortgage? Do you
what's your rate?
Speaker 4 (18:46):
We should refly it today today, right, turn profit out
of a car accident. Right, so now you got to
go earn it. There's less friction in what our job
is from start to finish for somebody. So with technology
and these systems and things getting into place, the mortgage
itself isn't a isn't a hard process right right, It
(19:10):
just has those complexities. At the end of the day,
this dials back to a people person connection business. And
if you're not willing to go out and put in
the work to prospect, to get in front of people,
right to actually guide someone from a high level of
what this giant financial step is that they're about to take.
(19:31):
You know, we put it wherever you want on the
American dream anymore of you know, being a homeowner. Everybody
that I've ever helped that's doing it, whether it's their
first home or their fifth home, these are still really
big checks and wires that they're.
Speaker 3 (19:44):
Sensing they're making at that point in their life.
Speaker 4 (19:46):
Mostly there's very few people that make bigger investments in that.
Speaker 3 (19:49):
Right.
Speaker 4 (19:50):
We have social media and you get to see the
people you know ten x in this or you know,
I sold my business. Right, it sounds good, but that
person still right buying that five hundred thousand dollars home,
that has to initiate a wire of seventy thousand dollars
to the bank that they've been saving and holding on to. Right,
It's big, and they need to understand the whole picture
(20:11):
of it, not just what's my interest rate, what's my
monthly pain?
Speaker 3 (20:16):
Right?
Speaker 1 (20:17):
What is it doing for you over the long term?
Speaker 3 (20:20):
Right?
Speaker 1 (20:20):
What is this changing in your life that you're trying
to do?
Speaker 3 (20:23):
Right?
Speaker 4 (20:23):
To build everything in your your whole financial future, the
big picture matters today matters too, Right, So we got
to focus on like where are you at today? Where
do you want to get? And like we got to
bridge that in between.
Speaker 3 (20:36):
Right, And that's what I love about you know, Steve's
team is that he's not just gonna like he's not
a head cet phone jockey guy that's just going to
just churn you through. He's going to make sure that
what he gets what mortgage or whatnot you're put into.
It's going to make sense for you, not only now
but in the future, right because the whole adage of
you know, planning to live to one hundred, but live
(20:58):
today like in the present. I talk about that a lot.
Speaker 1 (21:02):
And it's hard.
Speaker 4 (21:03):
You know, we talked about it, you know, in our coaching.
I'm very fortunate to have have Scott as a coach
and bring things to light that maybe you don't want
to doubly tackle.
Speaker 1 (21:15):
But he kind of fortunes you to.
Speaker 4 (21:17):
And you know, being present in the speed of that
we have in this world today, I mean to me,
it gets harder and harder. There's so many distractions and
pings and dings and emails and this and that, and
I you know, the knowledge nugget you dropped in the beginning,
I mean, it really hits home. So I mean to me,
and I'm sure a lot of people listening that like,
(21:38):
grandiose ideas are easy and with chat, GPT and the
AIS and everything. I was just talking to some people
the other day, Oh it's amazing. Well, you know, in
chats it's a beautiful tool, but you can also get
lost in it because how many times have you written
a prompt and it's like and it's your idea and
you're like, hey, would you also like me too? And
you're like, oh my god, yeah, And then it does
that and say, hey, guess what I did that?
Speaker 1 (21:59):
Would you also like that? And they're like, oh my god, yes,
and you just yes.
Speaker 4 (22:03):
It until you don't even know what you're building no more.
There's not even a way to implement. You're looking at
step eighty seven and you're at starting and how did
I get here?
Speaker 3 (22:12):
Yeah? That's that is a it's a real rabbit hole,
you know. And I'm bringing in in January, flying him
in a chat or AI expert. He's the one that's
really like ramped up my coaching business and set up
agencies on my chat, so like I'm continuously drumming up business,
which is pretty cool. Yeah, and he breaks it down
(22:33):
into English. So thank you for paying for that?
Speaker 1 (22:36):
Yeah, I mean yeah, I had to drive here myself.
Speaker 3 (22:40):
So you know, you do, though, have a reputation for accountability,
you know and execution. What what's a funny way you've
had to hold your team accountable that perfectly captures the
palm beach vibe, Like you know what I'm saying, because
in squad, if you're listening from out of town, it's
it's a different world here in Palm Beach, you know,
but there's just some fun stuff that happens. But they'm
(23:01):
kind of something funny where you had to hold your
team or someone accountable here in Palm Beach.
Speaker 4 (23:06):
You know, from a team perspective, I'm really fortunate we've
done a good job of hiring within our culture and
like minded people that listen. I love Palm Beach. I
don't I'm never going to live full time anywhere else.
Speaker 3 (23:21):
This is.
Speaker 1 (23:22):
This is always going to be home.
Speaker 4 (23:23):
This is I think, a wildly unique place that doesn't
compare to anywhere else. I think it's more of the
right presumptuous people. I think it falls in more of
the client category, where a client will tell me what
I don't need for their file, or like you know,
an underwriter asks or something and they're like, oh no,
(23:43):
you don't need that.
Speaker 1 (23:44):
I'm like, oh well, thank god.
Speaker 4 (23:46):
Let me call Fanny May and tell them that Carl
said we don't need this anymore. Right, So that's usually
what we're getting or have to, you know, battle from
the client side and part of it is there's just
too much much information online, so much people that's.
Speaker 3 (24:03):
Squad is key. Get with a professional, give with Steve.
I mean, he's somebody that I've trusted again with my
clients for eleven years. Man. It's just crazy how fast,
you know, time goes. But you know, so I have
I do have to ask you though, So your team, Ashley, Dana, Emily,
(24:23):
which one's the best?
Speaker 5 (24:25):
You know.
Speaker 3 (24:28):
It's not me. I know that they do make you shine.
Speaker 4 (24:32):
Brother, That's that's been the goal the whole time. You know,
it's a team background. I can't do without anybody, right,
I like to think they can't do it without me.
But you know, everybody is the best at their individual thing.
Speaker 1 (24:47):
You know.
Speaker 4 (24:47):
I think we all have our strength and weaknesses and
everybody brings something unique to the table. And that's kind
of the beauty of what this industry is and like
what it can afford. You know, there is kind of
no limit to who can get into it. It's income, assets, credit,
(25:07):
that's all. But the person who's attached to that is
what's wildly different. Whether they have a super complex situation
they own nine investment properties and have six businesses, or
they're a simple person in a W two one bank
account like super simple, easy, and.
Speaker 1 (25:29):
They may relate great to Dana and not to me.
Speaker 4 (25:33):
They have great conversations with Ashley, but connect really good
with me on the financial side. I would like to
talk to me about the financials. So we're able to
kind of blend and work off each other, which I
think is the ultimate you know the thing. We're not
competition to each other. We're here for everyone to grow.
I can't wait for everybody on the team to continue
(25:54):
to produce more than I am and let me just.
Speaker 1 (25:59):
Sail off in the sun there. Yeah, yeah, you know
where we're going. I love to go back to Rome
and kick it.
Speaker 3 (26:04):
Yeah that yeah, that. That was a fun weekend. I'm
watching you guys. I was in New York, You're in
Rome and like, what are we doing out of challenges
for a weekend? That's weny. So if we wind things down, man,
how can we find your brother?
Speaker 4 (26:15):
So easiest way to find me is, uh, you better
run fast because I'm.
Speaker 3 (26:20):
Really kid has wheels to the track a few weeks
ago and I was like, this kid's still flying.
Speaker 4 (26:26):
So you know social media, Steve dot Dynamic, my Dynamic
team is our social page, website, my Dynamic Team dot com.
We're based right into Questa where our office is local
people born and raised here. We have a you know,
a big influence and just look forward to continuing to
(26:47):
help everyone we can, even if it's just conversationally. You
know it's yeah, not here to do everybody's deal. I
know that's not what this industry is. But I'm here
to help everybody I can.
Speaker 3 (26:56):
Absolutely. That's one thing that you pour into people is
the service you provide and squad again, that's my Dynamic
Team dot com. My Dynamic Team dot com and phone number.
Speaker 4 (27:07):
Office lines of best five six one two five zero
six zero four four.
Speaker 3 (27:11):
Say that again.
Speaker 1 (27:12):
Five six one two five zero six zero four four.
Speaker 3 (27:16):
Thank you so much man, Thank you so much for
sponsoring what you do for us. Definitely out of this
community everything you do. Absolute love you guts man. Have
great holidays and see you in twenty six. You know
it
Are you ready to level up?
Speaker 2 (00:03):
Do you wish to live a life of options and
not obligations? You've gone to the right place. Thank you
for stopping on by to hear knowledge nuggets from Coach
Fergie and his top tier guest to help you lean
into your ultimate human potential.
Speaker 3 (00:17):
Now let's level up with Coach Fergie pay versusy Squad.
Welcome back to another powerful edition of Level of Conversation
with Coach Fergie with time to Shine Today Coaching. I'm
your host, Scott Ferguson bless to be your gap coach
specialized in performance mental conditioning, working with business leaders, entrepreneurs, entertainers, athletes,
c suite and students to help them bridge their success
gap to live a life of options and not obligations.
On this platform, we're still to bring you high performers
(00:40):
who are not just changing and chasing and at teaming success,
but redefining it through providing above and beyond service and
real quick knowledge. Get this week as working with a
client here locally in Palm Beach. You know ow ITN's
a solid company. Smart guy, big heart built everything from
the ground up and every time he talks, strategy comes
out of the gate blazing. Day one, he's unstoppable. Seven
(01:00):
he's distracted. Day thirty he's wondering why nothing is moving.
And it hit me he wasn't struggling with capability. He
was struggling with confusion. He was confusing activity with progress. See,
anybody can show up piped on day one. Anyone can
scribble goals, build plans, make noise, post motivational messages pound
their chests. But progress, real progress, is quieter. It's on sexy.
It's repetition. It's choosing the next right action when nobody's watching.
(01:23):
It's saying no to the distractions that feel productive but
aren't moving the ball an inch. We sat down talked
about that. I told them, man, your job isn't to
do more. Your job is to finish what matters. Because
a storm of activity without direction is just chaos in motion.
Progress only shows up when intention becomes execution and execution
becomes completion. And that's the trap. So many people in business,
(01:45):
especially this time of the year, falling into They stay busy,
they stay moving, they stay loud, but they're not advancing.
They're on the treadmill, not the trail. Activity burns energy,
progress builds futures. So if you're listening right now heading
into backstretch at twenty twenty five into twenty twenty six,
ask yourself, am I actually moving forward? Or am I
just moving? When you stop performing for the appearance of
(02:06):
effort and start committing to finishing what you start, everything changes.
My client is already seeing that, which is pretty awesome
by the way you came through there. Rick, his team
feels it, his customers feel it, and most importantly, he
feels it. So don't confuse activity with progress. One drains you,
the other builds. You choose the one that moves your
life forward and talk about moving forward and to the
(02:27):
end of this year into the new year, this is
gonna be pretty much our last kind of like live
show of twenty twenty five. But we're leveling up with
a guy, one of my best friends here in South Forward.
I've met him now ten eleven years ago. He's in
the mortgage business. He's not just in it, he's reshaping it.
Steve Austin, or six Mills as i'd like to Colms,
a thirteen year mortgage powerhouse, has turned the chaos of
(02:48):
home financing into confidence, clarity, and straight up wins for
families all across Florida. He's built a reputation for a
high energy execution, no nonsense guidance, and the rare ability
to take something complex and make it feel simple, doable,
and empowering. He's a founder and driving force behind the
Dynamic team at Rise Mortgage, one of the fastest growing,
hardest charging mortgage teams in the entire state. He he's
(03:09):
building a culture where execution matters, accountability of standard, and
big results are non negotiable. He develops top tier loan officers,
delivers client experiences that redefine the industry and raise the
bar every single day. And like I said, we meet
up here once a month or so have a chat,
and I'm blessed to coach Steve for a little bit
and seeing him like he was already like blossoming, but
(03:31):
just like he's helped me take meta levels, and I'm
you know, I think I've helped take him a little
bit levels. We look welcome back in also squad. He's
our sponsor here to the show, So thank you so
much for doing that coming through. I remember when I
asked you, I was like, I don't know if Steve
will want to do it. But you're like, dude, let's
do it children the demographics, and yeah, let's do this thing.
You know of that, So tell me what's been going on. Brother.
Speaker 4 (03:53):
It's a I mean, first of all, God, great introduction.
I guess technically I did pay you for to say.
You know, I think it still genuinely came from the heart. Yeah,
I appreciate it. Our friendship has definitely.
Speaker 1 (04:07):
Come a long way. Yeah, we Uh.
Speaker 4 (04:11):
I kind of gave Scott the chance to run into
the younger version of hisself when we first met, to like, oh,
I know, a guy like that, little young cocky take
over the world. But here we are, we are ten
plus years later.
Speaker 3 (04:25):
Yeah, I tell you, I'm proud of you. We're coming.
The only reason why I can say that is because
I was that. You know what I'm saying. Yeah, I
was like that. You can't tell me nothing, bro. I
was this. I was that, and you know, but you
weren't ever a jerk about it. You were just kind
of like, yeah, whatever, that's you know, when you've made
it through it and come out the other side and
someone's like yeah whatever, it's like doesn't really care. And
(04:47):
that was wrong. You cared. It's just you were like
more chill all things. The things still got done, but
just this didn't mesh. But you know, then I gotta
ask some about this whole Palm Beach kind of thing
because you're a lifer, yep, and you know, now it's
eleven years for me. But you know what's what's the
most only in Palm Beach County moment you've kind of
(05:10):
seen in the area that went out, Like you you travel,
You're like, you're not gonna see this anywhere about Palm
Beach County.
Speaker 4 (05:16):
Gosh, Honestly, there's two sides of it, right, so that
I think there's a like culture side of Palm Beach
County where, you know, growing up, when I grew up,
hip hop was huge, driving on the big twenty fours
spinners with huge dunks, which most states and counties don't
know what they are. But if you say that to
(05:37):
the South Florida guy, that they know what kind of
car you're talking about from, you know the other side
of that spectrum, it's definitely there's some even being a
lifelonger here, there's some some some areas you go into
where they're not afraid to make you feel unwelcomeed you
know you don't beside to belong on this side of
(05:57):
the island.
Speaker 3 (05:58):
Yeah, yeah, exactly, there's like clicks correct if you will.
And you know, moving down here, I was like, I'm
going to Florida and a lot of my friends from
Michigan would go to Florida, but my friends are over
on the other side, the west side. Yeah, you know,
down here we have the I ninety five corridor which
heads up the New York Philly Boston and the people
are edgy, right, They're a little bit like you have
(06:20):
to get to know them before they trust you. Where
I'm from, we open doors, smile, hug on first meeting,
stuff like that. But you know, I did a deep
dive on it. I'm like, why are they like that?
Why are they edgy? And I've come to find out,
like I really find out they live on top of
each other there, so they're really in close proximity. So
you give them their space. And now it's like some
(06:40):
of my best friends are like from Brooklyn, you know,
from mass you know, and stuff like that. So just
getting to learn and seeing it through, do you like
what kind of tell me some funny stories about these
East Coasters that kind of come down here about mortgages.
Speaker 4 (06:53):
Yeah, well it's a it's a beautiful thing for me actually,
because I was fortunate to go. You know, my colleag
was in the north these, so I have an amazing
connection with all, you know, being going up to college
in Long Island was definitely a culture shock from South Florida.
I walk slower, I talk a little different. We were
(07:14):
obviously dominated in football, so nobody wanted to go down
that chat with us. But I got to learn their personalities,
and it is there's a there's a harsher exterior, a
little bit more blunt, you know, don't really stoppen. Things
around there come right at you, and it can feel
like an attack when it's really not. So I've built
(07:36):
a really good rapport of working with people from especially
New York and Massachusetts, because that's where my college career
took me. So as soon as someone's from me, oh,
I went to Stonybrook and Long Oh I went to Fittsburg,
and oh, that's amazing, I know how to chop it
up with them to all right, like take down your walls,
you're coming here, here's the information I need for what
you're looking for, and navigate it from there.
Speaker 3 (07:58):
To make it more seamless, like you can speak their
language of urgency, speak their language of communication, especially when
it comes to finances, because you know, what's happened up there,
and again on this show we don't ever talk politics,
but what's happened up there was someone getting voted in.
I'm noticing an influx of people moving to our area.
Speaker 4 (08:14):
Yeah, there's definitely gonna be an uptick from from our category,
not not personally as much of an influx and calls
and things. I think more of the the people that
are going to be influxing from that category are maybe
not necessarily looking for like this, the traditional mortgage financing.
A lot of that, you know, higher wealth category. They're
borrowing their own money. Sure to come down and do things,
(08:36):
buying cash, things like that. But I think all in all,
for South Florida, we're going to benefit again. Yeah, West
Palm Palm Beach is booming with the tech industry. I
know there's a lot of talk of an action of
the quantum industry getting here and building things. You know,
Wall Street South is still a thing in West Palm.
(08:56):
I mean a lot of big companies that have come
here through these last five years really right, and I think,
you know, we're going to be getting into that next wave.
Speaker 3 (09:02):
You know, there's still ten thousand people a day turning
sixty five the boomers right there, they're turning six ten
thousand people a day. Last time I did my math,
that's three point six million plus people a year. And
so they save up their money. I see this affectionately squat,
So don't please, don't get offended. But they save up
their money, the move here and die right like they
(09:23):
come down here. And so we're going to get an
influx of six seven hundred thousand people a year out
of that three point six they are turning, right, So
what are you doing to the position rise mortgage to
take advantage of that, you know, of the of the
influx coming in, because again you're busy, but I know
you're always in growth mode. You have a solid team.
(09:43):
So what do you do?
Speaker 4 (09:44):
Yeah, you know, for that specific demographic, it's it's an
interesting time for them because while they're kind of in that,
you know, the new term is kind of right sizing,
you know, not so much downsized and anymore is right
sizing to their home. Whether they're you know, people that
are already here or in you know, moving and transitioning
to Florida. What they're looking for is more expensive than
(10:07):
it used to be. So in that particular category, this
is where the heck of reverse mortgage has really come
into play because it gives them the opportunity to not
dump all of their retirement assets a lot. I think,
you know, it's over sixty percent of seniors that their
wealth and retirement is in their real estate. So it's like, hey,
(10:29):
it's there, but to touch it, you got to sell
the place. And a lot of them don't have the
Social Security or pension to cover taking on a new
mortgage payment monthly payment. Right, So these particular reverse mortgage
is built exactly for them for that kind of retirement lifestyle.
You know, it's an additional tool in that.
Speaker 3 (10:48):
Because I'm still confused on what it is and people
need to know it because like what I'm hearing is
it's kind of a little bit of a savings plan,
a little bit kind of like you know, it's like
you get money off the back the mortgage, and so
it makes it easier to live financially, right, Yeah, so
tell me tell us.
Speaker 4 (11:06):
Yeah, I think the the easy kind of way to
say it is it's an additional retirement tool that the
seniors finally cashing in on, similar to a four toh
one k or an.
Speaker 3 (11:15):
Ira, and it's in the house.
Speaker 1 (11:17):
It's it's in the house, right.
Speaker 4 (11:18):
So that is where kudos to them, right, they earned,
They earned the time they put into the properties and
that amazing appreciation influx we've had these last few years,
So now's the time that they can cash in on it.
But adding that extra monthly payment is brutal, right. They
don't need that extra additional monthly debt. The reverse mortgage
(11:40):
gives them the opportunity to tap that equity into the home.
Whether it's a lump sum or monthly payments. There's a
few different ways, and it's like an increasing line of
credit over time that doesn't add a monthly payment to
their to their book.
Speaker 3 (11:52):
In the Rise mortgage team or a dynamic team over there,
you guys are starting to like every time we have
lunch or something, you're like a talk about reverse mortgages
and stuff like that. So, I mean, it's Heaven's waiting room.
I always say, you.
Speaker 4 (12:03):
Don't Yeah, it's yeah, you know, it's an amazing tool
and it's probably I mean, it's definitely the one that
has the worst reputation in our industry.
Speaker 1 (12:11):
Years ago.
Speaker 4 (12:13):
Uh, it was terrible, right, they put seniors in a
really bad spot. It was kind of right before around
twenty fourteen they put a lot more guidelines and.
Speaker 3 (12:21):
Securities in place for seniors stuff.
Speaker 1 (12:23):
Yeah.
Speaker 4 (12:23):
So you know when it was hey, here's your house,
take one hundred percent of the money out and you know,
put it into annuities, and then they just got smoked
and people were underwater and right to do.
Speaker 3 (12:33):
Yeah. Yeah, so I'm glad that there's your team and
your team's pretty much fully versed in the reverse mortgage.
Speaker 4 (12:39):
Yeah, right, for sure. You know, it's there's a lot
of information. It's not hard, but there's complexities to it, right,
and you have to know how to navigate the questions
that not only the seniors are going to have, but
their errors as well, right, because that becomes part of
the conversation when you're trying you're trying to take my
inheritance house, dude, and that's not what the case is, right,
(13:01):
So it's important conversation with that that the family is involved.
Speaker 3 (13:05):
From the bega, I do want to pick up on that,
and we're doing something a little bit unique Squad today
is I'm actually throwing it to Steve for your market
update that you get every week. Okay, send here talking
to me, So we're gonna like cut away. Let Steve
get the market update and we'll be back. And I
do want to talk a little bit about that probate
situation with what families are doing with this remorte first
mortgage thing. So stay tuned, Squad.
Speaker 1 (13:28):
Thanks Scott. Happy Saturday everyone.
Speaker 4 (13:30):
This is Steve Austin with the Rise Mortgage Dynamic Team
with your mortgage market update. As we're into this busy
holiday season, there's plenty going on with family and festivities,
but if you're one of those hopeful home buyers or
looking for that right refinance opportunity, now is also a
great time to get yourself prepared.
Speaker 1 (13:45):
To make moves.
Speaker 4 (13:46):
Whether you're looking to make moves this year or into
the new year, we would love to connect with you
and get your home ownership game plan in place.
Speaker 1 (13:53):
That's it for this week.
Speaker 4 (13:54):
This is Steve Austin, your branch manager NMLS seven six
two three two eight with the Rise Mortgage Dynamic Team
NMLS one six zero four six sixty three in equal
housing lender.
Speaker 5 (14:04):
Are you looking to finance your dream home, vacation getaway,
or an investment property. The Rise Mortgage Dynamic Team and
Company is here to help. Steve Austin and his team.
They're expert loan advisors combine local knowledge with cutting edge
technology to make your financing process efficient and seamless. Whether
it's your first home or your next investment, trust Steve
(14:27):
Austin and the Rise Mortgage Dynamic Team and Company to
guide you every step of the way. Visit them today
and experience the perfect blend of technology and personal touch.
Steve Austin's Rise Mortgage Dynamic Team your local experts in
residential financing. Call Steve today at five six one three
five two ninety two seventy eight. That's five six one
(14:51):
three five two nine two seven eight five six one
three five two nine two seven eight NMLS number one
six zero four six six three.
Speaker 3 (15:03):
Hey, Welcome back squad to level up conversations with coach
Bergie and Steve. Thanks for your update out there. I
know you're sitting here now, but you just heard from
my good friend here, Steve. Before we went to break,
we kind of talking about the reverse mortgage stuff because
it is a big thing here in the retirement communities.
You have grandson John, granddaughter Emily, whatnot Steve, and like
(15:24):
they're they're thinking, like, oh my gosh, they're pulling money
out of this house that I was supposed to get
an inheritance on, which you know, again in this day
and age, this is the first generation where kids are
not going to be better than their parents, meaning financially
and you know, outdo them, right, which is sad with
this country. Is again I don't want to go down there.
I don't do it. But these kids are seeing this
and they're seeing, oh my gosh, there goes my inheritance.
(15:46):
Is that what's really happening?
Speaker 1 (15:48):
I wouldn't word it that way.
Speaker 4 (15:49):
You know, it's I think any any son, daughter, granddaughter, right,
whoever is in line. The line of who who takes
over the home after the the the passing of the
senior is drawn out from the beginning, right, So that's
in the structure of the program.
Speaker 1 (16:05):
It's very clear who's next up and what they're.
Speaker 3 (16:09):
Are the loan. Do you guys actually find that stuff out?
Speaker 4 (16:12):
It's all set up in the closing, right, like hey,
who's the air right that this is what's going to happen.
So it's I think it's kind of presumptuous of a
of an air right that the child is to to say, well, that.
Speaker 1 (16:26):
Is my inheritance.
Speaker 4 (16:27):
Well some of it is, sure, but your parents shouldn't
suffer today because you want the full right tomorrow. I
think it's your parents have worked very hard and this
is a tool that they can utilize to enhance their
retirement and enjoy right the twilight of their life. I
(16:48):
think that is unfair for anybody to think they're they're
owed the entire you know, amount of that always a
free and clear house.
Speaker 1 (16:55):
How are you going to do that to me? It's like,
how are you going to do that to your parents?
Speaker 4 (16:58):
I think, you know, let them use the fun The
way the program is structured now, it's extremely unlikely that
a house is ever going to go underwater on the
loan bout right the reverse mortgage balance versus the value
of it at the end of the day. I can't
speak for the whole country, but I feel confident about
South Florida in particular that I don't think we're going
(17:18):
to have a housing crisis value wise, So I think
they're protected in that and I to me, it's more
important that the senior is living the they're kind of
comfortable life, comfortable enjoyable life, right, you know. Yeah, they
go and on and go to the villages and play
golf all day and have a cheap cocktail hour, go
(17:39):
get it done.
Speaker 3 (17:39):
Yeah, and have fun with it. I mean, you know,
I mean most kids are born, the parents are taking
care of you, you know, the parents. It's like kind
of like your time to like take care of them.
But I'm just curious about that because I see a
lot of people, like, you know, waiting on their parents.
Speaker 4 (17:55):
It's very common that they're like, you're trying to take
my dad's house.
Speaker 1 (18:00):
No, sounds like you are.
Speaker 3 (18:02):
So you're building to have built and or continue to build,
you know, top tier loan officers over at the Dynamic Team. Right, So,
what's what's a mindset shift? You know that you wish
every young professional on your team or even in Paul
Beach County would adopt, you know, going into this next year,
like there's gonna be some changes of the next year.
(18:23):
What mindset shift do you you'd like to see kind
of come across.
Speaker 4 (18:26):
I think it's gonna very simple. Go back to the
basics work just.
Speaker 1 (18:32):
We have we had a right.
Speaker 4 (18:37):
We had a really in reality short period of you
could go get in a car accident with somebody, say hey,
my bad.
Speaker 1 (18:44):
Do you don't happen to have a mortgage? Do you
what's your rate?
Speaker 4 (18:46):
We should refly it today today, right, turn profit out
of a car accident. Right, so now you got to
go earn it. There's less friction in what our job
is from start to finish for somebody. So with technology
and these systems and things getting into place, the mortgage
itself isn't a isn't a hard process right right, It
(19:10):
just has those complexities. At the end of the day,
this dials back to a people person connection business. And
if you're not willing to go out and put in
the work to prospect, to get in front of people,
right to actually guide someone from a high level of
what this giant financial step is that they're about to take.
(19:31):
You know, we put it wherever you want on the
American dream anymore of you know, being a homeowner. Everybody
that I've ever helped that's doing it, whether it's their
first home or their fifth home, these are still really
big checks and wires that they're.
Speaker 3 (19:44):
Sensing they're making at that point in their life.
Speaker 4 (19:46):
Mostly there's very few people that make bigger investments in that.
Speaker 3 (19:49):
Right.
Speaker 4 (19:50):
We have social media and you get to see the
people you know ten x in this or you know,
I sold my business. Right, it sounds good, but that
person still right buying that five hundred thousand dollars home,
that has to initiate a wire of seventy thousand dollars
to the bank that they've been saving and holding on to. Right,
It's big, and they need to understand the whole picture
(20:11):
of it, not just what's my interest rate, what's my
monthly pain?
Speaker 3 (20:16):
Right?
Speaker 1 (20:17):
What is it doing for you over the long term?
Speaker 3 (20:20):
Right?
Speaker 1 (20:20):
What is this changing in your life that you're trying
to do?
Speaker 3 (20:23):
Right?
Speaker 4 (20:23):
To build everything in your your whole financial future, the
big picture matters today matters too, Right, So we got
to focus on like where are you at today? Where
do you want to get? And like we got to
bridge that in between.
Speaker 3 (20:36):
Right, And that's what I love about you know, Steve's
team is that he's not just gonna like he's not
a head cet phone jockey guy that's just going to
just churn you through. He's going to make sure that
what he gets what mortgage or whatnot you're put into.
It's going to make sense for you, not only now
but in the future, right because the whole adage of
you know, planning to live to one hundred, but live
(20:58):
today like in the present. I talk about that a lot.
Speaker 1 (21:02):
And it's hard.
Speaker 4 (21:03):
You know, we talked about it, you know, in our coaching.
I'm very fortunate to have have Scott as a coach
and bring things to light that maybe you don't want
to doubly tackle.
Speaker 1 (21:15):
But he kind of fortunes you to.
Speaker 4 (21:17):
And you know, being present in the speed of that
we have in this world today, I mean to me,
it gets harder and harder. There's so many distractions and
pings and dings and emails and this and that, and
I you know, the knowledge nugget you dropped in the beginning,
I mean, it really hits home. So I mean to me,
and I'm sure a lot of people listening that like,
(21:38):
grandiose ideas are easy and with chat, GPT and the
AIS and everything. I was just talking to some people
the other day, Oh it's amazing. Well, you know, in
chats it's a beautiful tool, but you can also get
lost in it because how many times have you written
a prompt and it's like and it's your idea and
you're like, hey, would you also like me too? And
you're like, oh my god, yeah, And then it does
that and say, hey, guess what I did that?
Speaker 1 (21:59):
Would you also like that? And they're like, oh my god, yes,
and you just yes.
Speaker 4 (22:03):
It until you don't even know what you're building no more.
There's not even a way to implement. You're looking at
step eighty seven and you're at starting and how did
I get here?
Speaker 3 (22:12):
Yeah? That's that is a it's a real rabbit hole,
you know. And I'm bringing in in January, flying him
in a chat or AI expert. He's the one that's
really like ramped up my coaching business and set up
agencies on my chat, so like I'm continuously drumming up business,
which is pretty cool. Yeah, and he breaks it down
(22:33):
into English. So thank you for paying for that?
Speaker 1 (22:36):
Yeah, I mean yeah, I had to drive here myself.
Speaker 3 (22:40):
So you know, you do, though, have a reputation for accountability,
you know and execution. What what's a funny way you've
had to hold your team accountable that perfectly captures the
palm beach vibe, Like you know what I'm saying, because
in squad, if you're listening from out of town, it's
it's a different world here in Palm Beach, you know,
but there's just some fun stuff that happens. But they'm
(23:01):
kind of something funny where you had to hold your
team or someone accountable here in Palm Beach.
Speaker 4 (23:06):
You know, from a team perspective, I'm really fortunate we've
done a good job of hiring within our culture and
like minded people that listen. I love Palm Beach. I
don't I'm never going to live full time anywhere else.
Speaker 3 (23:21):
This is.
Speaker 1 (23:22):
This is always going to be home.
Speaker 4 (23:23):
This is I think, a wildly unique place that doesn't
compare to anywhere else. I think it's more of the
right presumptuous people. I think it falls in more of
the client category, where a client will tell me what
I don't need for their file, or like you know,
an underwriter asks or something and they're like, oh no,
(23:43):
you don't need that.
Speaker 1 (23:44):
I'm like, oh well, thank god.
Speaker 4 (23:46):
Let me call Fanny May and tell them that Carl
said we don't need this anymore. Right, So that's usually
what we're getting or have to, you know, battle from
the client side and part of it is there's just
too much much information online, so much people that's.
Speaker 3 (24:03):
Squad is key. Get with a professional, give with Steve.
I mean, he's somebody that I've trusted again with my
clients for eleven years. Man. It's just crazy how fast,
you know, time goes. But you know, so I have
I do have to ask you though, So your team, Ashley, Dana, Emily,
(24:23):
which one's the best?
Speaker 5 (24:25):
You know.
Speaker 3 (24:28):
It's not me. I know that they do make you shine.
Speaker 4 (24:32):
Brother, That's that's been the goal the whole time. You know,
it's a team background. I can't do without anybody, right,
I like to think they can't do it without me.
But you know, everybody is the best at their individual thing.
Speaker 1 (24:47):
You know.
Speaker 4 (24:47):
I think we all have our strength and weaknesses and
everybody brings something unique to the table. And that's kind
of the beauty of what this industry is and like
what it can afford. You know, there is kind of
no limit to who can get into it. It's income, assets, credit,
(25:07):
that's all. But the person who's attached to that is
what's wildly different. Whether they have a super complex situation
they own nine investment properties and have six businesses, or
they're a simple person in a W two one bank
account like super simple, easy, and.
Speaker 1 (25:29):
They may relate great to Dana and not to me.
Speaker 4 (25:33):
They have great conversations with Ashley, but connect really good
with me on the financial side. I would like to
talk to me about the financials. So we're able to
kind of blend and work off each other, which I
think is the ultimate you know the thing. We're not
competition to each other. We're here for everyone to grow.
I can't wait for everybody on the team to continue
(25:54):
to produce more than I am and let me just.
Speaker 1 (25:59):
Sail off in the sun there. Yeah, yeah, you know
where we're going. I love to go back to Rome
and kick it.
Speaker 3 (26:04):
Yeah that yeah, that. That was a fun weekend. I'm
watching you guys. I was in New York, You're in
Rome and like, what are we doing out of challenges
for a weekend? That's weny. So if we wind things down, man,
how can we find your brother?
Speaker 4 (26:15):
So easiest way to find me is, uh, you better
run fast because I'm.
Speaker 3 (26:20):
Really kid has wheels to the track a few weeks
ago and I was like, this kid's still flying.
Speaker 4 (26:26):
So you know social media, Steve dot Dynamic, my Dynamic
team is our social page, website, my Dynamic Team dot com.
We're based right into Questa where our office is local
people born and raised here. We have a you know,
a big influence and just look forward to continuing to
(26:47):
help everyone we can, even if it's just conversationally. You
know it's yeah, not here to do everybody's deal. I
know that's not what this industry is. But I'm here
to help everybody I can.
Speaker 3 (26:56):
Absolutely. That's one thing that you pour into people is
the service you provide and squad again, that's my Dynamic
Team dot com. My Dynamic Team dot com and phone number.
Speaker 4 (27:07):
Office lines of best five six one two five zero
six zero four four.
Speaker 3 (27:11):
Say that again.
Speaker 1 (27:12):
Five six one two five zero six zero four four.
Speaker 3 (27:16):
Thank you so much man, Thank you so much for
sponsoring what you do for us. Definitely out of this
community everything you do. Absolute love you guts man. Have
great holidays and see you in twenty six. You know
it
Popular Podcasts
Two Guys, Five Rings: Matt, Bowen & The Olympics
Two Guys (Bowen Yang and Matt Rogers). Five Rings (you know, from the Olympics logo). One essential podcast for the 2026 Milan-Cortina Winter Olympics. Bowen Yang (SNL, Wicked) and Matt Rogers (Palm Royale, No Good Deed) of Las Culturistas are back for a second season of Two Guys, Five Rings, a collaboration with NBC Sports and iHeartRadio. In this 15-episode event, Bowen and Matt discuss the top storylines, obsess over Italian culture, and find out what really goes on in the Olympic Village.
iHeartOlympics: The Latest
Listen to the latest news from the 2026 Winter Olympics.
Milan Cortina Winter Olympics
The 2026 Winter Olympics in Milan Cortina are here and have everyone talking. iHeartPodcasts is buzzing with content in honor of the XXV Winter Olympics We’re bringing you episodes from a variety of iHeartPodcast shows to help you keep up with the action. Follow Milan Cortina Winter Olympics so you don’t miss any coverage of the 2026 Winter Olympics, and if you like what you hear, be sure to follow each Podcast in the feed for more great content from iHeartPodcasts.