192 – He overcame the real estate crash: Tom interviews Shane Willis

Episode 192 – Shane Willis
[00:00:09] Welcome to Screw the Commute. The entrepreneurial podcast dedicated to getting you out of the car and into the money, with your host, lifelong entrepreneur and multimillionaire, Tom Antion.

[00:00:24] Hey, everybody, it's Tom here with episode 192 of Screw the Commute podcast. We're here with Shane Willis. And this guy is going to tell you how to make big comebacks when life knocks you down. So so stay tuned for that. I'll introduce him to you in a moment. Hope you didn't miss Episode 191. We got intimate with intimacy expert Allana Pratt. Don't get too excited. It wasn't an explicit episode, but she's the expert in helping people come back from extreme losses and heartbreak. So make sure you check that out. Now make sure you get our podcast app. It's in the app store. It allow you do all kinds of cool stuff with taking us on the road with your cell phone and tablets so you can also go to screwthecommute.com/app and we have complete instructions on how to download and use it. Now to thank you for listening. Make sure you grab a copy of our e-book, How to Automate Your Business. And just one of the tips in this e-book has saved me over seven and a half million keystrokes and allowed me to handle up to a hundred and fifty thousand subscribers and 40000 customers without pulling my hair out. So we sell this e-book for twenty seven bucks, but it's yours free as my thanks for listening. And while you're on the download page, we have another special white paper with some information that people charge in four, five and six thousand bucks for. But I'm giving it to you for free. I'll surprise you with that. But you can grab all that at screwthecommute.com/automatefree. Our sponsor's the Internet Marketing Training Center of Virginia it's a Distance Learning School, which teaches legitimate techniques to make a great living, either working for someone else, starting your own online business or both. Now we just got approved by the Department of Defense for a military spouse program and we give big scholarships to all military, active duty and veterans and law enforcement and first responders. So check that all out at IMTCVA.org. If you're military hit slash military and they'll tell you all about that. And I really don't want you to get robbed in your family's higher education quest so be sure to watch the higher education webinar at screwthecommute.com. Just click on webinars and I'll have more details about that later.

[00:02:59] All right. Let's get to the main event. Shane Willis is an Army veteran and entrepreneur who has had it all, lost at all and had to fight to get it back. And after losing everything with the mortgage crash, Shane had to learn different rules of the financial game. And now he teaches others those rules he wished he would have known then. Shane, are you ready to screw? The commute?

[00:03:28] Just let you finish that sentence.

[00:03:29] Are you a screw in the closet or come out of the closet? I know this is a sound booth is the perfect fit, a big walking closets.

[00:03:40] I had a quick surgery yesterday, so still slightly drugged up and.

[00:03:45] Oh, good, good. That's right. You probably do better than most guests. Right. So tell everybody what you're doing now and then we'll take you back and see how you came up through the ranks.

[00:03:55] Sure. What I'm actually doing right now is called purpose driven profits. I'm actually teaching a lot of different people I just started teaching this beyond my scope. I've been kind of testing to make sure it's, you know, here scope. And then I just picked a couple test markets and everybody seems to be picking up on it quite a bit. And it's how we are. If we have real estate knowledge and a lot of my focus is towards realtors, entrepreneurs and mortgage lenders. And if you have real estate knowledge, in my mind, you have an obligation to fight a crisis that we see coming. But everybody is just ignoring it. And that's the affordable housing crisis. If you look from 1983 to 2019, there's not one year where there's a drop in rent prices, not one. Every year, the rate continues to rise. But there was a survey done actually 2017. They said 72 percent of renters would prefer to buy. They just don't know how. And I know were fixin' to talk about a little about my history. So you understand my mindset. And that's where I actually got this mission statement. So I figured out how to help folks who can't quite afford it, but they can afford the rent. So in actuality, they can. The problem is the lending institutions have just that pendulum after the crash swung too far, the other way too far conservative. So now we're having an affordability crisis right on top of prices continue to rise. So if rents continuing to rise, price values are continuing to rise. But our incomes not rising at the same level. That crisis is just going to get bigger and bigger. So I'm figuring out a way to help investors who want to invest in something like this. Make a profit as well as solve a problem that I see is going to continue to grow rapidly unless something like the private market steps in and fixes it.

[00:05:43] And, you know, we hear a lot about that on the news in California and stuff. Were, you know, contributing to the homeless crisis and all that stuff. Right.

[00:05:53] It is what it is. But you can you know, I'm in Florida and you can see someone renting for twelve hundred dollars a month that can afford one hundred fifty to one hundred seventy thousand dollar house. We just don't know how to get it to. There's a couple of barriers to entry, if you will. We were to talk business because I know there's an entrepreneurial podcast. There's a couple of barriers of entry to figure out how to get them to that point. So it's one or two steps. But boy, I feel like our program is actually solving that problem. I'm helping someone get in, lock in that purchase price. They're not wasting five more years renting with continually going up. Instead, they're actually starting to get the ownership. And like I said, 72 percent of the people surveyed said they want to own.

[00:06:34] Exactly. And I think homeownership in the millennial group was like the lowest ever, that kind of thing.

[00:06:40] It is. And there are some purposes for renting. You know, I own rentals and then I also own notes on some of the properties that I have owner financed, which is what I'm talking about. But there's reasons were definitely some things you got to do to make sure you're covered, make sure your other investors are covered. But I own some rentals because I'm run off the back gate of Pensacola Naval Air Station. If you know anything about Pensacola Naval Air Station is the cradle of Navy aviation. Every Navy pilot ever has spent at least 12 months here, but more likely, 18 months to include President Bush. I mean, if they've ever flown a plane to the Navy, they've been here. If you're only going to be here for 12 months. Maybe that's not the best type of person to buy. But if you're to be here for three, four, five, six years. Yeah. There's no sense in paying the increase. I have one rental. It's literally changed hands three times this year. I started out at eleven hundred a month in the middle of the summer, went to eleven seventy five a month. They actually got random orders out of nowhere. So just rerented it again because it was July 11th. Eleven Seventy five. I read it in July. Just reviewed it again in September. And I was at twelve thirty five. All in one year.

[00:07:44] That's just the thing is there's a lot of people, if you weren't being kind to the military, would screw em on the posits and then all kinds of things.

[00:07:54] Yeah. But I'm a veteran myself. So I put up the military clause in there. You know, you got to give me 30 days. This one was a random order. It was a special forces guy. And I talked to his commander and he goes, he did not know until 15 days out. And I'm just. Yeah, yeah, yeah. Fifteen days. I'm just not gonna do it.

[00:08:11] Right. So what is your program? Educate people or what? How does it help them get into other programs?

[00:08:18] Educating people on how to acquire property, basically get an investor. Well, a lot of what I do is I've got a lot of investors that are using their 401K money, they'll send money to me and we'll just use them easy math. So I'll go buy a property for seventy five thousand dollars. Right. And I have a 401K investor that'll give me seventy seven for that. The property's true value is probably somewhere around a hundred, maybe one hundred and ten. So it's undervalued where I'm purchasing it. And I teach people how to find those properties. So I get seventy seven because it's gonna cost you about $2000 in closings and I don't want to have much money myself in it.

[00:08:53] My first couple of ones I did, I had all the money and I didn't have an investor that did this. So I get I get that type investor come in. We find it, we pick it up for seventy seven. Then I have a buyer who I know wants to buy. But then we look at their credit and their credit's 530. Why is their credit 530. Well A they don't have some trade lines or B and you'll hear my story. They had just a hard time. And I think my story is key to this entire program, because I got beat up and I literally walked into a bank one time asking to borrow money and the person physically laughed at me. It took everything I had not to hit her, but I don't hit women.

[00:09:31] So let's go and take you back then. How did you come up through the ranks?

[00:09:38] Yeah, well, definitely go way back. As a kid, I was always an entrepreneur. That was just me, right? I was that kid from fifth to eighth grade that all summer I was the kid cutting the grass. Everybody else was playing football or going skating or going to the beach cuz we lived at the beach. I was the one cutting the grass, making money. Of course, I spent half of it. But I kept about another half. Right. And right before school started, like parents would always go to Sam's Club, get like a week's worth of stuff. So I bought this like a thousand pack of those atomic fireballs. Every time I tell the story, I have to clarify my non alcoholic friends. That's not the liquor bottles. The cinnamon jawbreakers. I'd buy like a thousand pack. And I figured out I was getting, what, about 10 cents a piece because I was bottom what I thought wholesale at Sam's. Well I put 15 of them in my pocket. I'd go to class. I'd pop one. That was my product marketing. Hey who's gotta fireball? Cause you smell them. Right. And I would sell the other 14 at a quarter a piece. And then I would take some of my profits that day walked down the Tom Thumb and I bought 10 of the blow pop suckers right about those at a quarter apiece. And the next day I had fifteen fireballs and ten blow pops and I'm selling the blow pops for a dollar apiece. I'm made a little money. Success just kind of came easy. Of course that was fifth to eighth grade in ninth grade. I had to stop that because I had to be a cool high school kid and that just was not going to make me the cool high school kid. So I had gotten into sports even in fifth to eighth grade. I played baseball, football, but in ninth grade, I played baseball football and I picked up a basketball. And I loved the sport. And Tom, I sucked. I was horrible. I literally would throw the ball up like a shoot. But I felt like I was doing it like a baseball. It would hit the backboard, not hit the rim. Nowhere near the net. Just bounce back. They would. They called me Brick. I was horrible. But I worked my butt off on that for years. And at the end of my senior year, our team had gotten really good. We actually won nationals and I was on the county All-Star team. So success became easy. I mean, graduate high school, get in the military. I actually ranked up a little faster than I should have. I picked it up right about six months or a year early. But at this while I was working part time learning financial services, that's where I got the financial services world. I learned insurance. I learned investments. I learned mortgages and real estate. So we're talking early 90s now. And then my biggest success in ninety six was convincing my wife to marry me. Yet that still is definitely to this day my biggest success. I'm married way up, but success came easy. Finish my military time and went to college. College was tough. I was when I say I know hard work. I grew up in what we call a income challenged. If you could see my air quotes going up. An income challenged household so I knew hard work. College, there was one semester I took seven classes at a lab all in one summer while working 32 hours a week. Sleep was an option. I needed to get done. And the lad was a biology lab and I couldn't get it. I was taking a biology class, which I did not care about because to this day I had no idea why I need to know the difference between a male and female pine cone. I just don't know.

[00:13:02] It's hard to tell the difference between male and female people now.

[00:13:09] But in the in the actual class you would have like the picture of the star fish and like diagram it. Well they could click in my mind. I could do that. But do we have to get in the lab. Same star fish just cut open and they're like, what is that? I'm like, I don't know, squishy. I really don't know. So about halfway through, I went to the professor and I went. How many times do you teach this lab? A week. He's a 3 Can I come to the other two. He goes, well, yeah. I said, OK. And I got seven classes in this lab three times while working thirty two hours a week. And getting my G.I. Bill, thank goodness for the G.I. Bill or else we wouldn't ever eat. I know that I probably should have failed that lab. I think that professor was just sick of seeing me. So, you know, c minus minus. That would pass me a success. Kind of came easy after college, got into mortgages went full time into mortgages, learned everything about mortgages in four months. And so after working the company for three months. I was the top salesperson there, and after four months, I obviously learned everything I need to learn. I didn't need to learn anything else from them. So I went out on my own because I don't need them anymore. Maybe it was a kind of weird. About three months later, after that, the owner and founder of the company I used to work for passed away suddenly. Just dropped. And at the funeral, the entire staff, all 22 loan officers, support staff, come up to me going, can I come work for you? Like, wow, guys, this is not the place or the time here.

[00:14:32] That's like Andrew Dice Clay he used to go up to the widow and say, hey, you here with anybody?

[00:14:42] But yeah, I was like, it's not the place for time, but I'll call you. And so I let about a week ago, I talked to the widow because I'd become friends with her and her son. And they said, that's fine. We worked out a lease option on the building. And literally we went from a Friday saying the name of one mortgage company to a Monday say the name of another success came easy. About six months later, found another company down in the I-4 corridor from St. Petersburg all the way to Orlando, multiple offices that wanted to be acquired. So I acquired them, merge them together. So I went from graduating college within a year and a half on a company that had about a hundred and twenty plus loan officers and I can't even count how many processors. We have 15 underwriters. We were doing good. We were making money. And I just felt like success was. I had the golden finger, you know, it's just cause I hadn't been punched in the mouth yet. Everything I touched turned to gold. It just did. If you look at I mean, if you look at that whole life, I I've started with gold. I even married a gorgeous redhead. Everything I touched turned to gold. And then, of course, 2007 happened. Yeah, and I can remember to this day, the day that I'd come home. I think just because of one of those mental snapshots, it's like, you know, you can remember where you are when 9/11 happened. I can remember it. I just got out of the shower. I walked over to the to the window from our bedroom. I was watching my wife and kid. I remember details like the speed of the ceiling fan was on four. That's was always an argument between me and my wife I'm a polar bear and she doesn't have any blood pressure. And so I remembered it was on four instead of ten where I liked it. And I just kind of mentally took the snapshot of everything because I knew things they didn't know. I knew when Bank of America called me that day, when Bear Stearns to call me that day and that all my funding was cut off. I knew the world was about to change. When it did, drastically. So the next couple of years well about the next year. I did what a lot of people did and that's turned to alcohol because I didn't feel any of the stuff that I was feeling. We lost everything. The cars. Lost all the investment properties. I was selling stuff for 500 bucks. I just paid ten thousand for a year before just so we could eat.

[00:17:04] And when I got the foreclosure notice, not I didn't know it was coming. It was just it was just hard. Mentally, I'd always been the provider for the family that always got to look forward to. And when I got that letter saying we were getting kicked out, I thought a little bit and bought us about 60 days, and I remember that Thanksgiving. I made the kids, you know, dress up in our best, almost like a great garden style dress up in our best. And that had a nice meal because I knew the day after Thanksgiving I was gonna start packing our stuff. And we made it back home to Pensacola. And I had to I had to find work. Obviously, like I said, I can only sell so much stuff so cheap for us to continue to eat. I had to find work. I went to work for nine months running a car finance company. And figured out that I can't work for someone else. Those days are past me ever since I took my uniform off. But one of the things that did happen is that car finance company got sucked into the same thing that everything else was happening. And so they went under. And even though I'd only been with them nine months, they offered me a very generous four month salary severance package. So I took the summer off because that actually happened in early June. I took the summer off. My son was 10. And I'm like, I just got to figure out what to do. I've been paid for four months. OK, so we played World of Warcraft and surfed and summer. You know, there was no way I get that summer back. But what was really sad was come fall because I was obviously to give you the severance package. But I was drawing the unemployment. Come fall. I went to work at a local college as an adjunct professor. I took on a five course course load as an adjunct professor. And I think what made me kind of sad about our society is that my payment from the junior college as an adjunct professor was less than what I was making in unemployment.

[00:19:07] And so I get it. During that time, though, one of the things I kept wanting to do was reown a home. And of course, when I went to borrow money, I just got laughed at. Are you kidding me? My credit score dropped from 780 to 460. Wow. And I know you start at 350 and I'm fairly certain you get a hundred points for spelling your name right. So it just went way down. And so obviously I'm having to pay higher rents. We went to go to deposit state of Florida says the maximum deposit you can take is two months. So we're having maxed deposits and I'm just scrambling. And I did the whole semester thing at the college and found out that that's just not gonna work for me. 'Cause you know, you and I haven't met, but I'm not a small chicken. I eat a lot of meals. So I wound up getting ahead. I'd kept my real estate license the entire time and about late it was early 2010, late 2009. I started realizing I was actually friends, I don't know if you know who Alex Charfen is, but he actually taught everybody how to do short sales as an agent. And I'm like, well, my banking background. Helps me out with that. So for about five years, I was helping people avoid the foreclosure, the pain that I went through. By doing a short sale. But even with that, you still want up having a little bit of a hit on your credit. A lot less than on your credit than a foreclosure. And the big thing that you avoid is a deficiency judgment. So a bank, you know, let's say you owe the bank three thousand and it's sold at foreclosure for a hundred and fifty. The bank has the right to come after you for that other hundred. It's called a deficiency. Most of the short sales though, you can negotiate it, they waive their right to a deficiency judgment. That's the big reason I could not I could not buy another home because every time I want to go to a mortgage purchase, they're like you have a potential deficiency because I think doesn't drop off for like four years in our state. So I could you have a potential. So that was kind of my mindset. And after I'd done about a year worth of. Short sales, I was like, you know, I wonder how many people are in the same world. Like me. It's not that I'm not working. It's not that I'm not trying to make money. It's not that I'm trying to live out the system. That's not the clients that I'm looking for. I'm looking for the person who's willing to hustle and let me give them a shot. Instead of letting them see over and over and over again a price increase on rent, because I had to rent one place and I rent of one place for six years. And every year when it came time for a new price increase, price increased and I get it. As a landlord, I own rentals. I get it. But boy, it's it's just, you know, seventy two percent of the people want to be able to buy their own. So now what I did is I went out and I talked to some people. I had a property that we had purchased with one of our flips because I flipped a couple of properties through those years and I took the profit and rolled it into another one. So I owed very little, flipped another one and actually paid it off. So now I owe nothing on this one, little small and I mean a small. I think I paid like thirty five thousand dollars, but it was worth about fifty five when I bought it. And so I went over and I said, OK, I'm going to sign this owner financing. But here's a big key factor that you want to figure out is you do not want.

[00:22:28] When I go to sell it to the buyer, I'm not looking at appraised value. I'm not looking at broker price of value. I'm looking at owner finance value. So it's a different value. A lot of people don't teach what they own or finance value is. OK, you, Mr. Buyer, had been paying rent for twelve hundred dollars a month every month for three years and can prove it. Two years, whatever. You can prove it. First of all, on the credit side I can show you how to get it on your credit report. But if I can prove that, then I know they can afford that. So that changes our game. So let's take what tax and insurance are going to be less. Figure out what principle and interest payments would be at 10 percent. And then you guys can come in and own the property for about four or five years. But I'm going to take it a step further. Do you know what I'm talking about as far as companies called J. D. Byrider or Drivetime? They're popular. I seen them out in Phoenix a lot. I see. I thought they were all over Texas. But these companies are basic. They have a credit repair program, but they sell you a car. So they sell you a seven thousand car for $10000.

[00:23:36] It's a buy here, pay here, but they are reporting to report every month. I kind of used that model. I'm like, listen, we understand this house is not worth seventy thousand. Broker price or appraised value, but your rent value, it is. And so over the next five years, I'm going to take you through this entire program and I built an entire credit revolution program that I sell independently. But I make anybody that goes to this program, they have to go through it. It talks about just not just your credit repair, but how to add rent and utilities, how to settle the debts for less, but get them paid in full. I mean, it's just financial. It's almost like finance one to one. It's like stuff we should teach in high school. Nobody knows this stuff. So now you have to go through that program you buy for me. You hold it about four five years and then you should graduate from me. Meaning you should go to the bank at that point, be able to refinance. Note the property's appraised, although you've owned it for five years now too. So you got a new appreciation this happened and now you've graduated my program and you don't need me anymore.

[00:24:44] Nice. What's the name of this program?

[00:24:46] Purpose driven profits.

[00:24:48] So how do they how do people find out about it?

[00:24:51] Thepurposedrivenprofit.com. And actually get a whole set for just you guys.

[00:24:57] Oh, beautiful. And yet this is not just for veterans, right? Anybody?

[00:25:00] No, it is not. It is not. I am a veteran. I have a veteran out any way I can. But no, for you, for this, I guess for the next couple of weeks, I put up thepurposedrivenprofit.com/screw-the-commute.

[00:25:20] All right. We made it big time. So we got to take a brief sponsor break. And then when we come back, we're going to come back and ask Shane, what's a typical day like look like for him and how he stays motivated. So, folks, I want my knees down on my knees begging you to check out a particular webinar or pass it on to someone who could use it. I mean, it has to do with higher education. If you're considering getting retrained because you hate what you're doing or you want a better life for yourself or your family or if you have kids, nephews, nieces or neighbors who are wondering if they should burn up hundreds of thousands of dollars and then end up broke with mountains of debt and no marketable skills. All right. And competing for jobs at Starbucks. Well, you just got to watch this webinar. I mean, you got nothing to lose and everything to gain from taking a little time out. Visit screwthecommute.com, click on webinars and watch the one on higher education. It's not just me hawking my school. It's a lot of high level education. People telling you what screwed up about the system and how it's really hurting our youth. So check it out at screwthecommute.com and then click on webinars.

[00:26:36] All right, let's get back to the main event. Shane Willis is here, suffered a devastating loss in the in the real estate crash in the 07 area, 08 area. But climbed back and realized how other people could be in the same situation and devised the program. That's a win win for everybody. So so make sure you check out his show notes and go over and check out his program. Shane, what's a typical day look like for you right now?

[00:27:07] Teaching. Teaching a lot. There are two two aspects that everybody, especially when they come to buy of these programs, there's two aspects really stopping people from going to a traditional bank to be able to become that that American dream of homeownership. One is credit, which we kind of touched on already. I've got a whole course that I build into anyone buying this course. The whole purpose driven profit they just get a credit was for free. But the other one's income. And that's really where I kind of like your world because I'm teaching people, look, if I understand you're making this much money from eight to five. I get it. I understand that you're trying to figure out ways to increase income. I get it. My twenty two year olds look at me going, you know, in this town at 22 years old, he's doing a job one days. They're painting thirty five thousand a year. He's a high school graduate. He didn't go to college, didn't want to. That's not my gig, OK. Not going to force you to go. So he's making decent money in this town because the average household income, household income here is 50. So he's making 35 on his own. But he's learning that you've got to go a little post that. What can you do? What online stuff can you do? He's figured out Twitch, which I thought he was just gaming for a while, but he's actually making some money on that stuff. He's figured out how to go to yard sales on the weekend flip stuff. And he's figured out, like I said, some of the same stuff you teach. And people are writing stuff online. Where can you work when? That's how you add the extra income. So those two barriers have to be overcome in order to get to this program. Get a lot of people still think that you have to have a ton of money down payment. You don't. In my program, the minimum is 10 percent. That's to buy from me. Now, if you can actually get FHA financing, it's like three and a half percent. So you don't have to have a lot, but you got to earn some. And it's all it's all knowledge. So a typical day for me is getting up.

[00:29:00] You know, I've been the morning routine is critical for me just because the stress levels, if I don't get that run or that workout in, I'll go nuts. My wife will look at me and go, you didn't run today. She's just knows. So I got to get the run in, which is tough for me today. Because of the surgery yesterday, I couldn't do anything. I'm like, I am not one to lay in a bed. I hate it. But I know I got to recover some. So get the morning routine done. Meeting with the v.a.'s, who's doing the video auditing, working on the courses, developing the courses. And then a lot of calls like doing a lot of podcasts. I do a lot of trainings online. I meet with some people locally. A lot of my investors are local 401k cuz I've done a couple of seminars, so they do self-directed 401Ks and then make an 8 percent interest by investing in me. And they know they've got a really good position on a piece of real estate because it's not a hundred percent financing. That's what crashed us. Talking about one hundred and ten percent.

[00:29:59] People were, their support horse was getting loans.

[00:30:06] Yeah, I was. You know. Did you ever see that movie? Tom, The Big Short. Yeah, yeah, yeah. A lot. It was bad because a lot of those names, those bank names, I'm like I've borrowed money from them. I know it wasn't the problem because I didn't do those pickup pay loans. But yeah. So lots of training.

[00:30:26] So how do you stay motivated?

[00:30:29] Because I remember where I was. I never want to go back there. Exactly. I know that feeling. I remember when that when that girl laughed at me in the bank, physically laughed at me. She the best thing she possibly could for me, because if I ever start to get slow, all I do is pitch her laughing at me and I get angry again. Want to go punch something again and get back to it.

[00:30:50] So the people listen to this show we call them screwballs. So? So what parting thoughts do you have for them business wise? Or if they are in a bad situation, what should they do?

[00:31:04] Well, find a purpose. That's why I call the whole program the purpose driven profits. Because it's funny how we can sit here as entrepreneurs and go. I'm gonna make the money. It's all about the money. It's not. I've had it. I've lost it. You've got it. It's not about the money. It comes a point when you're like, it's not there. So we find a purpose behind that. You find some type of purpose behind it, so what's your why? Maybe your why really is I need to make twenty five hundred dollars a month. OK, let's get that done. Then you need to re-evaluate. And I think that evaluation should happen every 90 days. I think you should be a different person. December thirty first than you are when you listen to this right now.

[00:31:43] Yes. I was just talking to a military spouse. Her and her husband on every Saturday to re-evaluate their family goals and their business goals so that's once a week. That's really.

[00:31:56] It's funny you say that because we talk about my wife and I have a night. They go every quarter, but every Sunday afternoon. We call it the general's tent. And we literally just come into the general's tent. So it's the king and queen coming into the general's tent to figure out what adjustments, what worked last week. What didn't work last week and what miniature adjustments do we need to make in order to hit the 90 day goal. But then at the end of 90 days, we're gonna have a 90 and they gotta be stretch.

[00:32:24] That's great, because I remember I was a charter pilot and my first instructor said, hey, if you want to be a pro, you make small, immediate corrections, you don't wait till it's too late and then you zigzag all over the place, trying to get where you're going. So that you're doing on your Sundays and then re-evaluating every quarter.

[00:32:46] Yeah. But you know, instead of, hey, we're gonna make New Year's resolutions on January 1st.

[00:32:53] And then they're done by the 15th. So, so great meeting you man and tell them the name of the Web site again.

[00:33:05] It's thepurposedrivenprofit.com/screw-the-commute.

[00:33:12] Awesome. Well, hey, thanks so much. And thanks for your service to our country. And thanks for making that comeback and inspiring other people and making actually a plan. You're more than inspiring. You're giving them a plan to actually make their comeback. So very, very, very powerful because a lot of debt reduction places out there, just rip offs and people with more debt when they get done with them.

[00:33:38] Thanks. I really appreciate you having me. Screwballs out there. Thank you.

[00:33:43] All right everybody we'll catch y'all on the next episode. See ya later.

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