Youseff Jacob Podcast 1 MP3 File

Two friends are starting a podcast and discussing their motivations and goals. They talk about their respective businesses and the importance of pursuing what makes them happy. They also touch on the significance of college education and the value of networking. They emphasize the need to identify one's non-negotiables and understand the sacrifices that come with pursuing goals. They encourage listeners to keep pushing forward despite failures and to stay motivated and disciplined. Alright. How's it going, man? It's going good. So, obviously, this is our first podcast. We kind of just got on the phone, like, what, Monday night? Sunday night. Monday, Sunday night. We were talking about jobs. Just a normal job for the summer, you know, back. Just normal, normal, friendly stuff, you know. Something that you call your friends about just to see how they're doing, how their summer's going. And, obviously, our situation's a little different. So, I kind of want to introduce who we even are and welcome you guys as our listeners to the first edition of our podcast. We don't know what we're going to call it. My name is Jacob Sherman, and I'm here with... And, yeah, we just kind of were calling one night. We were like, you know what? We're going to get a podcast going and see what happens. And so, now we're here. Yeah. So, Yusuf, tell us a little bit about your business, what you kind of want for your future. Because, I mean, we're both highly, like, motivated people. And I think that's the first reason we're even here together because we both work on the same mindset of always trying to better ourselves. And that's actually what our first episode is going to be. So, what kind of got you into this? What are you doing currently to get ahead of the curve? Are you going to college? And you got a little side gig going on, a little company, a little LLC. So, tell us about that. Yeah, of course. So, I kind of always knew the lifestyle that I wanted for myself ever since I was younger. So, I always knew I wanted more for my life than being stuck in an office all day. So, basically, if you have it in you, you're going to know you have it in you. So, I mean, if you're made for the office life, there's nothing bad about that. If you enjoy that, there's no problem with that whatsoever. I mean, at the end of the day, it's all a pursuit of happiness. So, you know, whatever makes you happy is going to be the route that you're going to want to take. So, this is what I love about me and Sherman when we talk. It's always a great combo because we always have something in common. Always doing something. Exactly. Whether it's a side gig, whether it's a stock, a new stock that he likes, it's always something that brings us forward. It'll always, you know, make us better in some type of way. And I always love that. Whenever we hop on the phone, it's always something new. It's always something great. But based off of real estate, real estate actually creates most millionaires in the world. It's a stupid statistic. It's like 70% of millionaires own real estate or, you know, started off in real estate. So, basically, I have two sides of my company. We're doing a rebranding process right now. So, we don't have a name. But we're thinking of going with Propel. Just like the podcast. Don't got a name yet, but we're moving somewhere. But, yeah. So, but Propel, we focus on cash flow, which is our advertising agency for realtors. We advertise for realtors, you know, that, you know, we need to sell houses, you know, to make their income. And we wholesale, which is the other side of our business. Both are run by me. And soon, we're going to be, he runs my advertising part of the business. And, yeah, I'm super excited. So, do you only have one person working for you right now? Or is it just you, like a solo gig, kind of? So, it's me and my buddy, Andrew. We're super close. It kind of started off as like, you know, we hopped on the phone. Exactly. Right. And Gillis is joining this. So, it's going to be three people now. Okay. So, yeah, I mean, it's just me and him right now. We're kind of just focused on, you know, making sales, finding realtors, you know, making those cold calls every day. Because, you know, I started off a long time ago. I mean, this has been, this company has been in progress for about a year. But obviously, I never had the discipline to go the extra mile, you know, doing those cold calls. You'll do like 25. You'll get discouraged. You know, they'll hang up on your phone. Like, you know, screw you. Like, I don't care about whatever you're going to talk to me about. And then you just want to quit. You're like, fuck this. Like, I'm tired of getting the phone hung up on me. Exactly. And actually, that's going to be a topic that we talk about today, which I think is so important, which is that do not quit level. This is where basically everybody quits. And, you know, I caught myself in there. Well, I'm very happy that you could kind of give us that insight about like what's happening. And you're 19. We're both 19. So in comparison to other people our age, we're definitely doing, we're doing the most. I think so. So yeah, we're just trying to throw that topic out there. But I kind of want to get into some of the additional podcast information about we already went over who, let's go over what next. And then why we're even doing this, because we talked about being motivated, but motivation can only bring you so far, right? Right. But yeah, so on this podcast, the what of this is just going to be real life. It's an intentionally relatable perspective on life as a young adult, specifically targeting motivated individuals or people trying to improve themselves. And I read that directly off of a document that I created the other day at my intern, my internship job that I probably wasn't supposed to be doing, but this is what I was thinking about sitting in the office. Yeah. So I'm currently an intern at Engage Financial in Zionsville, Indiana. I work under a certified financial planner or CFP, Michael Dickerson, who's been practicing for around 25 plus years now. I would say how many, like the number of assets under management or his AUM, but I don't know if I'm like allowed to say that on the thing. So I don't want to mess that up and then get called in two years and I'm just screwed because I said something on a podcast with one of my buddies. But yeah, so basically he brought me on as an administrative intern where I do a lot of paperwork for him, kind of just the stuff that he doesn't want to do or the other employees that he has there. He's got two other employees, I would say their names as well, but I want to keep it confidential for now. But it's a super good environment. We go out to lunch up to two times a month or for sure once a month just to kind of all hang out, team buildings type stuff. And that's what I'm doing when I'm not scanning papers. And every Friday we have meetings at 10 in the morning. So tomorrow I will have a meeting, whole team's meeting. We'll just kind of go over what our objectives are for the next week going into it, have our goals and then make sure that we got everything done that we need to get done in the week that we just finished. Along with that, I would definitely say that he's been super, super helpful in helping me learn about what being a financial planner is. And I've gotten so much insight, whether that be the software that we use. I've dabbled a little bit with Salesforce. So I'm kind of learning how that CRM works, which if you don't know what a CRM is, it's kind of a customer database where you can track clients, do statistics in there. It puts projections on there and it's just a very client-based application that professionals use in the professional business world to manage clients and keep track of them. So I mean, I've worked with that one. And then I don't know if you've heard of Redtail. Have you ever heard of Redtail? Okay. So it's basically the same. It's a little less advanced as Salesforce, but I mean, it's a little bit cheaper, but it essentially does the same thing. So he's cutting costs, being smart, doing this. I honestly love it. I think it's a really easy software to use. And then along with that CRM, I've been taught how to use Morningstar Analytics. So that's a huge company, especially in the IB world, investment banking, or just financial planning in general. They do a lot with mutual funds, ETFs, which if you also don't know, because I know this is going to kind of be a little bit of a first podcast, you might not know what some of these things are, but I would definitely encourage you, if you don't know what they are, just to look them up. That's like a little quick tip I want to add there. And I think Yusuf wants to say something, so I'm going to let him go. Yeah, oh, for sure. If anything, it's to be helping you grow. So if anything you don't understand, don't have to look it up. It's only going to help you grow your vocabulary and make you stronger and better than everybody else around you. So this is only going to make you better. And also a question for you, Jacob. Do you think this intern is going to help you later on? Do you think this is going to have a massive impact on your future? Or do you think it's just a little bit of a resume? Or is it genuinely going to help you in the farther on? That's a great question, because I kind of went into this internship with the mindset of, oh, this is going to be a great resume builder. And man, people who are looking at college students are going to be like, this kid had an internship freshman year. Well, coming out of freshman year, I'm going to be a sophomore at the University of Alabama. Roll tide, baby. Let's go. If anyone is a Bama fan here, let me get a roll tide. But yeah, what was I saying? Yeah, I kind of thought of it as a resume builder. And funny enough, how I got this internship is a lot of the networking that I do is myself. I don't really use a lot of other people. And if I do, then I want to have a genuine connection with them. That's how I run my affairs with other people. I don't use other people for the things they have. I want to genuinely know you. And that's how I'm going to conduct business all throughout my life. That's one of the standards I hold myself to, or one of my non-negotiables, which we'll get into in the next 15 minutes or so. Hopefully, 15 minutes. This bad boy can't be more than an hour long, or it's probably going to break my computer. But yeah, I went into it, totally got sidetracked, sorry. I went into it thinking as a resume builder. And since the first day I walked in there, I know it's going to be a lot more than that. I've learned so many things, like the Morningstar database, how to navigate that. I've learned about floating, what's the word? I just said I learned about it, and now I can't remember the word. Floating rates on mortgages, 401ks, 529 plans, just about anything that you could really think of when it has to do with financial planning. But yeah, that kind of answers your question. I just wanted to hop in as well. So what's the final plan here is the investment bank, correct? Is this it? So that's another good question, because that was the goal for like a really long time. And at the University of Alabama, I'm in an organization where I got accepted to my second semester there called CAMS. Shout out CAMS. I don't know what their Instagram tag is, but I'll probably be able to link it in a bio if we post this somewhere. So I'll probably put that in there, but it stands for the Culverhouse Asset Management Society. And we manage a paper trading fund of around half a million dollars. And I am a REITs analyst. So I, you might not know what REITs are, but they are real estate investment trusts. So it's basically huge companies that just have endless amounts of money because they're public. So there's not a lot of REITs out there, especially on the U.S. stock market or the New York Stock Exchange. But think of like if a stock and a real estate person like had a baby. Like it is the most optimal thing, I think, if you're interested in both to jump into. And you don't need any licensing for it, which is really interesting. It's just like investing. So, I mean, if you open an investment account, you're going to be able to get all the benefits of REITs. Yeah, I think that's a perfect way to put it. It's real estate and banking, you know, had a baby. It's a perfect balance of, you know, a good asset and risk, you know. So I also want to touch up on the importance of college, even though, you know, as people might say, you know, that business is... So with that, with you saying that, I'm going to butt in real quick. The importance of college is really important, but it's not needed anymore. It's not needed. It's a people game. Yeah, it's stuck in my brain, dude. Better than trying to have fun at college and go out there and invest in banks after they, you know... Smoke their weed. Exactly. So it's such a perfect investment because in the investment world and the business world in general... It's a people game. You're going to get your way. Right. Obviously, the University of Alabama, it's endless. It's endless people. And, you know, his dad's the CEO of IBM and his mom is the... That's the regional manager for Goldman Sachs out of the New York district. Exactly. Oh, shit. Nice. That's literally what it is. And I think it's... I think it was genius. I think you played it perfectly well and props to you for that. That was the Lord, bro. I'm going to shout out the Lord. Good old Lord for that one, because I had no idea what I was getting myself into. You'll probably hear me talk about my girlfriend on here every once in a while. Her name's Tenly. Shout out Tenly. But she's a darling. She's super sweet. Our two years was yesterday, which is actually pretty cool. Thanks, dude. I appreciate that. But, yeah, we both kind of wanted to go south. And then I was looking at Alabama and SMU because I originally wanted to play soccer or a college... You've had multiple D1 offers, you know? I did not, actually. Was it mostly D2? Yeah. But you had offers. I had offers. We're not talking about some kid that, you know, laid around and played video games all day. Right. Very active. We're going to talk about the gym here in a minute as well. Right. But, I mean, keep going with your story. No, yeah, you're totally fine. But he's completely right. It wasn't D1 offers, but it was a lot of like NAIA, D3, D2 schools that were really looking at me as a player. And if I really wanted to play in college or if it was God's plan, I probably would have ended up at one of those schools and been really happy. But Alabama, like I said, was just a huge blessing in my life because without that happening, like at the moment, I didn't really realize it. But like he said, it's an investment. Like where you go to school or what you do, it's all about the people. Like the education you can find on the internet for free somewhere. Yeah, exactly. Free learning right here. This podcast right here. I mean, you can learn like this. You can learn on YouTube. Like you have to go to college anymore. But, you know, I thought that was super cool because, you know, you have people now that, you know, if you have a vision, you can really make something happen. 100%. 100%. If you have a vision, you're going to go get it. So I think that's exactly what we have. Right. It is. So that kind of leads us into like our first question of where do you even start? Well, it's really, really hard to start, I feel. But as soon as you start... The hardest part of going to the gym is going to the gym, getting in your car and driving to the gym. That's one thing that stuck with me for a while. And it's not like it doesn't happen overnight. Something happens and changes your life. And I feel like it's the same way in the financial world. If you're working 100% of your time, in three months, you're going to expect... For three months straight, and you're working every day, you're not cheating the grind. Don't get me wrong. It's hard. But it's not this impossible, like, there's no way anyone can do this type thing. This is a very, you know, not something that's not, you know, totally alien. I think that starts with, like, where do you start? Like, obviously, you got into it. But I think there's three points that I kind of want to make. And I'm going to use the analogy throughout this, like the rest of the podcast, of building a house. Because obviously he's in real estate, Yusuf is in real estate, and REITs are something that I like to look into. And I'm actually getting into my own real estate investments right now. So I'm trying to build the capital for that. Which if you don't know what capital is, it's kind of like an initial investment or money that you saved up for a specific investment. That's how I look at it. Do you have anything to add? Right. Exactly. But I have three points that I kind of want to go over that's going to be, think of it as like the framework of your house. Like, we're laying down the framework. It's a completely new thing. You don't know what you're doing. And so the first point is identify your non-negotiables. And this comes down to your why. Like really dig deep into this process and understand the things that you truly value. And you can do whatever you want. Like he was just saying this, like people who are motivated, you can do whatever you want. And I'll come from an opposite approach when I say this, because people think that and they're like, I want to be a millionaire. Like, oh, well, you can do whatever you want. I'm going to become a millionaire. I want to be an NFL player. Okay, well, go be an NFL player. You can do whatever you want. But there's opportunity costs that come along with that. And you're going to lose something to gain that. And so that's where I say this, be careful what you wish for, because you're probably going to get it. And that's like the reverse ideology, because people are like, shoot for the moon, and like, you'll land on the stars, blah, blah, blah. But if you're motivated, like, and you really stick with it, you're going to end up there. So be careful what you really wish for. And really dig deep in your values, which is our first point of where you start. You'll lose out on some friends, you'll lose out on some fun, you'll lose out on some relationships with people that you want to compete. And, and it's just the price you pay, you know, and you just have to wait out. If you think the end goal is doable, then do it. And in my opinion, I think it is totally understandable to pay the cost for my end goal, which is to gain an answer for everyone. So I think that's where you start first, really, is where you answer that question. And some people really enjoy the fun. Like that's, that's all they want. Like, and that's totally fine. Like, if you, if you enjoy that so much, and you are fine with that, then there's no problem living your life like that. Because like Yusuf said, like, he wants to be financially independent and be able to do what he wants to do. And I think at the end of the day, most people want that. And that's what this podcast was created for. That was kind of my why, to help young adults and even older teens kind of navigate life's obstacles and see it from our first person view. Like there are a thousand people out there that are making content, but they're older adults and you can't really relate with them. So I love people and I value the relationships I have. And I'm always looking for a way to improve, which definitely sets me and Yusuf apart from 99% of people. But if you find yourself amongst that category, I would definitely recommend just coming back, listening to these things that we're about to say. And like I said, first of all, identify those non-negotiables or your why you do things. There's no point. Yeah. That's called motivation. It's the difference between motivation and discipline. Yeah. Absolutely. I mean, it's like, yeah, exactly what he said. I don't think I could have said it any better. Like when you fail for the first time, like failing is a part of becoming successful. I absolutely agree with that. 19 too. Countless businesses at 19. Two or three and two of them have failed. I mean, I need to read Brandon right now. I'm in love with actually grinding the workout. I'm not, I'm not in love with the end goal. I think that's what's so important is finding your why. Because when you find out why you're doing all of this, you become in love with the process and not the end goal. And I think that's so important because as soon as you fail, you're going to fall down and you're going to have to have the courage to get back up. And I don't think you can do that unless you have a why. Right. So, so really knock out that why and listen to your non-negotiables. And I'm toking that coin from Chip Gaines. Shout out to the, the Mongolia farms, baby, because I watched that. I read his book, actually. It's really good, dude. I would honestly, I'll give it to you if you want to read it, but it's called No Pains, No Gains. And it's a, it's a complete book about networking. It's incredible. Like I, I absolutely love it. So also to the listeners, definitely give that a listen. I think it's like $20. You can buy it really anywhere you want. But the next thing is understand yourself, understand your talents, and also be human. Certain people are blessed with certain strengths and they need to use them. Like, I mean, if you're just a hell of an athlete and you're just born someone who can just knock out like 225 on bench press, when you're like fucking 16, like props to you, dude. I wish I was you pal, but, but use that. Like maybe you should go into football or pursue a sport. Like that's a natural, God-given talent that you should kind of do. Or maybe if you have a numbers thing, then go into investment banking. Cause a lot of the stuff you're going to be doing is analytics. You know, you're going to be crunching numbers, quantitative analysis and qualitative analysis. That's why he's an entrepreneur because he's always like thinking like, like when something comes up and it's like, there's a huge, like market recession, everything is, let's just say on sale. He's like, okay, instead of buying on sale, he's like, well, shit, I can resell this. I can buy it in bulk and resell it, you know? And that's the entrepreneurship mind. Dude, if you go to the gym two hours a day, every day of the week, right? Absolutely. And it gives you time to think about your other skill sets too. Absolutely. I totally agree with that. And so those are like the first two points that I said, we're going to get to three. So we got one more and that's get involved in a community, whether that be a job or some other type of community. The one stipulation though, that I will say is make sure that this community is making you better and pushing out of your comfort zone. Would you agree with that? 100%. And it's like what I was saying in the beginning, um, because I don't know, like I am stoked. I have this new business idea. I have this, you know, pitching me a stock on the phone. Which happens a lot between us. Like you should hear our college calls. That's, that was kind of what inspired these. We were on the phone for like an hour and a half and we just forgot time that even happened. And I think that community around you that surrounds you with things like that, instead of being friends with, you know, a bunch of people that are telling you to go out at night, you know, let's go drink. When you have market open at nine 30 a.m. and you have to be up at like seven pre-market, you know, get your stuff done, get your paper done. You know, it's just, it's all with good information and good hobbies. And not to get you fully stuck on this, you know, Jacob, um, like my friend, Andrew Gillis, where, you know, it's really just, you know, we're bettering ourselves. And another thing is, is I kind of want to touch up on the lie that like partying is the fun part. Like, I mean, people think that like, sure, partying is fun. I've done it plenty at Alabama or like even with Yusuf, but if that's your end goal, it's just, I mean, what, like, how are you, where are you going to go from there? Like you party Monday through Friday, like you're on, say you're on a week bender. I mean, we're 19. So like, we can't even drink, but like, um, but what's the point? I mean, do you wake up and do it the next day? Like, I don't know. I just like to get bored. And I mean, there are some nights, wait, hello. Sorry. I thought I was on mute. Um, but there, there are some nights where I just stay in and like, I mean, there, it was a Friday night. One time I got done with one of my exams and all my buddies were like, dude, like we're going to rhythm and bruise, like super cool bar. It's like a, like a honky-tonk style. Um, and I was like, no, I'm like, I'm not, I'm not going. I was like, and they're like, why, why are you not going? I'm like, I'm at the Bloomberg machine. And do you know what the what Bloomberg machines are? The terminals. So, so a Bloomberg, a Bloomberg terminal is like a, is like Bloomberg's main product. And, um, Bloomberg is a primarily, um, business related, but also it's, it's not a news channel, actually. It's an information company. So they like, they, they do so many statistics on, on stocks and economic growth. So, I mean, you can, you can run like programs with like within this program that are going to teach you things that you didn't even know about your economy or like other things. Like, it's going to show you where cash flow is like, or between countries. Like you can see like, um, currency devaluations, um, comparables, um, just so many different metrics, whether when it comes down to stocks and economy, like the top financial industries in the world use Bloomberg terminals. And so I was like, I just got accepted into cams at this point. And I was like, I need to get ahead of the game. Like, I'm going to, I'm going to do something else that my buddies aren't doing. And even though they said that we had to get certified, like a lot of people didn't do it, there was probably like three or four people that did it. And, you know, guess where those three or four people are right now. Take a guess. Where? Take a guess where? Yeah. Two of them, two of them are at Goldman. That, I mean, they just got there like two weeks ago. Um, and then I have another buddy that's working for J.B. Morgan. That's the other guy. So, I mean, if you want to get there, like we said earlier, like you're going to get there if you have the right mindset. So, I mean, really go back to your non-negotiables and your why, why you're doing this, understand your talents and definitely like stick with those. And if you don't know them, find them like Yusuf said, and then get involved in the community. I mean, those are the three things that you can start doing today to get to the goals and finish the finish the finish line or finish the race where you want to get to. It's really not even all about being social. Like let's say you're not a social person. I can't, you know, I can't network. I can't talk to people. Because the reality is, you know, at some point you're going to have to. Yeah. You're not going to have, you're not going to have the luxury to just sit around all day. You know, you're going to have to go and talk to people at some point. So, I'm going to give you the luxury to just sit around all day. There's... Said no one ever. There's still communities you can join. You know, there's podcasts you can listen to. There's always gaming clubs, learning and gaming knowledge. And that's a form of community. Or sports, dude. I'm surprised we didn't touch upon sports. Sports will teach you some of the best values that you can build on that framework we were talking about and kind of understand yourself as compared to anything else. I mean, sports are absolutely incredible for learning how to dig deep and just never give up. If you really carry yourself with pride. But yeah, we're, we got to move on to the next question since we're like a little far behind. But that's really like the three main points of laying your framework. So, I hope that helped you out a little bit. But now we're going to get into when you started and understand how you can build your framework. So, you laid your framework and now you're building it. Like, you're adding on to your house, building the walls, putting some infrastructure up. And the first point under that subclass is set goals and develop a detailed plan. Yeah. Yeah. Which we said was already pretty, pretty damn hard. But yeah. Right. So, I'm reading The Art of the Deal by Donald Trump. Instant classic. I'm surprised I haven't like read this before. But have you read it? I'll lend it to you. But in one of his chapters, he has this concept called delivering the goods. And he says, like in his book, like obviously you guys know Donald Trump, whether you like him politically or you don't like him politically. That's not what this podcast is about. We might get into it later. But I mean, as of right now, this is strictly business. And Donald Trump has succeeded as a multi, multimillionaire. But he develops this concept of delivering the goods. And what he means by that is he said, I talk a lot of shit. Like, you know this dude. And he talks so fucking much, dude. Like, he just doesn't shut up. But the thing is, is he backs his talk. And that's called delivering the goods. Like, that's the concept he tries to get into. It's walking the walk, dude. Exactly. So, develop that plan and then start walking the walk. But you've got to follow through with this. And that's why the detailed part of the plan is so important. Because there should be multiple different time horizons, which is the second point under this subheading of when you've already started. But set those goals. And then with those goals and the detailed plan, understand a time horizon. The difference between millionaires and billionaires is how they perceive time. And Alex Hormozy is one of the people that I listen to who conveys this message most effectively. Because a lot of people say that they're going to be rich in two or three years. But no, you're not, dude. No, you're not. It's going to take and expand. I mean, I've talked to a multi-millionaire. Like, I have the... That's not realistic. Right. Exactly. And that's why you got to understand your timelines and really hone in on detailing this plan of yours. But I've taught, like, I have the super awesome experience of having a friend that, well, someone that I can call my friend. He's more of, like, a mentor who's a multi-millionaire. But he said, like, we were, before I even listened to the Alex Hormozy podcast, it's, what's it called? It's called The Game. He calls it The Game. That's what it is. Yeah. It's called The Game. Sorry, that escaped my mind for a second. Because it is all a game. Yeah. It really is all a game. It really is. I mean, it's just the way you view it and just the way you play it. Right. So, I think that's... I definitely agree. But he, like, both of them, before I even listened to this podcast, this man in my life told me, he was like, it's, it all comes down to time horizons. And then when I heard Alex say it, I was like, well, shit. I mean, maybe they're on to something because this guy's on his way to being a billionaire. Exactly. He's only, like, what, like... 33. He's 33 years old. That's crazy. And I couldn't even tell you how many businesses he's done. Oh, my God. This guy, man, I mean... Too many to count. He told me, yeah, he said it on the podcast, he had over 20 or 30 businesses filled in his first five years. I mean, this is a guy that went to medical school. You serious? I mean... He went to medical school? Yeah. He... What? I don't think he went to medical school. I think he finished, say, a degree in biology. Right. And was getting ready to go there. Okay. Business. Right. Okay. One of the things I want to point out, this dude, is he's a genius. No wonder he's a fucking doctor, because he's a genius. He is... I would totally recommend listening to him, because he will give you some of the the best information that someone who's just starting, or even is, like, five years... Like, he has... He did a survey. I was listening to his podcast, and 20... I think it was 20 or 25 percent of his listeners are business owners that are net worth above 25 million dollars. 25 percent are above 25 million dollars. You're making 25 million dollars, and you're watching a guy? That's how you fucking know. That's how you know he's a big deal. I mean, listen, this guy has been helping you guys out a lot. He's personally helped me out so much. Just go check out his YouTube channel. He's a really cool guy. He's on Spotify as well. We'll see if we can put it in the link below. He doesn't have his own show, but he's usually a guest. Hopefully, one day it will happen. Yeah, hopefully, one day. Oh, yeah. But yeah, so that's, like... I mean, yeah, the time horizons are huge. So, expand your time horizon and give yourself a little leeway. Be like, instead of three years, I'm going to set it at five, where I want to be a millionaire. And so, then you have the goals and that detailed plan. You put that in tandem or coordination with the time horizons, and then the last piece to keep building that framework is understanding the value of hard work and the difference between persistence and motivation. And obviously, this is something that I'm very passionate about, because I was a big believer in motivation for the longest time. I was too. Yeah, and I genuinely thought, you know, that life works. If you were a motivated person, you could easily get to somewhere that people that weren't motivated... That's just not the truth, man. ...this whole summer. But, you know, here I am, we're working on a podcast together. You know, I've rebranded my whole company. You know, we have a bunch of stuff going on that I just... ...anybody... Could have gotten there with only motivation. Exactly. And it's all about persistence. Yeah. And being so... You have to be so disciplined to do the right thing every day. Even though you're tired, even though you're sick, you can't get out of bed, but it's just, I have to go do something because it's going to make me better. Who's going to carry the boats? Exactly. Who's going to carry the boats and the log? Shout out Goggins and Aiden Gorman from New York. Staten Island, baby, let's go. But yeah, so I mean, we started off with our first thing, which was where to start. And we went over identifying your non-negotiables, understanding yourself and your talents. Getting involved in the community and those three. We moved from that or where to start to, once you've started, what can you do? And we went through the three things under that one of building your frame. And that set goals, develop a detailed plan, which really includes that time horizon, and then understanding hard work and persistence. And so to carry on to our last point, just because we're looking at a... Yeah, yeah, yeah. For sure. When you actually have to, you know, and carry the product out. And I think carrying through is... You might have this perfect plan in mind. I think the... Bring your product to the table. Because you're going to get yelled at. People are going to tell you no. They're going to say, yell bad things at you. But it's all about persistence. It's about never quitting. And just remember that most of the people... You're not like everybody else. I mean, I got a really good quote for this. Let me see if I can remember correctly. Yeah, here it is. Most gamblers quit gambling before they win. That's the perfect way to put it. So you never quit. Yeah. I don't know about that one with the self-improvement. I know about that one, but... You're down five points and you're like, I'm not giving up. Yep. Yeah, so the last point that we have is maintaining your house. So, I mean, you laid the framework. You built the framework. And now you got this beautiful house. Like, you got to keep it going, you know? Like, you have to make sure that this bad boy... You got to power wash the deck. Got to add to the basement. Maybe put in a nicer TV. Yeah, dude, get a good grill. Maybe it's my dad and her dad mode coming in. But yeah. Yeah, or just, I mean, you don't got to start with the pool. Um, it's, it's all about scaling and it's all about growing. It's all about advertising and marketing. But, um, that's not necessarily what it means to, you know, sustain your business. You can grow and create a bubble, you know? You know, obviously in investment banking, there's something called bubbles. Where if a stock goes too high in a certain, like, a week or something. It goes up like 30 bucks in a week. And it's like, it's supposed to stay low. And it creates a bubble. So at some point. That's, I think that's, I think you're trying to think of like a, like a market in general. Because like they're, like a stock can be like overvaluated. I didn't mean the stock. I'm sorry. I'm illiterate when it comes to stocks. No, it's fine. I blew my account. You got to remember, we're, we're learning here too. Um, but yeah, um, so obviously that bubble has a certain amount of time and it's too fast. It's an over-saturated market. Yeah. So, and that's what's so important. Uh, you have to find a certain medium. You have to find, um, a certain team. Persistence, again, um, just stay, stay doing the things that you're doing, the hard work that you're doing, and that's the best way to keep yourself solid. Exactly. And that was one of our points. So, I mean, you hit that right on the, hit that nail on the head. But, um, one of those points was go back to your why. Because if your why is solid, it's going to get you through trials and tribulations. You know, like, if you've got a weak why, you're going to quit on that fifth try, the fifth time that someone hangs up, or maybe the 10th for you, just depending on what your motivation level is, because motivation does fluctuate, but discipline does not. And that's, that's the, what we're trying to convey, um, in our, in our second sub-point of building your framework. Um, but bringing it back to maintaining your house now, um, look for learning opportunities. Start to read books. Listen to podcasts. This is, this is another thing that has really changed the game for me, um, in switching my motivation from motivation to discipline. Um, because the more you hear motivated people, um, or the more you're hanging out with that community that we talked about earlier that is pushing you to be better or getting you out of your comfort zone, the better you're going to become and the more understanding or knowledge that you're going to have and be able to apply. Just running off of each other. Oh, yeah. And from the, the opposite perspective, like, obviously look for other people. People that are going to make you better, but you should be actively thinking how you're going to make the other person better. Yeah, like we said earlier, it's like mutual, like none of us, I don't think that, um, I think that I benefit Yusuf just as much as he benefits me. And that's what makes it really cool because it's not like a symbiotic relationship where one of us like feeds off the other. And that goes back to my, my identifying my non-negotiables where I, all the people that I do business with or potentially will do business with, um, really care about, like I truly have or value their opinion slash relationship. Um, so I mean, yeah, actively look for learning opportunities. Do you have any, so I see you have books over there. You brought some books with you. Tell us, tell us about those books. So I want to also touch on reading. Um, reading isn't a teacher's thing. Nobody, nobody, nobody wants to sit down and read a book. Or like, or you get halfway through the book and you're like, all right, well, I made it like, I made it 200 pages and like, we only had a hundred to do, but, and then you start to wean off and you're, you only read five pages a day and then you never, never reach the end. Cause that's how I work. So I know that's probably how a lot of people work. And, uh, I think it's so important to read, um, halfway through the book, you go, you know what? You know, I got the main idea of the book. Yeah. I think I get the message. Exactly. And then you stop. And then that's where, um, books really take you, um, you have to finish it. You're learning. And you're always learning. You are always learning from it. So what's that first book you got? Yeah. Put a negative connotation on it. Yeah. It's actually a, it's a beautiful thing when it comes down to it, because if you, I mean, successful leaders care about the people that are under them more than themselves. And that's why they're in that position. So I think that's what, that's one of the first rules. Yeah. And you're going to learn from it and you're going to keep going. And then eventually what happens to the apprentice? They turn to the master. I totally agree with this. I absolutely agree with this. But manipulation is just like a word for a coward or a loser. It's just two different meanings. And someone who's self-centered. Someone who only cares about herself. Yes. That's the difference. Like the difference between a good leader and a bad user is a leader is how they use their power. Exactly. Yeah. And that's what this book is about. If you read it in the right connotation, I think everyone would love it. Helps you really out. It really helps out with business world and even in your, you know. Then we got two more. So what's this one? We'll go through these pretty quick. Thinking Grow Rich by Napoleon Hill. It's a super old book. This book is brilliant. Basically it is, and if you have a vision and a goal, then you'll end up having that vision in mind. So love that book as well. That book very much, you know, would recommend. You know, Amazon. And then we got the classic. Yeah. And gets five pages in and then you stop. Back to that accountability point. I think this should be the first book. And you can, dude, you can look up a summary on YouTube for Rich Dad Poor Dad. We'll say like he talked about earlier, like make sure and try and finish. Like you're very hard to try and finish every book. But if there's one book that you kind of like go through just to get a concept of it, I think Rich Dad Poor Dad is definitely is one just to like skim. Or I mean, I watched a YouTube video. There's like 25. Rich Dad Poor Dad isn't more about, you know, it's about what it can teach you. It's more about. Yeah. So it definitely is just a rich man should have been. And as that compared to a poor man, you know, and he really. Very well. I think once you look at. Changes, I think this should be the first. Interested in. So, I mean, yeah, those are the three books that he had or that he just like brought with them. So we were like midway through the podcast. I'll tell you what, we got carried away. I think we added a lot of value today. A hundred percent. But yeah, you just kind of pull them out. Made a mid go of things, which is pretty funny. But yeah, so how to carry that discipline and maintain your home. Actively look for learning opportunities. Hold your peers accountable and go back to your why. And then the last one, which might just be the most important one out of anything, it's probably going to be right up there with like how to start. But this can apply to any of the sections, like how to start when you started and how to carry discipline. This is so important. Stop caring about what other people think. And I have something I want to add real quick. This doesn't mean to like not hold yourself to a high standard or just act like a jack off. Like don't fucking. Yeah. It doesn't mean like go be a dick to everyone. It means do things with purpose. But you know, happy things. And it doesn't matter what marks them. You know, whatever is going to make you happy and whatever is going to make you better. And a lot of people get nervous like to public speak or to to because the only reason people are nervous to public speak is because they are afraid of what people are going to think of. I took a speech class and I still get nervous. I do. I'll be I'll be completely honest. Sometimes I get nervous, but that's why I try and go public speak as much as I can. Like when I went to a networking meeting for my internship like two weeks ago, I was like, yeah, I'll be the first one to stand up and tell where I'm from, what I'm doing to get out of my comfort zone, which is which goes back to where you start. You're never going to be ready for when it comes out. I'm going to practice, practice, practice. Get uncomfortable for things to happen. A hundred percent. So, yeah, I mean, we just we covered every base. That's really everything that I had. I mean, we got a tip of the day. Yeah, I think that's something that I want to add in here to this podcast. And our tip today is advance your vocabulary. I think that's super important to know what you're talking. Sometimes you're in a sitting, you know, somebody says a word or like an interview, like you're in an interview and someone says something. Right. We really didn't get too technical. It was more of like, I would say, like, like ideology or like how to get started. And that was the full point of this one. Like we're, as we continue this podcast, right. Extreme detail. Yeah, and we'll touch up on real estate, we'll touch up on investing. Just key points. Yeah. But like I said, this was kind of like an intro. We had that tip of the day, advance that vocabulary. But another thing that comes with that is don't act like you know something that you don't know. Like that's another thing. If you if you're trying to sound smart and you're like, yeah, like the U.S. government is issuing out some really cool equities because you think that equities means bonds. You completely mess that up. Like the person who's listening is going to be like, you, I think you meant bonds. Or like, do you mean bonds? And you're like, no, I know exactly what that word means. Like you're just going to make a fool of yourself. Yeah. Exactly. Exactly. Right. Coachable. Right. Crazy. So that will conclude our podcast. Yousef, I want to thank you a ton. You know, you really you really helped out. He came in clutch. He brought the mic and then I brought the computers to set this bad boy up. We ran into some technical difficulties. Me too. I'm about to I was muted that whole time, but it's OK. I'm super glad with what we have. You know, something great. I think the fact that we're connecting with people our age and people that are 18, 19, 20, 21, you know, that's such an important. Some of those people just don't have community. And it's where you can get lost, too. It's the quickest place that you can fall off a cliff or you can climb. Everybody that talks about finance is always usually like, well, 25, 26, you know, they're already past their first stages. So I think this is a great way for you guys to come on with us and learn as we learn. And we'll teach you guys more to come. Exactly. But yeah, so I mean, thank all of you guys, the listeners. We don't know how many listeners we're going to have, but I mean, I'd say if we get like 200, 200 listens, 200 listens, I think I'd be really excited. And I think that we'd start putting out more content if we got to that number. But hopefully you learn something about what you as a young adult can do today to get started on your self-betterment journey or your self-improvement journey. And maybe just take notes on this and just kind of try and live it. Because I mean, I know me and Yusuf do every day. And that's how we've kind of gotten to where we are. And he's starting up his own company, rebranding. I'm in the works of something right now. Like I said, I'm building up capital. We'll get into that another day. But yeah, I mean, that's all I've got. Yusuf, sorry. Do you have anything to say? No, that's about it. All right. I'm super happy with how we've done. Absolutely. Well, thanks again, guys, for listening. And we are going to call it wraps. Bye. Talk to you later. Bye.