Welcome to the Eventual Millionaire Podcast. I’m Jaime Tardy and today I am excited to have my good friend, Todd Tresidder, on the show. Todd runs a website called FinancialMentor.com. He’s a good friend because he is also in a mastermind group with me and I am really excited actually because I finally get to meet him in person, when I go speak at New Media Expo in January. We’ve been friends for a couple years now, never met in person. Actually, if you actually check out the newest blog post too, you can actually win a ticket to New Media Expo so, if you want to meet me and Todd, you can go ahead and win a ticket at the site by commenting too. Thank you so much for coming on the show today, Todd. I really appreciate it.

TODD TRESIDDER: Thanks for having me, Jaime.

JAIME TARDY: All right. Now I know or I thought I knew a lot about your history and then we just chatted a minute ago and I didn’t, which is not good. Not good of a friend of me. But why don’t you first tell me about what your first entrepreneurial venture was like.

TT: Paper routes. I did paper routes, as a boy. I started out with one and figured out that as long as I was out for the morning walk I could get another and then once I had two, then typical entrepreneur, I went and got a motorcycle so I could deliver them faster and better. I magnified that from there and then this is kind of consistent with what I’ve done in business which is I realize that I actually didn’t like dealing with folding papers, getting on a motorcycle and running around in the morning. I missed my morning walk. I liked the simplicity of the morning walk and just taking my dog for a walk in the morning and so I went back to, after all this growth and everything, I went back to just walking n the morning and doing the paper routes on foot.

JT: What time did you have to wake up in the morning to do all that stuff?

TT: I don’t even remember now, but I would guess about 5:00 or 6:00.

JT: That’s not bad.

TT: Yes, I would be walking around the neighborhood but I loved it. To this day, I still love an early morning walk, you know, just the stillness of the morning and the peace and nobody is up. It gives you a jump in the day. I love it.

JT: It’s funny that you went to try and make it more efficient, more efficient and then you went back. Is that sort of a theme in your business ventures or in your life in general?

TT: I think that it’s something that I have become more and more conscious of that it’s not just about the wealth but it’s about the lifestyle and about finding out what you truly love.

JT: We’ve talked about that quite a bit because you sort of have the same thing. I know the last time, I’ve had Todd on the show before, you guys should definitely listen to the previous interview too. One of the things you really talked about was it’s really not about the money and I think that’s really important for us to know and the people that are listening right now, we can work our butts off but if you’re working your butts off and creating a life that you hate, not really the best idea that you could do. That’s sort of like your premise for FinancialMentor.com where you can grow your net worth but also enjoy the life that you have, right?

TT: And it’s about the quality of your life. The depth of what that question is, is hardly touched on by most people. We have, I call it the millionaire myth where people think if they just made a million bucks or they were financially independent that all their troubles would go away and everything would be fine. It’s not that way. You get a million dollars and first of all it’s not enough money and second of all your troubles don’t go away. You’re still the same person. You’re just the same person with a million dollars and you’ve got the same troubles. It just changes form.

There’s different ways to have wealth. For instance, we have another friend who has excellent passive income from his site. It’s about lifestyle. As long as you have the money to lead the life you want and to pursue your creative endeavors, that’s what really matters and there’s a lot of ways to skin that cat. It doesn’t have to be about having a million dollars, which is funny for me to say on Eventual Millionaire.

JT: Exactly, right.

TT: But really, one of the things I teach in retirement planning is that for every thousand dollars of passive income, it’s equivalent of about $300,000 in assets on a cash flow basis. For example, in my business, we’re talking about different income goals as part of our mastermind. It’s exciting for me when I pick up another thousand dollars in passive income in my business, because to me it’s not just a $1,000 a month which some people look at and think oh well what’s the big deal. To me I look at it as a $300,000 asset and that excites me.

JT: It’s so funny because listening, like you are saying, you say this on the call and you assume, you have a high net worth, you would assume you wouldn’t be like yes, a $1,000, it’s awesome! When I was interviewing Dane Maxwell, he said the same thing. He’s like that first $150 I was like sweet this is the best thing ever. Normally a lot of the people, especially when they’re first starting out in business, they’re like I only made $150, it’s only $1,000, it’s not enough. But really you look at it in a totally different way.

TT: Totally different and that’s why I appreciate some of the people you and I network with is they totally support that. They understand that first $100 a month, yes it is only $100 a month but the infrastructure you had to build to get to that $100 a month, it’s the 80/20 rule in reverse. It’s like you have to do 80 percent of the work to get 20 percent of the results and then once you get that base amount of result, then you can start multiplying it out. So getting those first 1,000, 2,000 a month it may not sound like a big deal but it’s really cool because you’re proving out your model and then you go into leveraging the model out, which is very exciting times.

In building a business there is really two stages. You’ve got the first stage which is proving out the model and building all the infrastructure, which excites some people. Some people find that the most exciting part because that’s where the growth is and the development and the creativity. But the money is in the boring part. The money is where you roll it out. If you’re in it for profits, that’s what’s exciting and that’s the second stage of business.

JT: I think this is really interesting. Let’s get into this because I work with clients, you work with clients, I hear a lot when people, especially are first starting a business and have these huge high hopes, they’re like this is hard. This is tough. The sort of things that they see isn’t enough money. It’s not enough. They feel like they’re not moving fast enough. They feel like they are not doing well enough but that’s it. That’s the piece that you have to do in order to ever get to the second piece. So tell us a little bit about what that first piece is like. What should people be doing when they’re starting their business and that first piece trying to get the processes going?

TT: First of all, yes, it is frustrating and it is hard work. Every business I have ever built has been that way.

JT: Darn, the myth, right?!

TT: It takes twice as long, cost twice as much. It’s a clich?, but it’s true. But your question, I lost your question in saying that. Your question was?

JT: Tell me more about how you prove out that model. How can we do that?

TT: I think that depends on the model. I look at it, first of all, when I am building a business and looking at what I want personally out of the business. Then I try to make the business reflect that in the model and then I make sure that the model obeys all the principles that you need for a successful business. It has got to be scalable. There’s got to be leverage principles involved and I try to imagine what the business looks like once it’s built out so that I’ll actually have the life I want once it exists because too many times, I’ll give you an example, a classic example.

I get a client with ten houses so they’ve got this passive income and they can’t understand why they’re miserable. It’s because they’ve got ten houses. What they don’t understand is they bought themselves a halftime job running ten houses, being a landlord and dealing with all the junk that comes with that. One of the keys is understanding what you’re building and why and where it’s going. For example, in our business, you and I both are in the internet space. There are a lot of people who are into the perpetual product rollout.

They’re always launching another product and then they launch another product and they create another product and they launch that. To me that strikes me as hell. I don’t want that. I don’t want to be perpetually launching stuff. I want to serve my readers. I want to provide them with valuable info. How can I build a model that fits who I want to be and how I want to deliver?

JT: Is that something that you do at the beginning? It’s funny, I am creating a course on how millionaires start their business and so I sort of have pulled out some of this stuff but I am really interested in how you do it. Either an example from you or from someone else you know that, how do you do that? Do you look at that first and go okay this is the lifestyle I want, what business would fit in or do you go I want to do this business can I sort of squish it so that way I can go into the lifestyle that I want? How do you do that?

TT: I start not only in my own businesses but working with coaching clients, I start with who the person is and what their skills, resources and abilities are and then what their passions are like where do they want to go in their life. Then you have to look at the business you’re building and see if it’s going to fit that. I gave the example of the ten rental houses. You can’t ever really leave ten rental houses. I can give you an example, I had a lot of apartment units and I was on vacation in Hawaii with my family and I spent half the vacation dealing with a drug bust at one of the buildings.

JT: A drug bust, oh man.

TT: It was terrible. It was a big deal. It was a big deal. They brought in a SWAT team for a major drug bust. They weren’t scummy properties. This was a beautiful property. It just happened that it was the son of one of the tenants and he was dealing drugs out of there and I contacted the property, it was a double raided problem because the property management company denied that it even happened even though I was getting notifications from the SWAT team and the state.

JT: Notifications from the SWAT team.

TT: Yes, I’m in Hawaii dealing with this while I am supposed to be on vacation with my family, but there was no way around it. I had another friend of mine who owned properties and he had the death of somebody in one of his properties, while he was gone. He had to deal with that and there’s no way around it. And that was beginning and the end of me owning property by the way.

That was kind of the final straw that broke the camel’s back on why I said I am focusing on my business in a different way and letting go of my property portfolio and that was part of what caused me to sell it all in the 2005/2006 period and liquidate. I liquidated all my real estate in 2005/2006 and that was one of the impetuous. It just wasn’t matching who I was and how I wanted to live my life.

JT: How do you find things that do? I know you’re in the online space and a lot of people are looking to get into the online space because ooh it seems so amazing. You can work from anywhere. You can do this stuff. They sort of idolize the live the lifestyle of your dreams when you have an online business. Should we be paying attention to that or should we not? I think the hard thing is that we think of lifestyle and we’re like I want the perfect lifestyle. I want to be able to work from a beach in Cabo and make money when I send an email, when I sleep and all that fun stuff. I feel like there’s the opposite of like we assume that now it’s all about the lifestyle, let’s create this business around my lifestyle but we sort of forget that it’s all about hard work too. You know what I mean?

We idolize the lifestyle but it takes a really long time to get to that lifestyle too. Where is sort of the in between? If I’m newer to business and I want to pick something, do I jump on the lifestyle bandwagon or do I sort of do it in between? Does that make sense?

TT: I saw a piece from Brian Clark that I thought was really interesting, copy blogger theme. He basically drew the distinction to just forget about this whole thing of online business. It really is just business and that really struck a chord with me. I’m in the financial education business and what intrigued me and why I got motivated on it was I saw that through online I could use technology leverage for an efficient delivery system so I could break out of that, I’m sorry, I was going to say rip off weekend seminars but that’s not really the right, like all those boot camps for $3,000, on a weekend, that kind of thing.

The get rich quick boot camps and all that, where you get all excited and you go home and you realize oh gosh I go to implement and I’m the same person I was and I don’t have the tools I need and then they go right back to where they were. I saw that through online there was a way to communicate a very niche approach to the process that would probably make business sense and be viable and be consistent with the lifestyle I wanted to lead. For me, what I really liked about what Brian said was it’s just a business.

Forget the online part in front of it. I’m in an education business. I sell books but yeah the books are sold online through Amazon. That’s an entry point. I have traffic. I have conversion. That’s no different than if you had a store. The difference is it happens online. I have an email list. These are customers; these are people, real people. It’s all the same thing. It’s just we now have online as a delivery method as a leveraged way to reach out to people and we can use technology to deliver the information in ways that allows price points that you can really deliver great value.

That to me was one of the things that really excited me is that I saw through online I could delivery great value. What I’ve learned since then is the upfront price that people like you and me pay to create that is huge. There’s a learning curve. It’s hard work. There’s a lot that goes behind this that’s not obvious to the user on the other side of the screen.

JT: I want to stop you because I can’t stop smiling because I love that. It’s business. This is what my mentor always told me when I was like I want to get online. I’m a geek. I think online is the way to go. He’s like it’s the same thing. It’s the exact same thing and I think that’s really crucial, especially for people new in business. They’re like oh I want to do an online business. It sounds wonderful. It’s the same thing. It’s business and it’s really hard. So let’s go into, like you were saying, we sort of have this disillusion of it’s not as easy as everybody thinks.

It’s not like this and you set up a website and it starts getting amazing amounts of traffic and it’s generating money while you sleep like this, like those quick seminars or quick info products or something like that. Tell me about what it has taken for you or some of the struggles or things like that that you’ve been through or disillusions that you’ve learned while building an online business.

TT: I think the first disillusion is this whole online business idea that we just talked about, you know, that it is a real business. Oh boy, I don’t even know where to start on the learning curves. I mean there’s the learning curve of the technology and it’s constantly evolving because it moves as fast as I learn it. For instance, I am going to be putting up a podcast hopefully in 2013.

JT: Yes! See and if you need any help, let me know.

TT: Well you know I will. I’m looking at doing a podcast in 2013 so there’s a learning curve. It’s not huge because it’s a pretty refined process now. Typically what I do is I may lay the groundwork and that way the technology is well defined and well proven out and there’s clear courses to follow the path and it’s usually pretty efficient by that people, you know what people are paying for technology, you know, $1,000 for a microphone and they couldn’t figure how to USB and now you can buy a perfectly good USB microphone for under $100, as an example, because there is so much demand for them. The price I pay is I am not early at the front.

Probably the first place I have been an early adopter is the Amazon book because to me that one was really obvious. I’ve always felt that the book publishing model, traditional book publishing model, I could never make any sense of it. I know you are looking to get a traditional book published but I never could make sense of it. I couldn’t understand why I would do all that work to write a book and they would own the rights on it. I can’t give away my creativity like that. Whereas when I own the book and I treat the book as a business and partner with Amazon through distribution channel and knowing that Amazon owns the book space on the internet and that’s where all the traffic is going anyway, I mean we’ve already lost Borders bookstores.

It’s only a question of time, in my opinion, until more of the bookstores vanish. It’s all going online and eventually, I believe the whole media of books is going to change. Right now, an eBook is the poor step child of a traditional book, right? But that’s going to go to multimedia. Eventually the eBook is going to become the premium high quality product that’s going to command a premium price. To me, the vision on this whole thing is really clear in my mind and that’s why I was actually for once an early adopter. I think that’s probably the only place where I have been an early adopter. Typically I go late in the curve and I adopt late technology and I’m slow to the punch line.

JT: Tell me more about that because I think that’s huge. A lot of people think that they need to be in first. They need to be the first person so that way they can get the growth. You and me both now that if we started years and years and years ago, Chris Brogan has been around forever, when blogs first started. Being an early adopter seems like it’s usually a huge asset not a liability but for you it’s really interesting to hear there are assets to being a late adopter too.

TT: Well, I think it comes down to again what you want. There’s a tradeoff. I think there is an advantage to being an early adopter. The competition is less. So if you and I had podcasts earlier on, it would have gotten traction a lot easier and it would be more established. If you and I had had our blogs through the real premium growth period of the blogs starting around 2005, we both know we’d be much further down the road than we are. So there’s advantages, but the flip side is look at the development of Word Press technology since then.

You and I are stepping into completely proven headache free technology and there’s so many structures involved in it that that works for where I am at. I’m willing to go ahead and compete and put my voice in the ring and have a more refined system for it. In hindsight had I wished that I adopted Word Press back in 2005, sure. Sure. The difference would be huge right now if I had been one of the early ten bloggers in the finance space, but I am not. I’m not, but I am doing fine.

JT: It’s funny that you say that because I started my blog in 2006 using nucleus, because I am a geek I knew all the PHP and the backend and stuff, so I did that and I lost it all anyway because the technology was a pain in the butt to deal with. Like a year of blogging down the tubes because of it. It’s funny that you say that because I think I was an early adopter and it sucked so I didn’t even get where I wanted to go anyway. I stopped doing it and sort of failed on that route though I totally wish I kept going.

TT: So this will tie into our conversation. You don’t know this about me but I was actually writing financial content and not publishing it for two, three maybe even four years because I didn’t have a platform to publish it on but I knew I wanted to do the business, right. I was really clear I wanted to do business. I was building up and I kind of had in mind this body of content I wanted to build, which you can see on the site now and I was writing it. I kept writing these pieces and writing these pieces of things I thought was relevant that I wanted to get written.

In the meantime, I thought through what is the platform like. How did I want this thing to work and I thought of okay I want a database because I know this stuff is going to evolve and I don’t want it like traditional site where it’s all coded and then anything you go to change you have to change every page manual. You have to do all this stuff from the old days and I was like looking at that going I don’t want to start building this thing that way because I knew it’s all going to get torn down at some point. It violates my efficiency like I’ve got this brain over efficiency, right, and I am just thinking through like it’s got to be a database structure with a skin wrapped over the top. All these things that are obvious to you and me now because we work with Word Press and we know how it works but, at the time, I didn’t know anything about Word Press. I was just defining the characteristics of what I wanted.

This goes back to what you and I were talking about earlier. I had defined the characteristics of what a workable system was, for me, where I could begin the business and one day a friend introduced me to Word Press. Once the friend introduced me to Word Press, I went down my checklist. I literally had a checklist.

JT: You actually had a checklist? Wow, that’s impressive.

TT: Yes, I had a checklist and I went down there and I went down the checklist and I go yep Word Press is that, yes Word Press is that, etc. I said, “Great, I’m ready” and that’s when I started. Literally that was the piece that was missing for me to start building the business. Until then I had a brochure word site done in traditional way. Actually it was far worse than that because it was done in frames and it was all the mistakes you could make. I learned Word Press and I scrapped the whole thing just like I knew I’d have to some day and start it from there.

JT: Do you ever regret that? That’s a really good question. When you’re going through and you’re like okay this is the business I want to build but I don’t have all the pieces yet and a lot of people probably feel that same way like ooh I don’t have all the pieces yet, should we go ahead and push forward anyway and just keep doing it or should we wait until those pieces fall in place?

TT: You have to be clear what you can bend on and what you won’t bend on. I’ll give you an example for real estate investing. When I was buying apartment buildings I was working with different brokers and basically, at one point, the broker was yelling at me. I mean he was literally screaming at me. He goes, I’m paraphrasing, “But Todd, you are such a pain in the ass.” I don’t know if I am allowed to say that on your podcast.

JT: Whatever.

TT: How is it that all these other investors, because this is in the heyday of real estate when people were paying ridiculous prices for real estate and of course we know now what happened in hindsight but I wasn’t willing to pay those prices. I had my boundaries. I knew what was a safe deal, what my boundaries were and I wasn’t going to go outside of it. These brokers would get so frustrated because I was a valid buyer, I was serious enough to be doing the homework and yet they couldn’t get me to budge on a deal and it’s because it didn’t fit my criteria. It didn’t work for how I wanted to work within the real estate business.

This one broker I’m telling you about, it actually became a challenge for him and he knew that if I was going to get a deal, if he was going to get a deal to me, it was going to be so good that he had to be able to pounce on it immediately so I had pre-signed offer forms with him. There’s outs, they’re subject to on any offer and so you could always get out. So if he did an offer and it got accepted, I could always still get back out of it. I pre-signed offer forms and a deal came up that fit my criteria, because I was so clear. He knew exactly what I wanted and how the deal had to work and he found one and he submitted it. I was the first offer and they accepted it and that was how I finally got a deal with him.

JT: Is this something that you’ve always been like; like these boundaries and setting up these rules? Were you always like that as a kid or is that something that’s evolved?

TT: It’s evolved. It’s learning. It’s just understanding who you are and what you’re willing to bend on and what things work for you and what don’t work for you for how you operate. As an example, I work in total quiet. It’s like total quiet because if I hear distractions and stuff I can’t focus. It’s just who I am.

JT: Awesome. Can you tell me any resources, I know your books already, everyone should check out your books on Amazon and I’ll put a link to your site so people can check those out, but what are sort of some of the pivotal books that you’ve read recently? I’m putting up a post about pivotal books so tell me what one of the pivotal books in your life have been.

TT: This one is probably not that great for this interview but it is a pivotal book – In the Realm of Hungry Ghosts and it’s all about drug addiction.

JT: Really?

TT: Yes. What’s cool about it is it’s written by an addict who is a doctor. They take all these addicts, I think it’s in the Vancouver area, but I am not sure, and they have these buildings, these hotels where the addicts are kind of centralized and so it’s kind of drug central. This guy is one of the doctors that comes down there, provides public health services for them and he’s an addict, but not a drug addict. He’s an addict to other things, which he talks about in his book and he really probes the issues of addiction which, since you coach people, addiction is prevalent across society. This is not just something; it’s a much deeper understanding of what is behind addiction in a way.

It’s really second level knowledge on addiction. It’s really cool and the thing that’s happened as a response inside of me because one of my values is personal growth, right. How I grew as a person on this is I really became much more accepting of people. I lost the judgment recognizing what’s behind addiction and seeing what’s going on with these people. It’s a remarkable book.

JT: That’s awesome. That’s really cool. I love that you answered that way instead of the classic business books that everyone has heard of. I’ve never heard of that and I really need to check that out. I think what’s funny is that as soon as you said that, I forgot to tell everybody that’s listening. Todd is a crazy guy. He spins fire poi and does burning man and all this crazy stuff too. It’s funny how you think Todd is all buttoned up, was a hedge fund manager and all this stuff.

We all have different aspects of our personality, which I think is really cool, which is why I like doing interviews, which is why I like connecting with people because you can really see all facets. Every person is so different, has so many different sides. So it’s really cool to actually learn more about you in the interview too, Todd, because I talk to you all the time, but I didn’t know some of this stuff.

TT: And you just made public fire spinning. I never revealed that before.

JT: We should cut that out.

TT: That’s fine. It’s the truth. It’s part of me. It’s something I love to do. You know what I realized through it, it’s pretty funny, because it has been awakening, for me as a person. I’m a closet percussionist and I never knew that. So spinning poi it’s a percussion. It’s a rhythmic percussion tied to dance. So as a result, I’m also in the process of probably going to take drum lessons with my daughter.

JT: Really?

TT: Yes, who wants to take up drumming. So we’re getting a drum set and we’re going to take up drum lessons together.

JT: That’s so cool.

TT: This is just something on awareness. I took up African drumming around the same time I took up poi spinning.

JT: Really? That’s really cool. I love how you go and do adventurous stuff and stuff like that too. Like you said, that sort of ties back into its living the life that you want, doing the stuff that you want and that really is what matters more than anything else ? that freedom.

TT: I mean the whole myth of financial freedom and endless rounds of golf and Mercedes Benz and all that, it’s about life experience. You use the freedom to create life experience. That’s what it is about. So when you threw out the poi spinning, that’s part of my life experience. It’s part of the adventure.

JT: Makes you cooler, Todd. It makes you cooler.

TT: The great hurdle guy.

JT: Awesome. We need to wrap up. I want to ask you the last question that I ask everybody ? what’s one action that listeners can take this week to help move them forward towards their goal of a million?

TT: Well I think I’ll answer this the same way I did in the last interview.

JT: We all need reminders, so go ahead.

TT: Just take action. Go ahead and intellectualize it, strategize it but take an action. I’ll add to that form a habit that if that habit is repeated will take you towards your goal. That’s something I’m really getting more and more focused on in my coaching work is you take a goal and you break it down and you structure it to the base habits you need in order to achieve the goal so the goal becomes inevitable. Grab that habit and adopt one, just one habit.

JT: Can you give me an example too? Say one of the goals and what’s a habit that somebody can implement based on that, so that way we have just a general idea.

TT: Boy?

JT: I put you on the spot by the way.

TT: I’m actually going blank on it so I am just going to pull a clich?. Save a dollar a day. If you want to get in the habit of saving, then save. Go ahead and put some money away every day and just get in the habit and watch it grow. I don’t like that answer. I’m sure there’s a much better answer but that’s what came off the top of my head.

JT: I totally put you on the spot.

TT: That’s all right. Diet and exercise, health. Health is really the same thing as building wealth. All the principles are the same because they’re both processed goals, right? The technology which you would process goals is completely different from what I call a goal that you can cross off a list. Buying a house requires a specific technology but a process goal like building wealth is so long term and so it morphs. The same thing is like diet or health ? it never ends until you’re six feet underground.

A health goal would be something like eat one piece of vegetable a day, one vegetable a day or make it so that two meals out of the day are vegetarian. I don’t know, I am making them up because it’s going to be different for each person’s health but you would just take something that’s achievable that you can actually do that will take you clearly and definitively towards your goal and adopt that one thing that you can do now and you can add to it later. You can add another one and you can add another one and all these things accelerate the path. But for now, just grab one thing and make it a habit.

JT: That’s awesome. That’s exactly what I did. I cut out sugar and then I cut out flour and now it’s such a habit. I do it every single day and I don’t even think about it because it just sort of came on. It wasn’t that easy at first but it just became such a habit. It makes all the difference in the world.

TT: Right and then you changed what you stock the house with.

JT: Yes, there’s no sugar in the house. People hate coming over. What the heck? There’s nothing good to eat here they say.

TT: It’s a practice and you build it over time and once it’s a habit it’s easy to repeat.

JT: Awesome. I love that.

TT: Until you’re at the restaurant and you get baklava. Now you got flour and sugar!

JT: But it’s not in the house. That’s different. But I loved how you just did the distinction of a process goal. That makes a big difference. Thank you so much. I really appreciate it. I love talking to you just in general anyway so it’s great to have you back on the show. Tell me where we can find you online, on Facebook, Twitter, your website, anything you want to promote right now please do.

TT: FinancialMentor.com is the website and really the flagship book is How Much Money Do I Need to Retire and it has completely turned over how financial planning approaches retirement planning. The thing about it that’s really important here is it’s for anybody who is interested in financial independence. It’s not just about retirement. Retirement is a euphemism for old age financial independence. This book goes through and explains all investment and the math and everything behind financial independence and so all your people would be interested in that.

JT: I agree. You can be 40. You retired when you were 35 so definitely take a look at that book. I’ll try and link it up too in the show notes so that way everyone can check it out. Thank you so much, Todd. I am sure I will be talking to you again in just a couple days but I hope you have a wonderful week and take care. Thanks.

TT: All right. Thanks, Jaime.

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