SPEAKER_03: 0:14

Hey guys, we're John Matt from the host Ron and Vegas. We're talking local sports businesses, real steady. You guys like to see some scrap. Follow us on Ron of Vegas. I got my clothes, Mr. Georgia Vegas in the house.

SPEAKER_05: 0:28

What's going on, everyone?

SPEAKER_03: 0:30

Today, we got special guests. We've been a luntai of financial advances.

SPEAKER_02: 0:36

Let's go.

SPEAKER_04: 0:41

Lantaia, Lantaya, Lantaia.

SPEAKER_05: 0:43

Lantaya, Lantaya.

SPEAKER_04: 0:44

There's a name in there.

SPEAKER_00: 0:45

I like the way you said it though. It was like Luntai. Oh, let's go. That's your job.

SPEAKER_02: 0:52

I like it.

SPEAKER_05: 0:53

It's like, let's get ready to rumble. I like it. Well, thank you for being on the show with us. Yeah. I'm like, this is exciting. We went to a coffee meeting not too long ago and we hit it off energy. We have similar values, so that's really cool. It's hard to find at times in this city, just people that align, but we get really lucky with finding people that align with our values all the time and energy because we're a little off sometimes. So we're very off.

SPEAKER_02: 1:23

I think they're on energy. Yeah.

SPEAKER_05: 1:25

Very off. Yeah. So we're excited to have you here just because I think this is such an important part or aspect that all of us as Americans are missing in this country. It's like, and we just don't know how to prepare. And sometimes, like I know myself, I'm first generation, went to college and all of that. So my education or my learning, even is not the same as somebody that's been brought up in a wealthy world, right? And they have a completely different concept of finances. So it's really cool to start somewhere, somebody like you. It's like, I don't know, yeah, how it was during the world. Yeah, we're excited. Yeah.

SPEAKER_04: 2:06

No, let's hear more about you. What's your story, where you're from, and we'll we'll dive into the financial part of it. We'll start from the beginning. Yeah.

SPEAKER_00: 2:12

Okay, yeah. Um, so I was born. No, I'm just kidding. Like from the beginning.

SPEAKER_05: 2:17

Okay, Georgia. It's like, okay, yeah, I make a short story long.

SPEAKER_00: 2:22

Well, I guess uh growing up, you know, we my parents are immigrants. So my mom immigrated here from the Philippines. My dad grew up on a farm. Um, he was born in Hawaii, but grew up with his grandma in the Philippines on a farm. So from a young age, I already knew, like, hey, we are poor, we can't afford everything that we want to have. We just need our money to work for us for necessities, right? So we I grew up in a one-bedroom apartment with my parents, my my two aunts, my grandparents, and my uncle.

SPEAKER_05: 2:58

Oh my god.

SPEAKER_00: 2:58

So we were like a pack of sardines in there. You know? Um, so from a young age, I already knew like, hey, we gotta save, we're penny pinching, and I grew up in section eight housing as well. Um, what what we did was my dad sacrificed and went into the Navy.

SPEAKER_02: 3:15

Okay.

SPEAKER_00: 3:15

And so growing up, I did not have a great relationship with my dad because he was gone often.

SPEAKER_05: 3:21

Um that's a tough life.

SPEAKER_00: 3:23

It it was, it was. And then we moved here in 2010. Someone told my mom, like a stranger just told my mom you should buy a house. So she did. And so the second property we had was here in Vegas, the first one was in Hawaii. Okay, and so that's how they built their wealth. And so I learned my money habits from my mom. Now, and she's always like, just save, buy property, like you know, that's that's the true way of wealth. Right. She was like, I've always wanted a house of my own, and now I'm living that life. So, yeah, from there, from then on, I knew like we had to do some things for for other people as well.

SPEAKER_05: 4:01

Right. I love that. That's a great story. Yeah, that's uh yeah, huge reason to get into finance. And did you always think you were gonna get into this realm of career? Or was there different aspirations in the beginning? What got you started?

SPEAKER_00: 4:16

You know, um I wanted to be a pediatrician. Okay, so totally different. Um, that's initially what I went to school for. I did three and a half years for pre-med.

SPEAKER_02: 4:29

Okay.

SPEAKER_00: 4:29

Um, I was almost done, but um I realized that you know, hearing real life stories from doctors, they were like, Yeah, we have to be on call. I graduated with six figures of debt, and I was like, I don't know if I want that for myself.

SPEAKER_05: 4:46

Yeah.

SPEAKER_00: 4:46

Um, so I pivoted, I tried nursing for a semester, and I was like, nope, that's not for me, I'm good. And then one summer I was like um watching YouTube and a YouTube ad came up and was like talking about investing in economics, and I was like, Oh, that sounds interesting. So um I spent that entire summer, I kid you not, I still have the notebook with me. I spent that entire summer learning the basics of economics, learning what investing means, what the stock market is, how it works, you know, and and then that fall semester I changed my major into finance. Nice, wow.

SPEAKER_05: 5:25

Yeah, you know, he's a finance major major. I was. Really? I was, yeah. Well, you always are.

SPEAKER_04: 5:34

I did the opposite. I graduated finance and then I went to real estate.

SPEAKER_00: 5:39

They intertwine. You gotta know the numbers a little bit, you know. Yeah, yeah, yeah.

SPEAKER_05: 5:45

Yeah, so it's like, yeah, so uh, so what is and I so I get ADD or I have ADD, so my head jumps all over the place. So when we're young, right, like it's too late for me. But when you're in your 20s, what is something, what's an advice you would give to kids? Because it's like at that age I remember I'm like, I am acquiring money to buy things, and I was very humbled at like 25. And that's when I went into like a minimalism lifestyle.

SPEAKER_02: 6:16

Okay.

SPEAKER_05: 6:17

What's advice that you give to somebody that you're just meeting or somebody that doesn't have a financial advisor? It's just what's the first things they should start thinking about? Because I at times don't know.

SPEAKER_04: 6:28

I'm a little Yeah, I would say not even the age, right? Anyone like wants to get started and investing.

SPEAKER_05: 6:33

If you're 38 like me, it's like what yeah, 45.

SPEAKER_04: 6:36

50? It's probably never too late, right, to start investing. So what yeah, what advice would you give?

SPEAKER_00: 6:42

To everyone in general?

SPEAKER_05: 6:44

Uh to me. Let's let's make it about me. I hate doing the biggest favorite podcast. It's like uh consult. You guys just get to see it. Yeah, so like what is it? It's like where does one begin? It's like because it can be scary because people, I guess this is where my question's coming from. So it's people think that financial advisors are at times out of reach. Okay, and it's only for a certain socioeconomic status, and that's not true.

SPEAKER_00: 7:14

That's not true.

SPEAKER_05: 7:14

It's like it is if you're trying to build wealth and you just don't have you haven't acquired that education and you don't have somebody to guide you, that is the best time to get somebody to start kind of telling you, hey, this is a good decision, this is not a bad decision, this is how we set goals, because then you have that accountability. That's where the question comes. I think that question is probably better than the first one.

SPEAKER_00: 7:34

Yeah, you know, there's there's this idea.

SPEAKER_05: 7:37

Thank you.

SPEAKER_00: 7:38

That is a good question. There is this idea that, you know, financial advising is just for the wealthy, right? Um, where that's not really the case. I'm here to service people who are fresh out of college, who don't know what to do with their student loan debt. How do they even tackle all of that? They're overwhelmed, you know. We have that issue today, yeah, right. Um, and then other times we help people who are going through certain life transitions, let's say they're getting married, or they're getting a divorce, or they're buying their first home. Like those are things that financial advisors will help help prepare you for. Um and we take the burden of the financial decisions off your shoulders and we make it our problem. And we're gonna figure out a solution to tackle that problem.

SPEAKER_05: 8:31

Yeah, we have to promote that. It's like people need to hear that part because it's so many conversations start that way with they don't think it's for any of the reasons you said, they just think it is for the wealthy.

SPEAKER_04: 8:44

So quick question for you, because you you talked about student debt. Would you recommend paying off the student debt up front or just invest and then figure that out later and just like make minimum payments?

SPEAKER_00: 8:55

I'd say it depends what you went to school for, okay. Um, and the interest rate on those student loans. Um we'd have to do like a cost-benefit an analysis, what makes sense? Should we focus all your income here? Is there a balance we can figure out? Or do we um delay the payments? Maybe you're in a nonprofit, right? You're an employee in nonprofit. Um, there's this student loan forgiveness stuff in there. Um if you work 10 years, you can get student forgiveness. Or if you're a teacher. So all those little like variables come into play when deciding what someone should do with the student loans. Um there's no cookie-cutter answer. Right. That I think it's kind of like real estate.

SPEAKER_04: 9:41

Yeah, yeah, it depends on the situation as a whole. Well, we've been real estate for the last year, so we're basically nonprofits.

SPEAKER_05: 9:48

So uh, for the last 10 years, uh I've been the profit. Um what now I lost my track at the back. No, but that that's a good disclaimer to give to everyone. Um, especially, and I say it all the time. I have a lot of friends that are kind of attorneys, so I feel like I've become a strickler for at times terminology.

SPEAKER_02: 10:10

Oh, yeah.

SPEAKER_05: 10:10

But however, people, yeah, it's like there is no, I love that you say that there's no cookie cutter answer. It's like every single person, even if you think it's the same synopsis or same story, it's not. So you have to that's when they sit down with you and that's where you do pick an appointment with you. So you get that one only consultation.

SPEAKER_04: 10:31

Yeah, for sure. So this is all generality, guys, okay? Yeah. So what has been like your biggest learning lesson growth moment in the past year?

SPEAKER_00: 10:40

Oh goodness. The past year.

SPEAKER_04: 10:43

Whatever.

SPEAKER_00: 10:44

Um a big learning moment. I'd say just facing my fear, like right now.

SPEAKER_02: 10:54

I love it, I love it.

SPEAKER_00: 10:55

I am an introvert, and this is way out of my comfort zone, but I've been taking chance after chance, and not just like in this setting, right? I've been taking the chance to put myself out there and interact with people, and that's totally not who I am as a person. But I've been doing it and and I'm capable of doing it. Just showing myself that I can do those things means a lot to me.

SPEAKER_05: 11:20

Yeah, yeah. It's like just growth-minded, I love that. Yeah, absolutely. Yeah, and introverts are very good at finances because you tend to like math, right? It's that's what it is at the end of the day, because there's only one answer to where when you're extroverted, you are curious about everything. Like, I don't think I'm fully extroverted. However, I have questions about I have a hundred questions for one person. And I'm like, yeah, or maybe I am, I don't know what I am, but it's like, yeah, so it's so what I I want to know. So, what is the most what's the what's the American word? Like frivolous, or what's the like craziest thing you've spent money on, maybe prior to being in finance, and now you're like, I would never do that again.

SPEAKER_00: 12:08

Oh my goodness.

SPEAKER_05: 12:09

Um, is there anything or vacation or I don't know?

SPEAKER_00: 12:13

I am a huge car person. Okay. The most expensive hobby out there. Yeah, I would say, other than golfing. Um I spent a lot on my car. Yeah. Yeah. I spent thousands and thousands of dollars just modifying well, first my Lexus. So I had a Lexus in college and I modified that, and then the engine died on me, and I was like, no, I don't want to replace the engine, that's another thousand dollars. Um, so I bought a new car. Well, new used car. Yeah. Uh Toyota Corolla hatchback. I've always wanted a hatchback. Um, and I've modified that too. So I'd say that's that's like.

SPEAKER_05: 12:54

And do you race or do you just like the modification look?

SPEAKER_00: 12:57

I like the look.

SPEAKER_05: 12:59

Okay.

SPEAKER_00: 12:59

I think it's sexy and I feel like a bad ass in it.

SPEAKER_05: 13:05

Yeah, it puts you in your alter ego. Yeah. You're pulling up. It's like a little fast and furious. Okay.

unknown: 13:10

Yeah, yeah.

SPEAKER_00: 13:11

But no racing, no racing. Maybe one day I'll learn how to drift.

SPEAKER_04: 13:14

Yeah.

SPEAKER_00: 13:16

There we go. Yeah.

SPEAKER_04: 13:17

How's your handicap this year?

SPEAKER_00: 13:19

Oh gosh. Um, bad.

SPEAKER_04: 13:21

Yeah.

SPEAKER_00: 13:22

I I am not a good golfer.

SPEAKER_04: 13:24

Oh, okay.

SPEAKER_05: 13:24

We're not good golf for season. Oh, well, we should go golfing. We should. But I do want to get a coach. I'm like, I I need to get a coach because that's the way people need to break everything down to me. If not, I can't just start swinging or just be told or or visualize it. I have to hear it. Yeah, we can't. Go through a sequence.

SPEAKER_04: 13:44

What's your uh favorite golf course? In Las Vegas.

SPEAKER_00: 13:48

In Las Vegas. I'd say Aliante because it's just gorgeous up there.

SPEAKER_04: 13:53

Really? I don't think I've done Aliante yet. The view is gorgeous. Yeah. Yeah.

SPEAKER_05: 13:58

Oh, cool.

SPEAKER_00: 13:58

Gotta check it out.

SPEAKER_05: 13:59

Yeah, we're gonna have to do that. So uh so there's a question in here that is good. It's kind of kind of the like the one I had asked in the beginning. And it is uh what's one financial myth you wish would disappear forever?

SPEAKER_00: 14:13

Oh gosh, I love this question.

SPEAKER_05: 14:15

Um okay, good. I'm like, all right, all right.

SPEAKER_02: 14:21

I know, I know, I know.

SPEAKER_00: 14:23

He got super excited since I it is the John Macknummer show, yeah.

SPEAKER_05: 14:28

But no, and you heard all the stuff.

SPEAKER_00: 14:33

So there's this idea, right? There's this idea that budgeting is restrictive.

SPEAKER_05: 14:42

Okay.

SPEAKER_00: 14:42

Um I'd say budgeting should be in alignment with intention and and your values so that it doesn't feel like it's restricting you, but more so freedom because now you're allocating your dollars to where you actually love to spend for it. You know, there's a purpose for that dollar. Every time I meet with a client, I'm like, so what's the purpose for this money?

unknown: 15:09

Yeah.

SPEAKER_00: 15:09

And we asked that because we want it to be in alignment with what you care about.

SPEAKER_05: 15:14

That needs to be on our vision board. Happy hours in other cities. There we go. Yeah. Because we do, believe it or not, this last time we went to Arizona, we stopped at this bar, that brewery that was pretty cool. And we're like just taking the bar apart, and it's really cool, and we're like, it's almost like a uh Bass Pro shop, but turned into a bar, and it's like, yeah, just the feeling it gives you, and just all of the bars for sure. We do, like not uh, yeah, not chains, right? So it's like it's just kind of cool, and then that's what we'll remember about a city. Do you remember? And then we meet cool people too. Yeah, yeah.

SPEAKER_00: 15:52

You know what? That's actually a great idea.

SPEAKER_05: 15:54

Yeah, yeah, it's like just kind of we can start doing that, yeah.

SPEAKER_00: 15:58

Maybe you can like work with it.

SPEAKER_04: 15:59

Yeah, that'll be yeah, that'll be good. So you're introverted, I'm introvert too. That's kind of why I went into sales. Make it about uncomfortable. So how do you because you kind of said you've been working on yourself, you know, to get uncomfortable. Like what what are you doing every day to make yourself uncomfortable? Work on your sales skills to meet with people and get clientele.

SPEAKER_00: 16:22

Oh isn't that working?

SPEAKER_05: 16:24

Yeah. Um we need to like partner out. I know I said this last time. Yeah, but it's like we're not competing, and it's part of my goal. So if you yeah, just let me know and I'll let you know about our events too.

SPEAKER_00: 16:36

Yeah.

SPEAKER_05: 16:37

I think we could that for sure. Yeah, sorry for the hour.

SPEAKER_00: 16:39

No, you're good. So I'm part of like referral groups out there, and I take in on a few board positions. Okay. So it puts me in the limelight, it forces me to be in the limelight, and I don't like attention. Yeah. But for me to feel comfortable putting myself out there, that's just one way to force myself to do that. Um, I've been growing this relationship with UNLV, and they've asked me to do some um panelist work as well. And so I'm like, sure, why not? I love that. I love that approach. Right somehow, and just you know, grow myself that way organically. Being involved with the community. I volunteer often, I'm part of the junior league of Las Vegas. They have over 600 members, and so every shift looks different. And I get to meet all sorts of different people with different personalities and having to adapt to those personalities, like they keep me on my toes, which I like.

SPEAKER_04: 17:44

Yeah, yeah.

SPEAKER_00: 17:46

That's how I've been doing it.

SPEAKER_04: 17:47

Good. Yeah, and understand the personality is such a big thing of how you yeah, she can't treat everybody the same.

SPEAKER_00: 17:53

Right.

SPEAKER_04: 17:53

So it's being versatile, right?

SPEAKER_00: 17:55

Right, and reading body language, just being emotionally intelligent.

SPEAKER_04: 18:00

That's huge, yeah. Having empathy.

SPEAKER_05: 18:03

Awesome. See, that's where I I I I have opportunity. I treat everybody the same.

SPEAKER_04: 18:09

It's yeah, it's uh yeah, it might be your Achilles seal, but it's also a strength of yours, too, because he can just talk to anybody. Like you and I, well, I won't speak for you, but I'm very introverted. So if I don't know yet, I'm like, I don't really want to talk to you.

SPEAKER_05: 18:21

Even if we're sitting at the bar next to somebody who's talking to somebody.

SPEAKER_04: 18:24

No, no, no, no. I don't want to. I want to hear what that I'm like, oh. That's why that's why like cold calling. Yeah.

SPEAKER_00: 18:30

Oh, makes sense.

SPEAKER_04: 18:31

Yeah, it can kind of get in, get out, like, you know. Um, but yeah, you're I think it's also a strength of yours too. You can talk to it wouldn't matter if it's the president of the United States or Joe Schmo next to us. He talks to everybody exactly the same, which I think I think. I think it's actually a strength of yours. Yeah.

SPEAKER_02: 18:49

Yeah.

SPEAKER_04: 18:49

Okay. So we can all be more personal. Right.

SPEAKER_05: 18:53

Right. That's I guess yeah. So yeah. Who would have thought I could be more versatile? So I want to know if there's any financial trend that you think we should be aware of. It's like, I don't know, like for us, constantly builders, interest rates, where are people moving from or away from, or is there jobs coming in? Like, what is there something? Because the last one I know was crypto, and then it's was 50-50. I never got into it, but I know some people that believe they were rich, they never liquidated money, and they're like, oh, that money was pretend money, it was like monopoly. So, what's like a trend you're seeing that's maybe just a fad or something we should be aware of, or maybe something that's really good that, hey, if you jump on this, the sooner the better.

SPEAKER_00: 19:40

Oh, that's a tough question. Um let me think about that for a second.

SPEAKER_04: 19:50

Or what do you think about crypto?

SPEAKER_00: 19:52

What do I think about crypto? I myself, it's too risky for me.

SPEAKER_02: 19:57

That's how I feel. Okay.

SPEAKER_00: 19:59

Yeah, it's too risky for me. I don't like the big movements. Um, it's not my appetite make me feel sick, actually. Okay, so I just stick with what I know and I'm an expert in. So crypto, I don't know much about it. But we do have a firm partner that is, you know, up his alley. Like he knows the ins and outs of crypto, and I try to ask him, like, hey, can you dump it dumb it down for me? And I still don't understand how it works. But um a trend, I can only speak about Las Vegas. Um I know that we're we're feeling that that um pressure from the housing market here. Um the last four years, it's just been a huge, huge boom. Um some people are feeling the pressure of like, oh man, I I don't know if I can afford housing here. Um especially young adults fresh out of college, they're they're with that, you know, student loan debts and yeah, you know, that's it's a lot, it's not what it used to be.

SPEAKER_05: 21:09

When I was in college, the homes were still under uh 200. It was easy. Yeah, when I was there was 110.

SPEAKER_00: 21:15

Yeah. When we first moved here, I think our house was 125k.

SPEAKER_05: 21:19

Yeah, that's the my roommate bought a home like that, and it was just the rent was paying for costly utilities.

SPEAKER_04: 21:26

And it's interesting too, because the luxury market's doing very well. I'm thinking you hit it on the nose, too. We have an issue of getting people into homes. Just start because the starter home is 500,000 now. Right. So they need more programs for that. I've never seen a slower time for the lower end. The lower end was always good, always fast. And it's like almost like I've never seen it so slow. And it's weird how it's flipped and luxury is it's doing very well. Yeah. Because they're not working, you know, they don't care about the mortgage rates. Yeah. So yeah, there definitely needs to be some kind of policy to get first-time home buyers in or create something, you know.

SPEAKER_00: 22:02

Yeah, that's where I'd like to like pick your guys' brain on because I do have younger clients, right? And so, like, what is it out there that they should know about when buying their first home?

SPEAKER_05: 22:18

Like, what sort of programs I have an answer for that kind of.

unknown: 22:22

Go ahead.

SPEAKER_05: 22:23

Thank you. I appreciate it. So, so you know what it our our our misconception is, and this I do tell a lot of people it's get into anything you possibly can. Yeah. So you're not paying rent or leasing out a place.

SPEAKER_00: 22:39

Okay.

SPEAKER_05: 22:39

And I know that comes with maybe smaller square footage, maybe it's not a house, it's a condo, you know, and we'll do cross-benefit analysis too, right? To see if like the HOA is too high. So just be flexible and versatile with where you can possibly live and get into a mortgage or equity, you know, to start gaining equity as soon as you can, because then that will help you in the long run in two, three years if you do decide to stay, right? To kind of, you know, not make a lateral move, but at least it's, you know, it's way better than it's just too many people think they're gonna save money if they just wait on buying the house and they don't say that. The money goes away and then all of a sudden the down payments go.

SPEAKER_00: 23:19

Oh, I understand.

SPEAKER_05: 23:20

Yeah, yeah.

SPEAKER_00: 23:20

I I've seen that often.

SPEAKER_05: 23:22

Yeah.

SPEAKER_00: 23:23

It's the same thing I tell the younger clients as well. I'm like, if your goal is to buy a home and you see that the math is mathing and it makes sense, then by all means go for it. But if it doesn't make sense and it's gonna bury you into a hole, then why are we? Yeah, you don't want to be iceboard for that.

SPEAKER_04: 23:41

Yeah, you'll never get the timing right. It's very hard unless you're in the business. Even when we're in the business, we get it wrong. So and I would say just to add on, because I think that was a great point you brought up. Maybe short term right now, if you're out there, new construction, starter homes, uh, a lot of builders are right now are doing the buy-downs on the mortgage rates. They're giving you credits. Very good. You can go into these homes almost with all. I mean, we've just seen a lot of clients, and the builders are trying to get rid of these homes, getting some amazing deals out there. So, yeah, if you have anyone, we can do a consultation with because we know the builders and when they they reach out to us first when these deals were occurring. So it's a great opportunity versus just looking at the mortgage rate right now. That's not how that's not how it is for the builder, it's usually one, two, maybe even three points lower, depending on the builder.

SPEAKER_05: 24:28

So okay, yeah, yeah, that's really good. And then to the the flexible part too, right? It's like if it's not a house, a townhome, or even a condo, yeah. It's like, yeah, and there are new ones of those, and it's like uh we I think everybody or the American saying or the American dream is always like the white picket fence. We don't even have white picket fence because you don't have to be like, no, we don't, we don't dry rod or whatever uh happens to the to the wood out here, but um however it's just being flexible with that and just say, hey, just know that it's temporary, it's not gonna be your forever home, and then yeah, it's like I love that that the new buildup because it's like, yeah, that's under there's a lot of good options there.

SPEAKER_04: 25:10

Yeah, yeah.

SPEAKER_00: 25:11

Okay.

SPEAKER_04: 25:11

So what are your goals look like for the next year or two?

SPEAKER_00: 25:14

Oh wow, okay.

SPEAKER_04: 25:16

Got a lot of them, yeah.

SPEAKER_00: 25:18

Um, for the next year or two, honestly, just building my practice. I'm in hustle mode right now. So I'm this is actually the eighth day, straight day that I've been working since I got back from my trip at Seattle. I've just been hustling. That looked fun. Hustling. Oh, thank you.

SPEAKER_05: 25:33

Yeah, are are you a big travel? Oh no, finish that question. Yeah, I'm sorry. Sorry.

SPEAKER_00: 25:41

I'd like to double the revenue that I have now and the clientele that I'm helping right now.

SPEAKER_02: 25:46

Okay, great.

SPEAKER_00: 25:47

Um, eventually I want to find my niche, but right now, since I'm in growth mode and hustle mode, like everything that I can take on, I will take on.

SPEAKER_04: 25:56

Awesome. I love it. I like that.

SPEAKER_05: 25:59

Yeah, I was gonna say just you know, for it well, I choose people I work with based on energy, right? And they're for flowing, so it's like what else do you like to do personally? Is it traveling? Oh, yeah. Or is it yeah, what's like aspirations or what aligns? I know it's calling. It seems like a little bit of traveling and food. You're big on family, so I am big on family.

SPEAKER_00: 26:21

Um, I'd like to volunteer more, honestly. I love giving back to the community. Um, that's one goal is to put in more volunteer work hours. Um, another goal of mine, I'm actually really afraid of flying.

SPEAKER_05: 26:36

Oh, really?

SPEAKER_00: 26:37

Yeah, so um I'm trying to get over that fear. I have a trip coming up in December to go to the Philippines.

SPEAKER_04: 26:44

Oh.

SPEAKER_00: 26:45

And that's a long flight. Yeah.

SPEAKER_04: 26:48

Oh man. Are you nervous the whole time when you fly or just when it goes up and down?

SPEAKER_00: 26:52

Or um, I get nervous when we take off. Um, this, the idol, is fine for me until we hit turbulence. And then that's when I'm gripping my seat. And I'm like, oh, it's okay. It's just a speed bump in the air. Um the landing is fine. Because now I'm like, okay, we've met our destination. We're gonna be off, and I don't have to be in this giant metal plane anymore. Yeah, yeah. Um so doing more of traveling, getting over my fear of flying, um and maybe doing more stuff like like this. That'll be fun.

SPEAKER_05: 27:36

Yeah.

SPEAKER_00: 27:39

Oh, we'll see.

SPEAKER_05: 27:41

We'll see. Hey, it's not a no.

SPEAKER_00: 27:43

I've talked about it a few times, but there we go. Yeah.

SPEAKER_04: 27:46

Yeah. That's why I did it. Get me on my counter some.

SPEAKER_00: 27:49

Yeah.

SPEAKER_04: 27:49

Yeah.

SPEAKER_00: 27:50

This is great.

unknown: 27:51

Yeah.

SPEAKER_04: 27:52

Yeah, it obligates you to be here in the moment. It's like, oh no. Yeah. So what else do you do in Vegas that you like to do for fun?

SPEAKER_00: 27:59

I know you golf, but um, I love to go to our sports games. Yeah. I'm a huge aces fan. Awesome. Um, I know we congrats. Yeah, we won. Yeah. Um the championship.

SPEAKER_05: 28:11

Yeah. I know no sports. He doesn't know sports.

SPEAKER_00: 28:14

Oh, that's so funny because on your I know, so sports.

SPEAKER_05: 28:18

Yeah, I'm a thing of sports game. That's the only reason I do it. And all of our friends know that I have no like when I say I don't have a clue, I don't know the rules, I don't know anything. However, I spend it with my time with everyone that loves sports, so I'm like sports there, but I'm just there. I literally don't know what's going on. Yeah.

SPEAKER_02: 28:41

That's funny. Yeah.

SPEAKER_05: 28:42

So if we ever see that know that I'm just doing it to do it.

SPEAKER_00: 28:46

I really thought that you were so into sports.

SPEAKER_05: 28:52

Yeah, no, maybe my alter ego. I'm like, yeah. Speaking of alter ego, if I could be anything like other than finance, I'd be an athlete. Yeah, what type of athlete?

SPEAKER_00: 29:07

UFC fighter.

SPEAKER_05: 29:08

Who? Oh. I know it's like what are you doing martial arts now?

SPEAKER_00: 29:11

Um, I used to do taekwondo in college, and then I did boxing and a little bit of jujitsu. So I love contact sports. Yeah.

SPEAKER_05: 29:23

I want to get into something. I'm like, yeah, I just don't know what. It has I I did judo two years. Oh, yeah. Yeah, that was fun.

SPEAKER_02: 29:31

Oh, yeah.

SPEAKER_05: 29:31

And then that was, yeah, just that's good to just get all your frustration out. But I'm like, I want to do something again. So stress. Have you gotten any fights?

SPEAKER_00: 29:41

No, I'd like to.

SPEAKER_05: 29:42

We still need to go to one. I know.

SPEAKER_04: 29:44

Yeah, it's on our bucket list. I've heard twice. It's different when you go live.

SPEAKER_00: 29:47

Well, hit me up. I'm down to go. Let's do it.

SPEAKER_05: 29:50

Yeah, next year. That should be uh uh look at that!

SPEAKER_00: 29:53

We gotta wrap it up!

SPEAKER_03: 29:54

I want to bring it up! That was quick.

SPEAKER_05: 29:58

That was really quick.

SPEAKER_03: 30:00

Financial advisor Rebuys and running bags. Take care of yourself again. Thank you.

SPEAKER_05: 30:04

Thanks so much for being on here. Thank you. Yeah, that was really that was really, really quick. That's crazy.

SPEAKER_00: 30:09

That was so fast.

SPEAKER_05: 30:10

I guess we're not closing.

SPEAKER_00: 30:13

Oh fucking.