Are You Financially Literate Enough to Thrive as an Entrepreneur? With Brian K McNeill: The Sales Confidence Coach

In this episode of the "Cash and Sass" podcast, host Lisa Marie Robinson, the "sassy wealth queen," engages with guest Brian K. McNeill, a sales confidence coach and bestselling author. They delve into financial literacy, emphasizing its importance for entrepreneurs and business professionals. Brian shares his personal experiences with money management, highlighting the lessons learned from early financial mistakes and the value of saving and budgeting. The discussion also covers the significance of storytelling in professional communication, the necessity of understanding financial principles, and the impact of mindset on achieving wealth and abundance.

• Importance of financial literacy for entrepreneurs and business professionals
• Distinction between being rich and being wealthy
• Necessity of financial awareness and understanding personal finances
• Resilience in business and learning from financial setbacks
• Discipline of saving and its foundational role in financial success
• Generational perspectives on money and breaking cycles of financial ignorance
• Mindset's impact on money management and financial success
• Practical steps for effective financial management, including creating a "money roadmap"
• The role of storytelling in effective communication about one's profession
• Encouragement to seek financial education and resources for personal growth

Brian K McNeill: The Sales Confidence Coach - Brian K McNeill is a dynamic Sales Confidence Coach and bestselling author with a reputation for transforming sales teams and boosting individual performance. Raised in Brooklyn, NY, and now based in Charlotte, NC, Brian brings the discipline and drive of a US Army Airborne Veteran to his work. As a professional speaker and corporate sales trainer, Brian is known for his high-energy, fun, and actionable workshops that inspire lasting confidence and immediate results. He has authored seven books, including the Amazon Best Seller, *Mastering Sales Language: Eliminate These 21 Harmful Phrases and Embrace Words That Sell*. Brian's expertise lies in helping clients uncover their potential and achieve success, even when failure isn’t an option. When not coaching, Brian enjoys cigars, chess, and traveling with his wife, Lisa Santiago McNeill.

https://www.briankmcneillsales.com/
https://www.linkedin.com/in/briankmcneill/
https://www.facebook.com/BDARhino/
https://salesconfidencecamp.com/
https://x.com/BrianKMcNeill
https://www.instagram.com/thesalesconfidencecoach

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Transcript

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Welcome back, my sassy friend, to another episode of Cash and Sass. I'm Lisa Marie, the sassy wealth queen, the brains behind this podcast, and of course, the sassy wealth coach. And I am so excited today because I get to talk to my friend Brian K McNeill, who's just a hop, skip, and a jump over on a city. Uh, not far at all. Decided we're going to have to meet in person. Hey man. Brian K McNeill he is the sales confidence coach and Brian is a dynamic sales confident sales confidence coach and bestselling author with a reputation for transforming sales teams and boosting individual performance. Raised in Brooklyn, New York and now based in Charlotte, North Carolina, Brian brings the discipline and drive of a U.S. Army airborne veteran to his work as a professional speaker and corporate sales trainer. He is known for his high energy, fun, and actionable workshops that inspire lasting confidence and immediate results. He has authored seven books, including the Amazon bestseller Mastering Sales Language. Eliminate these 21 harmful phrases and embrace words that sell. Brian's expertise lies in helping clients uncover their potential and achieve success, even when failure isn't an option. When not coaching, he enjoys his cigars, chess, and traveling with his wife. Who's Lisa? Lisa San Diego McNeal. I didn't know that part. You know what I think I did? Because we did talk about that. Thank you so much for joining me today. I'm super excited. Um, we're going to of course, as everyone knows, we're going to talk about money. We're. Yes. That's what Cash and Sass is about. We're going all. Nothing is off the table. Um, but we're going to talk about how it's essential for entrepreneurs, business people, salespeople to know what's going on with their money, know their numbers, save their money, and manage their money. Um, so, Brian, tell me how it is. You know, these things because, you know, you told me, you know what happens when you don't do this. So share just a little bit of your story. Well, I. Thank you very much for a great introduction, and I'm happy to be talking with my friend Lisa Marie again. I know. Right? Yes. But let me tell you this. Um, when you talked about when we talk about what we're talking about, sister, I know about it. When I was a young man, 27 years old, I was making about $1,500 a week. Okay. Every week, $1,500. And I was broke every Thursday. Okay. Needed that new check on Friday. Broke every time. The blessing and the curse was I was in sales, and I felt like if I ever had a deficit financially, if I ever needed any more money financially, I could just go make more sales. That's it. I'll just hustle a little bit harder to make a little bit extra money. That's the blessing and the curse, because what it taught me was I don't have to save any money. I can just make more. Like, there's more money all around. It grew on trees for me until life started to teach me some lessons. We can never live on our reserves as long as we think. And even less time if you don't have any reserves. I was so smart that I was dumb when it came to money. Oh my gosh. At one point I decided, you know what? I'm going to hire me a financial advisor. And what I did was I researched all about how to manage money and how to use a financial advisor. And then when I met with the guy, I started telling him all the stuff I look like I want to buy some stock and the stuff that I use and the supermarkets I use, the gas I use. And he asked me very smart questions. He says, okay, great, Brian, how much money do you have saved? And I didn't have a good answer. He goes, well, how much insurance do you have? And then I didn't have a good answer. He asked me a couple more basic questions. He goes, you know what, Brian? Let's take care of these basic things first and we'll work on the sexy stuff later. So what happened was I never figured out money until I got with a financial coach, a financial coach that I respect. It took the financial coach to teach me and my wife the value of saving some of every month we get, and whether we sell a $20 book or a$5,000 program or a $20,000 program, we're saving some of all of those monies. And what happened? And even he's rougher, too. He said stuff like, um, excuse me for a year. He said stuff like, um, financial emergencies are for broke people. Ouch. If you had a financial emergency, that's a broke person's mission. You should not have financial emergencies because you should learn to be smart with your money. And he's what he's taught me in that way has helped me to, um, be profitable for a while now. Yeah. Well, what I say is, is, is if we plan and prepare, then it's not necessarily an emergency, right? Yeah. Because if we plan and prepare then then they're they're not considered emergencies. Right. Because we took an account. Oh, we know we have fur babies. We know that. You know, at some point in time, we know they have to go to the vet. We know that at some point in time, they may have an emergency. Okay. So we know approximately how much it would cost. And I'm using this as an example because it's the first thing that comes to my head. I have two fur babies. One's a husky and one's a lab. So trust me I know. And the first time I took my lab to the emergency vet, for me, it was an emergency because I didn't. I didn't plan and prepare at that time. This was before I started my business, and that was a lesson because it was like 4 or $500. And that's on the small side compared to what some can be. However, we knew going. Now I know, okay, what the minimum is going to be, what the range is going to be. Now I can plan for it. So now I have a savings account specifically for that. For fur it's called fur babies, y'all. Fur babies. And money goes into it for their vet, for their vet visits, for their, uh, heartworm pills and for an emergency vet visit. If one comes about, that money is allocated just for that and only that, and money goes in there each month for that. And so I love that that concept because when it becomes emergency is when we're not planning for it and we just spend our money frivolously. And you know, I, I love I also love the way you say money, money, I love it, I love it, I love. It was like some of. The smartest money we ever spent. Um, well, you know, and here's the thing is, I like the way he said, let's work on the basics and then work on the sexy stuff. Yeah, because I'm a wealth coach. I'm not a financial advisor. There's two different things I am. I am not licensed to do the insurance or the investing, and I don't want to. I have great ones on my list that I'll refer people to. However, I'm a wealth coach and I can help you set up your, uh, money roadmap, budget, whatever you want to call it, and help show you basically doing the basics before you go and do that sexy stuff. And some of the sexy stuff I do is like showing you how you can plan for these trips and vacations and, you know, take care of yourself now. Right. And I tell my clients the same thing. Let's get the basic part. You need the basics before you can work on the sexy stuff. And a lot of times we want to skip the basics. We don't want to do a deep dive into how we're spending our money. We don't want to do a deep dive into where there could be money leaks. We just want to skip to the sexy stuff, and then we get upset when that stuff doesn't work. Well, that stuff doesn't work because you don't know the basics. And so I love that he told you that because I'm like, yes, yes, more people need to be told, know your number. You have to. You can't even begin to know the sexy and sassy stuff until. And look y'all, y'all know I am all about some sassy and sexy numbers. I'm all about some sassy and sexy money. I say money is sexy and sexy, but you cannot get there until you know the basics. And how? How did that affect your mindset when you didn't like when you realized you you weren't good? That you that you were like, Holy crap, I'm being I don't want to call yourself dumb, because a lot of times we don't know what we don't know. And we do. Some do some dumb things because we're human. But how does that affect what it is that. It made me think, oh, shoot, I've been dumb for a while. Okay. Oh, shoot. I'm finally talking to someone that can speak to me in a language that I can hear. You know, personalities matter. Um, you talked before about your relationship with money. Now, a lot of us, our relationship with money was was formed early, Earth, you know, before age seven, you know. Um, I will tell you, um, my family didn't grow up with a lot of money. I didn't grow up a lot of money for my family. And I remember age 4 or 5. Talking to my uncle Jerry, who was the pastor of our church, because I had been hearing things around my family, and there was nobody in the family, none of my uncles, my parents, none of them had money. And I asked uncle Jerry, I said, okay, how come nobody in the family has any real money? How come nobody young. And he looked at me. He's the pastor of a church. He goes, you know, people have to suffer sometimes before they can accumulate. And I never got out of my head that thought. So when I got to the place where I could afford to buy my own sneakers, I can afford to pay my rent and buy my own cars and buy my own home. I, I kind of just went nuts. I, I never skimped. I just bought what I wanted to buy. I would buy more than one of each thing, or more than one color of the pants or the color of the shirts. Okay. Because I was immature. I went into the Army when I was 17. Now, you probably don't never get a guess that has made as many financial mistakes as I have. Okay. We've already talked about this. I'm 51 and dude, there ain't nothing nobody can say or do or talk about Don that I haven't thought about, done or already gone through at least a couple of times. I was in an age where I'm 56, but I went to the Army when I was 17. Not much older than me. Okay. And, um, I thought because they they bring the bank right to you at the base, the credit union and all that, right? They do? They bring em right on post. So you ain't gotta go nowhere. They put you in a classroom. It's like Forrest, you know, and they give you a checkbook and you ain't know nothing about. I didn't know nothing about a check. Okay. I think the first time I learned how to write a check, I was at a counter and a girl told me how to fill it out. But I thought, as long as I have checks, I got money. And when you when you get to the place where you study a lot and I do, I study a lot about what do people regret? What do people remember at their age at times when their 80s and 90s? Most people, when they're talking about their lives, they don't even talk about their 20s. They talk about before their 20s and they talk about after their 20s. Why do they rarely tell stories about their 20s? It's because that's when most people mess it up. That's when most people jack up their credit. That's what most people race through, like full speed into walls. They make a lot of mistakes between 20 and 30, and then they spend 30 to 40 correcting some of the dumb decisions they made financially. That's what happens when most people and I was that guy, too. I made a lot of financial mistakes in my 20s, but then I finally then I got to the place where I started to mature. Let me offer you one other thing too, because you're right now entering a great time. I once heard a great talk by, um, Doctor George Frazier, and, uh, he talked about the three most profitable decades of your life. He says the single most profitable decade of your life is between the ages of 60 and 70. He said the second most profitable decade of your life is between 50 and 60. And hot. Damn. Yes. And the third most. Profitable was between 70 and 80. And he said. Oh, see, I don't know, because my 40s was the most money I've ever made. Well. It's going to get better. My 40s. It's going to get. Better, I can. Oh, you know what? Yes. More, please. Yes. It's going to get better because your first 50 years are for learning and after 50 is for earning. And when I heard him say that, I was like that. Yes. But here's the thing. How many people do you know, Brian, that give up before they're 50? A lot. But they didn't get the council. But I didn't hear about it. Somebody's going to hear this. How many people give up before they're 50? Yeah. Yeah. I mean, I didn't start my business until I was 43. Yeah, but that's all right. But but that's what I'm saying. I mean, most people wouldn't have, you know. And I know someone who started her business in her 60s. So she's going to love the fact of what you just said. And, you know, but also, there's so many people who think if they don't start younger or do something younger and I'm like you, you know, I was 19, living on my own and putting myself through college and discover gives me a credit card. Yeah. Here's some money for you, 19 year old. And here's here's two things I want people to understand. They did not, at any point in time explain. I mean, they did, but their stuff was jibber jabber. Has anyone ever read those legal things on those credit cards and actually understood any of it? At the age of 19 or 20, no one had taught me about it. And discover goes and says, here's $5,000 for someone who's never had a credit card, who's on her own. Man, I thought I had free money, okay. And I was 19 and didn't know any better. Right? You know, and and no one explained to me how this worked. I found out real quick how it worked and that it's not free. And and the that's part of the problem with the society is, is and the reason why I started the podcast to begin with is because we don't talk about it openly. We don't talk about these mistakes we've made. We don't talk about the fact that we're not taught to do things better. You weren't taught how to write a check. They handed you a checkbook and said, here's your account, here's your money. You figure it out. And we also weren't talked about. You know, I didn't learn about having a relationship with money and my mindset with money until after I started my business, like a year after. So I was 44 years old and I'm like, I don't know. And and I fell down this rabbit hole of it. And so it's really interesting to me to hear from so many people that they've had that same concept, you know. And one of the things that you had told me, um, that limiting beliefs you had, and I'd love to know how you work through this is one of your limiting beliefs, was you don't deserve wealth and abundance, which is a limiting belief. A lot of us have when we don't come from money. Right. And I didn't come from money. And the question I asked myself, who the who do you think you are to think you deserve to have wealth and abundance? When you didn't come from it, right? You know what makes you think so? How did you work through some of that? Um. Or how did. You work through it? Period. Learn and read and study. Because they didn't teach it at schools. My parents didn't know. Their parents didn't know either. So where are you going to learn that? You're going to learn a school of not hard knocks or learn. So I started to read about it. You know, this this, this credit card trap and this credit trap really began after World War two. Because before then, um, people paid cash for stuff. Cars they bought. They saved up their money and paid cash for cars. And what they came up with was this, this credit thing where people can feel like they're getting the house for free, feel like they're getting the car for free, but they're going to pay the bank or the insurance company forever, okay? They're going to pay them forever. And the credit cards, even at the department stores, It feels like you're going to get those clothes for free, because you're only going to be paying a little bit per month, but you're going to pay them forever. That was the game and that, and they got you trapped there. So it really didn't kick off good until after the 50s. And certain people learn, okay, just to stop playing that game, stop playing that game. You know, stop using the credit cards. Just don't play. Okay. You still going to finance some. Things or. Are you or are you? I mean, what I recommend now is don't use them if you can't be strategic and be smart, don't use them. Yeah, I use my credit cards. However I also use them very smart and very strategic. And you know, I'm not. I don't hold anything back. I tell people all the time that sometimes in business you have to have debt. That is just the way it works. And as long as you are strategic about it and as long as you're responsible about it, then that it's okay, you don't beat yourself over it. Because I promise you, there are multi-millionaires to how they got to the multi-millionaires is they leverage a lot of their debt, and they got into debt and used it to keep them going when they hit tough times. And that's how they then skyrocketed to the multi-millionaire, to where they didn't have to worry about the debt anymore. And anyone that tells you they don't. I'm sorry. They're lying. Unless they came from or they came from money. And managing taxes. Debt and taxes are the thing. Hey, you damn taxes! Okay. And having a tax strategy. Because you're going to have to pay. Right. But and not avoid. And not avoiding it. Yes. Um, and America is set up that you cannot get rich without a tax strategy. I don't believe you can without a tax. And rich should be the goal. So you see, to me, I want to be wealthy, not rich. Okay. You can be down. I'm going to tell you, being rich means you just know you can go make more money, okay? Being wealthy is being wealthy in all the areas of your life which is spiritually energetic. Mental, physical and financial. And you're doing it aligned with your values, your goals, and your desires. Meaning you're you're living on your terms and you're being smart. And so often people have this, oh, I don't worry about money because I know I can just go make more. However, they can't tell you where their money's going. They can't tell you if they're signing something. You know, they can't tell you where they're wanting their money to go, how they're giving back, how much they're giving back, how much they're, you know, how much is going out and where. And their concept is I'll just go make more. Right. I was. There. Okay, you're rich, but you're still poor. In my opinion, they're still poor, you know? Um, you reminded me of a very funny skit by Chris Rock. Okay. I love. Him. She is rich. But the man who signs his check is wealthy. Okay? He says rich, you can lose in a summer with a drug habit. Well, you can't get rid of because that's the difference, you know? Cause the wealth is. On the inside. Yeah. Part of it's on the inside. And that's part of deserving that wealth and that abundance. You know, even with my business hitting the shifts that it hit this year and me having to utilize debt. I still consider myself wealthy because I am living my life on my terms. That's my business. Right? I mean, has my business hit a rough spot? Yes, but there's no business in this entire world that can say they never hit a rough year or never hit a rough spot. All businesses go through them. I've researched it, and there's not a business in anywhere that you can research that hasn't had a rough patch or a downturn in sales or whatever it. It exists. That's the reason why we're. Supposed to be. It's the cause of it. Which is the. Reason why we should be strategic and smart with our business. Money saving and planning. Because you don't know when those downturns are going to happen. Amen. You see anybody achieving levels of success in anything. You're looking at someone who's picked themselves up after getting knocked down. That's just that. At least a couple of times. Maybe even more. But no matter how many times it can be six, seven, eight, nine, ten, 11, 12, 14 times, as long as you get back up again, you know, and try again. What matters, because. You only have to win the last time. That's it. I was told that you don't lose. Excuse me? I was told the only way you lose is if you give up and you don't keep going. Yeah, you either win or you learn, okay? And the only way you can lose is to. Is to quit, is to stop playing what I said. They said the only way you lose is to just quit. Yep. That's it. That's the only way. Yeah. Otherwise it's. What can you learn from it? What can I create from it? And you know what? What are some of the things that salespeople and entrepreneurs in their business can do to help them, as far as you know, be able to earn the significant money and be and not make the same mistakes we've made. Yeah, it's a question. I'll start answering that with a question. The question I would say to entrepreneurs is this. And it's a very serious question. Can you save money? Can you save money? Brian Tracy says the question is so important because if you cannot save money and he's harsh with it, he says, but if you can't save money, the seeds of success are not in you. This is a basic thing. Now the question of can you save money? It's really a question of discipline. You can, if you're willing to. Can you save money? That's first. You can't. You have to conquer that before anything. Again. Basics before the sexy stuff. Can you save money? Save something? You have to train. And are you aware? And are you willing to. Are you willing to try? Are you willing? If you've never done it, are you willing to train your brain and start and start trying to start saving? Yeah, if you save money now. Warren Buffett advises to read ten books on it, whatever it is. If you want to start learning how to save money or invest money or to grow money, Warren Buffett says, read ten books on it. Now, the philosophy on that is you can learn any challenge. You can learn any challenge. You know, if your challenge is, is fitness or weight loss or saving money or investing or buying properties, read on it. Read on it. Um, I think you and I, before when we talked, I shared with you that I was in sales, but I wasn't good at it until I discovered my first book on sales. And after I read that book, I just got another. And another. And over time, I've read more than 700 books on how to sell and manage salespeople or personal development, and mostly in selling and sales management. But in that case, and that's a conservative number, because some of those books I read more than one time, you know, like, things Can Grow Rich or the greatest sales in the world are How to Win Friends and Influence People and the Seven Habits of Highly Effective People. I've read those books more than one time because they're essentials, but you can out learn in your time. I didn't know how to sell. I started reading by ourselves, okay? And I became a master at it. You know, I learn anything. You just have to be willing to. Yeah. And and and a mantle, um, that I picked up was I need to learn how to produce money out of nothing. That's what I needed to learn. So many of your people that who would listen to your show. Sassy. Well come on Cash and Sass. Who is this? It's a woman who recognizes that she wants some sass. Or be sassy. Or be close to sassy, but she wants some wealth too. So we know the women that tune in here. They already are on the road. Okay, they already are in the neighborhood. Even if they're not doing it right yet, they're in the neighborhood. You know, because they show up. They're the only ones that would show up for this. Yeah, I got I got a few men that also tell me they know I do it for women, but they're learning something from the podcast. They've already started changing how they're doing things. So I'm like, you good. Because then if you have door, if the men are listening, you have daughters, you're going to you're you're going to talk to them because that's the thing, right? Is it's, it's power. So I, I'm for reaching everybody and anybody wide. Yes, I cater to women because so often women aren't women are, Ah, uh, felt a lot more inferior to money than than normally the men are, um. And I've found that again. You didn't come from money. You have this. You came from the same mindset I came from. So it affects both of us. And we even talked about how it's generation to generation to generation. And so it's not because our parents didn't want to talk to us about it. It's because they didn't know any better, because their parents didn't know any better. And we've actually have done the research and have shown it can go back seven generations easily. And a lot of times, if there's any trauma in there in that seven generations, then sometimes you don't think, I don't have a bad relationship money, I don't think, but it's actually internal, like a trauma being held from those seven generations that's actually stopping you. You just don't realize it because you do. You are treating money differently or acting towards it differently. You're just not recognizing it. You know? Um, it's it's it's so when you look at it like that, when you study the generations back. Okay. Um, you probably hadn't noticed this, but I'm a black man. Okay. Do you believe that? Oh my gosh. I thought. You. I would have never known, Brian. But I would have never known. Further, you. Go back in generations of black people. You realize they haven't always had freedom of purchasing, and at one time they couldn't. And they had no money. But when you go forward. So when did black people get freedom of purchasing? You know, not in the 60s and barely in the 70s. Okay. Because unfortunately. Yes. Because in the 70s, even Muhammad Ali, the world champion, there were still parts of cities he couldn't go to in Louisville, Kentucky, where he grew up. He couldn't be uptown after night. Okay. So let's go into the mid 70s. Forward. Black people start getting freedom of being able to buy whatever they wanted to buy, If they wanted to buy certain clothes, they couldn't because they wouldn't sell them to them. They wanted to go to certain hotels. They couldn't. So black people, they have some psychic disrepair to overcome because it's still relatively new. We now can spend money now to hold on to that thought as an excuse. Shame on us. We can't hold it as an excuse to not have any money. Well, we just got it. No, your parents just got it. You gotta be smarter with it. And we gotta be smarter in how we teach our children. That's one of the things you said. Amen. My wife is. A coach, too. She works almost exclusively with women. But she said she works with women and a few good men. That's how she puts it. That. Hey, you know what? Not only are our names Lisa, but we both say the exact same thing. My wife's name is Lisa as well. So this is so easy. That's what I. Said. Both our names are Lisa, and we both say the exact same thing we work with. Primarily with. With women and a few good men. Yes, that's what she says. Okay, that's. What I say, too. But. But honest to goodness, that's what I say. Because I have a couple of men clients, and that's what. That's what I say is I work with a few good men. And I want. You to to further the mission of the fun of becoming. Wealthy. Or becoming wealthy. The process can be fun. That's why this Cash and Sass thing is so cool. You know. Right. It's so cool. Well, I needed something to be candid. And, you know, I tell them people in all my episodes is I want it. Nothing is off the table. And the reason why nothing is off the table is because there are so often, especially with women and some men, we think we're the only ones. We think that we're the only ones being affected. And you're absolutely right. You know, I when you made that comment, I don't think many of us realized that it wasn't until recently that blacks could have purchasing power. It's it's it's beyond shameful and and it's unfortunate. And I do remember my mom telling me in this. I was born in 70. My mom had me when she was 17. So in that late 60s right there at the early 70s, right before she had me, when they rode the bus, the they rode the same bus, but the blacks had to sit in the back or in the front. Or back, back. The back and the, the back and the white satin front. And mama, that was just the way it was. I remember going to school and riding the bus in the 80s and it not being that way. So I for me and for, for my generation going forward, we have a responsibility to change how we teach our children going forward about everything, including money. And you know that. And it doesn't matter if we're black, white, Hispanic, whatever. We have a responsibility because we weren't taught the right way. And there's a lot of things that we may not have been taught and we're having to relearn. And like you said, if we keep going, though, then it's our fault, not the generations behind us. The more behind us, the more you. Talk, the more we talk about this. It's illuminating to me how essential money management is essential. It's a critical skill, a critical skill. I mean, there's only a few skills that are critical. The ability to be critical. One of them gotta have. To be able to read, but you gotta be able to manage money because it affects everything. What's the number one reason for divorce? Money issues. Money. Okay. What's number one? Reason for crying? Money or lack of money? Okay. That's what it is. You know, your life is better when you have money. You know the expression. I've been rich and I've been poor. And I'll tell you, rich is better. Okay. Hell, yeah. Yeah. Being, well. Being wealthy is so much. Look, I was on food stamps at one time. Both my girls went through the program. Having money and being wealthy is so much better than being poor. And, you know, for the longest time, I blamed all the rich people. I blamed all. The wealthy people. And I hated money, which is very unhealthy. And that doesn't get you anywhere. You have to change your mindset. You have to change how you look at it. And it's our responsibility. If we want to change that, we have to change it inside first and then we can start making the changes. And yes, management has to be I will go to my grave repeating this like over and over and over again, your mindset and your money management, they go hand in hand. You can't have one without the other. And when you have a business and a personal life, if you don't know what's going on with your money, you're broke. I don't care how much money you make. If you don't know what's going on with your money. You broke. That equals broke. You broke. Um, I want to highlight something you just said about mindset. You can't begrudge people with money, because if you find other people having money as distasteful to your subconscious mind, your subconscious mind is going to conspire world so that you don't have it. Okay. So you can only. And so you're also going to find yourself around other people the same way. You only allow. You. I learned I learned that the hard way. Be happy for others when they succeed. You can only do that because if you hate on someone that has achieved, your subconscious is not going to let you get to that level. Okay? He's not going to let you do stuff you find distasteful, so you can't be okay. Right? Well, and here's the thing. We we create what? We focus. We what we focus on, we create more of. So if we're create, if we're focusing on the negativity and that scarcity mindset and that hatred, Then we're creating more of it. Whereas if we focus on being happy for them and you know, what can you learn from them? You know what? What are they doing that you're not doing? Is there something you could do differently? What can right. What can you work towards? And having that, I said this in so many episodes, having the gratitude for what you have and where you've come so far and having that abundance mindset and that worthy mindset when you start saying thank you and having the gratitude. Um, you'll be surprised what doors open. Yes, it's it's absolutely, you know, amazing. The attitude of gratitude, your subconscious and your world around you conspires to bring you more of it. Whatever you're grateful for, whatever you're willing to express and whatever you allow to hold on to, you get moved towards that. You're so right. We're saying the same thing. Okay, I'm echoing you. Yeah, but. And but see, some people may grasp on to to you like I don't know if you noticed or not. I'm. I'm already wondering how many people are going to be watching the video on YouTube and go, well, duh. And then just start laughing. If, if. If one person gets the message because of that. It was worth it, right? Right. Because that's what we're here for to blast. Okay. That's right. And I'm someone you love out of this. Yes. I hope so too. You know, and the biggest thing I think is just too real to really remember that you can you, even if you've never saved before in your life and you're like, I don't know what to do, you can start and I will even give you okay. If you've never done it, make it really simple. Okay. Just to start, open up a savings account. You can go open a free one at Capital One 360. You can get as many free ones as you want. Start with one. Okay? And just be disciplined. And start small. Start with $5 a week. Be disciplined and just start because then you're going to be, oh, okay, I can do this. Now I'm going to do ten and just be smart. The second thing know your numbers, know what's going on. So then you can say, oh okay, I can do this. How much can I really put in the savings? Because you're not going to know how much you can put into savings unless you know what's going on with your money. A broken record, but it's still the same thing, so it's still part of managing your money. I don't call it a budget, I call it a money roadmap, and I call it a money roadmap because it's like a GPS. You're going to tell it where you want. It's going to tell you what expenses need to go, and you're telling it what your goals and your desires are, and you're making sure that's where your money is going. So it's a roadmap and it's telling you how you can get to achieve that. Um, and I just the biggest thing I think I want anyone who's listening or watching this to get from that is just start. And I promise it's like retraining your brain. Right. and have any habit. Start small and keep going. And it's going to start compounding and you'll find it a lot easier. Um, you have a free gift from my listeners. Um, can you please tell them about that? Mm. Okay. Do you remember? Well, I got a few things I get for free. Probably the one, two, three formula. Yes. Okay, good. Alright. So good. I'm going to give that to my to your listeners. Um, thank you for having me on here. Let me tell you about this gift that you're getting. It's called the one, two, three formula. If someone said to you, what do you do for a living? What are you going to say? Now, some people just being asked that question, they shut up because they hate. To ask you what. I think. This is what you and I went through when we talked the first time, right? Okay, this is y'all. Y'all need to do this. This is really good. Oh my. Goodness. So I have four questions that I asked people. And I did that with my friend Lisa Marie. And she did great. And then I repeated back what she did, but I did it in a story format, and she thought it was great, and she invited me to her podcast. The one, two, three formula is a free e-book teaching you how to answer the question of what do you do for a living without sounding salesy and without sounding pitchy? I assure you those words I don't like the word pitch or deal. None of that stuff. I teach my clients, my clients. I'm a sales coach. I teach my clients to never pitch, but tell your story because your money is in your story. That's where your money is. Your money is in your story. That's where it is. So to get the one, two, three formula, did I ever send you the link for it? You did. Okay, I've. Got the link. The link will be in the show notes okay. Good good. That's and I encourage you to do that if you get that 1234. And first off you'll thank Lisa for making it available to you because it's really good. So yeah, it is. It's really good. And I've been in business for almost eight years and and it helped me. So I mean, it's really, really good because it gives you a different way of looking at how you tell people what you do for a living. Right. And and I think that's just really important because I don't like sound and salesy and sleazy. Um, and because I don't like sounding salesy or sleazy, I end up mangling my words, I guess is a better way to say it. And doing that formula actually helped. Yes. Well, if someone asks you, what do you do if you attempt to give a cute answer? Well, I'm in the happiness business or I'm in the people business, which you've heard before. Or if you give an overly or descriptive answer. Well, this is what I do. I do this, this and this so that they can do this, this and this. Both of those are fine, but neither one of them compels or sells. Cute doesn't compel or sell describing it doesn't compel herself. But what does compel is the agreed upon problem that is solved by your services. And the one, two, three problem teaches you how to get that out and get agreement and teach you how to answer the question, what do you do in a story format in less than 30s and you will feel more confident? Yep, I love it. I thank you so much again for being on the show. I truly appreciate it, my sassy listener. I hope the one thing you're getting out of this is okay, even if I've never saved before, I can start. We're both living proof that we didn't come from money and we're now wealthy, and so it's possible. And that's really, truly what I want you to get out of this. Um, thank you again. Brian. I am so tickled I got you to be a guest on my show. And remember, my sassy friend. Until next time, stay sassy. Bye.