Podcasts about andwell

Thank you for listening to this track produced by the Art Gallery of South Australia. Join us as Tansy Curtin, Curator of International Art pre-1980, discusses the work of Mary Beale and introduces two recent acquisitions, The Penitent Magdalene and Head of a Boy, on display in Gallery 13. For more information please visit agsa.sa.gov.au Image: Mary Beale, Britain, 1633 - 1699, Mary Wither of Andwell, early 1670s, Hampshire, oil on canvas, 73.0 x 60.0 cm; Gift of Helen and John Bowden in memory of Mary Overton 2003, Art Gallery of South Australia, Adelaide.

Aprovecha estos momentos de estar en casa para conocerte mejor, para estar contigo y para sanar lo que es necesario.  Si quieres saber un poco más de mí, sígueme en Instagram, estoy como andwell.habitos.yoga.pilates. En Facebook estoy como Andwell.yoga.pilates o entra a mi página web para que veas mis servicios en www.andwell.online.

En este episodio vas a conocer un poco sobre mi trayectoria de vida, te cuento sobre la intención de este proyecto y de cómo me pude transformar a partir de vivir un momento catártico en mi vida. Si quieres saber un poco más de mí, sígueme en Instagram, estoy como andwell.habitos.yoga.pilates. En Facebook estoy como Andwell.yoga.pilates o entra a mi página web para que veas mis servicios en www.andwell.online.

https://unrefinedbakery.comfacebook.com/unrefinedbakeryinstagram.com/unrefinedbakeryWelcome to gut check project. It's episode number 30. I'm here with your host, Dr. Kenneth Brown. Eric Rieger here sitting now with the founders of unrefined bakery in the DFW area. It's Anne Hoyt and Taylor Nicholson Thank y'all so much for joining us today. You're welcome.Founders? We got the stars of unrefined bakery here!The stars of unrefined bakery.   The stars!We're glad to be here, y'all.I feel like every single show we just keep taking it up a notch. I'm like, how are we gonna beat this and you go I know how we're gonna beat it. We're gonna bring Anne and Taylor on.People that bring cupcakes.Yes, yes. cupcakes that won't make you sick. There you go. Yeah. And that is no joke. We're going to get to that obviously later in the show unrefined bakery being an incredible place that honestly it's great food that happens to not make you sick. I don't care that they feature that it's gluten free. And that it can be soy free or corn free. They have all of the things to take care of people who have food allergies, the fact is, the food is great. It just happens to be made of awesome stuff.Well, I'll be totally honest Eric, Eric loves your store he's been eating your get your food I have not heard of it. So this morning I'm in clinic and I had a bunch of people and I said well I'm unfortunately have to keep moving here I have to get to go to a show and I explained who I'm doing the show with it. Oh, I love unrefined bakery I go every time I go to a vegan conference through there every time I do this every single patient talked about you guys and I'm like Okay, we got some rock stars showing up today. I better have my game face on.Yeah,Well so quick. We just have to do it to pay the bills right quick. Don't forget that. Every gut check project it's sponsored by Atrantil lovemytummy.com/kbmd to get your discount of course it's polyphenols created by the gentleman right across the table from here Dr. Ken Brown. Anything to add for Atrantil before we talk to the ladies of unrefined bakery,Only thing to add is that everything that you guys tell your clients we also tell our clients which is we're trying to develop a healthy gut which leads to a healthy lifestyle which leads to anti aging which leads to health span. It's no longer about lifespan. It's about health span. How do we live a happy, healthy life where we share in this with everyone? And the relationship that you two have is so similar to what Eric and I have. I'm actually Eric father, and we started a business together.You look great! It's the polyphenols. It's an anti aging molecule.It's working!Well, you want to know what's really cool. Eric's a grandfather also. Yeah. You're a great grandfather. Great grandfather. That's amazing.It's news to everyone.So great. Breaking news! Here we go with it.I think that the I think that teaming up with unrefined bakery and discussing the issues of gluten and celiac disease is so close to my heart. So what I thought we could do today is I want to talk about celiac disease. We always geek out a little bit and clearly you to know your stuff on some science. Your sister's a physician. Yeah, so so you guys talk science at home. We'll talk a little science. We'll talk a little about celiac in general, get people up to speed get everybody's like, celiac. Do I have a wheat allergy? Do I have celiac disease? Do I have gluten sensitivity? Oh, it's all BS. Who cares? That's all just Hollywood stuff. We're gonna get into all that?And something to add a part that Ken doesn't always get to see is whenever we refer a patient to visit with our dietitians here locally like Susan linky unrefined bakery is always a stop that she's continuously recommended for the last several years because when people tried to bridge over to enjoying foods that they can then safely enjoy. Unrefined bakery has been a great, you know, beacon that you don't have to give up things that tastes great. You really don't. So let's start with the science. I mean, y'all y'all been a great savior for a lot of people.. Yes, I'm gathering that. You've passed that down.We're gonna let we're gonna let you guys go into the whole story about this talk about food but because this is the gut check Project, our whole motto is you check your ego at the door, and we can talk about anything. So today we're gonna talk a little bit about celiac disease I just mentioned in clinic everybody knew you guys. One of the things overview, it's a common autoimmune issue. If you're listening to this show, and you're like, ahhh celiac, blah, blah, blah, I'm not going to do this. Basically, what happens is your body starts attacking your small bowl, but pay very close attention to this show. Because as it turns out, the prevalence is increasing. A lot. We used to think it was like one in 3000. The most recent studies have shown that it's like one in 184. That was an Italian study that just came out not too long ago. We now know that 15% percent of new celiac diagnoses aren't people older than age 65. So you were quoting Alessio Fasano right before we started this, I had a patient today that said, you know, what, is it possible that you can develop this later in life and I'm like 15% of the new diagnoses are happening at age over 65. So if you think that you don't know or you will never get this. Pay attention to this because there is a chance that you could have this. So you may have celiac not even know it. We're going to get into that. This is not an allergy by definition. It's and it's a little bit different than gluten sensitivity. We're going to talk about all that and clarify it. But before we do this Eric is a huge history buff.Learned it from dad.So Oh, one other quick thing we always forget to do this. Although I'm a medical doctor, you're crna and you provide medical care. The show is not intended to treat diagnose or do anything that they should but we're just not just this is for fun. Yeah, but you're gonna learn a lot.If you have a funny looking toe get it checked out.Yeah, if you've got some unusual growth, go to unrefined bakery first. Do go to unrefined bakery first. We're gonna make you feel better. Buy a cupcake and feel better.You know what, that's it. Recommendation if you do happen, this is not diagnosing or treating, but it will make you feel better if you notice an unusual growth swing by unrefined bakery before you go to the doctor to get that diagnosis of it as you're munching. Oh, Take one to your doctor and bring some for their office. they'll treat you better..All right. So what I would like to do is our first ever history quiz. I'm going to sign awards and points on this one. So we're going to do a little history quiz. So the this is going to be about the history of celiac disease. All right. In 1888, celiac was first described by this person, Eric, you get first crack at the answer. 1888 celiac was described by this person. I don't know his name. I just assumed that it's Oh, you're pointing at something.Oh, it looks like was it Samuel?  Oh, you want me to say Bernie Sanders.But so my son is horrible at improv. Just absolutely horrible.I thought you wanted me to guess. So I was thinking...You probably would have guesseed Bernie Sanders...1888.Well, he was there,Right Trump is happy with that answer.Tylor what would be your answer in 1888.I'm probably going to go with Samuel Gee the English pediatrician. Sorry.Yeah, little closer there. Okay got it.  The English pediatrician. And what's your thoughts on that?I mean, Articus Decapidocious in 200 ad. Wow. Just saying I actually knew that. She did know that.And why do you Why do you know that?I wrote a paper for the Baylor journal in 2014.Nice. We've got some Smart people on the show today Eric.Definitely say it was a Greek physician, correct.He was Yeah, he cut open the stomach and was looking at how wheat interacted with it and didn't totally understand it, but knew that it definitely caused trouble called it coeliac or something. Second century AD. They were already realizing and we have people today going that's BS.Right? Right. Yeah. It's crazy. But I mean, you know, humans have only really eaten gluten for 12,000 years, probably. And so, I mean, bernie Sanders was there too. Yeah. Poor, Bernie, He probably invented the paleo diet.Eric, I have a question for you. Okay. Something occurred in the second world war that allowed us to realize that celiac disease was caused by gluten. Eric, why do you think that is?Well, Ken, is this when Wonder Bread donated millions of loaves and the Allied forces shot the Germans with ultra refined white bread causing diabetes,It would have worked and would have delayed the end of the war. Good guess i'm not saying you're wrong. That was really organic.You know, I know. You know. And so all right, Anne I'm gonna I'm gonna throw to you. It was the shortages, the food shortages and the incidences of gut disease went down. In the absence of eating the food they previously eaten right that cause trouble. So without eating the food they were accustomed to eating their gut troubles went away and absence of food soyeah food allergies discovered for sure. We're not just Baker'sNo. Oh my gosh, we have. So one last question before we do it, but if you have any history questions or history buff, make sure you pop into unrefined bakery, and throw out random questions,make sure you're asked for Anne on that one.Alright, so it was actually a Dutch doctor that noticed that his patients were getting better during that. So the last question, this is not going to be completely academic session. The last history question, Eric, how did this Dutch doctor figure out that gluten was the cause. I believe he locked his kids in cages and gavaged them with pretzels. And that's just wanted to see how sick they got. Okay, so we've had several shows where we described how animals have been gavaged and so Eric really likes the word gavaged.Especially when it's written out for me. I love it a lot.No, you're wrong. So I'll throw it. I'll throw this one to Taylor.So pretty close to that. Thank you. He did. He did take these kids. And he gave the celiac children and he gave them wheat. And then he just weighed the kids poop. And he looked for fat in it. See if they were passing that fat.Yeah. Did you know that? I did not know this. You didn't know that part?  I didn't came up. Didn't came up.Yeah. And then so... that's awesome. That was said. He figured out that the toxic part of the food was it was alcohol soluble, and then they figured this out. So it's very fascinating that it's been growing for a long time. And now we're finally at this point. So celiac disease now with it, we know the history. I just want to give a quick recap as a physician about celiac disease so we can get off the science and talk about the goodness that is sitting on our table right here. Absolutely. So just to introduce, reintroduce again, it's Anne and Taylor, her daughter I was exposed to walking into unrefined bakery a couple years ago in Frisco. And it was awesome. My wife is gluten free. And I just happened to stop in I grabbed a few treats. I was like, man, I hope hope this is good because you don't always get a great tasting product whenever it's gluten free. That's so true. That's the common occurence.When I took it home it was instant delectable delight for for her. She's like this tastes fantastic. Are you sure it's safe? Right? They said it was. She felt great. Came back. We've we've been customers ever since. Great. Do you shop in our Frisco location? Mostly?Mostly because it's the closest one to our GI center. Awesome. So it's, it's just up the road on Preston for us to get to it. So yeah, it's great. So Ken you want to ask them how they got it all started?Yeah, absolutely. So celiac disease. We already kind of mentioned that. It's super prevalent. It's an autoimmune process that's happening. How do you guys know so much about celiac disease?Well, we're kind of science nerds to the core and Taylor's little sister Aaron got sick. In college. She broke her ankle and got got mersa in her bone marrow. And the treatment for mersa was very harsh. And once she got over that, which was awesome, she got just sicker and sicker and sicker, had strep six times one year and mono twice that year and was really failing to thrive and then began bleeding internally. took her to a doctor. He was amazingly efficient and asked her her heritage, and we're Swedish. And he's like, let me check for celiac disease. Sure enough, he biopsied her, and she had it and then we read about it. And I was like, Wow, you've been symptom taylor's been symptomatic since birth And I've been symptomatic since about 18 or 19 years of age with it really increasing after pregnancy. So we just were like, well, it's just food. Let's just stop eating it. So we did.And I was diagnosed with milk protein intolerance as an infant where I was taken off breast milk and put on solids by what eight months, eight and half months, roughly something like that. I mean, I had quite a few gut troubles. I'm surprised she had more children. Honestly, I had extreme colic. Right. So she'd been off a dairy for ever. And then Aaron, like said been symptomatic forever and we all went off gluten together and never truly never looked back to see what was just a remarkable change in all of our bodies. Did you have trouble getting pregnant?I had eight miscarriages.Interesting. Isn't that so interesting? Yeah. 800-900% increase in miscarriage. I don't even have to kick any science. They're gonna do all the science for me. That is actually one of the things that I asked my patients. Have you had miscarriages Have you have trouble getting pregnant? AndI did not. But I've been gluten free long before I had my children. I've been gluten free for I mean, and obviously that never came up like never came up.So when you said that your daughter was bleeding internally, you mean that she was anemic and they were doing the workup for anemia or she was actually actively bleeding.So, yeah, so we just took her right into it to a gastroenterologist that did a biopsy. That's the first thing you did. So she got...wasn't in her infectious disease doctor first who passed her on, given her heritage. I thought he looked at her and was newly out of school and was like, you know, your doctor from her doctor was newly out of school and askedher heritage, you're so blonde and blue, oh, you're hypoxic. We need to get some air in you.You know, Northern European.But it's different now. With with getting wheat across the world now it's equally distributed across the globe. But this is mean, right? 15 years ago. They knew a little about it. Super interesting, so we didn't even hesitate. We just went off gluten.Let me let me ask you a question as a mom because I have a 15 year old a 13 year old Eric has an 18 year old and 17 almost 16. Almost almost 16 year old. When you see a child that's sick that it just it takes everything out.You just see it like I see or I see kids that I'm like, Oh, you have celiac disease. Like I can just see it. I know what Aaron looked like as a baby. And her eyes were always Like terrible circles since she and Taylor always had like skin you know skin stuff and Aaron was just her hair didn't grow right like it just she was just pale and not well, and once she went off gluten it just it just changed. It was just it was just remarkable for all of us but more so she was truly she was just wasn't okay. She had I mean we I was symptomatic since birth but I had different different symptoms that my sister had and you had pretty much self selected already. Like you just didn't eat bread anymore. I wouldn't. I was kind of self selected as a kid. I was like, I don't like that. So you knew that it was making you feel bad. From a very young age young before I probably could even correlate it together. I know that I stopped eating those things and she'd be like, why don't you one pizza as I kid.  Because we lived on it before you loved pizza.Erin and I ate more. Like a lot of people you eat. You eat more of what is making you sick because you don't understand it. You know your body kind of craves that thing.That's not uncommon so Aaron and I extra bread and pasta. We seem to we seem to see both sides of it. And with our customer base like we'll talk to moms whose kids have, you know, are celiac but also maybe have other combined allergies and she'll say it's really weird. He stopped eating these things even before we knew he was allergic. And I was like, well, we kind of have used the term self selecting for that because we see it's really frequently like kids, like my older son doesn't tolerate dairy. Well, he doesn't eat dairy. He doesn't choose it. He doesn't eat it doesn't have an allergy. No, but he just doesn't tolerate it well, so it's interesting how they you already sort of know that it's not a doesn't jive well with your system. So you avoid it. I did the same thing without even knowing it.Well, that's kind of how my wife started. She She was like, I, I feel bad and I don't know why I feel bad. And then suddenly, she starts drawing associations to whether having to be enjoying a beer or bread or pizza. Then suddenly, like what what do all these things have in common? I need to go get checked out. But back in the day because I can remember seeing a Dr. Phil Donahue show. And they had somebody on like way I don't even know The other Dr. Phil. Yes, like so long ago. Oh, he wasn't a doctor. He was phil donahue. My bad it was the Phil Donahue show.I put two generations together. Anyway, a long time ago probably in that Which one had the mustache? Donahue? No, they both do right? Did Donahue have one?Did Donahue have one?I don't think Donahue had one.He just had white hair at the age of 20They were talking about it wheat allergy and I can remember thinking well, who would be allergic to bread like it was so not in our consciousness. You know, like I just what and with her with her colic. I was I remember for me, I was eating a lot of eggs and lot of dairy because food is good for you. Right? And, and I ate a lot because I was nursing her. And I kind of cut it out for a week and she got better. I thought, well, it can't be that. So I didn't keep it going. Because it just never they that was 1982 and three Like it are three and four. They just they weren't talking about this stuff back then. I mean they were but it was, you know, there were some diagnosed cases of celiac disease than as there were, you know, in the 20s. And earlier but not, not in the mainstream.I would say people that still don't quite understand the seriousness that can happen from high gluten exposure to people that have celiac disease, they still dismiss it as it not being a real thing,Right. There are patients with celiac disease who dismiss it as not being a real thing. 'm sure you see it often. They'll be like, Well, last week, I just say whatever I wanted. And I don't even feel bad. I'm like, well, then you must have asymptomatic celiac disease, but your gut hates you. Right? Right. I mean, I don't tell them that but that's what I think.So everybody has a story about their gluten and I mentioned mine so my researcher that helped me develop Atrantil. So, you know, our whole thing with Brandi was that she was working for me and she had enamel problems she kept going to the dentist and having teeth issues. And then we were going to enroll her in a study and her liver Tests were up. And she was in she was sick and she had his weird rashes and she'd been worked up she was came from Iowa where the Iowa doctor said, Oh, you're fine, it's IBS. It's all fine. And then we're trying to enroll her in the study she had increased liver tests, ended up testing or figuring out she has celiac disease. So then I, out of courtesy, after we diagnosis, she started feeling better, I would go to lunch with her and I'd be gluten free, I wouldn't have these other issues. So and I checked myself with my least blood test, I don't have celiac but then I just started thinking, Wait a minute, this whole concept of gluten you can call whatever you want gluten sensitivity, gluten intolerance, all the other things. So when you say that the spectrum, and anybody that's listening to this, it says you know I have celiac disease, but I cheat all the time. Well, you have the risk of developing all kinds of stuff. lymphoma, you have the risk of developing osteoporosis you may not be running to the bathroom all the time. You may end up with UV itis which is an infection in the eye. This can trigger and Here's the biggest thing that I tell all my patients, you have one autoimmune disease. Now you are at risk for every other autoimmune disease, we have to control the one right so that you don't end up with thyroiditis, autoimmune hepatitis, ankylosing spondylitis, and all these others. So when people come into your store, and they're like, yeah, yeah, I like your cupcakes. But I have celiac that I don't tolerate it. My answer to everyone that I talked to is do you want lymphoma? Do you want to develop ankylosing spondylitis? And now we're seeing in the future, that if people carry this, it leads to inflammation, we know that inflammation leads to dimensia, things like that. So protect the gut, protect your body.But people will come to that in their own time in their own way. You know, you can't I don't preach gluten. Well, we obviously don't. I mean, we're not doctors. We're not offering medical advice in our stores. They ask our experience and what we've seen from our customers and we give them you know, stories and tales of what has helped us or some of our other customers, but we're obviously not going to tell them well What we may do is say, Well, you know, we have an awesome pizza crust that you can take home and make your life easier to where you don't feel like you need to order out. And you can still stay gluten free. We tried to just let them know about the options we have, because it is very challenging. I mean, I think my mom and my sister and myself approach being gluten free from a perspective that not everyone does. I think we looked at and we're like, Huh, well, celiac disease, probably probably the best disease you can have. It's completely manageable. It doesn't give you bad side effects if you do it properly. And it's not that difficult to wrap your brain around, doing it properly, at least from how we approached it. I mean, you have to accept that it is what it is. and food is medicine to us. Right. Solet's look at it beyond and not being the worst disease. You turned it into a pillar of a great business. Yeah, but But even before we didn't do this for about four years like, one guy came in he goes, isn't this the worst thing that ever happened to you? And I said, No. I said long before we started this company. No, it was the best thing Because look at what it did. I mean, I was what I thought was just super healthy 48 year old like I was, I was in great shape went off a gluten and I was 20 within two weeksI mean you weren't you still shad fibromyalgia and other things and joint pain. It all went away.Well once you were gluten free Yea. Yeah. right but i mean i think relatively speaking at 48 compared to other 48 year olds, I was remarkably healthy and then and I thought it was just age I'm like, Oh, I'm aging wasn't aging at all to heck with that.So why why would you eat something that making making you sick? Yeah, yeah, you know, I try not to.As I drink my Dr. Pepper still every now and then.I mean, I know we will talk about that. We're gonna get into that.  There's a there was a podcast that I like to listen to as a as entrepreneurs as people podcast called how I built this.Love it. I want to know how you guys built thisAwesome. So my background. So my grandfather, mom's dad had a franchise of restaurants that he started in late 50s that he became a franchisee for in the late 50's. So restaurants are sort of in our blood, but never something I thought I wanted to do. Restaurant hours were not something I had an interest in. I've been there done. I studied finance and accounting and I used to do litigation consulting. It was what brought me to Dallas. She came to Dallas shortly after I did. My sister graduated was, you know, off at college and beyond. So she moved. And well got out. I hated my job. I did not hate my job. She denied her job, but it was grueling and I hated my job and I'd always begged and what was your job? I came down here as a banker I'd been working with my dad had been a stockbroker, previously I have an econ degree. But I hated my bank job that brought me to Texas but I loved that I came to Texas and I was like, I'd rather die than keep this job like I've got to do something different. And so she began making these food bars for Erin in college because Erin's now celiac and needs food grab and go food well back then If you believe it it was before there were bars on the marketYou were making the bars?For my sister. i always cooked.So she was making food bars She was tired of just eating you know, nuts and dried fruit juices all she had available. This was years ago so Lara bar did not exist. So she Taylor then she packages them and gets this cute little gold T and then she puts a label on the back and I was like, and then she gives him to people as wedding gifts as well. What's it called? I don't know whatever get all. Yeah, so then I said what it was my idea to start a bakery She goes, we'll do it. Because if you don't, I'm going to do this. And I was just terrified to bake I had tried several recipes and they had just failed miserably. One day I did like four different recipes of cornbread and a several recipes of brownies and they were just the worst things ever. And I've been baking since I was little and I have been throwing away food since like 1963 or something. So anyway, I was like fine, I will learn how to bake so I just really jumped into it started reading about the different properties of the different flowers. Different flowers have different properties. And I figured out about some blends by looking like stealing some recipe ideas from a lady. And then I took that recipe and I morphed it and took some of the ingredients out. And then we just started baking, I made some bread that I thought would work and it worked. And it was a great So we we adapted old family recipes that were passed down from grandmother's that she had quick breads and dinner breads and things like that and just adjusted them to being gluten free and dairy free. Once we figured out how to do the flowersI've always been dairy free and dairy free since I was diagnosed dairy free at like, you know, eight months. So we started adjusting all the recipes, and we realized, hey so you're able to take old family recipes and convert them.That's exactly how we did it. Our first 19 recipes. Were family recipes. They were sort of our original, we still have almost all of them. That's nice.That is so cool. There's legacy in this there's tradition. That is awesome.Like my mother baked her mother baked her mother like it's just been my whole mother's whole side or huge bakers and then my dad's side are super bright, smart. Academic kind of people. And it just works. She and I are kind of the combination of both sides, which is I actually don't like to bake, which is comedy considering it's my business in fact. I love. I love helping people and I love serving others. And I love our product. And I love what we stand for. But you're the  nutrition side. Yeah. And I like to make everything healthier. And that's definitely of interest to me and always has been so she took family recipes, and then I would adjust it, we would make it vegan or we would cut the sugar we would increase you know, whatever it is that we were doing. So I would make sure that it tastes like if it didn't taste good. Like it had to be good and gluten free first. And then if we could decrease, we could take out the dairy. And she got she was so good at it that nothing has dairy in it anymore, but we just got great at taking the dairy out, but it and then we lowered the sugar significantly. But if it doesn't taste good, you're not going to eat it. So there's that balance of Yes, it's gluten and soy and dairy and corn free and 50% less sugar and it's organic, but does it taste good? And so you have to draw that line and having Enough sugar that is still palatable while knowing that you don't want people living on sugar. So we're really good yin and yang of making sure that the nutrition is is acceptable. While it's still really satisfying.  Optimal while edible.Yeah. Could be a T shirt and find optimal while edible. Edible while we will. Yeah, sure. So we started we started just the two of usWhat year was that? August 2010. Well, March March, we started subleasing space of 2010. January through March, we sort of worked on the website, ordered labels, things, things of that nature. You did what I'm sorry? Our first customer came in and we literally went, so we were subleasing. 6 days a month. So...We were subleasing space from him. She would like a private chef. He did South Beach diet. I mean, this is a long time ago. I don't even think it's still a thing. I mean, nobody even knows what that is today. But so she was she wasn't a gluten free facility. But she was. I mean, it was She was free because she was happy. She didn't do any grains. So we sublease space from her one day a week and then two weeks, Every other Friday, Two days. So six days a month is when we started. And that was the end of March of 2010. I think the second week we were there as somebody walked in. Yeah. This tall thin guy and we're like, but he's like, I this is this where I can buy gluten free products. And we were like,  what? How did you find? I mean, we have a website but..Let's back up a little bit. I'm super into how businesses are built. So are you guys sitting in your kitchen, making this stuff together and then taking it to this place?I was in my kitchen doing most of our recipes and she was in her kitchen doing the food bar and we honestly thought the food bars were going to take off and that the other stuff wasn't because she found outlets. She sent food bars or hand delivered food bars to a lot of people they weren't podcast back then no food blogs, food blogs, so she wouldn't in a food blog situation for I don't know 15 years, right. So we did That and then we did. We went to a celiac support group in Dallas and then we went to one in Fort Worth or North Richland hills North Richland hills, and brought our food. And at one of those two interesting things happen there. The first question they asked was, are you soy free? And we're like, Huh, am she and I never had had an issue with soy and really weren't paying attention to things besides dairy and gluten. And we're like well no but we can be because it happened in both groups that we met with, so we figured it must be important. And then at one of the meetings, a blogger for the Dallas Morning News, mom's blog was at one of the meetings. So then she came to us and asked if she could interview us, and she's celiac. Nice. Yeah, she's celiac. So she came in, she interviewed us and did a story in the Dallas Morning News, moms blog, which got maybe the most hits they'd ever gotten on a story, That's what they said comments. It had like 80 comments on the story. So then Nancy Chernin with the Dallas Morning News. Well Hold up. So we were baking in our original kitchen separate on our very own kitchens, we had already quit our jobs. We quit our jobs at the end of 2009.Is that was that a real difficult decision? You no, because you wanted it out was this for you? So I got married the end of August Excuse me, I'm sorry.You can always a hit that we have little we have Eric and I always do that. Sometimes.So you didn't you didn't teach me that? Now, I know I was so much more interested in the history quiz.So I got married august of 2009. And I quit my job in November, I think in my husband like August 29. So I mean, we're talking like a month later. And my husband's like, Yeah, I am. I'm not sure if I've married a banker. Like last I checked, he were doing litigation consulting. What happened to that? Yeah, but your hours were horrific.No they were there was it wasn't something we wanted. It wasn't sustainable to have a family. So you know, I quit my lucrative job. And now I'm an entrepreneur and I work all the time. So It's even better, Make less money and work all the time. But I love it so and it does it. It fills meDo you think like you're helping more people suing them or feeding them good food?Undoubtedly we are making a huge difference in people's lives. And it's awesome. So we baked in our own kitchens, yada yada, yada. end of March we started subleasing space. That blog came out maybe in April?It came out was super, super soon, Super quick. I mean, we tried to put ourselves out there but this is kind of this is before social media. I mean, Facebook existed, but it was like a college. But you know, it wasn't even for the general public. So it was a totally different situation. Which is even hard to believe today. But so then, in June, the people we are subleasing space from No, no, no, we came out in the Dallas Morning News on a Sunday on the back page of the Sunday edition of the of the whatever you open the newspaper up and we're the were the full page on the back page, titled building a better bakery like i'll never forget it. On that Tuesday, we sell out Oh my god, people were so excited. Wednesday they tell the lady releasing from that she loses her lease. And we're like, what? They won't let us put a note on the door. And so suddenly she's closed. Luckily, we had already at leased a second space. We had seen the success already. And we're like, okay, we just want to we can do this. So we were Yeah, we wanted to just prove ourselves. So we were baking one day a week, we would bake, we would freeze. And we were so tired. Do you remember, we were so tired. We thought it was so hard. It was all it was. And so then we we went ahead and signed the lease and started started construction and all of that on our first location. And then we lost our sublease because they lost their lease  the day after we came out in the Dallas Morning News, crazy. And we and we were closed for two months, because we had nowhere to go. So the timing was awesome.This is like with Atrantil we get knocked off. Yeah, we've been like knocked off Google after we did like a big podcast and you're like, Oh, look at that. Everyone's looking for us and you can't find us.Yeah, wonderful.I remember years. years later, somebody came in and said, Oh my god, you're still in business. We just assumed that you'd gone out because it happens all the time in new startups, and especially like there have been several gluten free bakeries that have started and stopped. And it's, you know, starting your own company is there's nothing easy about it. It's not easy. Definitely no easy. There's no rules. So we opened our we opened our first what we call our flagship, it was called White Rock. We used to bake there, and we had a retail presence. We were open Tuesday through Friday. No, Tuesday, Wednesday, Thursday, at first We're like we have a specialtyJust You two?Yes. Still?We might have hired one person by then our first girl was Anna, who came back us after 3 culinary degrees. Anna is still with us and we love her.She came back to us. Wow. I know she's massively overqualified. But she's awesome.But it was us for quite a bit and then Anna came on and then we gradually started just hiring people. And then a year later, we doubled that space. We took over the lease next door and expanded ourselves. So then we had, you know, more retail, more seatingThat's when we add coffees and tea's and smoothies and sandwiches.We doubled our freezer capacity so something we do which is no secret within about an hour of production every product we make is frozen. It's packaged and frozen. So gluten free products on the market are sold frozen This is no mystery. If it's not sold frozen then it has a lot of stabilizers in it which is not something we believe in so we don't do that.say that one more time because...So if it's sitting on a shelf...It's full of junk. It has a lot of stabilizers in it. stabilizers preservatives chemicals bread is bread, you know bakery sell day old bread, bread is not meant to sit around for weeks because it's it molds it has or it gets dry and it's hard and nasty they sell and they sell daily bread for a reason. day old so we freeze all of our product as soon as it's cooled so it's perfect for you. It to enjoy for you know we say a year. I've definitely found product in my freezer from several years before that that we consume in my home. Now do I say that to our customers should you eat your product three years later?  I mean do what you want. We say it's great for a year. So, but we freeze all of our products so by then we needed another freezer so we doubled our space. And then... Sure. From a business perspective, sorry to interrupt but I love the idea of the entrepreneurship. No No, no, I just, it's as somebody who's an entrepreneur that is in the throes of it I just bogged down by the like, I want to know like what the relationship was, did you have to have somebody analyze the food after a year to say this is safe for a year.No, we did our own I'll take this part when we we used to bake something we would put it on the counter, we'd wrap it and put it on the counter, we'd put it in the fridge and we put it in the freezer, we would date it and then we would watch to see how how it landed you know and see how long it stayed soft and whatever on the counter and it always got hard long before it molded. Now like now, a sweet bread pumpkin banana bread. It'll mold before it gets hard because it's so moist, but we figured out how it would hold. And that's how we know like we found something in my freezer three and a half years later that was dated and we knocked the ice off of it and ate it and it was amazing. It's just sort of a interesting trial personally i mean but we did so we haven't had anything like we're not gluten free certified because we're dedicated gluten free and like who was it that said well I mean they say they are. We've just developed this reputation where people know that if we say it's this then they believe it is. But we also don't have cross contamination in our space with gluten and soy. It doesn't exist. It's dedicated. we built out. It used to be like a retail facility that is our production facility. And every product we buy is a certified gluten free product and by product i mean a raw gradient like organic brown rice flour, organic almond meal, like these things are already certified gluten free on their own, and that's everything we purchase. And we're in dedicated gluten free facility and what most people don't understand these certifications for organic or non GMO or or gluten free our per product they're not..I was gonna have eric comment on this because this is the stuff we would would you just tell the audience really quick, so you don't have gluten free stamp on it. And there's a reason you don't have the non GMO paleo friendly keto. explain to the audience what these mean, You have to pay a license to even have those monitors applied to your label Per product. And then some of them if it's what does it do the wheat foundation of celiac Foundation, not only do you pay the license fee, you pay 1% of all of your sales on top of that, because they..I mean it's prohibitive for us,especially, especially with the number of products we have if we if we were just trying to distribute five products across the US. Absolutely, they would be certified gluten free. And if and when we ever go that direction, they will be as well. However, am I going to certify all 15 types of cupcakes we sell on a daily basis? Absolutely not. Or all 8 sandwich breads.We're a dedicated gluten free facility. We will never have an issue of cross contamination with gluten, gluten, it's never going to exist or happen and we have literally Not had an issue with customers caring about that. Yeah, you know what I mean? Or getting sick? Well, they never could get so we only purchase certified gluten free raw ingredients like it. We have strict protocol, we have signage it on our doors that asks you to not bring in gluten containing items into our stores. We ask customers to leave Sure. Yeah. That's awesome. Because of customers are sitting there at one of our kids tables, and they Oh, and they are their kids might not be gluten free, but they open a package of goldfish. It's going to make my next customer sick. So... And it could make somebody like we're like, it would just make me sick for a couple of weeks. But it might it could send somebody to the ER like people can have huge reactions to it. So we just ask people to be respectful and they absolutely are. I mean, they look we have people especially in some of our center, our locations that have like sort of a real walkability factor. If they're coming in with a sandwich as they're walking and shopping. We'll just politely ask them to leave it outside because we're gluten free facility and we take it very seriously our cars our staff cannot eat outside lunch.So I just want to say One thing that I love the fact that your reputation precedes you and you are above these, these different labels and stamps and things like that, but these labels and stamps had to come about because people were skirting the system and they were lying. And that's what the supplement industry and that's what the food industry will do. So another industry was built upon it so that they could at least monitor it and you guys are like, No, we got it figured out.Every so often they share facility right? Most people don't build out their own production facility. So some gluten free cracker on the market is being made and another packed cracker distribution facility. So they have to test for parts per million because they're using the same machinery because that machinery is hundreds of thousands, if not millions of dollars. So they go through a rapid cleaning process, whatever they do, and then they test parts per million to make sure it's under 10 to certified gluten free because it's on shared equipment. That's that's not something we're dealing Right because we're our own facility. I would also say that I'm not sure that I think that people are skirting the system or lying. I think that like if I'm let's say we don't have this great business and I'm wanting to buy gluten free stuff because my kids are super sick I probably wouldn't have done it for me but I would actually do it for my children right which is a lot of what we see at our stores is that's for the their kids often. I would I would need something that said it was certified because Am I going to trust blow Joe from you know, whatever town in some state that I can't get to, you know, we've earned this reputation because we grew organically pardon the pun, from area to area to area within the DFW area. So we're still in a small area even as we ship nationwide. But I also think there's a lot of trust within that dedicated gluten free facility I believe somwhere that's dedicated gluten free. Definitely. I will not eat a cupcake from somewhere that just sells a gluten free cupcake. Nope. Because it's probably next to the gluten cupcake.I've been burned on it so many times. You should see what our facility looks like. Like we've built out a dedicated room in our facility now to do the mixing because flour goes everywhere. And after one recipe, there is a...There's just a shrowd of flour all over everything within within Oh 20-30 feet Her point to that is that if it's a traditional bakery they're getting that flour everywhere you can't you can't all of ours are gluten free so we do it for cleanliness and right various other things. What did you get out of the machinery? You'll find gluten everywhere. Everywhere. It just it just goes up in the air. You can't help it. Like, people sometimes get upset that we have sprinkles, right? But some kids they can eat it so it's no trouble so if they can't eat gluten, soy, dairy, corn, eggs, peanuts, tree nuts, but they can eat our cookie and our cake. And they want to feel like a kid by having sprinkles on it because you know, Sally gets sprinkles on her cake from whatever bakery. By golly, we're gonna have sprinkles. It's not going to cross contaminate. Just don't we won't get sprinkles on your stuff like it's okay. But gluten and it flies. It flies. Yeah. So ya'll have the first store and it's now August 2009. We've gone...2010.2010 and then suddenly, when did you start to realize hey, we've got something successful. And we might even grow to a point where we have more than one location. We knew it from the get go.Right. So I think it's more of could we keep up? Oh Okay, So we knew that the demand was there immediately. Sure. So we doubled up our location, we built up a triple size freezer than what we initially had. This is at the White Rock location?And then as soon as we doubled up White Rock, we then were like, okay, a lot of our customers are coming from the north.Hour and a half away. Why are people driving from so far north from McKinney, Frisco? You know, now it's little Elm and prosper, but then it was like Alan,Richardson, McKinney, Frisco. So we started looking up north, and we opened our Frisco store in September of 2013. So it was our second location. Now we'd already doubled our initial location, but it was our second location. And then we opened. We opened our third location in November of 2013. But that was unusual. He would traditionally never open a store that quickly Back to back But now we've done that two more times. Not two months apart. Yeah, we did we opened medallion in in March and we opened Fort Worth in in June. So are you guys? Are you are you all self financing this whole time? We are that we're all self funded.So that is that's bold.Impressive and awesome. We are crazy. I like to say we are just crazy.That's part of what that's part of what our I wouldn't say delay, but it's not like we have immediately bombarded the whole market, but we see companies do this all the time. And it happens constantly, especially in this healthy eating space. There's multiple name brands that you can look at across DFW that have done this they have popped up 25 stores and they close 22 of them close in three years so it's happened time and again in this healthy eating space. I mean happens at restaurants especially but in retailWhen you expand it just out of curiosity obviously going from whiterock up to the Plano Frisco McKinney area probably made sense because you could tell what People were driving from like you said.Plus we were trying to spread it out. We didn't want to monopolize ourselves within a doable distance. Like we didn't go to Austin because it would have been too hard to control.I understand,You know, but we felt like we could control from and whiterockrock to Frisco and we could.  And we didn't feel like the Frisco market would cannibalize our White Rock store either. So that was our initial goal in our growth kind of market and we looked at some of these other healthy eating space brands that have popped up all over and we looked at where they were and we looked at where our customers are coming from, do we pay and have studies completed? No, we didn't. But we looked at our our customer base and where we would want to shop because we are our own customer.That's interesting, because there's there's a friend of mine from my hometown and he started taco casa. And the way he decided on where he allows people to have a franchise and open up the places he will look for a taco bell and or a McDonald's and then see what the traffic is.They've already done their due diligence.So I'm thinking your store in fort worth if I remember right is on Hulen. Yes. Is that correct?It's underneath Central Market.Yeah. So not far from Central market, but it would make sense off of hulen to be in a place, so is that kind of how you piece that together because your Frisco location makes sense.We grew up in the business, we've watched, I've gone with my dad to look at site selection with the National franchise group. So we and she grew up running the stores. So we kind of knew the brains behind that. But also, we're a destination location, whereas most restaurants are not most restaurants. It's a cluster location, but we're more of a destination. We're very unique so that that's why we could open up our first location was probably in an ABCD spectrum. It was probably a D location or a C location. I think it was it was technically classified as a C location. But it didn't matterLike never like today, we would never put a location in aC location, but it was our original and our Flagship. There are things that we look forward to had parking, which is a huge thing to us, like Parking is huge for us are, you know, soccer moms are a huge part of our clients. Oh, I am my own clientele. My kids are both gluten free. So I just want to comment on this because you said something really cool. We could have paid the money to have market analysis, but we knew who our clients were,We know our customers. We are our customers. So that's we have we have baked for ourselves the entire time, which I also think is why the quality is different than most gluten free places. We'd literally eat our own food. And if I don't like it  if I don't like it, we don't make it.Love that.Because I've got she calls me a super taster. Like, it's gotta have enough sugar but not to much. It's actually really annoying.  But it's great and you know, both sides. Yeah, I just asked if it doesn't taste good. Why are you going to eat it like it's baked food is comfort food. It makes you feel good. Like the first gluten free bread I had after we got diagnosed was a I'm just Can I say that? No, don't say the brand. It was a white hamburger bun. See look I filtered filtered. That has never happened. Put it on the calendar. Never happened. It was a hamburger bun that was shelf stable for a year and it was on the counter. And it was just like almost like eating styrofoam. How delicious Do you think that was? Not very. You know, and I was like, so we didn't eat bread like I literally none of us ate bread till we really started baking because we just let it go. Because it wasn't worth the calories like to me like carbs are a happy calorie and if it doesn't taste good, then why are you going to eat it? But it's true, like we will dine out and my kids will say I'll ask them all ,buddies. Do you guys want a hamburger bun today? And my oldest boy, he'll say, well, who makes it? Who what brand is it? And he's like, discerning He's like, well if it's that bad I want that one. He doesn't want to he doesn't like it. It's not his it's not it's just not worth the calories. Well, that's not how a 9 year old thinks. That's not how he says it but that's what he's thinking it's just not worth it. He's like, I don't like it. I'd rather have more french fries. So he's already made but he's making those choices without knowing that he's making those choices. By right we so back to your did we pay for market analysis but we're also not necessarily answering to anyone either. We are we are our board of directors we are bank we are loving we have the ability to make those decisions where you know the larger companies they might have to answer to their investors or whoever else andWell they would have to. Right this is why they want to put something somewhere and this shows that.So when I when I read about different successful companies one that comes always pops into my head is Southwest Airlines. And the CEO you know the name of the CEO I always forget. Gary Kelly. Just keep her around. She knows everything.It's a because we have to deal with this real like you cannot please everybody. And it's the whole story where a woman was complaining and would send an emails about how she didn't like this, this and this, which are all standards for Southwest like you're gonna wait. You're going to get in Group A, B or C. And he wrote back. Thank you for being our customer. We hope you enjoy the next airline you fly. Basically we're not catering. This is who we are. You don't have to cater The people that want to come to unrefined bakery, they know what they're going to get. They don't need a stamp on it. And you built this with your model with your convictions with your money and so you don't answer to anybody. And you can do this unapologetically. If somebody says that the super taster did a bad job tasting doesn't matter, she's the super taster. There you go. But, but on the flip side of that we do very much listen to our customers. And that I think has been probably our most pivotal point of our success, right, is that we listen to what our customers want. Do we listen to their complaints? I answered them all personally, She doesn't let me come close to those. Every single one of them. We have very, very few complaints are our customers love us people cry in our store. It's actually part of our training for Front of House staff is how to deal with the crying mom, because it happens. Really? All the time. weekly in every store.Give me an example of how that would go down.Okay, I wanna give one. Sure you give one and i'll give one. A lady comes in years ago her husband's with her she's got, it's from when we were in White Rock, but you can repeat this like every week in the store.Every week. Yeah. Kids in tow and they're all like got Cheshire Cat grins and she walks in and she goes, What's gluten free? Happens all the time. We said everything. And her husband and kids knew that she didn't know it was like their gift surprise to her. And they brought her because she I'm gonna cry. And she just started crying. She did. And normally it's the parent crying for the kid. But this was the mom that was celiac. And the family had done this for her and brought her to us. And it's just, it's why we do what we do. Like it's why it's why we've grown. It's why we've put the money back into the business to get into the market as best we could to make sure that we'd be successful. Because if we didn't grow like we did, somebody else would have come in and grown People have come in and some people have already left. But we needed to saturate the market as best we could with our own limited funds. Because we we think we're the best in the country. What we do, we're we're organic, we pay attention to the ingredients we do as little sugars we can't we do as the least harm that we can with the best ingredients that we can to bring you the best product that we can. And I think that we succeed. I mean, I think it's good food.As a customer, I could say, I trust everything that you're saying delicious.And we really care, We won't ever make sacrifices in terms of the quality of our ingredients. If anything we have we not acknowledging we have simply improved the quality of our ingredients. We never started being as organic as we are. We're basically 98% organic.  There you know We started off being about 50 or 60%. Like when they were kids, I tried to buy healthy food as best I could within the realm of what I knew back then. We started off being gluten free and then immediately went soy free, and then quickly started taking the corn out because people say can you take the corn out? And we're like, well, even and we didn't even use organic corn at first. And then we're like, well, we can use an organic corn. But even then it's just a starch and doesn't really add value. So what's causing people trouble? But it just snowballs. I mean, the more you The more we know the better we do. Like that's how we have grown And we're better at making recipes now like everything's better.How hard is it to when somebody says can you do something without soy I can do something without corn? How hard is it to redo these recipes, the familial recipes. Oh it's hard.it was very hard but it's it's complete. So we're not there's nothing more to change at this point. Today we we've kind of focused more on growing our Kido line that's been our largest so these days not only are we a gluten free bakery, and and, you know, an allergen bakery in general that's sort of how we're known but we're also known for just catering to special diets. Whether that's and I don't mean diet isn't Oh, you're on a diet. I mean, diet is in this is how you fuel your body. So whether keto,vegan,paleo, those are all diets, we cater to tremendously vegan because by eliminating dairy and eggs, such common food allergies, we have vegan products, and then keto because we already it's difficult keto baking is intrinsically Difficult as is paleo baking paleo baking is easier than keto baking. We need to back up paleo baking is no grains, no sugar, no dairy, no legumes. Keto takes it further they don't want even this sugar from say the bananas that we would use in a paleo muffin to sweeten so they want an alcohol sugar to replace the sweetener. So the body doesn't take it as a sugar and they want and no starch And no starch so you can't use the tapioca or era root. 20 total carbs per day.So you're baking predominantly with eggs and seeds, nuts and seeds and a lot of people do keto in a very 1990 Atkins way where they're supplementing with cream cheese and other things that they're baking with but our keto was all organic and dairy free, which is highly unusual Super hard because when I tried keto it was basically do cheesy eggs in the morning cheesy eggs for lunch and cheesy eggs for dinner.Butter bombs, you know, little butters cream cheese and don't eat too much avocado because you know it has too many carbs.You have to Be really careful. It's awesome because what I Hearing though is you're meeting your customer where they're at but doing it with your standards. That's exactly right. We we know that...We won't change our stores. Yeah, our people come here. And I hear that you're wanting this. We're going to try to meet you. But we're going to do it this way in the most ethical way possible. I think it's fantastic.  Somebody said to me, Well, I had a keynote cupcakes the other day, and it was better than yours. I was like, that's awesome. That's great. And, and they emailed me the ingredients to it, because they thought we should make it and I was like, well, none of we don't use these ingredients. We you can't even pronounce these ingredients like this is not this is this does not meet, unrefined's way of doing anything. It's not organic pastured eggs, it's I mean, we're just not going to sacrifice our kind of core competencies and core beliefs to make a product that she thought was more palatable. She's Welcome to buy their cupcakes And just to clarify, the reason we do it that way is because we really think that the the junk in the food The reason it's called junk, you know, the chemicals and preservatives, the additives, the colorings, all that stuff, we believe to our core That that is part and parcel of why people are getting so sick. It's not just the gluten and it's not just the dairy. It's not just the sugar. It's the combination of all of that junk. I couldn't agree more.Well, I mean, so everybody sits in so I get this all the time where patients will will tell me Oh, yeah, I don't know, I feel a little sick when I have gluten, but I know that's just a thing that doesn't really exist. And you start looking at Okay, it's not just the gluten. It's the amylase trypsin inhibitor that's there that the that's the GMO wheat that allows it to be pesticide free. Now we know that creates intestinal inflammation. That's a very simple thing. Now we know I had a patient today where she was talking about being bloated and she had her pocketbook out and a protein bar was sitting right there. And I was like, do you mind if I look at this and I pulled sugar alcohols Winner Winner it said no, it said non dairy, non gluten but it was making her bloated like crazy sugar alcohol. That's awesome for your gut. Yeah. Exactly and then yeah, and so it's it's funny, you're exactly right once it gets put in a package can sit for a year on a shelf. There's all different kinds of things going on with this.So y'all, y'all are y'all just opened your seventh location? Seventh retail locations. Seventh retail location. And ya'll also do special packaging and shipping for people who are on the contiguous 48. Yeah, yeah, we shipped to all 48 lower states. You know, the 48 contiguous. Yep. And then we also have a pretty large wholesale businessHold on and one special customer in Alaska. I'll just say one special shout out to my sonMy brother lives in Alaska.We used to ship him cookies in Iraq so Yeah we did Alaska is nothing compared to Iraq.Wow, that's fantastic. Y'all do cold pack shipping i guess?So we ship with dry ice across the US, but it's not required for everything. So some of our products especially locally within like a UPS ground delivery system within a day, which is Texas, Oklahoma, Louisiana, Arkansas, I mean a pretty good chunk of the regional US that we're in is next day so most of our products can ship next day no problem I mean we asked for you to freeze them to prolong shelf life and but they're not going to go bad in a day so a lot of people opt against the dry ice shipping but then things like our cakes and our cookies we require dry ice shipping for sure. So a lot of people add that plus their breads and other things to their cart and checkout. Or pies. Yeah, we ship our piesPies are fantastic By the way Can you giveme since I've met Eric his seasoned with your stores, but I've not been into one of yours which I'm going to do probably tomorrow. Can you tell me that that you'd like a brief list of the types of products that you carry or that you make?Yep. So when you walk into our stores, we kind of act as though the freezer section of the grocery store you shop at whether it's central market or whole foods or Kroger or anywhere else. You look in the freezer section of the gluten free staples you have your sandwich breads your dinner breads, your hamburger and hot dog buns all your various muffins and your pizza crustpizza crust is in our top three most popular products Pies. I meanY'all have dough's too. we do. Pie dough and cookie dough. Pie dough and  cookie dough cookie dough so we I like to say we make everything gluten free with exception of pasta and crackers. So pasta and crackers are not items we make nor will we make people like oh you should make that I'm like why never made it before I'm I don't have the equipment for it. We stick with our with it our expertiseSo pasta and crackers are never going to be something in our wheelhouse it just doesn't work with our model but anything baked whether it's quick breads or you know and then obviously all of our cupcakes and cookies and custom cakes, custom cakes are huge for usCustom cakes?Anything like 50% of our sales. No kidding Shut the front door.That is that is so labor intensive.Well it is but our but where else are they going to get a gluten free dairy free soy free corn free peanut free tree nut  free. Where else are they going to get a cake that tast tjhat good and that every recipes a custom recipe for that item like not like we use a mix. Like every recipe is different. Do you go so far seems like wedding cakes and stuff like that? We do. Absolutely.Wow you guys do not hold back.That is all her area I make it taste good and she helps people make it pretty.So we have a cool thing that are you know unrefined loyalist follow for us. We have our cupcake of the week or our cow as we affectionately call it the launches every Friday. I believe this is the Cult following seventh year we've done cow. So we've been doing every week for seven years, a new cupcake of the week, launches every Friday morning at 9am on social media, and then it hits all of our stores that day, whatever time they open, and they last until it sells out and it's always a custom flavor. And we bring back our favorites like what's today, Thursday. Tomorrow, Oh no! First time ever.Oh wait. Is this like an early leak late for the cow.Tomorrow's our cookie monster will go nuts for so it's like a chocolate chip cake and it's filled with a chocolate chip cookie cream and it has a whipped vanilla buttercream to with chocolate chip cookie crumbles. And its people just love it. You are going there tomorrow.Oh yeah.The best one is the overload the chocolate overload which is my favorite.Chocolate over it. So we have like probably five most requested cows, the overloads one of them, it's a chocolate cake. It has our fudge brownie bakes into the center. And so it kind of is gooey and then crispy on the top. And then it's topped with ch

Tengo el orgullo inmenso de compartir el primer episodio con esta gran mujer que tengo la fortuna de conocer profundamente ya que tomó coaching individual conmigo, en 8 semanas pude verla encontrar sus propias respuestas  y estar dispuesta a crecer, aprender y emprender con intención. Andrea tiene un proyecto padrísimo, con profundidad, con pasión y con un propósito aparentemente sutil pero que transformara la vida de muchas mujeres que anhelan regresar a sí mismas, a su esencia y necesitan un guía para lograrlo.    Recuerda que si te interesa tomar coaching individual conmigo puedes agendar una sesión individual de descubrimiento, toda la información está aquí: https://www.estheriturralde.com/coaching     Andrea Trujillo Fundadora de Andwell, creadora del curso online "Balance" y de Andwell Podcast, por medio de sus cursos online, coaching y clases de pilates y yoga, Andrea ayuda principalmente a mujeres que buscan vivir una vida en balance en el ámbito físico, espiritual y mental; por medio de la metodología de un cambio de hábitos les ayuda a regresar a su centro, reencontrar su esencia y re-conectarse con ellas mismas. El curso "Balance" es poderoso especialmente para todas aquellas mujeres que últimamente han vivido cambios importantes en su vida ya que ella lo ha vivido en carne propia.  Andrea nació en la Ciudad de Mйxico, a los 10 aсos se mudу al norte del paнs, después de vivir 8 intensos e increíbles aсos en Monterrey, se volvió regia de corazón. A los 18 aсos se mudу a Querétaro en donde los primeros dos aсos batalló mucho para adapatarse a su nueva ciudad y estilo de vida, pero finalmente en Querétaro viviу felizmente durante 12 aсos, también viviу en Australia 6 meses y regresando se graduó como Lic. en Relaciones Internacionales por el Tecnológico de Monterrey Campus Querétaro, después de graduada obtuvo sus primeros trabajos pero nada que le apasionara. Por la misma falta de pasión en el бrea laboral a los 26 aсos decidió viajar sola a India y a Nepal para hacer un viaje de instrospección y para certificarse como maestra de yoga. Desde los 20 aсos es maestra de pilates y 6 aсos después se volvió maestra de yoga. A los 30 aсos, después de 20 aсos de estar fuera de la Ciudad de México regresó a vivir a esta gigantesca ciudad, como ella la denomina, y fue una de las transiciones mбs difíciles de su vida, pero al mismo tiempo fue un tiempo de autoreconstrucción, crecimiento personal y confirmación de su vocación.  Actualmente es Coach en cambio de Hábitos por el Instituto Hábitos y es apasionada de compartir bienestar, ama dar sus clases de yoga y pilates para todas aquellas mujeres que quieran conectar con sus cuerpos y ponerlos en movimiento de una manera amorosa.  Mis redes:   website: www.andwell.online Instagram: andwell.habitos.yoga.pilates Facebook: andwell.yoga.pilates     ¿Qué es Reinvéntate summit 365? Es un plan completo de transformación personal en un año: vas a conectar con tu espiritualidad y serás capaz de escuchar tu intuición vas a reconciliarte con tu cuerpo y vas a desarrollar inteligencia emocional  vas a mejorar tus relaciones personales sociales y románticas vas a desarrollar tu mensaje a través de conocer el propósito de tu vida vas a entender cómo lanzarte al mundo del emprendimiento digital e impactar a muchas personas vas a desarrollar resiliencia, vivirás una vida plena y abundante puntualmente vas a recibir 35+ masterclasses meditaciones guiadas un libro de trabajo para tu estrategia personal libros recomendados atajos y más Lograrás avanzar aceleradamente al sumarte a este movimiento de transformación cuántica. Compra tu pase anual: reinventatesummit.com Síguenos en instagram instagram.com/reinventatesummit ¿Sabías que este podcast tiene un grupo de ESTUDIO MENSUAL? Si te gusta este podcast, te va a encantar. SE LLAMA: RELEVANTE ESPIRITUAL REGÍSTRATE : https://www.estheriturralde.com/relevanteespiritual   Info de cursos: EPIC HEART: https://www.estheriturralde.com/epicheart EPIC SELF: https://www.estheriturralde.com/epicself TAPPING: https://www.estheriturralde.com/tapping MONEY MINDSET https://www.estheriturralde.com/moneymindset ¿Dónde escuchar el podcast? Apple podcast https://podcasts.apple.com/us/podcast/reinv%C3%A9ntate/id1338915019 Spotify https://open.spotify.com/show/44eVvXlPk5Xw3Aei3yB311 YouTube https://www.youtube.com/playlist?list=PLguVDz7A7YBBjDqJsbWk586E1DE7Otdb0 Web http://reinventate.libsyn.com

Alright, welcome to the Gut Check Project. This is episode number 23. You're here with your host, Kenneth Brown, MD. And I'm Eric Rieger. Let's, uh, let's talk a little about what we got going on Ken.Well, we're, like always we're trying to push some boundaries. And one of the things that I see as a doctor is that I want to make sure that my patients are very healthy, both mind and body. And when ever my patients come up, and they're going through a stressful situation, they manifest it in their guts. And one of the most common things I see that I can't help them, which is why we brought our guests on today is that when people go through financial trouble or when they're stressed out about their money, they can manifest in their guts. They show up with all kinds of stuff so they end up at a gastroenterologist office, and I can't give them any real advice on their finances and how to help them with that. So like we always do with the Gut Check Project. Let's bring him in. Let's check our egos at the door and let's learn a little bit. We got some experts here with us today and that is Mr. Patrick Brewer and Mr. Tim power both from Surepath Wealth.Yeah.Thank you guys for coming up all the way 35 to Dallas from Austin. How y'all doing today?It was a joy. Well, we didn't die. Yeah, that's the first step. We made good time on a rainy Thursday morning.Now, that being said, I know that you said we didn't die. But Tim said, but if you would have your family would have been covered.They would have been covered. Yeah, least 3 million. Maybe more than that.So Surepath Wealth Management. It's far more than just taking care of someone's finances. Correct?Yeah, I mean, the way we think about it, it's similar to being a doctor, right? And you have a holistic approach and you want to solve the person's problem. And sometimes they present with one issue that they think is really important, you know, they may have some issues with their their stomach or I'm not going to pretend to know exactly all the things that people could present with. I'm sure there's some, some strange ones out there, but they present with a particular problem. And they you know, that's what the that's the problem that thye think they need to have solved but in reality it's it's more than that there's other things that are contributing to the initial problem and making it worse. So our role similar to a physician, I think, is to lay all the pieces of the puzzle on the table and then start to assemble them and really get to know what's driving our clients and or people in general, and just figuring out what their motivations are and what they're trying to accomplish. And then, once we have a good sense of that, just putting it all together and hopefully solving the problem.Absolutely. I mean, there's a lot of similarities. I mean, people come to you people come to me with very intimate problems. People come to you guys with similar issues. Yeah, When people somebody shows up to your office, they're saying, I'm going to give you my world, the world that much like the great prophet Kanye West said, money isn't everything but not having it is. And so when you get to the point where they're like, look, I've got this What can I do to grow it? What can I do to not lose it? That is one of the most vulnerable things just slightly less vulnerable than somebody taking their pants down and letting me stick a finger in their butt.I don't know. I mean, I think it's about equal.For some people that can be really stressful, there's some there's a lot of shame around money. There's it's a very intimate discussion, because you don't know the beginning of the conversation, what their experiences have been. Maybe they've made some poor decisions in the past, and they're reluctant to admit those, maybe there's some controversy with them and their spouse, they could view money differently the way they were raised, and the way that they think about money in general about how they could use it in their life or even their preferences for what they're going to do with it and retirement or when they pass away and they want to leave a legacy, do they not? So there's all these embedded psychological and emotional factors that go into how people interact and make decisions about their money. And the first step, similar to being a physician, I think is to peel back the onion a little bit and see what are what are the driving forces here that are actually contributing?I want to get into all that Eric, can you explain actually that it isn't exactly like we just bumped into you guys on the street. Can you give a little history as to why we have these two super smart guys here on the show?Sure. So we are a part of a mastermind group and Tim and Patrick both happen to be a part of it. The reason why we joined that entrepreneur group is we're all aligned from the same orientation that we want to be able to serve our fellow man the best way possible for us through healthcare. It's how do we reduce stress and increase health for y'all? It really is, just as you said, Patrick, it's a holistic approach to managing your own wealth and finances. And the great thing that I've seen and learned from both of you all over the course of the last year is you treat your clients like family, because this isn't an opportunity to shame someone with their previous financial troubles, etc. The thing I found really interesting though, is you and I have talked over the last several episodes and over the last several years about how can you help someone reduce their external stressors, right? Because by having that you lead insomnia, you lead to catecholamine circulation from high stress situations. So we've talked about people that regularly see a doctor usually end up decreasing chance of disease they, they come in to see a gastroenterologist, they're usually not going to have a polyp that turns into a cancer because it'll be detected. So what I found kind of interesting is someone who turns to someone for wealth management actually has less potential to gamble. They actually are better prepared for their financial future, obviously reducing stress so they reduce stress, they reduce their risk of bankruptcy, regardless of their income level. And then obviously, their family conflict is reduced. I don't remember what the crazy stat is, but it's well over 70% of marital strife comes in originates from some element of financial problems or disagreements in the first place, simply by having someone that I didn't have someone tell me when I was younger simply by having someone help you forecast and help you put your money where it would serve you better will ultimately reduce your stress and work out better for you and your family. So that's how we met Surepath.I think we just met on the side of the highway.When no one knows because you muted your mic.I didn't mute my mic. I said, I think we met on the side of a highway. But I guess maybe we met...Well, I mean it. And Eric said I was stupid for standing on the side of a highway with a sign that said, I'm looking for better than 8% yield. And you stopped. Let's talk. Because, and I said also, I'm looking to diversify my risk by hiring 20 advisors. And you're like, yeah, let's have a little talk. Yeah. So one of the things that I was really impressed with is you gave a lecture at the conference we're at , and I wrote down a few notes, which was really very interesting to me because everyone tries to outsmart the market. Everyone tries to do this stuff. We want to invest in America, America.We're Americans.You said several different things which were really interesting, like how percentage of stocks in the stock market that is outside of America. Can you get into some of the stuff you talked about in the lecture?Yeah, for sure. So I mean, with investing, there's so much that you can do. And what I found is that investments that they're kind of like a bar of soap, the more you handle them, the less you're going to have the highest level. A lot of physicians, they, they overcomplicate things. So the biggest thing that I've seen is the desire to have passive income, which I think is great, you should pursue passive income, you work really hard and you should have investments that are working on your behalf when you're asleep, and you're not having to trade your time for dollars or scale up really complicated like multi specialty surgery centers. There's, there's ways to generate passive income that put you in a position later on where you don't have to work as hard. But what I've what I've seen is in our industry, when you start to take things that are really complex, different investment processes that could be really complex and you start to layer them into your portfolio, you start to drive up expenses, you start to drive up something called turnover, which increases your taxes, and you start to drive up your tax and your legal bills, because then people have to figure out what the heck is going on in order to give you advice. So what I've found is that most people, physicians or otherwise would be best served by starting with owning every single company in the entire world. You know, a lot of people just focus on the companies in the United States. And they're like, well, I own a couple stocks or I own, you know, the s&p 500. And when we think about the markets, we always ask like, well, how's the s&p doing? How's the Dow doing? Well, the Dow is only 30 companies, and yes, and s&p only 500. But there's over 12,000 stocks all around the world. And what most people don't realize is that only 44% of the global market cap is in the US. There's actually more stocks available outside of the United States and there's a lot of benefits to holding securities that move differently during different periods of time. So we generally talk to people about international and even emerging markets investments as a way to increase the returns potentially diversify and expose themselves to different areas of the world that might move in different directions in the US.I just want to make sure that we get Tim in the picture here. He keeps leaning back further and further.Relaxing back there. Listening.Great tea. It's Yeah, this is actually really good stuff. Well, let's talk about that real quick. So what do you think about this tea that we've had here?Think I burped three times.Yea it's really good.I quit drinking beer three years ago, and I love the taste of this because it tastes like a beer. Yeah. Yeah, there's not a drop of alcohol in it whatsoever. It's tea with with some hops in there. Thanks to Lovich.Yeah.Introducing this. Boulders finest too. Yea. Straight out of Boulder, Colorado.Yeah. So let me ask you a question. So as somebody who tried So I have my own company Atrantil Atrantil go to lovemytummy.com/spoony still are we doing? We are all right, lovemytummy.com/spoony or go to KBMD for your CBD. So as somebody who is a physician that has tried to raise money for a startup, yeah, I was a little bit shocked. And then when you and I talked a little bit where you said, Yeah, well, physicians tend to do some of the most esoteric investments and not be not actually tend to be patient and do exactly what you're saying, just invest in every company in the entire world. And eventually you will win. Yeah, in the long run. So when I was over there out there trying to raise money and like, this is an opportunity. Yes, it's a startup. But it's in a field, you know, it's a you know, we can sit there and do this and we can grow it. I was absolutely shocked at the conversation that I had most of the time was, I would love to, but I lost 50 grand and an emu farm. I tried to do you know, I lost money in three restaurants and I'm like, What are you doing in the restaurant? By the The time doctors get asked to do investments and stuff like that. I pretty much think the good money is already out. Yeah,yeah. I mean, unless you're like an early mover you have controlling most private investments, the people making the money or the the managers of the private investment i mean if you think about it, right, they've put together a deal. And on average, just take private real estate as an example, you have private real estate investments. There's actually huge public real estate funds and the public real estate funds have way better liquidity. They have the same types of properties. On average, they're better diversified because they have properties across different geographies and different scopes, buying power and they're mark to market so they trade every single day. So you have full liquidity on that. But if you take a private real estate investment, it sounds a lot sexier, like I buy private real estate, and I get 8 to 10% rate of return. But what you don't realize is it's not repriced every single day. It's not liquid, and the people that are managing it are charging you a pretty significant management fee for finding and sourcing these properties and managing them and yes you may get a good rate of return, but why would you expect a different rate of return in a private investment versus a public investment in real estate? It doesn't make any sense to me. So what I found is that our industry, this is not the physicians fault. Our industry has done a good job of manufacturing products that sound really good, that are actually available in a much lower cost more liquid environment, but it's not as sexy. So if you don't really understand exactly how the markets work and how returns are created, and what a fair return is, you can get sucked into these schemes. And these schemes are what keep you locked in your seat having to trade your time for money. So I love entrepreneurialism. I love what you guys are doing here. It's a fantastic product. I take it myself. I think the key is figuring out what lane you want to be in right and how much money is enough like at what point can you say, I can if I produce this amount of income, I can relax and maybe relax to you or any other position or person listening is I want to go out and build more companies. Well, that's great. Well at least now you have a passive income stream that's coming into allow you to do that where you don't feel like you have to put your foot on the gas if you're not really feeling up to it. So I love entrepreneurialism, I think if you're a physician and you're called to continue to build companies and to continue to create jobs and do those things, that's absolutely where you should put your time, your energy and your money, you just want to make sure that you don't get pulled into some type of a scheme that isn't really designed to enrich you. It's designed to enrich someone else.I think, during your lecture, the way you described, that is first achieve stability, then go for growth.Yep. Yeah, you want to you want to figure out a baseline, you want to know, you want to make sure that you're protected. You have a sufficient asset protection in place could be insurance, it could be estate planning, trust, things of those nature. And then it's really like what what's the baseline living expenses for you to be able to be okay, and then after that, you can take, you know, strategic investments and growth and that might be in yourself. It might be in your business, it might be in the markets, it might be in real estate, a lot of it just depends on your preferences as far as how hands on you want to be?Yeah. Let me throw this to Tim. So we, at that same meeting several questions. So the thing I like, let's get back to why I think doctors don't do this, which is the same reason why people come to me. And at times, I'm like, why didn't you come to me sooner? And it's the same thing. It's, I'm, I'm embarrassed. I'm whatever. Like, it's embarrassing to sit down with people. And I'm, I'm technically a highly educated person went to school a long time doesn't mean I'm highly educated. No, it doesn't. I didn't go to i didn't i didn't go to Texas Tech. So I'm already starting lower than everybody else. Yeah, it's not your fault.You were born in Lubbock, but you ran away. I know. So you know, had I had I been gifted to be able to go to Texas Tech. Things would be different. I wouldn't be on the podcast right now.Yeah, you can be the sidekick like me.Tell us toto.So, but it is it is really interesting because what I would I'm embarrassed that I have this, you know, whatever, however many years of education and I I'm gonna say, should I get whole life? What the heck is my wife? Simple things like that, that to you is like no big deal.Well, it is. I mean, it took me years to figure out what was behind the curtain of some of these products that Patrick was talking about earlier. I mean, they there's this incredible sales training to get folks into these products that seem very good for your family, you're protecting your family, you're doing all these great things, but there's all sorts of underlying fees and costs and limitations to access in that money. And so I think a lot of times we we get products pitched at us they sound like they solve a number of problems with one deal so it's great you know, cuz I don't have the time to deal with 15 different things so perfect. This one thing does it all and and then you don't even know really what you're in or why you're in it. 10 years later, you like what happened to this thing? You know, and it's yeah, so it just it's not part of a plan always. It's got to you know, planning has to be part of a plan just like diet does. So yeah. Whether or not you should have whole life term life or universal life. I mean, it really just comes down to what your needs are, how much money do you want to put away, if you've already maxed out all these other areas, maybe you can use some. But it's also a great tool for like estate planning or tax preservation and things like that. Because insurance offers immediate leverage, it kind of buys you time to build up $10 million in assets, you can just buy a policy for $10 million, and you're immediately worth that. Explain that a little bit. Yeah, so insurance offers an incredible benefit. I mean, if if, if you are your life right now, as a physician, you have what I would call a massive human capital. So if we were to look at a pie chart,Look dude, I'm trying to lose some weight. I don't really consider myslef...I'm working on it.I mean, stressed I got several companies.You can can barely fit at the table.You know, I got I got a great solution, but so no, the so your life is part of your investments. And you're a big part of that because you have a human capital, you have a big investment in you and so that's a risk right there. So the rest of your portfolio should be weighted appropriately. Because you don't need to take on a ton of risk because you have a risky profession. And you could have all sorts of liabilities in there. So we look at the whole picture. And if you needed to protect that risk of your human capital, what it's worth call it $10,$20, $30. And you pass away young and you leave your wife and children on the lurch, and they don't have all that future income coming in. You could have solved that problem by buying a life insurance policy and just immediately having a you know, $3 million policy sitting outside or $10 million.The problem is like when you're first coming out of school, and you're really busy, and you're trying to do a million different things, and you get approached by someone who tries to use a product in order as Tim said, to solve your problems and then you get a bad taste in your mouth because you're like, wow, I bought this product that didn't work for me and it's just it's it's not really the physicians fault and it's not really the financial services person's fault. It's the system. The system manufacturers this because you have someone who's really busy a lack of attention, and they believe that everyone else is about is out to help, which is the physician because that's their out to help generally, right. So they project that image on to other industries. And then you have the financial services industry, which is originally created to monetize people's lack of attention, right? So they find people that...Monetize people's lack of attentionThey put a lot of time into these things, like oh, yeah,It's like, I'm busy, you know, give me a product and you're like, okay, yeah, we'll manufacture something for someone who's busy, who doesn't want to do the due diligence and doesn't want to do the hard things, right. The way I think about it is, you know, going to the gym and lifting weights consistently and eating healthy versus getting the steroids shot. To me, products are kind of like the steroids shot. In most cases. It's like, I don't want to do the hard things like have conversations with my wife, I don't want to think about where I'm going to be in 15 or 20 years. I don't really want to think about you know, saving for my kids college just like give me the steroids shot and I'll be on my way and then 10 years later, you didn't step foot in the gym and you're like, man, I'm all kind of chunky and I don't look good. Like, yeah, man, you just took steroids and you didn't go to the gym like, of course, you're going to look bad. But it's it's kind of like, it's an unfortunate situation that that is really transpired between, you know, the medical field and then financial services. But I think we're starting to come full circle. And the reason why is there's a lot of really great financial advisors and wealth managers, and a lot of them are in kind of hiding in secret because there's so many advisors out there that say their financial advisors, but there's a collective group, I would call it about 40,000 around the country that are CFP, use fancy words like fiduciary, you know, and they really take into account everything that's going on in someone's situation. So if you're lucky enough to meet one of those folks, it's usually a little bit later in life after you've kind of had one of those situations where somebody kind of burned you with the product. But at that point, you know, you're able to slow down and create enough space and both of the parties at that point are in a position where they can really help each other.What about for someone who isn't trying to bridge the gap between a high income level such as medical and still knows that they need to seek wealth management or financial management or they happen to be coming right out of school and they haven't even put together anything. How do they find someone to turn to?That's a challenge. Yeah, it's a really great question. There's a couple organizations that I'd recommend people check out. There's one it's called NAPFA. NAPFA.org I believe it's National Association of Financial something. But they're all advisors had been vetted out they're generally fee only they tend to do what is in the best interest of the client. So I'd say that's a really good starting point. But choosing an advisor is kind of like choosing a doctor, right, you know, your bedside manner. That's really important. It's hard to evaluate that through a website, you know, or through credentialing. You know, I feel like trust is a fairly simple equation. You know, I've read it in a book it was a couple years ago, but it's stuck with me. And I think this holds true for any service based profession, but trust is really credibility, plus reliability plus intimacy, divided by self orientation. And if you're a physician and you're only prescribing one, one drug, let's say, you know, you have a very high level of self orientation, because let's say that you get kickbacks for that drug. I know you guys, and this doesn't have it's not common practice and practice at all in your industry. But in our industry, like maybe somebody is maybe somebody only has one or two products, right? So they have a very high level of self orientation, which makes it a lot harder for them to build trust or to sustain trust. So I think it's really taking into account based on your interactions with with that advisor or that doctor, like, are you picking up signs of credibility? Are you picking up signs that these people are going to be reliable? And then also, are they doing a good job of asking you good questions and understanding what drives you and like, you know, how you think and what you want, right and creating that intimate relationship?Well, you bring this up, but it's always like, like everything. It's a two way street. So describe to me, both of you, your ideal client.Yeah, I mean, I think it's... Your ideal partner. Because it's really because at that point, it's no longer a client. We should be partners in this situation.Yeah. And and Tim, you can answer this as well. But I would say from from me and Tim, Tim and I, I think every person is a little bit different in our industry, I really like significance driven people that want to do something be bigger than just provide for themselves. So whether that's their family, where they want to build a business to help others, where they have charitable endeavors, or legacy goals that they want to nurture over time, those type of people light me up because there's more opportunities for advanced planning, there's more opportunities to have discussions about things that are really going to help them and frankly, it's just better for the world, right? There's more humans that we can help if we have bigger vision, so I'm kind of a big vision guy, and then I use financial services as as my vehicle to be able to help folks. So that for me, that's kind of my ideal client, but I know you know, I consult with hundreds of advisors around the country and want to have a similar podcast to this focused on the financial services industry, but every advisors a little bit different, you know, some I talked to and they're like, Hey man, I'm feel really called to serve widows and others are like, you know, I really like people, that are getting close to retirement because I feel like I'm great at retirement income and I can counsel those people, as you know, the markets go up and down. So I think a lot of it just comes down to like, what's your frequency? Like, what what type of people really light you up? And for me, it's kind of that significance driven person.Yeah, I would say very similar in a lot of ways, but it's almost like the law of attraction. If that's such a thing, but where you feel like you're finding other people that are in a similar spot in life, but you can add a lot of value to them just through your knowledge. So I've always kind of looked at the relationship side of things and just going deep with people and kind of hanging in there. And I feel like similar to Pat, like I do this as a mechanism to be able to stay in touch with so many different people and then continue to stay relevant and help them and just win that trust. And it's like the the financial aspects of it and what we make off it, it's, of course, it's there. Of course, you're always thinking like, hey, we have some things we'd like to pay off debt, get a bigger office, all these different things are of course we're human, help the children, you know all those things, but it's very much more about the relationship and seeing those, the trust, build and then helping them and then making a big difference and seeing their accounts doing what they're supposed to do. And there's tax savings in line with what they want to do. And it's just I don't know, it's kind of a anyone that's willing to be open to advice and values that but also sees it as deeper than that. Those are the people I like working with. That's actually how Eric and I started working together. I mean, one of the things one of the bonds that we have is that we're both, well, dude, I mean, we're both really into being dads. And I knew that Eric was really into his children. When I went to his house one time and his son gage was on a unicycle and Mac was juggling. Like these these flame things, they weren't lit yet. And I was like, What are you doing? He's like, in case since he is in the same boat as me, where there's lots of risk and if he dies, the family's dependent on it. He's like, I'm not going to leave my family destitute these kids will learn a circus skill before I get out of here. And that's when I realized we're on the same boat. We're going to take care of our families.We were in the middle of building the spinning knife throwing wheels.That's amazing. It is amazing. Thanks, Tim. Because what we do our side hustle as a family is circus acts. And it is awesome thanks. So anyway.But that just shows it's similar things. So now this is why I thought we could have you guys on you don't have to do that anymore. You can actually get insurance.Yeah,To help with that. And we lost we lost a couple...And now you have to admit to being psychotic.You have to but and we got a cousin that lost a few digits last week. But other than that, it's okay.Well, go ahead.Well, the other really thing, the thing that you talked about in your lecture, the other really thing that's good, that's good English.Solid grammar. SolidThe other thing that really impressed me with your lecture was the fact that you when you with clients a lot of times the spouse is not involved. And you know we already discussed that financial issues can be a real stressor on on spouses and and I was thinking about that this morning I went to an article on investapedia where spouses don't just the six things that are not discussed that you should discuss with your wealth manager mine yours ours Have you actually discuss what is what actual debt didn't even dawn on me that like people hide debt and then get married. And it's like, surprise, there it is. Yeah. personality type saver versus spender power play children. Do you know that it costs $233,610 to raise a child right now to the age of 18? That's a bargain.Yeah, that doesn't sound anywhere close.I was like, I think I spent 233,000 on tennis trips last year. No, I did not. That's been sarcastic.They start making bad decisions and it can get even worse.Oh, my gosh.It doesn't say after 18 what that cost is.Well alright. Alright. You caught me Patrick. I bet on my kid and I lose a lot. So yeah, you're right. Yeah. But it's funny. And then the thing that really hit me on this is the extended family. So at my age, I'm in this sort of sandwich situation where I've got my mother and my father's passed away. My father in law passed away. I've got my mother in law, and I've got my kids and you start looking at this and you're like, Oh, this is you starting to feel a little bit. Yeah, for sure. And this is gets thrown into your guys's laps. And so I was very impressed when you said now you got to sit down and just wow, talking about being vulnerable. Yeah. Saying look, this is everything I have going on right now.Yeah, it's crazy. I mean, Tim, do you want to take that? I mean, I feel like you've done a great job with a lot of that.It's huge. I mean, I think pulling we really don't move forward in a planning relationship unless the wife is on board or the significant other and that matter, so we just make sure of that because even when you got the hard charging entrepreneur type that we're working with, and there's they think in their mind like no, no, my spouse doesn't want anything to do with this and, and guys and girls, I mean, it's sometimes the women driving it, sometimes the guy driving it and their spouse is either taken to hear the kids hanging out, doing other things. They just don't want to be involved. But then you get the spouse talking, and you start finding out all sorts of stuff. They just help their mom who went through hospice, she had Alzheimer's, she was alive 17 years with Alzheimer's, it was this long drawn out, you know, event that they had to take care of. So she's got a whole different set of priorities and fears and thoughts about money. And the other person, the other spouse might not even be thinking that. They're just so focused on on doing what they're supposed to be doing that they lose, you know, they forget to pull them in. And so it's important to make sure everyone's on the same page. And then it's a real holistic plan. And then that way, you're making sure that everything's covered and that they have legacy they have charities they want to give to and you're making sure that the spouse is pulled in on that. So good piece. Yeah, I mean, the biggest thing is making sure that your accounting for both sides of that that sandwich, right? You know, it's easy to not think about the future and just live in the present and not realize what's eventually going to happen. And it's like, we've had a lot of issues where, you know, we've encountered people too late in the cycle, and they're like, Oh, my parents are moving in with me. And we're like, Okay, well, I mean, based on the projections, I don't think there's a whole lot you're going to be able to do if you want to actually provide care for them, it's going to have to be you because they didn't make the decision early enough on in their life to get something and protect themIs that a really common thing that you're seeing? I meanIt's starting to become a little more and more.Yeah cuz people are just living longer at this point. And part of the challenge is long term care is not a product that people want to buy, you know, it's not like, again, it's not a sexy product.You don't think about someone's like pulling you out of bed.I could never lose one of my five you know, core abilities right.We hear guys say it all the time. Oh, my long term care plan is a boat without an anchor or something. And I'm like, what? And you know, it's just a very bad idea of what it is.Well it just sounds dangerous and silly. It does sound dangerous for anyone.That's not to go off on a tangent but that is something that I'm very interested in because when we discuss lifespan versus health span Mortality verse morbidity. Yeah, so when you're sitting there talking about these kind of things so as a as a physician what we're trying to do right now is for myself, I'm like when I think about me working out and stuff I think about my my personal trainer is my 80 year old self saying don't do that. That that that looks stupid. Don't do that.No more no more back squats. You're done. No, yeah,Well, I pretty much tell my trainer to you know, beat it. I'm gonna try it anyways. This guy next to me just did and I'm sure I can do it.Load it up, six plates.So but it is interesting because right now I'm viewing everything as well. I need to be healthy when I don't want to be in a situation. My my whole our whole message is brain gut. You have to I believe that health begins and ends in the gut and I believe that it affects the brain and we have an epidemic of dementia and Alzheimer's happening. So we're having this situation where a lot of people are losing their capabilities. So even if you wanted to have a long boat ride without an anchor, you forgot it. Yeah, yeah, it's no longer in the boat and you don't even probably own the boat. Someone stole it, because you left the keys out, ya know, like, it's, yeah, we're seeing that a lot more frequently, as you guys probably have noticed an uptick in a lot of what's called inflammation related diseases, and those come into your brain. And then before you know, it's an epidemic, and that epidemic is going to work its way into the financial side. And we're starting to see the outcomes of that now. There's the link. That is fascinating. That is exactly because if I can help prevent some of that it can help some of your clients down the road. Oh, absolutely. Yeah. I mean, we used to do, part of our company was helping people with Medicare and it was crazy like the people that would come in that lived in more, let's call them like rural areas where they didn't have good access to food they didn't have good access to you know, good information around diet, their reaction time and their ability to process information and just how they could retain information, even in their mid 60s blew me away compared to other areas that were a little bit more affluent where, you know, they had access to food and that type of information. I mean, those people were, you know, whip smart, and they were able to, you know, have dialogues and remember what we talked about I was I think it's going to be a really big problem and it is now I think it's gonna get worse.An article just came out today, Bill and Melinda Gates are investing in a company to do micro encapsulation of nutrients they can actually get through in a be absorbed, so they can just sprinkle it as a powder in third world countries to try and help with these sort of micronutrient deficiencies. That when I see when I see stuff like that, when you guys are dealing with people, when you say, you know what would be really cool is to work with clients that can leave a legacy. That's pretty cool.Yeah. Being Bill Gates is probably pretty cool, too.Yeah. It's his... Bill, if you're listening we're open for business.Yeah. Like or subscribe or both.Yeah, yeah, it is a big epidemic that's coming I think... Melinda, I'm gonna give them a thumbs up. Are we cool with this? Yeah,It's tough too with the one last thing on care the care part of the plan most financial plans don't even think about that, you know, they're thinking so much about right now they're thinking about paying off debt and they're not looking at your family's your mom and dad or your mom down the road and how you're...The interesting thing is like, you would think our industry would be proactive in solving their own financial challenges, right? You think if you're a financial advisor, I'm sure you have your estate planning done. I'm sure you have all of your insurances in line, I'm sure you do proper tax planning, you know, got your investment portfolio property allocated for my, you know, work andYou didn't say Elvis collector plates, which is what 70% of my portfolios andWell, I mean, you're a great investor. So, you know, we can discuss that later. But you think that financial advisors would be the probably the first one on the list to get their financial house in order, but it's interesting how many Don't Oh, I've been on the consulting side, prior to starting my own firm and just having conversations with these folks and kind of looking through some of the, you know, the numbers and things in their own practice, it's, it's alarming how many people really don't do their own proactive financial planning, even if they're a financial planner, wealth manager. So I think it's, you know, if you're feeling any apprehension to like coming in and having those discussions, I mean, you're really not the only person. Like, it's pretty common.I just realized that we share a common spot here, which isbuy health insurance, or prepare for the future. A lot of people have to make this choice.Yeah. Now it's a good point.And I didn't even I didn't even think about that, that my parents generation did not really prepare for the future. And it's not their fault. They were post World War or my dad was post Korean War. And I don't know it was just they didn't really plan and soyeah, Yeah, I mean, Social Security's. I mean, a lot of folks are just retiring. And all they have is Social Security and Medicare. And I mean, it's medical expenses are through the roof, I don't need to tell you guys this, so I'm curious to see how we were able to address this problem, I think there needs to be a big change and, you know, outcomes for folks on the health side, because the health really drives your ability to either create or preserve wealth. And the worse off the average American is from a health standpoint, the more they're going to take from the system. And I just see that number keep going up and up and up. So hopefully, you guys can do good work and solve some problems. That's fascinating. I think that doctors and wealth managers need to be teaming up more and figuring out how, and be much more much more transparent about every Absolutely. Because even the way billing and all those things, there's so many things we can do now that are much more better outcomes and better for the client. The one other last thing about our parents generation, it's really tough about it all is that they were also conditioned to be very closed. Not every one of them but man. It's really really hard to talk to like, a dad or a mom sometimes and they don't always tell the children what they what they're doing with the money and you try to help them or different things. It's a, they're not super transparent. I don't know what it is, but it's a little tough.I think each generation has their own challenges. I think, you know, the silent generation is just like very close to the vest, you're not getting any information from that generation, the baby boomers, it's kind of hit or miss, you know, some of them done a great job with planning and others, you know, not so much. I think our generation like the Gen X, Y, I would say Gen X is the type that is reluctant to ask for advice, because they want to seem, you know, like they're an expert. You know?Gen X is?Gen X is, I don't know the exact age cuts, but I would say probably like 37 to 50. So early 50s. You know, and and this is really just kind of a heuristic. And this isn't like actual science or anything but just my observation interacting with folks. And then I would say Gen Y is done a terrible job of just saving in general. You know, like, it's more about living in the moment and travel and those types of...Gen Y is?20...late to mid twenties.So this is, so it's Gen Y millennial... Millennial. Yeah, Gen X is I think, a Gen X. But I think each generation presents with their own set of challenges that need to be worked through. And that's what I've learned over time as, as people walk in, and we have conversations with them, probably similar to you guys, when you meet with patients, you kind of know, generally what to expect and how to open up the dialogue and how to have questions to help them understand kind of the value of, you know, either good eating habits or good, you know, saving habits, depending on kind of the context that you're meeting them.You addressed a little bit Patrick and Tim, what it's like to have someone who now has a parent whose outliving  or outliving the coverage that they thought they were going to live. So we're talking about the health span versus lifespan situation and whether or not as you referenced they're going to move back home. What about the way that things have changed in terms of inflation specific to people as they plan for college now, probably over the last 15 years, and we've seen reports probably over the Last 10 where more and more people at the age of 18 don't tend to move out of the home. So, in other words, how do people retro actively kind of back plan by coming and talking to you on how they can readjust finances, because oftentimes the pride kind of plays into it. They're like, I don't want to look like I didn't plan for this. But the truth is, it's okay to say, I didn't plan for this. Help me get out of this. How do you approach someone like that?So just so I'm clear and clarifying. It's someone who hasn't adequately planned for some of these expenses, and then they're coming in and how do we kind of help them get through?Yeah, the environment changed to where whereas when, whenever I graduated was, whether you're going to go to college or service or just going to go and start your own business at 18. You're leaving, and over the last 15 years, more and more people graduate. They they stay at home. It's very expensive. The rate of inflation both for collegiate education is completely changed. I mean, my most expensive year or semester was 1500 dollars. Yeah. And that's obviously not going to happen anymore.I mean, I think it starts with just an acknowledgement that it's a trade off, right. So you there's only so much money to go around. And you need to rank your priorities. And if you have people living in your home, and that's taking away money that you could be putting towards your retirement. I mean, basically, what you're saying is that right now supporting your kids and making sure that those types of expenses are met outranks the priority of saving for retirement and other goals that you may have in the future. But it starts with an honest conversation about what are your priorities, and it is someone else, whether you love them or not, are they hijacking the vision that you have for your life? And are you okay with that? And I think that's really the first step. It's not really like, did you make good decisions or could you make better decisions, it's more, you know, here's where we're at, and it's not for good or for bad. This is a situation that we're in. Let's figure out what we want. If we can figure out what we want, then we can figure out the best path forward. And I think to add on to that, for people that are starting to have kids or maybe have young kids and you know, at some point they may be sending their kids off to college, should they put money in a savings plan for that, should they not? I think a lot of it just comes down to, you know, just being intentional about what you're you want. And then also, you know, what your, your kids may want too because I think that college will eventually decrease in cost. I think there's going to be, you know, opportunities for people to learn skills, and the workplace is rapidly changing. It's getting more competitive, in general to do business. So I think people are just going to be expected to have more skill sets in college right now the structure of it doesn't really lend itself to that. So I think we're going to see more dynamic learning environment, which should cut costs and be on average better for folks around the country.It's funny when you said to be saving that my I joked about tennis, but I do have a really big tennis family and I remember my son was 8 years old, and they brought in this consultant from England to talk about growth and adolescence. And somebody actually asked of the kids that you coach, how many of them went on to get a full ride scholarship? These are eight year olds. She lost it. She goes, here's a great idea. All the money you're doing spending on traveling all the money you're doing spending on private lessons, everything. Why don't you just put it into a college fund? There you go. And I just went, oh my god. Yeah, that's right their eight and they're asking you about college scholarships. Holy cow. We are. I mean, completely misguided here. So..Especially with the college system today in a lot of ways it's pretty broken. I mean, you definitely don't learn anything about real finance. You don't learn how to balance your budget. You don't learn about the tax code. You know?What if you happen to make it all the way through be a star athlete in football and get paid tons of money if you don't have a financial plan? Someone straight out of Austin, not that long ago, was a national champion quarterback has nothing to show for it and netted over 20 something million dollars?Yeah, I would say most athletes are just the deck is stacked because they have such a short career span, and you get that rapid rise. And they don't get good advice because the people giving them advice are the agents and it's a very kind of... It's an industry loan, you're loaning it for 5,7,10 year contract. Just the way that it's structured.And then it pays it back to the contract owner.It goes back to exactly what Patrick said, you have to be intentional. You have to be intentional with what you want to do. So if you want your kids to go to school, do something intentional and save for it. If you're going to make it all the way up, be intentional with this nice, this nice cash sum that you have it because it's not going to last forever. And there's no guarantee that even if your kids good enough that they're even going to want to play that sport when they get to school.Yeah, totally. You know, being intentional because we're talking we jumped right in and just started talking about all the stuff that we want to be excited about which is health and finances and stuff. But the reality is, how in the world did you guys meet? How did you form Surepath. Let's let's get into the stories now. I mean, clearly you guys, clearly you guys know what you're doing clearly you have the best intention of your of your partners, your clients. Now I want to know how this thing even came about how you built this.I mean, I I'm from Boston, Pat's from Philly area, and I moved down to Texas in 2013 2014. And so I had had a practice up in Boston and my family was that ended up down here in Austin. And so I was going back and forth just to service those clients. And there was an incredible time I was able to stay with some great families, and Finny Kuruvilla and a bunch of people like that who I only bring up because he's disrupting education right now with Sattler College. Their tuitions five grand a year and it's a fully accredited college Finny's a doctor and everything went to Harvard and MIT. But anyway, so I got to meet a lot of amazing people build some incredible community and things. But during that time, when I would come back to Austin for a few weeks, had a lot of downtime. I was going through a lot of family transition and things like that. So I started volunteering at a prison. And every Tuesday morning for about two years, I would go down there. And, and it was like towards about 18 months in. One of the lead guys in the prison ministries wife was a big financial advisor in town, and she wanted to talk about working together. And I'm like, that'd be great kind of having my practice here. And so let's talk. So, another new volunteer overheard us talking in prison, and they were walking into the actual prison to meet the men in there that we would meet with every week. And the new guys like, Hey, I heard you talking in the lobby, like what do you do? And I'm like, I don't really network at prison, but I will tell you, I do a little finance and things And then I walked up in a jumpsuit.That makes total sense why you guys felt comfortable stopping with me while I was holding the sign.If we can get this guy 10%.But anyway, long story short, he said, you ought to meet my partner. We do some Medicare things and he's a great guy. He's a CFA and a CPA and I'm like, Medicare CFA CPA. Interesting. So yeah, I'll meet I'll absolutely meet with him. So the next day I went and got a haircut and met with Pat and we just really hit it off. We were at Whole Foods in Austin it's about a coming up on February's of 2016 is when we did that.Did they give you a release?A temporary release, I had to wear one of those weird anklets. And I have like a guy following me.But yeah, so we met there. And then I think really just Pat was unwinding some other companies. He just moved back to Austin. He was doing some stuff back and forth in California another wealth management firm. And where I was at in life where he was at, like we started sharing some clients and ideas and before you know it, he's like, hey, man, here, the new business cards, website, everything like whoa, man, okay, this is awesome. And I didn't realize that he was as hard charging and together as he was, I mean, I knew he was but it was pretty impressive to see what he had already built out. So I left my other practice and full time we started Surepath. That was July 1 of 2016. And so that's how we met just a lot of good similarities in life. He's a bit nine years younger than me or so but about 20 years smarter than me. So it's a really good partnership.But that didn't prevent y'all from sharing some toilet wines. So that's pretty sweet.True. So that's, that's my side. You might have a couple of little details in there. But I think that's... Yeah, I mean, I think that's a great summary. I would say that, you know, what attracted us together I think, was just the the different skill sets. So Tim is like, great at meeting like if you're, if if you're a physician, and you go and meet someone, and if let's say Tim was a physician, and he would walk into the room, he would, every person would like him, like, in like two seconds, they go, Oh my god, I love my doctor. He's great. So Tim is great at building trust very quickly. On the relational side. I am more strategic and analytical. So I like to focus more on the practice and making sure that we're, you know, structuring everything correctly with like taxes and investments and financial planning and just better controlling the outcomes for folks and doing everything we can to deliver on our promise which is to help them reach the goals. So it's just a great combination where you know, I would, I get drained if I have to be in front of people like 10 hours a day, but Tim will be in front of people for 12 hours a day and then he'll go talk to a fence post for another 6.I'm sorry! I'm aware of that but it's just a...Alright seven seven hours.You want me to pull the splinters out or what? I gotta go talk to this dandelion.You're really going out with that guy? yeah, yeah he's a good dude. Okay, so great story about Tim is when the last time we were all together we're listening to live music. Remember, Tim took off to go to a friend's wedding up in Boston.Which shows which which in itself just shows total loyalty. which is...Total loyalty to your friends because you left that morning to go yeah, what's up Matthew don't know you. But I know this guy loves you. Because he left early in the morning from Salt Lake and then suddenly, he appears late night while we're listening to Christian Mills bands, right? Yep. And then... They're doing a Stones cover I think yea,Yea Tim rolls up with his with his beanie on and then... It was cold that night. It was snowing.Well wait, let's let's go ahead and paint the picture a little bit better. It's on the top of a mountain.Yes. Very top of the mountain. I could barely breathe.Yeah, high altitude sickness potential And much like Ron Burgundy here comes. But it was also kind of set up in a way that the top of the mountain had like different camps so if you want to be down at the campfire if you want to be at the live music, so I was kind of hanging out at the live music for most of the night. And then I just heard it as I was walking by it was loud. I mean, you can hear the on top of the mountain but it was yes. And then I'll stop talking.You know what, I'm gonna disagree with that because basically I saw your Uber barely make it up to the top mountain. Then you jumped out you're like I told you to wait till I got here.You pulled your your harmonica out of your sleeve and... You did jam though. Do you have your harmonica on you?You know I left it in the car.Can you go get it? Yeah. While we're sitting here talking a little bit. Just keep the mic on you're good.Yeah.Even if it's turned on?Don't go pee or anything and pull a Naked Gun move.ooh?I got you muted until you get back.All right, while we're sitting here waiting, let's talk personal stuff like, what's what's going on like the wife married?Yep, married. My wife is Brazilian. So we met about 10 years ago. She is a you know, she she was a crazy story. I wish she was here to tell it. But she, she started as a babysitter. She flew over from Brazil was going to school here. So she's an Au Pair program. And I grew up in Philadelphia, you know, we all look the same and Philly, like, you know, and then I'm out for my 23rd birthday. And I'm like, well, I had a couple drinks. So you know, a little bit stronger than hop tea. I look arond and go, you look a lot different than everybody else. So I walk up to her and you know, 23 years old and I'm like, Hey, how's it going? And she's like, couldn't speak English at that time. So, you know, I'm trying to talk to her and she's like, I can't speak English. And I'm like, that's okay.Did you ask her can you not speak English? Or am I just really drunk?Yeah, I think it was a combination.But no she really couldn't speak at that point. And I was like, Hey, can I get your number? Like, can I get you a drink? And she's like, No, she totally shut me down. I'm like, all right, well, I'm going to go then. So I accidentally, coincidentally rather ran into her three months later, at another place like 45 minutes away, and she recognized me at that point. And she could speak so that's that was the beginning of our relationships. So and she went from that to being like the head of sales for a tech startup in in Austin. So she covers like all of Latin America and is always like kind of in the air and manages a team of sales professionals and blows me out of the water.Next time she goes to Cabo man, that'd be a great trip for you guys but...Every time she posts on LinkedIn, like I do a lot of social media stuff like of a podcast and videos or I may  post something I get like 12 likes, my wife posts one thing 274 likes, like what, how do I how do I capture some of this start. She's a great woman.Awesome. Awesome person. No she's she's fantastic. No kids yet so we're planning on that soon. And I live in Austin, Texas. So I've been there for ever since I moved from Philadelphia really sitting there for about 10 years. How do you guys like Austin? We love it. Yeah, not probably not going to move, honestly. I mean, it's one of the one of the things like we're in an industry and wealth management, wealth management industry where I feel like it's important to be part of the community and like, have a physical presence so that we can actually meet with folks. So I do believe that being in Austin is important for our business, but I also really just like it, you know, it's a great, great city.I saw the other show are you guys actually in Georgetown. Is that where your physical office is?We have a Roundrock location we're actually getting hopefully a new office here. Like this week or next week. We're potentially moving spaces down towards downtown so we have a couple satellite offices and you know, but we're getting the main hub which will be fun.Yea it's a nice place. You'll have to come down. We're hoping to have a nice little setup like this.That's awesome. Hey, what was the song that you played?Oh, it was a was a Rolling Stone song and truth be told I don't play harmonica regularly. I just happened to have it in that bag because when we were in Croatia, the acoustic guy in Croatia was playing a lot of really pretty songs and I was like, man, I wish I brought my harmonica because I know I didn't bring mine too so I said I'll bring mine to the next event. So I had it with me and I didn't know if he was gonna be playing it was Christian Mills and it was the other guy with the longer hair... You weren't there you were in Croatia so that's why I brought it so I just had it on me for that reason. Where did you get the tombstone style hidden gun thing where do like a little spring loaded thing?Did I do that you know when I pulled it out? Yeah. Yeah. You know, well, I was talking to Christian you know, as musician speak you just kind of ,I'm not really a big musician, but I was looking at him I was like, I held up my harmonica and I just pulled it out and then when I went up there...you know if you play that we can't, we won't be able to layer it on YouTube.Oh, that's right. You can't just play other people's I was gonna I was gonna play the same song. And let you kind of rock on with it.It was the Stones? What was what song was it? It was a I forget the name of it...It wasn't give me shelter.No, it was.Are you able to do that?Yeah, inverted yield curve?  That will probably be you. Yeah.Well, I was just gonna say what I want to do is hear a little I want to hear a little harmonica. And one of the neat things that we have here in the studio is we've got a whiteboard and I want to ask, I just want to draw out something that is typically kind of hard for somebody some, I'm just a simple country, butt Dr. from Texas. And so I if I could see it on a whiteboard. And one of the things one of the things you were talking about during your lecture was this inverted yield thing and I was like, I don't know what that is but...I'll give a little intro for the inverted yeild curve.So let me go ahead and set that up.This things kind of a little old so...Some set up music here by Mr. Tim Power. Oh there's no reason to stop we're just now pulling the curtain back. There was nothing wrong with that at all.If the music's playing I can jump in I play a lot better just on my own it's a little harmonica is a little insolated.That harmonica means the whiteboard is coming out.Maybe it was a little higher up than i thought. The air was a little thin and all of us were like...Well with the band like the Christian Mills it was it was just a no brainer so I knew I could get up there and just play anything and it would sound okay.Well I'm gonna throw it to either guy but it's kind of interesting because inverted yield. I was trying to talk to.Pretty weird right?  It is super weird. So we got some markers here. I'm going to bring you a camera. Tim you can narrate while you draw and then Pat, wait I'm sorry, Pat, you can narrate Patrick.So Tim if you want to narrate or who's gonna draw? Yeah whatever.You just move your chair.I get the cordless mic. Sure. The director's chair.The director's chair.And I might move that a little too. First time we're trying to move. There we go.You get that okay? Good enough? Good enough. Alright.We're gonna do a whole little lecture on inverted yield and why this is important to understand that so that as we're looking at investments, You can just draw kind of a vertical horizontal guy. And so you're going to do Time, time over here, interest over there. Yeah. So time.Time is going to be on his x axis, and the interest is going to be on the Y the vertical.So generally, just to kind of set the stage here, because this is actually a fairly complicated topic these guys gave us absolutely no heads up on the inverted yeild card. But usually what you would expect as you go out over time that you would be compensated by increased rates. So for example, let's say a bank was going to lend you money and they were going to lend you for, you know, 15 years, right versus a year. Imagine, actually, let me back up. So imagine you were gonna to lend someone money and and you could lend them an amount of let's call it $100,000 for a year, or you could lend them $100,000 for 15 years. Imagine why would so why would you ever lend them $100,000 for 15 years, if you got a lower rate of interest, then if you could lend for one year, right? So the weird thing about an inverted yield curve is it's exactly that. You can lend in the short term for higher rates than you can lend in the long term. So if you think about it, from an investor's perspective, there's really no reason to take any risk. There's no reason to go out and lend for 10,15,20,30 years out on the x axis, because you're not compensated for doing that risk and return are generally related. So what you would expect is if you're going to lock up your capital, and you're going to land for 5,10,15,20 years, and you're not going to see that back for 5,10,15,20 years, you're going to want a higher interest rate. Well what happens with an inverted yield curve is you actually get a lower interest rate, which is counterintuitive. So it's the market generally signaling that interest rates are expected to fall in the future.So where where does that signal come from? This is where I'm confused.So the way that markets price interest rates are securities, it's kind of there's a number of factors, right? So there's supply and demand. There's people coming to the market and saying, I want to lend and I'm, I'm willing to lend and other people saying I want to borrow, right. So part of that is going to drive the interest rate. So supply and demand. The other thing is market forces, right? So you got things like quantitative easing, and have happened, you've got, you know, just fluctuations in, you know, how how liquid capital is, and how available it is money supply. So there's a lot of factors that could potentially go into the shapes of the yeild curve. But there's really no explanation that is 100% accurate to say how the yield curve is going to shift or change. It's very, very hard to predict changes in the yield curve. So really the only thing that you can do is act based on the information that's available to you. And what this yield curve that Tim has so beautifully drawn up here tells me as an investment manager is, I'm not going to take turns, it's called term risk. There's really no reason for me to go out and take term risk, because I'm not compensated for it. I'm not willing to lend for 10 years for 1%. I'd rather lend for 10 years 1% I'd rather lend for one year and maybe get three to four. Right? There's, there's no reason for me to take that bet. And the interesting thing is, yeild curves, if you look at the data, they can also have some predictive power as far as how financial markets are going to go. This is a this is a, a bad sign, gen

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Tracklist:01. Skolar & GALLUS – Creed (Extended Mix) [Fated Records]02. Theis EZ – Culmination (Original Mix)03. Tyron Hapi Ft. Bianca – Fireflies (Original Mix)04. Timmy Trumpet & JETFIRE ft Rage – Flamenco [Dharma]05. Danny Avila – BRAH (Original Mix) [Spinnin]06. Mike L – Number One (Original Mix) [Nelation Music]07. Treyy G & TwinRush Ft. K Gifted – Kazara (Original Mix)08. Andwell – Celtic Man (Original Mix)09. KBN & NoOne – Like That (Original Mix)10. Will Sparks – The March (Original Mix) [Bourne]11. ASCO – Baccano (Extended Mix) [DOORN]12. Mojos & Helion – Dushara (Original Mix)13. RudeLies & Jonth – Never Right (Original Mix)14. LVKAZ – Roll (Original Mix)15. Y-RED – Friends (Original Mix)16. Jordan Jay – Treat You Right (Extended Mix)17. Dannic & Teamworx – NRG (Extended Mix) [Fonk]18. LUM!X – Bounce United 700K [Nelation Music] See acast.com/privacy for privacy and opt-out information.

GUEST: AARON DURAN. Today we are joined by the fantastic Mr. Aaron Duran of Geek In The City and the Author of The Forgotten Tyrs Book 1 and....well you'll have to listen to find out! Also, Sarah worked an Eastern European wedding, Greg has neighbor updates an we debut a new segment called #LameConfessions. 

COME DANZ with DJ M 47 DJAYM CASA ES SU CASA 01) GUALTIERO – Nalgada (DJAYM Edit) 02) MIA – Paper Planes (MIME Remix) 03) The Prodigy, Devochka – Out Of Space (DJAYM Bootleg Re-Edition) 04) DEEP PURPLE – Smoke on The Water (DJAYM Mash up) 05) D4rkox – Let's Go (Original Mix)(Edit) 06) Katy Perry – Rise (DJAYM Extended Anthem Mix) 07) Gataplex – Dance Forever (DJAYM Beat ReWork) 08) Jon Warg – Once Upon A Time (Original Mix) 09) TNAN – Mine (Original Mix) 10) Ysquar3 – Never stop(Original Mix) 11) Nova & Galardo – It's Not Over (Radio Edit) 12) Lou Van – Living In The Moment (Jako Diaz Dark Mix) 13) Andwell – Yeah Yeah (Andwell Remix) 14) Javi Reina, Roberto Sansixto – Samba (Original mix) 15) Martin Garrix & Bebe Rexha – In The Name Of Love (DJAYM Samba Sensation) Welcome to my house, Come Danz with DJ M 47 (DJAYM Casa es Su Casa). These selections remind me how I started as a DJ, the groove, styles, kick beat, melodic, all included with happy intention. The lyrics and song names of my albums always suggest a story to me. With this selection of songs I am sharing with you a story of hope, cheerfulness and love. DJAYM's Podcast www.djaym.com