Podcast appearances and mentions of john have

Peter rebukes Jesus for speaking about what the Messiah must suffer, which doesn't go well for him. Death to self is the only way to live forever. And Jesus is transfigured and joined by Moses and Elijah in front of Peter, James, and John Have a listen. Show Notes: ·      HWSS NWA Support 1517 Podcast Network 1517 Podcasts 1517 on Youtube 1517 Podcast Network on Apple Podcasts 1517 Events Schedule 1517 Academy - Free Theological Education  What's New from 1517: Junk Drawer Jesus By Matt Popovits Listen to 1517 Executive Director Scott Keith and Magnus Persson on the latest Re:Formera podcast Signup For Free Advent Church Resources for 2024 Clothed with Christ by Brian William Thomas The Inklings: Apostles and Apologists of the Imagination with Sam Schuldheisz  More from the hosts: Daniel Emery Price Erick Sorenson

This week, a video surfaced where well-respected pastor Alistair Begg had advised that it was acceptable for a Christian to attend a transgender/gay wedding, and also to specifically buy a gift. This caused everything from head scratching to a furor online. Open letters were written and published. Begg is even trending on Twitter(X). In this podcast I recount what happened, show there are a couple other issues with Begg's stances, perhaps at this point creating a pattern of a lack of discernment? I also include lots of resources. Read and see what you think. Is this the beginning of the end for Begg? Or just a misstep to be corrected? Links mentioned Begg's interview by Bob Lepine at Truth for Life, promoting Begg's new book, The Christian Manifesto, the thing that started it all. Begg preaching that it is OK for women to preach on a Sunday. sermon "Christian Women" slide to 30:00. What Does 2 John Have to Teach Us about Partnering with False Teachers? 9Marks- John Piper's answer: more here John MacArthur's answer: more here Kevin DeYoung's answer at Ligonier: More here Owen Strachan's Open Letter to Begg: here Heart Head Hand blog What letter would you write to a gay son? Music attribution Track New York Music by https://www.fiftysounds.com Track London Music by https://www.fiftysounds.com

In this episode Nancy is joined by John. John is in his fifties, lives in the United Kingdom and has recently reported incidents of sibling sexual abuse to the police where he lives. John is in the legal process so his voice and name has been altered to protect his anonymity.   In this episode: Contacting the local police Off to a bad start but seeing progress The family dynamic growing up What happens if I speak out? The signs of abuse Having a safe space The next steps for John     Have you registered for the #SiblingsToo Day event yet? What Every Parent Needs To Know About Sibling Sexual Abuse is on Saturday, 15 April 2023, across the globe  www.SiblingsToo.com/events   Would you like to support the #SiblingsToo Podcast --> buymeacoffee.com/siblingstoo

Even if you have a solid financial plan in place, things can quickly get out of tune if you don't make adjustments from time to time. Let's talk about some of the areas where we often see people get out of tune in their financial plan. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. Transcript of Today's Show: For a full transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/ ----more---- Speaker 1: Hey, everybody. Welcome into another edition of the podcast. Thanks for hanging out with John and Nick and myself as we're going to talk about Retirement Planning Redefined once again. This week, we are going to chat about getting in tune. No, not instruments, and we're not going to sing, because that might be bad, but we're going to talk about getting our retirement plans into tune, especially because we all want to have that good solid piece in there that we know we're going to be comfortable and happy and get the things we need out of it, but we also can drift off from time to time. So, we want to pull those back in, get the reins if you will. So, that's going to be our topic this week is getting in tune. What's going on guys? What's shaking? How you doing? John: All good. Nick: Staying busy. Speaker 1: Yeah, staying busy. How's the dog? I know you got that dog that's really old. Is she doing okay? Nick: Depending upon your definition of okay, she's doing great. Speaker 1: Well, good. Nick: Yeah, she definitely keeps me on my toes. I think she had to go out five times before 11:30 today, so that was fun. Speaker 1: Holy cow. Nick: Yeah. Speaker 1: My mine's 15 and she's going deaf and going partly blind, but she's still okay in that department. How's yours doing? Is she having some hearing or vision? Nick: Oh yeah. No, she can't hear and her vision is not great, and so it's fun stuff. I'm on the third floor of my building, so I carry her down every time to go out. She's not a big dog, so it's easy, but- Speaker 1: It's cute and it's sad sometimes that she's losing her hearing. I'll be calling for her and she can't figure out exactly where it's coming from, because she's not completely deaf. So, she looks around in different angles and I'm like, 'I'm right next to you, you ding dong.' Nick: Oh yeah, I know that look well. Speaker 1: Pretty funny stuff. John, what's going on with you buddy? I know you don't have these exciting dog stories, but what's happening? John: Not too much. Just staying busy and I think as you're aware, becoming a school parent, so that's fun and then started my little one in gymnastics, so I have to head there tonight. Speaker 1: Oh, nice. Yeah. You're getting to that phase now where you got hobbies and activities all the time, right? John: Yeah, play dates are starting to get formed now. I pick her up from school and it's like, "Hey, I want to do a play date with my friend." It's like, "All right." Speaker 1: Yep, go, go, go. That's all right, hey, at least we're getting back to some of that stuff. So kids and stuff. I mean, everybody needs interaction, so it's good that we're here getting some of that stuff going on. Getting our life back in tune, so to speak. That'll be my segue back into the topic here. So, let's talk about how to get our financial plans or our retirement plan back in tune in case we've got out. We talked a couple weeks ago guys, and we're waiting to see what the fine details are going to be, we'll probably do a podcast on it, but tax considerations, future tax considerations. Speaker 1: A lot of the stuff that's right now at the time we're taping this that's before the house, it may go through, there's quite a bit to the corporate tax change, there is bumping up. They're trying to make it sound like it's all going to be for the higher net worth folks, but $400,000, $500,000 is not that hard to get to for some of these things. So depending on where you're at, tax considerations needs to be on everybody's radar no matter what you're making. Nick: Yeah, tax considerations are definitely something that we try to focus on with clients. I think in our minds, the number one, the rule of thumb when it comes to tax considerations in regards to investments and retirement accounts is to have options. So, what we mean by that is not only a diversification in the types of investments, underlying investments that you have, but also in the types of accounts that you have. Nick: You want to have accounts are going to be tax free down the road, accounts that will be taxed down the road and then maybe some accounts that are subject to income or capital gains taxes versus just ordinary income. So, the having options, building a personal moat and being able to have the ability to adapt and adjust, I think and staying nimble is the number one priority when it comes to planning. Speaker 1: Having a personal moat, I like that. John, you've been getting so much rain, you might have your own moat, right? John: Yeah, that's funny. I do feel like it's been raining every day. It's just new house, it's like we have this big yard and I walk back there and it's constantly soaked and the pool's always overflowing. So yes, I do have a personal moat keeping Nick out. Speaker 1: Nice, I like that. Okay, so tax considerations. Again, lots of things happening there, so that could even be changing and that's why it's definitely important to make sure. It's always important really, no matter what time we're in, but I mean certainly when we get to retirement, tax considerations and what we're paying is a big deal. So it's not what you make, it's what you keep, all that stuff. Speaker 1: Life insurance. Fellas, having the right amount, well, 'Hey, I'm retired, I don't need it.' That's what most people say, or at least that's the general consensus or rule of thought, but is that correct? John: Sometimes it is. It really comes down to when you're looking at, do I have the right amount? So, is there a need for it? If there is a need for it, then it becomes income replacement. So example, I go to retire and let's say I do have a pension that's life only. We talked about that a couple weeks ago and if I pass away, that pension's gone, does my spouse need that money for her money to last at that point or for her to hit her goals? John: If the answer's yes, she needs that pension replaced, then yes, there is a need for life insurance. There're other things that go into it, but that's just looking at it from a retirement standpoint. It's really replacing someone's income or assets that are needed to generate income for the surviving spouse. Nick: Yeah, and I would say just on top of that, I think probably the reason that we mentioned this in this conversation is just to not absentmindedly push it off the side. I think there's a perception for people that no matter what, they're not going to need any sort of coverage approach in retirement or into retirement. Just like anything else, we think it's important to take inventory, and when you're building your plan, to make sure that you vet out the different situations and scenarios. Nick: Because when you were originally planning, you may have not expected to have a mortgage, you may not have expected to help out your kids with education costs or maybe at the level that you did, or a myriad of other things. So life comes at you quick, we think it's important that... because so many people automatically assume that it's just no longer a part of the conversation for them, that you make sure that it is or is and take a good inventory to see if it makes sense for you. John: Yeah, definitely. Let me jump in here real quick. Speaker 1: Sure. John: This is really important for big business owners to look at as their near retirement, because a lot of small businesses, they are in essence the business, and if they don't have any life insurance and something happens to them, sometimes we've seen businesses have to fire sale and stuff like that. Nick: Yeah, if something happens to the owner, the business is relying upon the owner, the family expected to be able to sell the business and cash out and be profitable and sail into the sunset that can get derailed pretty quickly. So that's another good example. Speaker 1: Yeah, definitely. And you mentioned cash, just cashing out, but that was actually, cash is on my next one who doesn't love cash. I mean, everybody loves cash. We want to keep a nice amount around. We feel like most people kind of have this, the higher the number the better. My kid, she's 24 now she's working, making good money for a change. Speaker 1: Now she's learning how to play this game with herself about, Ooh, how much can I get my savings account to grow? I'll be chatting with her and she'll be like, 'Yeah, I'm trying to hit this number. And I'm adding a little bit more.' And it's nice to see her kind of start to play that game with herself where she's trying to grow those accounts. And she enjoys always the fact they're growing and that only happens more as we get older. So people sometimes want these pretty large amounts sitting around. So what's the right amount to actually have, because I mean, at some point, we start talking about emergency funds and so on and so forth. I mean, what are you going to do with $100,000 sitting in the banking cash? Is that really too much? Is that the right amount? I mean, how do you figure that out? Nick: Well, this is where our very effective, but also annoying answer of it depends comes into play. So, this answer possibly more than almost anything else is I think hyper dependent upon the people or the person that we're talking about. Obviously there's kind of the rule of thumb of, six to 12 months of expenses in cash. But really when we drill down further, one of the things that I like to run by people is to have them think of cash in a way of it's the ultimate permission slip. What I mean by that is what amount of cash allows them to feel comfortable enough to not make irrational decisions with the rest of their money? So if having a year or 18 months, 24 months, even 36 months of cash allows them to be invested in a way that they should be with the rest of their money. Nick: Then in my mind that the opportunity cost of that money, getting more upside, that cash getting more upside is worth it because it prevents them for them overreacting to things like market corrections like we're having this week or these different sorts of scenarios and circumstances where one of the best techniques that has worked for us is going through and saying 'Yes, the market just pulled back over the last three months. Let's just say it did 10%.' But if we can go to the client's accounts and say, 'Look at, you've got your next 18 months of expenses without ever touching your investment accounts is sitting there in cash for you.' Plus remember that we've got somewhere between 30% and 50% of your actual investment and fixed income automatically their blood pressure, their heart rate, and their amount of emails and phone calls to us go down, which are all things that are positive. Speaker 1: Really that's the talk, starting talking about risk as well. And that's my final bit on getting the plan in tune is having the right amount of risk for the time that you're in and for the situation that you're in. Maybe those two things go hand in hand, well, they all really go hand in hand, if you think about a retirement plan in general, but getting the right amount of risk is certainly important. Speaker 1: And we touched on this a couple of weeks ago when we were talking about couples and how they sometimes they're opposites in that regard. So you still have to find that that happy place that's working for the plan. I think I saw an email for somebody in a couple of weeks back guys, and it was something like, my account haven't done as well as the market this year and maybe I should change advisors. And it was like, well, wait a minute. You know, don't just assume that it's the advisor's fault because it didn't keep up with the market. How are you set up from risk? Are you exactly... Are you taking all as much risk as possible in that, which case the market return should be closer? Or are you very conservative and just don't really know what you have and that's why you didn't perform as well. There's lots of ways in variables to look at this correct? John: Yeah. It's definitely one of the most important things to look at when your overall portfolio is what is your or risk tolerance and how are you invested in? And what you just said is on point, we find that a lot where people are trying to compare not only to us, but other advisors like, 'Well, the S&P did this, what did I do?;' And then when you start diving into it, it's, well, you're a 50, 50 mix and that's the S&P all 100% equities. It's not going to be the same. John: But definitely from a planning standpoint, we try to make sure people are invested correctly based on their risk tolerance. Because if you are more aggressive in your portfolio than you actually are, when you start to see a dip, chances are you're going to panic and chances are if the dip is fast enough or goes down enough like in the COVID period, there March, April 2020, some people change courses and went from what they were, and then went to very conservative. John: And then three weeks later, the market just rallied back and all the gains were lost if you were, are seeing on the sidelines. It's important to really pick your risk tolerance, pick your portfolio and stay at the course based on the plan. Speaker 1: Yeah, absolutely. I mean, you can't panic. That's usually the worst time to do it. It's definitely one of those cases where we tend to do that. And that's, again, the value I think of an advisor, because somebody can call up and say, like the pandemic crash or whatever, and say, 'Hey, I'm panicking. What do I do?' And you can walk through those scenarios without just locking necessarily locking in those gains by panic selling or whatever that case might be. Speaker 1: So something to look out for, make sure you have your plan in tune, and they require a tune note, folks, these they're not a set and forget it kind of thing, it's not. Even life insurance, if you bought life insurance 25 years ago, and you hadn't looked at it 25 years, it's one of those things where we buy it, we think we're never going to need it to look at it again, but no, that's not the case. Speaker 1: Stuff changes. Life happens. So make sure you're making little tweaks, your plans should change and ebb and flow just like your life's going to. And that was our topic this week on the podcast. And as always, we're going to try to take at least an email question or two, if we can, if you'd like to submit your own, go to the website at pfgprivatewealth.com, that's pfgprivatewealth.com drop us a line there and subscribe to the podcast while you're there as well. Speaker 1: We'll see if we can get these two in at least one, we got a question for Nick, from Jamie. He says, 'Nick, I've looked forward to retirement for many years and I enjoy the podcast. And now that I'm actually retired, I can't shake the feeling that I'm going to run out money. So you got any solutions for fighting the feelings, or should I just go back to work?' That's one of these things where people get into that situation. It's like they maybe don't have a good plan or they're just not comfortable. So they're not really sure what it's doing for them. Nick: Yeah. So this is interesting because I would say that realistically, the majority of the people that work with us, their plans are pretty solid and we have a high level of comfort of them retiring. In those scenarios where, where we have a high level of confidence in their plan and what we've done, especially, because we use a lot of pretty of variables. We try to up the cadence of meetings or the amount of times that we talk and get them to start trying to view things maybe a little bit more like us. Nick: So using things like the client portal that we have, where they can view their cashflow or their lifetime and see the different parts start to become more familiar with how the planning software works and get some of that comfort and affirmation that they're online and on target is really, really important. Nick: And then from the perspective of things that maybe aren't quite as static, in our regular reviews, really trying to drill down and dig into what are the things that are concerning them the most? For example, for some people, the things that are concerning them the most might be taxes. We can work, show them and illustrate a scenario of a significant bump in taxes and show them how that impacts them specifically. Nick: When I realized that I should ask clients that have serious concerns about how these specific things that they're concerned about impact them specifically, because one of the things we've seen is that, it's like, 'Okay, I'm watching the news and the news says this is going to happen and freak out in twos. Nick: They're thinking in large terms maybe from societal standpoint and that's understandable, but take that one step further and say, 'Okay, well how does this impacting me? How impact my plan? How does this impact me? And then when we start to drill down, when they start to learn to do that, the amount of stress that they have starts to go away pretty significantly. 'Okay, well I'm concerned about these taxes.' All right, well, Hey, let's take a look at the amount of income you're in. Let's take a look at sort of bracket you're in. Nick: Historically, even if we go back the last 20 years, how much that bracket has fluctuated and you see throughout 9/11, throughout the great recession, throughout the bounce back, throughout... Year bracket that you're in has gone plus, or minus 3%, that's not going to really have a huge packed on you or let's even just let's bump it up an extra 10%, those sorts of things or using that same sort of situational awareness with markets or, whatever else it is, health, those sorts of things. When people start to really think about how to impact them, it's usually kind of a calming factor for them. Speaker 1: Yeah, I think at the end of the day, if you don't have a good strategy in place that makes sense to you and that you understand you're going to have a hard time shaking that feeling and not feeling calm and feeling nervous about it. And that's really where the right advisor and also the right plan comes in place. If you're working with somebody and you feel like things maybe aren't totally there, it's okay to get a second opinion. Whether it's Jamie or anybody else that checking out the podcast, find out if you're working with somebody and you're not sure that that's the right fit, then get a second opinion and you may find that it is. It's everything's working swimmingly well, and that's fantastic. Or you may find that you might need to make a change. Speaker 1: And if you do, just reach out to John and Nick and schedule some time, have a conversation with them. Second opinions is part of the industry. So give them a jingle, have a conversation, pfgprivatewealth.com, that's pfgprivatewealth.com and time wise, guys, I think that's going to wrap it up for this week. So we'll, we'll take that next email question next time on the show. Speaker 1: So reach out folks, let them know, to give them a cell, 8132867776 is the number to call. It's just easier to go to the website, pfgprivatewealth.com, subscribe to the show and all that good stuff on Apple, Google, Spotify. And we'll see you next time here on Retirement Planning Redefined with John and Nick and you guys have a great week. We'll see soon. Nick: [inaudible 00:18:25] John: Have a good one.

If you're of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let's talk about how things are different now. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. Transcript of Today's Show: For a full transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/ ----more---- Speaker 1: Hey everybody. Welcome into the podcast. It's Retirement Planning Redefined with John and Nick from PFG Private Wealth. Hanging out with me to talk about this being not our father's retirement now. That's our podcast topic this week, not your father's not our fathers, whatever you want to say, we're going to go into this conversation about how things are so much different even just 20 years ago when it comes to retirement. And some things to think about before we walk away from that paycheck. And there's a lot that's obviously changed and obviously we're seeing a lot of turmoil coming off of COVID and things of that nature. So there's a lot of good topical stuff in here for us to discuss, but let's jump in and say hi to the guys first, Nick, what's going on, buddy? How are you doing?   Nick: Pretty well, staying busy.   Speaker 1: Staying busy. Well, that's always good. John, how are you, my friend? Last time we talked you were having some troubles with the kids. Everybody not sleeping and things like that. Doing better?   John: Yeah, for the most part, actually, I don't know if I've mentioned it. We got them to share a room which has helped their sleeping habits a bit. So we've been sleeping through the night. So it's been a few years, my friend, of consistent nights of sleeping.   Speaker 1: There you go.   John: Starting to feel pretty good again.   Speaker 1: Yeah, I like that. Well, very good. So you never know what's going to make the trigger there. So I'm glad to hear that. Do you guys remember these commercials? I'm a little bit older than you, but I know a lot of our listeners might remember these as well, if you guys don't. But back, maybe late '70s, early '80s, Oldsmobile was trying to rebrand and make the Oldsmobile a little bit cooler. And so they had these commercials and it would always say things like, "It's not your father's Oldsmobile." You guys remember those at all?   Nick: I do actually.   Speaker 1: Yeah. And so they would try to rebrand it that way. So that's kind of the idea I had for today's conversation. It's not our father's retirement. My dad retired in '93. He passed away in '96. So he didn't have a very long retirement, but even just the principles and some of the things are completely different here 30 years later.   Speaker 1: So let's talk about a couple of these things and how the world's changed and how really planning has also changed and what you guys do and what folks need to consider when they get closer to retirement. First of all, the concept of retirement is not actually that old, a hundred years ago you didn't retire. You worked until you dropped. Right? So really retirement's only been around since, the idea of it really since the late '30s, '40s, '50s, '60s, so on and so forth. And it was this thing where you got to 65, you retired, you were done. Maybe you sat on the front porch and did little, but nowadays more and more people work beyond 65. They want to, not just have to, they want to, and that's okay. Right? There's nothing wrong with that.   John: Yeah. I would definitely, we see that in our office here, Bob Perry's 76, 77, he's still working. We joke that his wife won't let him retire, but he really enjoys coming in and the environment here and just being with everyone, it gives him stuff to do and he provides a lot of insight for us as well. So it's great to have him around so I could see where in his situation or other people's, if they're somewhere they enjoy, what's the point of retiring if you enjoy it?   Speaker 1: Right. Exactly. And not only that, Nick, but a lot of times people, again, they just want to do some other things and maybe you don't need the full job income, like you used to have, the big career, but maybe you do need a little extra money to help with the plan or something, but it's just a way to kind of have some fun and maybe make a little extra scratch on the side.   Nick: Yeah. I think ultimately what happens is that almost one analogy to think about, you see things like football players, baseball players, et cetera. Here you have people that retire early, they maybe have a career 5 to 10, maybe 15 years. And obviously their situation is a little bit different from a perspective of the money that they're retiring with and the bandwidth they have to route the time between retirement and their life expectancy. However, there's probably a little bit more similarities than people realize where ultimately when you see interviews with people like that, the things that you hear them talk about are missing the structure, missing the comradery, coworkers slash teammates, those sorts of things.   Nick: So, there's actually a lot of similarities and it's almost keeping that sort of structure and help keep my mind sharp, keep people engaged. We definitely see patterns from the perspective of, there are some people that they do a great job of having hobbies and they know that when they retire, they've got a list of things that they want to do, whether it's travel, whether it's hobbies, whether it's a small sort of business. And then you have people that really struggle. And I was having this conversation actually with my parents this weekend. My dad is a retired fireman, but he's been working, he had his own small business for the last maybe 15 years. So he retired as a fireman really early.   Nick: My mom's a nurse. She works a couple days a week now, but she's looking to slow down. And my dad was talking about a friend of his, maybe like 10 years older, that still does some work because he can't just sit around, he's got to stay busy. And my dad was like, "Well, he needs hobbies." And I said, "No, you need some hobbies. You don't have any hobbies." And he looked at me like, "I had never really thought about that before." And we've had different conversations, but the point that I'm trying to make is a lot of times, we look at other people, we look at other situations and we perceive ourselves in a different way. And sometimes just taking that self inventory and asking ourselves these sorts of questions, it really is important because there's many more similarities that we realize. So...   Speaker 1: Yeah.   Nick: So we've tasked my nieces who are younger to help, start coming up with some hobbies for my father, their grandfather, to keep him sharp and engaged. So...   Speaker 1: Well, I think we went through this cycle. Like I mentioned earlier, a hundred years ago you just worked until you dropped. And then we said, "Oh, we can do this thing called retirement." And then people started retiring and sitting around and doing nothing. And then you wither away that way too. So I think we've now started to learn over this past a hundred years that, okay, it's got to be a bit of both. You, you work really hard, you get to retirement, you hit retirement, but you still need to be active. You still need to do things and have things that interest you, if you want to just sit on the front porch and make wicker baskets, then that's great, do that, if that's what you want, but more and more people are-   John: Real quick, Nick loves making wicker baskets.   Speaker 1: Does he really? I got to get one now, I need a custom wicker basket.   Nick: No wicker baskets.   Speaker 1: Oh man, just crushed my dreams right there. But anyway, I think that's a really great point is having something to retire to. Now, the next point on this guys, is being retired, it can be more expensive nowadays than working. So, we used to see that 20% less is what you need in retirement. Well, that might not be the case now. And we've just been having conversations as well about inflation and stuff. So it can be quite expensive to retire if you're not careful.   Nick: It absolutely can. Especially depending on where you live from the perspective of the things that you may be looking to get into or do. I live in a downtown area in St. Pete and I absolutely see how, anybody that lives in this space, all you have to do is walk down the street to grab a coffee, to grab a lunch and depending upon your lifestyle, you've just got more time on your hands to do the things that you want to do. So, so why wouldn't it be more expensive if we're just doing these things more often, more frequently, so it can definitely be the case. And that's even from a discretionary standpoint, let alone the health care costs and all the things that people do to stay healthier, stay more engaged, live longer, all those sorts of things.   Nick: And ultimately, one of the things that we'll have conversations with people, sometimes people come in with an open mind thinking like, "Hey, this might be happening. I may spend more money." Other times we have people that they're absolutely convinced, " No I'm going to spend 50%, 60% of what I spent before." And that's sometimes the question to them is, "Why would you? Is that what you want to do? Or is this just something that you read?" Because I would guess ultimately you want to enjoy what you've saved up for and worked hard for. So, at what point in life or maybe even in the last 30 years, one of the questions, at one point in the last 30 years, have you lived only for needs and realistically here in the U.S That's for most people that's not too common, ultimately we live in the things that we bought. We enjoy the times that we want to spend with others, all those sorts of things. So, that's an important conversation to have.   Speaker 1: No, I definitely agree with you there. John, retirees are facing more problems than ever too. Well society, we're all facing more problems than ever before, social media, so on and so forth. Just the inundation of information, but longevity, I think maybe longevity guys might be a key to this whole conversation today because it magnifies all of these things. And that's certainly going to be the case when juggling more problems because we're living longer, so much longer, the body's able, we're figuring out lots of great ways to keep the body going, but sometimes we're having some difficulties when it comes to the mental side, dementia is on the rise, things of that nature. And that gets pretty costly.   John: Yeah. Yeah. Previously we talked about retirement changing, people had pensions which lasted for their life. And the shift has been away from pensions to putting the responsibility on the individual where now they have just basically savings, whether it's cash or investments or whatever, but now you need to be very cautious, we have to be very careful that that's going to last you 30 plus years. And that's why it's important to have the plan to make sure that your money is going to last throughout retirement, which is really the biggest concern for retirees. Some other things we've seen popping up more recently and we've just dealt with this with a client where their they're aging parents, they were providing financial assistance for their parents in assisted living facilities and things like that, or having helpers.   John: So I have one client where they're were assisting their parents with that. So they weren't really going on vacation and enjoying their time. And then the parent passed away and then with everything that's happened recently, their son lost a job and then they were not helping out their son with expenses. So it was a double whammy for them is that they can't truly enjoy retirement because they're helping family members out, which again, no one plans for this, you just happen in this situation, but it's something that you always want to keep track of.   Nick: Yeah. That's kind of that sandwich generation that they talk about a little bit and it really started coming to the forefront back during the recession, '08, '09, '10, where there was a lot of kids coming out of college, couldn't get jobs, parents aging, all these sorts of things. So I would say baby boomers definitely have their hands full with all the different things that they have to juggle. And so having peace of mind of having that plan in place and understanding how their money is going to work in retirement is more important than ever.   Speaker 1: Yeah. Well, and like I said, longevity is probably the key to this whole conversation. So we have to sell fun. Right? We don't have pensions now. Well, not many do. Right? So I think something like 15% or less of the population has pensions. It's an interesting statistic, but we're talking 30, 40 years. I was just chatting with somebody yesterday, guys who they're 72 and their mom and dad both are still alive. They're in their 90s and they're also dealing with helping their 40 year old children. So there's a lot in this to unpack.   Nick: Yeah. Yeah. We see it all the time. We see it all the time and it can be pretty stressful. And a lot of times what we'll try to do and go through with people and this even ties into some other previous podcasts, that we'll have from the perspective of, "Hey, my kids are looking to buy a house. I want to give them money for a down payment." And we'll talk about things like, "All right, well, where does that money have to come from? How does it impact your overall plan?"   Nick: So we try to walk it through and we try, we joke where we try not to be the money police and tell people what they can and can't do, but we just help them understand the impact of their decisions and trying to make sure that they do it from a perspective of viewing their retirement first and making sure that they're okay because they also don't want to be a burden down the line for their kids. So it can be a really slippery slope and making sure that the decisions that are made along the way position them to be able to help, but it can be difficult, especially like you said, planning for that 30, 40 year retirement.   Speaker 1: Yeah, definitely. And it's a situation where we're just going to continue to see more of it. So having a good strategy, having a good plan is going to be paramount to getting through all these hurdles and things that we've got going on. Because I imagine at the end of the day, nobody comes in and says, "Hey, I'd like to have less of a lifestyle than I have now in retirement." No one wants to go backwards. So you want to make sure that you are having those conversations to move yourself forward or at least maintain into retirement. So that's our topic this week. So we all know things are different than they were 20 or 30 years ago. But when you really start dissecting it, especially from a financial standpoint, there's just a lot to unpack.   Speaker 1: So sit down and have a conversation. If you're not already with a team that can help you like the team at PFG Private Wealth, John and Nick, and the whole team there to get on the counter, reach out to them. (813) 286-7776. If you've got some questions or concerns, reach out on the website if you'd like to as well pfgprivatewealth.com, that's pfgprivatewealth.com. Don't forget to subscribe to the show. Retirement Planning Redefined on your smartphone there. If you've got an Apple phone, for example, Apple Podcasts is already on your phone. You can just open up that app and type in Retirement, Planning Redefined, and subscribe that way or Google or whatever platform you use. Most of that stuff's already pre-installed on your phones anyway, but you can find it all at pfgprivatewealth.com. Guys, thanks for hanging out with me this week. I appreciate it. John. I'm bummed that he's not going to make me a wicker basket.   John: I've been trying to get one, he won't do it.   Nick: I'm not the creative type.   Speaker 1: Not the creative type. All right, guys. Well, thanks for hanging out again. I appreciate it. I'll see you next time. John, take care, buddy.   John: Have a good one.   Speaker 1: We'll see you later. Nick, take care. Have yourself a good week.   Nick: All right. You too. Take care.   Speaker 1: We'll talk to you next time here on Retirement Planning Redefined with John and Nick from PFG Private Wealth.

Kieran & John Have the pleasure of talking about the heyday of British wrestling with Marty Jones who was amongst it all he shares some amazing stories this episode is well worth a listen Marty Jones is available on instagram @ http://instagram.com/martyjonesno1?igshid=17h2oe2ebeqz7 His Gym is available @ https://squaredcirclewrestlingacademy.wordpress.com

In today's message, Pastor Johnnie looks at the Prologue of the Gospel of John and how the way we use words matter. John chapter 1 verses 1 though 18. #sermon #inspiration #motivation #preaching0:00 Introduction0:59 Scripture Reading3:49 Prayer4:54 What kind of Christmas Play would The Gospel of John Have?9:26 John Starts With Darkness13:17 Words Matter 15:37 We Should Share the Word With Others19:22 Jesus Fully Human And Fully Divine 26:54 SubscribeSubscribe to my YouTube Channel and Like my Facebook page!Hit the

What's holding you back? [sc name="pod_ad"]September 30 will mark four years that I've been releasing episodes of the Resourceful Designer podcast. During the time I’ve received hundreds of emails from people thanking me for what I do. They tell me how much I’ve helped them, inspired them and motivated them. There's no way for me to express how this makes me feel, knowing that me, a designer, working out of my home office in small-town Ontario, Canada is having such an impact on designers from around the globe. It’s truly humbling, and I cherish every message I receive. But over time, I’ve noticed a common theme with many of the messages. Web and graphic designers write to me saying that after listening to Resourceful Designer for so long, they've finally started their own design business. I'm happy for them, but I can’t help wonder what was holding these people back from starting sooner? Why did it take them so long of listening to the podcast, in some cases years, before starting their business journey? Does this describe your situation? Have you started your design business yet? I understand those people who tell me they’ve lost their job for one reason or another and have decided with my inspiration to start their own graphic or web design business instead of looking for new employment. But what about those who tell me they’ve finally built up the courage to begin working with clients as a side gig while still employed somewhere? These people have a steady income at their current job, so the fear of not being able to support themselves isn’t a factor. What was holding them back? What hesitation was stopping them from trying it sooner? If you’re in a similar situation, where you haven't started your business yet, why haven’t you? Don't get me wrong; I’m not encouraging you to quit your current job. I don’t need that responsibility. Yes, some people have told me that I’ve given them the courage to do just that, quit their job and start their own design business. That’s a huge leap, and a lot of things need to be in place before someone does that. However, in most cases, quitting your day job is not required if you want to start a side gig. Let me ask again. If you are listening to this podcast because of your dream of running your own design business, but you haven’t started one yet, why not? Is it fear? Is it imposter syndrome? What factor is preventing you from moving forward? Whatever is holding you back, maybe I can help give you one more little nudge. The 80/20 rule. Have you heard of the 80/20 rule? It states that 20% of your effort will produce 80% of your desired results. For example, 20% of a sports team’s players will contribute 80% of the goals they score. 20% of an investment portfolio will produce 80% of the profit. 20% of a retail store's client base will purchase 80% of its products. 20% of your design clients will result in 80% of your income. Let's get your design business started Let's use the 80/20 rule to make it easier for you to finally start your design business. Write down ten things you need to do to start your business. Of those ten things, I want you to select only two of them. Choose the two that will create the most positive impact toward helping you reach that goal. Following the 80/20 rule, Those two things, the two most important ones from your list of 10, should bring you 80% of the results you need and bring you closer to having your own design business. Even if those two things are not enough, they will put you further along the path than you are now. Small steps, taken regularly, will lead to progress. It’s just like finishing a marathon is accomplished by putting one foot in front of the other. It’s called progress. Every step you take towards entrepreneurship will get you closer to that goal. Break down everything you need to do into small manageable tasks, and you’ll find it easier to get things done. Maybe this might mean finding your first client. That may be all it takes to get you started. Remember, you can be a freelancer before you become an entrepreneur. The pieces will follow. Some people think they need to have everything in place before they can start a design business. I Can’t start yet; I don’t have a business name. I Can’t start yet; I don’t have a website. I Can’t start yet; I don’t have business cards. I Can’t start yet; I haven’t registered my business. I Can’t start yet; I haven’t figured out invoicing. I Can’t start yet; I don’t have a contract. Etc., etc., etc. Sure, these are all things you will eventually need, but they are not things you need to start your business journey. All that’s required for you to get started are your skills as a designer and the willingness to find your first client. The rest can follow. I want you to remember; you define your business; your business doesn’t define you. Meaning, you can get started now, and let the business grow and evolve around you over time. If the reason you have not started on the journey of working for yourself is that you are waiting for all the puzzle pieces to fall into place, I want you to know that it will never happen. Ask any business owner, and they'll tell you, There will always be learning and improving, and innovating and growing. In other words, there will always be more puzzle pieces to add to the picture. When should you start? So when is the perfect time to start your own web design business or graphic design business? Even if it’s not an officially registered business yet? Why not today? You already have the knowledge and skills after all. That knowledge and those skills are all a client cares about when it comes to hiring a designer. Clients don't care about your business name, or if you have a fancy invoice. All a client wants is a designer that can produce a design solution for them. There’s no reason you can’t do that right now — the rest of it, all the business stuff, that can come later. If your goal is to start your own design business, either it full-time or part-time, what’s holding you back? You can’t accomplish anything without starting. What makes you hesitate before taking business leaps? Let me know by leaving a comment for this episode. Questions of the Week Submit your question to be featured in a future episode of the podcast by visiting the feedback page. This week’s question comes from John Have you ever been in this situation: There’s a perfect client you really want to work with. Someone you see over and over again at social gatherings and such and you keep pitching them your services in the hopes they’ll eventually bite? Then one day they contact you with a project and you’re super excited and feel like you’ve landed a million dollar client? You Start working on their project and everything is going really well. Then, a few days into the project you start to lose that fire you had. The fire that made you crave working with this client. You start slacking off, you don't reply to their emails as fast as you should, your mind starts drifting to other projects because you’re not excited anymore about the client or their project. You still provide them with great work but the passion isn’t in it anymore. Do you ever have episodes like this and what do you do in such a case? To find out what I told John you’ll have to listen to the podcast. Tip of the week Upgrade your 32-bit applications (Mac Users) Mac Users: All 32-bit applications on your computer will cease to function when you update to OS Catalina Update. If you've noticed this warning messages when opening an application “Application Name” is not optimized for your Mac and needs to be updated. It's your computer warning you that it won't support that application in future updates. To see which applications on your computer need to be updated, select About This Mac > System Report > Software > Applications. The right-hand column will show if an application is 64 bit or not with a simple Yes or No. If you click on the title at the top, it will sort the list with all the Yes and No together making it easier to view. Look through all the applications marked NO and determine if it’s something you still need. If not, you can delete it. It won’t work after the next OS update anyway. If it’s something you do want to keep, find out if there’s an update available and update it. Make sure all the applications you do use are 64 bit before updating to OS Catalina. Otherwise, you won’t be able to use them anymore.

New Testament Postcards. Part 3 – How Not To Fight In The Church (3 John) Have you ever been a part of a church that was fighting? It is devastating and embarrassing, wasn't it? Aren't you so glad we have such peace at Sugar Creek? Using what happened in 3rd John, the Holy Spirit will show us, How Not To Fight In Church.

New Testament Postcards. Part 3 – How Not To Fight In The Church (3 John) Have you ever been a part of a church that was fighting? It is devastating and embarrassing, wasn’t it? Aren’t you so glad we have such peace at Sugar Creek? Using what happened in 3rd John, the Holy Spirit will show us, How Not To Fight In Church.

Editor’s Note: So this is a big “oops” on my part. I’ve had two episodes of I’m Thirsty edited since October and forgetful me let my mind lapse and we’re already in January. So enjoy what was supposed to be November’s episode. – John Have you ever heard of Flaviar? Ever wondered what it was […]

Jesus Christ was rejected by the Jews because He did not fit the picture that they had in their mind of Messiah. The pharisees and teachers of the Law of Moses, the religious people, hated Jesus because He did not comply with their doctrines. Jesus did not preach the the Law of Moses. He preached the Kingdom of God. He explained to them the prophecies and the writings of the prophets and they marveled at His wisdom but they hated Him, sought to kill Him and eventually had Him crucified, because He exposed their hypocrisy. He did not fit the script. Jesus came for the Jews, because salvation is from the Jews, but the Jews rejected Him and His words and therefor salvation was extended to the gentiles, the non-Jews. Jesus did not come to make all men Jews but to make born again children of God that live according to His words, His commands as they were also recorded in the gospels, Matthew, Mark, Luke and John. Jesus did not come to re-iterate the Law of Moses or make gentiles into Jews. He gave a new commandment. He called men to believe in Him and obey His commands, serve Him as Lord. That is why the Hebrew roots movements and teachings are deception. There is no salvation in the Torah and observing Jewish feasts, wearing Jewish clothes and paraphernalia. The law and prophets, Old Testament, was fulfilled in Jesus Christ. Jesus said:"The Law and the Prophets were proclaimed until John (the baptist); since that time the gospel of the kingdom of God has been preached” Luke 16:16. Christian churches have concocted many doctrines and teachings by combining Old Testament scripture and the teachings of the apostles in the New Testament. They have created concepts and images of Jesus, that do not exist. They have put together a script from their own imaginations and from Bible scripture, a script, like for a movie, and they expect Jesus to comply with it. Jesus is not part of their script. He is not part of their churches. He does not fit into their imagination. Jesus is Lord. Jesus declared His kingdom. He delivered His words of eternal life, the words that He spoke. His words are the truth. Jesus is the WAY. The only way to have eternal life is to OBEY Him, to comply with His words, His commands. He DISCLOSES Himself to those who ACCEPT Him and His words and who follow Him, those who repent and are baptized in water and who seek Him, His kingdom and His righteousness, His approval. Most Christian believers do not accept Jesus and His words, because He does not FIT into their SCRIPT, their PICTURE or CONCEPT of Him. They feel secure in their religious illusion but they will wake up in hell, if they do not seek Jesus, accept Him and His words and get to know Him for real. Not many people do follow Jesus, because Jesus does not follow the expectations and scripts of men. As soon as Jesus deviates from their interpretation of the Bible, most believers leave Him and run after other people of the same mind and same deception, the same church and doctrine; the blind following the blind, and so they both fall into the ditch. Are you following Jesus, or are you following some script? Do you obey His commands as they were recorded in the gospels, Matthew, Mark, Luke and John? Have you repented and been baptized in water for the remission of sin? Have you received the Holy Spirit that Jesus gives to those who obey Him? Are you following the guidance of the Holy Spirit? Do you hear the Master's voice and do you follow Him along the path that He leads you? May Jesus bless you Jesus Christ is alive and hell is real. I am here to introduce you to Jesus Christ so that you can know Him, follow Him and have eternal life. Subscribe to my channel to learn more about Jesus. May Jesus bless you

0:15  We’re Live! Chuck says he is having one of those weeks that makes him want to be a pig farmer. Chuck talks about his sponsors not paying him on time. John jokes that Chuck is going to burn down the building. Chuck continues with how these companies are promising to pay in 45 days, but no show. Chuck says he understands that this is a process. John and Chuck agree on a paying upfront policy.  5:10  John talks about sticking to what was agreed upon as far as due payment. John jokes to put up an ad that out the issues of nonpayment from the sponsor. Mani asks about book sales. As Chuck goes into having issues with PayPal restricting his account, but he cannot pull money out from the book sales.  9:10  Chuck talk about talking to Richard at .NetRocks. Mani suggests not using PayPal and switch to Strip to receive payments. Mani jokes about running an 'I cannot buy my lunch' sale. John talks more about using this injustice as a marketing strategy.  13:00 Mani ask is the course is for sale now. Chuck mentions that it is on sales for 500 dollars as of now. Mani asks about some analytics on the current sale. Josh and Mani suggests an urgency strategy for the course and using a timer on the sales page. Josh and Mani give other kinds of suggestion for the sales and marketing strategies.  18:00 Mani suggests writing up 4 marketing emails for revamping the sales of the course. Mani asks about Simple Programmers sales on Plural Sight. Josh gives some analytics and numbers on the sales. Josh says it is about 18k in sales. Josh talks about the issues with the commission and discount offer.  25:00 Josh talks about the 45k sales last year. And Josh says their attitude is what have you done for me lately. Josh says John’s numbers are still pushing in sales at Plural Sight. Mani talks about the tier of commissions according to a Robert Farrington. Josh continues to talk about the clicks and conversions of the material on Plural Sight.  30:00 Josh and John talk about the EPC target. John suggests working backward to figure out how to meet the EPC. John talks more about the complexity of the sales.  Josh talks about experimenting with a waitlist. Mani and John talk about the traffic direction, click and marketing with courses on Simple Programmer.  40:00 John asks Josh talk offering their own discount to up the sales. Josh think it has to be beyond 25% to make it worth it. Josh talks about the sales on the membership.  Josh talks about Jonathan Stark’s book called  The Freelancers Roadmap and how he is using this as a bonus to the sales they’re doing.  45:00 Josh talks about a plugin to setup authors call WooCommerce Authors. Chuck talks about how he is using the WooCommerce site. Chuck ask about how to set up the author plugin as far as getting people on the site.  50:00 Mani and Josh discuss marketing and writing copy for courses, rather they are martial arts or developer material. Josh talks about the skill of building out the course. Josh talks about doing a 21-day course but did not work, then they switch to interviews on webinars. Josh talks more about working with Jason on building courses.  55:00 Josh continues to talk about the process of marketing courses on books or videos. More on the complexities of launching courses.  Chuck says he likes to idea of hiring someone for their skills to build a course. Chuck talks about how he could do this with one of the developers.  1:00:00 Josh talk about his idea with this upcoming course with coding and technical material. Josh talks about this as a review type course to prepare for coding. John talks about signing up for another marathon but he got sick.  Mani suggests chewing garlic to help with a cough. Josh asks about the Thrive convention.  1:08:00 John says is it wipeout from running. John asks if they notice the merge with Create Space and Kindle. Which could help with sales on their book. Mani ask about John’s book Bulldog Mindset. EntreProgrammer talk about the publishing companies. Josh and John talk about Novel Rink that pulls Amazon API and how it is being shut down.  1:13:00 EntreProgrammers talks about how this is similar to people running Facebook ads and such. Mani talks about how it is short-lived as people are trying to build businesses off of a social media platform. Mani says like Alex Jones. John says Alex would be able to write a book. Josh says Alex is still very diversified with several places to pull his material.  1:19:00 Josh said he did have the opportunity to get into the Prepper niche. Josh talks about how Google controls 80% of their email list. So they are done if they get in trouble with them. Mani talks about Alex Jones traffic numbers.  Thoughts of the Week!  Josh - Pomodoros are effective John - Have an exact why Charles - Just got to keep going Mani - Syndicate your content

A weekly podcast about programming, development, and design through the lens of amazing books, chapter-by-chapter. A System for Growth Dealing with complicated models John: How / Why do they grow? Needs change: John: All the different use cases for a user John: "When you need to implement password recovery, and do not have a clear, single place to put the logic, it will still find its way into your code. It will spread itself across existing classes, usually making those classes harder to read and use.” Example problem: Want to send a welcome email when a user is created via a public form but not when an admin creates a user via a backend interface Fat models == missing classes don't actively look for an AR class, look for new classes to contain new logic A home for interaction specific code Core models should only have the absolute minimum to exist: set of validations to enforce data integrity definitions for associations (belongs_to, has_many) universally useful convenience methods to find or manipulate records (scopes) Core models should NOT have these things: (these things belong in multiple, interaction-specific form models) virtual attributes that don't map 1:1 with db callbacks to fire for a particular screen or use case (i.e. form signup) we want the perks of AR models with AR. solution: inheritance class User::AsSignUp < User validates :password, presence: true, confirmation: true after_create :send_welcome_email private def send_welcome_email; end end John: Note the "AsSignup" pattern - "AsFacebookAuth" Extracting service objects (lol) probably a good indicator of a service object is when you find yourself using class methods. i.e. def self.something John: Didn't we just move code around? - "what used to be a monolithic blob of intertwined logic is now separated into multiple, loosely coupled components.” Better maintainability, testing, and reuse. Organizing large codebases with namespaces class Invoice < ActiveRecord::Base has_many :items end class Item < ActiveRecord::Base belongs_to:invoice end Why not just: class Invoice::Item < ActiveRecord::Base belongs_to:invoice end and move the file to: app/models/invoice/item.rb core domain at a glance John: Pros- Namespaces have an inherent hierarchy - Encourages more objects, clear path for them. Taming Stylesheets The recommendations are a lot like BEM - A front-end development methodology - learn more at: http://getbem.com/ John - Recommend a Readme.md for front-end specific code, or having front end specific guides in the readme. John - Have a process, and document your process. Have a system. John - Contractor (Frank Hock) - Recommended a very specific folder structure: Abstracts (Sizing, Boarders, Spacing)Base (Grid, Colors, images, Typography)Components (Buttons, Cards, Alerts)Page Specific CSS Picks: John: Elasticsearch with Bonsai - Such a great experience and amazing performance so far. JP: https://github.com/kelseyhightower/nocode

Inspired by this article, we are discussing how to enjoy being a mom. Motherhood is hard and it's a gift from God and that dichotomy often needs an attack plan in our daily lives. Have the right perspective. Motherhood is work. Sally Clarkson Heidi St. John Have systems. How I teach my babies to sit on my lap  Learn from other moms. Hands Free Mama- Rachel Macy Stafford Glimpses of Grace- Gloria Furman Give Them Grace- Elyse Fitzpatrick  Ministry of Motherhood- Sally Clarkson Educating the Whole-Hearted Child- Clay and Sally Clarkson Be confident. Uniquely Woman Instagram  Delighting in My Days Instagram,  Twitter, Facebook  Phylicia Delta Blog Instagram, Facebook  

John: Have you ever wondered what it would be like to go from being an Officer in the US Army, to trying law school, corporate america, real estate, & then to become an Entrepreneur of an award winning Podcast that reveals the journey of today's most inspiring Entrepreneurs 7-days a week? Would you have the courage to direct your passion & energy & inspire millions of people to learn how to become entrepreneurs as well? Kate: Have you ever wondered what it would be like to dream of becoming a college professor & to instead end up educating millions rather than a class of 30 students? What would it be like to work with your "other half" in both business & life and create a company that helps millions of people while successfully generating over $250,000 in revenue PER month. I am so excited to connect with John & Kate to hear their amazing stories & to share their journey with all of you.

John: Have you ever wondered what it would be like to go from being an Officer in the US Army, to trying law school, corporate america, real estate, & then to become an Entrepreneur of an award winning Podcast that reveals the journey of today's most inspiring Entrepreneurs 7-days a week? Would you have the courage to direct your passion & energy & inspire millions of people to learn how to become entrepreneurs as well? Kate: Have you ever wondered what it would be like to dream of becoming a college professor & to instead end up educating millions rather than a class of 30 students? What would it be like to work with your "other half" in both business & life and create a company that helps millions of people while successfully generating over $250,000 in revenue PER month. I am so excited to connect with John & Kate to hear their amazing stories & to share their journey with all of you.

Today we talk with John McIntyre, a fellow email copywriter. First we begin discussing email marketing and take you deep into both of our processes for creating emails that sell on autopilot. Then we make a dramatic shift and get into a philosophical discussion about life, the addiction to money and why "constantly striving for higher revenue" is a unfulfilling way to live life for most people. In this episode we discuss... How to overcome objections using stories, case studies and more... Why "tips, tricks and hacks" do NOT work... Why templated systems don't work for most people... Why segmentation is the key to better email results... An epic discussion on why most entrepreneurs live un-fulfilled lives... Resources Mentioned  www.McMethod.com The Millionaire Next Door (book) Want To Work With Me? Visit http://www.JeremyReeves.com or email me at Jeremy@JeremyReeves.com Enjoy! Transcript Hey, guys. Welcome back to another episode of The Sales Funnel Mastery podcast. Today, I have a guest on the other line. His name is John McIntyre and he is a fellow marketer, he's an email copywriting specialist and basically, focuses on writing emails. I was actually on John's podcast a couple of weeks ago and when that goes live, I'll give you the link to my podcast. So I thought that I would get him on my podcast and expose you guys to him and how he thinks. So instead doing one of the boring introduction that everybody does, I'm just going to let John tell you who he is and how he came to be and what he does and we'll take it from there. Jeremy Reeves: So John, how are you? John McIntyre: I'm doing good, Jeremy. How are you? Jeremy: I apologize. I was just taking an extra (00:57). I'm good. So tell us a little about yourself. John: My name is John and I'm from Sydney, Australia. Though, I actually live in Thailand. A lot of people find that quite interesting. I grew up in Sydney, but I ended up in the Philippines, working. I did some marketing for a beach resort there. A nice, gorgeous resort on the beach which was a "tough life" as you can imagine. I still remember, this is when I just getting started with the agency that I have now, I'd still remember, every morning, I'd wake up and I'd get some coffee from the resort and they were right on the beach. So I'd grab a white plastic table and put that right next to the sand, right beneath two coconut trees and I'd get a big extension table from the restaurant and run it out to my table, out a seat there, and I'd set my laptop up and have breakfast, drink my coffee, and do some work, sitting under a coconut tree and just this bright beach (01:52). Jeremy: Sounds torturous. John: It was a tough period a lot. I worked really hard. Jeremy: Nice. John: So that was when I started around then I started learning copywriting, doing some email stuff, some sales letters, all the usual stuff. And around that, I started, I guess what you may call an 'agency'. What's becoming is we ended up moving to, after a year in the Philippines, I moved to Thailand. I had a conference that I went to in Bangkok. The big group went to Chiang Mai, which is an hour north of Bangkok on the plane. And I've been here ever since, which is two and a half years now. It just kind of whizzes by and this is what I do. I started as a copywriter, just doing bunch of different stuff and eventually realized that most people were coming to me for email stuff and basically thought that, you understand as a copywriter, you need a thing. So my thing was going to be email marketing and I decided to call myself the "Auto-responder Guy'. And that was a year ago, eighteen months, something like that. That was a really good decision. It worked out really well in terms of what it's done for the business but it's actually funny right now, I'm actually working with building out a process of bringing out bigger clients. And none of them having any idea what an auto-responder is, they don't think in terms of auto-responders and email marketing, they think in terms of leads and database and conversions. I'm slowly going through a slight transition. I'm trying to decide whether to drop the whole Auto-responder Guy things and go for more of that lead conversion angle. But time will tell. So that's what I do, man. I write emails, I set up similar stuff to you, I just come out form a slightly different angle. Jeremy: Okay. Nice. So tell us about The McMethod. What's your process? I know one of the things you do is write ten-part email sequences for clients and you have your McMethod that you sell as a product. So tell us about your methodology for the writing the emails and the process that you go through. John: Sure. So the first time I did this, I know this guy who's like a tropical MBA and it's about moving to the tropics and doing some business stuff, learning how to build a business. Anyway, so he was the first guy who hired me to write some emails for him. And what I came up with was where I will send an email every three days, ten emails a month and so what that morphed into was, you might call it a productized service (04:23) coming to me for a 10-email sequence. So we jump on the phone (04:27) their business and then I'd give him his ten emails and do it like that. It's fairly streamline, very easy to deliver. I've got guys that work for me to do (04:36) the bulk of the writing which is quite useful and (04:39) the way I do that is because it's productized like that, it makes it quite easy to do. And then we got a product which is called The McIntyre Method which is a four-week video training program on how to create your own ten-email sequence. But the idea, really is as I've grown, I've realized is that there's no ideal length, there's no ideal set of emails. If you really have a problem and you've got different solutions to solve that problem. So what I do now is there are sequences where I do ten emails since that's what a lot of people know me for, but also bringing in a lot more custom stuff. So depending on the problem, sometimes, someone really needs three or four emails, sometimes, it's going to be quite a lot more than that. So probably we're looking at today, we're looking at a proper sales funnel of something like fifty emails, I think. If you're really going to talk about emails. So you see (05:37) the process how it happens. Jeremy: Yeah. So that's one of the things that I've learned is everybody comes out and they need different things. In fact, I just had a client he just signed up maybe a week and a half ago or so and he came and he wanted A, B, C, D. I told him he needed less than that which you usually don't hear of that often. He was going like, "Oh, this guy had that so I need that." For this business, and where he's at, he didn't really need that exact thing. It's funny. People need different things and a lot of people start out like I'm going to provide this is in their service, and then it comes to being more like a custom job. So tell us when you're writing out those sequences, it doesn't really matter what the length, if it's ten or if it's fifty or anything like that. What's the big goal that you're trying to achieve when you're writing out these sequences (besides sales, obviously)? John: Right. I mean, ultimately, yeah. It does (07:08) but if people come to me and they think "Well, it's going to be the best subject line, all the best talk, all the best story." it's really (07:15) because at the end of the day, the only that really matters is are you solving a problem anyone actually cares about? And if the answer is 'Yes', well, great. Then you're in business. So now you need to understand as much as you can about the person you're trying to sell something to and as much as you can about the solution. This takes years and years to develop. This isn't something that you can sit down and do a brainstorming session and you've got it. I was reading an article about to go from 1 million to 10 million to 100 million with a software start-up. And often, it'll take them months or if not years just to get what they call 'Product Market Fit'. You might say it's a terminology from the start-up world but the idea if you've really got to a point where you can fit the product to the solution that you're offering to the exact needs that the person who's buying it. And sometimes that's going to mean changing the product, sometimes it's only going to mean changing the copy. And so the reason why you got to understand all that first is because that's what drives the copy. So when you sit down to figure out "Well, we got this prospect here, he's 37 years old, he manages a team of developers, and he works at a corporate company like Microsoft. And what he's trying to achieve is time management." And so there's our prospect. He really needs to leanr how to manage his own time and the time of his team. And then the other side, you got your product which is a software app for time management. It starts with understanding exactly what John Smith over here who works at Miscrosoft what his problems are, what his challenges are, what he really needs out of the product that you're offering him. Once you've got that, then you can go and build the product. Because ideally, the product's driven by John Smith's needs, otherwise it's not going to work for him and once you got that product, and assuming you got those two pieces worked out, because this is the thing, a lot of people come after that. It was kind of really interesting, I was at a marketing conference in the U.S. last September. And one thing I find, maybe this is just me being an Australian, coming from the outside direct response world but it seems a bit everyone always talks about hacks or how to optimize your sales copy, how to get a better funnel. Very rarely, does anyone ever say "Is this business worth having in the first place?" Jeremy: Yeah. John: It's funny how I always come back to this question of like that's the 99% of the battle is, are you selling sh*t that someone actually cares about? That's in a nutshell. But assuming you've got that, assuming you've nailed that or you're in the process of nailing that, how are we going to come up with the same auto-responder or any kind of marketing pieces you think about. I think about like you're on a bridge, you're on (10:01) and on one side of this (10:02), you've got his prospect and he's John Smith, he's got his problem that he needs to track the time to himself and his team and do it accurately and a bunch of different problems like that. And on the other side of the (10:13), you've got your product (10:17). And this could be an ebook on how to save time, it could be a software app, it could be a DVD series,. One thing I'm going to say is that the product doesn't really matter as long as it solves his problems. We've got this. Prospect on once of the (10:28), and the product on the other. The way I see it, the goal of any marketing piece is just to bridge that gap. So when I say bridge that gap, is that you're really going to sit down and list why wouldn't John Smith buy that in the first place? And step number one, he doesn't know what the hell it is, he doesn't even know it exists. So step number one, is making John aware that there is a solution to his product. Now let's say he went to John and say "Here's my solution. Do you want to buy it?" he's going to be like "Well, No. I got no idea who you are." Alright, so there's one objection. He doesn't know who you are. So your auto-responder needs to: Number one, get his attention. Because without his attention, he's not going to know who you are. So that's more of a traffic issue. But then you need to establish the authority otherwise he's going to be like "No, I don't trust you." then he's going to be like "I trust you but I know anyone else who's used this. Do you have any stores? Is there anyone else using this or am I the first person? And it's like therefore you need testimonials and case studies. And so what happens is once you understand what John's all about and what objections he might have, what's really stopping him from making that purchase in the first place? Then you have a list of five to ten main things. Main problems, main objections that you need to handle before he's going to buy that product. And the auto-responder just becomes a bunch of emails or a series of emails, could be a straight sequence, could be segmented in bunch of different ways, but the main thing is it's knocking out each of those objections in as many different angles as possible. Jeremy:Nice. That's a really good point. When I worked with clients, I actually have a 'she', it's like I call my copywriting researchee and it has twelve pages long of information that I fill out based on the avatar of the person and the demographics and the market and the competitors. One of the things on there is I write down a sheet of paper all the objections I could possibly think of and then as I'm writing the copy, whether it's a sales letter or an email sequence, I literally cross off each objection to make sure all of them are hit. The same thing with benefits, because you can create sentences and paragraphs that overcome the objection and then transition into giving them the benefit. I wish I had an example at the top of my head but I don't. So it's good to actually write it down rather than just having it in your head and hoping that you hit all of them. John: Absolutely! Part of the product that I've got to teach the people how to do this, is you make a list of these objections and then you just down. When you write your emails, you write an email for this objection, and then you write for this objection, and then you write for this objection. It's really that simple. Jeremy: Yeah. Let me ask you, what are some of your favorite ways of overcoming those objections. Do you use outside proof or anything like that to overcome those objections or do you just tackle them directly? What are your favorite ways to overcome the objections? John: To be honest, this goes back to understanding John Smith, your prospect. Like for example, my buddy calls me up and he says "Hey, we're all going out tonight for dinner. Do you want to come?" and I'm like "No, I can't." and then he just starts saying stuff "Oh, come on, man. you don't need to work tonight. It's The Friday night. We're going to go out." but low and behold, I wasn't even working in the first place. That wasn't the reason I couldn't go. So what he's done there is he's hit the wrong objection. This goes back to you doing sportsh as a 5 levels of awareness. You've really got to take the time to understand where someone's at in that awareness cycle. And this is from someone who's got no idea that you have any problem to someone who's aware that he has problem, aware that there's solutions out there and he's really just looking between solutions. And every layer in between that is five main layers, although five ways that he splits it up. as for how I do it, with email, storytelling is really the biggest thing you can do with emails. It fits perfectly. But ultimately, you really need to know if the trust is the issue, then you're going to need case studies and you're going to need proof. Maybe trust isn't the issue. Maybe the industry is so well-established, that he doesn't actually need trust. He believes you, he just wants a better price. So what you need to write is you need to have a special offer, where it's a time-sensitive offer for a lower price. It really depends on what angle you're going for. this is why sometimes it's hard. It's much fancier if I can get on a podcast and say "Well, Jeremy. I've got this three-step system..." Jeremy: Yeah. John: Gurus do this all the time. But it's total crap. There is no formula to do it. Jeremy: Like you're saying before, it's the same with little tricks and things like that and little hacks and all that kind of stuff. Most people are trying these weird, little hacks and tracks, but they don't have the basics in place. They're trying to do all of those but they're missing the stories, they're missing the case studies, they're missing the understanding who they're talking to. Like your example before. You're saying giving them the wrong objection. I can't tell you how many email sequences that I'm on and they're like "Do you suffer from this?" or "Is this your problem?" (16:20) notes actually not even close. One of the things you can do to overcome that is segmentation. What are your thoughts on segmentation and writing emails to more, say, you have a 10,000-person list segmenting based on their interests, maybe website behavior, like what pages they visited, so you know more about them. What's your experience on that? John: The reason I'm laughing right now is that I've been so bad at segmenting for so long. It's something that's changing right now. For example, the traffic that goes to my site is probably two main segments. I could split them up in a bunch of different ways but the two main ones are people who want to learn how to write emails themselves and become a copywriter and get their own clients. Maybe they just took off their own business and on the other side is people who had a business and they don't have time to write themselves, they need to hire someone. So it's taken me the longest, it's so easy to do and I did this recently, actually. But it was so easy to set up so now what happens is if someone signs up, the first thing that happens, is the next page is just like "Alright, you're almost done, before I could set you up your email sequence, your tips, answer this question - when it comes to converting more leads to business, would you rather write an email or convert the leads yourself or hire an expert to do it for you?" And so what happens after that now, based on what they say in response, I, then send them a custom sequence. So obviously, an example here would be like, the people who sign up, who want to do it themselves, they're really interested., they want to have a lifestyle, they want to have an automated business, they want to have passive income, email marketing, auto-responders. And on the other side that really want to hire an expert, they're mostly likely thinking about leads, leads, databases, conversions, revenues, then I'm really thinking about email marketing and auto-responders and quick my job and travel kind of thing. And already, I'm so glad that it's already been making a difference. I wish I got started doing this segmenting earlier because I've got a list of thousands of people and I only know the ones recently who are actually interested in hiring someone. Jeremy: And it really is good. There's a lot of ancillary benefits that go along with that. Like number one, you are able target them better and talk to them better and do all the things that we've been talking about the last twenty minutes. Another is your deliverability goes up because your open rates and your click-through rates, and all of your email stats increase so then that gives the email... I don't know the tech behind it. John: The email gotsky. Jeremy: Yeah, the email gotsky. It's like a self-fulfilling prophecy, the higher your opening click-through rates, the higher, they say "Okay, well. You're sending relevant.." It's kind of like Google. You're sending relevant content to them, so I'm going to increase your reputation and that in turn gets better deliverability, so then more people see it, and it keeps that cycle continuous. Same thing with cleaning out your list. Everybody always wants a huge numbers list. This is something I am lacking in too so I can't really harp on anybody for doing this. But cleaning out your list, like looking at people who haven't opened your emails in the last three months or two months or six months and putting them into a re-engagement campaign and not sending to them. If you have a (20:16) to your list that hasn't been engaged in the last six months and then you put them on a separate list and start sending only to people who have been engaged, your open rates and click-through rates are going to go up by roughly 30% and then again, your deliverability goes up and the whole cycle continues. So one question, it's not exactly with auto-responders, but what is your opinion on a lot of people just want to grow their business but I feel like they don't really know why. It's like "Oh, I have to hit seven figures." And my question is why? Why do you want to hit seven figures, or eight figures or six figures? And a lot of people really don't know the answer. What's your opinion on people just growing businesses versus having an actual reason for hitting a specific number to be able to afford a certain lifestyle or anything like that. I know this has nothing to do with emails but it's... John: No, I love this question. This is something that's been on my mind a lot lately because I live in Thailand - Chiang Mai, Thailand. I lot of people live out here because the cost of living is quite low. And when I got here, I was probably a lot more budget-conscious when I first arrived. Now it's I don't have a budget, basically. And if I tried to live the same kind the way I tried to live here, I'd eat out all the time, I'd have great apartment in the best part of the town, taking regular trips to all sorts of places. This weekend, we're doing a dirt bike trip two days way up in the mountains. So one day up, one day back. Renting bikes, all the gear. And one day, I've been chatting to a couple of friends (22:14) today is this idea where when you get into business, especially this whole copywriting, just this whole entreprenuership thing, the whole hustle and grind and who's working the most hours and who had the best product launch, it's so glorified. I feel like it's a one upmanship game where everyone's trying to do better, very few people really stop and get a hang on - do you really want that? Is this really what life's about? Just hanging out? And who can put in the most hours and who can split test and who can build the biggest business because I don't think it is. But you never want to say that because it's kind of sacrilegious to say that like a business in marketing form, Facebook groups or some webinar. Like, no one would ever come out and say "No, I don't want to make seven figures." Jeremy: Yeah. Oh, I do. Like, I say that, I mean. John: Right. Interesting is I'd like to have a start-up that does a $100 million. Like, I'd love to have a copy like that but the more I think about it, I'm reading another book by Felix Denis it's called 'The Narrow Road'. Jeremy: Yeah. It's a good one. John: Yeah. It's (23:34) but I mean. I'm reading (23:37) in one of his essays he mentions that if you want to do a start-up and you want to build and make more of like a $100 million company. But the example was basically they were cramming thirty years of your working life into four years and so doing that means your life is work for that amount of time. And it's not as simple as that, it's not like you do it for four years and you bail, you go for four years and you go public, then there's a bunch of more mess, and the works gets even bigger and your health suffers, and it's going to be quite hard to manage any kind of social life, let alone a marriage or kids or anything like that. We're often sold the dream and we sell each other on this, this dream that you can have anything you want and it's just not true. It's kind of like you can have anything you want but you can't have everything. What I think about me for me personally, I enjoy living in Thailand. It would be easier if I was in the U.S Timezone, for example. But I prefer living out in Thailand. There's cost with that. Or it would be very hard to have a start-up out here. Or I like going to the gym and taking off to the gym for two hours, couple times a week. Or taking an afternoon off. Like today and yesterday, I took a nap in the park. Read a book, took a nap, you're just here, you don't feel like working, you're just like sweet! All I can chill, read a book, take a nap, listen to the birds, and if you're going to build a million dollar company or a ten million company, those moments, when you get to do a lot of that stuff, become a lot rarer. But no one's willing to talk about that. Jeremy: Yeah, I know. It's something that I'm really focusing a lot on in my life, like I've hot the point where I don't "need" more money. I'm taking care of everything. Like, my lifestyle, I do pretty much whatever I want to do which now I'm limited because I have a one and two-year-old. But I've been thinking about this a lot lately. And it's like, my kind of growth strategy is I want to continue growing just because I like the challenge of it, but I keep a criteria that I work up until 3:30. Usually 3:00. 3:30 is like my max end time in the afternoon so I'm growing as much as I can and focusing on net income, not gross. I don't care about gross, whatsoever. But focusing on net, what I actually bring home and can write checks with. But I won't work past 3:30. That's my criteria. I think it's good for people to have criteria. Maybe you work really hard during the week, you take the whole weekend off. I made a new webinar. It was a two to three weeks ago and people's excuse for the whole workaholic thing is "My business is my passion." So I work constantly for that and my response is always "Man, you must live a boring-ass life because if you have one passion, that must be awful." Like, why would you want to live life with one passion. Working is my passion. I love working, I live writing, I love coming up with strategy and all that kind of stuff. But I do that for the third of the day. And then I get spend time with my kids and spend time with my wife. I do the same thing, if I just don't feel like working in the afternoon, I'll take a nap, or I'll go out back and work out, play with the kids in the yard, go for a walk. You have to ask yourself why? I want to double my business this year - why? John: Eventually, like, one thing I've found and this has been fairly common of the guys I know in Thailand is no matter where you live, if you go to business, eventually you're going to get to the point where you make enough money to do all these you want and save some money, like you've covered all your bases. Then it's like "Well, I could keep working hard and there's wrong with that and it can be really fun to work hard but the bigger question, and this is the one I've been trying to work on lately, is (28:22 - 28:24) but for the most part, life is free and amazing. Like, I'm traveling around and I'm 25. So I'm like young, got this cool stuff going on, but then it's a bit like "Well, now, what now?" It's fun to have a mission and I enjoy the challenge of doing the business and growing your business, but I don't want to do it all the time. So the question becomes "What does it mean to have a good life, to build a good life?" And the answer's going to be different for everyone and I'm still figuring it out what that means to me but in many ways I love my job, I love working hard, I love the challenge, I love getting in the ring and having a go but I don't think grinding on the laptop all day, that I won't do. I agree, if someone's life is just working, I don't know how that fun that is. Jeremy: I know. I never got that. For me, I think I'm a little bit lucky in the sense that as my kids were growing up and as Katie was pregnant, that's when my business started taking off and I wasn't already a workaholic before kids, it kind of happened in lock step. I think I'm a little bit lucky in that sense that I was able to cement those values at the right time. Because let's just say you had kids at 35. And from 20 or 25 to 35, you were a workaholic, you were building a big business, it's hard to break out of that and I understand that. But I also think that a lot of people use it as a crutch, it's like "Oh, I have to..." Here's a good example, I have one client, she has a three and a half billion dollar business, the personal income is very high, more than anybody ever needs, she can have an awesome lifestyle, but I've been harping on her. I'll try not to say too much information so people won't know who is but I've been talking with her lately and she just e,ailed me last week and her husband booked a vacation for nine days away, they're taking free days because I introduced her to Strategic Coach, the free days and all that kind of stuff, where you take the day off where it's zero business. There's no email, there's no thinking about business, no talking about business, like no business whatsoever and she emailed me that she and her husband booked 9-day vacation away and there's no cellphone reception or anything like that. And she said that she hasn't had time away from her business since 2006... John: Wow... Jeremy: But it is possible, she went all those years and she was just stuck in that rut of just working and working and working and working and what broke her out of it was her daughter, she's really sick, she got like a tick (31:52) illness, I think (31:53) disease, I would imagine. And so she's in the hospital a lot, like one of her flares up, she has it really bad, apparently. So this client, she's like "I can't like I have anymore because I need to be there for my daughter." So she finally made the decision to make less money and scale back the business so she can have more free time. It's interesting. I think it's definitely worth thinking about for people. And on eof the things that helps with me, I know exactly how much money I need ti have my "perfect dream lifestyle" plus have enough savings for like long-term financial independence (32:46) real estate and all that. Plus, I always leave in a buffer, for like, kind of the just in case and then taxes and then everything. But I have a specific number that I'm trying to reach and I'm not quite there yet, I'm starting to get close but I'm not quite there yet but I have a specific number that when I hit it, it's like trying to hit that number without working longer and that's my thing that I came up with that works really, really well for me. So everybody should just think, map out your dream lifestyle, exactly how much money you need and then work to get that. You can probably do with a lot less, by the way. You really don't need that much. John: This is like a fascinating thing because like this is... This is the (33:40) I've noticed about businesses is a lot of people want to get into it to make more money, to have a better lifestyle, they're often one of like good financial sense, look at investors, anything to do with money and economics, is one of the best things you can do is just learn to spend less than you are. While earning more can help and you can have a better lifestyle and all that, like (33:59) today, actually. I was online, that was a lady's site, multi-level marketing something, the testimonial was like "We started making all this, we bought a new house and we bought a new car." that's one of the worst things you could've done. Jeremy: I know. John: Because that cements, that's enlisting yourself, because I'm assuming they probably would have up'd the house payments, up'd the car payments, because people have consumer mentality. At a certain point, you're going to realize this what's pretty much living in Thailand is getting this experience of having a huge amount of wealth without spending that much money for it. You kind of realize, well, there's not much difference. I stayed in $300 a night business hotels in Bangkok and afterwards, it's a nice hotel and it was cool and everything but it's really not much different from a $50 a night hotel. Jeremy: Yeah. John: I like motorcycles. I could buy a Ducati for $35,000 but then I'm like "I'd get another bike for $7,000" and it's going to do %99 of the same enjoyment for way less or even better I can just rent a motorcycle every week, whenever I feel like going, then I don't have to deal with licensing, the registration, I don't have to deal with insurance or any of the stuff and I can have a bike anytime I want I want to go and ride it. Jeremy: One of the things that helps with that is getting rid of your ego. John: Yeah. Jeremy: If you're buying stuff that's more high-end, it's almost always because you want other people to see that you're successful. And maybe that pisses some people off but that's the truth of it. John: Have you read 'The Millionaire Next Door'? Jeremy: Yeah. That was a good book. John: One of the lines that stuck with me (35:47), he basically said that "At a certain point, you've got to choose, with the money that we all have, you got to make a choice between how you're going to spend the money to acquire social status, which is basically buying high-status items like nice cars, houses, watches, clothes, anything that makes you look better as a person, or you're going to use that money that you make to prioritize wealth-building which means investing and saving and living in a worse neighborhood, buying second-hand cars, and not buying expensive shoes." There's a choice and people don't realize that they're making a choice when you go buy a new house or a new car or something nice, you're prioritizing ego and social status instead of wealth. I think if some people think about it, they might realize because this is what I think about like I like social status too. I'd love to have a Ferrari but what's more important to me in the long run where I'd rather have the wealth. I think I'd rather have the wealth and freedom than the Ferrari. Jeremy: Yeah, and with the wealth, like a view of $10 million sitting in the bank, it's peace of mind. Then you can go out and buy a Ducati or whatever. But get the wealth sitting in the bank first. And start (36:59). I was doing some Funnel Days in Florida. I went in and rented, for my car, because I've never been a car person, when I was a teenager I was into the Riser kind of car, the little like the Eclipses and the Hondas and all that, they're all loud, the Fast and Furious kind of stuff which I this is absolutely embarrassing now, but I sued to be into cars but not really that much, so when I was in Florida, I was like, "You know what? I'm going to see what it's like to drive a really fast car." So I got this high-end Mustang and I was like it's cool driving around in it, it makes you feel like a big hotshot and it's fast and it's fun and all that kind of stuff. But it's just not worth the extra you're going to spend. I have an expensive car, I have a Tahoe but because we have kids and we need the extra space. We always have strollers in the car our other car that we have is an Equinox which is not really expensive but it doe the trick. It gets you from A to B and it's not this big, fancy, high-end car. And the same, the Tahoe, it was more expensive but we needed the space. we needed the extra seat in the car, we needed the trunk room for the strollers and stuff so it's a pretty practical car but most people don't need big, giant cars like that. but it's interesting what people spend their money on and why they spend their money that stuff. John: Yeah, really interesting. Jeremy: Wait. I know the conversation kind of took a pretty wild turn from emails. I apologize. My voice, if it's starting to get hoarse, I've been battling a cold now for like ten days and it refuses to go away. But yeah, it was a pleasure talking to you. Before we head off, thanks again for everything. But before we head off, tell everybody about who can benefit from getting into your world and what do you have to offer people? John: Sure. So what I do I mean (39:38) the email marketing stuff, so if you want to learn emails better want to basically convert more leads into customers, that's what I do. So if you head over to my website that I operate from is www.TheMcMethod.com. There's a bunch of stuff there. I've got a podcast. I'm almost up to 100 episodes and every episode is an interview with a marketer, like Jeremy, which should be live in a couple weeks. I've got Perry Marshall, John Carlton, John Benson, Russell Brighton, some of the biggest guys in the industry and exactly what their marketing strategies are. Honestly, that'll be the best place to start but there's obviously, I sent that email tips which he heard a little about the funnel here. And there's a community and coaching and all that sort of stuff which you'll see in the back end but I'd say the place to start would be to check out the site and have a listen to the podcast, if you like that, join the list, and hit me up. Jeremy: Yeah. Sounds good. Alright, thanks everybody for listening. As always, if you got value out of this, share it, and write reviews on iTunes because that helps to get more people listening to the podcast, make sure to send it to your friends, and colleagues, anybody who would benefit, head over to JeremyReeves.com. If you have any questions or you would like to work with me or check out any of my products or go to www.TheMcMethod.com to check out John's stuff and we'll talk to you next time. John: Sounds great, Jeremy. Thanks for having me. Jeremy: Alright, thanks. Have a good one.