Podcasts about sba

Register for the webinar:Common Legal Diligence Issues (and How to Handle Them) - July 17th - https://bit.ly/4kwHlbwYan Vinarskiy began as a self-funded searcher but shifted his model mid-search when he found a business too big for SBA.Topics in Yan's interview:Using a buy-side broker to search and closeBeing inspired to take on a large dealTrade-offs of independent sponsor economicsBoard dynamics and governanceBuilding a pitch deckRefining his investor pitchHostility from sellers after closeTransforming a toxic company cultureExpanding the business modelManaging 2 separate businessesReferences and how to contact Yan:LinkedInFloorguardCalder CapitalNiklas James on Acquiring Minds: Self-Funded Search vs. Independent SponsorshipMike Okhravi on Acquiring Minds: Doing It His Way: First-Timer Buys 2 at OnceLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

In this episode, we've distilled the essence of an insightful conversation that sheds light on the intricacies of SBA regulatory compliance, subcontracting, and potential pitfalls to watch out for. Our guest, who brings over a decade of expertise, advises caution when small businesses seek assistance from larger counterparts. It's crucial not to assume that the large business fully comprehends the complexities of SBA regulations. From misinterpretations to misinformed presentations, there's a lot at stake. However, the stakes are higher for small businesses working with large contractors on prime sub-level projects, especially in set-aside scenarios. The focus shifts to "ostensible subcontractor affiliation" and "undue reliance." The former pertains to specific procurement affiliation, attaching only to the project in question, while the latter concerns the reliance on the capabilities of the subcontractor. So, if you're a small business eyeing collaborations with larger contractors or a large contractor seeking to partner with small businesses, this episode is a goldmine of practical insights. Join us in unraveling the nuances of these collaborations and discover how to make them mutually beneficial without falling into the regulatory traps.

In today's Fast Break we're excited to bring you (a snippet) of our panel discussion at the recent Athletech Innovators Summit held in NYC, July 2025. Integrity Square Founder and HALO Talks host Pete Moore moderated a panel with Mark Federico (CEO of Fitness Holdings/Crunch Fitness) and Terry Blachek (Orange Theory Fitness) for a deep dive into the real-world challenges—and strategies—of scaling fitness franchises. Mark Federico's Growth Playbook Mark walked us through his journey, from running a nine-club independent brand to leading a 50+ club Crunch Fitness operation across 10 states. He shed light on the big question: Build new locations (greenfields) or buy existing ones (acquisitions)? He shared the calculus behind each approach, breaking down real cost factors and explaining why “development space” is critical for franchisees. Franchise Valuation—Not All Clubs Are Created Equal Many single-gym owners want “big company” multiples, but Mark explained why scale, growth runway, and strategic value make a huge difference in valuation. Pro tip: Buying a single club isn't the same as absorbing a whole region. If you want premium pricing, bring growth potential to the table. Financing Franchise Expansion Terry opened up about the risks and strategies he used to finance Orange Theory locations, including SBA loans, finding investor partners, and personally guaranteeing leases. They discussed what it really takes to stand behind a business—sometimes with tens of millions in personal guarantees—long before private equity gets involved. The Realities (and Rewards) of Entrepreneurship Both guests emphasized the massive personal and financial risks entrepreneurs take to build these fitness empires. Pete made an important point: These risks deserve respect and reward, not scorn. Bonus Insight: The "Microwave vs. Crockpot" Growth Model Terry shared Orange Theory's approach to expansion, balancing rapid growth with careful, sustainable development. If you're a franchisor or area developer, this is a must-hear perspective. Want to learn more? (You should. Otherwise you're playing checkers while the rest of the industry plays chess.)  Give us 10 hours of your time at the next HALO Academy starting Sept 8, 2025. Register at https://www.thehaloacademy.com now for $495 and earn a $100 gift card from our friends at Promotion Vault.  Testimonials at https://www.thehaloacademy.com/testimonials  ================================================== Thanks to Promotion Vault and HigherDose for sponsoring. For 15% off products sitewide (excluding bundles, kits, and full saunas) use the code GOHALO at https://www.higherdose.com Resources  Athletech News: https://athletechnews.com Mark Federico: https://www.linkedin.com/in/mark-federico-163069182 Terry Blachek: https://www.linkedin.com/in/terry-blachek-78431a174 Orange Theory Fitness: https://www.orangetheory.com Crunch Fitness: https://www.crunchfitness.com 

Join me, Rick Howard (Lt Col, Ret.), as I break down everything you need to know about government contracts for small businesses, from what they are, how to find them, and the secrets to winning. Learn how to leverage set-asides, certifications, and market research to position your business or career in this lucrative space.Get the GovClose Certification: https://www.govclose.com/sales-certification In the GovClose Certification Program our students learn the government contracting skills to:Start their own consulting business that can earn up to $400k as a "solopreneur" advising businesses that sell to the government.Land high-paying sales executive jobs with companies selling to the government.Chapters:00:00 What Are Small Business Government Contracts?01:00 What Does The Government Buy From Small Businesses?01:45 How Does The SBA Define a Small Business?03:00 What Are Set-Asides & How Do They Work?05:00 Types of Small Business Certifications Explained06:00 Government Goals for Small Business Contracts in FY2509:00 Why So Few Small Businesses Sell To The Government?12:00 How Much Money Do Small Businesses Really Make in Government Contracts?14:00 Why Most Businesses Fail at Government Contracting17:00 How To Find Government Contracts Before Everyone Else19:00 How To Use USAspending.gov To Research Opportunities25:00 Common Mistakes Businesses Make & How To Avoid Them29:00 How Competitive Are Small Business Contracts?33:15 Competitive Research: Analyzing Successful Small Businesses37:00 Who Are The Top Buyers of Small Business Services?44:00 Example: Waste Collection — A Surprising Opportunity49:00 The Opportunity & Decline in Competition in Gov Contracting50:45 How To Register Your Business in SAM.gov54:15 How To Find & Respond to Solicitations on SAM.gov59:00 Why You Should Engage During the Market Research Phase1:02:00 Responding to Sources Sought to Influence Contracts1:07:00 Building a Pipeline & Strategy for Long-Term Success1:08:30 Final Thoughts & How To Join GovCloseKeywords:#governmentcontracts #smallbusiness #smallbusinessgovcon #businesscertifications #set-asides #governmentcontract #samgov #governmentprocurement USAspending.gov guide, how to find government contracts, sources sought explained, SBA small business goals, winning government contracts, government contracting trainingJOIN the GovClose CommunityRING the bell

And a lot of times we don't see the value in things that we are passionate about and do really well.It's only when we engage in conversations with others, that we realize that some of the things that they see in us, we often took for granted because it's just what we do.In this episode, we are talking with Crispina ffrench, entrepreneur, online coaching pioneer, and book author how to turn your passion into a successful business with minimal funds and resources and earn a living by doing something that you love.In addition to being an environmental optimist, Crispina ffrench is an OG Used Clothing Recycler/Up-cycler who began using discarded clothing as raw materials for her collection of stuffed toys called Ragamuffins as a college student in 1987.Two years after graduating from Mass College of Art and Design Crispina's recycling company grew to manufacture clothing and home goods and employ 40, serving over 350 international retail outlets.In 2009 ffrench's teaching book The Sweater Chop Shop was published by Storey. Crispina began teaching her craft and sharing her knowledge about the importance of careful textile consumption. She has been awarded the SBA's National Young Entrepreneur of the Year award and been a guest presenter at the Social Venture Network's annual conference. Crispina works with large volume textile waste generating companies turning their waste into marketable product. Her best-known projects are with Patagonia and Eileen Fisher where she initiated the well documented ReWear and ReNew programs.Today Crispina is focused on helping creative textile recycling and up-cycling entrepreneurs build businesses that support their ideal lifestyle while nurturing the planet and building awareness of our textile waste crisis and each individual's ability to affect change.Find the full show notes here: https://onlinemarketingpodcast.com/from-passion-project-to-profitable-business-interview-with-online-coaching-pioneer-crispina-ffrench Resources:Crispina ffrench Website- UPCYCLE, grow impact, live your ideal Life – How to design a thriving upcycled textile business. Adaptive Marketing Program - Adaptive Marketing Program is an exclusive opportunity for online business owners, coaches, course creators, and membership site owners to play bigger and bolder in their business and explode their bank account with more clients!For a list of our resources & recommendations visit: https://onlinemarketingpodcast.com/learn-with-paul-melissa/Connect with Crispina:Instagram: https://www.instagram.com/crispinaffrench/Facebook: https://www.facebook.com/crispinaffrench/YouTube: https://www.youtube.com/crispinaffrenchLinkedIn: https://www.linkedin.com/in/crispinaffrench/Website:...

This episode is unlike anything we've done before. We brought in two powerhouse guests, Adam Maggio and Mark Andrew, who are flipping the game with AI, blue collar funding, and smart business moves. These aren't just guys we know. They're operators, builders, and innovators changing how business is done in the trades and beyond. What we unpack: - How to use AI agents to handle sales, dispatch, SOPs, and customer service - Real-world examples of AI closing deals, evaluating businesses, and running ops - The future of trades in an AI-powered world (hint: it's bright if you're adapting) - Why white-collar jobs are more at risk than blue-collar ones - How to analyze a business, negotiate an LOI, and secure SBA funding—using AI - Tips for creating systems so your team can run at 70% of your ability and still win - The mindset shift from doing the work to building machines that do the work

Top headlines for Wednesday, July 16, 2025In this episode, we delve into the impactful legacy of John MacArthur, the renowned pastor and Bible teacher who passed away at 86, leaving behind a significant theological influence. We also cover the ongoing legal dispute between a church and the University of Maine System, where allegations of religious discrimination take center stage in a property sale disagreement. Lastly, we explore recent developments in the Middle East, focusing on Israeli Prime Minister Benjamin Netanyahu's latest statements regarding his role and responsibility amidst recent conflicts and the Hamas invasion of October 7, 2023.00:12 John MacArthur, renowned pastor and Bible teacher, dies at 8601:12 SBA creates Center for Faith, lets religious orgs apply for loans02:09 'KPop Demon Hunters' song inspired by 'sin'02:59 Maine church continues legal battle against university system03:48 Russell Brand claims God allowed addiction, demonic attacks04:34 Netanyahu denies personal responsibility for Oct. 705:15 Liberal orgs end Catholic charter school lawsuit, declare victorySubscribe to this PodcastApple PodcastsSpotifyGoogle PodcastsOvercastFollow Us on Social Media@ChristianPost on TwitterChristian Post on Facebook@ChristianPostIntl on InstagramSubscribe on YouTubeGet the Edifi AppDownload for iPhoneDownload for AndroidSubscribe to Our NewsletterSubscribe to the Freedom Post, delivered every Monday and ThursdayClick here to get the top headlines delivered to your inbox every morning!Links to the NewsJohn MacArthur, renowned pastor and Bible teacher, dies at 86 | Church & MinistriesSBA creates Center for Faith, lets religious orgs apply for loans | Politics'KPop Demon Hunters' song inspired by 'sin' | EntertainmentMaine church continues legal battle against university system | U.S.Russell Brand claims God allowed addiction, demonic attacks | EntertainmentNetanyahu denies personal responsibility for Oct. 7Liberal orgs end Catholic charter school lawsuit, declare victory | Politics

Dr. Stephen shares the real-world challenges and wins from launching Bonfire Wellness, a new family-run wellness center focused on recovery, vitality, and longevity. In this episode, he unpacks lessons from the first six months of operating the business, including what went right, what went wrong, and what he'd do differently. From a costly $350,000 contract mistake to retraining ICU nurses in inside-out health principles, Dr. Stephen breaks down the difference between owning a business and operating one. He also gives a clear view into what happens when chiropractic philosophy is applied to a non-chiropractic venture.In this episode you will:Learn how to apply the Five Domains to a wellness startupAvoid costly legal oversights during buildout and hiringDiscover how to onboard medical staff into a vitalistic health modelHear how strong messaging shapes marketing and salesUnderstand the shift from hands-on operator to strategic ownerEpisode Highlights1:37 – Introduction to Bonfire Wellness and the inspiration behind its launch4:40 – Why lifestyle alignment is essential to wellness and not just weekly adjustments6:44 – The decision to shelve Bonfire in the past and focus on one business8:17 – Lessons on wealth building and the myth of running multiple businesses10:09 – How Dr. Stephen's family became co-founders of Bonfire Wellness13:19 – Full family involvement and the leadership roles within the business16:19 – Lessons learned from buildout mistakes and overspending19:03 – How one missed contract detail cost $350,000 and what to do differently21:08 – Using credit instead of SBA financing and the impact on cash flow22:39 – Shifting ICU-trained nurses into a vitalistic model of care24:57 – Why the education of the team was the most critical investment25:52 – Building the brand with referrals, internal, and external marketing26:45 – The role of SEO and digital ads in a modern wellness center28:10 – Future plans for diagnostics, business roles, and financial systems29:52 – Operationalizing and professionalizing a new business from day one31:24 – Vision for multi-site growth and what's next for Bonfire Wellness32:30 - Dr. Chris is joined by Success Partner, Dr. Jeff Langmaid of The Smart Chiropractor to discuss Patient Pilot, a reactivation tool designed to bring past patients back into care. The system sends short, personalized emails that match the voice of the practice, tracks engagement in real time, and builds smart recall lists for more efficient outreach. Discover why reactivation should be a core focus for any growth-minded chiropractor. Resources MentionedTo learn more about the REM CEO Program, please visit:  http://www.theremarkablepractice.com/rem-ceoFor more information about The Smart Chiropractor please visit: https://thesmartchiropractor.com/Schedule a Brainstorming call with Dr. PeteFollow Dr Stephen on Instagram: https://qr.me-qr.com/l/riDHVjqt  Follow Dr Pete on Instagram: https://qr.me-qr.com/I1nC7Hgg  Prefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1To listen to more episodes visit https://theremarkablepractice.com/podcast/ or follow on your favorite podcast app.

In this conversation, Steve Mariani, an expert in SBA financing, discusses the intricacies of SBA loans, including when to use them, their eligibility criteria, and the differences between the 504 and 7A loan programs. He emphasizes the importance of SBA financing for small businesses, particularly in real estate acquisition and expansion. The discussion also touches on the demographics of SBA borrowers, highlighting opportunities for younger entrepreneurs and the evolving trends in SBA financing. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Show SummaryOn today's episode, feature a conversation with Rear Admiral Terry Kraft, US Navy, Retired. Terry is the President and CEO of the USS Midway Museum, the longest-serving aircraft carrier int eh 20th Century that is now a museum in San Diego. Terry also serves on the board of directors for PsychArmor, and we talk about both of those roles in our conversation.  Provide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestRetired RADM Terry B. Kraft's military service spanned a remarkable 34-year Navy career highlighted by unparalleled leadership across diverse domains. As the son of a Navy captain, he graduated from the U.S. Naval Academy in 1981 and earned his designation as a Naval Flight Officer in 1982. His academic achievements include a master's degree in political science from Auburn University, a fellowship at Harvard's Kennedy School of Government, and graduation from the Navy Nuclear Power Program. Throughout his military service, RADM Kraft excelled in operational and strategic roles. He commanded aviation squadrons, ships, and a carrier strike group. As Executive Officer of the USS Theodore Roosevelt, he contributed to major operations including Desert Storm, Iraqi Freedom, and Enduring Freedom. His pivotal shore assignments included roles with VA-128, the Air Command and Staff College, U.S. Pacific Command, and the Chief of Naval Operations staff. His leadership in Maritime Aviation, Unmanned Aerial Systems, and Intelligence and Surveillance capabilities reflects his strategic vision and innovative approach. Additionally, he commanded the Navy Warfare Development Command and U.S. Naval Forces Japan, where he spearheaded critical initiatives to advance naval operations.After retiring from the Navy, Terry continued to demonstrate exceptional leadership in the private sector. From 2015 to 2023, he held senior management roles at General Atomics, driving technological and strategic advancements. Now, as President and CEO of the USS Midway Museum, he combines a commitment to preserving naval history with a passion for public education—values closely aligned with PsychArmor's mission. Terry and his wife, a fellow Navy veteran, reside in San Diego, where they enjoy attending music concerts and spending time with their children sailing around San Diego Bay. Links Mentioned During the EpisodeUSS Midway Museum WebsiteTerry's Bio on PsychArmorPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor Course, the Basics of Military Culture. Understand key values, customs, and experiences unique to service members and veterans through stories from six American service members. Perfect for employers, healthcare providers, and anyone working with military-connected individuals. You can find the resource here:  https://learn.psycharmor.org/courses/military-culture-series Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on TwitterPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Vending is a low-cost, semi-passive business that can provide steady cash flow while requiring minimal time and effort. In this video, we break down how to start, finance, and scale a vending machine business—even if you have no prior experience!

Chris Holman welcomes Sean Cervantes – Business Development & Growth Officer at LAFCU, Lansing, MI. He had several questions for Sean in this interview: Q1: Can you tell us a little bit about the We are ER Block Party? A: The We Are ER Block Party is a free, family-friendly community event hosted by LAFCU to celebrate and connect with the Eaton Rapids community. Open to the public, the event is designed to bring people together for a fun afternoon of music, games, and entertainment while promoting financial wellness. The event takes place this Friday, June 13, from 11 am to 4 pm at LAFCU's Eaton Rapids branch, located at 1505 Kyle St., in Eaton Rapids. Q2: What activities and entertainment can attendees expect? A. Guests can enjoy free MOO-ville ice cream, bounce houses, DJ music from Ozay Moore of All of the Above Hip Hop Academy, and a caricature artist. Kids and families can explore a “Touch a Truck” experience with fire and police vehicles, pose with giant painted LAFCU letters, and enter raffles to win prizes from local businesses like Mr. Leslie's Cheesecakes, Moneyball, and more. Food trucks, including Big Cheezy Grill and MOO-ville, will be onsite. Q3: Will there be any special offers or giveaways for LAFCU members and attendees? A: Yes! New LAFCU members and current members who open a new product or service during the event will receive a $10 voucher to Big Cheezy Grill and have the chance to step into LAFCU's interactive Money Machine for a shot at grabbing some cash. Q4: Are there educational opportunities during the event? A: The event features four free financial sessions inside the branch throughout the day, covering mortgage tips for homebuyers, smart money moves in today's market, LAFCU lending programs and SBA 7(a) loans, and an overview of LAFCU's products, services, and the Eaton Rapids team. Q5: Where can people find out more information about the event? A: To learn more about the We Are ER Block Party, including the full schedule of activities and financial sessions, visit lafcu.com/weareer. (LAFCU dot com slash We are ER) The page includes details on everything planned for the day and will be updated with any new announcements. Everyone should come on out Friday at the Eaton Rapids LAFCU from 11 a.m.- 4 p.m.! » Visit MBN website: www.michiganbusinessnetwork.com/ » Subscribe to MBN's YouTube: www.youtube.com/@MichiganbusinessnetworkMBN » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/

Chris Holman welcomes Everett M. Woodel, Jr. , SBA - Great Lakes Regional Administrator. Welcome Everett, you've stepped into the role of new Great Lakes Regional Administrator . Can you briefly share some of your career up to now? Can you tell us more about the new Made in America Manufacturing Initiative and how it's aiming to boost U.S. manufacturing, especially in the Midwest? What is the SBA's new Onshoring Portal, and how can it help small businesses connect with domestic suppliers? The SBA is asking small businesses to share burdensome regulations—how can business owners participate in this effort to cut red tape? Michigan manufacturers have been active in this initiative—can you share highlights from the Manufacturing Roadshow's visit to the Detroit area? What does it mean for Michigan that Greg and Shelley McArthur of NTL Industries were named National Small Business Persons of the Year? » Visit MBN website: www.michiganbusinessnetwork.com/ » Subscribe to MBN's YouTube: www.youtube.com/@MichiganbusinessnetworkMBN » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/ The SBA's new Made in America Manufacturing Initiative aims to fuel a manufacturing resurgence that will reshore manufacturing and revitalize communities across the country. SBA Administrator Kelly Loeffler kicked off the initiative in the Great Lakes Region, highlighting the key role that manufacturing plays in the region's economy. As part of this initiative, SBA created an Onshoring Portal, a free tool to connect small businesses to a network of 1 million domestic suppliers. Also, SBA wants to hear from small businesses about burdensome regulations that get in the way. To share your challenge via the Red Tape Hotline. Michigan small business owners can leverage the U.S. Small Business Administration's extensive network of lenders and resource to help them start, grow and expand. For more about SBA loan programs, click here. To find an event near you or a virtual event about a specific topic, click here. For more information, visit the SBA Michigan District Office. Entrepreneurs can also tap into Michigan's SBA Resource Partner network where they will find free and low-cost counseling services, SBA Resource Partners can be a small business owners' best friend – offering business advice and mentorship during all phases of their small business journeys. BACKGROUND ON EVERETT Everett M. Woodel, Jr., is the new Great Lakes Regional Administrator, overseeing operations in the six-state region, which includes Michigan, Illinois, Indiana, Minnesota, Ohio and Wisconsin. His appointment started in March. Previously, Everett served 6 years as the SBA District Director in the SBA office in Columbus, Ohio. In January-February, Everett spent a month in Washington, D.C., as Acting Administrator until Administrator Kelly Loeffler was confirmed by the Senate. He held executive roles in both the public and private sectors, including serving as Regional Director for VEIC and Director of Business Development at American Structurepoint, Inc. He also held leadership positions in Ohio state government, including Director of Public Affairs for the Ohio Treasurer's Office and Director of Operations for the Industrial Commission of Ohio. Everett's mom owned a small business (bakery) for 45 years in Fremont, Ohio, where he grew up.

Register for the webinar:Common Legal Diligence Issues (and How to Handle Them) - July 17th - https://bit.ly/4lo4SwuAccomplished CEO Marci LaRouech sought to build a business without investor pressure. A sub $1m HR firm was the way.Topics in Marci's interview:Leading Makai HR through growth and exit as CEO2 reasons she likes project workComparing HR consulting and PEO business modelsAcquiring Seay HR with 40% seller financingLeveraging associations and networks for client growthBuilding a strong team for high-touch HR serviceGrowth in fractional HR workBecoming the leading HR firm for the pest control industryHow AI can be useful for human resourcesEase of hiring in HRReferences and how to contact Marci:LinkedInmarci@seay.usSeay HRSeay HR ETA for SearchersIris Levine on Acquiring Minds: $6m Business, 3 Minutes From Childhood HomeWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact mark@aspenhr.comConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Matt Ebert opened his first body shop with $100K in credit card debt, no formal education, and no safety net. Today, he runs Crash Champions—one of the largest collision repair companies in America, with over 600 locations across 38 states. But Matt didn't scale overnight. He bootstrapped for 15 years, maxed out SBA loans, stretched every dollar, and nearly lost everything trying to get past four shops. He didn't bring on private equity to cash out—he used it to double down. In this episode, Matt shares what it really takes to scale a gritty, blue-collar business into a national powerhouse—without losing control, culture, or clarity. In this candid conversation, Matt reveals: Why most businesses break at location #2 (and how he survived) How he grew past cash flow hell and vendor delays What he looked for in a private equity partner—and what scared him most How he keeps culture strong at 600+ shops Why staying founder-led gives him an edge What he's building toward now—and why he's not slowing down Key Lessons: Survival Comes Before Scale – You can't grow what you can't keep alive Think Bigger, But Know Your Numbers – Dreams need discipline Use Capital, Don't Depend on It – PE should be a lever, not a life raft Don't Rob Peter to Pay Paul – Scaling can backfire without the right team in place Founder-Led Still Wins – When you've done the job, people trust your leadership Host: Tyler Martin, Think Business Podcast Want a financial strategy that scales with your service business? Let's talk:

Shooiing at Kentucky church...church leaders in Israel condemn reported violence against church in the West Bank...and friends and church members advocating for Iranian Christian asylum seeker detained by ICE.

Six months ago, Nicole Lapin lost her home in the LA fires. Today, she opens up about what the last six months have really looked like: the emotional toll, the bureaucratic maze of FEMA and SBA, the painful process of replacing IDs and legal documents, and the financial strain of waiting on insurance. But this isn't just a story of loss—it's a roadmap for anyone facing a crisis. Nicole shares hard-won lessons, must-do prep work (digital go-bags are non-negotiable), and why asking for help is not weakness—it's strategy. Plus, she pulls back the curtain on the systemic cracks in disaster recovery that often go unspoken.  All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

By reconceiving the paint dealership he bought as a marketing & sales organization, Ryan Adams pushed it to new heights.Topics in Ryan's interview:Transferring from military to businessFocusing on selling one serviceUnderestimating working capital needsThe business tanked after acquisitionRescuing the company by fixing his sales processProperly incentivizing for the outcome he wantsLearning digital marketing himselfCost per acquisition metricWhere he finds good sales guysExpanding his territory by buying a competitorReferences and how to contact Ryan:LinkedInRhino Shield$100M Leads: How to Get Strangers To Want To Buy Your Stuff by Alex HormoziDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact mark@aspenhr.comWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

When you hear the statistic that startups in the United States have a 90% failure rate - what thoughts come to mind? Does it deter you from chasing your dreams of becoming a business owner or entrepreneur? On the other hand, Matt came into business as a private equity investor with a firm belief that buying a business is a better strategy than starting one. Furthermore, the process may not be as strenuous as one may think - but where do you start? Tune in to episode 225 as Matt speaks to how useful the SBA can be along this journey, discusses the flexibility within acquisition criteria and much more! For more information:Website: mattbodnar.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we sit down with Johnny Ayers, founder and CEO of Socure, to uncover why government fraud rates remain stubbornly high compared to the private sector—and what it will take to fix them. Johnny shares lessons from working with 17 of the nation's 20 largest banks, state and federal agencies, and over 600 fintechs. Together, we explore the flaws in identity infrastructure, the challenges of updating records like the Death Master File, and the cultural and incentive misalignments that allow billions in fraud to persist. The conversation dives into the realities of Social Security, Medicare, Medicaid, and unemployment insurance fraud, the evolution of scams during the pandemic, and the urgent need for better data sharing, technology, and legislation. If you're interested in the intersection of technology, policy, and the future of fraud prevention, this episode is for you.Johnny Ayers: https://www.linkedin.com/in/johnnyayers/00:00:00 - Why Is Government Fraud So Persistent?00:01:05 - Introducing Johnny Ayers & Socure's Mission00:01:20 - The Biggest Problems at Federal Agencies00:02:15 - Death Master File: Flaws and Opportunities00:04:43 - How Big Is Government Fraud? The Numbers00:06:37 - Identity Is a State, Not Federal, Issue00:08:19 - Data Sharing Gaps & The $5 Billion Problem00:09:24 - Medicare & Medicaid: How Fraud Slips Through00:10:09 - What AI Can Do for Fraud Detection00:11:25 - SBA & PPP Loan Fraud During the Pandemic00:12:24 - Why Did COVID Relief Lose 10% to Fraud?00:14:32 - Incentive Alignment Problems in Government00:16:02 - Getting Contractors Onboard with Fraud Prevention00:17:11 - Why It's Hard to Access Benefits You Deserve00:18:21 - What's a “Leakage Rate” in Unemployment?00:19:04 - How Can 80% of Claims Be Improper?00:20:00 - Why State Tech Gaps Make Fraud Easy00:22:08 - Medicare Abuse vs. Classic Fraud00:23:17 - Should the Public or Private Sector Own Identity?00:24:00 - The Battle Over Digital Identity in the US00:26:05 - Which States Are Leading on Digital ID?00:27:13 - The Role of Motor Vehicle Associations00:28:39 - Why US Identity Infrastructure Is Broken00:30:33 - How the Private Sector Tackles Fraud00:33:00 - Are We Making Progress? Lessons Learned00:34:01 - Can AI and Data Fix Government Fraud?00:36:35 - Measuring Success in Fraud Reduction00:37:37 - Approving the Right People Faster00:38:09 - Final Thoughts and What's Next___Connect with Rex on social media:LinkedIn: https://www.linkedin.com/in/rexsalisbury/Twitter: https://twitter.com/rexsalisburyTikTok: https://www.tiktok.com/@rex.salisburyInstagram: https://www.instagram.com/rexsalisbury/

In this compelling episode, Jaryd Krause is joined by seasoned dealmaker and legal expert Jerome Fogel, partner at Fogel & Potamianos LLP, a boutique law firm specializing in high-stakes mergers, acquisitions, and capital raises. With a client list that spans venture funds, emerging tech companies, and elite athletes, Jerome offers a rare behind-the-scenes look at what it takes to structure smart, safe, and scalable business deals. Unpack the most critical questions aspiring buyers need to ask before acquiring an online business: ✔️ What are the hidden risks in buying or selling?✔️ How can poor team dynamics tank a deal?✔️ Should you use financing to buy a business—and what’s the best way to structure it?✔️ Where are the most promising online businesses being acquired today? Dive deep into the importance of due diligence, the common pitfalls buyers fall into, and how Jerome has helped high-profile clients—both on Wall Street and in the sports world—navigate complex transactions and build generational wealth. Whether you're looking to buy your first online business, scale your portfolio, or just want a masterclass in deal-making from someone who lives and breathes it, this episode delivers powerful insights and practical strategies. Don’t miss this one—it’s packed with value from start to finish. Episode Highlights 04:45 – Current valuations explained, covering how tariffs and supply chain issues impact multiples and buyer decisions. 07:20 – Typical ways buyers finance acquisitions, including credit lines, SBA loans, equity rollovers, and search funds. 10:55 – Major mistake buyers make by rushing post-acquisition integration without building trust within the team. 12:45 – What successful acquisitions have in common by retaining key team members and valuing the founder’s knowledge. 24:10 – Key risk prevention strategies involving thorough reps and warranties, clear earnout terms, strong IP protections, and precise legal language. 26:30 – Why clear definitions around risk and performance clauses are vital. Key Takeaways ➥ M&A valuations currently range from 3–8x EBITDA for traditional companies and 10–15x for platform tech businesses, influenced heavily by tariffs and market uncertainty. ➥ Buyers typically operate in the $2M to $25M+ EBITDA range and rely on strong banking relationships, SBA loans, or creative financing like equity rollovers. ➥ Structuring deal terms clearly—especially reps and warranties and material adverse effect clauses—is critical to managing risk in acquisitions. ➥ Post-acquisition integration is one of the toughest challenges; involving existing teams and respecting founders’ knowledge leads to smoother transitions. ➥ Restrictive covenants are essential to prevent sellers from competing after the sale and protect buyer investments. ➥ Every deal is unique and requires customized, creative solutions; cookie-cutter approaches don’t work in M&A. About Jerome Fogel Jerome Fogel is known as a dealmaker and innovator in the legal community. He is a partner with Fogel & Potamianos LLP and represents successful venture and hedge funds, corporations, and sports superstars.Fogel & Potamianos LLP is a boutique transactional firm that provides sophisticated counsel for buy-and-sell side mergers and acquisitions, fund formation, capital raises, and off-field sports transactions.Jerome has a 360-degree view of dealmaking, as he represents emerging companies raising capital, venture funds deploying capital, advisors and investors, and private companies in mergers and acquisitions.Jerome began his career in real estate finance at GE Capital. He is a graduate of the Haas School of Business (BS) and New York University School of Law (JD). Connect with Jerome Fogel ➥ https://www.linkedin.com/in/jeromefogel/ ➥ www.fpgeneralcounsel.com Resource Links ➥ Buying Online Businesses Website - https://buyingonlinebusinesses.com ➥ Sell your business to us here - https://buyingonlinebusinesses.com/sell-your-business/ ➥ Download the Due Diligence Framework - https://buyingonlinebusinesses.com/freeresources/ ➥ Google Ads Service - https://buyingonlinebusinesses.com/ads-services/ ➥ Connect with Jaryd here - https://www.linkedin.com/in/jarydkrause ➥ Site Ground (Website Hosting) - https://bit.ly/3JBEC1u ➥ Link Whisper (SEO tool for internal linking on websites) - https://bit.ly/3l7K7Ld ➥ Active Campaign (Email Software Provider) - https://bit.ly/3DCwYQH

Join Dr. LL for a value-packed conversation with George Otel, founder of US Business Funding and a top commercial real estate influencer. George shares actionable insights for small business owners and entrepreneurs on funding, mindset, and building lasting success. Discover why adaptation, strategic learning, and the right financial moves can transform your business. Whether you're just starting or scaling up, this episode is your guide to smarter money decisions and entrepreneurial growth. Key Takeaways & Time Stamps: [1:13] Adapt to Thrive: George discusses the importance of adaptability in business, emphasizing that those who adapt faster and more efficiently gain the most benefits in today's fast-changing market. [3:11] Delegate and Plan: He shares how reading, journaling, and planning personal development in 6-12 month increments has helped him focus on strategic growth and effective delegation within his business.  [10:51] Always Seek Options: George explains the biggest financing mistake business owners make: relying solely on their local bank. He urges entrepreneurs to seek multiple funding options and start looking for financing before it's urgently needed. [13:05] Own, Don't Rent: He highlights how small business owners can use government-backed SBA loans to buy their business property, often for less than their current rent, building equity and long-term wealth. [21:15] Review and Refocus: George outlines his process of regularly reviewing what's working in his business, doubling down on successes, and cutting out what drains resources—advice that can dramatically improve any small business in just a few months. Listen in for practical strategies, real-world examples, and the mindset shifts every entrepreneur needs to succeed in finance, real estate, and beyond!

Join Dr. LL for a value-packed conversation with George Otel, founder of US Business Funding and a top commercial real estate influencer. George shares actionable insights for small business owners and entrepreneurs on funding, mindset, and building lasting success. Discover why adaptation, strategic learning, and the right financial moves can transform your business. Whether you're just starting or scaling up, this episode is your guide to smarter money decisions and entrepreneurial growth. Key Takeaways & Time Stamps: [1:13] Adapt to Thrive: George discusses the importance of adaptability in business, emphasizing that those who adapt faster and more efficiently gain the most benefits in today's fast-changing market. [3:11] Delegate and Plan: He shares how reading, journaling, and planning personal development in 6-12 month increments has helped him focus on strategic growth and effective delegation within his business.  [10:51] Always Seek Options: George explains the biggest financing mistake business owners make: relying solely on their local bank. He urges entrepreneurs to seek multiple funding options and start looking for financing before it's urgently needed. [13:05] Own, Don't Rent: He highlights how small business owners can use government-backed SBA loans to buy their business property, often for less than their current rent, building equity and long-term wealth. [21:15] Review and Refocus: George outlines his process of regularly reviewing what's working in his business, doubling down on successes, and cutting out what drains resources—advice that can dramatically improve any small business in just a few months. Listen in for practical strategies, real-world examples, and the mindset shifts every entrepreneur needs to succeed in finance, real estate, and beyond!

In this episode of the Survive and Thrive series on the Quality Hub podcast, host Xavier Francis is joined by Scott Dawson, President of Core Business Solutions, and John Mattox, Partner at Schoonover and Moriarty, to unpack the evolving landscape of federal contracting for small businesses. They explore the impact of executive orders, contract cancellations, and the FAR rewrite on contractors, while offering strategic guidance on navigating disruptions. From understanding stop work orders to leveraging the SBA's Mentor-Protégé Program and proactively participating in rulemaking, the conversation equips business leaders with legal insights and tactical tools to stay competitive and resilient in a rapidly changing environment.   Helpful Resources: Contact John:  Call 913-354-2630 or email jmattox@schoonoverlawfirm.com Law firm: schoonoverlawfirm.com How is ISO 9001 Implemented?:  https://www.thecoresolution.com/how-is-iso-9001-implemented For All Things ISO 9001:2015: https://www.thecoresolution.com/iso-9001-2015 Contact us at 866.354.0300 or email us at info@thecoresolution.com A Plethora of Articles: https://www.thecoresolution.com/free-learning-resources ISO 9001 Consulting: https://www.thecoresolution.com/iso-consulting

Join host John Brucato and Maria Parry, retired SBA from Monmouth Regional High School (NJ), as they explore essential advice for those new to the school business field and those aiming to safeguard their district from disaster. Drawing from her School Business Now articles on career setup and disaster planning, Maria provides actionable insights—from résumé-risk mitigation to vendor planning—that every SBO needs. Perfect for both emerging and seasoned professionals looking to strengthen their foundation.Contact School Business Insider: Check us out on social media: LinkedIn Twitter (X) Website: https://asbointl.org/SBI Email: podcast@asbointl.org Make sure to like, subscribe and share for more great insider episodes!Disclaimer:The views, thoughts, and opinions expressed are the speaker's own and do not represent the views, thoughts, and opinions of the Association of School Business Officials International. The material and information presented here is for general information purposes only. The "ASBO International" name and all forms and abbreviations are the property of its owner and its use does not imply endorsement of or opposition to any specific organization, product, or service. The presence of any advertising does not endorse, or imply endorsement of, any products or services by ASBO International.ASBO International is a 501(c)3 nonprofit, nonpartisan organization and does not participate or intervene in any political campaign on behalf of, or in opposition to, any candidate for elective public office. The sharing of news or information concerning public policy issues or political campaigns and candidates are not, and should not be construed as, endorsements by ASBO Internatio...

Ready to dive into the wild world of credit union predictions? Want to know what's next for the financial landscape in 2025? Join host Mark Ritter and COO of MBFS Jeff Lyons in this lively episode of Credit Union Conversations as they toss out bold forecasts for the rest of the year! From the chaotic twists of the NCUA board saga to the buzz around potential interest rate cuts by the Federal Reserve, Jeff and Mark unpack what's shaking up the industry. Expect spirited banter on how tariffs might play out as a cheeky negotiation tool and why the loan marketplace is hotter than a summer barbecue. Tune in for a quick, fun ride through the economic crystal ball!IN THIS EPISODE:(00:00) Introduction(01:14) Discussion on NCUA board chaos, highlighting legal ambiguity in removing board members, predicting Supreme Court resolution(04:25) Prediction on interest rates, expecting a half-point Federal Reserve cut by year-end (06:41) Tariffs discussed as a negotiation tool and the budget deal in Congress (11:15) Discussion of the loan marketplace outlook for credit unions and home values(13:00) Focus on SBA loans and home-based businesses, predicting a boom in startups due to economic conditionsKEY TAKEAWAYS: Legal uncertainty surrounds the removal of NCUA board members, which is likely to be upheld after Supreme Court appeals.Anticipated a half-point Federal Reserve interest rate cut by year-end, with stable inflation and low unemployment.Tariffs are being used as a negotiation tool, with minimal impact on trade, and modest 10% tariffs are expected, particularly on manufacturing from China.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInJeff Lyons - LinkedInKEYWORDS: Credit Union, MBFS, NCUA Board, Interest Rates, Federal Reserve, Inflation, Unemployment, Tariffs, Negotiation Tool, Trade, Loan Marketplace, SBA Loans, Home-based Businesses, Budget Deal, Economic Conditions, Supreme Court, Business Startups, Consumer, Tax Cuts, Credit Union Predictions, Financial Landscape 2025

Lisa Forrest, a regular guest of ours given how often the SBA changes their rules, joins John for a fun episode.We cover over 30 items on business acquisition loans (emphasis on SBA loans) with Lisa answering "Myth or Fact" for each one When there are nuances, she goes into detail. Some of the 30+ are:All seller notes have a standby periodThe buyer can use a HELOC for their down paymentInvestors owning under 20% don't have to personally guarantee the buyer's loan (a few nuances here)An SBA loan can have a claw backShe clarifies a lot of rumors, many of them myths, and anybody thinking of buying or selling a business (or advising clients on it) needs to listen to this.John MartinkaJessica MartinkaContact us via either website or give us a call and be sure to check out our videoshttps://nokomisadvisory.com/https://www.martinkaconsulting.com/https://www.youtube.com/c/JohnAMartinka/videos 425-515-4903

In this episode, Connor and Heather break down a $10.9M Primrose School franchise in Dallas-Fort Worth that includes real estate, debating financing hurdles, valuation quirks, and who the ideal owner really is.Business Listing - https://www.bizbuysell.com/business-opportunity/top-dfw-suburban-primrose-school/2362698/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

In this episode, we talk all about debt—the kind that can really stress out small business owners. Tiffany sits down with Ashley Morgan, a debt and bankruptcy lawyer with over a decade of experience, to break down what really happens when you take on business loans, especially SBA loans. They talk about personal guarantees, liens on your house, and what to know before you sign. You'll also hear how COVID loans like EIDL are still impacting businesses today—and what legal steps can (and can't) help. Ashley shares simple ways to protect yourself, what to do if you're already in trouble, and how to start fresh the right way. This episode is packed with real talk, smart advice, and must-know tips to help you make better financial moves. Whether you're just starting or deep in debt, this one's for you!   Next Steps: ✅ Connect with Ashley Morgan 

In this episode, Connor and Heather break down a $10.9M Primrose School franchise in Dallas-Fort Worth that includes real estate, debating financing hurdles, valuation quirks, and who the ideal owner really is.Business Listing - https://www.bizbuysell.com/business-opportunity/top-dfw-suburban-primrose-school/2362698/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Lesley and Brad recap Lesley's informative conversation with Matthew Lesko, the iconic question-mark-suit-wearing advocate for free government resources. Learn how to get support for your business or personal goals, shift your mindset around asking for help, and tap into programs that already exist to empower you. This episode breaks down key takeaways, including how Lesko's mission began and the tools you can use to take action today. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How to modify a Reformer with a stationary headrest for safer workouts.How Matthew Lesko redefines success by staying true to his heart.Why injecting fun into your work creates motivation and momentum.The types of government resources most people overlook—and how to find them.Why booking a real appointment beats filling out forms online.Episode References/Links:eLevate Workout and Q&A - https://lesleylogan.co/elevatewaitlistAgency Mini - https://prfit.biz/miniOPC Summer Tour - https://opc.me/tourUK Mullet Tour - https://opc.me/ukCambodia October 2025 Waitlist - https://crowsnestretreats.comSubmit your questions - https://beitpod.com/questionsYouTube: How to Choose a Reformer - https://beitpod.com/choosingareformerBook: Big Magic by Elizabeth Gilbert - https://a.co/d/9qFidcWMatthew Lesko's - https://beitpod.com/leskohelpEp. 400: Gay Hendricks - https://beitpod.com/gayhendricksEp. 196: Beate Chelette - https://beitpod.com/beatecheletteFind Local Help for Basic Needs – https://www.findhelp.orgGovernment Contracting Support (Apex Accelerators) – www.apexaccelerators.usSmall Business Support (SBA Local Assistance) – www.sba.gov/local-assistance If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  Whatever you are setting yourself up to do, to go through the struggles, to go through the obstacles, to go through the failures, you have to actually want to do it. You're gonna have to care about the problem that you're solving. Lesley Logan 0:12  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:51  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the endearingly fun convo I had with Matthew Lesko in our last episode. If you haven't yet listened to that interview, feel free to pause us now, go back and listen to that one, because you've missed out. Brad Crowell 1:09  So you could also have said the wise, happy old man convo I had, who drops a lot of F bombs. Lesley Logan 1:14  And also, when we say old, I just want to say, like, there's nothing. He is not like slow.Brad Crowell 1:20  No, he does not come across that old. And he said PSM 81. I was like, what? Really?Lesley Logan 1:26  Yeah, yeah, he's feisty and fun, and. Brad Crowell 1:29  Heck yeah. Lesley Logan 1:29  And like, working so hard for everyone. And I was just so excited. And then when we I was like, I had just interviewed him that day, and our friend Michael and Brogan was here at the house, and I was like, oh my God, I just interviewed someone. You should have him on your show. And I just started describing him and our friend Michael was like, Matthew Lesko? And he was like, he's like, the guy with a question mark suit. And I'm like, yeah, that's him. And he's like, stop right now. I want him on my show. So anyways, super, super fun. We'll get into that episode in just a second. But today is July 3rd 2025 and it's National Compliment Your Mirror Day. National Compliment Your Mirror Day is on July 3rd. We live in an image-driven world. Sometimes this can cause us to not notice and compliment a very important person in our lives, ourselves. This day motivates us to look in the mirror and recognize all those things that make us exceptional, inside and out. So go look yourself in the mirror and give yourself a compliment. Brad Crowell 2:25  Go do it. Lesley Logan 2:25  Do it now. You can use your phone as a camera if , as a mirror, if you want. But sometimes I do that. Okay, literally, next week. Is it next week? I guess it's July 3rd, so maybe a little after a week. Brad Crowell 2:38  Well, Happy July 4th for those in the United States. Lesley Logan 2:41  Those who celebrate. Brad Crowell 2:42  The independence that we are on the brink of not having. Lesley Logan 2:47  You guys, I'm just going to be really honest, we're recording this while L.A. is being taken over by people. A lot of misleading information, a lot of bad stuff. Make sure always, always, always, always get news from the people who are on the ground, because people like to spend things. And so anyways, if you're celebrating the Fourth of July, Happy Fourth of July. But, in exciting news, on July 9th, I'm hosting a free workout for those people who are interested in eLevate, my mentorship program. And we'll have a Q&A, we'll have eLevate grads on there who will tell you why they love it so much. And you just want to go to lesleylogan.co/elevatewaitlist to get on, get the invitation, and come to that. We have, like, I don't know, at the time we're recording this, like, eight spots left, I think, which is not a lot of spots at all. Brad Crowell 2:47  It's not a lot of spots, y'all. Lesley Logan 3:27  No, and we're actually, like, gonna be, you know, pretty soon, starting to work out who has what time slot. Brad Crowell 3:40  I mean, there are hundreds of people on the waitlist. Lesley Logan 3:43  Yeah, like, like, several hundreds. Like, for eight people. Brad Crowell 3:47  Eight spots, right? Because we started.Lesley Logan 3:49  But don't let that deter you. That means you should go be one of those eight people. Brad Crowell 3:53  100%Lesley Logan 3:54  Yeah. Brad Crowell 3:54  Yeah. And you're welcome to reach out, you know now, so, but yeah, July 9th, it's gonna be a super good time. We're going to have a free class, answer questions, have some alumni on there, but guess what I'm really excited about, too.Lesley Logan 4:07  Yeah, we're doing Agency Mini, our coaching program that we do, where we. Brad Crowell 4:12  Bringing it back. Lesley Logan 4:12  We help as many people as possible. Brad Crowell 4:12  Bring it back to me. Lesley Logan 4:13  Yeah, and we're doing it in three days, so you don't have to be overwhelmed by a week-long situation with like, the Facebook, none of that stuff. So if you've heard of Mini before, this is a new Mini. Brad Crowell 4:28  If you've done Mini before, you should come back and do that. Lesley Logan 4:31  Yeah, we used to have a rule that you couldn't and now you can. Brad Crowell 4:34  Yeah, we're, this is a special invite. Special invite because it's different. You know. We're, we're taking the concept and we made it better, we made it shorter, we made it easier, we made it faster, all the things. And so, you know, you really can learn a lot in just three days with us. And then, you know, there's also opportunities for coaching calls, which we never offer outside of our coaching group. Or you can book a coaching call with either Lesley or with me. It's a Round Robin. So you'll be surprised at who you get, because it's just based on our availability. But basically.Lesley Logan 4:58  Oh, that's cool. So they're just booking it and, like. Brad Crowell 5:07  They're just booking a call and getting aside. Lesley Logan 5:08  Cool. It's like speed dating.Brad Crowell 5:10  Kind of, but it's gonna be great because, you know, we, we don't have, we don't set aside the time to coach people who are not in our coaching group, because it's already a lot, right? And so what we've done differently this time is we're creating that space that time we actually are leaving, you know, time during six days where you can book a call with us. And you do that when you register for Agency Mini, so when you're going through and it says, like, oh, do you want to join Agency? Say yes. And then during the checkout, you'll say, oh yeah, and yes, I would like to add a coaching call and so, you know, we'll, we'll be able to chat. It's gonna be awesome. I'm looking forward to it. I'm looking forward to meeting everybody. I love hearing all the different things that are going on. I just had a coaching call with a new Agency member, and she's opening up a bigger space, like a much bigger space than her current space. Lesley Logan 5:56  Oh, is it, who I think it is? Brad Crowell 6:03  No, not at all. So, you know, and they, they were, they're trying to figure out, like, you know, all the mechanics behind that. And what's so fun is that Lesley and I've been able to be there for this conversation many, many, many, many times over the years, plus we've done it ourselves, right? So anyway, come join us. Go to Agency Mini, prfit.biz/mini P-R-F-I-T dot biz, that's profit without the O dot biz slash mini. Then, we're hitting the road.Lesley Logan 6:33  Yeah, after Mini, we literally pack up the van and we're gonna go on tour, you guys, 15 cities and like, 20-something days. Our tour is powered by Balanced Body, and many of the events are sold out, like a lot of them are sold out and so but also on this one, there is an opportunity to join a virtual so if I've never come to a city near you, you've never had the time to drive a half hour across town, all that stuff, you can actually get tickets to the virtual events we're doing in Calgary. So go to opc.me/tour to see the lineup, the cities. I can name them for you. We're doing Phoenix, San Diego, Los Angeles, Santa Barbara, San Francisco, Sacramento, Eureka, Portland, Seattle, Vancouver, Kamloops, Calgary, McCall, Idaho, Salt Lake in Las Vegas.Brad Crowell 7:18  That's right, I'm impressed you just rattled that off I think that's 16, right? Something like that. 15?Lesley Logan 7:22  Some people keep saying 15, whenever I counted. It feels like 16, so I don't know. Brad Crowell 7:28  Yeah. Well, anyway, it's a bunch. It's exciting. We've got a lot going on, and we can't wait to meet you in person. So come join us. Go to opc dot me slash T-O-U-R that's opc.me/tour. And then.Lesley Logan 7:41  We had a lot of people in the U.K. jealous of this tour. And I'm like, hold on, we're coming your way in September. So we come home, we acclimate, then we go into the U.K. We have two city locations in the U.K. for our Mullet Tour, which means business in the front Pilates in the back. Don't worry, the business is also like life skills. So.Brad Crowell 7:59  It's not like super deep business in a studio. So you can.Lesley Logan 8:02  No, you can be a non-teacher. Brad Crowell 8:04  One of them is about scheduling, and you can apply that to any element of life, like. Lesley Logan 8:14  One of them is about habits. Brad Crowell 8:14  And the other's about habits. That's right. So. So anyway, it's gonna be awesome. Go to opc.me/uk.Lesley Logan 8:15  We'll do Leeds and we'll do Essex. And right now we have three spots left in Leeds. No, they're not days passes yet available for Leeds. There's only three weekend passes left, so we're not breaking those up. In Essex, we have day passes because it's during the week. Or you can save money by getting two day pass. So go to opc.me/uk you can come to both. There's only, like, two workshops that cross over. So.Brad Crowell 8:37  You could come to Leeds and then to Essex, yeah, you totally could do that, and then you can continue the conversation. Because often, when you do a workshop and you leave, how often do you immediately revisit that content? Imagine being able to revisit it right away and just take it even deeper, hear it again and, like, really dial it in. So that's also an option. Then, in October, guess where we're going? Lesley Logan 9:01  Back to Cambodia. Brad Crowell 9:02  That's what we're doing. We can't wait. Obviously, we love Cambodia. We love going there. We love helping people experience another world altogether. It is just the coolest place.Lesley Logan 9:13  I love just like getting some time away from the life and chaos that's going on that you like, absorb all the time, and you're dealing with all the time to just like, to just fill your cup up and be amazed about what community can look like in a village, and what it can look like to see temples that took hundreds, if not thousands of people over, you know, several years working together. And sometimes when I just feel like there's just no way we're going to solve this problem, that I go there and I'm like, well, they did this, and if they did this, I can solve a problem. So, like, I just it's always very, It's humbling, but also grounding, and then it really allows you to step away from what's going on and get a bigger, get a better understanding and come back into it.Brad Crowell 9:57  I love it. Well, you're not wrong. It is mind-blowing it is one of those trips that will change your perspective of life in general. It's amazing. So you should join us. Go to crowsnestretreats.com crowsnestretreats.com. Come join us. There are still spots for this October, and it's not too late to get the plane tickets. I think Lesley and I just basically bought ours recently. Lesley Logan 10:18  We have haven't bought them yet. No. Brad Crowell 10:19  We've been looking at them. Lesley Logan 10:19  We're looking at them. Brad Crowell 10:19  So we haven't bought them yet, right? So don't worry, there's room, okay, there's time. So come join us. But, before we get into the Matthew Lesko question mark jacket, he didn't wear it in the interview. But he. Lesley Logan 10:33  Yes, he did. Brad Crowell 10:34  He wore his question mark jacket? Lesley Logan 10:36  Oh, yeah, you didn't watch? Brad Crowell 10:37  No, I did watch, but I kept looking at his epic blue glasses.Lesley Logan 10:41  No, there was question marks on that suit that clearly-fitted-to-him suit. Brad Crowell 10:46  He's a badass. Lesley Logan 10:47  Wonderfully fitted to him. Brad Crowell 10:48  Well. Anyway, before we get into that, we have an audience question @MarleneBroek on YouTube says, I wish I could do a Scottish accent, because I think her last name is Scottish, but I'm not going to try. She said hello, I already have a Reformer, but my head rest is stationary. Any recommendation for a separate headrest, such as the kind that forms to one's neck, interesting, or one that is flat to go on top of it. Thank you so much for your time. All right, Marlene, get ready, because I already know what's coming.Lesley Logan 11:22  So unfortunately, you all, many, many people are now making Reformers who've never done Pilates before, and they don't know that these things make a difference. So I'm super, super glad you're curious, because your headrest is not supposed to be stationary. So what I don't know from this is, if your headrest is stationary up or stationary down. My hope is that it's stationary down, because then we can get like a wedge pillow of some kind that will mimic a head rest being up. But then you could take that, that insert away, and then you could actually still do overhead exercises. If it is stationary up, you cannot do any overhead exercises. No, there's nothing we can do. I don't even know that what you can do, because I don't have a picture of your Reformer, don't know if it has hinges, if you could add anything. Unclear. So what I will say is, I'm just going to assume your headrest is stationary down for the rest of this conversation. You don't want a pillow or headrest that forms to your neck, because we're not actually trying to support the neck in that way we're, actually, when we have the headrest up, it's meant to tilt your head in just a way, so your neck can relax, but your upper abs can engage without us even telling you. That's why the headrest is up for footwork, for frogs and circles, for running, for pelvic lift, that your headrest is up so that your you just have this nice little support to help you engage your upper abs without you using your neck. It's really quite cool. He's very fast. So anyways, and it's down when you're not using that. So you can do overhead exercises. You get your box on top, things like that. So I would look into, Marlene, some sort of like foam wedge that you can cut to the size of your headrest. Brad Crowell 13:00  And firm foam. Lesley Logan 13:01  I would definitely say something firm. You don't want to be like a pillow.Brad Crowell 13:05  Right. So, so, like, I'm thinking about your baby chair and that little funny wedge that you have for the baby chair. Kind of would be like that. So, like, and that wedge, you're sitting on it, and it doesn't move, like, it doesn't give, it, literally, is intended to level out the baby chair. So in this case, you would want something that's firm like that as well. Lesley Logan 13:23  Yeah, very firm, like, you can even.Brad Crowell 13:26  Like, you basically just taking it on and off.Lesley Logan 13:27  I mean, I would imagine, like, if you have someone handy in your life with, like, a really cool saw that could, like, take a yoga block and, like, slice it from. Brad Crowell 13:37  That's a good texture, yoga block. I bet you could modify a yoga block to make your own wedge. Lesley Logan 13:42  Yeah. And I think that some yoga blocks even come like that. So, like you, I mean, like, there's a lot of things out there, but that's what I would do. Brad Crowell 13:50  What kind of angle are we talking about here?Lesley Logan 13:52  Let me just get my protractor out. It's, it's not as.Brad Crowell 13:59  If there's a right angle, is it halfway? Lesley Logan 14:01  No. Brad Crowell 14:02  No. It's 1/3 of the way? Lesley Logan 14:03  One-third, maybe. Your eyes are still able to look at the ceiling. You're not looking at your toes. Brad Crowell 14:09  Got it. Lesley Logan 14:10  Yeah. Brad Crowell 14:10  Cool. Lesley Logan 14:11  Yeah. So Marlene, I hope this helps you. This is why I did the Reformer, you know, how to choose a reformer video. And this is why these are things we have to think about when it comes to what, what changes did an engineer make when making your rReformer, you know, like, did they change the springs for bungee cords? Did they change the foot bar that moves to a fixed vertical foot bar? Did they change that there's no head the headrest doesn't go down or doesn't go up? Did they change the shoulder rest so that they're round and not actually something that like allows your shoulders to be wide, or your foot to be against something that like fills their foot out like the Contrology shoulder blocks actually fit the shape of your foot. That's why they're (inaudible). That's why they're made the way they're made. So.Brad Crowell 14:53  I was like, what?Lesley Logan 14:55  So anyways, I don't think you have to go buy a whole other Reformer, Marlene, but I would do this, and then I would have a little savings account for the another, the next Reformer. And trust me, someone will buy this off you for the same thing you paid for it, because everything goes up in price and they're not paying tax on shipping.Brad Crowell 15:10  No doubt. Well, and then when you're ready to go shopping, reach back out to us and we'll connect you with Balanced Body, where we've got a discount code for you there. So yeah, all right. If you have a question.Lesley Logan 15:21  Send it to the beitpod.com/questions. Brad Crowell 15:24  That's right. Send it to beitpod.com/questions beitpod.com/questions. If you have a win, and you want us to cover that win on the FYFs on Friday, you can also submit it right there as well. So thanks for asking that. Stick around. We'll be right back. We're going to dig into the question mark-filled convo with Matthew Lesko. Actually, it's more like mind-blowing convo. He has said wealth of information and exuberance for life. I really enjoyed it. So we'll be right back. Brad Crowell 15:50  Okay, welcome back. Let's talk about Mr. Matthew Lesko. At the age of 81, Matthew is still rocking those question mark suits and has spent four decades helping people find free resources that they did not know existed, which I kind of think is amazing. He has written over 100 books, y'all, he's written 100 books. He has appeared on shows like Oprah, Larry King, The Good Morning America, and built a thriving online community that connects people to grants, businesses and funding and overlooked financial support. PS, I did math while I was listening, his, his community is like 5000 plus people. Yeah, that's crazy. From a string of failed businesses to becoming a recognizable voice for everyday people, Matthew has made it his mission to make support accessible. And it proves it's not about luck. It's about knowing where to look. So we're fired up about that. That was amazing. Tell me one of your favorite things about this convo. Lesley Logan 16:47  Okay. How many things can I talk about? But first I want to just like he emphasized, there's no single formula for success. He talks about how life and starting anything new, this is important, means dealing with failure, struggle and a lot of guesswork. My perfectionist, here it is from someone who's written 100 books and is 81 years old and seen it all. You know, it come like success actually comes from dealing with failure, struggling, a lot of guesswork. And he believes success doesn't come from knowing everything, but from possessing the energy and willingness to keep trying and learn from failures. Hold on. I have to, I have to say this. He strongly advocates that you follow your heart. Stated, he says the way to get anything done is your heart has to be in it. He also said your heart is smarter than your brain, and to trust that more than anything. And I love this, because I think, like a lot of people, like, well, what's specifically when we coach people on their Pilates business, I'm like, oh, you know, who do you want to help? Well, that's, I want to help everyone. Brad Crowell 17:45  Me, too. Lesley Logan 17:45  Right. But like, who do you want to help? Because if your heart's not in it, you're gonna really be annoyed helping the person that you don't want to help. And then you're if your heart's not in it, you're gonna start resenting them and, like, start going, oh, this becomes another job, right? Like, your heart has to be in what you're doing.Brad Crowell 18:01  Yeah, definitely. You know, it's so funny. We were just talking about this recently, where I feel like there's the two extremes, like I'll do anything for money. I'll only do it if I love it. And, you know, I know I kind of flip flopped over this, you know, during my life. And he has a very compelling argument to follow your heart, and I think also too, you know, he's very savvy. He's very business savvy. So he's been able to figure out how, by following his heart, can he also make money. And he's turned it into like a mission, and that mission has attracted other people who are like-minded. And, I mean, that is like the ideal scenario. Lesley Logan 18:45  Well, and also, if you realize, like, you know, first of all, you know, Big Magic is a great book for everyone to read. And some of your things that you love to do, that you're like, are creative, aren't meant for making money on. So that's, we're not. I don't think that Matthew or us are advocating that you like if you love pottery, that you go or you only make pots, and that's how you make money. That whatever you are setting yourself up to do, to go through the struggles, to go through the obstacles, to go through the failures, you'll, you have to actually want to do it. You can have to care about the problem that you're solving. If you don't care, you're not gonna be able to handle those obstacles. You're not gonna be able to go through it. You're gonna, you'll get, you'll get a door slam on your face and just go, okay, well, I'm not into it, right? So I think that's what he means, that your heart has to be in it. Like not everything you love doing will be a thing you make money on, but you gotta care about what you're doing. Gotta have care for it to be successful.Brad Crowell 19:40  Yeah, and I think there was something he said that just went right out of my mind. But he, he, he was talking about the when his, when he first, he actually, first off, I had no idea, he was in the military, but apparently he was in the military after he got out, he started.Lesley Logan 20:02  81 (inaudible). I don't think you get to be 81 and you weren't, unless you're an asshole, draft dodger dickhead. Anyway.Brad Crowell 20:02  That's fair. So he, he said he started a bunch of businesses and they failed. He started another business and they failed, and then he became a consultant, and that somehow, you know, was working, but then he was making millionaires billionaires. And he was like, that sucks. You know, he's like, these people don't care about anybody except for themselves. And he was not and he was not really enjoying it. And you know, he said he had this moment though, where he's showing up for the job, and he's like, uh, someday it's gonna be better and more fun, and then hopefully when I'm retired, I'll be able to go enjoy life. And he said, wait a minute. Why? Why should I keep doing something that I hate just hoping that someday it'll make it'll be better, it'll I will enjoy it more, or it's gonna pay me what I want to pay. He's like, I only have one life to live, and I'm better. I should start enjoying what I'm doing now. How do I do that? How do I do that? You know? So he said he flipped the script and decided to prioritize having fun. And he said having fun is contagious. He said it's a little contagious. In fact, you know, just his approach to the podcast was contagious and fun and joyful, you know. And he said it's also when you're doing something that feels fun, you are naturally motivated to work harder, right? So, you know, instead of like, kicking yourself to go get the thing done, that you have to do, what if you could do something that is fun, you know, you're gonna do it well, because you love doing it?Lesley Logan 21:37  Yeah. Yeah. It made me think a little bit about Gay Hendricks is, like, zone of genius kind of a thing. Like, I feel like. Brad Crowell 21:44  Sure.Lesley Logan 21:44  I feel like they're very similar, except for this one is, like, except for Matthew is teaching us how to get the money we need to go do the thing we love.Brad Crowell 21:54  Yeah, it's, it's very true, and he's encyclopedic with that, as well. He was very impressive. Lesley Logan 21:58  I will say. Like, if you listen to episode 400, Gay Hendricks will help you figure out what your zone of genius is. And then Matthew Lesko will give you all the websites for where you can get paid to do your zone of genius. I think that these are two must listen tos.Brad Crowell 22:12  Who knew that kind of a thing, just, mind-blowing. Lesley Logan 22:12  And I think that each state has that. You have to figure out, like, how does your state, how does your state make money? Right? Because every state's a little different. How they tax, what they tax. So like, obviously Nevada is not excited to help us unless we are a casino. So since we are not one of those things, we're not getting that. But at the same time, there's still going to be things we can reach out to figure like, find ways, because this, they do have local people who need.Brad Crowell 22:40  Yeah, gambling and tourism, that's how Nevada makes money.Lesley Logan 22:43  Yeah. So that's how that makes money. So, like, but we can figure out, like, okay, well, how, what does the city need, right? Because we actually don't live for, the strip is not part of Las Vegas, surprising. It's technically paradise, but, but, but you can figure out what your city needs to get, what your county needs to get, what state needs, and then go, oh, well, what are they? They're paying for that, they're giving out grants for that. Like, yeah, you do the paperwork. But like, not many people are. Brad Crowell 23:06  Not many people are. Lesley Logan 23:07  Remember, I forget her name, B-D B-D. Brad Crowell 23:12  B-E-A-T-Y? Lesley Logan 23:14  Yeah. No, no, B-E-A-T-T-E. She was on our on an episode of The Be It Pod, and she got a, she got an SBA grant because she filled out the fucking paperwork.Brad Crowell 23:26  Yeah, I. Lesley Logan 23:27  B-D Brad Crowell 23:28  Don't have her name there.Lesley Logan 23:30  Well, she's in the two hundreds. Let's see how.Brad Crowell 23:35  Oh, B-E-A-T-E Chalet, Chalet. She was, she,her interview was 196. I'm very proud.Lesley Logan 23:43  Ah, I was so close. And I was thinking, Beate Chelette, but I was like, no, I was confusing her with Aletta Rochat. And I was like, no, but actually, I should have said it out loud, because I was right. Anyway, so close, so close. Yeah, but she, if you guys listen to her episode 196 she actually got an SBA grant for her business idea. You know? Brad Crowell 24:05  I love that. Lesley Logan 24:05  Because she did the thing that Matthew said to do, make the appointment, sit down with the people like, fill out the thing. Anyways.Brad Crowell 24:13  Impressive. All right. Well, anyway, stick around. We'll be right back. We're going to dig into that amazing convo you had with him about the Be It Action Items, which y'all literally, you have to take notes like, it is, it's 100% you have to go back. You slow it down, listen to it twice, write down all the things he said. But we're gonna talk about it so. Lesley Logan 24:31  And it's also in the transcripts. Brad Crowell 24:33  Oh yeah, we'll put the links in the transcripts, but stick around. We'll be right back. Brad Crowell 24:37  Okay. Finally, let's talk about those Be It Action Items. Say it with me Mindi. What bold, executable, intrinsic or targeted action items can we take away from your convo with Matthew Lesko. He shared an abundance of untapped government resources, both state and federal. By the way, it's not just the federal.Lesley Logan 25:00  And I guess for the people who live internationally, I imagine these things probably exist in a lot of places you live. Brad Crowell 25:05  I'm 100% sure about Canada. In fact, I have a lot of musician friends who would get grants in Canada where the Canadian government was willing to sponsor. Lesley Logan 25:14  Yes. We have had guests who do that. That is amazing. Brad Crowell 25:16  Yeah. And that that like, I don't even maybe that's available here too. I have no idea, but I'll tell you. You know, that was seemed to me like, like my college friends were like, I want to make an album. And they literally applied to the Canadian federal government, and they got like, 10 grand to make an album. And I was in college going, how the hell, why can't I get 10 grand? Lesley Logan 25:36  I mean, they were Canadian, obviously. Brad Crowell 25:38  Yeah, they were, they were obviously Canadian. So anyway, he shared a bunch of untapped resources. He said that 40% of everything in our economy are organizations that give you free money to solve a problem. I don't really understand that statistic, and I can't actually validate that, but he's been doing this for four decades, y'all, so he knows all these things. He emphasized that these programs are already paid for with our tax dollars. So it's on us to take advantage of them, or the money just sits there, it doesn't get used, right? And also, it might not be the kind of thing that they get to they don't just hoard it and pile it. It might be like, hey, you can give up to $2 million away, but if they don't, they don't get to keep it, right? So basically, it's on us to go take advantage of what is available to us. And it was fascinating to listen to him talk about the different reasons that someone might want to go get a talk to these organizations and go through the process. He emphasized that, well, yeah, there, and this stuff is already funded. It's already paid for. He advised the to seek out free government and nonprofit resources directly, rather than relying on standard search engines like Google, specifically, because they don't actually do SEO, or they're gated searches, you can't actually search them with outside search engines like Google. Right? And so basically, he gave us examples like findhelp.org which is amazing. It's about local finding local help for things like food, housing, health, money.Lesley Logan 27:04  That, right there is so amazing how many people are struggling to afford groceries right now. Like, maybe, maybe you're not someone who is it, but maybe someone you know is. You can send them that information. Brad Crowell 27:15  findhelp.org you know, and there will be links in the show notes. So there's more links in the show notes. Lesley Logan 27:22  So many. Brad Crowell 27:22  Yeah. He talked about the SBA. He talked about Apex Accelerators, which I've never heard of before. He talked about career and job training. Lesley Logan 27:30  Oh, and turn your VPNs off, y'all. Brad Crowell 27:31  Yeah, yeah. They're, you know, if they're a government side, it might have trouble if you have a VPN on. He talked about HUD, which is like another United States government, housing urban development, and he said, there's free financial and debt counseling, right? And they can help you get out of debt.Lesley Logan 27:48  I mean, I had no idea, because, like so many of my friends and everyone had, like, use those companies that can, like, you know, supposedly help, but it could affect your credit at the same time. Like, who? Who knew if you use the government agency, maybe it would have been different.Brad Crowell 28:02  I wish I had known when I when I had a failed business. It would have been really helpful. Wish I had known. So anyway, what about you? I mean, all those things and there's still more. Lesley Logan 28:11  Okay, so we said it already. We're gonna say it again, because it's a Be It Action Item. Once you find a resource, book an appointment, okay? Matthew said, everybody just wants to fill out on application online, and wait for the money. You can't do that, he said, because you don't know. Brad Crowell 28:23  What did everybody wants to say what? Lesley Logan 28:23  Everybody wants to just fill out the applications online. Like, you know, like, oh, let me just do it online. It's just copy paste, copy paste. And he's saying, don't do that, because you don't know how the application should be filled out. And, like, there's always the little nuances, right? Like, we're currently working with lawyers who are filling out legal forms for us to go to Canada. So if we had done it ourselves, we wouldn't know the insight and the nuances to like, oh, actually, put this instead of that, because this will get you across. And that is actually going to be like, we have enough of those. So like, you want to make sure that you're working with someone who's like, fighting for you to fill it out correctly will tell you what certain things mean. I mean, sometimes I don't even know. It's like, you're like, oh, I think that's where I put my business name, and it's not, it's where you put your account number or something like that. So, you know, just work with the people. They're in the office I'm talking, I'm sure it'll brighten their day to hear what you're working on, right, what you need help with. Also, they often know the other people in the area, the community, the other resources to help you, right, like, oh, if I'm not the right resource, this person is, if you're starting a business or a nonprofit or side hustle, the smartest move is to call your local SBA office and speak with a counselor. Again, not something online, not a chatGPT. You gotta go and talk to someone. And then he also said, talk to experts who.Brad Crowell 29:42  SBA stands for Small Business Administration, right? So that's a federal government thing, but they have local offices around the country, so you can actually go in and make an appointment to to their office. In fact, also too, not that I'm like, a huge fan of the big banks, but big banks actually often have training programs for business owners, too.Lesley Logan 30:02  Yes, but we're not fans of big banks because they won't help you get an SBA.Brad Crowell 30:05  Almost never will they help you get a loan. But, you know, there are resources available there too, but the SBA is actually, like, trying to help you get the money. Lesley Logan 30:13  Yeah, I would fuck the big banks.Brad Crowell 30:17  If the big banks, like, honestly, the SBA doesn't let you apply for SBA funding directly through the SBA. You have to apply through a bank. You don't necessarily need to apply through a big bank, though. So that's the difference there.Lesley Logan 30:30  Right. So, and then also make sure you have the experts who can help you, help people like you, guide you to the right programs and the paperwork, and they usually do this for free. And you know, he's someone who loves to help people. So, like, there's, there's things out there. You're not on your own. Your friends and family might not be the best people to ask, but, you know what? Go to these offices and go, oh, they can't help you. Do you know who? Do you know who will, who can? Like, what else should I search? What should I be searching? Because I get the right thing. Like, they'll, they'll even, even at the DMV people help me, if you just ask the right questions and you're really nice. So trust me, people want to help people. Brad Crowell 30:34  Yeah, it's true. It's true. Well, what a wealth of information. Also, he has like, here's like, books that are like, $20 so, like, even if you're, you know, look, if you're looking for more and you, you know, want to check out his resources. He has that community. The community he built is like people trying to help people find the right stuff. So, I mean, it's just curious. It's just fascinating.Lesley Logan 31:29  Sounds super positive. Brad Crowell 31:30  It sounds really positive, yeah. Lesley Logan 31:31  Yeah. Who doesn't need that in their life? Anyways, share this with a friend who needs to hear it. Brad Crowell 31:36  Share it. Send it.Lesley Logan 31:37  This is the episode to share. There's so much in there for people, everybody.Brad Crowell 31:41  Episode 545, y'all, share it. Lesley Logan 31:43  545Brad Crowell 31:44  545Lesley Logan 31:44  I'm Lesley Logan. Brad Crowell 31:45  And I'm Brad Crowell. Thanks so much for being here. Lesley Logan 31:48  Oh, okay, you totally did. Show. We already said to share this. So now, go Be It Till You See It. Brad Crowell 31:55  Bye for now.Lesley Logan 31:57  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 32:39  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 32:44  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 32:49  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 32:55  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 32:59  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Everyone talks about the wins in entrepreneurship—the flashy moments, the big milestones, the Instagram-worthy highlights. But what about the gritty, unfiltered side of building a business? In this episode, we dive into the real story of how we financed Culture Studio from the ground up. From throwing parties to fund our first studio to taking loans from friends and family, refinancing homes, and navigating the complicated world of bank loans, we share the financial journey most people don't talk about. You'll hear how we hustled in the nightclub scene, made sacrifices, took unconventional risks, and learned valuable lessons along the way—lessons that apply to any business, big or small. We also get into: ✔️ How a $45K friend loan launched the business ✔️ Using entertainment money to fund the dream ✔️ The $60K home equity loan that changed everything ✔️ The game-changing discovery of Amex financing ✔️ SBA loans, machinery, and navigating banks ✔️ Perseverance, trust, and the reality behind the "overnight success" myth If you're building a business, thinking about financing options, or just curious what it really takes to grow, this episode is for you.

From banker to landscaper, Carroll Fitzgerald built a 70+ person business with 35 trucks — and then sold it to his own management team. In this episode, Carroll shares the full story of how he scaled Fitzgerald's Landscaping and structured a successful employee buyout. What you'll learn: How Carroll grew his company from a weekend side hustle to a multimillion-dollar operation Why he planned his exit 5 years in advance — and how that paid off How he used SBA financing and vendor takebacks to help his team buy the business What makes a succession plan actually work in the trades

In this episode of ClickFunnels Radio, hosts Chris Cameron and Ben Harris welcome Max Kyllonen, an expert in helping businesses scale by teaching personalized business strategy planning, management approaches, business development, and financial strategies. Max shares his thoughts on various business funding strategies, including establishing credit for small businesses, SBA loans, credit card stacking and VC funding challenges and alternatives. Tune in to gain some valuable insights into an approach to business funding that focuses not only on creating immediate financial resources but also sets the stage for long-term financial health and success! skool.com/thefundingformula summitpathstrategies.com/clickfunnels

There's a world of free resources and government support waiting to be claimed and Matthew Lesko is on a mission to help you find it. In this episode, Lesley Logan chats with the iconic author and endearing personality to explore how anyone can access funding, assistance, and programs already available to them. Lesko's unfiltered advice, contagious energy, If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How Matthew Lesko followed his heart to create a mission-driven career.Why helping others became more meaningful than making millions.The mindset shifts from chasing success to creating an impact.Where to find real programs offering free financial aid and support.How to access small business and government contracting support.Episode References/Links:Matthew Lesko Help Free Membership - www.beitpod.com/leskohelpFind Local Help for Basic Needs – www.findhelp.orgSmall Business Support (SBA Local Assistance) – www.sba.gov/local-assistanceGovernment Contracting Support (Apex Accelerators) – www.apexaccelerators.usCareer & Job Training Help – www.careeronestop.orgFree Financial & Debt Counseling (HUD) – www.hud.gov/housingcounselingGuest Bio:Matthew Lesko is a nationally recognized author, researcher, and consumer advocate known for helping people access free government money and resources. For over 40 years, he's made it his mission to show everyday Americans how to find funding for education, business, debt relief, housing, and more. With over 100 books published, Lesko has turned complex government programs into easy-to-use guides that empower individuals to take control of their financial future. His work has been featured on major platforms like Oprah, Larry King Live, and Good Morning America, where he's become known for his energetic style and signature question-mark suit.Lesko's passion goes beyond publishing. He leads a community of over 15,000 members who support each other in navigating hidden funding opportunities. Through this platform, he also gives back—distributing monthly grants to help others get started. At the core of his work is a simple belief: you don't need to be wealthy to get support—you just need to know where to look. Lesko's tools, research, and heart-centered approach have helped thousands unlock resources they didn't even know existed If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/ Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Matthew Lesko 0:00  My rule of thumb is your heart is smarter than your brain. You got to trust that more than anything. And sometimes you can't get there until you fail your assLesley Logan 0:13  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:56  Be It babe, this is for you. This episode is for you. I mean, they're all for you, but this one I've been waiting for since the day I met this man. I was like, no way, no freaking way. This is real. And it is real because, and the reason I know is because I, before I met this guy, have been trying to do this with my business and going through some of the hoops that do it. And I think he just made it even easier. So Matthew Lesko is our guest. He is a wonderful, brilliant, hilariously honest man with so much love, and he is all the websites, all the keys, all the kingdom to helping you get the money assistance you need, like free money. But then He even tells you how you can get better money. So I know that that can sound like an infomercial. I know that they can sound like it's too good to be true. I promise you that, like, you do have some hoops to jump through, but I want you to get I want you to have everything you need. And I know some of you have debt that's holding you back, or you need money to make this idea happen, or you need the job training to make this idea happen. And literally, in this episode, he's gonna give you URLs that could help you do that. And if you want accountability community, he has that for you as well. So Matthew Lesko is our guest. You're gonna, you're gonna want to have a pen and paper for when he starts doing these, but we'll have the links in the show notes, so just check the show notes. All right, thank you, Matthew Lesko, you're amazing. Y'all, here he is. Lesley Logan 2:14  All right, Be It, babe. I am super excited. First of all, if you're not watching this on YouTube, you're gonna want to see the man that's in front of me, because he has never let me down the two times I've seen him. He has the best suits on, the best glasses on, the most gorgeous hair. Matthew Lesko, can you tell everyone who you are and what you rock at?Matthew Lesko 2:36  Matthew Lesko, what I rock at? Boy, I just struggle. That's what rocking is. Man, it takes work to get through this shit, you know, everybody thinks there's some formula. No, there's no formula. You're guessing your ass off every day and hoping something works. The only thing you need is energy to do stuff, because the more stuff you do, because any, any that you get some plan about what to do in life, and that's not going to work, don't worry about it. But you could try maybe a little bit there you could do, but you got to figure your own shit out. And, but help could help you, just at least get you a little bit on the way. But, yeah, that's what it is. We all struggle and the experts want to make a lot of money to try to convince you they know the secret to life. Now they don't know what the fuck to do with their own life, you know. And so maybe you can claim little items to open your mind a little bit more. But really, life is trying something and failing. It's, it's like, if you're going to do something new in life, that's like learning to walk, you know, or learning to ride a bike, you're going to fall on your ass a lot. That's, what I think here is your loved ones are your worst enemy, because they say, don't do that. You're going to fail. Yes, you are. You're going to run into big bumps in the road. You're going to fail at something, and you just keep fucking going because you want to do that. So that's why key in life is not knowing exactly what to do, because nobody really knows, and you have to figure that out. That's a trial and error. And what you have to do is you use your brain as little as possible. Follow your heart as much as you can. I mean, you got to have the brain part, you know, so you don't fall off a cliff and do something really fucking stupid. But the way to get anything done is your heart has to be in it. I mean, whether it's professional life or personal life, man, if your heart and soul is not there, you're not going to make it happen, because it's going to be a pain in the ass, and you're going to leave on the second time it's a pain in the ass, or maybe the third.Lesley Logan 4:45  Yeah or some people the first time because they think it should be easier. Or, like, I've heard people say, oh, this is a sign I'm not supposed to do it. It's like, no.Matthew Lesko 4:55  That's a sign you're human. Lesley Logan 4:56  Yeah. I mean, like, like, everyone has obstacles. I really appreciate this honesty. Thank you so much, because it's true. Like, you know, while we're doing this, my husband's actually talking to some business owners that we're hoping to coach, and we tell them, they're like, okay, well, what's the template like? In six weeks how much money am I going to make? And then we're like, anyone who's telling you that there's a template (inaudible) yeah, like this, because they've had so many good business coaches tell them, oh, follow this plan, you'll have 100k launch. You'll have this da-da-da but like that doesn't that's not how it works, because the amount of time you can put into this brilliant idea that you're passionate about is very different than the person next to you. The amount of money you're coming into this brilliant idea with is very different, and then also the life that's around you, or if you have an audience for this idea already, or you have to build it first, like, you can't, don't, I was, like, the quickest thing to know that someone's lying to you is if they have a plan. Because, like, like, I what's the thing? Like, you have a plan and God laughs, or something like that. Like, like, you know, it's just, but it doesn't mean that there's not options or ideas or good things that are out there. It's just that, I think people think, if I buy the plan, and that's going to be the thing, that's going to get me there, as opposed to starting with what you said, which is, like, do you really want to do it? Are you that passionate about it that you'll do it even if you fail? Matthew Lesko 6:18  Right, because you are going to fail. I mean, there are going to be bumps in the road, reasons to not go forward, and that's when people quit, and then they try something else and they try something else, and that's why, even on a, personally, for your heart, I mean, my rule of thumb is your heart is smarter than your brain. You got to trust that more than anything. And, and sometimes you can't get there until you fail your ass off, then there's nothing left. And, and you know that you're special, but you have to find out what you're special in. That's the problem. We go to classes and experts and, and tell us, they're just giving you a clue they don't know, because we're all so different. I mean, you're a rose and I'm a petunia, you know? And how are you going to make a petunia into a rose? Lesley Logan 7:13  And then everyone tries to treat each other like they're a tulip, and no one wants to be taller than the other, right? But you're really a rose and a petunia in a tulip field. Okay, so you Matthew, I feel like you are like coming into our ears today and like giving us true honesty, but also like you clearly lived a life. You've got this gorgeous white hair, you lived this life and also, I don't think anyone like knows how to say this, the way that you're saying it, with so much honesty and love, unless you've, like, lived through lives like you've lived through. Because, you know, it takes time, it takes time to (inaudible) so tell, can you tell us all about how you got, like, what you did before you became a petunia who's bestowing us in all this honesty?Matthew Lesko 8:00  I, god, I'm 81 years old. Can't remember that far, but I do it, really struggled, I mean, I was never good at anything. You know, that's why I just adore artists, because they know what the fuck they have to do, you know, but if you can't sing, dance or whatever, and you don't know what you're really supposed to do every day, and the rest of us have to figure that out. But the longer I do that, the more I see, yes, we all are artists like that is something we have to get up the morning, and there's something inside of us that possesses us to do something because you feel it's important, because you feel it's helping somebody, like now, at 81, I work harder now than ever before. It's not work. I haven't worked in 50 years, and part of, it's having fun in the process. So what I was doing, I was getting I am failing through college and all that kind of thing. When in Navy, I was a naval officer, ship driver, came back, that was Vietnam, and I got an MBA, started businesses that were failing. I had a software company in the 70s that was failing. I was, like, computer science professor, starting another business that failed, a bunch of failures. And I started looking, wow, I'm failing, not having fun, and I'm doing all this shit that maybe in 30, 40, years from now, I'll have fun, and that's crazy. I'm not having any fun, and I'm not successful at it. And so what I did is sort of finally flipped it around. Have fun today, because when you start having fun, you know that's a little contagious. Then also, if you're doing something that you feel you're having fun at, you'll work harder at. You hate playing basketball, but you love golf. You'll be on the golf course still, they have to drag you off, you know. And that's, so, that's what happened. That's how you really learn, that's how you really grow. You're into something you want to be there no matter what and then when I start doing that, then, and I think the other thing is, I find I had to, you have to look inside, you know, help may or may not be have outside, but you really have to be aware of what's inside you listen to that inside you, because that's really the important stuff that's going to come out, and it's hard to listen to it, because we don't, none of us know what the hell to do in life. We're all guessing you know and there's no empathy for that, because the people, coaches, you have to pretend, you know so you could charge a lot of money for what you're guessing about, you know, because that's what people want to hear. You know, unfortunately. Lesley Logan 10:58  Yeah, I think, well, if people are afraid to take risks, because, I mean, you know, you know, you've lived a whole life. Like, if you take, if you are putting your own money into something as an idea and it fails, the the bills don't care, right? Like, they don't care. So, like, you know, like, something that I had someone say, like, there's like, six needs that we all have as humans, certainty and uncertainty. Matthew Lesko 11:30  I thought you said sex needs. Lesley Logan 11:31  Sex needs yes, yes, yes, yes. Six needs. Certainty, uncertainty, love and connection, I think one of them has to do with like, uh, significance, excuse me, it's like power, that you mean something, then we also need growth and contribution. The growth and contribution are more like choices. The other four you like, are like, really needs. And I think, like, a lot of us don't want to take a risk on the thing that's on our heart that we know we're supposed to do unless we have certainty that it won't fail, because this job over here that we hate is paying the bills.Matthew Lesko 12:12  Well, to me, you have to do both. You have to be responsible to yourself and the bills and everything and then any waking hour extra you have is to concentrate on finding out what that is inside you. Because if you don't do that, you know it's just life is so much harder. And boy, 81, I am so fucking happy now. I can't believe it. And for I never do, like, live so long, and I didn't know maybe this time I'll have this much fun. I mean, I say, god, if I knew being 81 was this much fun, I would have gotten here a lot fucking earlier, man, why did I wait so long? Lesley Logan 12:59  You are amazing. Because my dad is 72 and I'm like, oh, and he's like, now, like, older than any of the men in his family, right, that have ever lived. And so, like, where it was like, let's get him to 70 like, the whole like, let's get a 72 no one's ever made it to 72 like, let's see. And I was like, you're gonna live to 100 you better watch out. He goes, I don't want to live to 100 but, like, I think clearly the difference is attitude, like you were like, you had that idea, like, have fun today, and now, clearly, and being it till you see it of have fun today, you're having so much fun at 81 you're like, I should have gotten here faster. Matthew Lesko 13:33  Well, another thing that's really happened just last few a years too, is that most of men and your dad's 10 years younger than me or whatever. At least my life, most of it was trying to get stronger, faster, smarter. Well, at 80, none of that shit is going to get better. All that's going downhill. But what I figured out just a couple years ago, more so, is that I could love harder. Now there's one thing I get harder at any age. I could just love harder. And in my generation, I don't know if your dad's the same way. I couldn't even say that word unless they married you.Lesley Logan 14:14  Right, right. No, I think, literally, I don't think he says he loves anyone except for his kids right now.Matthew Lesko 14:20  Never heard it from my family even. And you know what changed me a lot were lesbians. I live in an apartment building here, 70, a lot of cool people, younger people, usually. And there was a woman next to us (inaudible) we really got close and that she she's my gateway drug to saying I love you to a woman, it was safe. Lesley Logan 14:44  Yeah, because it didn't mean anything, she didn't care, like she loved being loved, but didn't take it the wrong way. That's so funny. I know it's really true. Like I like one of my girlfriends, I just rung on the phone the other day, and she had, like, her father passed, and, you know, we end every phone call I love you. And like, you know, I think, yeah, yeah, well, we, you know, we can change it. I, okay. So you are full of so much information. So as far as like, I mean, you are giving us so many good gems, and we can all love harder, but you actually are, I think maybe, like, you actually are, like, the person who helps people. You are an expert in helping people get, get money. So how did, how did you get here? And what are we talking about? Because, like, I when I met you and you told me this, I was like, no freaking way. But then I said that about Pilates, and now I'm a Pilates instructor, so I it's my it's like my sign when I go, no fuck no way, no fucking way. That's like some be it. No way. No one can do that. So can you tell us a little about, like, what you do when you're not just loving on people?Matthew Lesko 15:54  It is, by accident, again, my business has failed, and so what you do is become a consultant. So I have a consultant, like a researcher at the time, back in 70s, for Fortune 500 companies that wanted to do stuff, and I was in Washington, so they wanted to get money to start businesses and buy companies and find out the market for stuff. So I was in Washington, and I'd get I'd go around Washington and find help for them, and offices that give you money, offices that give you free reports on the markets for anything like I did one for Procter & Gamble on pasta, and I found a pasta expert in Washington who just spent a million dollars on some study on what's the good and bad about pasta business, and who makes money and where to get money. And so I take that stuff, and I take the government's name off of it, put my name on it, because nothing in the government is copyrighted, and I thank the department or whatever, and sell it to them for thousands of dollars. They loved it, millionaires, and that's why I saw I was making billionaires out of millionaires. I said, why does the average person know about it? Well I said I want to people. And that was my first successful business. So I was, you know, very happy with that. And but then to reach people on the street had to do with books. I couldn't charge $20,000 to do that. And so then to sell books and through publicity and doing talk shows and stuff like that. And I've been doing that for a long time, but what I see, see anybody can use it, the government, see, 40% of everything in our economy is our organizations that give you free money to solve a problem, whether it's you know, you need money to get out of debt. You need money to get rid of your your bills as an expense. You need money to start a business. You need money to get an education or get a better job. You need money to buy a house or fix up your house. You need money for I was anything you want. Is there health care, free, legal help? It's all in the government we I was finding government grant the other day for you want to buy out your boss. You know, $250,000 they'll give you in this is Colorado. To do that. Wisconsin will give you $250,000 just start a business as long as you stay there 15 years.Lesley Logan 18:25  What? I didn't know about Oklahoma. I think there was like a thing where Oklahoma City was trying to get people to move there. So you would get, (inaudible) you got like, $20,000 put down on a place to live in Oaklahoma City and then they would give you $10,000 a year. And I was like, and you had to, and all you had to do was stay for two years, so and then you could rent the house out, or whatever. And I was like, two years, and I could own a property in Oklahoma City, then I could rent it out, like I work for myself. Am I interested? And like, going back to your heart, like my heart wasn't in it. So I was like, that sounds like it's not enough money for me. But like that, I did know about that, so I didn't realize, like, Okay, this is so cool. So, like, all these states have different stuff. You just have to know it exists. The government has this. I think we all just have to, like, can we just, like, take a brief moment we are recording this two months into a shit show. Is there still gonna be money for all of us. Matthew Lesko 19:21  Absolutely, absolutely. Yeah, this is more show business that's going on for the average person. It's all still there. The downside, if all that still works, none of his stuff is legal yet. He just does it and wait till somebody stops him and but what's important is that, can you go online now? Let me show you something. Okay, okay, go on to findhelp.org.Lesley Logan 19:52  findhelp.org okay. Matthew Lesko 19:55  Right. Okay findhelp.org. Put in your zip code. I don't know what Vegas is, what's the OE on your hand? Lesley Logan 20:04  Oh, it's part of my hand my other hand tattoo. The other half is my husband and and it, and it, he has the LV, so it's the love tatoo. He's from Philly. There we go. We're in. We're in. You're so smart Matthew. You're like, okay, it didn't like, it doesn't like a VPN. So everyone, when you go to this, turn off your VPN, which is kind of like Hulu, doesn't like your VPN either. Okay, so I put in my zip code. Okay, there are 2738 programs in Las Vegas, Nevada. Matthew Lesko 20:38  So anyways, 2700 programs, those programs are all from nonprofit agencies or government offices. That means they all give you money or free help. None of them will never charge you a nickel for what they have. The government gives an average of $18,000 to every adult through programs like this every year, and that's me. And so you have, what, 1800 of them. And so, like, if you. Lesley Logan 21:02  2700 of them, yes, yes.Matthew Lesko 21:04  2700 yeah, incredible. I mean, and that's for anything. Look at the tabs on top. Lesley Logan 21:13  Yeah, there's tabs for food. There's, uh, which, like, which, when you tab on that, it has, like, community gardens, emergency food, food pantries, meals, housing, there's 22 things in housing, goods, there's a ton of stuff in goods, transit, they'll help you buy bus passes, health, money.Matthew Lesko 21:36  Oh, up in the there's the little search bar on the left hand side, on top, put in financial assistance.Lesley Logan 21:44  Okay, here we go. Matthew Lesko 21:45  How many you have there? Lesley Logan 21:50  This? It's showing me 791 pages, and there's 10 listings on each page. That's 7000.Matthew Lesko 22:02  Those people are there to give you free financial assistance. Most of us, well, we got to go to the bank, or we got to rob a 7/11 yeah and that's the options people don't know. That's why I think Google is ruining our country, because everyone's going to Google, and you can't find these in Google because they don't advertise.Lesley Logan 22:24  Right and they're not doing the SEO game. They're not, they don't have time for that. So yeah. Thank you for explaining that because I was just thinking, like, oh, I just like, you know, a couple years ago, my husband and I were trying to get a business loan for our business to help grow it. And we, of course, went to our bank, and we banked with since the dawn of my business, and I've always made more money every year. And they're like, no, you don't get any money from us because you're so small we don't care about you. So then I Googled, like, small business and like, like, nothing, except for all these banks and credit you like, these people don't want me. I'm not banking with them. We had to, like, we actually went to a wee bank event, and that's how my husband found someone who wanted to, like, invest in our business. But, like, this is really cool. So this, like, okay, but like, really, Matthew, so, like, a lot of this, there's stuff for people, like, for housing, so well, I can, there's one I'm saying, like, for people who have babies in NICU, this is amazing. So like, can I find financial assistance for my idea, for my business idea, or is it like?Matthew Lesko 23:26  No, not there, though, let me show you another website. Okay, okay, sba.gov/local-assistance. Lesley Logan 23:38  I see it. Okay.Matthew Lesko 23:41  Local hyphen assistance. You get there, after (inaudible) and there's a place (inaudible) your zip code.Lesley Logan 23:49  Yes, there is. And you can put a distance. And I'm just going to keep it small. Let's see. (inaudible)Matthew Lesko 23:54  Most of this stuff is remote anyway, so it doesn't matter where they are. Lesley Logan 23:57  Yeah, there's, like, it's telling me about the main off, the Las Vegas this, like, the SBA of Las Vegas is, like, down the street from my house.Matthew Lesko 23:59  Many other places that usually the non-SBA are better.Lesley Logan 24:10  Okay, there's, yeah, there's a just in, in, in 25 miles. Looks like I have about 15 options to go through. So, and that's like, that's just like in the like, that's just like the county, yeah. Matthew Lesko 24:25  Every one of them are people that are there to help you find money and help you need to start or expand anything. So the best way to do it, and the way you do this, to me, my advice is to call and make appointments with as many as you can. Everybody has different ideas about how to do things and whatever, and different sources and all that kind of stuff, but they're all there to help anybody who calls to start their business help you find money. Help you find technical help, legal help. Help you do your taxes, all for free, and it's or strategize for strategy. And one of the things I think is best, too, for someone like you, you're you're providing help to people as a service that see if the the government buys that service, what's better from the government is not a grant, is really a contract that you get a government contract, you know, to sell your services to the government, or from a what they do, they spend a lot of money teaching people how to start a business. So like at your what's called the career one-stop center. You go, that's another thing for getting a job or things like that, or even starting a business. And they, they, they pay people to train people to help start a business, so you could be a contractor for somebody like that. Contracting is better than any kind of grant, because you get that forever (inaudible).Lesley Logan 26:01  Yeah, yeah. I am. We actually, in the last year, been working on certifying our business, because, like, there's some contracts that you're more likely to get if you're certified women-owned business or things like that. But like, I got to, like, look for some of these contracts, like websites for that, and it is insane how many, like, how many government contracts are wanting to use, like, they're like, we need like, like, the military is like, hey, we have a ton of people who want to do the military, and they are not in shape. So the military is looking for Pilates instructors or trainers or nutritionists to just help them with this problem they have. And like the truth is, is that most of us don't know these things exist, and we're the ones who's got the passion.Matthew Lesko 26:47  Let me show you the best place for that. Now you could use what I just gave you, and they would help you. There's a better place. It's called Apex Accelerators A-P-E-X and then I, I will screw it up if I try to spell accelerator.Lesley Logan 27:04  It's okay Apex Accelerators I know, it's one of those words.Matthew Lesko 27:06  Yeah, and then, but dot U-S. Lesley Logan 27:09  Okay. Matthew Lesko 27:10  Now that's, that's a free service that just specializes in helping people get contracts.Lesley Logan 27:16  Wow. Well, that's even more fun because then I don't have to learn how to do it. Matthew Lesko 27:21  Exactly, right. Lesley Logan 27:23  Because it can be a lot, oh my gosh, this is insane. You guys, you could put your zip code in, okay, and it says, find an apex accelerator near you. And guess what? There is, there's, there's one like, it looks like it's right, oh my gosh. It's like down the street from my it's like down the street from my house. (inaudible) Yeah, make an appointment. Okay, so, okay, Matthew, this is amazing. First of all, you gave us more than I expected. Uh, how do you do this? What do you, why? But why, why help all of us? Matthew Lesko 28:03  You just showed me why? Look at your excitement. Boy, if I could do that to somebody that is just the nicest feeling in the world, yeah, I mean, like, wow. I mean, to a human that could react to something I know, and that's like, you know, my pair of socks or something, I don't even think I know it, but when I see you and you see us, that joy and that smile, that that I could do that to human at 81 that's pretty special. Lesley Logan 28:41  Wow. Well, then you're welcome. I promise you. Right now, Matthew, my husband, is listening to me, listening to this for the replay. So when he listens to that part, he's gonna he, that's what he's gonna say. He's gonna go my wife, and he's gonna shake his head, she's so humble. Okay, we're gonna take a brief break, and then we're gonna find out how people can work with you on this, because I have a feeling that, like there's ways like that they could work more with you on this. Lesley Logan 29:09  All right, Matthew, because you just gave us, and this is really great, but I actually do think that, like, do you have a group or a place that people can get ongoing help? Because obviously you're not a recurring guest here, so they can re-listen to this episode for those, like, really amazing mantras you've given us. But like, how else can they get, can they work with you?Matthew Lesko 29:40  A survey that, it took me many years to figure out how I could create income. I like paying for my own way, and after people start buying reference books with the computers and website, it took me a while, but and so I started a newsletter, and then what it turned into is a community. So I have a community now of 15,000 people that help each other get these programs. See, and I only charge $20 I didn't want to charge thousands like I did. I want to get the information to people who really need this. Otherwise, helping millionaires become billionaires was really boring. The millionaires aren't much fun. All they care about is money and not much of the heart is there, but people who really need it is more satisfying. So this is only $20 I charge for everything. Unlimited help for $20 because members help. Like today, we'll have four or five Zoom calls with members asking question as taking questions on how they got the money. So you have actually members how they got it, and they share it with you, and it became so profitable I can't really fathom too much is that we give out our own grants. We give out about 40% of all our money goes back to members and grants. So we give out like, $40,000, $70,000 every month back to members. Yeah, and four different kind of grants and, and that's, I mean, I really feel cool. Lesley Logan 31:17  I mean, you're a badass, you're really cool, but you're like, a bad ass. You're like, you're like, it's like, not even Robin Hood, because you're not taking from bad people. You're like, actually, like, good people are paying in to help good people.Matthew Lesko 31:30  Whatever it is. It seems like I thought you had to be Jeff Bezos or his ex-wife or something like that, to be able to do this, to give up, but it is and that's, I never thought I'd be able to do that. And that's really satisfying.Lesley Logan 31:46  Well, this is, I mean, thank you. We're gonna put the links to your group and everything below, because the thing that I think keeps people from being it till they see it is oftentimes the affordability of it. Like they get stuck in that. As a business owner, I have always reinvested in my business, but like the ability to grow it required some capital, because you can't risk the savings account. And the IRS might not go after Jeff Bezos, but he certainly comes after me, so I have to pay my bill, you know, I can't go, oh, it's coming. I just, I'm doing a thing. I tried something new. So it when I had a bank go, hey, here is this with this really, really, mine's not even free money. But you, you're talking about free money. Like, I actually have been able to grow my business, and we haven't touched the money. Just like having it there meant that we could, like, be a little riskier, and it's paying off, you know, so, like, I just so I just know how impactful it's been for me. And, my goodness, if I knew this 10 years ago, like, I think we'd be in a different place. But I'm so grateful I got to meet you today. You have given us so much, some are great talks. But I love to end every episode with bold, executable, intrinsic or targeted steps people can take to be it till they see it. What do you have for us? Matthew Lesko 33:00  Well, I mean is, if you want to do an idea, say, if you want to start a nonprofit, you want to start a business, you want to start a business at your home. You want to be a freelancer. You have an invention to work on, you go to that sba.gov/ and then local if an assistance, and you make an appointment. You make an appointment 1, 2, 3 or whatever, and you have to do that. Everybody wants to fill out an application and wait for the money. You can't do that because you don't know the application to fill out. You got to get experts and talk to experts who help people like you every day. And they're available for free, but they're not in Google. You can't use that. So you go, if it's for professional you go to sba.gov/localassistance. If it's for education or job training, you go to careeronestop.org that's another clearing house, and you put in your zip code to find a counselor to tell you about government money programs to help you train for a better job, so you want to get a skill to make better money, and things like that. They'll help you with that. Okay? And then if you have financial problems, you go to hud, hud.gov/counseling H-U-D for hud.gov/counseling and you put in your zip code there, and you get a free financial counselor sit down and work out your debts, your bills and all that stuff, so you don't carry that burden in the back of your head forever and get that, get that monkey off your back, And they'll do all that for free.Lesley Logan 34:42  Oh, my God. Matthew Lesko, thank you. Thank you. I, like, I love, like, seven different people for each one of those email addresses. Like, it's in my, just in my, like, phone, my contacts, and so, um, you guys, I know you're gonna share this with a friend. I know you are because, like, I think what I do hear people going, it can't be that easy. It's not going to be easy. I'm sure you're going to have to fill out paperwork, you have to make these appointments, you have to get the steps. But it's there, it's there, and because so few people will take the steps and do the thing like you're you're not in a huge competition. So you know what, babe, share this with a friend who needs to hear it. Thank you, Matthew Lesko. Go check out his group. Go check out what he's doing, and then report back. Let us know what you were able to do with it. Let us know what, what, what grant you did or what website you did, or how it helped your friend. Because I think it'll make Matthew Lesko's day.Matthew Lesko 35:37  Let me see a smile. Lesley Logan 35:37  Yeah, y'all, you know what to do. Until next time, Be It Till You See It. Lesley Logan 35:43  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 36:26  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 36:30  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 36:35  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 36:42  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 36:45  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Your money's getting played while you're scrolling memes. Time to wake the f*ck up.This ain't your typical finance bro BS - we're talking about the real moves happening RIGHT NOW that are messing with your bag. SBA loans just got harder to snag (yeah, they moved the goalposts AGAIN), Cincinnati Fed's actually doing something useful for once, and global tensions? They're about to hit your wallet harder than your ex hit your DMs.Here's what we're breaking down:Why getting that business loan just became a nightmare (and what to do about it)The quiet financial literacy revolution happening in the Midwest that nobody's talking aboutHow geopolitical chaos is about to shake your investments (spoiler: the markets aren't reacting... YET)No fluff. No corporate speak. Just raw insights on the moves that matter for business owners who refuse to get caught slipping.Watch now: https://youtu.be/SxNvdSltLZsReady to level up? Book your Power Hour and let's get strategic about YOUR money: https://www.blackmammoth.com/powerhourMore real talk at blackmammoth.comStay smart. Stay dangerous.

The Small Business Administration is launching an investigation into the 8(a) business development program seeking to root out possible fraud. SBA Administrator Kelly Loeffler ordered the full-scale audit after a Department of Justice (DOJ) investigation uncovered a years-long fraud and bribery scheme involving a former federal contracting officer and two 8(a) contractors. SBA's Office of General Contracting and Business Development will lead the audit, starting with reviewing high-dollar ad limited competition contracts. The review will go back 15 years and work with other agencies, which awarded 8(a) contracts. The Justice Department found recently $550 million in contracts were fraudulently steered through bribery and abuse of a U.S. Agency for International Development (USAID) contracting officer, including to one 8(a) contractor who was officially flagged by USAID as lacking “honesty or integrity."See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we break down big changes that small business owners need to know in 2025. We talk about the brand-new SBA loan rules that could make it harder to get business funding—and what you can do about it. We also dig into California's huge $12 billion budget problem, even though they have the highest income taxes in the country. What happens in California doesn't stay there—it affects all of us, no matter where your business is based. Plus, we look ahead to the 2026 California governor's race and what each candidate's tax plan could mean for entrepreneurs. You'll walk away with smart tax strategies, tips to protect your business, and real talk about what's coming next. Whether you're in California, Texas, or anywhere else—this episode is packed with info to help you grow and keep more of your money. Let's dive in!   Next Steps:

Register for the webinar:How to Offshore in a Blue Collar Business - July 1st - https://bit.ly/406jR5kMatt Brunnig hired aspiring SMB owner Kevin Peer for special projects, strategy & more at his $3m manufacturing holdco.Topics in Matt & Kevin's interview:Searching for a wife and a businessOvercoming the fear of uncertaintyLocally searching in St. Petersberg, FLLong term payoff of bringing donutsQuickly growing through marketingUsing Pinterest to stoke demand for their productIntroducing the Searcher in Residence conceptTrade-offs and benefits for the SIR and ownerAdditional acquisitions in manufacturingRunning the holdco with TractionReferences and how to contact Matt & Kevin:Matt's LinkedInKevin's LinkedInSunrise Yacht ProductsJJ PlasticsCustom Quality CoversTraction by Gino WickmanKevin's one-pagerGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Try out our free tools and calculators: coltivar.com/tools Sign up for the Financial Pro course: byfiq.com/financial-pro Starting a business from scratch can be risky and costly. But what if you could skip the grind and buy a profitable business instead? In this episode, Steve reveals how you can buy a business—even if you don't have a lot of money. He covers five ways to structure a deal with little to no cash, including seller financing, SBA loans, and investor partners. You'll also learn the three key numbers to focus on when evaluating a business and how to avoid rookie mistakes that can blow up your deal. If you're serious about building wealth through business ownership, buying an existing business could be one of the smartest, fastest paths forward. Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information. byfiq.com

Watch Here: https://youtu.be/xEx9d94kzI0About the Guest:David Miller is a seasoned dealmaker with an unusually diverse portfolio. From growing a finance firm in the depths of the 2008 crisis to diving headfirst into cannabis cultivation, clean energy, and even competitive fashion, Miller blends strategy with heart. He's a global speaker, EO member, MIT graduate, and firm believer that small business is powered by soul—not spreadsheets. His coaching practice is rooted in aligning people, strategy, and scalable systems to turn growth into exit velocity.Summary: David Miller's journey isn't your typical “finance guy turned entrepreneur” story—it's a gritty, globe-spanning career that merges heart and horsepower. From buying his first company via seller financing to managing roll-ups in industries as varied as cannabis, clean energy, fashion, and finance, Miller shares hard-earned insights from the trenches. In this in-depth episode, Ron Skelton and David dig into what actually makes M&A work—hint: it's not just spreadsheets and strategy. It's trust. Culture. Emotional intelligence.This conversation serves as a blueprint for anyone serious about scaling through acquisition. Whether you're on your first deal or your fifteenth, Miller's frameworks around emotional readiness, culture integration, and trust-building are worth replaying. Often.Key TakeawaysM&A Begins with Trust: Deals live and die on rapport—not just with the seller, but with the acquired team. Trust is the true currency in successful transactions.Seller-Financing Wins: Miller's first acquisition was a small, seller-financed deal—highlighting that not every transaction needs SBA debt or a PE fund.Don't Skip Culture Fit: A players don't stick around if you bulldoze culture. Integration takes time, patience, and listening.Vision Without Execution is Fantasy: Miller emphasizes method + magic = alchemy. Intuition and process must coexist.Diversification is Learnable: He's run companies in industries as varied as cannabis, fintech, and fashion. Why? Because business fundamentals—people, process, and trust—are universal.Buyers Often Move Too Fast: Rushing in to change systems, fire people, or “fix” things too soon leads to resistance and turnover. Observe before acting.You Might Outgrow Your Business: Founders need to recognize when their business has surpassed their skillset—and decide whether to level up or step aside.Most M&A Fails Are People Failures: 70% of acquisitions fail, and it's rarely because of numbers. It's trust breakdowns, poor communication, and mismanaged change.--------------------------------------------------Contact David onLinkedin: https://www.linkedin.com/in/david-miller-business-coach/Website: davidmiller.buzz--------------------------------------------------

In this edition of Industry Matters, Tyler Mahncke, SVP of Clinical Mobility & Accessibility with VGM & Associates, engages in a compelling conversation with Gene Richtsmeier, Vice President at Huntington National Bank, and Michael Berling, Vice President, SBA Senior Development Officer at Huntington National Bank. The episode delves into SBA Lending Explained: How Financing Can Help Your Business, covering various types of loans such as 7(a) loans, main street deals, and lending for acquisitions. Listeners will gain insights into the practical uses of these loans, the application process, and how to prepare for meetings with SBA lenders. The discussion also highlights why SBA financing is a preferable option compared to traditional financing and its relevance to the HME industry. Different types of loans, including 7(a) loans, main street deals, and lending for acquisitions What they can be used for them What's involved in application and how to prepare to meet with an SBA lender Why SBA financing would be a good option as opposed to traditional financing How this applies to the HME industry 

Lesley Logan and Brad Crowell reflect on the inspiring conversation with values-driven changemaker Kate Galli. From standing up for animals to staying grounded in joy, this episode explores what it takes to lead with purpose. Learn how Kate uses her voice, energy, and optimism to drive meaningful change—while still staying connected to community, compassion, and self-care.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Exercises for managing lower back pain in Pilates classes.Kate Galli's journey into plant-based living and how it deepened her purpose.How she transitioned from being an “angry vegan” to a compassionate advocate.The ABC Method's role in fostering mindset shifts and habit change.Why identifying core values is essential for aligning with your goals.Episode References/Links:Ask Iliza Anything Podcast - https://beitpod.com/askilizaeLevate Workout and Q&A - https://lesleylogan.co/elevatewaitlistAgency Mini - https://prfit.biz/miniOPC Summer Tour - https://opc.me/tourUK Mullet Tour - https://opc.me/ukCambodia October 2025 Waitlist - https://crowsnestretreats.comTaylor Made at Pilates Anytime - https://www.pilatesanytime.com (use code: LLogan for a 30-day trial)Submit your questions - https://beitpod.com/questionsKate Galli's Website - strongbodygreenplanet.comHealthification Podcast - https://beitpod.com/healthificationEp. 528: Stephanie O'Dea - https://beitpod.com/stephanieodea If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/ Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Brad Crowell 0:00  I was thinking, passion doesn't necessarily equal anger, even though it's associated with high energy. And then you just said the word compassion, which is more in line with what we want. Compassion still includes the word passion.Lesley Logan 0:14  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:53  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the empathetic convo I had with Kate Galli in our last episode. If you haven't yet listened to that interview, feel free to pause this now and go back and listen or listen to this and go listen to that. It's kind of fun how the episodes work like that. If you're in the OPC app, you can easily see them and pick and choose. If you're in an Apple app, it kind of serves you in whatever order you're at so there you go. But it's quite fun. We'll get into her thing. I actually, because of her, have been putting tofu in my breakfast. So, yeah. Brad Crowell 1:29  Oh, love that.Lesley Logan 1:30  This is a woman. This is the person who said. So today is June 26th 2025 and it's National Handshake Day. So finally, a day that's not a fucking nightmare. If you listened to last week, this should be more uplifting. National Handshake Day. This is they always start with the thing, and it drives me crazy. Brad Crowell 1:48  Every year on this day. Lesley Logan 1:49  On this day, it's just like, it's like chatting before it happened. National Handshake Day is celebrated on the last Thursday of June each year, falling on June 26th this year. And yep, yep, we covered that already, and we're glad that this common greeting is getting a place in the spotlight after all the year that it has been around. Not only is the handshake the most universally recognized form of greeting, but it also has come to mean different things in different cultures, which is why learning more about it will come in handy. Pun intended. Throughout history and across different cultural contexts, the handshake is in practice, an expression of peace or goodwill, and is almost like a common language that binds us together the world over. That's a way, that's a weird sentence. It's no wonder, then, that we want to make a big deal about this innocuous gesture. Sociologically, the handshake has come to be a symbol of things hidden below the surface, as you can tell a lot about the person the way they shake. Brad Crowell 2:45  By the handshake. Lesley Logan 2:46  Yes, perhaps for this reason, secret handshakes have also become popular, giving people a sense of belonging to a particular group. However you view the handshake, one has to admit that it deserves its own day. Brad Crowell 2:58  It sure does. Lesley Logan 2:59  Just owing the sheer frequency of its use in our daily lives.Brad Crowell 3:02  Yep, yep. Sans Covid, when no one did any handshakes ever it was the wave.Lesley Logan 3:07  Well, now, and now everyone does fist bumps or like people don't shake hands, like there's like the germaphobes will never shake hands. Brad Crowell 3:11  Yeah, never again. Lesley Logan 3:13  I will be honest. I almost rather go for a hug than a handshake, like, I just feel kind of weird about it, mostly with women, obviously. Second, I don't really. Brad Crowell 3:25  Hi, friend, handshake.Lesley Logan 3:26  Hi friend. Also, I gotta be honest, I fucking hate a dead fish handshake. And I also do not give me the bunny hand, like I'm gonna kiss it, you know, some, some girls, yeah, like they give you their hand. They give you their hand like this, and then you're supposed to like, like, I don't know what I'm supposed to do with that. I'm supposed to say, What am I supposed to do? Brad Crowell 3:32  She's supposed to take it underneath and kiss their hand.Lesley Logan 3:50  Yeah, but, but you're giving it to me. I'm not gonna kiss your hand. Brad Crowell 3:54  What? Why not?Lesley Logan 3:55  No, no, not even yours. So I get but I was listening to Iliza Shlesinger's podcast, and she was talking about how, like, hand, she obviously, because she's got kids, and so she's always sick. She's like, comedy shows. She's meeting people, and so, like, they have rules about no hugging, no handshakes. And she's like, we used to shake hands to make sure the other person doesn't have a gun in it. So like. Brad Crowell 4:14  We did? Lesley Logan 4:14  That's what she said and she's like, such a historian.Brad Crowell 4:17  Oh, oh, oh, oh, oh. Lesley Logan 4:17  You know. Brad Crowell 4:18  I know what she's talking about. Lesley Logan 4:19  Tell me. Brad Crowell 4:21  In the Wild West, it was like the under the table situation. And also you specifically used you shook with the right hand only because I think the left hand was used to wipe your ass.Lesley Logan 4:33  Right because it also assumed that most people are right-handed, and then you use right hand for your gun. Brad Crowell 4:37  Yeah, exactly. So I'm pretty sure there's some history, some historicity to that claim. Lesley Logan 4:44  Yeah, yeah. Brad Crowell 4:47  But anyway, luck us, definitely.Lesley Logan 4:49  Everyone's left hand was just covered in shit back then.Brad Crowell 4:50  I think that's not quite the same thing, but yeah.Lesley Logan 4:58  Oh my God, thank God we don't live back then, guys, it must have smelled like shit. Like, just whenever I think about whenever I, like, look at, like a castle situation, I'm like, this place reeked of shit. There's no way.Brad Crowell 5:11  Also probably like, ice, fricking cold. Lesley Logan 5:13  Oh, well, that and when we were at the one castle in Scotland, like everyone, including kids, was given like, liquor every day because it helped kill the germs that were like in the water and the food or something like that. So and most people were like, just not enough water for the peasants. They just drank anyway. Brad Crowell 5:27  The king had a shit hole in his throne. Lesley Logan 5:30  Yes, he did have a shit hole in his throne. That's why they call it a throne. And in front of people, they would just get up and pick up their skirt and sit down on the toilet and take a pee or take a poop or whatever. But, you know, anyways, and then, besides the gangrene that was going on. Back to this. Brad Crowell 5:43  Weird. Lesley Logan 5:45  I will just say I would love to shake your hand, but you got to shake it back. And also don't squee. The men who squeeze really hard to make sure they I know that they're strong. It's like, well, now you're, what I know you are as a dick. That's what I know. Like, there's, it's a, there's a there's a talent to the fucking handshake.Brad Crowell 6:01  There's a lot you can know. All right, let's move on. So upcoming event. Lesley Logan 6:05  We are doing a lot very, very soon. Brad Crowell 6:07  All right, stick with us here right now. It is June 26th so in just a few weeks, July 9th, we're gonna be hosting an eLevate workout, a Q&A workshop. So if you don't know what eLevate is, no biggie, that is Lesley's mentorship program for Pilates teachers. Okay? It's a 9-month program. It's an amazing way for you to get to the method more across all the different pieces of equipment, and it will 100% change your confidence. I mean, like night and day, dramatic difference, and it's perfect if you're a new teacher or you've been teaching for a really long time. This is a great program. We've been doing it for years, and it's probably our favorite program run. We're going to be doing just a Q&A and hang so a workout and you could ask questions. July 9th.Lesley Logan 6:49  Alumni will be there and they'll answer your questions, and they're great. They do have the kindest of hearts like, that's why they come.Brad Crowell 6:54  So come, go to lesleylogan.co/elevatewaitlist elevate waitlist.Lesley Logan 6:59  And that's live online, and then also live online on July 17th is Agency mini Mini.  Brad Crowell 7:03  That's right. Lesley Logan 7:03  Agency Mini number 11. Brad Crowell 7:05  Profitable Pilates is back. Lesley Logan 7:08  And it's prfit.biz/mini and it is a three day business coaching workshop. There will be two events that have live times on them, but you can off, obviously, watch replays wherever you are. It's really, really great. Look, the summer is slow for most Pilates instructors, except for like, the family travels, but it's a perfect time to work on your business and get your questions answered so that the last half of the year can be what you want it to be to set you up for next year. So prfit.biz/mini to get on the waitlist, and that way you'll get the early bird pricing. And then in person, we're coming out.Brad Crowell 7:42  OPC Summer Tour kicks off July 25th in Phoenix. We're gonna do a massive rectangle. We're gonna do Phoenix to San Diego, all the way up the coast of Vancouver, that's right into Canada. Then we're gonna cut across through Calgary, and then back down to Vegas. From there, I don't know. I think it's like close to 5000 miles, I think.Lesley Logan 8:01  You are planning this Hon. I literally, I was, people are like, where is this at? I'm like, I don't even know. Brad Crowell 8:01  We have 19 stops. Lesley Logan 8:01  Oh, whoa, 19. Brad Crowell 8:01  Yeah. Lesley Logan 8:02  This is almost as big as winter tour. Brad Crowell 8:07  It's, it is almost as big as winter tour.Lesley Logan 8:14  But a little shorter, thank goodness, because I don't think I could do two full month long tours, but this is good.Brad Crowell 8:20  This was a little over three weeks. So. Lesley Logan 8:23  Yeah. Brad Crowell 8:23  It's gonna be amazing. Lesley Logan 8:23  And we're going to Canada. Brad Crowell 8:23  We're going into Canada. I'm excited first time for us to tour up into Canada.Lesley Logan 8:27  Get the dogs paperwork ready to go into Canada and get them back in the States.Brad Crowell 8:34  Yep, yep. And then in September, we're getting on a plane.Lesley Logan 8:38  Oh, did we tell them where to go? opc.me/tour Brad Crowell 8:40  Go to opc.me/tour opc.me/tourLesley Logan 8:45  And then in September, we're getting on a plane. We're going to the UK. We have two cities in the UK. It's our Mullet Tour. And mullet means business in the front, Pilates in the back. And so we'll have a business workshop each day, and then Pilates workshops each day. Don't worry, there's more Pilates workshops and business workshops, but U.K., we're trying. We got to help you out.Brad Crowell 9:04  2/3 Pilates 1/3 biz don't worry that'll work.Lesley Logan 9:08  And there's a workout so you can get a 2-day pass at Leeds. There's only three spots left at the time we're recording this. Don't know what that means when it drops in your ears. Brad Crowell 9:15  That's true. Lesley Logan 9:16  And then Essex also space super limited. But we did open up day passes so you can buy a Tuesday-only pass or Wednesday-only pass. Brad Crowell 9:22  Yeah, or you can get both. Lesley Logan 9:23  Or you can get both, you'll save if you buy both. So opc.me/ukBrad Crowell 9:28  opc.me/uk and then finally inLesley Logan 9:31  We're going to Cambodia in October.Brad Crowell 9:32  October we're heading back across the world, and we want you to come join us. It is obviously our favorite place to be. Lesley Logan 9:39  We're gonna go to Scotland, come home, go to Chicago, go to Cambodia. Brad Crowell 9:46  Oh, yeah, we're going to P.O.T in Chicago. Lesley Logan 9:46  Yeah, we are, we are. We'll tell them about that later. They haven't announced that yet, so until they announced that, we can't announce it. Cat's out the bag.Brad Crowell 9:53  Oops, anyway, yeah, come with us. Go to crowsnestretreats.com crowsnestretreats.com to come hang. I mean, I've already been on a bunch of conversations with people talking about it. I know people are worried about travel right now, international travel, especially with like, the perception of Americans around the world due to our government making stupid decisions. Lesley Logan 10:17  We actually have been treated very well. Most people are worried for us. So they're not, like, they're they're mostly worried, and also, like, we've already gone there and come back during this administration and have had not any problems, so we don't anticipate any problems. So we also did it during March of 2020, and were, the threat of getting in the country, so it was real, and we walked right in.Brad Crowell 10:38  Yeah, yeah. I mean, you know, the conversations we've been having with people haven't been that. The conversations have been more about like, are, you know, is it going to be problems for Americans traveling? Honestly, I still think it just comes down to you being cool or being an asshole. If you're an asshole, you're gonna have problems. Lesley Logan 10:56  But also, if you're an asshole, you're not listening to this podcast. Brad Crowell 10:58  Yeah, that's probably true. Lesley Logan 10:59  Pretty true. Brad Crowell 11:00  Send this to an asshole. Send this episode.Lesley Logan 11:00  I don't, don't. I was actually even worried, personally, was worried about our Canada tour stops. I thought, will they sell? We have to spend so much money on lawyers to make sure we can do everything appropriately. AndBrad Crowell 11:07  We're almost already sold out in Vancouver.Lesley Logan 11:17  Vancouver is almost sold out. So like, I will say, I actually think most people understand that we, the majority of us, are not happy with how things are going, and we are not these people. So just, just know you'll be.Brad Crowell 11:32  Yeah, but it's also like the experiences that we've had, during tumultuous times, have not prohibited us from traveling, right? So, you know, we would encourage you to, you know, get on a call with me if you have any questions about it, worried about it, come join us. Cambodia is going to be epic trust me. Lesley Logan 11:53  Oh, yeah, it's so beautiful. And also, when we're there, because we've gone so many times during administrations like this. It is like the most you don't, you're so relaxed, you don't really even you don't the news can't even really get to you, because even if it does, you hear chickens, and then you hear the birds and the parrots, and you're sweating and the motos, and you're like, I'm so far from that, like that there's nothing I can do about that while I'm here. Brad Crowell 12:17  It's called a retreat for a reason. Lesley Logan 12:21  It's really helpful. It's really helpful for your heart. I mean, I always I'm so relaxed. Brad Crowell 12:28  I'm already getting warm fuzzy feeling. Lesley Logan 12:30  I know. So come, crownestretreats.com to snag your spot.Brad Crowell 12:34  All right. And we did have an audience question this week. Thank you for sending this in. We had, I don't know how to say this, um, ayeletregev6703 ayeletregev6703 on YouTube asks, hi, during a class. Lesley Logan 12:50  Hi.Brad Crowell 12:51  Hi, during a class, what kind of exercise would you offer to someone who can't do the teaser due to lower back issues? Well, great question. Thank you for asking. Lesley Logan 13:01  Yeah. So first of all, if, first of all, the way I teach Pilates is that every exercise is going to be accessible to people at some point when they're ready. So my teacher, Jay Grimes, always said, you want to bring people up to an exercise, don't bring exercise down to a body, right? So if someone has lower back issues and they can't do the teaser, I actually wouldn't modify the teaser necessarily for them. I would have them repeat an exercise that was safe for their back, that would build up their strength, their stamina and their connections. Brad Crowell 13:24  They should just quit. Lesley Logan 13:30  Shut up, and that way, first of all, they can keep moving. And then second, it would be figuring out, like, is this lower back issue permanent? Is this like a chronic issue? They're never it's never going to go away. Is it what it is? Brad Crowell 13:50  Surgery kind of thing. Lesley Logan 13:46  And so then it's like, should they, should they even be doing flexion at all? Should they, can they do teaser with their feet on the wall? Should they just always do something else, or is it just that they are not, they're of a tight back and just not ready for it, yet? Because then we can roll like a ball into teaser, roll like a ball in a teaser, right? And that's a great way of doing it. So what I think is really important is there isn't one way to answer this question, because I don't know who we're talking about.Brad Crowell 14:09  It's true. So that's a little tough, but I do think you know the whole idea, as a non-Pilates teacher here, the whole idea of Pilates is that it's a system, right? And what I know from sitting on the sidelines and watching the eLevators come through our house, literally, our house, and work things out, is that that if they're if they can't do teaser, because they're just not there yet, that's okay. It's totally okay. They don't need to do teaser, right? It's not like, you know, teaser, to me, is like handstand in yoga, you know, it's not necessarily like changing your world. It's part of a system. It's one of the poses that you yeah, sure you want to get to it eventually. But if you, you know, if you can't do teaser, it doesn't mean you can't do Pilates, right? So, you know, if you take that approach to it, you can, you as a teacher, can help them get to that pose over time, and you can help them get to that if that's their goal, that's fine, you know. But there might be other things that you want to take them to, first because of their lower back issues,Lesley Logan 15:18  Yeah. And I, first of all, well said, babe. So many people are like, Go, Brad, but, but I think, like, you know, here's the thing, clients come to a class and you specifically about a class. And so everyone thinks that, oh, everyone in the class is doing the exact same thing. Like I was talking to someone in eLevate, they're like, oh, but I need everyone to, like, do it at the same time, because it looks really good. And I was like, uhm.Brad Crowell 15:42  We could skip all that. Lesley Logan 15:43  We don't care what it looks like as a beauty, a form of beauty, I care, are they connected? Brad Crowell 15:48  Right. We're not synchronized swimming here. Lesley Logan 15:50  Yeah. And so if that's the way you're teaching your classes, some people will like that. But to be completely honest, a lot of people are not going to actually get the benefits of Pilates in that fashion, in that form. So it's really important. Brad Crowell 16:02  The 1980s are calling. They want their synchronized workouts back.Lesley Logan 16:05  Yeah, so what I, so I would, this is how I always started every class, not every exercise is going to be for you. So when in doubt, leave it out. It's actually brave and courageous to replace what you can't do yet with something that you can, something that you did that was challenging, right? And if you need specific assistance with an exercise, we can talk about it. We can give options at the end of class that you can use. And so with this person with lower back issues, maybe they need to take a private or stay after class one day to figure out what is their teaser. So maybe it is a modified teaser, but maybe it's actually double straight leg stretch, or maybe it's that they do swimming instead, right? What is it that they do? And then that way they are empowered to be autonomous and independent. And I promise you, it is going you will survive people doing different things at the same time, because they're gonna feel so good, and they're gonna come and go. That was the best class, and it's gonna make you love what you're doing, because now you're actually affecting real change in them, and not just like, well, let's just bend their knees and now they can do it, right? Like, that's, like, that's a Rachel Taylor Siegel, highly recommend everybody watches Taylor Made on Pilates Anytime you can use LLogan for a 30-day trial. It's in the Legacy Project. And what I learned from Rachel Taylor Siegel, she said, let's talk about modifications. She said modifications are like borrowing money from the bank. Some loans have higher interest rates than other loans, right? So if you get an SBA loan, you're looking at a couple percent, like real low, and so it's really easy to pay that loan off over time. In fact, that loan allows your business to grow, and so that kind of a loan is like going not just accelerate you, but just strengthen your business, gonna allow you to create a really good foundation, right? Versus a payday loan, those like 40% interest loans, or 30% interest loans, or the credit cards, the ones we get in the mail with our amazing credit score. It's like, why would I sign up for this 35% credit card? Are you crazy?Brad Crowell 18:09  Yeah, I did get one for for 29.99 Yeah, or 30. It was like, it was like shocking. Lesley Logan 18:19  That's it when I was in college and college when I had no credit. Brad Crowell 18:22  I never saw one that high ever. Lesley Logan 18:22  I guess that's true. I think it was like 18%. Brad Crowell 18:23  Yeah, they were like, 20% everyone's like, oh my God, they're stealing from you. Now they're, now they're like, 30 and it's normal. I'm like, holy cow, bananas. Lesley Logan 18:30  Yeah, you'll know, yes, so, but that, so just take that bananas and then think about that as a modification for an exercise. So now we're stealing from them. Now we're actually not providing them with the ability to ever not need that modification. In fact, they will have to keep just like those payday loans.Brad Crowell 18:45  Ever not, never, not. So they will always need the modification. Lesley Logan 18:45  Yeah, just like, well, if you let me finish my sentence, it was going to be just like when you do the payday loans once, what I've heard, what I've understood, is why they're so bad is that once you need them, you automatically need the next one and the next one, because now you're like, stuck, you're stuck and you're in debt. So my dear, thank you for this question. I hope it gave you something to think about. If you're an OPC member and you have a lower back issue, you can actually film yourself doing an exercise. You, actually, it could be any issue, but you can film yourself doing an exercise, and I can give you feedback on it. We don't answer client questions in OPC because it's all about you. So there's that. But if you guys have questions, go to beitpod.com/questions to send in your win or your questions, we'll answer them here, and we'll shout your wins out on Friday. beitpod.com/questions. Brad Crowell 19:30  Stick around. We'll be right back. We're gonna dig into that convo with Kate Galli. Brad Crowell 19:38  Okay, let's talk about Kate Galli. Kate is a health coach, author and podcast host who's passionate, who is passionate about helping vegans and plant-based curious people live the with strength, confidence and joy. After years of working in both fitness and in the mindset space, Kate now helps others create meaningful lifestyle changes by aligning their health goals with their values. She's the creator of Strong Body, Green Planet, and host of the Healthification Podcast, where she shares strategies for powerful, compassionate living through her signature ABC method. Kate focuses on building habits that not only feel good, but also do good for the mind, for the body and for the planet.Lesley Logan 20:24  Okay, I thought she was so cool, because, first of all, a lot of what she is talking about with her journey of being a vegan, and then where she's at now is a lot of be it till you see it in like being vegan-curious or plant-based curious. I think a lot of us could lend ourselves to at least, if you're not going to go full vegan considering, like, what changes you can make for the planet. I think we all have to be considerate of that. You'll also be considerate of your body and what you're allergic to and all those things. So don't at me. I can't eat that because I got this allergy. I see you okay. In fact, Kate sees you because she's not an angry vegan anymore.Brad Crowell 20:59  Yeah, that's the thing that was like, I, actually, I'm not gonna lie, like I was listening to it. I was like, okay, you know, I'm in and then she shared her story, and I was like, wow, you know. And if you, if you, if you haven't gone back and listened to the episode, it is gut-wrenching and powerful. And she says it quickly, relatively quickly, but it's worth a listen. So go back and take a listen to Kate's story. Lesley Logan 21:25  I think the cadence of this episode coming out after Stephanie O'Dea's slow living episode is really important, because there's a couple things like, that, I'm like, I'm thinking about with Kate that kind of can go back to Stephanie. First of all, you cannot shame or judge yourself into a goal, right? And so and and, and. Brad Crowell 21:46  Nor can you shame others into a goal.Lesley Logan 21:49  Correct. And Kate said, we get this drive and this focus and this purpose, we just go and go and go. And she's like, it's effective until it isn't. And that's the same thing that, like Stephanie was saying, like, we we, like, want to go, like, so fast, but like, things will happen in time. And so she transformed in this, like, angry vegan. And then she became more compassionate, because she realized her approach was actually not effective in convincing anyone. In fact. Brad Crowell 22:13  Also, she was like, fried emotionally, like, so fried. She was like, I can't, I can't even be the angry, you know, like, person that I was anymore. I just can't do it.Lesley Logan 22:24  Yeah, I think, like, how many of us have been, like, so passionate about something that we get angry? I know I do. I know I do not talk politics with some of my family members because I get so angry that they cannot see the perspective that I see it from. I just can't I, like, literally, I'm just like, I'm losing, I'm missing out on that part of my life, because I need to figure this out for myself, because I cannot be compassionate in this moment. But you know what? I'm giving myself permission, that's okay. But I think it's like, she, she really, where she was able to change to is being a lot more compassionate, and then that allowed her to be more helpful in helping other people see ways that they can become vegan, or ways that they can make things a little bit more plant-based, or be or just change the way that they want to work out so that they're now it's almost like, it's like, you can't, you don't get, you can't get bunny like, bees about honey, like that kind of a thing? Brad Crowell 23:22  Yeah, you did mention that on the interview, and then you apologized for all the vegans out there who aren't necessarily in a honey. Lesley Logan 23:29  I know. Brad Crowell 23:30  I had a good laugh about that. Lesley Logan 23:32  Well, some are not okay with honey.Brad Crowell 23:35  Yes, no, it's you're, you're not wrong, but I just thought it was a really funny analogy in the moment. But you're right. You know, you get more bees with honey than you do, you know, without. So, you know, it's the kind of like the kill them with kindness, kind of a yeah approach. And I think.Lesley Logan 23:51  I really hated that growing up, my mom always, like, kill with kindness. And I'm like, that's not working.Brad Crowell 23:59  But, but, you know, she talked about the frustration with the relationship with her father, and how, like she was able to learn from her mom, you know, and how her mom's approach shifted her own approach, you know, out and about in the world.Lesley Logan 24:22  Yeah. And I also want to say, because she said, whatever we care about yelling at people about how wrong they are is never going to get them to want to join us. I just want you to know that, like I still believe you should protest, because it's not about convincing the person driving by. It's about convincing the politicians we're protesting again. So I just want to say protests matter, but. Brad Crowell 24:39  Yeah, they do. Lesley Logan 24:40  But if your neighbor isn't seeing how the way that they're voting or the way that they're eating or the way that they're you know, mowing their lawn in the middle of the night is affecting things that you care about. Yelling at them isn't going to get them to stop. You do have to figure out. You have to understand a little bit more about why they think the way they think, or why they do the way they do, so you can actually have a compassionate conversation that allows them to see how what you're trying to offer them is going to help the same goal that they have.Brad Crowell 25:08  That's actually really interesting. And I wonder about the etymology of these words here now, because I was thinking passion doesn't necessarily equal anger, even though it's associated with with high energy. And then you just said the word compassion, which is more in line with what we want. Compassion still includes the word passion. So, you know. Lesley Logan 25:29  Do you ever want to take, like, an etymology class? I want to take a handwriting class. They don't teach kids anymore, but I want to learn, and I want to take an etymology class.Brad Crowell 25:40  Well, so, but you know, like you can still be passionate without being angry. You can be compassionate and have passion, you know. So I think, you know, shifting her approach has sounds to me like a it's made her more effective, and it sounds like just a happier person.Lesley Logan 26:01  Yeah, she she is so lovely. Brad Crowell 26:04  So, good for her. Lesley Logan 26:04  And I will say, like, ever since I've talked with her, I've been really more thoughtful about, what are we eating? Do we need that? How? How do I get 150 grams of protein a day if I'm not having chicken? What does that look like? You know. Brad Crowell 26:18  I love that you were digging into how to get protein. You were talking about on the episode of like. Lesley Logan 26:24  Yeah, I asked her. I was like, I need. Brad Crowell 26:26  Like, what do I do? What's a side? What's a dessert? What's it? What? How do we do this? You know? And she, she did make the parallel between, you know, like, let's say there's like, a muscle dude at the gym, and if he decides to go plant-based, switching from like, steaks to, you know, she said he's got to be eating something comparable in, you know, that's going to fill him up, or he will just lose weight. You know, there's no question about that, but there are ways to do it, and that's what kind of, that's when the conversation really went down that rabit hole in a good way. Lesley Logan 26:26  Many, many bodybuilders who are plant-based like. Brad Crowell 26:26  I mean, Eddie. Our friend Eddie is like, six-three and was, like, a football player in the, you know, he's.Lesley Logan 26:37  Yeah, I think he's like a be it till you see it. You have to, like. Brad Crowell 27:09  In the military, guy's a beast. You know, he was a vegan for, I don't know, I think seven or eight years, like, solid. But he would eat like, half a freaking lasagna a night, you know,Lesley Logan 27:20  Right. Like, you have to get calories Well, and that's all kinds of calories, but I think it's just being intentional. And I think what I again, why I wanted to have her on, is it's a be it till you see it approach, like she has those baby steps, which allows you to, kind of, like, figure it out.Brad Crowell 27:35  Well, when she was talking about the ABC method, I thought it was pretty clever. She said, she, you know, when she was going through this personal transformation, she came up with this method that helped her prioritize her happiness and find a more effective way to pursue her purpose, more effective meaning people would listen. And she said, moving from angry, which was ineffective, to compassionate, which is effective. Her method is called the ABC method, and so A stands for awareness, B stands for brainstorm, and C stands for commitment. So she's, awareness, she's recognizing the negative trajectory of continuing down her current path. B, she's brainstorming, identifying ways to stop the habits that she used to do. And specifically she was talking about posting on Instagram, like posting angry stories, setting herself up to be attacked, even though she believes very strong, strongly in these things, you know. But and then she shifted, and she said, hmm, I wonder if, instead of sharing all the negative stories, I could share positive stories and see how that would have an impact. Right? So she began sharing happy stories and making vegan recipes, sharing vegan recipes that actually taste amazing to you know, like present an option that, instead of creating shame and like frustration, trying to guilt people into, you know, whatever, instead it's like, hey, did you know that it can actually be amazing? Did you know that it can taste awesome? You know? And so she started sharing recipes, and she said her third step is commitment, making a public commitment to the new approach, you know, drawing a line in the sand and saying, hey, I'm making this decision. So good for her. I love that ABC method. You know, I thought that was I thought it was clever. I thought it was a great way to, like, actually create a line in the sand of your life and be like, I've made this decision to change this thing. Lesley Logan 29:41  I think it can be used for so many things. Her ABC method, it's so you can just, it's just great. And it's also part of, like, how we learn, just, it's from the mindset training that I did it's very aligned with, like, how people's mindsets can be changed. Loved it. Loved it all.Brad Crowell 29:57  Awesome. Well, stick around. We'll be right back. We're gonna dig into those Be It Action Items. Brad Crowell 30:03  Welcome back. We're gonna get into these Be It Action Items with Kate Galli. What bold, executable, intrinsic or targeted action items can we take away from your convo with Kate? She said, if you want to make it easy to incorporate plant-based proteins into your meals, she shares she's got a 5s strategy, okay? She describes it as a way of setting it into your meals. Here are the five S's, star, scatter over, stir through, side and source. What does this mean? Star means plant-based protein is the main component of the meal, meaning lentils in a curry, or marinated tofu. So you've got your star ingredient, effectively, that's what the star means. Scattering over by adding plant-based protein sources such as hemp seeds or pumpkin seeds over your regular meal. So once you've got your meal, you can put something on top of it, and that also adds more protein. You can stir it through mixing plant-based protein, plant-based protein powder, say that five times fast, into a meal or a drink. I mean, this is pretty straightforward. Think about like a smoothie in the morning or soup or cereal. Lesley Logan 31:13  I even, even I put protein in my coffee because I'm trying to get so much protein in, I put it in my coffee with my creatine and my fiber, guys, because, you know, like, that's just a hard thing to get to.Brad Crowell 31:26  And the collagen.Lesley Logan 31:27  Yeah, like, I put it all in there, and it's in this my tasty coffee. And it's actually gotten me to stop going out to get coffee, because they won't have what I need to put in it. And I got to put all this in it. So.Brad Crowell 31:33  That's true. You could also have it as a side, having a portion of a plant-based protein on your side, such as edamame or crispy chickpeas. And I know you're a huge fan of crispy chickpeas. We literally got some after this interview, ourselves. Lesley Logan 31:50  I'm obsessed with crispy chick. I wonder how we can make it ourselves. I'm sure we could just do an air fryer. It is, guys, 50 chickpeas is like 10 grams of protein or something like that. Maybe it's only six, but I think it's 10. At any rate, it's like, two handfuls and it you're fuller than if you had snacked on some chips, right? And I got.Brad Crowell 32:08  It's also not like, it's not bad for you, like, you know, deep fried chips or something. Lesley Logan 32:12  And it's good for the environment. I can't have potatoes, so I have been, I like, have been like, over here, what? I just want to snack on a little munchie, and I can have those. Brad Crowell 32:22  Crispy chickpeas, all right. And then source. Finally, the last S is source, using sauces made with protein-rich ingredients, which could include, like self silken tofu, or you could put edamame inside the guacamole. Lesley Logan 32:36  Yes, where is this town that we used to get that guacamole that had edamame? Brad Crowell 32:40  Oh, it was, it was they have one. Lesley Logan 32:43  Oh, True Food. Brad Crowell 32:44  True Food. Lesley Logan 32:44  True Food. Yeah, and then they mess with those chips. So annoying. But the edamame with the. with the guac with edamame is there, and it's great.Brad Crowell 32:54  Pretty tasty. I dig it. But yeah, what about you? Lesley Logan 32:56  Okay, she said, if you haven't, if you haven't figured out what your personal values are, you need to because you gotta elicit them. She said, your values are the emotional states you're naturally drawn to, like love, freedom, truth or integrity. And so when you are planning your day or making decisions like, your values are these filters for those things and you need to align them with your most important goal or vision, and so even more importantly, align them with your daily actions. We actually talk about values a lot in Agency. Talk about it a lot in our business, coaching retreats and things like that. And so I love this. In fact, I just led a values webinar for Agency members. It'll be in the curriculum so you can figure out what are your values? Because it's like, well, what are, what are, how do you choose them? Like, I have to, you know, have to have names for it. What is it? So you can, Agency members can check that out. But I love this Be It Action Item. Elicit your own personal values if you haven't yet. Kate Galli.Brad Crowell 33:49  You know, it's funny. I thought it was interesting to compare this to a business, right? We talk about this for business owners, you got to know your mission, vision, values. I never thought about it once about my personal values. Lesley Logan 34:04  What? Brad Crowell 34:05  Yeah. Lesley Logan 34:06  Brad? Really? Brad Crowell 34:08  Well, in the same way I've never been like, here are my five values that matter the most to Brad. You know, I always think about it through the lens of my company first. So I thought it was interesting. Lesley Logan 34:20  We gotta do that. You gotta, you gotta do the exercise.Brad Crowell 34:24  We gotta do the exercise, y'all, I gotta sprinkle in some values. I'm gonna, I'm sourcing them now, but I'm gonna sprinkle them in, scattering them over.Lesley Logan 34:31  It won't be that complicated, because, I mean, we have different values, but my values were how the business's values came about. They were like, they're not exactly the same, but it's like another word for it that would be more business-like than what my personal values are, but I think that you get to, you get to do the exercise. Keep us posted on your Be It Action Item, babe.Brad Crowell 34:54  Sounds like a plan. Lesley Logan 34:54  I'm Lesley Logan. Brad Crowell 34:54  And I'm Brad Crowell.Lesley Logan 34:54  Thank you so much for being here. How are you going to use these tips in your life? We want to know, we want to know what you what your takeaways are. We want you to send them in to the beitpod.com/questions, share this episode with a friend who needs to hear it. That's how this podcast continues to grow, so we can continue getting amazing guests. Brad Crowell 35:15  And if you haven't yet, leave us a five star review, please. Lesley Logan 35:16  Yes, that is like a gift. Brad Crowell 35:16  It's a huge gift.Lesley Logan 35:19  I know it's hard to do. I know it's hard to figure out where to do it, but if you could just do it, because here's the deal, we want to get some amazing guests, but we actually have to tell them where our podcast stands. Because people are busy, and they want to know if it's even worth their time. And so every download matters, but also.Brad Crowell 35:36  And every time you share the episodes, it matters every time, every time. We're so grateful. So thanks for doing all that. Lesley Logan 35:42  Yeah, all right, until next time, Be It Till You See It. Brad Crowell 35:44  Bye for now. Lesley Logan 35:46  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 36:28  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 36:33  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 36:38  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 36:45  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 36:48  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Big changes are here — and they could shake up your small business in 2025. In this episode, Tiffany breaks down the new SBA loan rules that just took effect and what they really mean for business owners like you. Whether you're thinking about getting a loan or already have one, these updates could impact your taxes, your cash flow, and your ability to grow. You'll learn: Why SBA loans are now harder to get What the IRS and SBA aren't telling you The 3 biggest money traps to avoid What to do right now to protect your business If you want to stay ahead of the curve (and keep more of your money), this episode is a must-listen. Don't wait until it's too late — tune in and get the tools you need to win in 2025.   Next Steps:

Buckle up for an eye-opening episode where Jaryd Krause is joined by powerhouse entrepreneur and investor Justin Williams—a man who’s navigated everything from crippling six-figure debt to building and selling a multimillion-dollar business. Justin’s journey is far from ordinary. After dropping out of college, he and his wife, Tara, left their careers to pursue financial freedom. Their first business left them $120,000 in debt, living in a shared house with a newborn. Instead of quitting, they shifted to real estate, flipping over 100 houses a year and launching House Flipping HQ, a real estate education company that helped thousands succeed. Justin revealed how he sold his real estate education business for over $3.5 million—covering the why, when, and how. They dive into the unconventional yet strategic deal structure when selling to an operator already in the business. Then he delved into wealth building through business and real estate. Justin explains if he’d buy an online business, how he’d finance it, and the math behind buying a $2M business, hiring an operator, and earning $300K net profit annually without running it himself. Gain insights on: ✔️ When is the right time to sell your business?✔️ The differences between investing in real estate vs. digital businesses✔️ How to build sustainable wealth without burning out✔️ And most powerfully—how Justin got through the lowest points of his journey. If you're looking for real talk about business, money, mindset, and freedom, this is the episode for you. Don’t miss this raw, high-energy conversation that’s packed with strategy, real numbers, and heart. Whether you're planning your first acquisition, prepping for a sale, or just needing motivation to keep pushing, this one will hit home. Episode Highlights 03:00 – The journey to selling a $3.5M+ online business and lessons learned 08:20 – Using SBA loans to buy businesses vs. buying without them – pros, cons, and examples 10:50 – Buying businesses you don’t operate: how Justin makes it work and what to look for 17:35 – How Justin handled $120K in debt and overcame early financial struggles 23:40 – Managing expectations: The reality behind case studies and quick success stories 28:20 – Balancing ambition with lifestyle: Prioritizing family, health, and business growth 38:50 – Building habits and mentality for consistent progress versus just grinding Key Takeaways ➥ Everyone’s journey is different—don’t let case studies make you feel behind. ➥ Selling his $3.5M business was a strategic move to gain freedom and shift into a new season of life. ➥ A clean, simple business model and solid financials were critical in structuring a successful sale. ➥ SBA loans can be powerful tools for acquiring businesses, but creative financing is often just as effective. ➥ You don’t always have to operate the businesses you buy—systems, leadership, and delegation are key. ➥ Real estate offers stability while business offers higher returns—knowing when to lean into each is crucial. ➥ Long-term vision and emotional resilience helped Justin overcome $120K in debt and build real wealth. About Justin Williams Justin Williams dropped out of college with a bold vision, convincing his wife, Tara, to leave her teaching job so they could start their first business. But their million-dollar dream quickly turned into a $120,000 debt nightmare. Determined to turn things around, they hustled out of debt and pivoted to real estate, eventually flipping 100 houses a year. Their success led them to launch House Flipping HQ, helping others build thriving real estate businesses. After selling the company, they took time off to focus on investments and new ventures.Now, as the founders of Millionaire University, their mission is simple: help people "graduate rich, NOT broke." With over 600,000 monthly podcast downloads, MU is transforming how entrepreneurs learn, grow businesses, and create wealth. Connect with Justin Williams ➥ https://www.millionaireuniversity.com/ Resource Links ➥ Sell your business to us here - https://buyingonlinebusinesses.com/sell-your-business/ ➥ Buying Online Businesses Website - https://buyingonlinebusinesses.com ➥ Download the Due Diligence Framework - https://buyingonlinebusinesses.com/freeresources/ ➥ Google Ads Service - https://buyingonlinebusinesses.com/ads-services/ ➥ Connect with Jaryd here - https://www.linkedin.com/in/jarydkrause ➥ Hostinger (Website Hosting) - https://bit.ly/3HUqW0s ➥ SEM Rush (SEO tool) - https://bit.ly/3lINGaV ➥ Convert Kit (Email Software Provider) - https://bit.ly/3o10Xgx

The U.S. Small Business Administration (SBA) helps power the American dream of entrepreneurship.This week we chat with Everett Woodel, Jr., the Great Lakes Regional Administrator for the U.S. SBA, about how the SBA helps small businesses throughout the Great Lakes area, from crises and disaster resistance services to loan forgiveness and more. Prior to his appointment as the Great Lakes Regional Administrator, Everett served as the District Director for the SBA in Columbus, Ohio overseeing programs that facilitate billions in small business lending and federal contracting. As the leading voice for small businesses within the federal government, the SBA empowers job creators with the resources and support they need to start, grow, and expand their businesses or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. 

Roy Redd is a powerhouse in performance coaching, business growth, and transformational speaking. A six-time #1 bestselling author and internationally acclaimed speaker, Roy has shared stages with leaders like Vice President Kamala Harris and Arnold Schwarzenegger. He's built multiple successful businesses—including a six-figure CPR training company and a home healthcare business he acquired with no money down. Roy's magnetic presence and actionable insights inspire audiences to take immediate steps toward making more money and unlocking their full potential. On this episode we talk about: How Roy turned a $65 CPR class into a six-figure business by leveraging speed and a unique selling proposition The story behind his first book and how it led to coaching elite athletes and NBA players on mindset and performance Lessons learned from building a coaching business, struggling with lead generation, and finding the right mentors Roy's process for writing bestselling books and why he believes in launching at 80% and perfecting with feedback How he acquired a $2 million home healthcare business with creative financing and no money out of pocket The step-by-step process for buying businesses—including leveraging seller financing, SBA loans, and strategic partnerships Why fragmented industries like healthcare offer huge acquisition opportunities for new entrepreneurs The importance of working on your business, not in it, and building a team to scale and exit Top 3 Takeaways Action Unlocks Opportunity: Success starts with taking action—even if you don't have all the answers. Roy's journey began by simply saying “yes” and figuring it out as he went. Creative Acquisition: You don't need a fortune to buy a business. With the right knowledge, you can acquire established companies using seller financing, SBA loans, and equity partnerships. Leverage Your Unique Skills: Don't underestimate the value of what you already know—skills like digital marketing or social media can transform traditional businesses and create massive upside. Notable Quotes “You don't have to be the smartest person in the room—you just have to be the one willing to knock on the next door.” “If you don't ask, you don't get. Sometimes all it takes is asking the seller if you can buy the business with no money down.” “The key when you buy these businesses: you don't want to work in them, you want to work on them.” Connect with Roy Redd: Instagram: @roy_redd

Register for the webinar:How to Offshore in a Blue Collar Business - July 1st - https://bit.ly/406jR5kBrian Hartman 3x'd revenue in 2 years at the tree business he bought, then partnered with an investor to grow even more.Topics in Brian's interview:Picking up the phone is crucialGrowing so fast the wheels nearly came offHiring top-tier managers and ops staff earlyManaging cash flow and receivables through growthExpanding via acquisition, starting in DallasEnsuring safety for employeesPartnering with another Acquiring Minds guestAiming for $55–70M in revenue by 2030Buying a business with baby #3 on the wayHow landscaping is different from tree serviceReferences and how to contact Brian:LinkedInNorthside Treebrian@northsidetreeprofessionals.comWebinar with Brian: Should You Buy a Business?Adrian Pinto and Mike Botkin on Acquiring Minds: One Acquiring Minds Guest Buys AnotherAdrian Pinto #2: Building a Blue Collar EmpireAdrian Pinto #1: How to 2x Sales in a Service Business You BuyWill Gano on Acquiring Minds: After 4 Years of Part-Time Searching, SuccessJohn Wilson on Acquiring Minds: Buying Small, Growing Big: From $1m to $26mWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

The team dives into a rare listing — a $43M rural Wyoming bank for sale — and uncovers why this deal might be too good (or strange) to be true.Business Listing - https://dealstream.com/d/biz-sale/banks/9kphsq