Hello, hello, and welcome
back to the podcast. Thank you very much for being here. If you're new, welcome. I am going to get a
little bit heated today. I saw some stuff last night, and I've been
listening to this book called Relentless, and it's all just coming together. And so I am a little bit ornery today. And so if I, if the German passion comes
out, I'm just saying, be prepared to maybe turn your app down for volume. I did have some lady tell me, speaking
of that, I had some lady tell me th
at she was annoyed with my podcast because
she couldn't turn it down enough. I don't really know what that means, but
I'm just going to say that my podcast guys are doing an amazing job on audio
because I can't stand a podcast that I can't hear and turn it up enough,
or that has a lot of background noise. And so, you know what? If that's the least of our
worries, then so be it. So I hope you can turn this down
enough because I am going to get a little bit angry today. So last night, I'm on socia
l media and I
know, I know like all the extremely smart people live on social media, sarcasm. I mean, I'm not dumb
and I'm on social media. So there are a lot of really,
really good things on social media. Like I love TikTok. I like Facebook. I like Instagram. I like them all because I, every one
of them provides me with some sort of information that I'm looking for. I now don't even Google stuff. I just go to TikTok and I just search
it in there because it's amazing how many people have already
talked
about it, showing you how to do it. You have like legitimate reviews in there. It's awesome. So anywho, I'm, I am searching through
or I'm going through TikTok and on my for you page, some girl is crying. Because it's so hard in life
that she cannot, you know, she can't make enough money. She has three jobs, and she's
still not making enough money. Oh, it's so hard. Nobody pays her enough. She's looking at going
back to being a server. As she's talking about
this, she's got lip fillers.
She's got fake nails, looks to be like
real fake nails, not press on fake nails. And of course, everybody's commenting. So then I go into the comments, I'm
like, "Oh man, somebody has had to have commented on the lip filler and the fake
nails," which are completely unnecessary if you don't have enough money. Right. And so I'm searching through there and
I'm not seeing any of those comments. I'm just seeing a lot of people saying
to her, "You know, well, we know it's so hard for us to yada, yada
, yada..." Everybody's sympathizing. And then I see a couple comments
that said everybody commenting on her nails and her lip filler. And I found that interesting because
I hadn't seen any of those comments. I just saw people commenting on those
comments, which means to me that she was deleting all the comments about
the lip filler and the fake nails. What was interesting, and what set
me off, was that all these people are saying, "You should be able to
have nice things and afford to live. We de
serve to have nice things and we
deserve to have enough money to live." You deserve it? What, what did you do to deserve it? Now, this is not like, I love
millennials and I love Gen Z and I love Gen X and I love the boomers, right? Every single generation has these people. It is not one set generation. So don't like, don't think I'm picking
on one generation because there are hard workers in every generation,
but every generation has this mentality that they deserve something. You deserve it whe
n you work for it. You don't just deserve
it because you were born. That's ridiculous. That's like saying I deserve my mom
and dad's business because I was born and they had this business. Mom and dad created a
business, so I deserve it. No, you don't deserve anything. Anything. You work for what you have and
you may have to make sacrifices along the way to have nice things. I, myself and everybody else
that is successful has had to make sacrifices along the way. I have a friend that has come in
to money. Always struggling with money. Always, always, always. Now we come into money and we are
spending that money on unnecessary things, not on the things that are
going to move us forward with cash flow. Not those things. We're just going to spend money on things
that are not going to produce cash flow. Well, if we buy the thing that produces
cash flow, then we can have the nice things because The cash flowing asset
produced the income to have nice things. So I'm reading this
book called Re
lentless. Well, I'm actually listening to it
because I listen to audio books. And so it was so funny because he
was talking about failure in here, and I feel like it just coincides. So I'm just gonna bring it in
to the equation here today. He said, "Failure is when you
blame others for your mistakes." Failure is not. Oh, I failed. That was my mistake. Now let's figure out how to fix it. No, no, that's not failure. That's failing forward. If you guys have never read
that book, that's a good book.
Failing forward. So many people are so
worried to even fail. I have failed. I have said things wrong. I have done things wrong and I
will go back and I will admit that. And that was my mistake, I am
going to take full credit for that. If somebody that worked with me did not
succeed, I might say, what did I do wrong? To a certain point, and then
after a while, that's on you. If you don't want to do
something, that's on you. But failure is when you are not taking
responsibility for your mistake.
So if we combine the two things,
if you have a bunch of money and you're frivolously spending
it, that's your failure. But now you are blaming
that on somebody else. You're blaming that because your
employer didn't pay you enough. You're blaming the government because
they didn't give you enough money back. Oh my God, the government takes money
from you to give it back to you people. Do you understand that you don't just
get free things from the government. They tax you, and then they give it ba
ck. if we have a society of people that
are claiming it's everybody else's fault, we don't have successful people. Because successful individuals
will not will not blame somebody else for their failure. They will take responsibility
for that failure, and then they will move forward, and they will
change what needs to be changed. They will do what needs to be done. I call it pivoting, whatever you call it. I have made mistakes. I will take 100 percent responsibility,
and I cannot stand people tha
t don't take responsibility. If you are not successful, it is
your own doing, not somebody else's. Nelson talks about this in, his
Becoming Your Own Banker book. And so many people think that when we
talk about Infinite Banking, that it's all about a life insurance policy, and
it has nothing to do with the policy. Infinite Banking has to
do with a thought process. And this is the thought process. Beat Parkinson's law. Don't spend money on, frivolous things. Use that money to create cash flow. I
talked to a gentleman yesterday
who is 50 some years old and the dude thinks he's going to retire and
he has no money in retirement, but he's like, "Oh, I have a pension." With inflation, who cares
what that pension is? Your social security and your
pension is going to get you into a state of minimal living. It is not going to allow you to go on
vacation, buy the grandkids a bunch of things, take the grandkids somewhere. It's not going to allow you to do that. It's going to allow you to buy groc
eries
and stay at home and pay electricity because everything is expensive. And so we have to plan for it. We have to create ways to have cash flow. And are we winners in the
aspect that are we relentless? And in this book, he talks about that. He talks about, are you a cooler, are
you a closer, or are you a cleaner? And a cleaner will just do whatever
they need to do to be successful. Nobody is going to stand in their way. It's a super, super good book. If you are looking for a book that's goin
g
to take you to the next level, and that's going to point out some things and it's
going to, it's going to point out things. And if you are not somebody that can
handle being pointed and poked and prodded and said, "Hey, you did this wrong. You did that wrong," and not called
out on things because you take that personally and it hurts your feelers,
you're not going to like that book. I'm not somebody that's going
to sugar coat things and be like, "Oh, well, let's do that." There are people that
cannot
make decisions in my life. There are people that cannot
get off their butt and do what they need to do in my life. And I am not here. I am not here as a cheerleader. I am going to tell you
what you need to do. And if you don't like that, then
are you going to be successful? But when there's a mistake, if you
made the mistake of spending too much money and it's too hard to live, but
now it's somebody else's fault, you're not going to be successful in life. It's just simple. Hang your hat
up now. It is nobody else's fault
for your finances except you. Because guess what? There are people making money
every single day and coming from the bottom to hit the top. And they've come from nothing. And those people are grinding and they
are watching what they spend their money on and they're not getting lip filler
and they're not, I don't, you know what? Here's another thing. Everybody in this, everybody
in these comments was saying. Well, she probably had press on nails. They're only $10
. They're only $10... Okay, so that coffee was only six bucks. And then, so that's $10 for the
nails, six bucks for the coffee. You know, you probably
didn't even give a tip. And then, we only went out to
eat once, and that was $20. And we only did this once. And you only, only... Okay, how many of those, oh,
what do those ONLYs add up to? I went to the gas station and I got
a pop, it was only three dollars. Really? Look at your budget. I don't like Dave Ramsey when he's
talking about where to i
nvest your money. I don't like Dave Ramsey with his
scarcity mentality, but I do like Dave Ramsey for the aspect of get
your crap together and figure out your finances and quit overspending. And then when you quit
overspending, that's when he sucks. When he's not telling you what to do
with the money to create cashflow. But he got your mindset right. He is great for that. Now I am not because I
am not, I am too blunt. And I know Dave is super blunt
as well, because he's probably got sick and tir
ed of people who
think that they deserve stuff. I'm going to side with him on that. We cannot just continue to have
this mentality and act like we are the victim because we're not. Everybody gets the same opportunity. Everybody. It's what you make of it. It's how you think about it. It's all mindset. Are you going to take
responsibility for your mistakes? Do you really think you deserve anything? Man, I have, I have enough
money that I could buy. I could go have lip filler. I could have fake nai
ls. I get mad that I have to color my hair. And that's a couple hundred dollars. Yes, I color my hair,
because I'm not that young. That irritates me, because that's
not producing any cash flow. You guys are going to listen
to me regardless if I had gray hair or black hair. It doesn't matter, right? You're going to listen. Some people don't think that. Some people need to look all
pretty on the outside, and they need to drive great vehicles. Now, let's just not look at women for
a second, and let
's just go to men. Do you really need to have, a lift
kit, exhaust, big tires, big rims? What is that doing except
saying, look at me? I can't manage my money. That's exactly what I see in those things
where, Oh, I need to have the biggest, fanciest house in the neighborhood. Is that house being rented out so
that you can make some money on it? Then kudos to you. Like that's how I view things. I don't want to buy things
that don't produce cashflow. Have I? Yes. Does it annoy me? Yes, absolutely
it does. Do I like rims and tires? Oh, yes, I do. Do I like a good exhaust? Um, yep, I sure do. But I'm not paying for it. I got a new pickup. I cannot stand the rims on that thing. Cannot stand it. I do not even, I don't like how
the factory rims look at all. But I cannot swallow the cost
of putting on new rims just so my pickup looks better. Can't do it. Can't do it. I'm not going to black stuff out because
some stuff is chrome that I don't like. No. Can't do it. Because who cares? Who cares?
It's all for show. And is that show creating
any cash flow for me? No! Think about what we're spending money on. Because we can deserve stuff. We can have nice things. But we need to use our money
wisely to get those nice things. Don't spend all your money and then
go, Oh, I can't do anything else because I don't have any money. All right. I'm going to be done with this subject. Because clearly I just
get more heated as we go. This is what happened last night
when I saw all these posts. This is
what happened. All right. If you are looking for a good
book, the Relentless book by, let me look up the guy's name here... it is Tim Grover. Relentless by Tim Grover. He, it is a super, super good book. I have not had, I have not read
a good book in a long time. And so, this one I am thrilled with. If you are looking at how to get
better, how to, just be better and be relentless and be successful,
this is a great book for you. All right, let me know if you have
comments, questions, concerns. If
you have not gotten Life Without
the Bank and Becoming Your Own Banker, go to withoutthebank. com. Grab both of those books now. And then when you're done reading it, you
can schedule your appointment with me. I am booking out quite far and so if you
want to get on the calendar, do that. as soon as you get the book and then
finish the book because I think I'm out like three months, two or three months. I'm out till May, middle of May
at the time of this recording. So, and of course there's alwa
ys other
people you can meet with because John, I have an agent that works with me. And so you can meet with John as well. All right, let me know if you need
anything, maryjo@withoutthebank.Com, and we'll see you in the next podcast.
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