OoM 041： How to Save 50% of Your Income with Joe Saul-Sehy
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Summary
It's that time of year again, where we start thinking about what we want to accomplish in 2016. Among others, I'm sure that you set some financial goals for yourself this year. My guest and my friend Joe Saucihai talks with us about why you should consider saving 50% of your income.
Transcript
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It's that time of year again, where we start thinking about what we want to accomplish
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in 2016. Among others, I'm sure that you set some financial goals for yourself this year.
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My guest and my friend, Mr. Joe Saucihai talks with us about why you should consider
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saving 50% of your income. Now I know what you're thinking because I thought it was ridiculous too
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when I first heard it, but Joe is going to teach us the systems that we'll need to learn to
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implement, how to make more money, how to spend less money, and how you can finally take control
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of your money this year. You're a man of action. You live life to the fullest. Embrace your fears
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and boldly chart your own path. When life knocks you down, you get back up one more time. Every time
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you are not easily deterred or defeated, rugged, resilient, strong. This is your life. This is
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who you are. This is who you will become at the end of the day. And after all is said and done,
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you can call yourself a man. Man, welcome to the Order of Man podcast. I am Ryan Mickler. I am the
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host and the founder of Order of Man. I hope that you had a great Christmas and we've got New Year's
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coming up this week. So I hope you have some great plans for that as well. Now, before we get into this
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week's episode, let me tell you that you can find all the links, the resources, the best quotes,
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all that fun stuff to this week's show at orderofman.com slash 041. And again, if you want to delve into this
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conversation a bit more, you know this, I've talked to you about it before. You can head to
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facebook.com slash groups slash Order of Man to connect with over 1500 men who are having some
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real conversations about what it means to be a man, including how to handle your money. Like we'll
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be talking about in the conversation today. And the next thing I want to make you aware of is that
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the Iron Council is open again for enrollment. I know you've got some big resolutions this year.
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And how do I know that? Because you make them every year. The question is, do you meet those
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resolutions? Do you actually achieve your goals? The goals that you lay out for yourself every
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single year? If the answer is no, and you're ready to up your results in every area of your life,
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you'll need to go to orderofman.com slash Iron Council. By becoming an Iron Council member,
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you'll be getting access to an incredible resource slash mastermind that's going to help you get better
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results in your relationships, in your business, in your career, in your health, your wealth,
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in every other area of your life that's important to you. And you'll also be around men who are
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achieving amazing results. You'll gain access to the missions that we're going to be completing each
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week. You'll have access to resources to work through, including books and podcast lists, financial
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tools, discounts on future Order of Man projects, goal trackers. There's a ton more. My personal
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favorite, you're going to team up with another member so that you'll be able to hold each other
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accountable to the goals that each of you have identified. So seating is limited. So if you're
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interested, you need to do this quick, head to orderofman.com slash Iron Council. Now the very
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last thing I'm excited to share with you is that we're hosting a giveaway this week with my friends
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over at Seneca Creek. Now they're giving away $150 knife by the James brand. All you have to do to
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enter this giveaway is head to orderofman.com slash Seneca Creek giveaway one to enter for that.
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We're going to make this a weekly occurrence, which I'm excited about. We're going to be
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announcing the winner of this week's giveaway next week. So make sure you get registered.
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Now with all of that said, let me get into our show today. I'm stoked to be able to introduce you
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to my friend, Joe Saul Cihai. He has been instrumental in helping me set up this podcast and a previous
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podcast that I was doing before. I've always appreciated his help and his wisdom and his
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friendship. So I'm excited to introduce him. Now he's a former financial advisor, just like I am.
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He was a financial advisor for over 16 years. He'd represented a fortune 500 company in the media.
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He was the quote unquote money man at Detroit television, WXYZ TV. He's also appeared in Child
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and Bride, Best Life magazines, Los Angeles Times, Chicago Sun, Detroit News, and the Baltimore Sun
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newspaper. He's appeared online in more than 200 different places, including CNBC and the
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Wall Street Journal. Now, if that isn't enough, Joe is also the co-host of the popular financial
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podcast, Stacking Benjamins, which actually earned him a Plutus Award as the best personal
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finance podcast. Joe, what's going on? Glad to have you on the show, man.
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Man, I can't believe I'm here. Thanks for having me.
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It is going to be exciting times. You were one of my very first guests in a former life on a
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former podcast. I'm excited to bring you on the show here on Order of Men.
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I am very excited to know that I didn't completely ruin your reputation or your brand.
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Well, one of the things you brought up, you brought up permanent life insurance,
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whole life insurance specifically, and that just got people fired up. I had people on both sides of
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the aisle on that one. And so regardless of anything knowledgeable you have to say, you have the
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ability to get people fired up. My mom says I'm a natural pot stirrer.
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Sure. That's right. That's right. Good. That's what we want. We want a little contention and
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a little excitement. Speaking of that, you've got an audacious goal that you're
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helping guys accomplish, which is to save 50% of their income.
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I'm pretty excited about it because I think that every year, we start off the year and we make these
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resolutions. And it's probably the year that we give up resolutions completely, right?
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We go, why don't we say we're going to lose a few pounds or maybe we're going to save a few
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dollars. Let's create these big, hairy, audacious goals because I love what, what's that
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Michelangelo quote? It goes something like, it isn't about setting your goals low, uh, too high
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and not reaching them. It's about, you know, setting them too low and they're, you don't want
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them easy. You want to set them really high. And if, if we set our goal at saving half of the money
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that we bring in and we only get to like 40 or 42%, how bad is that?
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Yeah. Yeah. Still, you're still in a great position, even if you're able to, you, you miss
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your mark, even by 75%, you miss your mark. You're still in a great position more so than
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Absolutely. It's pretty exciting. And once people have done this and the cool thing is,
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is we have people that have already done this. So we know that it's a doable thing. My partner,
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Kathleen has already done it. I was a financial advisor, as you know, for 16 years and I had clients
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do it. So I know it's doable. And what's funny is after people have been through this and then
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you see, man, I struggle to save 5% of my income. You're like, are you kidding me? What are you
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What do you know what the national savings rate is on average?
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I don't right now, but, but you know, for a long time, as you know, it was zero and it's,
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it's notched up a little bit this year and it can't be, it can't be more than 3%.
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No, I, I believe that I, you know, I started in the business in 2008, right before we had this
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big market collapse in the, in the great recession. And it seemed like for a while that, that, that,
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the national savings rate was actually a negative number is, is what I was experiencing with my
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Isn't that sad? I mean, it was a scary time. I mean, that it was a negative number those years,
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because a lot of us were living off of the savings that we already had. People were going into debt
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because they didn't have a job. I mean, those were some, those were some years that, well, you know,
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well, being there, nobody had any idea what was going on.
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I did it because I get excited when I hear passionate people and when people do something
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that they, that, you know, when you can hear it in their voice, that they're so excited about
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something. My business partner, Kathleen was telling me the story over lunch one day when I was
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visiting her. She's in Portland, Oregon. I'm in Texarkana, Texas, but I was out there visiting
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and she's telling me about how she had $30,000 of credit card debt. And she just said, you know,
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as, as, as you know, Ryan, you just get to the point where you're fed up and you've had enough.
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And she got to that point that she said, I just can't do this anymore. I did. I just can't keep
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living this, this lifestyle that's, you know, it's a lie, right? I'm spending money. That's not mine
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on stuff that I don't really need to impress people that I don't really like.
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Right. Right. So, so she said, I'm going to change, I'm going to start saving. And then she read
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about these people saving half of their income and she kind of laughed and said, it's crazy. I can't
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do that. And then she said the same thing that we're talking about here today. She just said,
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you know what, why can't I, why not me? Right. If other people can do it, why can't that be me
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instead? Which is a powerful thought because, you know, we can do a lot and we can make this year
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right now. If we put that, you know, we put that line in the sand, we can make this year something
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special. So she said, I'm going to do that. And I got excited about that. I said, you know what,
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that, that just, that we should, we should challenge people in 2016 to do that. Cause
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that's going to make 2016 a really fun year. And if we band together, you know, you know,
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the concept of wolves pack hunting, right? Of course. Right. Of course. If we get a pack
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of like-minded people together, we can go get this thing. So that's, that's where it all started.
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Why do you think people need to wait? And I, and I'm like this, you're like this,
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we're all like this. We need to wait until we hit rock bottom before we do a drastic change in our
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rituals and our habits that are actually going to get us to where we need to be. Why,
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why can't we just do this when we just recognize something's a little bit off? Why do we have to
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wait until it's horrible to make this happen? My whole career, I've believed something that I
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heard just recently, uh, Tony Robbins talk about the motivational speaker. And it's funny because I'd
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never heard this quote, but he said it so much more succinctly probably because he's in that
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business, right? Yeah. And he's got it, he's got it packaged nice and neat and tidy for everybody.
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Yeah. So I might borrow his words that I was already thinking, which is people only change
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for, for two reasons because of inspiration or desperation. And sadly, most of us were so busy
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watching cat videos and, you know, uh, looking through other people's brilliant lives on Facebook.
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We don't take the time to get inspired by stuff. We don't actually feed our souls with really
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inspiring stuff. So because of that, most of us only change because of that second one,
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which is pure desperation. So what have you noticed? I mean, you've, you've seen this,
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your business partner has seen this. Obviously there's financial benefits of saving the type
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of income you're talking about saving, but what are some of the other benefits or there's some
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stories that you guys have heard where people have had tremendous success, not only in their
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financial life, but other elements and parts of their life because of this.
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Well, the thing that surprised me was that I thought that initially this would be easier
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for people that made a lot of money. Right. And so the initial stories, the stories I was
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expecting to hear was that if somebody made $150,000, it was going to be easy. Somebody
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made $25,000, it was going to be really hard. And that wasn't the case at all. It was a lot
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of times people making 25, 35, $40,000 that were able to save half their income. And the cool
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story at the end of it is that freedom from worry and that sense of that sense of power.
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You were in the military. I wasn't in the military, but I went to a military college. I went to the
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Citadel, the military to South Carolina. I remember, I remember after, do you remember after going
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through basic training, how you felt? Oh, I was invincible. Exactly. Right. And, and although it's
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not the same, you still had that feeling after a year of doing this, you know, I can do this
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forever. This is now this whole, this is muscle I've built for 12 months and now I can almost do
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it without thinking about it. And actually that's, that's half the key. I mean, we can get into this
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a little bit, but half the key of winning with saving half your income has nothing to do with
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being disciplined. And on our site, stacking Benjamins, one of our key tenants of our site is
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great financial planning does not come down to discipline because it's, it's impossible to keep that
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going forever. I believe, uh, I think it comes down to systems. I think a great life comes down
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to great systems. And if you set yourself up with these systems, you can focus on your family and
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focus on your career, focus on whatever is really important to you. And your money just automatically
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goes where it should. That's the better way to win than waking up every day and saying, you know,
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Hey, I feel really motivated today. Right. That lasts for what? Two months.
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Yeah. If that, I mean, we talk about new year's resolutions and I go to the gym here and it's
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amazing. The first week, uh, in, in every single year that I go to the gym is just slam packed.
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I would almost not go to the gym because of how busy it is that first week. But if I give it seven
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days, 10 days, it's back to normal. No big deal. It's so sad. You can't even get a machine.
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Yeah. Oh yeah. It's crazy. Yeah. Yeah. Well, I know as I've paid off debt and we've saved and we've
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done all the things that I'm advising my clients to do, I know there's been huge empowerment, uh, issue,
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not issues, but empowerments for me as well. And, and the other thing that I've seen too,
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is that the way that you do one thing is the way you do everything. So if you're creating the habits
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and you're creating, like you said, the systems to achieve success in any one area of your life,
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in this case, it happens to be finances. That's going to translate into your personal life and
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your relationships and your business and health and all of those things as well.
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It totally does. I mean, if you don't have to worry about where my next meal is coming from
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and I have that comfort that I know that my money situation is taken care of now,
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more of my attention can go to the areas of my life that maybe I haven't spent as much time,
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you know? And, and, and, and when I'm there, there is this, there's this magic of, you know,
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all of us are here, but are we really here in the present right now with the people that we're,
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we're with. And a lot of the time, you know, I'll be at, I'll be at dinner with my family and man,
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if I'm worried about my money, I'm sitting there thinking about, Oh, how am I going to pay for this
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meal? Or maybe I'm thinking, uh, what about these bills that are coming in? Or, or is my,
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is my 401k going the right way? I've got all this jumble in my head. And part of my goal is to get
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rid of that so I can be present now with the people that I'm, you know, that are in my life that I'm
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around. Yeah, that's such a great point. I know, obviously most of our listeners to this podcast
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are men. And if we look at the leading causes of marital problems and even divorce money and money
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issues and communication with money and not having enough money and not understanding where it goes
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is always, always at the top of that list. And don't you think that that that's kind of like a
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branch? I mean, I've always heard that like you have, it's kind of, so if we look at the tree,
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I don't really think that money is the root. I think that money is where it manifests itself
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because you clearly have different priorities if you can't agree on money. And so I think people
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say that they get divorced because of money, but I, but man, I think it's deeper than that.
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Sure. Yeah, I bet. And it always comes down to some sort of communication, I would say,
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right. Where the real problem comes from. Absolutely. And you know what? It's probably
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been the same in your practice, Ryan, but in my practice there were, uh, when I would first meet
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people, generally speaking, one person knew where every dime was being spent. And the other person
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was in a place that we call fantasy land, right? Yeah. And then, yeah. Right. And then what would
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happen is the person in fantasy land would go with the debit card somewhere, uh, to pick up a six pack
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or whatever. And, and the debit card doesn't go through. And then they would go to the person who
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knows where every dime is. And they would say, listen, you know, where every dime is, how come our
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money's not being managed better? And then obviously that creates for the other spouse, this,
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this retort of, yeah, I am the only one. And if you paid any attention at all, we might be doing
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better. And, and, you know, you can see the seeds right there of not having a set system of
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communication. When I, when I was, are you, I was going to ask, are you listening into my
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conversations with my wife or where are you getting that from? Well, no, but it's true,
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isn't it? Uh, yeah, it absolutely is. We always have advocated for people that are either in a
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relationship or married that you have a weekly financial meeting. And once again, when I tell
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people that they're like, Oh, that sounds like way too much. And it sounds like work. Ours is
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always, I know everybody doesn't drink. We do drink a little bit. So we have a glass of wine.
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We sit down, we actually started it at two 30 on a, on a Sunday afternoon because of the fact that
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that's when my kids were napping. We have twins and, and it just, now it still is Sunday afternoon
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and it's a very quick meeting. We look at all the bills that came in that week. We look at them
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together. It's a little bit different now that bills are electronic. Uh, when we first started
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back in the mid nineties, you know, you get mail and it would come in. Uh, if anybody remembers,
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what, what mail, what do you mean? What the hell are you talking about? Joe? How old are you? A
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hundred? Did the horse and buggy bring it? So, so now we actually, we have a set, we have a set
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spreadsheet of these bills come in this week. These got to be paid this week. And we go, we look at the
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actual statement to see what's going on. And what's funny is we have found so many mistakes
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on our bills because of the fact that we actually look together and it's become this system. The
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meeting takes us maybe 15, 20 minutes, unless we get into a discussion, which I'd say about once a
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month, we'll just get into this great goals discussion. So what do we want to do the next
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quarter? You know, we want to, and, and I got to tell you for me, having a spreadsheet where every
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nickel is, is number two, feeling like Cheryl and I are on the same team headed the same way.
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That is definitely the number one reason why we're successful with our financial plan.
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I'm glad you brought that up because we actually do the same thing. And I might've stolen the idea
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from you, but we do a Monday money meeting. So we do the same thing. We go through expenses and income
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and where my income is fluctuating. And I'm sure a lot of guys, uh, income fluctuates as well.
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It's important to know what income is coming in this week. What income is coming next week? Are
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there unexpected events? I had, uh, in the last couple of weeks, $1,700 in dental work for my
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family that we had to pay for that. I wasn't expecting. Yeah. So nuts. So for me and my wife
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to be on the same page with that, that was extremely, extremely valuable. I know when I
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talk with my clients, sometimes I feel not like, like not only their financial advisor,
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but also their marital advisor at times too. But here's the thing, Ryan, isn't it? I mean,
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and this is where people don't use with finance. Isn't it fun? I mean, that meeting for us,
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it didn't start off fun, but man, now it's fun. Yeah, definitely. And you, like you said,
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it doesn't need to be a long drawn out meeting. I'll actually paint the picture of the dark side
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of this too. The hard part of this, and I've seen this personally, I'm sure you did in your
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financial planning practice is that we would have the partner, whether it was the husband or the wife
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that managed all the money pass away. And then the surviving spouse would come into my office
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with literally tears in their eyes because they have no idea how to do this. And they've never done
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any of this for the last 50, 60, 70 years, and they're completely lost.
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And they don't know you. You're the family advisor. They don't know you. There's no
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relationship there. So the trust isn't there yet. That's yeah.
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On the same note, then let's say that somebody's listening to this and we're going to talk about
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the systems and how to get into this because I know guys are rolling their eyes like, Oh,
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it'd be nice if I could say 50%, but I can't do that. So we're going to get into that. But on the
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same note and the same thread that we're on right now, let's say somebody's listening to this and
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they say, yeah, I'm on board. I want to do this. We got to get control of our finances,
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but they feel like maybe their spouse is not going to be on board. Have you had any experience or
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strategies or ideas on how you can get a partner on board with some of these financial goals?
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You know, it's sad, you know, as well as I do that if somebody doesn't want to be on board,
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there's nothing that I can do to really bring them on board. Certainly, certainly cajoling them to get
00:19:11.100
on board or shaming them to get on board is not going to work. So I think what you do is you leave
00:19:16.480
this podcast on accidentally when you're getting into the car, right? Yeah. And then you're like,
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Oh, you know, and you and I were a couple of entertaining guys. Cause you know, already
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there's women that are spying on us, don't you? Oh, of course, of course. Absolutely. So,
00:19:30.680
so chicks want in on this stuff. So, so Joe, you know what the sad thing is with this? I've been
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telling my wife for years and years and years, ever since I got in this business, let's get control
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of our money. Let's do this. And here's these goals. And she's never been on board. And then
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one day she comes to me and she says, you know, I think we should do X, Y, and Z. And with our
00:19:49.600
finances, I'm like, Oh, where's this coming from? She's like, I was listening to Dave Ramsey. I really
00:19:54.080
like him. He's an entertaining guy. I'm like, Oh, slap across the face. So I guess however they,
00:20:00.600
however it fits as long as it works. Right. That's right. Well, and that's funny. I mean,
00:20:04.260
this is a whole different conversation, but that's why Cheryl and I have a financial advisor
00:20:08.580
outside of our family because she's heard my crap for the whole time we've been married. So when I
00:20:14.660
say stuff, it's like, yeah, whatever. But, but if Ralph says it, it is gold, right? Right. Yeah.
00:20:21.420
So, okay. Now let's talk about this. Let's talk, let's address those guys who are rolling their
00:20:25.260
eyes saying, yeah, nice for you guys. You guys make money and you can save all this money. How does
00:20:30.760
somebody, the average guy take this concept and actually start making it work for them?
00:20:37.400
So the first thing we have to do is we have to find out how close you are, right? Because the
00:20:41.820
cool thing is, is that everybody is closer than they think that they are. So what we do first is
00:20:47.520
take a look at how your money comes in. And to do that, you take out either a paycheck stub,
00:20:51.700
or if you're paid a commission, you got to take the taxes out first. And then, you know,
00:20:55.760
you got those, a lot of people, if you work for a company, you've got these line by line expenses,
00:21:00.160
you have to add, you have to add in all the parts that are line by line that are, uh, savings
00:21:08.280
toward the saving side and all the stuff that are expenses in there, you take off. So, so here's what
00:21:14.620
you do. First of all, you start off with your gross salary, then you take out the taxes and that gives
00:21:20.400
you your net salary before, before all the mumbo jumbo on the second half of your paycheck,
00:21:26.040
divide that number in half. And that's what we're looking for. And then, because what some people
00:21:31.000
do, and the reason I bring this up, Ryan, is, you know, some people are going to go right to
00:21:33.820
the bottom line. Well, I bring home a thousand bucks. Well, before you bring home that thousand
00:21:37.860
bucks, there might be a 401k or a retirement plan taken out. There might be a health savings account.
00:21:43.420
There might be some savings already taken out. So what we do, we just take out the taxes
00:21:47.620
and we start with that number, divide that in half. And that's your bogey one. That's what you're
00:21:52.500
shooting for. Yes. And then add stuff off your paycheck. That's already being saved. That money
00:21:58.540
already counts on toward the saving side. So, you know, take that off. And then money actually,
00:22:03.980
Joe, can I stop you real quick? Yeah, sure. Because I've got a quick question with that. So
00:22:07.580
we've got a lot of, uh, uh, participants, for example, in 401ks, and let's say they're contributing
00:22:11.840
5% of their paycheck. Do we include, and I've had this question all the time when it comes to saving
00:22:17.020
rates? Do we include employer contributions into 401k? We, you know, it's funny. This,
00:22:23.340
this depends on how hardcore you want to get. Uh, uh, for most of us, I do because it's money
00:22:28.920
that's being saved on your behalf. So why the heck wouldn't I? Right. So, so, but if you want
00:22:33.280
to be the manly man, that's manlier than me, you can, you can say, nope, not counting that. That's
00:22:38.340
just icing on the cake. And that's good for you. Yeah. But, but, but I do like anything your employer
00:22:43.160
saves for you go for it. That counts. Okay, cool. All right. Yep. Continue. Yeah. So the next after
00:22:48.180
that, then we look at bills that you're paying. So any, any bills that you're paying that are
00:22:53.280
actually repayment of debt. And I got to be very clear here. If you're putting stuff on the credit
00:22:58.280
card and then you go and you rack up that credit card again, that money doesn't count. But, but if
00:23:03.200
you've got, let's say 10 grand on a credit card and you're diligently paying it down, you're not using
00:23:07.140
credit card or the ballot, whatever the balance is going down is money that counts towards saving.
00:23:12.840
That's kind of a hard number to get because you got to, you got to take out the interest payments,
00:23:17.900
take out the interest and just have it be the principal. But whatever amount goes toward
00:23:22.140
principal on those bills, that money is actually saved because you're saving that interest rate
00:23:27.760
that you've cost yourself. Now, right. And we talk about this a lot because a lot of times people
00:23:32.360
will come to me and they'll say, well, Ryan, especially that I work with some dentists,
00:23:36.160
just getting out of residency or, or, or a, uh, or their, or their program. And they'll come to me
00:23:41.140
and they'll say, Hey, Ryan, I've got 200 X amount of dollars in debt and I want to start saving.
00:23:45.980
What should I do first? And the reality is, is that if they've got six, six and a half,
00:23:50.380
7% on their debt, if they start paying those things down, that's a guaranteed 7% rate of return
00:23:56.500
that they're not ever going to get in the market over time, they might, but it's not guaranteed.
00:24:00.760
Yeah, absolutely. So if, if, if that money is not going to be re-spent and that's the key,
00:24:06.180
uh, then, then that money counts. And we, we, by the way, have already, as we've been
00:24:10.700
rolling out this, uh, our, our program, we've had some fights with people about that, but,
00:24:15.680
but you know what? It counts. It counts. Like you said, it's a guaranteed rate of return.
00:24:19.580
I like what you said there too, about not going and spending is like, cause what I've noticed is a
00:24:23.940
lot of people will pay off that $10,000 loan and then they'll free up to $300 a month. And they'll say,
00:24:28.740
Hey, I can go buy that four wheeler now, or I can upgrade my truck because I've got $300 a month
00:24:32.760
more. And the reality is just going right back into debt. You're never paying it down.
00:24:36.340
I, I had a friend who was a financial advisor when I started, he was in his second year and
00:24:40.620
worked in the same office that I did. And he helped people re reconfigure their debt. So they freed up
00:24:46.200
$350 a month. And, and so they got that done. He helped it. He's ready to help them take that $350
00:24:52.380
right and start either accelerating their debt payments or start some savings, whatever it is.
00:24:56.640
And, and, uh, they came in and they said, well, we had $350 and that was what a new boat payment
00:25:01.700
was. So they went and took out a bunch, a bunch of new debt for a boat. How wild is that? But
00:25:08.520
anyway. Yeah. I'll never, never buy a boat. Just get a friend with one. Right. Isn't that the,
00:25:12.320
isn't that the rule? Yeah. Right. Well, what are the happiest days of a boat owner's life? Right.
00:25:17.180
When they buy it and when they get rid of it. Right. All right. So we've calculated how much
00:25:23.300
our debt is being reduced each month. Where do we go from there? Yep. And we've taken the money
00:25:28.320
that we're saving out of our paycheck. And then we find money that we might be saving elsewhere.
00:25:32.680
So if I'm saving into a savings account and I'm not touching it, the key is it can't be cashflow,
00:25:38.960
right? It's gotta be money that that's already being saved. So now we know how much is already
00:25:43.300
being saved. Once we have that number, then we know that it's a much smaller number that we got to go
00:25:48.520
get. So then there are only not magic. There's only two ways to find the rest of the money.
00:25:54.880
Number one is to spend less money. And, and then number two is to make more money. Right. Right.
00:26:02.540
So, so, and, and we actually have to work on both of those. And I'll tell you the easier one,
00:26:06.260
the one people focus more on is not the easier one. The easier one actually is making more money.
00:26:12.440
The, I want to talk about that. Cause I think that's valuable. Yeah. The one most people
00:26:15.840
focus on is spending less money. So in our program, that's where we start is with how do you spend
00:26:21.760
less money? Yeah. Cause a lot of people will, will, you know, you can cut out Starbucks or turn
00:26:27.740
off cable or what, you know, it's really funny. I had, I remember this vividly. I had a guy come in
00:26:31.840
and we looked at his budget and we looked at his income and expenses. And the reality was he just
00:26:36.960
wasn't bringing enough in and he was spending too much. So I, so I sat him down and I said, look,
00:26:40.340
you can do one of two things here. You can a make more money or B spend less. And it was like a
00:26:49.920
light bulb went off in his head. Like he had never heard this concept before he, I will, I was his
00:26:55.220
hero, but we got things turned around. So I, I agree. That's the only two ways to do it.
00:26:59.740
It is. We make it more complicated than it needs to be. We make it way more complicated than it needs
00:27:04.640
to be. So those are the two ways. And when it comes to expenses, we, uh, we start off with the
00:27:10.060
big expenses. So expense number one for most people are your housing expenses. And if you're
00:27:16.540
way far away from saving half and you really want to make this an Epic year, maybe you have to think
00:27:21.640
about your situation. Maybe, maybe I'm in a house that is, you know, there's this, there's this thing
00:27:28.360
that we've seen not to stop one sentence and start another, but, but there's this thing that we've seen
00:27:33.080
called the, the, the, the tiny house movement. You seen that? Yeah. Right. Yeah. People live in
00:27:38.780
these really now for me, Ryan, that's, that's ridiculous. I get, I get inspired by that,
00:27:44.000
but I don't want to, you know, I don't want a house that's so roomy that I got room for a bottle
00:27:48.700
of water and a toothbrush, you know? Yeah. It's this minimalist movement. And I'm with you is,
00:27:53.080
you know, as important as saving money is and cutting back unnecessary expenses. I also want to
00:27:57.960
live life and enjoy myself. Absolutely. No, there's this other movement that I like. That's kind of the
00:28:02.500
mid range. And there's a great series of books, which is called the not so big house books.
00:28:07.460
And I love these books because what they talk about is effective use of square footage. And
00:28:12.620
like, as an example, in our house, we've got these built in shelving units. Um, we've got, uh, uh,
00:28:17.940
no real family, um, uh, uh, uh, living room, like formal living room. Okay. Right. You look a lot of
00:28:25.440
the, the, the problem with houses in the way that they're built and we might not have time for all
00:28:29.720
this, but, but the, the problem with houses in the way they're built is that McMansions today
00:28:33.680
are built with a couple of rooms people no longer use. And the problem with that is that the builder
00:28:39.060
knows that you're going to buy your house. It's, it's cost per square foot. Right. And, and, and so
00:28:44.120
houses get value based on cost per square foot. But, but the question that these architects have that
00:28:48.420
are behind this, not so big house movement is what about usable square footage? You know, because you go
00:28:53.920
into some of these houses, there's a formal dining room that nobody wants to eat in because it's too
00:28:58.360
pristine and we can't mess it up. And then there's this formal living room, right. That we used to use
00:29:03.420
back in the parlor days in the 1920s, you know, where you'd have, uh, people would come over and
00:29:08.780
you'd sit in the parlor because that's what society did. Now, if, if I go to over to a friend's house
00:29:13.500
and they still have that type of house, nobody's in those rooms, you know, we're, we're all in the
00:29:17.580
kitchen, right? Yeah. Right. Well, you know what? The other side of that though, Joe, is I do like
00:29:22.480
the idea of having the front room where it's, it's, it's nice and it's orderly and it's clean
00:29:27.760
and you invite people that you don't want to stay for very long into that room only.
00:29:32.520
You, you, if you're, these people are annoying, so let's make it as tense as possible room.
00:29:36.800
That's right. Yeah. Let's make it awkward and uncomfortable. And if you make it past that room,
00:29:41.140
then your family, that's it. I know now next time when I go over to your house, I'm going to know,
00:29:45.980
I'm going to know whether I pass the test or not. Right. Oh, thank goodness. I feel so much better.
00:29:51.400
But seriously, there are houses out there that are just way too, too big, not usable space. And if you
00:29:58.720
look at, if you look at what space you're going to use, you might be able to buy a much smaller house
00:30:03.740
with much more usable space. We've all been in, in more modern houses that have a flowing area,
00:30:09.800
which is kitchen into dining room into this usable space. Maybe the television's there and it's all
00:30:15.960
kind of togetherness. Right. Um, and so, uh, uh, we like that, but even, even moving, you know,
00:30:22.820
if your job doesn't depend on where you live, moving inland from the coast, Kathleen's sister
00:30:28.960
moved from Portland, Oregon, which gorgeous city to San Antonio, Texas, which is another gorgeous city.
00:30:36.440
But she ended up with living expenses that were about 30 to 35% less than what she had when she was
00:30:44.140
in Portland just because she moved inland and you know, San Antonio, fantastic place to live.
00:30:50.040
Oh yeah, absolutely. Yeah. And, and also not only that, but also your proximity to the office,
00:30:56.220
even if you do need to physically go into the office has been something that I know has been
00:30:59.680
helpful as well. Right, right. Nope. I totally agree. So we look at big expenses like that and
00:31:04.980
utilities, you know, and, and we, what you need to do is find a great spreadsheet and they're all over
00:31:11.100
the internet. We use one from a company called Tiller that I really like. Uh, but, but just go
00:31:16.520
line by line and, and start with the big expenses and then work your way down to, to much smaller
00:31:21.540
expenses. Certainly if you're listening to this, you're like, dude, I like where I live. I don't
00:31:24.300
want to move. You don't have to, you don't have to move to save 50, but, but if you're way far away
00:31:28.880
and you're living in this house and you're only using half of it and it doesn't matter where you
00:31:32.260
live and you really don't have any friends in the city that you're in, what do you, what do you do in
00:31:36.400
there? What do you say about vehicles, downgrading vehicles? What's, what's your thought on that?
00:31:41.960
Well, well, here's the number one thing. Most people drive to places that are within a mile
00:31:49.120
of where they live. So not just, not just going to less vehicles, but questioning why I'm taking
00:31:55.420
a vehicle versus riding my bike places. Right. Or why am I not walking there? Uh, I've got a friend
00:32:01.600
who I like to, well, you know me for a long time. I'm a huge board game geek. And so this,
00:32:06.400
this guy that lives, uh, about three quarters of a mile from me hosted a guy's game night. We were
00:32:11.900
going to, we were going to play some settlers of Catan and stuff. So I just rode my bike over there.
00:32:17.320
It was funny because every time I've, I've lived here for seven years, every year and a year and a
00:32:22.500
half ago, I always drove over to Mike's house and about a year and a half ago, I'm like, what the
00:32:26.060
hell am I, why am I driving this? Yeah. It's so easy to ride my bike and these aren't, you know,
00:32:32.020
super busy streets. So, uh, I think we just need to rethink the car is so ingrained in our life.
00:32:38.440
Why do we need a car for every, every, uh, thing that we do. And then, and then clearly
00:32:43.560
when you go buy a car, why am I buying a new car? That's going to depreciate right off the lot.
00:32:48.560
Exactly. Well, not to mention, you talk about the bike riding and the walking and things like that,
00:32:52.020
the health benefits that come along with that as well. Right. Oh, absolutely. Which,
00:32:54.600
which give you a clear mind so that I can, I can think more critically throughout my day.
00:32:59.560
And it's funny because like this morning I went on a four mile run and you, you come back like,
00:33:05.720
it's hard as heck for me to get my ass out of bed and do that. It is. Yeah. But once I'm, I'm a
00:33:11.060
quarter of a mile down the road, I feel great. And then I get home and I've got this huge runner's
00:33:16.140
high, which I love. And it lasts most of the day. You're going to have to tell me how to do that
00:33:20.440
because I have yet to have, have earned the runner's high. Oh, that's funny. So tell, okay. So we've
00:33:26.700
got the big expenses. Are we going to look at the, the, the little stuff? I mean, we're going to go
00:33:30.640
line by line and look at Netflix and look at all of these things as well. And then let's talk about
00:33:34.860
that. And then let's talk about the next step, which is making more money too. Once again, it,
00:33:37.940
it depends on, it really depends on what you want and how far away you are. So, so, and your lifestyle,
00:33:45.580
like I saw a great thing on the onion, uh, today, the funny website, uh, where they were talking
00:33:51.020
about guy cuts cable so he can cut out the six hours of his day. He enjoys the most. So, so if
00:33:58.800
I'm in love with my Netflix, why the heck would I cut that? But realistically, if I'm wasting a bunch
00:34:03.740
of time in front of the television, I certainly should look at that. And I'll tell you what I
00:34:07.580
tell you a small area, one small area where people find a lot of money, it's going to eat out, which
00:34:13.340
once again, Ryan health benefits, health benefits on top of economic benefits. And if you're in a
00:34:21.000
family of a spouse or somebody that you, that you live with, even with a roommate, I'll tell you
00:34:25.660
making meals together, it's so communal and it's so fun that, um, eating at home, which to many people
00:34:33.760
seems like a chore, you know, I want somebody to bring me my meal. Uh, it is, it's such a good time,
00:34:39.660
uh, to make dinner. And I like it because like you, I often work from home. And so because of that,
00:34:46.300
for me, once I start making dinner, it, I'm, I, I, you know, we talked earlier about being present
00:34:51.720
with, with food preparation, you have to be in the moment and it just totally helps me get rid of the
00:34:57.240
day and whatever the issues were of the day and focus then on making that meal. And then when we
00:35:02.820
serve the meal, then I'm with my family instead of somewhere out in space. So I love that. Yeah,
00:35:07.640
that's a great idea. So meal planning is number one. I love meal planning. And if, if you're somebody
00:35:13.080
who's really pressed for time, then on a Sunday batch meals, right? Batch as many meals as you can
00:35:19.340
and then stuff those in the refrigerator. Definitely. If you don't have a deep freeze
00:35:23.580
freezer, you need to get one so that you can package up as many meals as possible so that
00:35:28.240
you can easily, if you're in a hurry, just pull something out and, and get it warmed up and get
00:35:32.760
it going. Great idea. Yeah. I know as I go through people's budgets on a daily basis, the biggest
00:35:37.540
expenses that get out of control are dining and entertainment. So I'm with you on that.
00:35:42.600
So let's jump Joe over to the other side, which is making more money. Do you have any quick tips
00:35:46.760
or ideas or suggestions for that? Well, the first one and women statistically are most guilty of
00:35:52.440
this and you can't, you can't categorize all men or all women do anything. And certainly I know
00:35:57.660
men that are like this too, which is why I'm saying, saying it today, but this is statistically more
00:36:02.620
women are afraid that if they ask for a raise that they will offend their boss and they'll get
00:36:07.620
fired. Ah, right. Some men also are afraid of that. And certainly to a degree, we should be
00:36:13.520
afraid of that. Right. But well, it should be a little intimidating. That pushes you outside of
00:36:17.360
your comfort zone. I think that's right. So the number one easiest way to bring in more money
00:36:21.780
is to think to yourself, what am I worth to my organization? And is there a way that I should
00:36:26.520
be worth more money? Could I be worth more money? There have also been statistics, uh, the big firm,
00:36:32.020
uh, Christmas and company, I believe is, is the name of the company. It's, it's a funny name. Uh,
00:36:36.300
but they do a bunch of HR work and what they have shown is that the average person hasn't even gone
00:36:41.600
out and looked at the market to see if they're being paid what the market's being paid. Right.
00:36:46.300
Right. Now what I want to do, if I work for a small organization, obvious going to be across the
00:36:51.240
table from my boss, who's going to decide whether or not I get that raise. But if I'm in a big
00:36:56.340
organization, my boss might not even be the final decision maker. So I, what I want to do is I want
00:37:03.000
to make sure that I get my boss on my team and the way not to do that. Either way, I want my boss on
00:37:09.100
my team, but, but the way not to do that is to come in with an emotional argument about your bills and
00:37:14.220
about how you're trying to make it an epic or you save 50% of your income. They don't care. Right.
00:37:19.300
Right. The only thing they care about is how can you be more valuable to the company? And so if you say,
00:37:24.640
I've done this and I've done this and I've done this, I would really like to do this, this,
00:37:28.360
and this, but really when you're paying me X and everybody else in my field is being paid Y,
00:37:34.040
which might be a little more, even the same, you know, I really don't know that I can do more
00:37:39.420
economically. So you want to give your boss as much material as possible so that when they're
00:37:44.780
making the case to their boss, they're on your side and they're like, listen, I want to keep Ryan
00:37:49.520
happy. I want to give him 15% more. I want to give him 12, you know, whatever the number might be.
00:37:54.300
That is, if you work for an organization, that's the most overlooked way to make more money.
00:37:59.420
And people are always, always surprised at how easy it is to, to, to get more money.
00:38:05.800
I like that you talk about going out and actually providing value because I think sometimes we ask
00:38:11.100
for something for nothing. And I was listening to a podcast, Andy Frisella with MFCEO, right? And he
00:38:16.900
has this concept of, well, what he says is he has, you cannot make money unless you're the treasury
00:38:22.120
or the federal reserve. You cannot make money. Reframe it to say, I want to earn more money.
00:38:30.040
And then that places the emphasis on earn. What can you do to justify an increase in income?
00:38:35.700
And that's better for everybody because who goes to work every day and says, you know,
00:38:41.480
I mean, you want to be great at your job and you want to put yourself in a position
00:38:45.860
where you're, you're, you're forced to step up. And how cool is it when you go to your boss and you
00:38:50.400
say, you know what, boss, I want to do more. I want to be that team player that you want. I mean,
00:38:54.700
that's a powerful statement for your boss. Talk about, you know, in an age where people only
00:38:59.100
stay with a company a few years, that's a, that's a powerful, powerful statement.
00:39:03.560
Couldn't agree more. All right. So any other tips to the raise is the first thing. That's the
00:39:06.660
first thing we're going to look at. Yeah, actually. Yeah. And then number two is look
00:39:10.100
at your strengths. There may be hobbies that you have that you can turn into moneymakers. Now we
00:39:14.740
don't want it to be a moneymaker. If it's my, if it's my outlet, cause there's something to be
00:39:18.880
said for, I just do this to, I just do this to blow off steam. And the second it becomes a
00:39:22.940
moneymaking thing, I'm no longer steam. Right. Right. Right. But if I've got a hobby that is
00:39:28.360
something that I can, that I can do and make a few dollars, that's going to be great. I'll tell you
00:39:33.400
something I'm going to do in 2016. In 2016, I went on one of these ghost tours in Texarkana.
00:39:39.500
They just start up this, this company and our interesting in our downtown is really old. And
00:39:44.140
this ghost tour was so bad. It was so horrible. And the kid was doing it. I don't know why,
00:39:50.320
but he kept telling us about how he was doing the ghost tour while I was doing it. He's like,
00:39:54.500
when we get to this spot, I like to tell this story about this. I'm like, dude, just tell me the
00:39:57.800
story. Just tell the story. Yeah. And then, and then he gets done with this horrible story.
00:40:01.500
And then he says, well, that story wasn't very nice. So I'm going to tell you a happy one. Now I'm
00:40:05.300
like, I'm not on the happy tour. I'm on the ghost tour. Come on. Right. Right. Yeah. I actually went
00:40:09.900
through one of those in new Orleans and it was, it was a vampire tour and it was incredible. Oh yeah.
00:40:14.140
It was awesome. Yeah. Well, the reason I was so excited about going to this one was we'd done one
00:40:18.060
in Williamsburg, Virginia, and it was the same thing. It was killer. It was great. But so I decided I'm
00:40:23.960
going to play to these people and you know what? I'll make a few dollars. I love learning about history.
00:40:28.660
The history of ghost just sounds like something fun to do. My kids are in college now, so I have
00:40:33.180
the time. So it's a hobby. It's something I want to know more about and I can make a few bucks. So
00:40:38.120
if you can put those things together and make a few dollars that way, that's great. We also talk
00:40:43.260
about making money online. The big thing is if you're really in trouble, you have to do something
00:40:49.500
which is, which is a struggle for some people. And there's actually a story that I'm thinking about
00:40:54.680
that, that kind of illustrates this. I was in college. I was working three jobs. It took me
00:41:00.840
seven years to get my bachelor's because I was paying my own way through and I didn't want to
00:41:04.760
go into student loan debt. And, and I'm just barely making ends meet. And I'm thinking, Oh,
00:41:10.460
my life just completely stinks. And I'm listening to this AM radio talk show. Uh, this guy, Bruce
00:41:15.740
Williams, who is a great guy. Uh, but I think he's long off the radio. Bruce had a caller who called in
00:41:22.520
and said, I'm struggling with my payments. We, we don't know where we're going. Life is really
00:41:27.580
tight. How do I make this better? And Bruce asked questions. And then he said, what are you doing
00:41:33.960
between 10 o'clock at night and six o'clock in the morning? He goes, what are you talking about? I'm
00:41:39.000
sleeping. And, and he goes, Hmm. So you just called me and you said, you want things to be a lot better
00:41:44.500
and you're sleeping. And she goes, she goes, well, I have to sleep. I have to, he goes, do you,
00:41:51.400
do you want the sleep worse or do you want life to be better worse? And so for some of us out there,
00:41:57.420
you have to make some really tough calls. And so, you know what I did? I took on a fourth job.
00:42:01.980
I became a paper boy and I went out at four o'clock in the morning. I woke up at about 20 after three
00:42:07.720
and, uh, and I became a paper boy for about six months so that I could just get some junk paid and
00:42:14.580
start to get my life back. It wasn't a forever thing. I'll tell you, it's, it's funny how paper
00:42:20.140
boys look at the world. It's totally different than anybody else. I knew where all the dogs were in
00:42:23.700
town. When I went, I knew people got annoyed if the paper wasn't just so I also, I would get up and
00:42:30.860
I'd immediately look at the sky. And if it's a clear sky, you knew in the winter in Michigan, it was
00:42:36.380
going to be cold as all get out. Oh yeah. Oh yeah. The high sky, right? Very first thing I'd do is
00:42:41.600
I'd look out the window and I'd see, and if I saw stars, I'd go, oh crap. Those clouds don't keep
00:42:47.460
the heat that aren't there to keep the heat in, right? Absolutely. If it was, if I couldn't see
00:42:51.260
stars, I was so excited. Well, Joe, we're winding down on time a little bit here. I obviously I want
00:42:56.660
to give, uh, you an opportunity to share with us where we can find out more because I think we're
00:43:01.440
scratching the surface on what can be done to save 50. But before we do that, I've got to ask you a
00:43:05.820
question. I even prep you for this question, but I can't let you out of it because I've let,
00:43:09.560
I've asked 39 or 40 guests to this date. So I can't let you out of this question.
00:43:15.220
And that is, what do you think it means to be a man? And it's so funny. This is the thing that
00:43:20.180
scared the heck out of me. So you knew coming on, coming on, come on. All right, good. Yeah. Yeah.
00:43:26.580
So you know what it means to be a man? I think it means, I think it means stepping up when there's
00:43:33.940
going on that, you know, isn't right. And there's something, there's a leadership void that you are
00:43:41.260
willing to be the person that steps up and says, you know what, we have to do this thing. You're
00:43:46.820
the person that thinks outside of just yourself. You think of others first, and then you think of
00:43:51.140
yourself second. I'm thinking about my dad. My dad had this, this old lady who lived next door to us
00:43:56.280
growing up. And every day he would, after work, he'd go next door and talk to this woman because her
00:44:01.900
kids were in a different state and just, I think they didn't care anymore. She had nobody. And my
00:44:06.560
dad came home one day. I remember I'm a teenager. My dad said, go home Mrs. Noble's lawn. Oh, what
00:44:12.480
are you talking? Oh, is she going to pay me? My dad just looks at me. And, and, and that, that state
00:44:17.960
that my dad made to me just with those eyes in my mind, when you asked me that question, that was the
00:44:23.340
first thing I thought about my dad looking at me that day. Cause it was a bigger thing. It was the
00:44:27.520
thing nobody was doing, but somebody needed to get it done. And I think the other thing about being
00:44:32.160
a man is also knowing when you don't, when to be a soldier and when to be a leader. Cause it seems
00:44:38.440
like, especially in today's society, we got a society where everybody wants to lead all the time.
00:44:43.280
Right. And, and yet if, if we trust that, that our leaders going the right way and we can be an
00:44:50.760
awesome soldier, sometimes there's a ton of power in being the man that's number two, because being able
00:44:55.820
to put your pride away and instead make the machine go quicker because you were willing to get in
00:45:01.600
there and muscle to be a cog in the wheel. I think that's a lot of being a man. I love that. I've
00:45:07.320
never heard that before. And so that's a completely unique perspective that I really appreciate and
00:45:11.400
like. So, all right, Joe, so how do we connect with you? And if we're on board with this and we
00:45:15.660
want to learn more about saving 50% of our income, where do we go? Oh dude, we're so excited. So this
00:45:19.320
program is going to be in January. We are signing people up in January. You actually do the course
00:45:24.080
on your own. It's called save50.org. It's save the numeral 50.org. You go there and you sign
00:45:30.960
up for the course. We're putting together a group of people who you actually do the course
00:45:35.360
on your own because we know that people work different schedules. So, so you go through
00:45:39.200
the course and then we have a closed Facebook group so that we hold each other accountable
00:45:42.960
and we will be this pack of wolves that are kind of hunting together. Now it's, it, we're
00:45:48.500
excited about anybody joining. So if you want to have you and your spouse do it together,
00:45:53.180
you and your girlfriend do it together, whatever, uh, men with this is open to anyone. We're
00:45:58.700
excited. And we've got two, two of us leading it at stacking Benjamins. My partner who has
00:46:03.400
lived it herself, she's been there. And me, my job is to bring the former financial planner
00:46:08.380
muscle, uh, to it. So you'll get the best of both worlds. I think you get the cat, the
00:46:12.680
Kathleen passion and you'll get Joe's, you know what, if you've got technical issues, I can
00:46:17.520
help you solve those. And we'll teach you those systems that we talked about just a little
00:46:21.300
bit about how to hide money from yourself. So it easily gets saved. Once you, once you
00:46:25.680
make more money or you, uh, find ways to save more money.
00:46:29.320
I love it. I'm excited to get signed up, get going, uh, for us as well. Joe, I appreciate
00:46:33.480
you. Tell me real briefly, if you would, about stacking Benjamins, because we don't want to
00:46:36.760
let you go without giving the guys another resource where, where you say you don't learn
00:46:41.400
anything, but I, I, I completely disagree with that. So tell us about that real quick.
00:46:45.120
Well, thanks a ton. And thanks for having me on Ryan. I really appreciate it. We, uh,
00:46:48.780
stacking Benjamins is a, uh, we are the lighter side of personal finance. We have a podcast
00:46:54.220
that is three days a week, Monday, Wednesday, Friday. And, uh, it's about earning, saving
00:46:58.720
and spending with a plan. But the show, my partner, OG, who certified financial planner and
00:47:04.080
I, who used to be a financial planner, uh, I was for 16 years. We, uh, have a cast of crazy
00:47:10.260
characters. You've been one of them several times, right? Uh, that, that come on. It's a show
00:47:15.160
that has 80, it's about an hour, uh, every show, but it is, if you think of car talk,
00:47:21.020
if people remember the show car talk, where, where you're ostensibly, you're talking about
00:47:24.980
cars, but you don't learn crap about cars. That's our goal. Our goal is to just be fun,
00:47:30.060
surround sound where money's the topic. Uh, so live from Joe's mom's basement, the stacking
00:47:35.800
Benjamin show. All right. We'll make sure we send guys there. We'll have all the links up on the show
00:47:39.880
notes page for you guys. Make sure you check out stacking Benjamins, save 50.org. Joe,
00:47:44.280
I appreciate you. I always have. We've been friends for a couple of years now, and you've
00:47:47.440
been extremely helpful in helping me launch several podcasts. I appreciate you. I appreciate
00:47:52.220
your time and your wisdom. Thanks for joining us today. Thanks a ton, man. There you have it,
00:47:56.060
men. Mr. Joe Salcihai, go check out his work. You will not be disappointed as a financial advisor
00:48:00.660
myself. I can tell you that getting your money under control is one of the single best things you
00:48:06.240
can do in your life and the lives of those you care about and are responsible for. Again, if you want
00:48:10.440
the links, the resources, the highlights, the quotes, all that stuff, head to
00:48:13.200
order of man.com slash zero for one and go to facebook.com slash groups slash order man to
00:48:20.100
continue the conversation again with over 1500 men about what it means to be a man. Remember we
00:48:25.940
are opening the iron council. It's a mastermind where we'll delve further into the eight key
00:48:29.980
skill sets. I'm not going to talk about it too much. I already mentioned that, but if you want to
00:48:33.520
learn more about it, head to order of man.com slash iron council. If you want something more
00:48:38.900
and different in your life for 2016, you're going to have to do something different to make that work.
00:48:45.500
And the last thing, the $150 night giveaway by my friends over at Seneca Creek, head to order of
00:48:51.640
man.com slash Seneca Creek giveaway. One, the number one, we're going to make this a weekly occurrence,
00:48:57.800
which I'm excited about. We're going to be announcing the winner of this week's giveaway
00:49:00.720
next week. So you want to make sure you get registered guys. I look forward to talking with you next
00:49:05.560
week, but until then take action and become the man you were meant to be. Thank you for listening
00:49:11.440
to the order of man podcast. You're ready to take charge of your life and be more of the man you
00:49:16.480
were meant to be. We invite you to join the order at order of man.com.